‘‘Anyone who dines with us once, becomes ours forever… ’’

It will always seem impossible until it's done. Fifteen years ago, when I set up a small tea stall by the hills, no one thought that I'd one day be running a successful restaurant, let alone get it a 4.7/5 rating on google reviews in the name and style of Chacha Sip-n-Dine.

I am very passionate about cooking and hence wanted to make a living out of it. I realised early on in life that one of the ways to reach people's heart is through good food. While my restaurant's tagline is Read More


‘‘The world doesn’t require grand gestures, but just everyday acts of kindness and empathy to keep moving forward.’’

“Having completed my Master's in History, I had applied for and gotten a job at Dvara KGFS, seven years ago. I was part of the first cohort of Wealth Managers who were assigned to work at this branch, which was then newly opened in Chamba, Uttarakhand.

After our initial intensive training, I began work alongside highly dedicated colleagues. Access to formal financial services was very low here, and people had to rel Read More


‘‘It is my chance now to give back to the man who stood by me through thick-and-thin’’

 “Ours was a love marriage. My husband and I met each other, and we fell in love. He was from the same community, so thankfully my father obliged. We promised to take care of each other, no matter thecircumstances.

Growing up, I had a difficult childhood. I studied till 3rd standard, and circumstances meant that my father prioritised my brother's education over mine; I was left to do household chores and washelping my mother whenever she Read More


‘‘…All I ever had was my hard work and integrity, which no one can take away from me.’’

“I skipped my education when I was just 11 years old and started looking for work to support my family as we were facing financial hardships at home. I found a job in a mechanic shop in Bangalore and spent close to 10 years there, sending back money every month without fail to help my family get through our financial condition. My only request to my parents was that some amount is allocated for my siblings’ education every month, regardless.

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‘‘My studies were the costliest asset that they could offer me…’’

 “My parents were both into farming, and since my childhood, I have rarely seen them take a rest. On days when farm-work wasn’t feasible, they took up odd daily-wage jobs in the city and worked from before dawn to well after sunset. My siblings and I never really felt that there was a financial crunch at home because our father always provided us with our school and college fees on time and bought us new clothes every few months.

 But, ever Read More


‘‘I chose to define what is considered ‘normal’ life for me…’’

My parents and I started noticing signs when I was in early primary school. I wasn’t able to run as fast as the other kids or carry heavy things around. I knew my left leg was progressively getting weaker. Soon, I started finding it cumbersome to even stand-up on my two legs after being seated for a while. A visit to the doctor confirmed my parent’s worst fears- I was infected with the polio virus, and there was no going back.

As I gr Read More


I'm just grateful that, in my way, I can give back to the village that I grew up in... I was born and brought up in a small village near Hosur, Tamil Nadu. The village has a small population and households here primarily run retail shops. While the village may lack the action of a city, this is where I have always yearned to live. After graduating from a college that is near my village, a job offer took me to a city where I worked with a big bank. Somehow, I could never get accustomed to the city lifestyle and felt that I could use my skills best back in my village. It took me four years in Read More


‘‘I know that he will be walking beside us…’’

“Soon after we got married, my husband and I worked hard together and set up our brick-kiln business from scratch. My husband became known as a respectable and honest businessman in the village over the years. We were proud parents of two lovely children.

Two years ago, as we were seeking to expand our business, a wealth-manager from Dvara KGFS came over and introduced the Micro-enterprise loan to us for the same. We soon applied for and availed the loan. We bought efficient machines Read More

Manonmani 1

We chose to see the silver lining in the dark cloud that passed us by...

I set up this provision store of mine six years ago. Over the years, my husband and I ensured a steady but sure rise in income and in the variety of products that we sold. We were able to manage the household expenses just from the income we made from the store. We survived over the years because we always told ourselves to not primarily focus on gaining huge profits from the store or undertake a rapid expansion all at once. We only focused on serving the customers in our vicinity thoroughly by forming good rel Read More


Every day has something new to offer

My sisters have always had a huge mark in shaping my life and bringing me up. They taught me the value of fending for oneself and not relying on anyone for anything, especially finances. Though our parents, who were both farmers, ensured that our financial discomforts did not hinder us from getting through our schooling years, it was indeed a struggle for them to pay for our college.

My sisters understood this and started engaging themselves in minor jobs such as tailoring, basket weaving etc. alongside their studies to get them through c Read More


‘‘To stop working will make him feel very unlike himself’’

“I have been working since I was ten years old. I have had to work very hard to get anything in life and have worked predominantly as an Agri labourer. Unfortunately, the money was never enough, and it was a constant struggle to make ends meet.

Financially, things got a bit more difficult when I got married and had a family to look after. What didn’t help was that I met with a work-related injury that made me unfit to carry out work that required high levels of physical ac Read More


‘‘My job taught me that all our lives are very different from each other’’

 “I got the job of a ‘Wealth Manager’ at Dvara KGFS right after I graduated with a BSc degree in Computer Science and I’ve come a long way since then.

My first solo-visit to a customer’s house is an experience that I still remember. It was a difficult interaction that had me visibly shaken because of the way the customer had spoken to me. When I narrated my experience to the Branch Manager, he calmly suggested a solution to t Read More


‘‘When we love and respect the people around us, that’s exactly what we receive in return too’’

“Growing up, I was a very shy girl. I hardly used to speak to my peers in class, let alone adults. Even while in college, I just stuck to one or two friends, and that was it when it came to my social interaction outside of the family.

Things changed for me when I joined Dvara KGFS after graduating with a BSc degree in Mathematics. As I got to interact with customers from all walks of life and hear about their lives and their needs and t Read More


Tamilmani Mayavan is a resident of Ponparappi village, Ariyalur District. Her husband was an agri wage labourer and the sole earning member of the family that comprised of him, Tamilmani and their son, Raja. In 2012, Tamilmani’s husband deserted the family and ran away, leaving Tamilmani and her son stranded financially.

Raja at that time was studying for diploma and the completion of his course was at stake due to the fall in the income of the household. To cope with the financial loss that befell her and her son, Tamilmani started a petty shop from which she earned Rs 84,000 Read More

Tamilmani Mayavan

“I will continue to work till the day he asks me to stop, until then I wouldn’t stop for anything”

“I got married in the final year of my bachelor’s in literature course when I was just 20. I had wanted to become a police officer. I even got shortlisted while in college for a police job, but my brother refused to let me join and insisted that I proceed with the marriage.

Soon after getting married, I started running a small restaurant selling South Indian food. In 2005, my husband came back home from his work in Singapore. While there, Read More


‘‘What keeps you alive and what makes you feel alive can be the same thing…’’

“My husband and I come from a family of farmers. We did quite well for ourselves in the initial years of our marriage with the income from our land. Since the past decade, however, our land’s yield started declining steeply. We blamed it on the rains or the soil. We were facing an extreme shortage of money and more crop failures with every passing cycle.

During this phase, we were financially constrained, and I had to ration our food intake. That Read More


“I moved to this village after my marriage. My husband and I really cared for each other and wanted to start a family. Unfortunately, for the first ten years of our marriage, we were child-less. The thought of not having a child took a very heavy toll on me.

My husband was scared that he’ll lose me one day if this continues. One morning, he woke me up early and asked me to accompany him to our field. He politely asked me just to observe and extend help in running the day’s errands. By the end of the day, I realized that I was completely immersed in work and that my Read More


‘‘Knowing that I built my life on my own, will let me sleep peacefully…’’

 “My wife has stepped into my printing shop only once in the past five years. She says the shop makes her feel claustrophobic and gasping for breath. Well, I’ve been sitting inside these very same four walls and a door without a window for the past 23 years.

I set up my printing press right after I completed my master’s degree in literature when I realized that my own village did not have one. From wedding invitations to banners, w Read More

Rajesh. M

‘‘Knowing that he will never break his promise gives me enough strength…’’


“My husband and I were married for more than 25 years, and though it was an arranged marriage, he was exactly the kind of man I wanted to build a family and spend my entire life with. He was polite, hard-working and was a man of values. I loved him immensely.

We had just gotten our daughter married off to a good family with the help of our savings and few debts that we had sought locally. My son had also recently graduated with a ba Read More


‘‘I was so confused as to how we all remained very poor even though my dad worked very hard…’’

 “My father worked as a daily labourer. As a kid, I used to see him go out for work every morning and then come back late into the night, exhausted to even utter a word to any of us. I was so confused as to how we all remained very poor even though he worked very hard day in and day out.

Very early, I realised that the guy he worked for treated him poorly and overburdened him with work. I decided then, when I was just 10, Read More

Rajesh. S

‘‘As a mother, I only want to keep providing …’’ “My life isn’t a roller coaster ride like most people claim life to be. Every morning I wake up at 5 am, personally pick the stock of vegetables that I have to sell every day, send my daughters to school, set up the stall in the market, cook lunch for my family, look after the stall and the household, weave baskets in the meantime, cook dinner again in the night, spend time with my daughters and then go to bed.

I’ve been practising this same daily routine for the past decade. Somehow th Read More


Indira Appavu is a resident of Puthukurichi from Perambalur district. She lives with her husband, a daily wage labourer and two daughters. Since the family largely depends on agricultural wage income and had no great savings or alternate income source, getting their daughters educated and married was a huge concern. At this point, in a bid to explore alternate options to increase their income stream, India availed a JLG loan from Dvara KGFS, Thanjavur. The amount received was used to buy aMilch Cow.

The income earned from this was helpful towards her daughters’ education, howe Read More

Indira Appavu

‘‘I was so confused as to how we all remained very poor even though my dad worked very hard…’’
“My father worked as a daily labourer. As a kid, I used to see him go out for work every morning and then come back late into the night, exhausted to even utter a word to any of us. I was so confused as to how we all remained very poor even though he worked very hard day in and day out.

Very early, I realised that the guy he worked for treated him poorly and overburdened him with work. I decided then, when I was just 10, that one day I would own m Read More

Rajesh S