Kerala 6 of 6

Kudumbashree, the community network built to work with Kerala's local self-governments

Kudumbashree was launched in 1998 as a community network that would work in tandem with local self-governments for poverty eradication and woman empowerment.
Its origins lie in a community-led Poverty Identification Format developed in the early nineties as part of the Alappuzha Urban Basic Services for the Poor Programme.
By that time Self Help Groups promoted by NABARD and linkage banking had established themselves as a viable microfinance model.
In 1994 the Community Based Nutrition project of Malappuram tried to assimilate these experiences and develop a woman-based community structure for the delivery of government programmes.
The 73rd and 74th amendments to the Constitution strengthened Panchayati Raj institutions and urban local bodies.
The People's Plan Campaign for decentralised governance created strong local self-governments, panchayats and municipalities, in the State shortly before Kudumbashree was launched.
The Local Self Government Department of Kerala lists Kudumbashree among its allied institutions.

Launched: 1998 Twin objectives: Poverty eradication and woman empowerment Origin programme: Alappuzha Urban Basic Services for the Poor Programme Constitutional amendments cited: 73rd and 74th
Why it matters for exams: Kudumbashree's launch year and its link to decentralised local government are asked in Kerala PSC, UPSC and banking papers alike.
Kerala PSCUPSCBank
13 October 2026 Source: Local Self Government Department, Government of Kerala Updated 14 October 2026

In plain words

NABARD National Bank for Agriculture and Rural Development — The national development bank whose Self Help Group and linkage banking work made microfinance a working model in India.

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