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India’s next social protection is care, not cash

India’s social protection story is often told through scale. We have built large platforms to deliver food, cash, pensions, and services to millions. But there is a quieter crisis that these platforms still do not fully address, the daily realities of older people who live alone, are socially isolated, or struggle with chronic illness and limited mobility.

India is rapidly ageing. The number of people aged 60 and above will rise from 149 million in 2022 to 347 million by 2050, which will be over one-fifth of the population. A pension can prevent hunger, but it cannot address loneliness, ensure medicines are taken on time, or help someone reach a clinic. As India ages, social protection must move beyond cash transfers to care, something long treated as a private family responsibility.

Global evidence shows that societies that age well do not rely only on hospitals or families. They build a community layer of support. The World Health Organization calls this long-term care, not just nursing homes, but a continuum of home and community support that helps older adults maintain functional ability and dignity.

India does not yet have such a system at scale. But it does have something equally powerful: a nationwide network of women’s collective institutions that already reach the last mile.

A familiar platform for a new mission

Self-help groups (SHGs) are among India’s most successful state-supported institutions under the National Rural Livelihoods Mission (NRLM). Today, they bring together over 102 million women into more than 9.2 million groups across India. They are trusted, locally rooted, and experienced in last-mile delivery, whether it is financial inclusion, enterprise promotion, nutrition, or convergence with government schemes.

The missing layer of care

NRLM has already expanded into areas of food, nutrition, health, and sanitation through its interventions. These systems mobilize households, facilitate access to services, and enable convergence with frontline workers such as ASHAs and Anganwadi workers.

However, what remains largely missing is a structured layer of continuity of care.

Current systems are effective in awareness and service linkage, but they are episodic. They do not provide sustained support such as regular check-ins, monitoring of functional wellbeing, or ongoing assistance for individuals who require continuous care. This gap is particularly visible among elderly individuals living alone or in migration-affected households, where the challenge is not only access to services, but consistent, trust-based engagement.

India does not need to build a new system from scratch. It needs to extend the one it has already built.

Building a care layer on existing systems

India should use the SHG platform under NRLM to create a new layer of social protection: community-based elder care delivered through trained SHG members and existing cadres, linked to local health systems.

NRLM’s strength lies in its structured community institutions and cadre-based approach, which enable regular, last-mile interaction at scale. The design challenge, therefore, is not to create a new parallel cadre, but to build on these existing structures.

Community cadres can be equipped with additional tools and protocols to support basic care functions. This could include regular check-ins for vulnerable elderly individuals, early identification of risks, assistance with accessing entitlements, and facilitation of linkages with health systems. The role remains non-clinical, focused on care

coordination and functional support. Embedding this within the FNHW platform ensures that care becomes part of a broader wellbeing agenda, rather than a standalone intervention.

Importantly, this approach fills a clear functional gap. While ASHAs, Anganwadi workers, and ANMs are critical for health and nutrition service delivery, they are not structured for sustained, non-clinical engagement such as regular social check-ins, functional assistance, or long-term follow-up. NRLM’s community institutions are better positioned to provide this continuity.

From pilots to scale

India already has working precedents. Models such as Pune’s Vriddha Mitra and Kerala’s Kudumbashree show that community-based elder care can be organised, skilled, and delivered. The next step is to treat it as a core social protection function and design it for scale.

A phased, targeted approach is a practical starting point. The greatest need is in migration-prone and remote areas, where older adults face isolation and limited access to services. Prioritising such geographies allows the model to be tested where need is highest.

At the same time, rural India is not uniform. The approach must be guided by local realities, identifying where support gaps exist and building accordingly.

A solution with multiple dividends

A community care layer delivered through SHGs can deliver benefits far beyond elderly welfare:

First, it closes a major gap in the safety net. Pensions protect consumption, but not daily functioning. Without support for mobility, treatment adherence, or access to services, many older people remain effectively unprotected.

Second, it creates dignified local jobs. Formalising care through SHG cadres turns unpaid work into trained, paid roles for women, making this a livelihoods intervention as much as a welfare one.

Third, it reduces avoidable strain on the health system. Many hospitalisations among older adults stem from missed follow-ups and late referrals. A well-run cadre improves adherence, flags early warning signs, and closes referrals, which is far cheaper than treating complications.

Fourth, it addresses loneliness and mental health. Social isolation affects many older adults, and regular check-ins can restore dignity and a sense of belonging. From a cost perspective, this model is viable because it builds on existing systems, keeping costs relatively low compared to facility-based care.

Designing for sustainability

For this to work, care must be treated as a core function, not an add-on. It requires trained cadres, clear roles, supervision, and predictable compensation, which NRLM is well equipped to support. There are risks, including overburdened workers, uneven quality, and coordination challenges, but these are manageable within a system that has scaled complex interventions before.

India has shown it can reach the last mile. The next step is to ensure social protection safeguards not just incomes, but dignity, functional ability, and wellbeing. The foundation exists. What remains is to build the missing layer of care.

This was first published on 6th April 2026 by The Hindu businessline and  The Hindustan Times.

The missing link for agents: A review of agent grievance resolution systems in India

India has strong customer grievance resolution systems. Yet, a critical gap persists for business correspondent (BC) agents, who lack formal mechanisms and rely on informal channels. This contributes to ecosystem stress. BC transaction growth has slowed to 7.3%, and village-level agents have declined by 5%. 15% to 20% become dormant annually due in part to unresolved issues.  Our report introduces the SCORE framework to address this issue. It assesses grievance systems across integration, accessibility, organizational ownership, responsiveness, and use of feedback.

Resilient farming in the digital age: Overcoming AgTech adoption challenges in Africa and Asia

At MicroSave Consulting (MSC), we examine the key challenges limiting AgTech adoption across Africa and Asia, despite its strong potential. In this webinar, we bring together experts to share practical insights on bridging financing gaps, strengthening trust through intermediaries, and improving farmer-centric design. The discussion also highlights the role of policy and digital infrastructure in enabling scale. Our focus is on identifying clear, actionable steps to drive sustainable impact in digital agriculture over the next few years.

How digital reforms in food subsidy settlements can speed up intergovernmental transfers in India

India’s food subsidy system supports nearly 800 million people, but delays in account settlement between Center and states create fiscal risks. In 2023, MSC engaged with the Department of Food and Public Distribution (DPFD) and multiple state governments to diagnose the challenges and address them. Fragmented workflows across settlement phases, weak accountability, and limited transparency are at the root of these delays. This note presents the digital governance reforms that emerged from this engagement, such as process reengineering, system digitization through a centralized portal, and standardization of cost calculations. It also demonstrates how these reforms can reduce turnaround times and strengthen fiscal discipline for large-scale welfare programs. 

The missing half of digital health: Exploring pathways for AI to scale in LMIC health systems

Over the past decade, health ministries in many low- and moderate-income countries (LMICs) have experimented with a new generation of AI tools in everyday healthcare settings. In Pakistan, India, and parts of Sub-Saharan Africa, AI systems are being tested to help screen patients for tuberculosis. Hospitals in Kenya and Bangladesh have begun testing algorithms that flag pregnancies at higher risk of complications. In Nigeria, primary health centers have piloted digital tools that offer guidance during clinical decisions. Many of these experiments have produced promising results, which prove that the technologies work. Yet very few have moved beyond the pilot stagea fate similar to digital health tools. 

The challenge has been the system rather than the technology, a reality the global health community has been slow to acknowledge. This phenomenon, described in the digital health literature as pilotitis, is widespread across LMIC health systems. Pilots are plentiful, but integration into existing health systems is rare. Many innovations show strong results under short-term donor funding, only to collapse once that support ends. The technology itself may remain viable, but for lasting impact, server space continuity, re-skilling of staff, and financial planning are important pre-requisites. 

This gap between promising pilots and real-world scale is not unique to health systems. Across industries, most AI initiatives struggle to move beyond proof of concept. Industry estimates indicate that nearly a third of generative AI projects may be abandoned after the pilot stage due to unclear value or implementation barriers. 

The uncomfortable truth is that most of the scaling frameworks applied in LMICs were designed for high-income health systems with different infrastructure, institutional maturity, and health worker profiles. These frameworks often fall short in LMIC settings, which highlights the need to develop approaches customized to their own realities. 

Why the standard playbook fails 

In practice, the dominant approach to AI in health has been to build technology outside the systems it is meant to serve. They are built generally in high income countries, tested in donor-funded pilots, and validated under controlled conditions. They are then handed to a public health system that had no meaningful involvement in their development. This model has consistently struggled at the scaling stage, and the reasons are well-documented. The IBM Watson for Oncology is a pertinent example. Trained on data from a US cancer center and deployed across hospitals in India, Thailand, and South Korea, it collapsed in practice because its recommendations were clinically incompatible with local health systems that had no role in shaping it. 

Several systemic constraints limit the ability of AI tools to scale within LMIC health systems. The first constraint is connectivityMany AI tools assume reliable broadband and stable digital infrastructure. These conditions are often absent in rural areas, where much of the disease burden in LMICs is concentrated. One example is the real-world deployment of an artificial intelligence tool for chest X-rays. Recurring incompatibilities between the AI software and existing X-ray equipment were documented due to differences in image formats and acquisition protocols. 

The second constraint is the digital maturity of health workers. It receives the least investment and has the most optimistic assumptions. Frontline workers are often highly skilled at navigating community health and adapting clinical practice under resource pressure. However, their experience with digital tools is recent, uneven, and layered on top of workflows that have not changed significantly since the paper register. An AI system that requires new data entry habits or needs health workers to interpret model outputs without sustained support will not be used consistently, regardless of performance. 

The third constraint is data. LMIC health information systems are fragmented, mostly built to serve government reporting cycles rather than clinical decision-making. An AI tool trained on data from Nairobi will not perform with the same accuracy in rural Kenya, let alone in a different country entirely. 

The fourth, and most structurally dangerous, constraint is funding design. Most pilots operate within short-term donor funding cycles. Scaling a digital health intervention into the national infrastructure requires sustained investment for many years. When funding falls short, the intervention stalls before it can reach scale. 

Workable pathways 

The first pathway is to design specifically for the constraints that LMICs face. AI tools must function offline, operate under low-bandwidth conditions, and work across a wide range of devices. For example, computational power (commonly referred to as compute) is a binding constraint that rarely features in pilot design. Cloud-based AI inference requires reliable internet and ongoing server costs that few LMICs can sustain at scale. High-income health systems often treat the compute infrastructure, such as stable cloud access, sufficient processing power, and manageable API costs, as background conditions. 

Systems must actively plan their AI tools for use in low-resource settings. One option is the use of Small Language Models, or “small AI”, which is lightweight, locally deployable models that run on low-cost devices without cloud connectivity. Large-scale AI systems may deepen existing inequities by perpetuating bias due to underrepresented LMIC populations in their training data. Small AI offers a more viable and contextually appropriate alternative. The TB detection tools with the greatest durability at scale ran on laptops without internet access and integrated with mobile X-ray units in remote communities. These include CAD4TB deployments in Pakistan and Bangladesh. Features, such as voice interfaces for workers with limited text literacy and outputs aligned with decisions made by community health workers, were found to be contextually superior.  

Task-specific small language models (SLMs) trained on locally representative clinical data and deployable on low-cost hardware represent one of the most underleveraged opportunities in Health AI for LMICs. Unlike general-purpose models that depend on cloud connectivity and commercial APIs, sovereign SLMs for narrow use cases like TB X-ray interpretation or high-risk pregnancy detection can outperform larger models on the tasks that matter, while keeping data governance and long-term costs firmly in government hands. 

Based on this agenda, MSC (MicroSave Consulting) cofounded the Alliance for Inclusive AI with BFA Global and Caribou. We are committed to developing practical “small AI” solutions that expand opportunity for underserved communities across the Global South. 

The second pathway prioritizes the digital readiness of health workers, way before deployment begins. This begins with an honest assessment of baseline digital capacity before implementation, led by health ministries. This would entail a phased rollout starting in facilities with higher digital literacy, generating evidence and frontline champions, then expanding to the periphery with those champions as peer trainers.  Thus, frontline workers would actively help design tools. 

The third pathway is data governance from the outset. Governments that launch AI pilots must establish data ownership, consent frameworks, and interoperability standards before deployment. These foundations must be in place before the pilot has generated a dataset that becomes proprietary to an external developer. India’s Ayushman Bharat Digital Mission, even as it continues to mature operationally, represents a serious effort to build the data architecture that AI-enabled health systems require. The lesson for other LMICs is to invest in this infrastructure before the AI tools arrive. 

The fourth pathway is to plan the government financing transition early. Every pilot should include a clear and costed pathway for integration into public budgets well before donor funding expires. Governments must engage finance ministries early, show value through the cost per disability-adjusted life year (DALY) averted, and negotiate innovation-friendly procurement frameworks, especially at provincial or state levels. When governments plan this transition early, AI-enabled tools offer the potential to reduce cost per patient reached and strengthen the evidence base for more informed healthcare budget allocations at national and sub-national levels. 

The fifth pathway is a regulatory architecture that enables responsible and timely deployment. Many LMIC ministries lack comprehensive AI-specific regulatory frameworks. In such cases, waiting for a fully developed framework can stall useful innovations. Regulatory sandboxing, time-limited conditional approvals tied to post-market surveillance, and regional regulatory harmonization frameworks adapted from pharmaceutical precedents offer pragmatic mechanisms to introduce AI tools and maintain safeguards. 

The sixth pathway, and the most underused, is LMIC-to-LMIC learning. Contexts that share infrastructure constraints, workforce realities, and regulatory gaps are better positioned to learn from each other than from high-income systems where these conditions do not exist. Structured knowledge exchange, supported by regional bodies, offers a more grounded and transferable basis for scaling than imported playbooks ever could. 

Figure 1: Six pathways for governments to move from health AI pilots to population-level impact 

The way forward 

The global health community has invested considerable effort to show that AI tools can operate in low-resource settings. Much of the evidence is promising, and technology itself is not the main obstacle.  

The challenge lies in the systems into which these tools must be introduced, as health systems are complex institutions and not controlled environments. Scaling a technology requires infrastructure to support it, workers who can use it confidently, data systems that can provide reliable inputs, governance structures that can regulate it, and public budgets that can sustain it. In many LMIC health systems, these foundations must be deliberately built.  

This is a familiar lesson. Expanding coverage without governance produced the paradox we see in health insurance systems across the Global South. Pilots without pathways will produce the same paradox in AI health systems. 

Success will therefore depend less on the number of promising pilot projects and more on the conditions that enable scaling. Governments that invest early in infrastructure, workforce readiness, data systems, and financing arrangements will be better positioned to move beyond experimentation.  

Launch of the Equity Economics Forum to advance the agenda for equity in the Global South

New York, March 16, 2026: Smriti Zubin Irani, Founder and Chairperson of the Alliance for Global Good, Gender Equity and Equality and former Union Minister for Women and Child Development, has launched the Equity Economics Forum (EEF) in New York. The new platform aims to promote equity-centered economic policies across the Global South by placing equity at the core of macroeconomic and fiscal decision-making.

The Forum was launched on the sidelines of the 70th Session of the Commission on the Status of Women, positioning it as a citizen-led cooperation platform focused on strengthening collaboration among Global South countries. The initiative seeks to move equity considerations from the margins of social policy to the center of economic planning.

The launch event brought together leaders and experts from India, Kenya and Indonesia, highlighting the Forum’s Global South focus. Representatives from multilateral institutions and global organizations—including the United Nations, the World Bank, the Food and Agriculture Organization, international NGOs, academic institutions and private sector organisations—also participated in the event.

Speaking at the launch, Smriti Zubin Irani said, “Women-owned businesses today in the Global South face a credit gap of one trillion dollars. The business case for investing in women particularly exists in the Global South. The question is: when profit is to be made and equity made available by design, why the gap? And this is what we seek to answer through the Equity Economics Forum.”

She further added, “By 2050, the Global South is expected to account for 80 per cent of the world’s population. We must deliver on issues of equity and economics. By creating a shared cooperation platform, the EEF aims to help Global South countries move beyond fragmented, country-by-country approaches to equity-oriented budgeting and build a stronger collective voice in reshaping global fiscal thinking.”

The event featured a keynote address by Harriette Chiggai, Women’s Rights Advisor to the President of Kenya, and a special address by Arifah Choiri Fauzi, Minister of Women Empowerment and Child Protection, Government of Indonesia. Sonal Jaitly, Global Lead for Gender Equality, Disability and Social Inclusion at MicroSave Consulting (MSC), also presented the framework of the Equity Economics Forum.

The Forum has been established under the leadership of the Alliance for Global Good, Gender Equity and Equality, in partnership with the Women’s Collective Forum. MicroSave Consulting (MSC) will serve as the knowledge partner and secretariat.

EEF will operate through four core pillars—Skills, Technology, Economy and Health—and aims to bring together governments, development institutions, civil society organisations and private sector leaders. The platform is expected to support policy dialogue, knowledge exchange and collaborative solutions that advance equity-led economic development across Global South nations.

This was first published in “The CSR Universe” on 16th March 2026.

This was also published on “BWPeople”.