Digitising ASHA payments to deliver what’s due, faster and with full transparency
Claim processing time reduced from 120 days to just 4–5 days
Redesigning NRLM’s data architecture to power SHG governance at scale
NRLM Core Data System (LokOS Platform)
CDFI supported the National Rural Livelihood Mission (NRLM) in developing a robust, microservices-based core data system to capture, store, and manage real-time data from India’s vast SHG ecosystem. Funded by the Gates Foundation, this nationwide project overhauled NRLM’s legacy architecture, enabling performance monitoring, digital transactions, and structured reporting across multiple stakeholder groups, from grassroots to central governance.
75,000+
+
Gram Panchayats covered
82+
+
Cr SHG members benefited
Region
Across India
Start Date
October 2019
Status
Completed
Lead Partner
National Rural Livelihood Mission, Ministry of Rural Development
Benefeciaries
SHG Members, Bookkeepers, SHGs, VOs, Mahila Kisans, NRLM Cadres, Village Entrepreneurs
A scalable, modular core platform that streamlines real-time data capture and empowers NRLM to drive better livelihood outcomes for 82+ million women.
NRLM Core Data System (LokOS Platform)
CDFI designed and developed NRLM’s LokOS platform as a modern, scalable, API-driven system to manage the complexity of India’s SHG data. The platform enables decentralised data entry, ensures consistency through standardised formats, and powers dashboards for real-time decision-making. Designed to replace legacy systems and reduce reliance on manual processes, LokOS is built to serve as the foundational digital layer for NRLM’s future initiatives
Success of our implementation of LokOS
India's National Rural Livelihoods Mission is one of the largest poverty alleviation programs in the world. But its data architecture was not built for the scale it had grown to. LokOS changed that, giving the mission a digital backbone capable of capturing and managing the financial lives of 82 million+ Self Help Group members, with the transparency and reliability that a program of this scale demands.
Nationwide Rollout with Impact
75,000+ gram panchayats and 7.5 million SHGs now connected via a unified, scalable data system.
SHG Profiles Live Across India
The SHG profile and transaction modules have been piloted and scaled across the country, bringing consistency to member records and financial activity.
Modular Systems for Multiple Missions
LokOS includes modules for Producer Groups, Cadre Development, Training Management, and Project Monitoring, all developed and handed over to NRLM.
Built for scale. Handed over for sustainability.
Trained for Ownership
Extensive trainings have been conducted for NRLM and state-level officials to ensure smooth transition and long-term ownership of the platform.
Data from the Ground Up
Bookkeepers, cadres, and SHG-level users are now contributing real-time, high-quality data, making the system truly field-driven.
Designed for Long-Term Use
Built using a scalable, modular architecture, LokOS is ready to support future NRLM initiatives and integrate seamlessly with external systems.
Features of the Implementation
Microservices-based data architecture
API-first platform for modular expansion
Real-time data capture at source (via SHG bookkeepers and cadres)
Configurable modules for training, monitoring, reporting
Dashboards for performance tracking and fund management
Role-based access for central, state, and field-level users
Benefits of the Implementation
Reduces manual data entry and errors
Builds trust in MIS data for better decisions
Enables monitoring at block, district, and national levels
Provides a standardised, flexible platform for future expansion
Empowers SHG members, bookkeepers, and local teams with tech tools
How the solution bought an impact of scale
Pregnant and lactating mothers benefitted
15
MN+
Pregnant and lactating mothers benefitted
15
MN+
Pregnant and lactating mothers benefitted
15
MN+
Awards and Recognitions
Research
Meghalaya government won the Skoch Award. The award was won in theGold category to Improve Social Parameters’ in the state’s South West Garo Hills region.
Research
Meghalaya government won the Skoch Award. The award was won in theGold category to Improve Social Parameters’ in the state’s South West Garo Hills region.
Research
Meghalaya government won the Skoch Award. The award was won in theGold category to Improve Social Parameters’ in the state’s South West Garo Hills region.
Research
Meghalaya government won the Skoch Award. The award was won in theGold category to Improve Social Parameters’ in the state’s South West Garo Hills region.
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