Leveraging technology to enable sustainable livelihoods

Harnesssing innovation to drive meaningful change

Harnessing innovation to
drive meaningful change

Harnesssing innovation to drive meaningful change

Who Are We

CDFI develops digital solutions at the intersection of technology, governance, and financial inclusion. We work with governments and institutions to build platforms that make public systems more efficient and equitable, enabling financial inclusion and sustainable livelihoods at scale.
Through this work, we strengthen public systems, expand financial access, andsupport sustainable livelihoods - grounded in the belief that equitable growth beginswith access. CDFI is an innovation and research centre at the Institute for Financial Management and Research (IFMR), bridging research and practice for impact at scale.
OUR GOAL BY 2030
50 lakh households with sustainable livelihoods
"Previously monitoring the health of expectant mothers was difficult due to the non-availability of timely data, and the data we had was inconsistent since it was collected in papers or in registers.”
- Ramkumar S. Add. Secretary, Health and Family Welfare Dept. Meghalaya
“The name for the app signifies the centrality of mothers in achieving development goals in Health, nutrition and education."
- CM Conrad K. Sangma

Our Impact

Transforming lives through digital solutions across states and sectors.
MEGHALAYA
₹76.37Cr
paid to 7.46K ASHA’s on time.
3000+
Administrative staff & Mid-Level Health Providers benefitted from end-to-end DBT Payments Portal
3,69,000+
pregnant women registered on Mother app.
uttar
pradesh
34,354
Small & Marginal Farmers have embedded digital payments into agri-business operations across 40 FPOs.
Tamil nadu
₹34.8M
in financial assistance helped women avail timely nutritional care.
102 M+
female SHG Members across 9+ million SHGs empowered, getting financial access for livelihood enhancement.
ACROSS INDIA
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34,354
Small & Marginal Farmers have embedded digital payments into agri-business operations across 40 FPOs.
₹76.37Cr
paid to 7.46K ASHA’s on time.
3000+
Administrative staff & Mid-Level Health Providers benefitted from end-to-end DBT Payments Portal
3,69,000+
pregnant women registered on Mother app.
102 M+
female SHG Members across 9+ million SHGs empowered, getting financial access for livelihood enhancement.
₹34.8M
in financial assistance helped women avail timely nutritional care.
ACROSS INDIA

Awards and Recognitions

We embed digital solutions into public systems to empower lives and communities from the ground up

COVID Tracking System

Increased the survival rate in rural areas by 32%

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COVID Tracking System
COVID Tracking System

More than 96,000 deliveries recorded in the system

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COVID Tracking System
COVID Tracking System

Increased the survival rate in rural areas by 32%

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Featured Work

Bringing digital innovation closer to governance and even closer to the people it serves
Healthcare Tracking
COVID Tracking System

Building India's first COVID tracking system in partnership with the Meghalaya Government.

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Smart Governance
IPA-MIS

Strengthening how Meghalaya monitors and manages health programs across districts through a real-time digital platform.

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Efficient Service Delivery
MOTHER Program

Digitising maternal and child health tracking across Meghalaya, reducing maternal deaths by 50% and infant deaths by 39%.

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Financial Inclusion
Village Poverty Reduction Plan

Mapping entitlement and livelihood data for Self-Help Group members to strengthen rural financial planning.

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Focus Areas

Where innovation meets impact

Financial Inclusion

Connecting households to formal credit and digital paymentsystems that expand access to finance and support sustainable livelihoods.
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Efficient Service Delivery

Delivering government programs at scale demands precision, coordination, and real-time visibility across villages and millions of beneficiaries.
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Sustainable Livelihoods

Building real-time data systems that help state governmentstrack, manage, and deliver large-scale rural development programs.
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Who We Work With/Our Partners

Stories of change

“The MOTHER App recently helped save the life of a high-risk pregnant woman who had refused institutional delivery.”
— Dr. Tyngshain Sutnga, Medical Officer, Bhoirymbong CHC
“The MOTHER App has made it easier to track and follow up with high-risk pregnant mothers and deliveries through phone calls, and even conduct preparatory counselling for the next visit.”
- Maria Wahlang, ASHA worker, West Khasi Hills, Meghalaya
"The old system was tedious, time consuming and has too many processes which resulted in delay of payments"
— Mission Director, NHM, Ramkumar S.
“The MOTHER App has made it easier to track and follow up with high-risk pregnant mothers and deliveries through phone calls, and even conduct preparatory counselling for the next visit.”
- Maria Wahlang, ASHA worker, West Khasi Hills, Meghalaya

Insights & stories