With help from her SHG federation, Tara Devi secured an interest free ₹1 lakh loan for her son’s medical education after he ranked 31st in NEET Himachal Pradesh, showcasing how Ambuja Cements rural empowerment model turns women into catalysts for intergenerational change.
Tara Devi joined her local SHG in 2020 when her household income was uncertain and options felt limited. She was not looking for charity. Like many women in her village, she wanted a way to secure savings, access loans, and learn how to manage her household’s finances more confidently. Over the months, her SHG became a space where knowledge, solidarity, and problem solving took root. As she grew more involved, Tara was elected to represent her group at the federation level, a cluster body that brings multiple SHGs together under a shared vision.
In 2025, Tara’s elder son Gaurav secured the 31st rank in the NEET examination for Himachal Pradesh. His success brought pride, but it also brought worry. The family could not afford the fees for medical college. Instead of withdrawing or losing hope, Tara brought her concern to a regular federation meeting. What followed was a quiet, powerful act of collective support. The federation members discussed, agreed, and approved an interest free loan of ₹1 lakh to help Tara fund her son’s admission into medical college.
This was not a special favour. It was a community backed mechanism, built on shared savings, mutual accountability, and collective decision making. That same day, the federation passed a resolution. Any SHG family whose child clears a national competitive exam will be considered for similar support. It was a declaration of intent. That no child with the talent to succeed should be stopped by the lack of money.
Ambuja Cements, part of the Adani Portfolio, has for years invested in this SHG to Federation model. It is built on layered capacity building, starting with small savings and loan groups at the village level and expanding into federated institutions that are trained in financial management, digital tools, leadership practices, and rights based engagement. What makes this model unique is that decision making is decentralised. Women like Tara, who were once first time savers, now evaluate loan proposals, support other families, and create internal policies that reflect local needs.
Tara’s journey is only one of many emerging from these federations. Across several districts, women are using their collective strength to support education, health emergencies, livelihood expansions, and social support. They are creating systems that work beyond the life of any one programme or funder.
Ambuja Cements approach is not to intervene with charity, but to equip communities to make their own decisions. The company’s rural initiatives go beyond financial support to include modules on digital literacy, access to government schemes, leadership skills, and entrepreneurship pathways for women and youth.
Banjan is no longer a village where women depend on external advice. It is now a place where women set their own rules, run their own institutions, and invest in the next generation. Gaurav’s admission to medical college is not just a family success. It is a village wide investment. And it began with one SHG, led by a mother who decided to take the first step five years ago.
This story reflects a larger shift in rural development, one where SHGs and Federations are becoming trusted spaces for action. Where financial tools are not limited to banks, but managed by women. And where institutions like Ambuja Cements are enabling this change not through visibility, but through long term consistency.
Tara Devi’s journey is no longer just hers. It now belongs to every young student in her village who dreams beyond their means and every woman who now knows that leadership can begin with a savings book, a weekly meeting, and the confidence to speak up.
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