Social impact, measured
Corporate CSR Programs
Turn your CSR budget into lasting community capability — financial literacy programs that qualify under Schedule VII of the Companies Act and come with full impact documentation for your board.
Made for these people.
- ✓CSR heads and CSR committees at listed and large unlisted companies
- ✓Corporate foundations and philanthropic arms
- ✓ESG and sustainability teams seeking education-linked social outcomes
- ✓HR and employee-engagement teams looking to add financial-wellness volunteering
- ✓Impact investors and development-finance institutions funding livelihood programs
Why this matters.
India's Companies Act 2013 (Section 135) mandates that qualifying companies spend 2% of average net profits on CSR, with education and livelihood enhancement among the Schedule VII categories. Yet many CSR teams struggle to find programs that are substantive enough to justify board approval, measurable enough to satisfy auditors, and genuinely impactful rather than cosmetic. Financial illiteracy remains a root cause of poverty traps — women unable to access credit, micro-entrepreneurs unable to maintain books, workers unable to plan for retirement — and no government curriculum meaningfully addresses it for adults in working communities.
How we help.
PNPC designs, delivers, and documents a complete financial literacy intervention on behalf of the corporate sponsor. We work with the CSR team to identify the target community — a women's SHG network, a cluster of MSME suppliers, a rural township, or the company's own contract workforce — then build a curriculum matched to that community's financial reality. Sessions are delivered on-site or in hybrid format by practising CAs, in the community's preferred language. At the end of every cohort we produce an impact report with attendance data, pre/post knowledge assessment scores, and qualitative case studies, formatted for Schedule VII reporting and ESG disclosure frameworks (GRI, BRSR).
What you'll learn.
CSR Orientation & Community Needs Assessment
1 session- ·Mapping the target community: SHGs, contract workers, MSME cluster, or rural township
- ·Baseline financial-literacy survey: savings behaviour, credit access, digital-payment usage
- ·Schedule VII eligibility verification and documentation checklist for the sponsor
- ·Setting measurable outcomes aligned to the sponsor's CSR policy and ESG disclosures
- ·Community facilitator identification and onboarding (optional train-the-trainer model)
Everyday Money Management for Working Adults
2 sessions- ·Income tracking: wage slips, daily earnings, piece-rate payments — reading and verifying them
- ·Budgeting with irregular income: envelopes, jars, and simple digital methods (Paytm, PhonePe ledger)
- ·Separating household expenses from business expenses for micro-entrepreneurs
- ·Emergency fund basics: why 3 months' expenses matters and how to build it incrementally
- ·Avoiding common debt traps: moneylender rates vs. bank rates vs. SHG interest
Banking, Credit & Digital Finance
2 sessions- ·Jan Dhan accounts, zero-balance accounts, and PMJDY benefits
- ·UPI, IMPS, NEFT: safe use, daily limits, and dispute resolution
- ·Reading a passbook and bank statement; spotting unauthorised charges
- ·Micro-credit options: SHG linkage loans, MUDRA (Shishu/Kishor/Tarun), Kisan Credit Card
- ·Credit score basics: what is a CIBIL score, why it matters, and one action to improve it today
- ·OTP fraud, vishing, and social-engineering scams — real scripts and how to identify them
Women's SHG Financial Management
2 sessions- ·SHG ledger maintenance: passbook, cash book, and minutes register
- ·Internal lending: calculating interest, maintaining a loan ledger, and handling defaults
- ·Bank-linkage process: what documents the SHG needs and what the bank expects
- ·Profit and loss for SHG-run micro-enterprises: products, costs, margin, and reinvestment
- ·Savings products beyond the SHG: RD accounts, LIC Jeevan Umang, Post Office MIS
- ·Legal identity of an SHG: opening a joint account, signing authority, and liability
MSME & Micro-Entrepreneur Basics
2 sessions- ·Udyam Registration: who qualifies, how to register online, and the benefits it unlocks
- ·GST basics for micro-businesses: threshold, composition scheme vs. regular, invoicing
- ·Simple bookkeeping: sales register, purchase register, and a monthly P&L in a notebook
- ·Business banking: current account vs. savings account, overdraft vs. term loan
- ·TDS deduction awareness: when clients deduct, how to claim it back via ITR
- ·Government schemes: PM SVANidhi, Stand-Up India, CGTMSE — eligibility at a glance
Impact Assessment & CSR Reporting
1 session- ·Post-program knowledge assessment and comparison with baseline scores
- ·Attendance registers, photograph documentation, and participant consent forms
- ·Impact narrative: three case studies per cohort in the sponsor's preferred format
- ·BRSR (Business Responsibility and Sustainability Reporting) linkage for listed companies
- ·GRI 413 (Local Communities) indicator mapping for ESG reporters
- ·Delivery of final impact report to the CSR committee within 30 days of program end
What participants gain.
- ✓Participants can open a bank account, read their statement, and use UPI safely without assistance
- ✓SHG members maintain compliant ledgers and can calculate internal lending interest independently
- ✓MSME participants understand GST thresholds, Udyam registration, and basic bookkeeping
- ✓Corporate sponsor receives a Schedule VII-compliant impact report for board and auditor submission
- ✓Program data feeds into the sponsor's BRSR or GRI ESG disclosure with quantified reach metrics
- ✓Optional: train-the-trainer cohort leaves a permanent community resource within the target group
How sessions work.
Questions, answered.
Does financial literacy qualify under Schedule VII of the Companies Act?
Yes. Schedule VII Item (ii) covers 'promoting education' and Item (iii) covers 'promoting gender equality, empowering women' and livelihood enhancement. A financial literacy program targeting under-served communities — particularly women's SHGs or rural workers — is well within CSR eligibility. PNPC provides a detailed eligibility note for your legal and CSR team at the proposal stage.
How does PNPC handle impact measurement and reporting back to us?
We administer a standardised pre-program and post-program knowledge assessment to every participant, record attendance and demographics, and collect qualitative testimonials with consent. Within 30 days of the final session we deliver a written impact report including knowledge-score uplift, reach statistics, and three participant case studies — formatted for your board report, annual report CSR section, and BRSR disclosure if applicable.
Can the program be customised for our specific supplier or employee community?
Absolutely. We start every engagement with a needs-assessment session where we meet with your CSR team and, where possible, a representative from the target community. The curriculum is then adapted to their occupation, income profile, and existing financial behaviours. A garment-worker cluster gets a different programme to a network of women street-food vendors.
What is the minimum CSR budget required to sponsor a cohort?
We design programs to be efficient and scalable. A single 60-person cohort across 8 sessions can typically be sponsored for ₹1.5–3 lakhs, which covers CA-facilitator time, printed workbooks, and reporting. Larger multi-cohort or multi-city programs scale accordingly. We provide a detailed cost proposal after the needs-assessment call — there is no commitment required to receive the proposal.
Can your CAs volunteer as facilitators rather than us paying for them?
Yes. For companies with employee-volunteering CSR components, we can structure a hybrid model where PNPC CAs co-facilitate with your finance employees who volunteer as guest speakers or mentors. This adds an employee-engagement layer to the CSR impact and can be documented as volunteering hours in your BRSR disclosure.
Do you run programs in the UAE as well as India?
Yes. We deliver financial literacy programs in the UAE covering topics relevant to Indian and South Asian expatriate workers — remittance planning, UAE labour law and end-of-service gratuity, saving in a no-income-tax environment, and returning-home financial planning. These programs can be sponsored by UAE-based companies under their CSR or employee-welfare mandates.
Bring this program to your community — talk to our CSR team today
Our team responds within 24 hours. Tell us your group size and preferred language — we'll handle the rest, at no cost.