An unique Voice-SMS Service that makes urban slum families Financially-secure!

Connecting urban poor to vital Financial Literacy and Increasing Access to Financial Welfare Schemes.

While it certainly marked a new era for the Indian economy, the much talked about move to scrap off Rs. 500 and Rs. 1000 bank notes to battle corruption also managed to expose the life-threatening problem of information gap in India's urban slums. While misinformation on the banking procedures had already created turmoil in these forgotten settlements, salt shortage rumors and similar hoaxes resulted in lifethreatening situations.

Between November 2016 to the end of demonetization period in December, we supported over 400 urban slum households in East Delhi and NCR with timely voice reminders and ground volunteers to help the families go through the required banking procedures. and busted the numerous myths and false news in communities.

How it works

Using Power of Dumb Phones to connect people like Ram Gopal to vital Financial Literacy and Support.

Ramgopal (on right), a father of 4, migrated to Indirapuram (Delhi NCR) with his family all way from Bihar to seek a better livelihood. Due to lack of any identification document, neither Ramgopal nor the 8 other families in his slum complex had ever used the government's zero-deposit bank scheme 'Jan Dhan Yojana' or any other banking service.

Thus, when demonetization was announced, Ramgopal completely unaware of the required procedures, was among the many slum dwellers over India who went into a state of panic due to hoaxes and misinformation and had lost hopes of getting his money back. After we visited his slum complex in November, MeraSMS started using its timely voice reminders and local network of volunteers to help Ramgopal and other 9 families of his complex throughout the demonetization period by providing vital information and support to get their savings reclaimed. Over the demonetisation period, around 400 slum households were supported by our financial literacy and timely voice reminders.

As a part of our mission, our Voice-SMS platform has also educated hundred of slum dwellers across India about the beneficial banking welfare schemes. The process involves:


Collecting crowdmapped information from slum households and identifying eligible families for Jan Dhan Banking Scheme.


Identifying and tackling the underlying factors and barriers that make these schemes inaccessible to the mothers. Using SMS and Voice data platform to connect eligible families with the right vital information regarding the scheme and procedures.


Using ground-volunteers and collaboration with government and alike bodies to further help with paper-work procedures and provide the interested families with seamless access to PM's Jan Dhan Banking scheme.


The welfare programs such as Pradhan Mantri Jan Dhan Yojana which entitles every citizen the right to open a zero-intial deposit bank account.Thus, such schemes align perfectly with our financial literacy program and help us carry our mission forward!