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Samriddhi Grameen Foundation for Social Impact
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Fintech for Last-Mile 15K+ Active Sakhis Bank-Grade AES-256

BC Sakhi Suite

Doorstep Digital Banking Ecosystem

A comprehensive suite empowering women Business Correspondents with biometric transaction apps, offline capability, financial literacy toolkits, and cash management modules.

Pilot or Integrate Platform All Innovations
BC Sakhi Suite
Deployment Status
Active in Field
Production v3.2
15,420+
Active Women Agents
₹450+ Cr
Annual Remittances
8,200+
Villages Served
99.98%
System Uptime

The Grassroots Challenge We Address

Over 45% of rural Indian women face geographical, social, and technological hurdles in accessing formal banking institutions. Traditional bank branches are often located 8-15 kilometers away, resulting in wage loss, arduous travel, and lack of financial autonomy.

Functional Architecture

Core Platform Capabilities

Biometric Micro-ATM & AEPS

Aadhaar-enabled doorstep cash withdrawals, balance inquiries, and direct benefit transfer (DBT) payouts with instant receipt generation.

Offline-First Sync Protocol

Encrypted local data queues record transactions seamlessly during rural network outages and auto-reconcile upon reconnection.

Vernacular Audio-Guided UI

Interactive voice prompts in 7 regional Indian languages allowing semi-literate clients to hear verification and payment amounts.

Dual-Factor Fraud Shield

Live geo-fencing, device biometric binding, and automated velocity check algorithms to protect village agents from fraud.

Architecting Financial Autonomy at the Doorstep

The BC Sakhi Suite represents Grameen Foundation India’s flagship digital public infrastructure intervention. By pairing rural women with bank-grade handheld micro-ATM terminals, the platform transforms ordinary community mobilizers into trusted institutional banking representatives.

Bank-Grade AEPS Pipeline

Direct integration with NPCI (National Payments Corporation of India) switches enables real-time inter-bank settlements across 120+ public, private, and regional rural banks.

Smart Liquidity Management

Predictive cash-forecasting algorithms alert local branch managers and SHG federations when agent cash reserves fall below critical thresholds, eliminating cash-out bottlenecks.

Transaction Security & Regulatory Compliance

Every financial interaction is secured with hardware-level keystore encryption and end-to-end payload signing. Compliant with Reserve Bank of India (RBI) business correspondent guidelines, the suite guarantees audit trails with zero unencrypted local credential caching.

Field Impact Case Study

From Homemaker to Village Banker in Mirzapur

"Before BC Sakhi, women in our village had to spend an entire day traveling to the city branch. Today, they deposit and receive money right at their doorstep with complete trust and privacy."
Sunita Devi, Certified BC Sakhi
Mirzapur, Uttar Pradesh
Technical & Regulatory Compliance
Aadhaar AEPS / BBPS NPCI Certified
ISO 27001 Data Security Guidelines
End-to-End Hardware Keystore Encryption
Offline-First Resilience (Zero Data Loss)
Platform Specifications
  • Domain Vertical Fintech for Last-Mile
  • Target Beneficiaries Rural Women Business Correspondents (BC Sakhis), Self-Help Group Members, and Remote Village Households
  • Active Deployment Geographies Uttar Pradesh, Bihar, Maharashtra, Rajasthan, Odisha, Madhya Pradesh
  • Architecture & Tech Stack
    India Stack (AEPS / BBPS) UPI 123Pay Protocols Android Native SDK 14+ AES-256 Encrypted SQLite ISO 27001 Certified Cloud
  • System Availability SLA 99.98% High Availability
Institutional Deployment
Want to Pilot This Platform?

We partner with state rural livelihood missions (SRLMs), public sector banks, NBFCs, and development agencies to deploy this solution at scale.

Contact Partnerships Team
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