Institutionalizing Financial Inclusion: A Policy Review of Bihar’s JEEViKA Framework (2006)

The Bihar Rural Livelihoods Project (BRLP), locally branded as JEEViKA, was conceived in October 2006 by the Department of Rural Development, Government of Bihar, with World Bank backing (BRLPS, 2026). Initially launched as a pilot across six impoverished, climate-vulnerable districts targeting 1.5 million households, its original mandate was narrowly focused on poverty reduction through women's collectivization—organizing rural women into SHGs to build savings discipline, internal lending, and financial literacy (World Bank, 2020). At this stage, JEEViKA functioned as a limited, World Bank-funded pilot with no mandate to implement a national mission (World Bank, 2020).





