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Swadhaar focuses on segments that fall between the traditionally bankable and the ultra-poor populations targeted by government and non-profit initiatives. Because many slum-dwellers/ unregistered enterprises do not definitively qualify for either segment, they remain excluded from both full financial access and social aid programs.
Swadhaar's focus when serving this segment, in addition to providing financial access for business expansion, is to empower these women to improve their livelihoods, build on their capacities and ultimately become self-reliant.
In addition to the two segments described above, Swadhaar is continually exploring opportunities to serve other financially excluded, low-income populations in India.