Business Correspondent Sakhi strategy, UP, India

• Aug 13, 2025
• 2 min

MSC supported the Uttar Pradesh State Rural Livelihoods Mission (UPSRLM) to design and strengthen an efficient strategy to scale the BC Sakhi program across all 57,695 gram panchayats (GPs) in the state. The objective was to build a comprehensive, scalable, and sustainable model to ensure last-mile delivery of financial services, especially to underserved rural communities.    

Through our approach, we identified gaps and best practices in existing BC Sakhi models, drawing from innovations in other states, and tailoring them to Uttar Pradesh’s unique socioeconomic context. MSC led a structured three-phase process—identification, assimilation, and pilot implementation—to enable effective adoption of new strategies. This included detailed stakeholder consultations, readiness assessments, and the development of capacity-building frameworks, operational roadmaps, and institutional mechanisms for efficient implementation.  

The strategy incorporated systems for real-time performance monitoring, cross-functional coordination, digital integration, and adaptive learning. These elements were designed to enhance transparency, accountability, and the long-term sustainability of the BC Sakhi ecosystem. MSC also contributed to the digital transformation of the program through technical assistance support to help develop the BC Sakhi mobile app and web portal, which streamlined onboarding, training, and performance tracking.  

Through these strategic interventions, MSC played a pivotal role in supporting UPSRLM to build one of India’s most ambitious rural financial inclusion programs, which positioned women as agents of change and ensured financial services are accessible at every gram panchayat. As a result, the BC Sakhi program has achieved significant operational milestones. More than 40,000 BC Sakhis have been successfully onboarded and trained, and serve more than 120 million rural residents across Uttar Pradesh.