1) Financial literacy and opening of individual bank accounts : As part of Financial Literacy Campaign, it is proposed to first identify CDSs with bank linkage of less than 25% and less than 50% and then to identify all potential NHGs in these CDSs for Bank Linkage. Bank linkage and Bank Account Opening Camps will be conducted in these CDSs. Training will be provided to financial CRPs/Master Trainers who in turn will lead the campaign. 2) Sensitization and training of bankers : In order to ensure support of Banks in achieving the bank linkage target, Bank Managers will be trained with the support of Lead bank, NABARD, public and private sector banks. 3) Provision of interest subvention to all eligible NHGs : During the FY 2017-18 it is expected that 35,000 NHGs would be accessing interest subvention. 4) Capitalization of SHGs, VOs and CLFs (RF and VRF) : Kudumbashree proposes capitalization of institutions of poor as resources in perpetuity; to strengthen their institutional and financial management capacity and to build their track record to attract mainstream bank finance. As part of capitalization, Kudumbashree will provide, • Revolving Fund (RF) to NHGs at the rate of Rs.10,000 - 15,000 as corpus to meet the members’ credit needs directly and as catalytic capital for leveraging repeat bank finance. RF is given to SHGs that have been practicing ‘Panchasutra’. It is proposed to provide Rs. 1500 lakh as RF to 10000 NHGs. • Vulnerability Reduction Fund (VRF) to NHG Federations at Village level to address vulnerabilities like food security, health security etc., and to meet the needs of the vulnerable persons in the village. It is proposed to provide Rs. 375 Lakhs as VRF to 2500 NHGs. (For monitoring progress, see the 'Micro Finance' section)