A PROJECT REPORTED ON CORPORATE SOCIAL RESPONSIBILITY DETAILED SUDY DONE IN ICICI FOUNDETION SUBMITED IN PARTIAL FULFELMENT OF THE REQURIMENT

FOR THE AWARD OF DEGREE OF MASTER OF MANAGEMENT STUDIES UNDER MUMBAI UNIVERSITY.

SUBMITED BY SACHIN SHAHDEO NAGRGOJE 1

ROLL NO-42 BATCH -2012-13 UNDER THE GUDIENCE OF PROFESER SADHANA OGALE

INDUSTRY CERTIFICATE

COLEGE CERTIFICATE

DECLERETION

I, SACHIN SHAHDEO NAGARGOJE student of masters of management studies (semester first) of CHANGU KANA THAKUR INSTITUTE OF MANAGEMENT STUDY AND RESEARCH NEW PANVEL, hereby declare that I have successfully completed the project on CORPORATE SOCIAL RESPONSIBILITY-ICICI FOUNDATION IN THE ACADEMIC YEAR 2012-2013. The information incorporated in this project is true and original to my best knowledge.

Name : ________________________________

Signature: __________

ACKOWLEDGMENT
One of the pleasant aspects of preparing the project report is the opportunity to thank all those who have contributed to make the project completion possible. First of all I would like to take this opportunity to thank the Mumbai University for having projects as a part of the MMS curriculum. Many people have influenced the shape and content of this project, and many supported me through it. I express my sincere gratitude to Prof. SADHANA OGALE for her inputs, views, help, and support and for giving us an opportunity to explore our abilities. I also would like to thank my parents and my friends who have helped and encouraged me throughout the working of the project. I am also thankful to all those seen and unseen hands & heads, which have been of direct or indirect, help in the completion of this project.

Signature: Mr. SACHIN SHAHDEO NAGARGOJE.

ABSTARCT
Business organizations have waked up to the need for being committed towards Corporate Social Responsibility. But still majority have just been taking up some form of philanthropic activities for its stakeholders. Nurturing a strong corporate culture which emphasizes Corporate Social Responsibility (CSR) values and competencies is required to achieve the synergistic benefits. The employees of an organization occupy a central place in developing such a culture which underlines CSR values and competencies. The present study, therefore, is an attempt to explore the engagement of human resource management professionals in undertaking

Corporate Social Responsibility. It also suggests Human Resource Management to take a leading role in encouraging CSR activities at all levels. The combined impact of CSR and human resource activities, which reinforce desirable behavior, can make a major contribution in creating long term success in organizations.

TABLE OF CONTENT

EXECUTIVE SUMMERY

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INTRODUCTION TO INDUSTRY
BANKINING A SERIES OF FINANCAIL SERVICES:
A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses. Due to their critical status within the financial system and the economy generally, banks are highly regulated in most countries. Most banks operate under a system known as fractional reserve banking where they hold only a small reserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the Basel Accords. The oldest bank still in existence is Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472. It is followed by Bahrenberg of Hamburg (1590) and Sveriges Riks bank of Sweden (1668). HISTORY OF BANKING Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north like Florence, Venice and Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of Europe. One of the most famous Italian banks was the Medici Bank, set up by Giovanni di Bicci de' Medici in 1397. The earliest known state deposit bank,Banco di San Giorgio (Bank of St. George), was founded in 1407 at Genoa, Italy.

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Origin of the word The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, from Old High German banc, bank "bench, counter". Benches were used as desks or exchange counters during the Renaissance by Florentine bankers, who used to make their transactions atop desks covered by green tablecloths. DEFINETION The definition of a bank varies from country to country. See the relevant country page (below) for more information. TYPES OF BANK Banks' activities can be divided into retail banking, dealing directly with individuals and small businesses; business banking, providing services to midmarket business; corporate banking, directed at large business entities; private banking, providing wealth management services to high net worth individuals and families; and investment banking, relating to activities on the financial markets. Most banks are profit-making, private enterprises. However, some are owned by government, or are non-profit organizations. Channels Banks offer many different channels to access their banking and other services:

Automated Teller Machines A branch is a retail location Call center Mail: most banks accept cheque deposits via mail and use mail to communicate to their customers, e.g. by sending out statements Mobile banking is a method of using one's mobile phone to conduct banking transactions Online banking is a term used for performing transactions, payments etc. over the Internet Relationship Managers, mostly for private banking or business banking, often visiting customers at their homes or businesses Telephone banking is a service which allows its customers to perform transactions over the telephone with automated attendant or when requested with telephone operator.
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FINANCIAL SERVICES
Financial services are the economic services provided by the finance industry, which encompasses a broad range of organizations that manage money, including credit unions, banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises. As of 2004, the financial services industry represented 20% of the market capitalization of the S&P 500 in the United States.

History of financial services The term "financial services" became more prevalent in the United States partly as a result of the Gramm-Leach-Bliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge. Companies usually have two distinct approaches to this new type of business. One approach would be a bank which simply buys an insurance company or an investment bank, keeps the original brands of the acquired firm, and adds the acquisition to its holding company simply to diversify its earnings. Outside the U.S. (e.g., in Japan), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent, and has its own customers, etc. In the other style, a bank would simply create its own brokerage division or insurance division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company. Banking services The primary operations of banks include:

Keeping money safe while also allowing withdrawals when needed Issuance of checkbooks so that bills can be paid and other kinds of payments can be delivered by post
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Provide personal loans, commercial loans, and mortgage loans (typically loans to purchase a home, property or business) Issuance of credit cards and processing of credit card transactions and billing Issuance of debit cards for use as a substitute for checks Allow financial transactions at branches or by using Automatic Teller Machines (ATMs) Provide wire transfers of funds and Electronic fund transfers between banks Facilitation of standing orders and direct debits, so payments for bills can be made automatically Provide overdraft agreements for the temporary advancement of the Bank's own money to meet monthly spending commitments of a customer in their current account. Provide internet banking system to facilitate the customers to view and operate their respective accounts through internet. Provide Charge card advances of the Bank's own money for customers wishing to settle credit advances monthly. Provide a check guaranteed by the Bank itself and prepaid by the customer, such as a cashier's check or certified check. Notary service for financial and other documents Accepting the deposits from customer and provide the credit facilities to them. Other types of bank services

Private banking - Private Banks provide banking services exclusively to high net worth individuals. Many financial services firms require a person or family to have a certain minimum net worth to qualify for private banking services. Private Banks often provides more personal services, such as wealth management and tax planning, than normal retail banks. Capital market bank - bank that underwrite debt and equity, assist company deals (advisory services, underwriting and advisory fees), and restructure debt into structured finance products. Bank cards - include both credit cards and debit cards. Bank of America is the largest issuer of bank cards. Credit card machine services and networks - Companies which provide credit card machine and payment networks call themselves "merchant card providers".

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INTRODUCTION TO COMPANY

ICICI Bank Limited is an Indian diversified financial services company headquartered in Mumbai, Maharashtra. It is the second largest bank in India by assets and third largest by market capitalization. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank has a network of 2,763 branches and 9,363 ATM's in India, and has a presence in 19 countries, including India.

The bank has subsidiaries in the United Kingdom, Russia, and Canada; branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre; and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The company's UK subsidiary has established branches in Belgium and Germany. ICICI Bank is one of the Big Four banks of India, along with State Bank of India, Punjab National Bank and HDFC Bank.

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Type Traded as

Public BSE: 532174 NSE: ICICIBANK NYSE: IBN Banking, Financial services 1955 Mumbai, Maharashtra, India Worldwide K. V. Kamath (Chairman) Chanda Kochhar (MD & CEO) Credit cards, Consumer banking, banking, finance, investment, mortgage, private banking, wealth management US$ 13.518 billion (2012) US$ 1.550 billion (2012) US$ 122.53 billion (2012) US$ 12.426 billion (2012) 81,254 (2012) www.icicibank.com

Industry Founded Headquarters Area served Key people

Products

Revenue Profit Total assets Total equity Employees Website

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CORPORATE HISTORY
ICICI Bank was established in 1994 by the Industrial Credit and Investment Corporation of India, an Indian financial institution, as a wholly owned subsidiary. The parent company was formed in 1955 as a joint-venture of the World Bank, India's public-sector banks and public-sector insurance companies to provide project financing to Indian industry. The bank was initially known as the Industrial Credit and Investment Corporation of India Bank, before it changed its name to the abbreviated ICICI Bank. The parent company was later merged into ICICI Bank.ICICI Bank launched internet banking operations in 1998. ICICI's shareholding in ICICI Bank was reduced to 46 percent, through a public offering of shares in India in 1998, followed by an equity offering in the form of American Depositary Receipts on the NYSE in 2000. ICICI Bank acquired the Bank of Madura Limited in an all-stock deal in 2001, and sold additional stakes to institutional investors during 2001-02. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial services group, offering a wide variety of products and services, both directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE. In 2000, ICICI Bank became the first Indian bank to list on the New York Stock Exchange with its five million American depository shares issue generating a demand book 13 times the offer size.

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OVERVIEW OF CSR ACTIVITES

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DEFINITION: The World Business Council for Sustainable Development in its publication "Making Good Business Sense" by Lord Holme and Richard Watts used the following definition. "Corporate Social Responsibility is the continuing commitment by business to behave ethically and contribute to economic development while improving the quality of life of the workforce and their families as well as of the local community and society at large" Another driver of CSR is the role of independent mediators, particularly the government, in ensuring that corporations are prevented from harming the broader social well, including people and the environment. CSR critics such as Robert Reich argue that governments should set the agenda for social responsibility by the way of laws and regulation that will allow a business to conduct themselves responsibly. What is Corporate Social Responsibility (CSR) and Sustainable Business? A Definition of CSR Corporate Social Responsibility (CSR), Corporate Responsibility (CR) or Sustainable Business are commonly heard, but rarely understood, phrases. So what does it all mean? Beyond the Buzz Words CSR is the process of assessing an organizations impact on society and evaluating their responsibilities. CSR begins with an assessment of a business and there:

Customers Suppliers Environment Communities Employees

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What does a CSR Policy Include? Many organizations have a CSR Policy, which defines areas of concern and initiatives to improve relations with the people and environments affected by business operations. CSR policies often dictate a system for monitoring responsible performance. Read more about simply. More than Compliance A successful CSR initiative takes organizations beyond compliance with legislation and leads them to honor ethical values and respect people, communities and the natural environment. CSR is sustainable - involving activities that your organization can maintain without adversely affecting your business goals. More than Being Green CSR is about more than environmental responsibility or having a recycling policy. CSR is about considering the whole picture, from your internal processes to your clients, taking in every step that your business takes during day-to-day operations. CSR is... A long-term approach to business that addresses the needs of communities, people and their employers. CSR provides frameworks for successful enterprise that is harmonious with its surroundings. CSR is an opportunity to generate honest, authentic good-news stories that a business and its community can be proud of. CSR must be sustainable - remaining a fundamental part of your business regardless of changing fortunes.

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Corporate social responsibility: is a form of corporate self-regulation integrated into a business model. (CSR, also called corporate conscience, corporate citizenship, social performance, or sustainable responsible business/ Responsible Business) CSR policy functions as a built-in, self-regulating mechanism whereby a business monitors and ensures its active compliance with the spirit of the law, ethical standards, and international norms. CSR is a process with the aim to embrace responsibility for the company's actions and encourage a positive impact through its activities on the environment, consumers, employees, communities, stakeholders and all other members of the public sphere who may also be considered as stakeholders. The term "corporate social responsibility" came into common use in the late 1960s and early 1970s after many multinational corporations formed the term stakeholder, meaning those on whom an organization's activities have an impact. It was used to describe corporate owners beyond shareholders as a result of an influential book by R. Edward Freeman. Proponents argue that corporations make more long term profits by operating with a perspective, while critics argue that CSR distracts from the economic role of businesses. Others argue CSR is merely window-dressing, or an attempt to preempt the role of governments as a watchdog over powerful multinational corporations. CSR is titled to aid an organization's mission as well as a guide to what the company stands for and will uphold to its consumers. Development business ethics is one of the forms of applied ethics that examines ethical principles and moral or ethical problems that can arise in a business environment. ISO 26000 is the recognized international standard for CSR. Public sector organizations (the United Nations for example) adhere to the triple bottom line (TBL). It is widely accepted that CSR adheres to similar principles but with no formal act of legislation. The UN has developed the Principles for Responsible Investment as guidelines for investing entities. The Benefits of Corporate Social Responsibility 88% of consumers said they were more likely to buy from a company that supports and engages in activities to improve society. - Better Business Journey, UK Small Business Consortium

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Why do we need CSR? Consumers increasingly don't accept unethical business practices or organizations who act irresponsibly. Advances in social media (giving everyone a voice) mean that negative or destructive practices quickly fuel conversations online. Organizations are accountable for their actions like never before. The Business Benefits of CSR CSR should not be viewed as a drain on resources, because carefully implemented CSR policies can help your organization:

Win new business Increase customer retention Develop and enhance relationships with customers, suppliers and networks Attract, retain and maintain a happy workforce and be an Employer of Choice Save money on energy and operating costs and manage risk Differentiate yourself from your competitors Generate innovation and learning and enhance your influence Improve your business reputation and standing Provide access to investment and funding opportunities Generate positive publicity and media opportunities due to media interest in ethical business activities Contact Simply CSR to discuss CSR and sustainable business

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INTRODUCTION TO THE PROJECT

ICICI FOUNDATION FOR INCLUSIVE GROWTH

For over five decades, the ICICI Group has partnered India in its economic growth and development. Promoting inclusive growth has been a priority area for the Group from both a social and business perspective. The ICICI Group strives to make a difference to its customers, to the society and to the nations development directly through its products and services, as well as through development initiatives and community outreach. ICICI Foundation for Inclusive Growth (ICICI Foundation) was founded by the ICICI Group in early 2008 to carry forward and build upon its legacy of promoting inclusive growth. ICICI Foundation works within public systems and specialized grassroots organizations to support developmental work in four identified focus areas. We are committed to investing in long-term efforts to support inclusive growth through effective interventions. Vision our vision is a world free of poverty in which every individual has the freedom and power to create and sustain a just society in which to live. Mission Our mission is to empower the poor to participate in and benefit from the Indian growth process through integrated action in the fields of primary health, elementary education, financial inclusion and sustainable livelihood. This will be achieved through active collaboration with the government and independent organizations.

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History:

As a key partner in India's economic growth for more than five decades, the ICICI Group endeavors to promote growth in all sectors of the nations economy. To give focus to its efforts to promote inclusive growth amongst low-income Indian households, the ICICI Group founded ICICI Foundation for Inclusive Growth in January 2008. The foundations of ICICI Groups approach towards human and social development were established with the Social Initiatives Group (SIG), a non-profit resource group within ICICI Bank, in 2000 ICICI FOUNDATION is the foundation of ICICI group. It is working for social help who are need of help ICICI FOUNDATION give them help, this is main work of companys This is new founded company but this company starts its work very early. It is helped in flood situation as well as takes new project like as educations programme of ICICI FOUNDATION.
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ICICI Foundation for Inclusive Growth (ICICI Foundation) was founded by the ICICI Group in early 2008 to give focus to its efforts to promote inclusive growth amongst low-income Indian households. It believes our fundamental challenge is to create a just society one where everyone has equal opportunity to develop and grow. Towards this end, ICICI Foundation is committed to making Indias economic growth more inclusive, allowing every individual to participate in and benefit from the growth process.

It holds a set of core beliefs and values that defines our pathway towards inclusive growth and guides our five strategic partnerships.

For over five decades, the ICICI Group has partnered India in its economic growth and development. Promoting inclusive growth has been a priority area for the Group from both a social and business perspective. The ICICI Group strives to make a difference to its customers, to the society and to the nations development directly through its products and services, as well as through development initiatives and community outreach. ICICI Foundation for Inclusive Growth (ICICI Foundation) was founded by the ICICI Group in early 2008 to carry forward and build upon its legacy of promoting inclusive growth. ICICI Foundation works within public systems and specialized grassroots organizations to support developmental work in four identified focus areas. We are committed to investing in long-term efforts to support inclusive growth through effective interventions.

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MESSAGE FROM CHAIRMAN:

At the ICICI Group, we view our social initiatives and our ethical standards as core elements of the foundation we are building for our growth. During the year, we have sought to take our social initiatives to the next level through the establishment of The ICICI Foundation for Inclusive Growth. We believe that this will significantly expand the ICICI Groups activities in the area of corporate social responsibility, philanthropy and community development. The Foundation will seek to catalyze and accelerate social and economic inclusion by bridging economic and human development gaps. The ICICI Group will continue to leverage growth opportunities in India and overseas, seek to make a significant contribution to the integrated development of our country and build a platform for sustained growth that will create value for our stakeholders. ICICI Banks Read to Lead initiative aims to bridge gaps in the access to formal schooling for a large number of children from disadvantaged backgrounds. This initiative aims to reach out to 100,000 children through different voluntary organizations, facilitating formal schooling, bridge courses, and supplementary teaching-learning material. For children like Riya, formal education is now a reality The Foundations mission is to improve the incomes of the low-income households in India. It believes that improving market access for low income households is the only sustainable way to bring about increase in their incomes and therefore it principally focuses its attention on redressing market failures.

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Governing Council:

Mr. K.V. Kamath Chairman, ICICI Bank Mr. Kamath has a degree in mechanical engineering and did his management studies at the Indian Institute of Management, Ahmadabad. He started his career in 1971 at ICICI, an Indian financial institution that founded ICICI Bank and merged with it in 2002. In 1988, he moved to the Asian Development Bank and spent several years in South-East Asia before returning to ICICI as its Managing Director and CEO in 1996. Under his leadership, the ICICI Group transformed itself into a diversified, technology-driven financial services group that has leadership positions across banking, insurance and asset management in India, and an international presence. He retired as Managing Director and CEO in April 2009, and took up his present position. Mr. Kamath was conferred with the Padma Bhushan, one of Indias highest civilian honors, in 2008, and has received numerous other awards and honors. He has been a co-chair of the World Economic Forum's Annual Meeting in Davos. He is a member of the Board of the Institute of International Finance, a Director on the Board of Infosys NYSE and Visa Inc. He is a member of the Board of Governors of the Indian Institute of Technologies and a member of advisory councils of Management, Ahmadabad
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Ms. Chanda Kochhar Managing Director & CEO, ICICI Bank Ms. Chanda Kochhar is the Managing Director and Chief Executive Officer of ICICI Bank. Ms. Kochhar started her career in 1984 at ICICI in its projects department. She has wide experience in the fields of corporate credit, infrastructure financing, e-commerce strategy and retail business. She has worked with ICICI in the areas of corporate credit, infrastructure financing, e-commerce, strategy and retail finance.

Ms. Kochhar holds a Bachelor's Degree in Arts from Jai hind College and a Masters in Management Studies (MMS) from the Jamnalal Bajaj Institute of Management Studies, Mumbai, where she topped her batch and received the Wockhardt Gold Medal for Excellence in Management Studies. She also holds a degree in cost and works accountancy from the Institute of Cost and Works Accountants of India, where she received the J. N. Bose Gold Medal for highest marks in that year.

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Mr. Sandeep Bakhshi Managing Director & CEO, ICICI Prudential Life Insurance Mr. Sandeep Bakhshi is the Managing Director & Chief Executive Officer (CEO) of ICICI Prudential Life Insurance. Prior to this, Mr. Bakshi was the Deputy Managing Director of ICICI Bank, where he was responsible for retail and rural banking. Previously Mr. Bakhshi was the Managing Director and CEO of ICICI Lombard, a 74:26 joint venture of ICICI Bank and Fairfax Group and one of the eight companies that started operations after the sector opened up to private sector participants in the year 2001.

Mr. Bakhshi, an Engineer and an MBA by education, joined ICICI in 1986 in the project financing department and worked there until 2001 before joining ICICI Lombard in January 2002.

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Mr. Rajiv Sabharwal Executive Director, ICICI Bank Mr. Rajiv Sabharwal is the Executive Director on the board of ICICI Bank. He is responsible for retail banking, inclusive & rural banking and SME & midcorporate business. He is also the Non-executive Chairman of ICICI Home Finance Company Limited. Mr. Sabharwal has over 18 years of experience in the banking/financial services industry. He joined ICICI Group in 1998 and has held leadership positions in credit policy, collections, business analytics, mortgage finance, consumer loans, credit cards, rural and microfinance lending and financial inclusion. Prior to joining ICICI Group, Mr. Sabharwal worked in the consumer durables marketing, commercial finance and retail finance businesses at Godrej, SRF Finance and GE Capital. In January 2009 he joined Sequoia Capital, a leading venture/growth capital company, where he worked as Operating Partner focusing on the financial services sector. There he led new investment decisions as well as represented Sequoia at the board in existing investments. He then rejoined ICICI Bank Limited in April 2010. Mr. Sabharwal holds degrees in Mechanical Engineering from Indian Institute of Technology Delhi and Management from India Institute of Management Lucknow.
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Mr. Bhargav Dasgupta Managing Director & CEO, ICICI Lombard General Insurance Mr. Bhargav Dasgupta, is the Managing Director & CEO, ICICI Lombard General Insurance Corporation Limited, the largest private sector general insurance company in India. Mr. Dasgupta began his career with the erstwhile ICICI Limited in 1992 in the Projects & Corporate Finance Division. Since then he has held key leadership positions in diverse business areas including Oil & Gas financing, E-commerce, Technology Management, Corporate Strategy and Treasury. In his final assignment in ICICI Bank, he set up the banks International Banking Group and headed it from 2002 to 2006. In October 2006, he was elevated to the Board of ICICI Prudential Life Insurance Company Limited as Executive Director responsible for Sales, Distribution, Product and Marketing of the Company. He took over his current role in May 2009. Mr. Bhargav Dasgupta holds a PGDBA from the Indian Institute of Management Bangalore and a B.E (Mechanical) degree from Jadhavpur University. He was named as one of the top 25 Young Executives in India by Business Today in 2006.

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Mr. Subrata Mukherji President, ICICI Foundation

Subrata Mukherji has over thirty years of experience in the financial services industry and a keen understanding of the various facets of the Indian economy. He was earlier Managing Director & CEO of ICICI Securities Ltd., the largest integrated securities firm in India covering the needs of corporate and retail customers through investment banking, institutional broking, retail broking and financial product distribution businesses. Prior to this office, Mr. Mukherji was Executive Director and Member of the Board of ICICI Bank. He commenced his career in erstwhile ICICI Ltd. in 1978 and has worked extensively in all sectors including infrastructure, oil, gas, petrochemicals and energy sectors. He has also worked in resolving stressed assets and has a keen understanding of several issues impacting the banking sector in this regard. Mr. Mukherji continues to maintain links with the academic world and has been a guest faculty member at the Indian Institute of Management Calcutta, Jamnalal Bajaj Institute of Management Studies, Bankers Training Centre and National Institute of Bank Management. Mr. Mukherji completed his BA in Economics from St. Xaviers, Mumbai, a Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies and a postgraduate degree from the London School of Economics.

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Team:

Ms. Ramni Nirula Vice President - Partnerships Ms. Ramni Nirula is Vice President - Partnerships for ICICI Foundation. Ms. Nirula has more than three decades of experience in the financial sector, beginning her career with ICICI Bank in 1976 in the project appraisal division. Since then she has held various leadership positions in areas of project financing, strategy, planning and resources, and corporate banking. Ms. Nirula was part of the top management team instrumental in transforming ICICI Bank from a primarily term lending institution into a technology led diversified financial services group with a strong presence in Indias retail financial services market. Ms. Nirula recently also headed the Corporate Banking Group for ICICI Bank. She subsequently assumed responsibility for the Government Banking Group and Corporate Agri Group based out of New Delhi. Ms. Nirula holds a Bachelors Degree in Economic and a Masters in Business Administration (MBA) from Delhi University.
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Ms. Prerana Langa Vice President - Strategy and Communications

Prerana Langa has been with ICICI Foundation since its inception and works on strategy and communications. Prerana also leads the ICICI Groups Corporate Social Responsibility (CSR) team, which is responsible for the design and implementation of CSR projects for the ICICI Group of Companies. She also handles grant making and overseas the operations of the foundation.

Prerana's twelve years of work experience include providing strategic counsel, initiation of community partnerships, training, communications, designing marketing promotions and brand management communications projects. She has worked on wide range of social projects for ICICI Bank, Hindustan Unilever, McDonalds India and others.

Prerana holds a Masters of Business Administration (MBA) with a specialization in Marketing from the University of Mumbai. She has a deep interest in social issues and volunteers with a CSO/NGO.

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Ms.Vidhya Muthuram Vice President - Policy

Vidhya has been working with the ICICI Foundation since Oct 2008. She is responsible for developing research and advocacy strategies for the Foundation in its core areas. Prior to joining the Foundation, Vidhya headed the Centre for Development Finance at the Institute for Financial Management and Research in Chennai. In that capacity, Vidhya provided research oversight, strategic guidance and management support to a team of 15+ researchers focused on developing sustainable financing models for infrastructure. She also worked for the World Bank in Washington D.C for 4 years on issues relating to pro-poor growth and inequality, national poverty reduction strategies and civic engagement in World Bank projects. Vidhya holds a Masters in International Development from Harvards Kennedy School of Government. She is a native of Chennai.

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Ms. Padma Sinha Senior Advisor - Corporate Social Responsibility

Padma is responsible for managing the corporate social responsibility (CSR) initiatives of the ICICI Group of Companies. She has worked in the consumer product space for 20 years with organizations like J&J, Lakme Limited and Hindustan Lever Limited. Her experience includes brand management, retail management, marketing services, project evaluation and incubation, research and training.

Padma is also a part-time faculty member at the Xavier Institute of Communication and has been a course-coordinator for the post-graduate program in Advertising. She holds a Masters of Business Administration (MBA) from IIM, Bangalore.

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Ms. Ruta Kanade Advisor - Corporate Social Responsibility

Ruta is responsible for managing the corporate social responsibility (CSR) initiatives of the ICICI Group of Companies. Her ten years of work experience in the development sector include designing CSR programs for corporate organizations; conducting feasibility and impact assessment studies; managing strategic partnerships with donors, government and communities; and developing strategies for resource mobilization, organizational development and staff capacity building. She has managed projects in various social sectors for CSO Partners, Bombay Dyeing, Catholic Relief Services, Akanksha, and CASP. Ruta holds a Masters of Social Work (MSW) from the University of Mumbai. She has also pursued a Post Graduate Diploma in Business Management (PGDBM) from Welingkar Institute of Management at Mumbai, and a Post Graduate Diploma in Personnel Management and Industrial Relations from Bhartiya Vidya Bhavan at Delhi.

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Ms. Deborah Gonsalves Advisor - Corporate Social Responsibility

Deborah is responsible for the corporate social responsibility (CSR) initiatives of the ICICI Group of Companies. She has worked with organizations like Child Rights in Goa, Positive People, Hippocampus Reading Foundation and Habitat for Humanity India. Her experience includes working on issues of pedophilia in the costal belt of Goa, developing HIV/AIDS awareness campaigns, raising resources for educational resource centers in low income communities, and building homes for the less privileged. Prior to joining ICICI Foundation, she handled the CSR initiatives for ICICI Prudential Life Insurance. Deborah holds a degree in Sociology and Psychology from St. Xaviers College, Goa University, and a Masters degree in Social Sciences from Tata Institute of Social Sciences, Mumbai.

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Mr. Lokanath Satpathy Manager - Finance & Accounts

Lokanath is responsible for all accounting functions of the ICICI Foundation for Inclusive Growth. He has over four years of post-qualification experience in various industries as well as six years of pre-qualification experience in accounts, audit, taxation and other related areas. Lokanath has done his Chartered Accountancy from the Institute of Chartered Accountants of India, New Delhi.

Ch
Chief Operating Officer

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TITAL OF THE STUDY

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OBJECTIVE OF THE STUDY

ICICI foundation has strategically implemented CSR which has enhanced the Company's image thereby creating great public goodwill from those living along the pipeline.CSR is about capacity building for sustainable livelihoods. It respects cultural differences and finds the business opportunities in building the skills of employees, the community and the government", In a nutshell, CSR is about business "giving back to society" ICICI FOUNDETION supports initiatives/projects that provide sustainable solutions to the most pressing social challenges CSR Objectives 1. To give back to the community by assisting the disadvantaged: 2. As a Company that has benefited from tax payers money we are obligated to support community initiatives. 3. To identify with the public and foster goodwill towards the Company: ICICI relies on Communities along the Right of Way to protect the pipeline and it is therefore critical that those communities and the public in general have a positive picture of the Company. 4. To support ongoing national advocacy initiatives : 5. There are numerous national campaigns that need support to have a greater impact e.g. HIV/AIDS, environment and health and sanitation campaigns. 6. Create awareness about the company and build its public profile: 7. To build a strong ICICI brand, the Company must be seen to have a human face.

Corporate Social Responsibility

Strategies to Create Business and Social Value

Improving Your Organization's Performance

Corporate social responsibility (CSR) is integral to long-term business success. Today's organizations must be increasingly mindful of the impact that their operations have on

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society at large, and this requires much more than isolated measures. In a climate of heightened social awareness and instant access to information, CSR must be a fundamental part of your company's targeted practices, broad objectives, and overall culture. This program is designed to help executives fully integrate social responsibility in ways that benefit both society and business. You will learn how to develop an overarching CSR strategy suited to the unique requirements of your company one that addresses the social, economic, and environmental effectsas you better position your organization for immediate and future success.

Taking Your Skills to the Next Level

In this program, you will enhance your ability to set priorities, measure results, and communicate the value of CSR efforts across your organization. Specifically, you will learn how to: Create competitive advantage through CSR Assess risks and opportunities before making capital investments or other business decisions Align CSR strategies with organizational goals and capabilities Evaluate current initiatives and consolidate efforts around key objectives Present a business case for CSR initiatives Implement CSR at all levels of the company Understand how CSR directly affects current and future regulatory practices Foster successful interaction with key internal and external stakeholders as well as governments and nongovernmental organizations (NGOs) "Brilliantly taught and extremely focused, the program delivered a solid basis for the rationale and need for CSR as well as practical insights on how to manage specific situations. The case studies not only were exercises geared for intellectual discussion, but also were guides for real-world conditions that I could encounter. Engaging with participants from many different countries led to a diverse and multicultural perspective that was very enriching."

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IMPORTANCE OF THE STUDY

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SCOPE OF THE STUDY

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LIMITETION OF THE STUDY

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RESARCH METHODOLOGY
Research Methodology
Procedures used in making systematic observations or otherwise obtaining data, evidence, or information as part of a research project or study

PRIMARY DATA

Primary data which is collected by the researcher directly from his own
observation and the experience.

SECONDARY DATA

Secondary data is the data that have been already collected by and readily available from other source. Such data are cheaper and are more obtainable then the primary data and also may be available when primary data cannot be obtained at all.

CASE STUDY For the above project I have taken ICICI CSR activates as the case .and detailed study is been done.

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PRIMARY DATA

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SECONDARY DATA

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ANALYSIS

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FINDINGS

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CONCLUSION :
1] ICICI is looking for development of India

2] CSR is the helpful for undeveloped part of nation

3] With the help of CSR company can give their contribution to society.

4] Today, India is grooming country but behind this here many problem such as community, economical, regional development, education etc. so ICICI FOUNDATION is help those who are really needed it. 5] As per plan ICICI FOUNDATION is implemented everything and always walking on its major aim FOR INCLUSIVE GROWTH.

6] Finally ICICI FOUNDATION is doing its work very sincerely with help of its various company and employee.

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ANAXURE

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BIBLIOGARPHY:

WWW.ICICIFOUNDATION.ORG WWW.GOOGLE.COM WWW.GIVEINDIA.COM WWW.ICICIBANK.COM

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INTRODUCTION OF ICICI FOUNDATION

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A) Rural Self-Employment Training Institutes

Focus areas: 1) Elementary education 2) Sustainable livelihoods 3) Primary health 4) Access to finance
1) ELEMENTARY EDUCATION: In the area of elementary education, we work to improve the quality of schooling processes and outcomes in the public education system in India.

A) SCHOOL AND TEACHER EDUCATION REFORM PROGRAMME IN RAJASTHAN

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Creating a model for change Improving school and teacher education in Rajasthan Imagine you are a teacher in a classroom in rural Rajasthan. In front of you, students aged nine to thirteen squirm and chatter. Some of the students attend school every day, some of them are absent for months at a time. Some of the children can read sentences while some can barely recognize letters. This classroom would be difficult for any teacher to manage, even more so for a teacher with little to no training in effective classroom management. This is the exact situation ICICI Foundation helps to mitigate. After working in systemic curriculum and education reform through ICICI Bank for over a decade, ICICI Foundation has taken its dedication to achieving quality elementary education to the state level in Rajasthan. Our partnership with the government is designed to support and enable education functionaries to deliver quality education in alignment with the current government mandates and to strengthen the states teacher education apparatus. In collaboration with the Directorate of Elementary Education, State Institute of Education Research and Training (SIERT) and Sarva Shiksha Abhiyan (the Government of Indias flagship programme for achievement of universalisation of elementary education), the goals of the statewide Rajasthan programme are to: Revise the curriculum for training new teachers Develop textbooks for classes I to V for all subjects and textbooks for classes VI, VII, and VIII for English and Social Sciences Develop the in-service teacher education curriculum to facilitate the use of new textbooks by teachers in the classrooms Build the ability of the District Institutes for Education and Training (DIETs) and block-level functionaries to support the in-service teacher education curriculum and teachers inside schools Institute comprehensive methods for evaluating children in classrooms
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Support 100 schools in two blocks in two districts to become RtE compliant, including supporting the establishment and functioning of School Management Committees ICICI Foundation has helped form a state-level teacher educator group comprising SIERT faculty, select DIET faculty, select block-level functionaries, schoolteachers and external resource persons from NGOs and universities. This group is divided into four sections to work on pre-service reform, in-service reform, curriculum and textbook development, and district and block-level support To provide a sustainable programme of teacher and student education reform, ICICI Foundation drew on its experience with district-level work in Baran, Rajasthan. ICICI Foundations collaboration with the Government of Rajasthan began in 2007, when ICICI Foundation began working on the Quality Education Programme (QEP) in Baran district, in partnership with two in-state NGOs, Digantar and Vidya Bhavan Educational Resource Centre. ICICI Foundation was involved in facilitating support to the programme toward improving classroom practices and providing a comprehensive model of teacher support across the district. The lessons and achievements from this programme encouraged the Government of Rajasthan and ICICI Foundation to carry forward their work at the state level for another six years. Our statewide work in Rajasthan will include: Pre-service Teacher Education Revision of the Basic School Training Certificate (BSTC) course, including new syllabus and reading material for 17 subjects of 1st and 2nd year Comprehensive academic programme for faculty of 33 DIETs in the new pre-service curriculum Creating a state-level Teacher Educators Group (50-75 members) Textbook development Develop textbooks for classes I to V for all subjects and textbooks for classes VI, VII, and VIII for English and Social Sciences In-service Teacher Education Modules for five subjects from classes I to V based on the new textbooks Create a pool of state-level key resource persons who will train the district and block-level trainers across the states 33 districts
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Train trainers at the district level and block level in the two intervention districts and blocks Developing Right to Education compliant schools Support 100 selected schools in two blocks to become RtE compliant Focus on comprehensive and continuous evaluation and on School Management Committees Prepare and support 80 nodal headmasters in two blocks for their new academic role as mandated by RtE Monitoring and review will be crucial to the success of the programme and the sustainability of the reforms. ICICI Foundation is working with the Government of Rajasthan to deliver monthly and quarterly progress and financial reports and to institutionalize a quality benchmarking system for pre-service and in-service teacher education training programmes. ICICI Foundation will also undertake a thorough impact assessment of the reforms at the school level, including teaching-learning practices and improvements in learning levels. Based on our experiences in elementary education in Rajasthan, we look forward to expanding our work to other states.

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B) CHHATTISGARH CURRICULUM AND TEXTBOOK DEVELOPMENT

In Chhattisgarh, ICICI Foundation facilitated a collaborative partnership among its partner resource organizations Digantar, Jaipur, Eklavya, Hoshangabad and Vidya Bhavan Education Resource Centre, Udaipur -- and the state government to support the process of school curriculum renewal. Through the collaborative effort, critical support was extended to strengthen the capacities of the State Council for Education Research and Training (SCERT) to develop a new curriculum framework and textbooks. Today, four million students across Chhattisgarh have benefitted from the revised curriculum and learn with the help of these childfriendly textbooks. When the state of Chhattisgarh was constituted in 2002, the state government elected to develop a new state curriculum and textbooks to reflect the states particular socio-cultural context. To undertake this task successfully, it needed expertise and perspective from partners with experience in developing school curricula. To help carry out the process of curriculum and textbook development, ICICI Foundation facilitated a partnership between the state government and three of its expert resource partners. Developing the new curriculum and textbooks was a consultative process, informed by deliberations among participants from the SCERT, District Institutes of Education and Training (DIETs), teacher training institutes and colleges in Chhattisgarh, resource persons from the three partner organizations and experts from universities. To develop a pool of local resource persons, the project included a significant capacity building element for state and district-level institutions including the SCERT and DIETs. This enabled these institutions to develop as centers of academic activity and support for the education system. While many stakeholders participated in developing the textbooks, the process was anchored within the
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SCERT, which oversaw the process through a steering committee formed by its faculty. The new curriculum has been used state-wide since 2007. Textbooks in all subjects for classes 1-8 have been released for state-wide usage. These textbooks have been acclaimed by national-level experts. Four million children across the state use the contextually-grounded and childfriendly curriculum and textbooks. Through the process, the SCERT has built capacity for providing leadership to the elementary school system in Chhattisgarh.

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C) CREATING AN EDUCATION RESOURCE CENTRE IN CHHATTISGARH

In Chhattisgarh, ICICI Foundation for Inclusive Growth and its partner resource organizations Digantar, Jaipur, Eklavya, Hoshangabad and Vidya Bhavan Education Resource Centre, Udaipur -- have created the Chhattisgarh Education Resource Centre (CERC), a robust education resource centre that supports the government education institutions to strengthen the quality of elementary education in the state. Over the course of ICICI Foundations engagement with the state of Chhattisgarh, it became apparent that the ongoing work of developing textbooks and building the capacities of Chhattisgarhs state educational institutions required an ongoing and continuous local presence in the state. To meet this need, the Chhattisgarh Education Resource Centre (CERC) was set up in June 2007 with the support of ICICI Foundation, Eklavya, Digantar and Vidya Bhavan Education Resource Centre. The Chhattisgarh Education Resource Centre (CERC) consists of a core team of full-time local staff, who were initially guided and supported by resource partners working within the state. The CERC engages with and builds capacities of educational institutions in the state and develops a common platform with NGOs. It also works to involve competent resource personnel from inside and outside the state to facilitate educational reform.

Currently the CERC is actively working with the State Council for Education Research and Training (SCERT) to develop the teacher education curriculum (Diploma in Education, D.Ed.). Together the organizations are reforming the D.Ed. curriculum to enable student teachers to develop into reflective practitioners. CERC has also worked with the DIET and has started holding study forums for students pursuing the two-year D.Ed. programme.

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D) ENGLISH RELAY PROGRAMME

English language training for teachers and students in rural Assam ICICI Foundation for Inclusive Growth has entered into a partnership with the Axom Sarba Siksha Abhijan Mission to improve English language skills and proficiency for teachers and students in the Kamrup district of Assam. ICICI Foundation recognizes the increasing value of English language proficiency for both personal and professional development. To help improve the English language skills of children in Assam, we have launched the English Relay Programmed, in partnership with Axom Sarba Siksha Abhijan Mission (Assam SSA), with Infrastructure Leasing & Financial Services Limited Education & Technology Services (IL&FS-ETS) as our implementation partner. Launched in July 2011, this pilot English language training project aims to impact the students of 100 government-run elementary schools in Kamrup district in Assam, ultimately covering an estimated 14,000 students in classes I to V. This programme is specifically designed for students who learn English as their second or third language. The programme is customized according to the teachers and students needs and aims to strengthen the capacities of the teachers so that the students may develop Basic English language proficiency. Prior to starting the project, we conducted a needs assessment among students
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and teachers. This baseline study helped to identify the gaps in the existing system and to contextualize the training and teaching-learning materials. Based on this assessment, the programme was designed with a focus on two critical gaps: lack of quality teacher training in the English language; and inadequate supply of standardized English language teaching-learning materials. On August 19, 2011, ICICI Foundation held an orientation workshop for all concerned stakeholders prior to roll out of the programme. Representatives from participating schools and twelve block resource persons, along with the headmasters of participating schools, attended the orientation held at the Shiksha Bhavan, Chandmari, and Guwahati. The objective was to ensure that the headmasters understand the project and have all the necessary information about it. The project was launched in September 2011 with a sixday teacher training workshop across various locations in Guwahati. The teacher training workshop was attended by two teachers from each of the participating schools, along with the twelve block resource persons. The training workshop included an orientation programme covering topics such as basic communication skills, classroom management techniques and training in the English teaching materials and pedagogy. The trained teachers will teach the English Relay Programme in their respective schools beginning November 2011. Programme staff of the implementation partner will provide the teachers with continuous classroom support and guidance. Comprehensive English Relay kits with teaching-learning materials were provided to the participating schools. The kit includes interactive learning materials specifically prepared for the programme such as audio tapes with a tape player, flash cards, reading and story cards, games and posters. Workbooks for students and manuals for teachers have also been provided for guidance on using the English teaching-learning materials and to suggest activities to make the lessons interesting and exciting. "After this workshop I realized that English teaching is easy," said Nirmali Chakravarthy, a participating teacher of Bharalmukh LP School. "The English Relay kit is a very valuable resource," she added, "with various kinds of aids to teach students. The idea of letting students enjoy and learn is a beautiful one. I hope we have more such workshops, so that I can discuss the challenges I face in the classroom and get guidance." "I like the fact that teachers can make their own cards to add to the kit and make the class exciting. The student workbook is also engaging. Now we have
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to see how the students respond to it," said Phukan Boro, a teacher from Sonapur Government Junior Basic School.

E) THE QUALITY EDUCATION PROGRAMME

The Quality Education Programme, Baran, is a collaborative initiative of ICICI Foundation and its partner resource organizations Digantar, Jaipur and Vidya Bhavan Society, Udaipur -- that supports government efforts to improve the quality of elementary education in Rajasthans Baran district. In addition to strengthening government education institutions, the programme has improved in-service teacher trainings, teacher and student attendance, classroom practices and learning. Despite the substantial progress made through the Government of Indias flagship education programme Sarva Shiksha Abhiyan (SSA) which aims to provide free and compulsory education for children ages 6 to14 many gaps in Indias education system remain. In Rajasthan, SSA has improved access and enrolment in schools, but the programme has made few inroads in improving the quality of education. Improving the quality of education in districts like Baran, which has some of the poorest education indicators in the state, required efforts to strengthen the training and academic capacities of government education institutions at the district, block and cluster levels. These institutions are critical to the provision of support to schools and teachers and consequently to improving the quality of schooling processes and outcomes. Additionally, there was a need to work intensively in few schools in select clusters to demonstrate well functioning schools and their support system at the cluster level and to generate evidence on good practices on overall school improvement.
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The Quality Education Program (QEP), Baran, focuses on strengthening the capacity of the District Institute for Education and Training to enable it to provide stronger academic and training support to teachers and schools. QEP also works with Block Resource Centers (BRCs) and Cluster Resource Centers (CRCs) to develop their potential as resource centers that support teachers in their day-to-day functioning. In addition, QEP works intensively across four clusters of two blocks (Ataru and Shahabad) to provide in-school and in-classroom support in 78 of Barans approximately 1,600 government schools. The programme also works to build linkages between these schools, the community and the government educational institutions in the district. These direct interventions have reached approximately 250 teachers and 6,000 students. The programme is a collaborative initiative of the Government of Rajasthan through the Collector, Baran; the District Institute for Education and Training, Baran; Sarva Shiksha Abhiyan, Baran; Digantar, Vidya Bhavan Society and ICICI FOUNDATION.

The programme has set up a localized resource centre within the DIET, consisting of programme staff and faculty from the DIET, BRCs and CRCs. Known as the Quality Improvement Unit (QIU), the centre provides ongoing academic support and helps with planning and organizing trainings for teachers. The QIU has developed innovative in-service teacher training modules and teaching learning materials. These modules have been developed through the active and sustained participation of local master trainers selected from Barans teacher community. For three successive years, 4,200 teachers from primary and upper primary schools have attended the annual in-service teacher-training programme. The 78 intervention schools have seen improvements in teacher and student attendance, more engaging and participatory morning assemblies, better classroom organization and more positive student-teacher relationships. Childrens reading levels have also improved and there is a greater use of teaching learning material in classrooms.

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F) MUKTANGAN EDUCATION INITIATIVE

ICICI Securities, through ICICI Foundation, is continuing its support of the preprimary section of Muktangan, a Mumbai-based NGO. Muktangan works within the government school system and has taken full control of the educational procedures of the Globe Mills Passage Municipal School. Muktangans goal is to use alternative, holistic techniques to design a model of quality education that is sustainable and affordable. ICICI Securities support, which began in 2007, helps Muktangan to develop and introduce innovative and supportive practices for early childhood education to their group of pre-primary students, practices that include determining an ideal student to teacher ratio and maintaining continuity between standards. These practices aim to provide an environment that sustains childrens interest and facilitates their development. There are currently 182 children in Muktangans pre-primary sections that benefit from this child-friendly approach. In the schools stimulating and collaborative environment, the children are encouraged to become active in their own learning process through spirited but educational activities. Muktangan has personally trained and appointed the entire teaching staff of the pre-primary section to ensure that they are qualified to implement the new methods. These teachers also regularly attend training and development sessions. In addition to the teaching staff, Muktangan also makes sure the students parents are involved in their childrens education and can provide the proper support for their success.
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2) SUSTAINABLE LIVELIHOODS: India has an urgent need to

create employment opportunities for those below the poverty line. The Foundations first steps in its sustainable livelihood initiative will be to strengthen two Rural Self-Employment Training Institutes (RSETIs) in Udaipur and Jodhpur, run by ICICI Bank.

RURAL SELF-EMPLOYMENT TRAINING INSTITUTES

In India, there is an urgent need to create adequate employment opportunities for rural youth, particularly those below the poverty line. Given this challenge, ICICI Foundation has broadened the scope of its work to include a new focus on sustainable livelihoods part of our comprehensive strategy for enabling lowincome Indians to participate in and benefit from the nations growth. The Foundations first steps in its sustainable livelihoods initiative are to strengthen two Rural Self-Employment Training Institutes (RSETIs) in Udaipur and Jodhpur, run by ICICI Bank. RSETIs are training centers for rural youth that provide them with the skills and understanding they need to build lucrative and secure futures. RSETIs also provide residential facilities during training when required. Part of a national programme initiated by the Ministry of Rural Development, RSETIs are run by leading public or private sector banks with the active support of State Governments. Since adopting the Udaipur and Jodhpur centers after its merger with Bank of Rajasthan, ICICI Bank has entrusted the responsibility of managing and growing the centers to ICICI Foundation. On March 28, 2011, ICICI Bank formally
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inaugurated the new premises at its Rural Self-Employment Training Institute in Udaipur, Rajasthan. ICICI Foundation will work to upgrade the infrastructure at the RSETIs, facilitate the recruitment of required staff, spread awareness about the work of these institutes amongst the community and introduce new training courses. Through this work, ICICI Foundation aims to promote not only general employment, but selfemployment and micro-ventures as well. Towards this objective, ICICI Foundation is focusing on the following strategic elements for creating successful employment programmes: Skill and competency development: ICICI Foundation offers training programmes that are culturally relevant and locally in demand, have low input cost and high returns, and are self-sustainable. Such courses include beautician training, mobile phone repairing, tailoring, cattle breeding and vermi composting, as well as support to youth in building their own ventures. Sustainability: ICICI Foundation is working to put in a place a mechanism for facilitating job placement through industry linkages, support structures for candidates starting their own ventures and regular follow-up with those who have completed their training. Students are guided in technical skills and in understanding how to finance their own start-ups. Apart from trainings at its residential centres, ICICI Foundation undertakes courses in the villages surrounding Udaipur and Jodhpur where there is demand. In the next year, ICICI Foundation aims to train several thousand people through these initiatives. After establishing an effective model with the RSETIs in Jodhpur and Udaipur, ICICI Foundation anticipates expanding its sustainable livelihood initiatives to other areas where there is demand and capacity for such interventions. Nurturing self-reliance and empowerment through livelihoods For course participants, the impact of the beautician course at ICICI Foundations Rural Self-Employment Training Institute is not just skin deep. For two months, these rural women not only get expert training on the skills required of a beautician, but also an opportunity to take control of their own lives. Whether motivated by the possibility of financial security or the desire to look like the actresses on television serials, these women all gain invaluable training in the fundamentals of independence. LalitaChowdury, 22, knows she cannot depend on her husband for a steady income, especially since he suffers from alcoholism. She enrolled in the course to
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supplement her familys income and make a better life for herself and her two-anda-half year old son. At the Udaipur RSETI, Lalita has learned threading, hairstyling, make-up application and other skills to prepare her to open her own beauty parlor. Lalita has been on exposure visits to ayurvedic hospitals, learned yoga, and even helped prepare local brides for their special day.

3) PRIMARY HEALTH
In the area of primary health, our goal is to improve the delivery of health services to remotely located and low-income individuals and families.

Apna Clinic

ICICI Foundation in partnership with ICICI Lombard Insurance Company launched a three-year project for truck drivers at Transport Nagar in Nigdi, Pune. Aimed to increase the health-seeking behavior among long-distance truck drivers and improve their knowledge of road safety, the two-pronged project offers health solutions through the newly established Apna Clinic and creates health awareness through counseling and training. Every year, approximately 30,000 truck drivers visit Transport Nagar. Through this project, the Foundation aims to reach out to 10,000 truck drivers and members of the trucking community in the first year, and thereafter to scale up the project to other locations. Launched in July 2011, the project was conceived on the basis of studies that
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showed that truck drivers and cleaners lack awareness of basic road safety practices and face numerous common occupational health ailments such as backaches, joint pain, ear-nose-throat (ENT) problems, stomach and skin infections, hypertension diabetes and anemia. While some of these issues are connected to poor sanitation, hygiene and a lack of nutritious food, health problems among truck drivers are further aggravated by minimal healthcare-seeking practices and inadequate medical facilities at halt points. Prior to starting the project a baseline study was conducted by Prognosis. The study indicated that although there are a number of initiatives undertaken by the government, NGOs and a few corporate organizations targeting truck drivers, the primary focus of these projects is typically preventing STIs and HIV/AIDS. Projects focusing on general healthcare are often limited to a one-time health camp with little or no scope for referrals and follow ups, leaving a gap in the primary healthcare delivery system. Following the study, the Foundation sought to expand both the supply and demand for healthcare by opening a permanent facility, Apna Clinic, with outreach activities and training programmes. The clinics goals will be advanced through outreach activities including inter-personal communication counseling sessions, advocacy and street plays. ICICI Foundation is working with Seva dham Trust to implement these activities. Apna Clinic: The 1800 square foot clinic provides general health services and add-on consultancy services with specialized doctors. In addition, basic diagnostic facilities are available at the clinic. The clinic will also create a robust referral system through linkages with existing health facilities in and around Transport Nagar. Based on their needs, patients will be referred to the nearby Khushi clinic for STI/HIV testing and treatment, to other clinics or hospitals in Nigdi for advanced or super specialty services, and to deaddiction centers for rehabilitation. A referral directory will be developed to track the cases and their status. The clinic conducts the following: 1. Daily yoga sessions for stress management and posture related problems. 2. Counseling for psycho-social problems is available on a daily basis. 3. Training to create advocacy and awareness about healthcare to Peer Educators Project Outreach Worker sand Master Trainers chosen from within the Peer Educators and Outreach Workers group.

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The Apna Clinic also organizes training sessions with a focus on improving knowledge and attitude towards health, road safety and finance. A training module on financial literacy has also been developed with an aim to understand the relationship between savings and health, highlight the importance of savings and the various means of savings. The project aims to sensitize the key stakeholders in the transport business transporters, truck owners and drivers, government bodies and policymakers who are responsible for providing basic amenities at Transport Nagar so that they may gradually take ownership of the project.

CITY INITIATIVE FOR NEWBORN HEALTH

The City Initiative for Newborn Health worked to improve the health and survival of mothers and newborns among slum communities in Mumbai. The project strengthened community awareness and action on maternal and newborn health as well as improved the care available at municipal primary health care facilities. Slum populations in India rank among the poorest, most under-serviced and consequently, most vulnerable groups in terms of health. Available health indicators for the urban poor compare unfavorably with both rural and national averages. In contrast to rural areas, the extremely poor health and nutrition outcomes in urban contexts such as Mumbai persist even with the existence of geographically accessible health infrastructure and services.
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An action research study, the City Initiative for Newborn Health (CINH) was initiated aiming at lowering maternal and newborn morbidity and neonatal mortality among underprivileged slum communities in Mumbai. The project covered a population of approximately 400,000 spread over 24 slum clusters across 6 wards of the city. In addition to working with municipal health service providers to improve maternal and neonatal services, the project sought to mobilize the community to improve maternal and neonatal care practices and care seeking. It also worked to strengthen primary care to increase the availability and quality of decentralized antenatal, postnatal, and neonatal services at primary healthcare facilities.

VILLAGE HEALTH COMMITTEE-SAHIYYA RESOURCE CENTRE

Building Systems for Healthy Communities ICICI Foundations work in Jharkhand In Jharkhand, two out of every five mothers receive no health care during pregnancy. Acute shortages of doctors and nurses in the state means that few people have access to medical care at the local level, resulting in poor health indicators in rural Jharkhand1. Since ICICI Foundation believes that good health is fundamental for achieving inclusive growth, improving access to primary healthcare in Jharkhand continues to be an integral part of our work. Since 2008, ICICI Foundation has worked in partnership with the Government of Jharkhand through the Jharkhand Rural Health Mission Society (JRHMS), National Health Systems Resource Centre (NHSRC), and an NGO called Child In Need Institute (CINI). The goal of this partnership has been to support the public health system by strengthening community processes of the National Rural Health
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Mission (NRHM), a national healthcare programme for rural populations that focuses on 18 states with poor health indicators including Jharkhand. A key element of the NRHM involves engaging communities as participants in the public health system by establishing Village Health Committees (VHCs) and training community health workers called Accredited Social Health Activists (ASHAs). In Jharkhand ASHAs are referred to as Sahiyyas, meaning friends in the local dialect. The primary strategy of the state-civil society partnership formed by ICICI Foundation and its partners in Jharkhand has been to support VHCs and Sahiyyas by establishing a Village Health Committee-SahiyyaResource Centre (VSRC) that is responsible for designing, planning and implementing the Village Health Committee and Sahiyya programmes across Jharkhand. Establishing a model for health: Setting up the Village Health CommitteeSahiyya Resource Centre (VSRC) Sahiyya: A friend of health In Jharkhand, Sahiyyas function as bridges between their communities and the government health system. They act as community mobilizes by helping the government spread awareness about health programmes and good health practices. When properly trained and supported, Sahiyyas can be extremely effective in improving public health in rural areas. From September 2008 to March 2011, ICICI Foundation and its partners focused on establishing the Village Health Committee-Sahiyya Resource Centre (VSRC) to train and support Sahiyyas. Having identified weaknesses in trainings and the absence of a support structure for Sahiyyas to function effectively as health activists as the primary gaps in the implementation of the VHC-Sahiyya programme, ICICI Foundation worked closely with the government to establish a VSRC team to standardize the training and develop supportive supervision structures within the VHC-Sahiyya programme. The VSRC has now taken charge of the training for Sahiyyas in all districts and has developed innovative and contextualized training materials and modules so that the trainings are relevant, comprehensive, and informative. Unlike the national modules issued from Delhi, the new modules focused on Jharkhand-specific language and themes. The team took special care to design modules that were both easy to understand and connected to the local communities. To date, 40,964 Sahiyyas have been trained with this new training material. Empowering the Sahiyyas to work towards attaining the health entitlements of their communities is essential for the effectiveness of the programme. To address this need, the VSRC created a module on leadership that seeks to ensure that

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Sahiyyas understand the importance of their own role and can raise the health concerns of their community at appropriate forums. The VSRC has developed a variety of innovative formats to help the Sahiyyas in carrying out their work. For instance, the Sahiyya Passbook, a book given to each Sahiyya that helps them keep track of their performance-based incentives was developed by the VSRC team. The VSRC has also started the circulation of a monthly theme-based Sahiyya bulletin, to be given to every Sahiyya. Another tool to mobilize the Sahiyyas and encourage community participation in the health system are the district-level SahiyyaSammellans. These yearly Sammellans provide a forum for all Sahiyyas in a district to come together and share their experiences. Rewards for good-performing Sahiyyas are also given out during these sammellans. Government officials attend the Sahiyya Sammellans, which gives Sahiyyas an opportunity to have direct access to district officers and health functionaries.

WORKING WITH SELF HELP GROUPS: KALANJIAM FOUNDATION PROJECT

The past decade has witnessed the emergence of many micro finance institutions (MFIs), most notably, a nationwide attempt, pioneered by nongovernmental organizations, and supported by the state, to create links between commercial banks, NGOs, and informal local groups -self-help groups. As MFIs both deepen and expand their reach, there is an increasing interest in developing lateral linkages to address a range of their clients needs, of which health-related care and expenditure is an important emerging concern. Today there are approximately 1.5 million SHGs across India. It has been estimated that the SHG-Bank Linkage programme reaches some 12 million women and their households. Programme evidence also indicates that interventions with women's groups can positively
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influence nutrition and health status of women and children. A combination of variables including maternal knowledge and access to information, participatory action planning, and improvements in womens status and decision-making have been associated with improved outcomes. Therefore, the existing and expanding network of these groups offer a strong incentivized channel for strategic interventions in poverty alleviation, capacity building, self employment, enlisting womens participation in the development process, as well as for strategic intermediations in basic developmental areas like health. The past decade has witnessed the emergence of many micro finance institutions (MFIs), most notably, a nationwide attempt, pioneered by nongovernmental organizations, and supported by the state, to create links between commercial banks, NGOs, and informal local groups -self-help groups. As MFIs both deepen and expand their reach, there is an increasing interest in developing lateral linkages to address a range of their clients needs, of which health-related care and expenditure is an important emerging concern. Today there are approximately 1.5 million SHGs across India. It has been estimated that the SHG-Bank Linkage programme reaches some 12 million women and their households. Programme evidence also indicates that interventions with women's groups can positively influence nutrition and health status of women and children. A combination of variables including maternal knowledge and access to information, participatory action planning, and improvements in womens status and decision-making have been associated with improved outcomes. Therefore, the existing and expanding network of these groups offer a strong incentivized channel for strategic interventions in poverty alleviation, capacity building, self employment, enlisting womens participation in the development process, as well as for strategic intermediations in basic developmental areas like health. Based on these opportunities presented by women's self help groups of MFIs, and the positive evidences of working with women's groups for health and nutrition, this action-research project is centered around federated womens micro credit self help groups as sites for community intervention in health and nutrition, with a particular focus on concerns of young girls, pregnant women and children. Located in the rural and tribal contexts of Tamil Nadu and Andhra Pradesh, across 6 districts - Madurai, Ramanathapuram, Dindigul, Theni, Thanjavur, and Adilabad, the project covers ten federations (approximately 200,000 population). Established in 2004, the initiative is structured around the concept of self-health governance which integrates micro-finance and health care by promoting health intermediation with the Self Help Group Federations promoted by the Kalanjiam Foundation, a subsidiary of DHAN Foundation which is a development institution with its base
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in Madurai, Tamil Nadu. Kalanjiam Foundation coordinates the Kalanjiam Community Banking Programme, providing technical and managerial support to the development of institutions that are owned and managed by the poor. Unlike most MFIs that function as financial aggregators the Kalanjiam Foundation has a human development orientation, with emphasis on social aggregation at the community level to undertake programmes in health, education, and other community issues, promoting and managing structures of self health and education which are linked with locally functioning mainstream institutions. Integrating a strong operations research component into its design, the project seeks to study health intermediation and the potential of community participation in health through peoples institutions such as Self Help Groups; and the integration of micro finance and health in ensuring better health outcomes and demonstrating the sustainability of a community-based health care system owned and managed by the poor. The Foundation for Research in Health Systems (FRHS) has been the collaborating partner for formative research in the project. DISTRICT ACTION HEALTH PLANS

Health planning at the district level Shahkhund Primary Health Centre, a cluster of buildings in the Shahkhund block of Bihars Bhagalpur district, provides a strong case for at least two things. First, while Bihars rural public health system is not yet functioning optimally, there have been significant improvements in just a few years. And second, District Health Action Plans, an integral part of the decentralized strategy adopted by the National Rural Health Mission, have played a large part in making this happen. Dr. Jayaprakash Singh, the Medical Officer in Charge (MOIC), has been at Shahkhund since 2001. He has seen the Primary Health Centre (PHC) transform from an under-resourced building with deferred maintenance, limited medications and few patients to a centre that serves the population by delivering babies, giving immunizations, controlling community-level diseases and providing a range of
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other services. Dr. Jayaprakash and Mr. Madhukhant, the Block Health Manager of Shahkhund PHC, have been active participants in a series of workshops co-organized by the Public Health Resource Network and the National Health Systems Resource Centre with the support of ICICI Child Health. The workshops provide districtlevel functionaries with the tools, methods and knowledge required to undertake effective health planning. District Health Action Planning is one of the primary emphases of Indias National Rural Health Mission (NRHM), the public health programme that aims to improve the quality of rural healthcare in the 18 states with the poorest health outcomes. At its most basic, health planning involves analyzing the availability and quality of existing resources along with epidemiological patterns, and then determining what resources are required to improve district-level health outcomes. Some of the major constraints in preparing these plans have been the lack of capacity at the block and district levels and the unavailability of resources and an institutional framework for comprehensive planning. ICICI Child Health, the Public Health Resource Network (PHRN) and the National Health Systems Resource Centre (NHSRC) devised the workshop series to address these gaps. The workshops taught district and block-level functionaries how to do a situational analysis to assess health needs and accurately estimate what infrastructure, human resources, drugs, supplies and other resources are needed. Just as importantly, the workshops taught the functionaries how to connect these needs to the process for making financial allocations to the district under the National Rural Health Mission. ICICI Child Healths team also provided direct on-the-job support to the district and block level teams in Bhagalpur to prepare the district plan. Previously, the preparation of Bihars health plans was done at the state level without any consultations in the 38 districts. Based on this health plan, the central government would make resources available to the state healthcare system. But even within a single state, districts may have strikingly varied needs; addressing malaria may be the most pressing need in one, while another may primarily need funds for vaccinating children. Consequently, Bihars health plans as in most other states had major gaps between what the state estimated was needed by the districts to provide effective healthcare and what the districts actually required. Moreover, there was little flexibility in spending the money, which meant that even if funds were available for certain expenses, they could not be used for other expenditures deemed necessary by districts.
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Because of this disconnected planning, Bihars utilization of funds was very low, despite availability of resources. Just two years ago, Bihar spent only 27 percent of the money that was allocated to it under the National Rural Health Mission, returning the rest at the end of the year. Though Bihars healthcare system is one of the worst in the country, year after year, money allotted to improve it could not be spent. For this reason, the National Rural Health Mission zeroed in on including the districts in the planning process. According to the District Health Action Planning process, each district needs to make an assessment of its own resources, priorities and requirements in order to deliver a plan to the state. Based on the districts plans, a final state plan is prepared and delivered to the central government.

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4) ACCESS TO FINANCE

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IN THE AREA OF ACCESS TO FINANCE, OUR GOAL IS TO ENSURE UNIVERSAL FINANCIAL INCLUS

A) UNIVERSAL ACCESS TO FINANCE

\ Over the last decade, ICICI Group has had a significant impact on virtually every aspect of Indias expansion in access to finance, including: Channel and Technology Architecture This is perhaps the area in which ICICI Group has had the most impact, virtually changing the entire financial inclusion landscape within the country. By introducing new models to deliver rural and micro credit, promoting the SHG-Bank Linkage, steering the introduction of Business Correspondents in India, and supporting organizations like FINO and Micro Save, ICICI Bank has provided considerable leadership and technical expertise to enable financial inclusion. Training, Research and Policy Advocacy ICICI Bank is conscious that for mainstream financial institutions, working in rural India and with poor households is relatively uncharted territory. It has tried to base its growth strategies on sound evidence on what works at the household and local economy levels. In order to catalyze high quality work in the areas of training, research and policy advocacy, it supports and works closely with centers that research issues related to access to finance. Product Design ICICI Bank has combined its expertise in financial engineering with the insights generated by its partners and allied research institutions. ICICI Bank and other ICICI Group companies have designed and are taking to scale a number of products including: (a) index-based rainfall insurance, (b) catastrophic health insurance, (c) working capital facilities for agriculture traders, (d) working capital facilities for artisans, (e) take-out finance for
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start-up local financial institutions, (f) warehouse receipt based financing, (g) credit to low-income households through the partnership model.

B) EFFECTIVE AND AFFORDABLE RISK MANAGEMENT SOLUTIONS

ICICI Lombard General Insurance Company launched Indias first index -based insurance to protect farmers from weather-related risks. Through a transparent and easy to administer rainfall-index, ICICI Lombard General Insurance Company reduced transaction costs, enabled quick payouts and made insurance and its benefits more accessible to small and marginal farmers. THE CHALLENGE Weather risk is the predominant source of income fluctuations in rural areas and weather-induced crop failures, primarily from rainfall deficit, lead to significant losses for farmers and the rural economy. Traditional agricultural insurance schemes to protect farmers from such risk had several drawbacks including complex methodologies to assess loss, a long claim settlement process, and high administrative costs, which increased the price of insurance and thus prevented small and marginal farmers from investing in risk mitigation mechanisms. THE INITIATIVE The Social Initiatives Group of ICICI Bank jointly with ICICI Lombard General Insurance Company and the World Bank developed Indias first index-based insurance product. This insurance serves to protect Indian farmers from inadequate rainfall as determined by a rainfall index. The product was rolled out through a pilot project in the Mehboobnagar district of Andhra Pradesh through the Krishna Bhima Samruddhi (KBS) Local Area Bank, promoted by BASIX. THE RESULTS Reduced exposure to weather risk for farmers

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Led to a completely new category of weather insurance products being offered by ICICI Lombard and eventually by other Indian insurance companies Over one million weather insurance policies have thus far been sold.

Finance
C) POVERTY ALLEVIATION THROUGH ICICI GROUP COMPANIES

Since the year 2000, ICICI Group has been engaged in a systematic effort to address the challenges of access to finance. Over the last decade, ICICI Group has had a significant impact on virtually every aspect of Indias expansion in access to finance. ICICI Bank ICICI Bank has partnered with Unique Identification Authority of India (UIDAI) for a pilot in Hazaribagh, Jharkhand. Under this pilot, enrollment and opening of Aadhar enabled bank accounts was undertaken and the testing of transactions has been successfully completed. ICICI Bank and ICICI Foundation participated in RBIs outreach programme at Doba village in Jharkhands Lohardagga district. The outreach programme sought to raise awareness about financial inclusion and banking opportunities available to people in rural areas. ICICI Bank has formulated a financial literacy programme that educates customers on the basics of finance. The Bank conducted financethemed street plays in Jharkhand and will extend the programme to other parts of the country. ICICI Bank has also been chosen by the Bill and Melinda Gates Foundation as one of the five international banks for their Gateway Financial Innovation for Savings project to promote useful savings behavior by poor. ICICI Prudential

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ICICI Prudential Life Insurance Company provides micro-insurance to Indias low-income population, as a part of a socially responsible business model. Its micro insurance product for people in rural areas, Sarv Jana Suraksha, provides insurance for a minimal premium of only ` 50 per annum. ICICI Prudential has successfully piloted a unique poverty-alleviation project in collaboration with the Micro Insurance Innovation Facility of the International Labor Organization. The project reaches out to the tea workers in Assam. ICICI Prudential has also set up and nurtured a Community Video Unit, JAWA at Dimakusi in Assam with Video Volunteer, an NGO. The unit produced videos, conducted several screenings, campaigns and street plays, which educated 2,000 households on preventive measures against malaria, educated 45,000 workers on financial savings and trained 45 tea workers on financial literacy who then conducted ten mass awareness campaigns covering 10,000 workers. ICICI Lombard ICICI Lombard General Insurance Company has partnered with several central and state government ministries/agencies to offer insurance coverage under various schemes of the government. Under the Rashtriya SwasthyaBimaYojana (RSBY), below poverty line workers in the unorganized sector in Uttar Pradesh, Bihar, Odisha, Gujarat, Maharashtra, Haryana and Punjab have been covered for health insurance. Biometric smart cards issued to each family capture biometric details of the family and the beneficiaries can check the balance sum insured family details, policy details and coverage at any time during the policy period. ICICI Lombard has also provided a unique health insurance product for weavers and their families. Over 1.6 million families have been covered through this scheme. A special policy to provide health insurance to women involved in silkworm cultivation and their families is also operational. ICICI Lombard is also working with a number of financial intermediaries to deliver weather insurance solutions for farmers through Weather Based Crop Insurance Scheme (WBCIS). Till date, ICICI Lombard has insured close to 2.8 million hectares of land and 28 crop varieties through the WBCIS product.

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EMPLOYEE VOLUNTEERING:
BLOOD DONATION DRIVES

Starting in March 2011, ICICI Foundation gave ICICI Bank employees the opportunity to save lives during the time it takes for a tea break. At the blood donation drive held at ICICI Bank corporate headquarters in Mumbai, employees were able to do their part to help bridge the gap between the nine million units of blood India requires every year and the seven million it collects. The three-day blood donation drive drew an overwhelming response with over 600 employees donating. Based on this success, ICICI Foundation will be holding blood donation drives at other ICICI Group offices in India, beginning with more drives in the Mumbai metropolitan area. ICICI Foundation aims to organize the drives on a regular basis between May and August when most blood banks face shortages. Blood donation provides an ideal platform to engage employees and fulfill community needs since it can done in any location and only requires 15 minutes per donor. To date, almost 1,400 employees have donated blood. To make all employees aware that blood donation is a safe and worthwhile practice, in the weeks leading up to the drive, ICICI Foundation shared information
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to dispel common myths and explain the realities of donating its safe, easy, and every donation can save three lives. ICICI Foundations partnership with the State Blood Transfusion Council (SBTC) will ensure that every blood donation event meets the highest hygiene and comfort standards. You dont have to be an ICICI employee to contribute! Anyone can contact the Sir J.J. Mahanagar blood bank at 022-23735585 in Mumbai or the local blood banks in your city to find out about blood donation.

FINANCIAL LITERACY FOE YOUTH

ICICI Bank has recently begun an employee volunteering programme in which ICICI Bank employees lead financial literacy trainings to youth. ICICI Foundation has created customized and innovative learning materials for the 10-hour course that covers all the financial basics. The programme is currently underway in Mumbai and Jaipur.

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