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National Space Day 2026: India’s Space Journey From Chandrayaan-3 to Gaganyaan 

Summary

  • National Space Day 2026 is observed on August 23 to commemorate Chandrayaan-3’s successful Moon landing in 2023.
  • Chandrayaan-3 made India the fourth country to achieve a soft lunar landing and the first to land in the Moon’s southern polar region.
  • India’s space ambitions are expanding from robotic lunar exploration to human spaceflight through Gaganyaan.
  • Indian astronaut Group Captain Shubhanshu Shukla’s 2025 Axiom-4 mission to the ISS provided valuable experience relevant to India’s human-spaceflight programme.
  • Gaganyaan requires advanced technologies for crew safety, life support, emergency escape, re-entry and astronaut training.
  • India’s space programme also supports everyday needs, including agriculture, weather forecasting, disaster management, communications and environmental monitoring.
  • The growth of India’s private space sector is creating a wider ecosystem of startups, researchers, manufacturers and entrepreneurs.
  • Future missions such as Chandrayaan-4 and plans for the Bharatiya Antariksh Station point towards increasingly ambitious space exploration.
  • India has also outlined a longer-term ambition of sending humans to the Moon by 2040.
  • National Space Day 2026 is therefore about more than past achievements. It reflects India’s ambition to build the scientific, technological and human capacity needed for the next phase of space exploration.

On August 23, 2023, millions of Indians watched a historic moment unfold. The Vikram lander of Chandrayaan-3 gently touched down on the Moon, making India the fourth country to achieve a soft landing on the lunar surface and the first to land in the Moon’s southern polar region. The Pragyan rover subsequently travelled across the lunar surface, conducting experiments and transmitting scientific data back to Earth. The achievement was particularly significant because it demonstrated the country’s ability to design, launch, navigate and land a spacecraft in one of the most technically demanding environments in space. 

It was this stride that gave August 23 a new place in India’s scientific calendar. The Government declared the date National Space Day to commemorate Chandrayaan-3’s landing. 

But by 2026, the meaning of the day has expanded. India’s space story is no longer only about reaching the Moon. It is increasingly about what the country can do once it gets there, what it can learn in orbit, and whether it can build the technological infrastructure required to keep humans in space. 

Introducing the Gaganyaan and new horizons 

Between 2023 and 2026, a lot has changed. Case in point: when Gaganyaan astronaut Group Captain Shubhanshu Shukla looked out of the window of the International Space Station in July 2025, India was no longer looking at space only through cameras and instruments. The Indian Air Force test pilot, who travelled to the ISS as part of the Axiom-4 mission, carried with him something larger than a national flag: years of preparation for India’s human spaceflight ambitions. During his 18-day mission, Shukla conducted scientific experiments in microgravity and gained practical experience that has relevance for India’s own human spaceflight programme. His journey was, in many ways, a preview of where India’s space programme is headed next

Shukla’s journey to the ISS occupies an important place in this transition. His Axiom-4 mission was not itself a Gaganyaan flight, but it offered Indian scientists and space officials an opportunity to study the realities of human spaceflight. His experience in microgravity, astronaut training, mission protocols and scientific experimentation provides a practical foundation for India’s own efforts to send astronauts into orbit. 

National Space Day 2026

The image of an Indian astronaut working aboard the ISS also represented a shift in how India’s space programme is imagined. For decades, the country’s space achievements were represented largely through rockets, satellites, spacecraft and scientists working in mission-control rooms. Shukla’s ascent to the ISS offered another promising image.

Shifts in policy and ambitions 

The shift from Chandrayaan-3 to Gaganyaan represents a fundamental change in the complexity of India’s ambitions on the space front. If we focus, then Chandrayaan and Gaganyaan represent two different stages of India’s space ambitions. The Chandrayaan missions are primarily about exploring the Moon through unmanned spacecraft. Chandrayaan-3, for instance, used the Vikram lander and Pragyan rover to reach the lunar surface, conduct experiments and gather information about the Moon. Gaganyaan, in contrast, is India’s human spaceflight programme, designed to send Indian astronauts into Low Earth Orbit and bring them safely back to Earth. This requires a fundamentally different set of technologies, including a human-rated launch vehicle, crew module, life-support systems, emergency escape mechanisms, parachutes and astronaut training. 

The transition from Chandrayaan to Gaganyaan therefore marks a shift in what India wants to achieve in space. Chandrayaan demonstrated that the country could successfully operate a spacecraft on another celestial body; Gaganyaan seeks to demonstrate that India can sustain human life in space. With human missions, the emphasis moves from robotic exploration and scientific observation to human safety, endurance, microgravity research and the development of a wider space infrastructure. In this sense, India’s space programme is moving from exploring space through machines to establishing the capability for humans to operate in space. 

This is also why Shubhanshu Shukla’s journey to the International Space Station is significant: his experience as an Indian astronaut working in orbit provides valuable knowledge as India prepares for its own crewed missions. His ascent in space is thus important in paving a way for more and more astronauts to advance space research in India. 

Paving a way to more imaginative future 

India’s space programme uses satellites not only for scientific research but also for applications that support governance, livelihoods and public services. Earth-observation satellites provide data for agriculture, forestry, water-resource management, land-use mapping and environmental monitoring. Satellite-based systems also contribute to weather forecasting, cyclone tracking and disaster management, television broadcasting, telecommunications and connectivity across geographically diverse regions. 

At the same time, India’s private space sector has expanded rapidly. More than 400 space startups had been recognised by the government by early 2026, reflecting a shift from a largely state-led space programme towards a broader ecosystem involving private companies, researchers, manufacturers and entrepreneurs. This expansion is pertinent because a mature space programme cannot depend entirely on government laboratories. It requires an industrial base capable of developing launch systems, satellites, components, software and other technologies at scale. The growing participation of private companies could therefore determine not only how many missions India can undertake, but also how competitive its space economy becomes. 

Gaganyaan is ultimately a bridge to a rather ambitious goals, towards a Bharatiya Antariksh Station, as a part of which we further human-spaceflight missions and increasingly sophisticated lunar exploration. Chandrayaan-4, for instance, is expected to move beyond simply reaching the lunar surface by attempting to collect lunar samples and return them to Earth. The longer-term vision is even more ambitious.

India has outlined plans for a crewed lunar mission by 2040, alongside the development of its own space station. These goals place the country within a new phase of global space exploration, one increasingly shaped not only by national agencies but also by commercial space companies and international partnerships. 

National Space Day 2026, therefore, is less a celebration of a mission but a marker of a changing national imagination. The question is now whether the benefits of its space programme can reach people far beyond the launchpad. But reaching that future will require more than just rockets and spacecrafts. Sustained investment in space infrastructure will need to be matched by investment in human capital. The next phase of India’s space journey, therefore, will be measured not simply by how far it can travel, but by whether it can create the scientific and human capacity to stay the course.

FAQs: National Space Day 2026

1. What is National Space Day 2026 in India?
National Space Day 2026 is observed on August 23 to commemorate the successful landing of Chandrayaan-3 on the Moon in 2023.

2. Why is Chandrayaan-3 significant for India?
Chandrayaan-3 made India the fourth country to achieve a soft landing on the Moon and the first to land in the lunar southern polar region.

3. What is the Gaganyaan mission?
Gaganyaan is India’s human spaceflight programme, designed to send Indian astronauts into Low Earth Orbit and safely bring them back to Earth.

4. How is Gaganyaan different from Chandrayaan-3?
Chandrayaan-3 was a robotic lunar exploration mission, while Gaganyaan focuses on human spaceflight. It therefore requires technologies such as crew systems, life support, emergency escape and human-rated launch systems.

5. Who is Shubhanshu Shukla and why is his spaceflight important for India?
Group Captain Shubhanshu Shukla is an Indian astronaut and Indian Air Force test pilot who travelled to the International Space Station as part of the Axiom-4 mission in 2025. His experience in astronaut training, microgravity and scientific experimentation offers valuable practical experience for India’s human-spaceflight ambitions.

6. How does India’s space programme benefit people on Earth?
Satellites support agriculture, weather forecasting, disaster management, telecommunications, environmental monitoring, land-use mapping, water-resource management and connectivity.

7. What are India’s future space ambitions?
India is working towards missions including Chandrayaan-4, the development of the Bharatiya Antariksh Station and a longer-term goal of sending humans to the Moon by 2040.

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Education

Coding, Robotics & Curiosity: Skills Children Build in a STEM Lab

Summary:

  • STEM education prepares children with practical, analytical and innovation-driven skills required for future careers.
  • Expanding STEM education in rural and underserved communities helps bridge educational inequality.
  • Teacher training, digital infrastructure and hands-on learning are essential for effective STEM education.
  • CSR partnerships and NGOs play a crucial role in scaling quality STEM education across India.
  • Inclusive STEM education supports gender equity while preparing children for a technology-driven future

In June, a class XII student from Uttar Pradesh’s Barabanki district, Pooja, participated in Japan’s prestigious Sakura Science High School Programme. Pooja invented a dust-free thresher that blocks agricultural dust emitted from wheat farms and provides clean air. The daughter of a labourer, Pooja is the only participant from UP to participate in the programme organised by the Japan Science and Technology Agency (JST).

Despite her humble background, she had a breakthrough in her invention when she was in class VIII itself. She received both state and national recognition under INSPIRE awards. This is the actual power of STEM (Science, Technology, Engineering and Mathematics). Pooja is an ideal example of how STEM labs are nurturing creativity, critical thinking and innovation among students.

Walk into a modern STEM lab in any progressive Indian school and you won’t find rows of silent desks or rote memorisation. Instead, you’ll see students huddled around 3D printers, experimenting with circuits or programming miniature robots to navigate a maze. STEM labs are reimagining what education looks like in the 21st century, turning passive learning into active exploration.

In times where the future of work is being shaped by artificial intelligence, automation, and technological disruption, the traditional education model no longer suffices. India needs a generation of thinkers, builders and problem-solvers — skills that cannot be taught through textbooks alone. This is where STEM labs come in. These dynamic, hands-on environments foster creativity, critical thinking and real-world application, positioning students not just to adapt to the future but to shape it.

The Promise of a STEM Lab

A STEM (Science, Technology, Engineering, Mathematics) lab is a dynamic, hands-on learning environment that rewards curiosity, collaboration and real-world problem-solving. Unlike traditional classrooms, which often emphasise rote learning, STEM labs allow students to build, test, code and experiment — providing a tangible connection between theory and application. This approach cultivates critical 21st-century skills, including innovation, analytical thinking and teamwork.

These spaces more than hubs of scientific explorations are incubators of confidence. Children are writing algorithms, building robots and simulating climate models. This interdisciplinary framework helps young learners see how knowledge converges to shape the world around them.

Coding: The New Literacy

In today’s AI-driven world, coding is no longer a niche skill; it is foundational. Like reading and writing, coding enables people to make sense of their environment — in this case, the digital environment. Whether it’s writing a basic Python script, debugging a web app or using Scratch to animate a story, coding gives students the ability to think in structured, logical ways.

More importantly, learning to code early in life helps demystify technology. AI may be writing code, but humans are still steering its purpose and ethics. When taught in a STEM lab setting, coding becomes a tool for creativity and exploration. Students apply their logic to build games, control sensors or automate models, receiving instant feedback that sharpens their skills. The result is a generation of learners who don’t fear technology but shape it.

Robotics: Engineering in Motion

If coding is the brain, robotics is the body. Robotics education represents the seamless integration of mechanical engineering, electronics and computer programming. It translates abstract STEM concepts into real-world functions. From automating agriculture to managing warehouse logistics and even conducting surgeries, robotics is revolutionising industries.

In STEM labs, students assemble kits, program microcontrollers, and troubleshoot movement sequences. These activities teach resilience, systems thinking and real-time problem-solving. As students see their robotic creations perform tasks, it not only boosts their technical knowledge but also their confidence to innovate. In effect, they learn how technology can serve humanity’s evolving needs.

Curiosity: The Engine of Discovery

At the heart of any STEM education initiative lies curiosity. The freedom to ask “What if?” and “Why not?” is what separates passive learners from innovators. STEM labs encourage inquiry-led learning, where mistakes are seen as steps toward discovery. This openness fosters grit and a love for experimentation — two qualities vital for both academic and personal growth.

In such an environment, students learn to view challenges as puzzles and develop the capacity to iterate solutions. Whether they’re 3D-printing bridge models, designing solar cars, or programming AI chatbots, the emphasis is on learning by doing. STEM labs thus lay the psychological groundwork for entrepreneurship, scientific inquiry and ethical leadership.

Government Push for STEM: Policy Backing Innovation

Recognising the power of STEM, the Indian government has launched several impactful initiatives:

Atal Tinkering Labs (ATLs): Over 10,000 labs across 722 districts have been set up under the Atal Innovation Mission, reaching 1.1 crore students and leading to over 16 lakh innovation projects. These labs focus on 21st-century skills like design thinking, ethical leadership and collaboration.

Virtual Science Labs (CSIR Jigyasa): Launched in 2021, this initiative offers 1,590+ web-enabled experiments across disciplines such as biotechnology, electronics and physical sciences. Over 14 lakh students have accessed these labs, democratising scientific research exposure.

These initiatives reflect a systemic shift in India’s education policy, from content-heavy curricula to curiosity-driven learning.

Smile For STEM

While policy drives scale, implementation on the ground requires trusted partners. Smile Foundation has been at the forefront of democratising STEM education, especially for underserved communities.

In 2025, Smile Foundation partnered with BMW India Foundation to launch an ambitious STEM programme across government-aided and community schools in Delhi. The initiative is projected to reach over 2,500 students annually through:

  • State-of-the-art STEM labs with digital tools, robotic kits and testing devices
  • A “STEM on Wheels” mobile lab for outreach to marginalised communities
  • Workshops, science fairs and teacher training to ensure sustainability

Additionally, their collaboration with IIT Bombay in 2024 brought advanced STEM modules to over 950 students in fields like astronomy, aero-modelling and 3D printing. This high-touch model, reinforced by their flagship Mission Education programme, has created vibrant learning spaces where critical thinking and creativity are at the core.

To ensure these innovations are embedded into daily teaching, Smile Foundation has trained 482 teachers and 116 school leaders through over 86 workshops. Covering everything from pedagogy to foundational numeracy, these sessions empower educators to make classrooms interactive, inquiry-led and future-focused.

What lies ahead: Scaling impact

India’s STEM future rests on how effectively it can scale such interventions. The goal is not just to create coders or roboticists but to cultivate problem-solvers and ethical technologists. For this, a multi-pronged approach is needed:

  • Public-private partnerships: Scaling high-quality STEM labs requires investment, expertise and local understanding. Collaborations like that of Smile Foundation and BMW India Foundation set a strong precedent.
  • Curriculum integration: STEM must not remain an after-school activity. It needs to be embedded into mainstream curricula, aligned with national education goals like NEP 2020.
  • Gender inclusion: STEM must actively dismantle gender biases. This means inclusive innovation clubs, mentorship for girls and culturally rooted interventions.
  • Capacity building: Teachers remain the cornerstone. Ongoing training, mentorship and performance support must be prioritised to sustain quality.
  • Tech accessibility: With emerging tools like AI, AR/VR and IoT entering classrooms, infrastructure and digital equity need urgent attention to avoid deepening the education divide.

A well-equipped STEM lab is a mindset incubator. In such spaces, children learn to question, design, fail and try again. They understand that science is not a set of answers but a method of asking better questions. India’s investment in STEM labs, when combined with inclusive implementation models like Smile Foundation’s, holds the potential to turn its vast demographic dividend into a generation of innovators and problem-solvers.

As coding becomes the new literacy, robotics the new machinery, and curiosity the new capital, STEM labs stand as India’s gateway to a more equitable, inventive and empowered future.

Sources:

  1. Atal Innovation Mission. NITI Aayog
  2. CSIR Jigyasa Programme
  3. World Economic Forum – “Why STEM education is crucial for the future.” https://www.weforum.org/agenda/2021/03/stem-education-future-skills/

FAQs

What is STEM Education?

STEM education is an interdisciplinary learning approach that integrates Science, Technology, Engineering and Mathematics to develop critical thinking, creativity and real-world problem-solving skills.

Why is STEM Education Important in India?

STEM education equips students with future-ready skills, promotes innovation and prepares India’s workforce for emerging industries while supporting the goals of the National Education Policy (NEP 2020).

How does STEM Education benefit children from rural India?

STEM education gives rural children access to experiential learning, improves conceptual understanding, builds digital literacy and creates equal opportunities for higher education and employment.

What are the biggest challenges to implementing STEM education in India?

Limited infrastructure, inadequate teacher training, lack of digital access and insufficient hands-on learning resources remain the primary barriers to expanding STEM education.

How can NGOs promote STEM education in India?

NGOs promote STEM education by establishing STEM labs, training teachers, providing activity-based learning resources, supporting digital classrooms and collaborating with schools and CSR partners.

What role do CSR-NGO partnerships play in strengthening STEM?

CSR partnerships help fund STEM laboratories, mobile STEM programmes, teacher capacity building, digital infrastructure and innovative learning initiatives that improve educational outcomes.

Is STEM education aligned with the National Education Policy (NEP 2020)

Yes. STEM education strongly supports NEP 2020 by encouraging experiential learning, critical thinking, multidisciplinary education and foundational skills development.

How is Smile Foundation supporting STEM Education in India

Smile Foundation through its 400 + partners, promotes STEM education through STEM labs, digital classrooms, teacher training, activity-based learning, mobile STEM initiatives and partnerships that make quality education accessible to underserved children

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Education In The Spotlight Smile

What Is Intergenerational Poverty and Why Is It So Hard to Break?

Summary: 

  • Intergenerational poverty is a self-reinforcing cycle between nutrition, education and opportunity passed down like an inheritance nobody asked for. 
  • A landmark World Bank study found that India’s intergenerational mobility has barely moved in four decades, despite sustained economic growth.
  • Breaking the cycle takes early, sustained, combined intervention.
  • Some families are already finding ways to interrupt the pattern and their experience points to what works.

Rita Majhi’s father farms other people’s land in Kalahandi, Odisha, for a daily wage. Most days, that wage doesn’t stretch far enough to feed the family and keep Rita in school. So, he picks one. He goes hungry and she stays in school. 

Rita Majhi at her home in Kalahandi, Odisha

There’s no defining moment in that story, no single crisis you could point to and say, this is where everything changed. Just a man choosing hunger, so his daughter’s life might end up looking nothing like his. 

It’s a calculation being made right now, in households across India with very little room for error. Why does it still take so long for a family to move up, even when a parent is sacrificing this much? 

Economists describe this as intergenerational poverty: the persistence of poverty across generations, driven not by a lack of effort, but by the unequal starting points that shape the chances of a person long before they can influence them.

A Concept, Not Just a Condition 

Here’s the distinction worth understanding: being poor is a condition. Intergenerational poverty is a pattern, and patterns are harder to shake.

A condition can change with one good year, one job or one piece of luck. A pattern means a child’s starting line is largely decided by where their parents stood, regardless of how capable that child turns out to be.

We’d like to believe growth fixes this on its own. India’s growth story over the last few decades should, in theory, have loosened the cycle’s grip for families at the bottom. 

However, World Bank economists found that intergenerational mobility in India has barely moved in four decades, even through a period of rapid growth and rising education access. Separately, India shows the lowest income mobility of any country in South Asia. 

So, the economy has grown. The odds, for the families who needed them to change most, largely haven’t. 

Why the Cycle Forms in the First Place

It often starts before a child is even born. A mother’s nutrition influences her baby’s birth weight, brain development and long-term health. By the time a child enters school, the disadvantages may already be years in the making.

According to the National Family Health Survey (NFHS-5), 35.5% of children under five in India are stunted and 32.1% are underweight. Maternal health, sanitation, access to healthcare and adequate nutrition all shape a child’s earliest years. When those foundations are weak, children carry the consequences into classrooms, workplaces and adulthood, regardless of how hard they later work to overcome them.

Then comes the trade-off that millions of families know all too well: choosing between immediate survival and long-term wellbeing.

For Khemraj and his wife, Mangla, farmers in Rajasthan, a severe drought destroyed their harvest. Debt followed and they lost their land to moneylenders and eventually sold both their cows simply to stay afloat.

“Spending on healthcare was still difficult for us,” Khemraj recalls. “Private clinics and medicines would cost us half of our earnings. And when the choice comes between food and medicine, you know what one would choose.”

A drought, an illness or an unexpected expense forces a family to sacrifice something essential. The decision may solve today’s crisis, but it leaves them more vulnerable to the next one. For families living within margins, another setback is rarely far away.

Education is often described as the surest route out of poverty. But for millions of children, that path narrows long before they reach adulthood. India’s secondary school retention rate stands at just 47.2%, meaning nearly half of the students who enter Class 9 do not complete Class 12. Although enrolment has improved steadily over the years, the gap remains more pronounced in rural India, where girls are especially likely to leave school early because of financial pressures, domestic responsibilities or early marriage.

For many families, education becomes a luxury they can no longer afford. Around the world, an estimated 138 million children were engaged in child labour in 2024, many of them in India, stepping into work the moment another income becomes necessary for the household.

More than 90% of India’s workforce is employed in the informal economy, where work is often insecure and protections are minimal. There are no written contracts, paid leave or guaranteed income. A period of illness, a failed harvest or a slowdown in local demand can erase a family’s earnings almost overnight.

The nature of informal work also makes recovery difficult. Many workers own few productive assets, have little or no savings and depend on wages that arrive daily or weekly, barely covering immediate needs. Without a financial cushion, even a brief interruption in income can undo years of painstaking progress.

Where a person is born continues to matter as much as how hard they work. Although legal barriers have diminished over time, caste, geography and social identity still influence access to education, employment and opportunity. Research consistently shows that economic mobility remains uneven across regions and communities, even as India’s economy has expanded.

Physical infrastructure shapes opportunity just as powerfully. A village without reliable roads, electricity or clean water remains disconnected from schools, healthcare facilities and markets in ways that individual determination alone cannot overcome. But the absence can be observed beyond government datasets. In many communities, there is not even a common public space where residents can meet. Organising around shared concerns often means asking one family to host everyone else and bear the cost of refreshments — a burden that many simply cannot afford. When gathering itself becomes expensive, collective action becomes harder and solutions remain out of reach.

There is another inheritance, less visible but equally consequential. Children from wealthier families inherit more than financial security. They inherit networks like a relative who understands university admissions or a family friend who recommends them for their first job or a parent confident enough to navigate a bank or government office without hesitation.

The strongest evidence on these social networks comes from studies outside India, but the pattern is instantly recognisable. Researchers have found that children who grow up surrounded by people from diverse economic backgrounds are more likely to experience upward mobility than those whose communities remain economically isolated. In India, where referrals and personal connections continue to shape access to education, employment and credit, these invisible networks often matter as much as formal qualifications. Families living in poverty are no less capable or determined; what they frequently lack is someone who can open the first door.

None of these forces operates alone. Each disadvantage reinforces the next until poverty is no longer the result of a single setback, but the cumulative effect of many.

That is what makes intergenerational poverty so persistent. It is not one barrier, but an ecosystem of barriers, each quietly strengthening the others.

What It Takes to Break the Cycle

If poverty persists because disadvantages accumulate over time, breaking the cycle demands the opposite: sustained support that reaches people early, addresses multiple barriers at once and continues long enough for change to take root.

Programmes that combine income support with investments in health, nutrition and education produce some of the strongest gains in children’s long-term outcomes. The impact is greatest in the earliest years of life, when the foundations of physical and cognitive development are still being laid. Support at that stage shapes the opportunities children carry into adulthood.

For Rita Majhi’s family, transformation grew out of her father’s repeated decision to protect her education, even when doing so demanded personal sacrifice. For Khemraj and Mangla, the turning point was not one visit to a doctor but reliable access to healthcare that reduced the impossible choices they had been forced to make for years.

Where Smile Foundation Fits In 

One example of this integrated approach is Smile Foundation’s lifecycle model — the belief that you cannot lift a child out of poverty while ignoring their family, and you cannot lift a family while ignoring their health, their income, their community. 

Through Mission Education, the organisation works to keep children like Rita in school, with remedial learning support and the slower work of helping parents see why that education is worth the cost. Through Smile on Wheels, families like Khemraj and Mangla’s get healthcare at their doorstep, so the choice between a meal and a medicine stops being a choice at all. And through Swabhiman, women gain the skills and resources to build their own income, addressing the instability that sits underneath everything else.

Each initiative addresses a different dimension of poverty. Together, they reinforce one another, reflecting the same interconnected reality that allows poverty itself to persist across generations.

The Long Arc of Breaking a Cycle

This isn’t a story about one bad decision, or about people not trying hard enough. Disadvantage compounds quietly, generation after generation, until it starts to look like fate. It’s circumstance. 

But cycles, by definition, can be broken. Rita’s father understood that when he chose hunger over pulling her from school. Khemraj and Mangla understood it when they kept showing up for a doctor they could finally afford. 

Breaking a cycle like this doesn’t happen in one year, or through one scheme. It happens through staying — in classrooms, in clinics, in the small decisions families make every day to want something different for their children than what they inherited.

Intergenerational poverty is often mistaken for inevitability. When disadvantage is passed from parent to child for decades, it can begin to resemble fate. But it doesn’t need to be.

It is the cumulative effect of unequal beginnings, limited opportunities and repeated setbacks. And because it is built over time, it can also be dismantled over time.

Rita’s father understood this every time he chose to keep his daughter in school despite the cost. Khemraj and Mangla understood it each time they sought care before illness became a financial crisis. Their stories are reminders that breaking the cycle depends on hundreds of decisions, supported by systems that make those decisions possible.

That is the work of ending intergenerational poverty. Not a single intervention or a single year of support, but the patient work of ensuring that children remain in classrooms, families have access to healthcare, women can earn stable incomes and communities have the resources to build a different future.

Because poverty may be inherited, but so can opportunity. The difference lies in whether society creates the conditions for one generation to pass something better on to the next.

Frequently Asked Questions (FAQs) 

  1. What is intergenerational poverty? 

Intergenerational poverty refers to the pattern by which economic disadvantage is passed from parents to children, who in turn pass on a similar disadvantage to their own children, creating a cycle that persists across generations. 

  1. Is intergenerational poverty the same as being poor? 

No. Being poor describes a current economic condition. Intergenerational poverty describes a pattern, where a family’s economic position tends to repeat itself across generations regardless of individual effort.

  1. Does economic growth automatically reduce intergenerational poverty? 

Not on its own. Research shows that intergenerational mobility in India has remained largely unchanged for four decades despite sustained economic growth, suggesting that growth alone does not guarantee that families move up the economic ladder. 

  1. What causes intergenerational poverty to persist?

It is driven by several interlocking factors, including early childhood malnutrition, the trade-off families make between healthcare and other necessities during a crisis, the instability of informal work and the absence of savings or assets to fall back on, barriers to completing education such as child labour, the lack of basic infrastructure and shared public spaces in many villages, limitations on social and occupational mobility tied to caste and geography, and unequal access to the networks and connections that help people navigate opportunities.

  1. Can intergenerational poverty be broken? 

Yes, though it typically requires sustained, combined intervention across nutrition, education and healthcare, rather than a single short-term fix, particularly when support reaches children early in life.

  1. How does Smile Foundation address intergenerational poverty?

Smile Foundation takes a lifecycle approach through programmes like Mission Education, Smile on Wheels and Swabhiman, addressing education, healthcare and livelihood together rather than in isolation, recognising that a child’s future is tied to their family’s overall circumstances.

  1. Why does education alone not always break the cycle? 

Education is a critical lever, but its impact is limited when a child is malnourished, pulled into labour to support household income, or part of a family facing a health or income shock. Education tends to be most effective when paired with nutritional and economic support. 

Sources 

World Bank: Advances in Measuring Intergenerational Mobility Shed New Light on Opportunity in India 

National Family Health Survey-5 (NFHS-5) 

Smile Foundation: Why Children Dropout Even When Schools Are Free 

UNICEF/ILO data on child labour, 2024 

WIEGO: Informal Workers in India, A Statistical Profile 

Chetty et al., “Social Capital I: Measurement and Associations with Economic Mobility,” Nature, 2022

Categories
Insights Smile

How to Talk to Children About Poverty Without Shame

Children growing up in poverty do not need someone to explain hardship to them. They are already living it every day. What they need is the assurance that their circumstances say nothing about their worth.

Research with families living in poverty across India offers an important insight. Children rarely blame their parents for what they do not have. Instead, they often respond by asking for less. They stop mentioning the school trip they know the family cannot afford. They wear worn-out shoes for another year and learn to shrink their own needs before anyone has to tell them no.

What weighs on them is not poverty alone. It is the shame that so often comes attached to it.

Shame is not an inevitable consequence of having less. It is learned and then reinforced through the glance that lingers on a torn slipper, the joke made at someone’s expense, the classroom that falls silent when a child is singled out for receiving support. Poverty may shape circumstances, but shame is something society adds on top.

Researchers from the University of Oxford, studying families experiencing poverty in India, captured this distinction. Children attending rural government schools were entitled to free midday meals, yet many chose to go hungry rather than be seen accepting them. One boy said he would take the meal if even one other child went first. Nobody did. So neither did he.

The food was available. But the fear of being identified as poor proved stronger.

Don't like the word ‘period poverty’ and can menstrual cups end it? Menstrual hygiene awareness

Adulting in Childhood

Anyone who has grown up with limited means will recognise that feeling. It is not the hardship itself that lingers longest in memory but the moment of being made visible because of it.

Children understand far more about their family’s financial situation than adults often realise. They notice which months are more difficult than others, when electricity bills are overdue or when a parent hesitates before buying groceries. They begin calculating what they should and should not ask for, long before anyone tells them to.

The study found something heartbreaking: not one of the children blamed their parents for being poor. Instead, many took responsibility for protecting them. They suppressed their own wishes, delayed asking for necessities and accepted doing without, simply to spare their parents the pain of saying no.

What these children needed was not false reassurance that everything would somehow work out. They needed an honest explanation that separated circumstance from identity.

That is what it means to talk about poverty without shame.

It means telling a child, “We’re finding things difficult because work has been scarce this season,” or, “The harvest wasn’t good this year, so we need to be careful with money for a while.” It means naming the cause instead of leaving children to invent one of their own.

Because children will always look for an explanation. If adults remain silent, many arrive at the same painful conclusion: there must be something wrong with us.

The difference matters profoundly.

Circumstances have causes, and causes can change. A failed crop, an illness, debt or a lost job are realities that families can recover from with time and support. Identity feels far more permanent. A child who believes our family is struggling right now carries a very different burden from one who quietly comes to believe our family is less than everyone else’s.

Those beliefs often stay with children long after the poverty itself has passed.

The words that prevent that lasting harm are neither complicated nor expensive. They require only one thing: an adult willing to say, clearly and without hesitation, that hardship is something a family experiences — not something a child is.

The Joke That Lasts Longer Than the Laugh

NEP Addressing Poor Learning Outcomes 

Imagine a first-year college hostel. Four students are unpacking for the first time. Three arrive with suitcases that barely close. The fourth places five neatly folded outfits into a cupboard that still looks almost empty.

One of her roommates glances over and laughs. “You could rent out all that extra shelf space and finally buy yourself some decent clothes.”

The room laughs with her.

For three students, it is a joke forgotten before the evening is over. For the fourth, it becomes one of those moments that lodges itself in memory, returning years later with surprising clarity.

The remark was almost certainly not intended to wound. The student who made it was not cruel. She was simply repeating an assumption she had never been taught to question.

No one had ever told her that having more was not a personal achievement. No one had explained that the girl with fewer clothes had not chosen to arrive with less. In the absence of that conversation, the world supplied its own explanation: those who have less are somehow different, and difference is fair game for humour.

That is how shame travels. Not always through deliberate unkindness, but through ordinary moments that pass unnoticed by everyone except the person carrying them.

The shame in that hostel room never belonged to the student with five sets of clothes. It belonged to a society that so often measures people by what they own, until those measurements begin to feel like truths.

Making it from a village to a university classroom does not mean inequality has disappeared. It often means a young person has entered a new space carrying the invisible weight of every comparison they have learned to make along the way.

The conversation missing in that hostel room is the same one missing in many classrooms and homes. Children who grow up with privilege are rarely taught that privilege itself is inherited. Left unexplained, many arrive at a simple conclusion: people have what they deserve.

That belief does not usually produce cruelty. More often, it produces thoughtlessness. And thoughtlessness can leave marks that last just as long.

What Adults Can Do Instead

The most important conversations are often the simplest.

For parents facing financial hardship, honesty matters more than reassurance. Children already know when money is tight. What they need is an explanation that places the difficulty where it belongs.

“Work has been scarce this month.”
“The harvest failed this season.”
“We’re paying off a debt, so we need to be careful for a while.”

These are explanations of circumstance, not judgements about a family’s worth.

Teachers have an equally important role to play. Research on India’s school meal programme shows that children often refuse support when accepting it publicly identifies them as poor. A well-intentioned gesture can unintentionally reinforce the very stigma it seeks to address.

Support works best when it protects dignity. The less it distinguishes one child from another, the more likely children are to accept it without shame.

Parents raising children who have more have a different conversation to begin.

The most valuable lesson is also the most honest one: the life you were born into is not something you earned. The family with less did not choose their circumstances any more than you chose yours.

Children who understand this early are less likely to mistake privilege for merit or hardship for failure. They grow up recognising that kindness is simply the appropriate response to a world in which opportunity is never distributed equally.

That conversation may seem small. But it is often the difference between the child who laughs at the joke and the one who quietly decides not to make it.

The Words That Matter: Poverty Without Shame

Poverty without shame
How Mobile Dental Units Save Trouble for the Urban Poor in India?

Children do not need perfect explanations. They need truthful ones.

The conversations that matter are often the simplest, and they work whether they happen in a village home or a city apartment.

When a child is embarrassed by something they cannot have:

“We can’t afford that right now because work has been difficult this season (or because we’re paying off a debt, or because money is tight). That isn’t anyone’s fault, and it says nothing about who you are.”

The goal is not to soften reality but to separate circumstance from identity.

When a child quietly stops asking for things:

“I’ve noticed you’ve stopped asking for what you need. You don’t have to protect me. I know things are difficult, and we’ll figure them out together.”

Many children carry responsibilities that adults never intended to place on them. Sometimes they simply need permission to be children again.

When a child hesitates to accept a scholarship, a school meal or extra support:

“This support exists because you belong here. Accepting it doesn’t mean there’s something wrong with your family. It means you’re entitled to the same opportunities as everyone else.”

Support should never feel like a label. It should feel like belonging.

When a child from a more privileged background notices someone with less:

“Some families have more than others, not because they worked harder or deserve more, but because people begin life with very different opportunities. What matters is how we treat one another.”

Empathy is easier to learn when privilege is explained honestly.

When a teacher hears a child being mocked for having less:

“In this classroom, we don’t judge people by what their families own. None of us chooses the circumstances we’re born into. We measure one another by kindness, effort and respect.”

These conversations do not need to be long. They do, however, need to happen more than once. Children hear the world’s story every day. They need trusted adults to tell them a different one just as often.

Creating Spaces Where Children Belong

Through Mission Education, we work with children from underserved communities, many of them first-generation learners whose families have never had the opportunity to complete school themselves.

The focus is about creating environments where children can learn without being defined by what they lack. Support is offered in ways that protect dignity rather than drawing attention to need, while parents are engaged alongside schools so that the messages children hear at home reinforce those they receive in the classroom.

Because a child cannot leave shame behind at the school gate if it is waiting for them at home.

Frequently Asked Questions (FAQs) 

  1. Children in rural India already know their family is poor. What is there to talk about? 

Awareness of poverty and shame about poverty are different things. Children in hardship usually understand their situation clearly. What they lack is a way of seeing it as circumstance rather than as something wrong with their family. The conversation is not about explaining poverty. It is about making sure the child does not carry shame for something that was not their doing.

  1. How do you talk to a child about poverty without making them feel worse? 

Name the real cause plainly, a bad harvest, low wages, a debt, an illness and to be clear it is not a reflection of the family’s character. Children often know more about the family’s finances than their parents realise, so vague reassurance without honesty is rarely believed.

  1. Why do children in rural schools refuse free meals or scholarships? 

Research in India found that accepting visible help in front of peers marks a child as poor in a way that can feel worse than the hardship itself. One boy said he would take the free meal if even one other student did. Nobody did, so he went hungry. Support works better when it reaches everyone quietly.

  1. What can a teacher in a rural government school actually do?

Deliver support without singling children out. Speak about poverty as something that happens to families through identifiable causes, not as a defining trait. Respond to unkind comments about another child’s circumstances directly. Small actions, lasting effects.

  1. What should parents raising comfortable children say about poverty? 

That the comfort in their home arrived before their children did, and is not something they earned. That families who have less are not lesser. That the measure of a person is not what they own. Said plainly and early, this changes what a child finds funny and what they find shameful.

  1. Do children blame their parents for being poor?

Rarely. Research with poor families in India found that children almost never blamed their parents. Instead, they tended to reduce their own demands and hide their needs to protect their parents from feeling ashamed of being unable to provide.

  1. How does Smile Foundation approach this?

Through Mission Education, Smile Foundation works with children from underserved communities in a way built around dignity rather than charity. Support is designed so children are not marked out in front of peers, and parents are engaged alongside children so the message at school and at home says the same thing: hardship is circumstance, not character.

Sources:

Categories
Education

Dropout and Out-of-School Children: What’s the Big Difference and Why It Matters


Summary:

  • UDISE+ reports that the schooling system largely succeeds in keeping children enrolled through the early grades. The real leakage begins during adolescence.
  • Nearly half the children who enter Class 1 do not stay until Class 12 (of the 98.5 enrolled at the elementary levels, 51.9% remain in school by Grade 12.
  • Dropout and out-of-school children cannot be used interchangably.
  • 5,663 schools reported zero students, yet they still had 20,667 teachers
Dropout and out-of-school children

Education is often hailed as the backbone of a nation’s progress, and this is true for India as well. Our huge educational system with 14.67 lakh schools and 24.72 crore pupils is a symbol of the country’s dedication to nurturing young minds. But behind the rising enrolment rates and increased facilities lies a tough challenge: ensuring that every child not only starts school but also stays there, especially during the important years of adolescence.

NEP’s goal is to ensure children are enrolled, attending school, and are able to re-enter after dropping out. But how much of this is actually happening? Confusing dropout and out-of-school children risks solving only half the problem.

Dropout and Out-of-school Children

The terms “dropout” and “out-of-school children” are commonly used interchangeably, yet the difference between them is far from insignificant. Dropouts are children who enroll in school but leave before finishing the cycle, whereas Out-of-school children are children who do not enroll or children who have been out of the system for a substantial amount of time. This variation is important to note as each group has its own set of hurdles and needs specific responses.



Barriers for Out-of-School Children

  • Sometimes, it’s a matter of sheer survival. Families living on the margins, whether in remote villages, tribal hamlets or the teeming lanes of informal settlements, often can’t spare the money for uniforms or the daily bus fare.
  • For others, work comes before study. Children are pulled into the workforce or left in charge of younger siblings, simply because their parents have little choice. Seasonal migration for work can uproot an entire family, making it nearly impossible for children to settle into a classroom routine.
  • The weight of social exclusion is just as heavy. Discrimination, whether due to caste, disability or ethnicity, can make schools feel out of reach.
  • Distance is another silent barrier. In many rural corners, the nearest school might be several kilometres away, the road to learning littered with risks and uncertainty. Parents, especially of young girls, may decide it’s simply too dangerous or demanding.
  • In some communities, old beliefs linger. Early marriage or the notion that girls don’t need an education, still keeps too many at home. Add to this the bureaucratic hurdle of a lack of birth certificates or proper identification that shuts out countless children before they even get started.
No Children Should Be Out of School

Why Do Students Drop Out? 

Dropping out is rarely a sudden decision; more often, it’s the result of a long, slow slide.

  • As children grow, their realities change. For adolescents, the pressure to earn often outweighs the promise of a distant future. Boys, in particular, are expected to find work and help support the family, while girls are drawn deeper into domestic responsibilities — or sometimes married off before they finish their education.
  • School itself can become a source of frustration. Overcrowded classrooms, uninspiring lessons, and a lack of individual attention can make it easy to fall behind. Without extra support at home, children who struggle often start skipping classes, gradually disengaging until they drop out altogether.
  • For girls, puberty is a turning point. The absence of proper toilets or menstrual hygiene resources, combined with the stigma that still surrounds menstruation, can be enough to push them out of the system. Long, unsafe commutes and fears for personal safety only compound the problem.
  • Transitions are precarious moments. Moving up to upper primary or secondary school often means new expenses, unfamiliar teachers, lack of support like tuitions and longer journeys. It’s at these junctures that dropout rates spike.
  • Children living with disabilities, those who face bullying, and those without a network of support are particularly vulnerable. And for families that migrate with the seasons, continuity in education is a near-impossible dream.
  • Finally, when schools themselves lack the basics, like reliable electricity, safe drinking water and decent classrooms, many students lose the motivation to keep showing up.

Advances and Continued Shortfalls

The latest UDISE+ 2025-26 data comes with reasons for optimism and caution. National dropout rates decreased at all levels: 1.8% at the preparatory level, 3.6% at the middle level and 7.0% at the secondary level, an improvement over the preceding four years. The gross enrolment ratio (GER) in secondary level has gone up to 71.7%, which is a good jump compared to prior years.

However, the numbers indicate that roughly three out of ten adolescents of formal secondary-school age remain outside the education system. States such as Andhra Pradesh, Kerala, Tamil Nadu, Telangana and Maharashtra do well on indicators, whereas Bihar, Meghalaya, Arunachal Pradesh, Jharkhand, Assam, Madhya Pradesh and Uttar Pradesh lag, highlighting the deep-rooted inequities associated with geography and socio-economic status.



The Price of Missed Opportunity

The implications of dropout and out-of-school children are deep, for individuals and for the nation. The World Bank finds that each extra year of schooling can raise a country’s GDP by 0.37%. For women, each extra year of schooling might raise future earnings by 10-20%. But the odds of escaping poverty, gaining healthcare or finding a decent job plummet once children leave school.

At a social level, these wasted chances drag down economic progress, perpetuate poverty cycles and entrench gender inequity. As India attempts to achieve Sustainable Development Goal 4, the true challenge is not just to get children into classrooms, but to retain them there until they are ready to enter adulthood with the abilities and confidence they need.



Purpose of Education

The Road Ahead

In the future, India needs to focus on making sure every child finishes their education. 

Targeted help for dropout and out-of school children, taking account of the different challenges they confront. Holistic interventions that encompass health, hygiene and social protection, as well as learning.
Community mobilisation to question societal conventions and create a feeling of collective responsibility.
Investing in teacher training and deployment,  especially in underserved areas.


India has made significant strides in its drive for universal education, but the trip is far from complete. The difference between dropouts and out-of-school children is the key to unlocking more effective, egalitarian solutions.

Smile Foundation’s projects like Mission Education ensure that dropout and out-of-school children in India not only enrol in school but also complete their education.

Sources:

Frequently Asked Questions (FAQs)

1. What is the difference between dropout and out-of-school children?

The key difference is that dropouts are children who enrolled in school but left before completing their education, while out-of-school children are those who have never enrolled or have remained outside the education system for a prolonged period. Understanding the distinction helps policymakers design targeted interventions for each group.

2. Why is the difference between dropout and out-of-school children important?

Although the terms are often used interchangeably, they describe different challenges. Out-of-school children typically face barriers to entering school, such as poverty, migration or lack of documentation. Dropouts, on the other hand, leave school due to factors like financial pressures, poor learning outcomes, unsafe school environments or early marriage.

3. What causes children to become out of school?

Children may remain out of school because of poverty, seasonal migration, disability, social discrimination, lack of nearby schools, inadequate documentation, child labour or cultural norms that discourage education, particularly for girls.

4. Why do students drop out of school in India?

Students usually drop out because of a combination of economic, social and educational factors. These include financial hardship, the need to work, poor learning experiences, lack of sanitation facilities, unsafe travel to school, family responsibilities, early marriage and limited support during the transition to secondary education.

5. How many children drop out of school in India?

According to the latest UDISE+ data, dropout rates have declined across all school stages. However, secondary education remains a major challenge, with only around 51.9% of children who enter Class 1 remaining in school by Class 12, highlighting the need to improve retention during adolescence.

6. Who is more vulnerable to dropping out of school?

Children from economically disadvantaged families, girls, children with disabilities, migrant children, those living in remote areas and students facing discrimination are at greater risk of dropping out. Adolescence is a particularly vulnerable stage, as financial pressures and social expectations often intensify.

7. How can India reduce school dropouts and bring out-of-school children back into education?

Addressing the problem requires different approaches for different groups. Out-of-school children need support to enrol through community outreach, flexible admission policies and improved access to schools. Preventing dropouts requires better school infrastructure, financial assistance, safe transport, quality teaching, menstrual hygiene facilities, counselling and continued support during key transition years.

8. How does Smile Foundation help reduce school dropouts?

Through its Mission Education programme, Smile Foundation works with underserved communities to improve access to quality education. The programme supports children’s enrolment, regular attendance and continued learning while engaging families and communities to reduce the risk of children dropping out before completing their education.

Categories
In The Spotlight Smile

The Bandwidth Tax: How Poverty Literally Reduces Mental Capacity

When we think about poverty, we usually think about empty pockets, lack of food, poor housing or children dropping out of school. These are the visible signs of poverty. But there is another hidden cost that many people do not see: the effect poverty has on the human mind.

Imagine waking up every day worrying about whether there will be enough money for food, rent, medicines or your child’s school fees. These worries do not disappear after a few hours. They stay with a person all day, every day.

Over time, this constant stress makes it harder to think clearly, plan, remember important things or make decisions. Behavioural scientists call this the “bandwidth tax.” The term explains how poverty uses up a person’s mental energy, leaving less capacity to focus on education, work, health or the future.

Understanding this idea helps us replace judgement with empathy. Instead of asking, “Why don’t people make better decisions?” we should ask, “How does constant financial stress affect the brain?”

For NGOs and donors, this understanding is important because reducing poverty is not only about increasing income; it is also about reducing the daily mental burden people carry.

Family conflict and its effect on children

What is the Bandwidth Tax?

The idea of the bandwidth tax comes from behavioural economists Sendhil Mullainathan and Eldar Shafir in their book Scarcity: Why Having Too Little Means So Much

The authors explain that every person has a limited amount of mental bandwidth. This is the brain’s ability to think clearly, solve problems, remember information, make decisions, learn new things, and plan for the future.

When someone is constantly worried about money, much of this mental bandwidth is already occupied. Instead of thinking about career goals or children’s education, a person may spend the day wondering:

  • How will I pay today’s bills?
  • Can I afford medicine?
  • What if my child falls sick?
  • Will I have enough food tomorrow?

These are not small worries. They demand constant attention, and as a result, there is less mental space left for everything else.

Poverty can Affect Cognitive Performance

One of the most well-known studies on this topic was published in the journal Science. Researchers asked people to imagine facing expensive financial problems before taking simple thinking and reasoning tests.

People with higher incomes performed almost the same regardless of the situation. However, people with lower incomes performed much worse after thinking about financial stress.

The researchers estimated that the drop in performance was similar to losing around 13 IQ points temporarily or missing an entire night’s sleep. This does not mean that poor people are less intelligent. Instead, it shows that worrying about money temporarily uses up the brain’s ability to concentrate.

Another famous study looked at sugarcane farmers in India.

Researchers tested the same farmers twice — Before harvest, when money was very limited and after harvest, when they had been paid.

The farmers scored much better after harvest, even though they were the same people taking the same tests. The biggest difference was that financial stress had reduced.

Scarcity Creates Tunnel Vision

Poverty also changes what people focus on, which researchers often call tunnelling. When survival becomes the biggest concern, the brain naturally pays attention only to urgent problems.

For example, a parent may be completely focused on arranging money for today’s meals. But as a result, they may unintentionally forget a vaccination appointment, a school meeting, renewing important documents, or applying for a government scheme.

From the outside, this may look like carelessness, but in reality, the brain is simply giving priority to the most urgent problem. Scarcity narrows a person’s attention in much the same way that driving through thick fog reduces what you can see ahead.

mother's day 2026

Constant Stress Changes the Brain

Living with poverty often means living with chronic stress, which fails to garner the attention they need. According to the World Health Organisation (WHO), long-term stress affects both physical and mental health.

Stress increases a hormone called cortisol. When cortisol remains high for a long time, it can affect memory, learning and decision-making. In this case, children become especially vulnerable. Research by the Harvard Centre on the Developing Child shows that continuous stress during childhood can affect brain development, learning and emotional well-being.

This is one reason why children growing up in poverty often face learning challenges, and not because they lack ability, but because they grow up in stressful environments.

Why Awareness Alone is Not Enough

Many development programmes focus on spreading awareness. People are advised to eat healthy food, save money, vaccinate children, send children to school, or visit health centres regularly.

Awareness is important, but knowing what to do is not always enough.

Imagine a mother who is worrying about rent, food, electricity bills and an ill family member. Even if she understands the importance of vaccinations or nutrition, remembering appointments or following every instruction becomes much harder. This is why poverty cannot be solved only through information.

People also need support that makes life less stressful.

How NGOs can Reduce the Bandwidth Tax

Understanding the psychology of poverty helps NGOs design programmes that truly work.

1. Make Services Easy to Access

Long forms, multiple documents and repeated office visits increase stress. Simple application processes, mobile services and doorstep support make it easier for families to receive benefits.

Reducing paperwork also reduces mental burden.

2. Reduce Everyday Uncertainty

One of the biggest causes of stress is not knowing what tomorrow will bring. Regular support, such as school meals, healthcare, cash assistance, childcare, or transport support, helps families feel more secure.

When basic needs become more predictable, people have more mental space to think about the future.

3. Build Trust with Communities

People are more likely to seek help when they feel respected. Community workers who regularly visit families, answer questions and provide guidance reduce fear and confusion. Sometimes, having someone who listens is just as important as providing a service.

4. Support Children Early

The first few years of life are critical for brain development. During that time, providing children with good nutrition, quality education, healthcare, and safe learning spaces helps reduce the long-term effects of poverty. Early investment benefits children throughout their lives.

Every girl who is not in school affects every other girl in the world

How Smile Foundation is Reducing the Hidden Burden of Poverty

Understanding the psychology of scarcity shows that poverty is not just about a lack of money but also about the constant mental effort required to survive. This is why integrated development programmes matter. By addressing multiple challenges simultaneously, organisations can reduce the daily stress that limits people’s ability to plan for the future. At Smile Foundation, we follow this holistic approach, working across education, healthcare, livelihoods and community development to ease both the economic and psychological burden of poverty.

One of the organisation’s flagship initiatives, Mission Education, supports children from underserved communities by improving access to quality education. However, the programme recognises that a child’s education depends on much more than classroom learning. We work closely with parents, teachers and local communities to encourage school enrolment, improve attendance and reduce dropouts. When parents know that their children have a safe and supportive learning environment, one major source of worry is reduced. This allows families to focus on other aspects of improving their lives while ensuring that children continue building the knowledge and skills needed to break the cycle of poverty.

Healthcare is another major source of financial and emotional stress for low-income families. A sudden illness can mean losing a day’s wages, travelling long distances to a hospital or borrowing money for treatment. To address this, Smile on Wheels brings essential healthcare services directly to underserved communities through mobile medical units.

By making healthcare available closer to home, the programme saves families time, travel expenses and lost income. It also encourages preventive healthcare, reducing the likelihood of serious illnesses that can push vulnerable households deeper into poverty. In doing so, the initiative not only improves physical health but also reduces the constant anxiety associated with medical emergencies.

Financial stability is equally important in reducing what behavioural scientists describe as the “bandwidth tax.” When people have a reliable source of income, they are better able to think beyond their immediate needs. Through our Livelihood Programme, we equip women and young people with vocational skills, employability training and livelihood opportunities. Stable employment enables families to plan for the future, save for emergencies, invest in their children’s education and make informed financial decisions. Instead of living from one crisis to the next, they gain the confidence and mental space to build more secure lives.

Smile Foundation also recognises that sustainable development cannot happen in isolation. Lasting change requires strong community support systems. By working closely with parents, schools, community leaders and local volunteers, the organisation creates an environment where families feel connected rather than isolated.

This community-based approach helps people access services more easily, encourages shared responsibility for children’s education and wellbeing, and builds trust between communities and development practitioners. Such support networks reduce the emotional burden of navigating poverty alone and strengthen resilience at the grassroots level.

Why Donors Should Care

Donors often measure the success of development programmes through numbers—how many children enrolled in school, how many patients received treatment or how many young people found employment. While these outcomes are important, they tell only part of the story.

Behind every statistic is a family that no longer has to spend every waking hour worrying about survival. When a child receives regular education, a mother can spend less time worrying about school access. When healthcare reaches the community, a family avoids losing wages or taking on debt for treatment. When a young person secures stable employment, parents can begin thinking about tomorrow instead of only getting through today.

This is the hidden impact of development, where it restores mental bandwidth. By reducing stress and uncertainty, organisations and NGOs enable people to make better decisions, invest in their future and seize opportunities that poverty once placed out of reach. For donors, supporting such integrated programmes means investing not only in education, healthcare or livelihoods, but also in human potential, dignity and the freedom to think beyond the next crisis.

International Day of the Girl Child 2025

Looking Beyond Poverty

Poverty is not simply the absence of money. It is also the presence of constant worry.

The idea of the bandwidth tax reminds us that poverty places a heavy load on the mind. It affects memory, concentration, planning and decision-making, not because people lack intelligence, but because they are carrying the weight of everyday survival.

When we understand this, we stop blaming people for their circumstances and begin designing better solutions.

At Smile Foundation, we believe that fighting poverty requires more than financial support. By improving education, healthcare, livelihoods and community support together, they help reduce both the economic and mental burden of poverty. For donors, policymakers and NGOs, the message is simple: when we reduce stress, we increase opportunity. And when people have the mental space to think beyond today’s problems, they are better able to build a brighter tomorrow.

FAQs

1. What is the bandwidth tax?

The bandwidth tax is a concept from behavioural economics that describes how financial stress consumes mental resources. When people are preoccupied with meeting basic needs, they have less cognitive capacity available for planning, learning, remembering information and making decisions.

2. How does poverty affect mental capacity?

Poverty creates constant financial stress, which can reduce attention, memory, decision-making and problem-solving abilities. Research suggests that this is a temporary cognitive burden caused by scarcity—not a reflection of intelligence or ability.

3. What is the connection between scarcity and decision-making?

Scarcity often creates “tunnel vision,” where immediate survival needs dominate attention. As a result, people may struggle to focus on long-term goals, remember appointments or access government services, even when they understand their importance.

4. Does poverty permanently reduce intelligence?

No. The bandwidth tax does not mean people living in poverty are less intelligent. Behavioural research shows that financial stress temporarily reduces cognitive performance by occupying mental bandwidth, and this effect can improve when stress is reduced.

5. Why is understanding the bandwidth tax important for NGOs?

Recognising the bandwidth tax helps NGOs design programmes that reduce stress rather than add to it. Simplifying application processes, improving access to services and providing predictable support can make it easier for families to benefit from development programmes.

6. How can development programmes reduce the bandwidth tax?

Development programmes can reduce cognitive burden by making essential services easier to access, providing reliable support such as healthcare and education, investing in early childhood development, and strengthening community support systems that reduce uncertainty.

7. How does Smile Foundation help reduce the hidden burden of poverty?

Smile Foundation addresses multiple dimensions of poverty through initiatives in education, healthcare, livelihoods and community development. By improving access to these essential services, it helps reduce both the economic pressures and the mental stress that limit people’s ability to plan for the future.

Categories
Skill Development

Why India’s BPO and Retail Sectors Are the Unlikely Heroes of Slum Youth Empowerment

Despite aspirations for stable careers and better living standards, thousands of young people encounter barriers not limited to the classroom. Limited access to quality education, inadequate digital literacy, financial hardship and social discrimination often restrict their employment opportunities to the informal economy, where wages are low, jobs are insecure and career growth is minimal.

But over the past two decades, two sectors have silently emerged as powerful drivers of social mobility — Business Process Outsourcing (BPO) and organised retail. While these industries are often associated with customer service, shopping malls and multinational companies, they have also become important gateways into the formal workforce for thousands of first-generation employees from economically disadvantaged communities.

For many young people living in urban slums, these sectors represent much more than a pay cheque, offering dignity, confidence, financial independence and the opportunity to rewrite the trajectory of their lives.

Although BPO and retail may not typically feature in discussions of poverty alleviation, they have become unlikely heroes of youth empowerment by creating accessible employment pathways for individuals who might otherwise have remained trapped in cycles of informal work and economic vulnerability.

National Youth Day 2025: What are the Young Looking Forward to This Year?

Understanding the Employment Challenge Facing Urban Youth

India has one of the world’s youngest populations, with nearly 65 per cent of its citizens below the age of 35. This demographic advantage has the potential to fuel economic growth, but only if young people possess the skills and opportunities needed to participate in the workforce.

For youth living in urban slums, however, securing formal employment remains particularly challenging. Many attend under-resourced schools, leave education early due to financial pressures, or lack exposure to professional workplaces. Even when they complete their education, employers increasingly seek communication skills, digital literacy, customer service abilities and workplace etiquette, competencies that are not always taught in traditional classrooms.

As a result, countless young people enter low-paid informal jobs with limited opportunities for career progression. Breaking out of this cycle requires industries that are willing to recruit based on potential rather than privilege.

Why BPO and Retail Sectors Stand Out

Unlike many specialised industries that require advanced technical qualifications or years of experience, the BPO and retail sectors often prioritise communication skills, adaptability, willingness to learn and customer engagement. This makes them particularly accessible for first-time job seekers.

A young graduate from an underserved community may not have an engineering degree or professional network, but with the right training, they can succeed as a customer support executive, retail associate, sales consultant, inventory coordinator or store supervisor. These positions provide an entry point into the organised economy while offering structured career progression, formal salaries, employee benefits and opportunities for continuous learning.

Perhaps more importantly, these industries have demonstrated that employability is not determined solely by academic qualifications but also by soft skills, confidence and professional readiness.

More Than Employment: Building Confidence and Identity

The impact of formal employment extends well beyond monthly income. For many young people from marginalised communities, securing their first corporate or organised-sector job transforms how they see themselves and how society perceives them.

Employment often becomes the first experience of financial independence. Young adults who previously relied on their families are suddenly able to contribute to household expenses, support younger siblings’ education or save for their own futures. For women, formal employment can significantly increase decision-making power within families while delaying early marriage and expanding opportunities for higher education and professional growth.

The workplace also becomes a space for developing communication skills, teamwork, problem-solving abilities and confidence. Interacting with customers, managing responsibilities, meeting performance targets and collaborating with colleagues helps young employees acquire life skills that remain valuable throughout their careers.

In this sense, BPO and retail sectors create not only economic mobility but also social mobility.

Formal Employment Brings Stability

BPO and Retail Sectors

One of the most important differences between informal work and organised employment is stability. Informal jobs often offer irregular wages, limited legal protections and little job security. Workers may lose income due to illness, economic downturns or seasonal fluctuations.

Formal employment within BPO and retail sectors typically provides structured salaries, regulated working hours, training opportunities, employee benefits and clearer career pathways. These features contribute to greater financial security while encouraging long-term career planning.

For families living on the margins of poverty, the shift from unpredictable daily wages to regular monthly incomes can fundamentally change household finances. Stable employment enables families to invest in education, healthcare, nutrition and housing, creating benefits that extend across generations.

Why Skills Matter as Much as Jobs for BPO and retail sectors

While employment opportunities exist, many employers continue to report significant skill gaps among young job seekers. Technical knowledge alone is often insufficient for success in customer-facing industries.

Communication skills, digital literacy, English language proficiency, workplace behaviour, teamwork, time management and problem-solving have become equally important. These transferable skills allow young people to adapt across industries throughout their careers.

This is where skill development becomes critical. Preparing young people for employment requires more than vocational training; it requires building confidence, professionalism, and resilience alongside technical capabilities.

How Smile Foundation Bridges the Employability Gap

Recognising that education alone does not always translate into employment, we at Smile Foundation have adopted an integrated approach that connects learning with livelihoods. Through our STeP (Smile Twin e-Learning Programme), the organisation equips underserved youth with industry-relevant skills that improve their employability across sectors such as BPO and retail sectors and more.

The programme focuses not only on technical competencies but also on communication, spoken English, digital literacy, personality development, interview preparation and workplace readiness. This holistic approach helps bridge the gap between education and employment, particularly for first-generation learners who may have limited exposure to professional environments.

Many young participants enter the programme lacking confidence despite having completed school or college. By the end of their training, they are better prepared to participate in recruitment processes, navigate professional workplaces and pursue careers in organised sectors that offer greater financial stability.

Smile Foundation’s livelihood initiatives complement its broader interventions in education and healthcare, recognising that sustainable employment is closely linked to overall human development. When young people are healthy, educated and equipped with relevant skills, they are better positioned to build secure and fulfilling careers.

Employment as a Tool for Breaking the Cycle of Poverty

Poverty is rarely caused by a single factor but is often reinforced by limited education, poor health, inadequate employment opportunities, financial insecurity and social exclusion. Addressing only one of these challenges may not be sufficient to create lasting change.

Formal employment can interrupt this cycle by creating new opportunities for individuals and families. A young person’s first organised-sector job may finance a sibling’s education, improve household nutrition, support healthcare expenses or enable better housing conditions. Over time, these improvements accumulate, creating lasting social and economic mobility.

This multiplier effect explains why employment should not be viewed solely as an economic indicator but as a powerful development outcome.

Challenges That Still Remain

Despite their contribution to youth employment, neither the BPO nor retail sector is a complete solution to India’s employment challenges. Both industries face issues such as high employee attrition, evolving technology, changing customer expectations and increasing demand for advanced digital skills.

Second, automation and artificial intelligence are transforming customer service functions, while organised retail is becoming increasingly technology-driven. Employees therefore require continuous learning and upskilling to remain competitive.

Furthermore, many young people from underserved communities continue to face barriers related to language, gender norms, transportation, financial constraints, and limited access to quality education. Bridging these gaps requires sustained investments in public education, digital infrastructure, vocational training and employer partnerships.

Looking Beyond the First Job

Perhaps the greatest contribution of the BPO and retail sectors lies not in the jobs themselves but in what those jobs make possible. A first formal job often becomes a stepping stone rather than a destination. Many employees go on to pursue higher education, transition into managerial roles, explore entrepreneurship or move into entirely new industries.

The confidence gained from entering the organised workforce often reshapes aspirations for both individuals and their families. Children who witness parents working in formal employment are more likely to remain in school, pursue professional careers and imagine futures that extend beyond survival.

This is why youth empowerment should not be measured solely by placement numbers. It should also be measured by expanded opportunities, greater self-belief, stronger financial resilience and improved quality of life.

India’s BPO and retail sectors may not traditionally be viewed as engines of social transformation, yet they have silently become important pathways for youth empowerment, particularly for those growing up in underserved urban communities. By offering accessible entry points into the formal economy, these industries provide far more than employment—they offer dignity, confidence, financial independence and opportunities for long-term career growth.

However, jobs alone are not enough. Young people also need the skills, confidence, and support to seize these opportunities. This is where organisations such as Smile Foundation play a vital role. Through our initiatives, we prepare underserved youth with the technical, digital, and interpersonal skills needed to thrive in today’s evolving job market. By connecting education, employability and livelihood development, we aim to help transform employment from a short-term opportunity into a pathway towards lasting social mobility.

Categories
Girl Child

How Central Government Schemes Help Reduce Dropout Rates Among Girl Students in India

More often, a girl’s education is worn down gradually: by the secondary school that is too far away from home, the school toilet that does not work, the younger siblings who need care, the household income that cannot stretch to uniforms or the marriage proposal that arrives before the school certificate does. 

This is what makes school dropout such a difficult problem to address. It is not just one barrier but an accumulation of many reasons, each making it harder for a girl to remain in the classroom. 

Over the years, central government schemes have attempted to intervene in this chain of exclusion through several measures like scholarships, residential schooling, nutrition support, infrastructure and campaigns that frame girls’ education as a public priority. These measures have proved significant not in increasing enrolment and in making continuity possible. 

Taking account of all aspects: Central Government Schemes

A series of central government schemes have sought to address the many pressures that push girls out of school by treating dropout not simply as an educational problem, but as the outcome of economic hardship, social discrimination and unequal access to secondary schooling. At the foundation of this effort lies the Right to Education (RTE) Act, which guarantees free and compulsory elementary education and prohibits discrimination within schools, creating a legal framework that has helped keep millions of girls enrolled through the age of fourteen. Yet the sharpest risk of dropout often emerges after the elementary years, when the costs of continued education rise and social pressures intensify. It is at this stage that targeted schemes become especially significant.

The National Scheme of Incentive to Girls for Secondary Education (NSIGSE), thus, offers a financial incentive to girls who complete Class 8 and enrol in Class 9, helping offset the opportunity costs that frequently shape household decisions about whether a daughter should continue studying.

Similarly, the Kasturba Gandhi Balika Vidyalaya (KGBV) scheme addresses one of the most persistent barriers to girls’ retention, distance, by providing residential schooling for girls from marginalised communities in educationally backward areas, thereby reducing the likelihood that long travel, domestic responsibilities or the threat of early marriage will interrupt their education. 

The thing about messaging 

The Beti Bachao, Beti Padhao (BBBP) campaign has, in many ways, evolved into a broader social movement. Conceived to confront another deeply entrenched barrier: the persistent

devaluation of the girl child, it emerged in response to declining child sex ratios and enduring gender discrimination. By doing so, BBBP sought to frame girls’ survival, education and dignity not as matters of private family choice, but as questions of national urgency and collective responsibility. Unlike scholarship or cash-transfer schemes, it does not offer direct financial support to individual beneficiaries.

Its significance lies instead in the realm of public messaging and administrative convergence. By mobilising ministries, district administrations, schools and local communities around issues such as female foeticide, gender bias and girls’ education, the campaign attempts to reshape the social environment in which educational decisions are made. This matters because dropout is not driven by poverty alone; it is also sustained by cultural assumptions that daughters are temporary members of the household, that their education matters less than marriage or that investment in them yields limited returns. 

In that sense, BBBP operates less as a conventional welfare scheme than as a state-backed effort to alter the moral and symbolic value attached to girls. Its success, therefore, cannot be measured only in budgetary disbursals, but in whether it helps produce a wider climate in which families, schools and governments’ treat girls’ education as non-negotiable rather than optional. 

Lowering the cost of staying in school 

Central government schemes

Alongside these financial and residential interventions, the state has increasingly recognised that retention depends on whether schools are materially equipped to support adolescent girls. Samagra Shiksha has been central to this shift, funding gender-sensitive infrastructure and support systems such as separate toilets for girls, stipends and self-defence training.

The provision of functional toilets, in particular, has become one of the clearest examples of how infrastructure intersects with gender equity. Even when over 90 thousand schools are For adolescent girls, the presence of a safe and usable toilet can determine whether school remains a viable space after puberty; sanitation is not a peripheral concern but one closely tied to dignity, menstrual health, absenteeism and dropout. 

A similar logic underpins the significance of the Mid-Day Meal Scheme, now continued as PM POSHAN. Although often discussed primarily as a nutrition programme, its educational effects are equally important. A cooked meal in school reduces classroom hunger, improves concentration, and eases pressure on household food budgets, making regular attendance more feasible for children from low-income families. 

Seen from this perspective, the significance of central government schemes lies not merely in boosting enrolment figures or fulfilling policy targets, but in extending the time a girl is allowed to remain a student. This points to a larger truth about these schemes: their effectiveness depends not only on design but on delivery. Reducing dropout, then, is not just about preventing educational discontinuity; it is about widening the horizon of what girls can imagine for their own lives.

With these government schemes — despite uneven implementation and persistent gaps — there has been at least an effort towards reducing costs and improving infrastructure. The challenge now is to continue these interventions and strengthen them with greater accountability.

Menstrual Hygiene Health Education

FAQs

1. Which central government schemes help reduce dropout rates among girl students in India?

Several central government schemes aim to improve girls’ retention in school, including the National Scheme of Incentive to Girls for Secondary Education (NSIGSE), Kasturba Gandhi Balika Vidyalaya (KGBV), Beti Bachao Beti Padhao (BBBP), Samagra Shiksha, PM POSHAN and the Right to Education (RTE) Act.

2. Why do girls drop out of school in India?

Girls often leave school because of multiple overlapping challenges, including financial hardship, long distances to secondary schools, lack of safe sanitation facilities, domestic responsibilities, early marriage and gender discrimination. These factors accumulate over time, making it difficult for girls to continue their education.

3. How does the National Scheme of Incentive to Girls for Secondary Education (NSIGSE) help?

NSIGSE provides financial incentives to eligible girls who complete Class 8 and enrol in Class 9. The scheme helps reduce the financial burden on families and encourages girls to continue their education during the critical transition to secondary school.

4. What is the role of Kasturba Gandhi Balika Vidyalaya (KGBV) in girls’ education?

KGBVs provide residential schooling for girls from disadvantaged communities in educationally backward areas. By offering safe accommodation and access to education closer to home, the scheme helps overcome barriers such as distance, safety concerns and early marriage.

5. How does Beti Bachao Beti Padhao (BBBP) support girls’ education?

Unlike scholarship schemes, BBBP focuses on changing social attitudes towards girls. Through awareness campaigns and coordination between government departments, schools and communities, it encourages families to value girls’ education and challenges gender discrimination.

6. Why are school toilets and nutrition programmes important for reducing dropout rates?

Basic facilities such as separate functional toilets and nutritious school meals make it easier for girls to attend school regularly, particularly during adolescence. Programmes like Samagra Shiksha and PM POSHAN help address practical barriers that often contribute to absenteeism and dropout.

7. How does Smile Foundation help girls stay in school?

Through Mission Education, Smile Foundation works with children, families and communities to improve access to quality education, encourage regular attendance and reduce school dropout. By addressing educational, social and economic barriers together, the programme supports girls in completing their schooling and building brighter futures.

Categories
Education Insights

Lost Interest in Studying: How to Motivate a Child

All of us have seen this happen at some point: sometimes around us, sometimes in films and sometimes via the stories told to us. In fact, at some point, in many homes, it begins with a small refusal. A schoolbag remains unopened in the corner of the room. Homework is postponed with an “I’ll do it later.” A child who once rushed to show their notebook now stares blankly at a page or out of the window. 

This child, who has lost interest in studying, is often labelled lazy or careless. Except, this loss of academic motivation is rarely that simple to explain. 

More often than not, it signals serious or other causes: of boredom, exhaustion, anxiety, fear of failure, an undiagnosed learning difficulty or a growing disconnect between what a child is being taught and what they find meaningful. Simply put, when a child stops engaging with schoolwork, the problem is not always a lack of discipline; it can instead be a lack of connection. 

Children lost interest in studying

The issue at its core

In India, schooling is deeply entangled with factors like aspiration, class mobility and larger family expectations. The loss of interest among a young child thus becomes a site of panic and the academic disengagement that comes about in the process is rarely seen as temporary. In fact, it is treated as a warning sign about the child’s future. The instinctive adult response in such cases: to push harder and supervise constantly, often ends up worsening the problem. If studying has already become associated with fear, failure or humiliation, pressure does not restore motivation but only corrodes it further. 

The more useful question, then, is to ask: what makes a child stop wanting to learn. Motivation in children is affected by a series of factors that are neither fixed nor purely internal. It is often relational, situational and can be affected by factors like the school’s climate, behaviour of peers and teachers, internal family dynamics, one’s mental well-being, etc. 

Educational psychology, particularly self-determination theory, shows that children are more likely to engage in learning when three needs are met —

(i) when they feel competent

(ii) autonomous

(iii) connected enough to experience support

Changing social landscape 

The collapse is visible in India’s current educational landscape. Even before the pandemic, India was confronting a learning crisis. UNICEF’s documentation of its ‘Home as a Learning Space’ initiative notes that as far back as the 2017 National Achievement Survey, roughly half of primary-school children (nearly 50 million) were not performing at grade level in reading and mathematics. The pandemic widened these gaps, especially for younger children, many of whom returned to school with disrupted routines, weaker foundational skills and little support form educational institutes. 

This matters in a country where academic stress begins early and escalates quickly. UNICEF India, drawing on the 2022 NCERT mental health survey, notes that 11 per cent of students reported anxiety, 14 per cent experienced extreme emotions and 43 per cent reported mood swings. These are not minor background figures. They suggest that a significant number of Indian children are trying to learn while navigating issues like emotional turbulence, exam pressure and psychological strain. 

Rebuilding interest begins with rebuilding trust 

Helping a child rediscover an interest in studying rarely begins with stricter rules or longer hours at the desk. It begins by changing the child’s relationship with learning itself. Educational psychologists recommend shifting the focus away from immediate academic performance and towards creating conditions in which children feel safe enough to make mistakes, ask questions or experience small successes.

Rather than asking, “Why aren’t you studying?”, parents and teachers may find it more useful to ask, “What is making studying difficult right now?” or in fact, “What would you rather do at the moment!”. Such conversations can reveal whether the child is struggling with anxiety, bullying, an undiagnosed learning difficulty, unrealistic expectations or just simply burnout—or any other reason. 

Equally important is restoring a sense of autonomy. Children are more engaged when they have some choice in how they learn. Now this could mean a series of things such as deciding the order of subjects or connecting lessons to hobbies and real-world interests. Breaking large tasks into manageable milestones and celebrating effort instead of only high marks can also rebuild confidence without making learning feel tough. 

Parents and teachers also play an important role in helping children by reading together, discussing everyday questions, exploring museums, watching documentaries, stepping out in nature or by simply just demonstrating that learning extends far beyond examinations. When children begin to associate education with discovery rather than constant evaluation, motivation is far more likely to return, and to last. 

Lastly, it is also important to rethink the way education itself is delivered. Learning environments that rely heavily on rote memorisation, rigid benchmarks, and examinations often leave little room for curiosity or creativity. Classrooms that encourage hands-on learning and critical thinking are more likely to sustain children’s intrinsic motivation, helping them see education as a process of exploration rather than just a race for marks. 

And maybe only when a child finds that motivation that they will find interest.

FAQs

1. Why has my child suddenly lost interest in studying?

Children rarely lose interest in studying because they are lazy. A decline in motivation may stem from academic pressure, anxiety, fear of failure, bullying, burnout, learning difficulties, or a lack of connection with what they are learning. Identifying the underlying cause is the first step towards helping them.

2. How can I motivate a child who doesn’t want to study?

Start by understanding why studying has become difficult rather than forcing longer study hours. Encourage open conversations, celebrate small achievements, give children some choice in how they learn, and focus on rebuilding confidence before expecting academic improvement.

3. What are the signs that a child has lost interest in studying?

Common signs of lost interest in studying include avoiding homework, procrastinating, declining grades, frequent complaints about school, reduced curiosity, difficulty concentrating, frustration during study time and a general lack of enthusiasm for learning.

4. Does academic pressure reduce a child’s motivation to learn?

Yes. Excessive pressure, constant comparisons and a strong focus on marks can make children associate studying with fear and failure instead of curiosity and growth. A supportive environment is more likely to encourage long-term motivation.

5. How can parents make studying more interesting?

Parents can connect learning to a child’s interests, encourage reading beyond textbooks, visit museums, explore nature, watch educational documentaries, ask open-ended questions and praise effort rather than only high scores. Making learning meaningful helps children stay engaged.

6. What does psychology say about children’s motivation to learn?

Educational psychology suggests that children are more motivated when they feel competent, autonomous and supported. When children experience success, have some control over their learning and feel emotionally safe, they are more likely to develop lasting motivation.

7. When should parents seek professional help if a child loses interest in studying?

If a child’s lack of interest continues for several weeks, is accompanied by persistent anxiety, sadness, behavioural changes, school refusal or a sharp decline in academic performance, it may be helpful to consult a teacher, school counsellor or child psychologist to identify any underlying learning or emotional difficulties.

Categories
Gender Women Empowerment

What Is Financial Literacy and Why Do Rural Women Need It Most? 

A woman in a village sells vegetables every morning, contributes to the family’s income, manages household expenses and even saves money by setting aside a few hundred rupees every month. But when she walks into a bank, she hesitates to sign a form because she has never been taught how an account works. She may own a mobile phone but not know how to use digital payments safely. She may be eligible for government benefits but remain unaware of the schemes available to her. Her challenge is not a lack of intelligence or willingness to learn — it is a lack of financial literacy. 

Financial literacy is the foundation of economic empowerment in any country. It simply refers to the combination of financial awareness, knowledge, skills, attitudes and behaviours needed to make informed financial decisions and ultimately achieve financial well-being. While financial literacy is certainly important for all, it holds particular significance for rural women, who often navigate multiple forms of economic and social exclusion across communities and regions. 

Therefore, strengthening their financial capabilities will have an impact that extends beyond individual households. 

Financial Literacy

Beyond saving money 

Financial literacy is often mistaken for simply knowing how to save money. But, in reality, it encompasses a broad range of things. It includes understanding how to budget household income, distinguish between needs and wants, access formal banking services, use digital payment systems safely, compare loan products, understand insurance, invest for the future, recognise financial fraud, etc. In today’s increasingly digital economy, financial literacy also includes digital financial literacy. The rapid adoption of Unified Payments Interface (UPI), Aadhaar-enabled banking, mobile wallets, and online banking has transformed how financial services are delivered in India. 

However, using these tools effectively requires awareness, especially in rural areas where digital adoption often outpaces digital understanding. Financially literate individuals are more likely to save regularly, borrow responsibly, invest productively and recover more effectively from economic shocks. Yet, studies by the Securities and Exchange Board of India (SEBI) indicate female financial literacy is even lower at roughly 20 per cent, compared to 27 per cent for men. 

Several structural barriers contribute to this gap. Rural women generally have lower levels of formal education and restricted access to financial information. The situation is further complicated by the existent gender digital divide. According to the GSMA Mobile Gender Gap Report, women in low- and middle-income countries continue to have lower access to smartphones and mobile internet than men. Without digital access, women are less likely to benefit from online banking, digital payments or even government services delivered electronically. 

Women Entrepreneurship Development in Rural India

Pathway to create economic independence 

Financial literacy equips women to move from just managing money to actively making financial decisions, sometimes for the entire family. Evidence from self-help group (SHG) programmes across India demonstrates this clearly. Millions of women associated with SHGs have learned bookkeeping, budgeting, credit management and collective saving practices. Studies examining SHGs linked under the National Rural Livelihoods Mission (NRLM) have found improvements in women’s decision-making power and entrepreneurial activity. 

Smile Foundation’s Swabhiman programme equips women from rural and underserved communities with the knowledge to take charge of their financial futures. The programme delivers hands-on training in areas such as budgeting, banking, savings, credit management and digital financial tools, in order to encourage women to identify viable local business opportunities and build the entrepreneurial capabilities needed to start or strengthen their own enterprises. The programme also facilitates connections to seed funding and formal financial institutions, to create pathways for women to establish sustainable livelihoods. 

An overall benefit to families & nation 

The United Nations has repeatedly argued that women’s economic empowerment is essential for achieving the Sustainable Development Goals, particularly those related to poverty reduction, gender equality, health, education and inclusive economic growth. Financially literate women are better positioned to diversify income sources. 

At the same time, through adequate financial literacy, women are less likely to fall for frauds. India’s financial landscape is changing rapidly since the last few years. Welfare transfers increasingly arrive directly into the bank accounts of beneficiaries. Farmers receive subsidies digitally. Rural entrepreneurs sell products through online marketplaces. Digital lending and mobile banking continue to expand.

While these developments create new opportunities, they also introduce new risks. Financial scams, phishing attacks, fraudulent loan offers and misinformation disproportionately affect first-time digital users. Rural women who lack digital financial skills may become vulnerable to such exploitation. Equipping them with financial knowledge allows them to exercise greater control over their lives. 

As India seeks inclusive economic growth, financial inclusion must move beyond opening bank accounts to enabling meaningful financial participation. Rural women already manage households and sustain communities. Equipping them with financial knowledge allows them to exercise greater control over these contributions. Because, ultimately, financial literacy is an investment not just in individuals but also in stronger families and eventually a more equitable economy. When rural women gain the confidence to make informed financial decisions, the benefits ripple across generations, transforming economic opportunity in ways that no single financial scheme can achieve.

Swasth Nari Sashakt Parivar Abhiyaan : Powering a Nation through Women’s Health

FAQs

1. What is financial literacy?

Financial literacy is the knowledge, skills and confidence needed to make informed financial decisions. It includes budgeting, saving, banking, borrowing responsibly, using digital payment systems, understanding insurance, recognising financial fraud and planning for the future.

2. Why is financial literacy important for rural women?

Financial literacy helps rural women manage household finances, access formal banking services, use digital financial tools, make informed financial decisions and participate more actively in economic activities. It also strengthens their financial independence and decision-making within the family.

3. What challenges do rural women face in achieving financial literacy?

Many rural women face barriers such as limited access to formal education, lower levels of financial awareness, restricted access to banking services and a persistent digital gender gap. These challenges reduce their ability to benefit fully from financial services and government schemes.

4. How does financial literacy contribute to women’s empowerment?

Financial literacy enables women to budget effectively, save regularly, access credit responsibly, start businesses and make independent financial decisions. It also increases their confidence and participation in household and community decision-making.

5. Why is digital financial literacy becoming increasingly important?

As services such as UPI, Aadhaar-enabled banking, mobile wallets and online banking become more common, understanding how to use them safely is essential. Digital financial literacy helps women access financial services while protecting themselves from fraud, scams and cybercrime.

6. How do Self-Help Groups (SHGs) improve financial literacy among rural women?

Self-Help Groups help women learn practical financial skills such as bookkeeping, budgeting, collective savings and credit management. They also encourage entrepreneurship and improve women’s confidence in managing money and participating in economic activities.

7. How does Smile Foundation promote financial literacy for rural women?

Through its Swabhiman programme, Smile Foundation trains women in budgeting, banking, savings, credit management and digital financial tools. The programme also supports entrepreneurship by helping women identify business opportunities, access seed funding and build sustainable livelihoods.

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