Every citizen has a right to participate and benefit from national economic development. However, for most women, this right is denied because of their lack of economic self-reliance, access to employment and appropriate working conditions, and control over economic resources, land, capital and technology, the removal of all obstacles that hinder women's economic empowerment to enable them to enjoy their economic rights and achieve equality in access to, and participation in economic structures and policies, the Andhra Pradesh Women’s Cooperative Finance Corporation has a transformational development agenda, and operates from shared principles and values.

The Corporation believes that poor women are dynamic economic agents, not passive beneficiaries of social services, and that successful economic development has women as its focus. Corporation shares commitment to building financially sustainable integrated services for rural women. It supports local initiative, and trust that local practitioners and institutions are best able to decide the right service, as well as the most appropriate delivery mechanisms, that will move the rural women from survival to growth.


The Govt of Andhra Pradesh has made impressive progress in implementing a wide spectrum of social sector and community development schemes to help various weaker sections in partnership with the people of the state. The statement of the Govt accords priority to the women participation in economic development by providing various measures.

AP Women’s Cooperative Development Corporation Ltd. (APWCDC) popularly known as Women Development Corporation of Andhra Pradesh for the rest of India is a Government of Andhra Pradesh undertaking and functions as a part of the Department of Women Development, Child and Disabled Welfare was established in the year 1975 registered on 18/03/1975 wide T.A.No.693/75 under the provision of section 7, of AP Co-operative societies Act.1964.with the aim of empowerment of women on the eve of International Women’s Year.

AP Women’s Cooperative Development Corporation Ltd. (APWCDC) being the front –runners in promotion of economic activities among the rural women in Andhra Pradesh, selects poor rural women in the districts of Andhra Pradesh through their Mahila Vikasa Kendrams (Women Training Centers) and provides skill development training in marketable trades with the support of A P State Govt, NABARD, SIDBI, and Govt of India through the Women & Child development department under different schemes, for promotion of different traditional and nontraditional economic activities among the poor and deprived women.

All the Mahila Vikasa Kendrams are housed in 10 to 12 acres of land with well equipped training equipment, stay and boarding facilities, and administrative set up. These Resource Centers are the overall development of women in the district. In practical terms this means creating an environment that will help a low income woman to build her business, improve her living conditions, keep her family well-fed and healthy, educate her children, develop respect at home and in her community, and secure a political voice. Being a Proactive responsive Institution towards the women need over the years has being taken many activities that facilitate the holistic development of rural women.

Core activities of the Corporation:

-Structured capacity Building trainings to rural Women through Mahila Vikasa Kendrams.
-Management and Construction of Working Women’s Hostels
-Coordination of NGOs programmes
-Marketing and
-Micro Finance


Structured capacity Building trainings to rural Women through Mahila Vikasa Kendrams

The structured Integrated approach of trainings given through these Mahila Vikasa Kendrams in the State consists of basic Skill Up gradation through Vocational Training Programmes ,Entrepreneurial ship Development Programmes/Sensitization Programmes, Demonstration Programmes, Production Units, , Incubators, Mother Units, Nursery and Horticulture, Marketing and Business Counseling Centers.

The other major intervention and support programmes taken up through these centers are Residential bridge Schools for Girl Child Labour Rehabilitation, Anganwadi Training Center (AWTCs) for refresher course to the field functionaries of Woman Development and Child Welfare Department.

Skill Upgradation Vocational Training Programmes:

Residential training is imparted in district specific trades with Market oriented syllabus/course contents using Wide variety of training methodologies such as Group discussions, role plays, panel discussions, interactive session, Field visits/exposure tours, Guest lectures, Personality development & spoken English courses linked up with employment Placement through self employment and wage employment.

The broad traditional and non traditional trades and courses so far taken up are
Traditional And Non Traditional Trades

Fashion Technology, Blcock Printing Plastic Wire Handicrafts,Hosiery, Lace Making (Ghanpur, And Narsapur),Hand Embroidery And Zardosi, Leather And Rexene Products, Jute Products, Foot Wear, Nursery Raising And Grafting Technology, Beauty Culture, etc

Computer Applications, Desk Top Publishing, Pre Primary Teachers Training, Community Health Workers, Multipurpose Health Workers, Printing Technology, Screen Printing, Electronic assembling, electrical appliances repairs and maintenance Canteen Management, House Keeping, Bee Keeping etc.

Entrepreneurship Development Programmes (EDP)/ Sensitization Programmes:
Entrepreneurial, managerial & accounting skills are imparted to the women trained in various vocational training programmes. Some of these programmes are conducted with assistance from NABARD under the REDP scheme and from other line department, dovetailing with various schemes PMRY, CMEY, SGSY, SGSRY etc.

Sensitization programmes to tackle the issue of gender discrimination and insensitivity towards women is conducted to field functionaries of various departments and women groups involving the line departments in the District such as Women Welfare Dept., Health & Family Welfare DPEP, Women Empowerment Dept., etc.

Demonstration Programmes:
Demonstration programmes are intended conduct one day exposure cum training in some trades like floral arrangements, embroidery, saree rolling bakery, fabric painting, pot painting, fast food, preparation of jam jellies, squashes etc. for the house wives.

Production Units:
The Production units have been set with a vision that they provide gainful employment to ex-trainees besides contributing for the self sustainability of Mahila Vikasa Kendrams to name a few Printing, Screen Printing, Bakery, Dress Making, Leather Articles, Soap Making etc. are functioning. (2) Major units - Off-Set Printing and Screen Printing units are functioning in the premises of Head Office.

Incubators have been setup with the equipment/machinery available in the Mahila Vikasa Kendrams to facilitate those women who have entrepreneurial skills but lack finance to set up their own units. It is available on nominal rent basis to encourage women entrepreneurs and women groups for starting their production prior to establishing their own units.

Mother Units:
Mother Units have been set up to facilitate those women who have the skill but lack entrepreneurial skills. These centers provide transfer of technologies, training to women, quality control and production techniques. Women manufacture the products in their households with semi finished raw materials given through these centers, and send them back for ultimate packing, pricing, branding and marketing.

Nursery and Horticulture
Every Mahila Vikasa Kendrams has 4 to 6 acres of land vacant for development for optimum utilization of vacant land Medicinal Plants, Fruit gardens, Flower orchids, Aquaculture, Nursery; Kitchen garden etc. are grown depending on the suitability of the soil.

Marketing Initiatives through Taruni Resource Center
Taruni Resource Center has been set up with a vision to create marketing platform to the products produced by rural women by providing and to give continuous skill up gradation and guidance, this would Eliminate Middlemen and improve bargaining power. Through this center Facility for design development and brand management, exposure to modern marketing and sales techniques would be provided through Exclusive workshops, seminars to buyer & seller meets. and exposure to social development aspects are also provided

Business Counseling Centers
These centers are established to provide information and guidance to women and assist them in forwarding their proposal for setting up enterprises as per the procedural requirements of various financial institutions.

The Other Major Intervention and Support Programmes Conducted through the Mahila Sisu Vikasa Kendrams
Residential bridge Schools for Integrated Girl Child Labour

Rehabilitation Programme:

This Programme is undertaken to mainstream the girl child Labour working with hazardous and non-hazardous industries and school dropout through the bridge school. Bridge course is conducted for 100 children per annum through each District center. These programmes are conducted with assistance from ILO and DPEP

Anganwadi Training Center (AWTCs):

These training centers imparting training to Anganwadi Supervisors, workers and helpers of ICDS projects

Bilateral Project
Corporation has also implemented a Bilateral Project Andhra Pradesh Training of Women in Agriculture and Allied Sectors (ANTWA):
Post Harvest Value Addition
and Enterprise Development project Aimed at promoting the holistic development of women, Small, Marginal & Land Less Agricultural labour by exposing them to relevant technologies and entrepreneurial skills for greater access to information and resources and technology in agriculture and allied sectors. The Project area 12 districts Srikakulam, Vizianagaram, Visakhapatnam, Prakasam, Chittoor, Cuddapah, Ananthapur, Kurnool, Khammam, Nalgonda, Warangal, and Rangareddy. Project was implemented during , 2001 to March, 2004 the Activities, were Capacity Building Training cum Production Centers (TCPCs) Construction of Haats and Institutional Buildings.

II. Construction and Management of Working Women’s Hostel (WWH)
With an intention of creating a safe and secured living accommodation for working women the Corporation had with the assistance of Government of India .(18) WWHs have been sanctioned and out of which 14 WWHs are completed. 10 WWHs are managed by WD & CW Dept., and 4 are managed by APWDFC. Construction of (4) WWH buildings are in progress.

III. Coordination of NGOs Programmes:
Corporation is the Nodal agency for Processing of NGOs proposals for setting up of employment cum income activities with the financial assistance of Government of India. As a nodal agency along with processing Implementation and Monitoring of the projects are also done.

IV. Micro finance Programme
Corporation felt that providing the economic sustainability of women through economic empowerment it was felt by the Corporation that mere imparting vocational training programs does not help women as they are not able to utilize the skills acquired as they fall under two broad categories, one those with trade skills but lack of financial support. The second category of women is the target women for consideration for the proposed Micro Finance Program.


Capacity Building through Vocational Training Programmes

No. trained(since 1987)


Entrepreneurship Development Programmes/Sensitization Programmes


Residential Bridge Course No. enrolled

Marketing Initiatives (Organize/Participation in Exhibitions) 801

Construction of Haat (marketing place) at Khammam No. of Stalls


Production Units at Head office at Mahila Vikasa kendrams



Working Women/Students in WWHs at Jubilee Hills,Kushaiguda and Nizamabad strength

267 Nos

Proposals submitted to Government of India (Sanction orders are awaited)

a) For construction of (2) WWHs by APWDFC (Rs. in lakhs)

b) For construction of (3) WWHs by NGOs (Rs. in lakhs)




• Developed Web Sites for the APWDFC Ltd.,

• Introduced Eletronic File Monitoring System through.

• Running (22) AWTCs

• Completed construction of Working Women’s Hostels at Karimnagar and Khammam.



The Corporation to disseminate the information on the various activities of the Corporation and the State level and the District level is publishing a monthly magazine TARUNI and also a web site and is also available with government portal also.



The objective of the Corporation is to achieve sustainable development and employment for women in order to ensure long term benefits that will usher women’s development has chalked out an ambitious plan to work in partnership with rural women to facilitate to improve their life standards by their own contribution has taken up new initiative in order not only to compliment the existing activities aimed at uplifting of women.

Corporation would achieve this novel partnership oriented goal by being a co - applicant in the women barrowings for establishing self sustainable viable long term projects which would not only create self employment to the women associated through these projects but also crate employment opportunities to many more women in the project area by availing financial assistance from banking and Financial Institutions.

The Innovative Partnership programmes are in the areas brief detailed below :

Setting up of Water Plants (Taruni Water Plants):
To supply safe drinking water and to overcome the water borne diseases prevalent among the rural areas it was felt that supplying of good quality water to all the needy persons is a pre requisite. At present the leading companies are getting huge profits as the production cost is to the tune of Rs.3/- per liter, where as the selling price is Rs.10/- to Rs.12/- per liter. The wide margin can be utilized for taking up empowerment activities for women. It is proposed to set up water plants in each district and market the treated water in bottles under the brand name “Taruni”. The marketing and distribution will be done through women groups, if necessary by obtaining autos are trucks through finance either from this Corporation or other financial institutions. In case the Corporation has to finance the autos and trucks, each plant will required 2 mini trucks and 2 autos. This intervention would not only improve the health of the rural people but would create employment to rural women.

Setting up of Taruni Facility Centers:
To facilitate women and to encourage rural women to utilize the information technology in a comfortable and secured environment it is proposed to set up 3000 Taruni Facility Centers, each center consists of one computer and laser printer, photocopier; fax machine, internet and telephone with STD/ISD facility.

Taruni Foods:
It is observed that there is good scope for improving the quality of the food items that are locally prepared to have a better shelf life and quality low cost easily adaptable technology is necessary for the small entrepreneurs who can be encouraged to improve the quality and packaging by making the technology inputs and finance accessible it is papooses to introduce the same through Taruni foods .

Taruni Outlets:
There are no. of tourist spots in the State of Andhra Pradesh where there is good potential for marketing the items produced by the women such as utility items , water bottles, snacks and bakery items etc. which would create employment self and wage to the rural women through this activity

Taruni Garments:
Through the market intelligent report the hosiery units and the ready-made garments have wide National and International market. The activity requires small changes in the technology and design and the same time this item of work provides huge employment to women. It is proposed to train the women and also provide necessary equipment and machinery, through these centers with market required interventions.

Taruni Marketing:
Corporation at present has production center for which markets are developed which has not been very successful hence It is proposed to de-link the production from the marketing activity. For this purpose marketing network is proposed, to be developed at Head Office and other centers, for developing the network and the infrastructure support

Taruni Farms:
To encourage community and integrated farming It is proposed to set up farm in each districts to an extant of 10,000 acres, which would be split into units of 50 acres for supporting 20 families. In these farms it is proposed to take up dairy, horticulture, apiculture and normal tree plantations. The plantation provides longterm employment where as other activities give immediate returns. It is proposed to share 50% of the returns with the beneficiaries which would in long run through these farm families could provide opportunity to more needy persons through expansion methods. The farms will also be earning the benefits from the carbon credits, and will thus serve for environment improvement.

Taruni Cold Storage
Keeping the huge post harvest losses due perishable quality of the agro based produces and non-availability of the cold storages the farmer has to incur heavy losses, as production costs will also not be realized to these losses. It is proposed to construct about 10 cold storages in different parts of the State depending on the requirement to facilitate the farm families

Taruni Power Projects
As it is proposed to develop water plants, resorts and commercial complexes, it is desirable to have captive power generation units instead of depending on the Diesel generators hence it is proposed to develop bio power plants.

Taruni Motels:
It is found that on many stretches of national Highways or State highways there is no proper place where motorists can have tea and snacks and food. If the Taruni farm is located on the roadside the same can support the Taruni motel/dhaba by supplying poultry products, milk and vegetables. The motels should also have general and utility items for the motorists.

Taruni Resorts:
In some of the town ships is hardly any area for recreation purposes and the up coming middle class population will be yearning for their entertainment and relaxation. It is proposed to set up 20 such centers to be called as “Taruni Resorts”. These resorts will contain gardens, Children Park, shopping complex and restaurants to target this sector of rural population.

Taruni Complex- Working Women’s Hostels:
To create a secure home away from their homes for the working women, hostels are not available in many towns and big villages, to fill this gap it is proposed to set up about 80 such hostels in the State with the occupancy of 50 persons in each. To create a congenial atmosphere a complex is proposed to be set up which would have all the facilities are provided with the complex along with the living arrangements a canteen, shopping complex containing beauty parlor, internet and communication center, general stories, laundry, stationery and Taruni Facility Center, GYM and medical center, apart from indoor game facility. The complex can be accessed by the inmates of the hostel as well as other working women in the area.

Taruni Finance:
Keeping in the recent trends in micro finances, a need was felt to develop a easy friendly non cumbersome micro finance programme to facilitate women to encourage to take up income generation activities and also to encourage to establish their own micro enterprises It is proposed to sanction loans to individuals up to Rs.50,000/- for taking up their vocational activity. The criteria for availing the loan would be that the women have not received any other loans from any other organizations and are not a part of DWCRA group. Preference is proposed to be given to beneficiary is linked to Vana Samrakshana Samithi, Sainik Welfare, Police Welfare etc. so that the loan amount can be recovered with least difficulty. The easy monthly installment is also be flexible so that the repayment in regular monthly installments.

Taruni ashray
This programme is intended to provide the basic humanitarian activity of providing shelter to destitute, orphans and street children. Due to various reasons children and young persons leave their homes in search of better avenues and as they come face to face with harsh realities they seem to be lost and do not know where to go. Their ego or guilt feeling will not allow them to go back to their families. These young persons, if they are female fall prey to the ‘flesh traders’ and end up in red light areas. And the boys may become vagabonds and resort to criminal activities or other such unproductive activities.

Taruni petro stations
Some petro corporations are encouraging women to venture into petro stations, by setting them up fully provided land is made available. The cost of the station is recovered in phased manner.

The Corporation would take up the above projects in Phased manner, with the support of women Partners and Financial institutions and Banks.


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