Water & Sanitation

Why water and sanitation
Two of the fundamental aspects of a healthy and dignified existence are clean drinking water, and access to sanitation facilities. Sanitation is not only an essential safeguard against diseases and infections; it also provides a structure for privacy, especially for the women in the household. Provision of sanitation and portable water facilities to all Indian households is a goal that is yet to be fulfilled. According to Wild Water, State of the World’s Water 2017, new report by WaterAid(a global advocacy group on water and sanitation), more than 63 million people in India are living without clean drinking water. This is more than any other any other country in the world.
FWWB recognised the dire need for these facilities, and the role that microfinance could play in providing them to urban and rural poor women. This led to the inception of the Water and Sanitation program in the year 2009.
Our approach
The Water and Sanitation program is a testament to the fact that the availability of financial resources is key to enabling poor households to invest in water and sanitation facilities. It busts several myths about their reluctance to use modern amenities. The program also aims to raise awareness among donors and lending institutions about the role that sanitation plays in raising living standards and productivity levels of a household. This holds true especially for women and children.
This program aims to provide financial assistance to MFIs for construction of sanitation facilities at subsidised rates. Organisations which have a good client record, and are active in urban or rural areas are selected. Usually, an organisation with a sound technical team and past experience in construction activity is preferred but those organisations with no experience in this field are also guided to liaison with technical experts. The program is carried out through both grant and loan modes. Loans are provided to the partner organisations, who further lend to their clients for construction of toilets or for providing loans to sanitation entrepreneurs. Grants are given to partner organisations under the project for generating awareness and demand for sanitation loans. Funds required for providing loans to the final borrowers are raised by the partner organisations.
  • Belghoria Janakalyan Samity
  • BWDA Finance Limited
  • Chanura Microfin Manipur
  • Dhosa Chandaneswar Bratyajana Samity
  • Grameen Shakti Microfinance Private Limited
  • G U Financial Services Private Limited
  • Humana Financial Services Private Limited
  • IDF Financial Services Private Limited
  • Janakayan Financial Services Private Limited
  • Jigyasa Livelihood Promotions Microfin Foundation
  • Magenta Finance Services Private Limited
  • Mitrata Inclusive Financial Services Private Limited
  • MSM Microfinance Limited
  • Sahyog Development Services
  • Saija Finance Private Limited
  • Sampark Fin. Services Private Limited
  • Seba Rahara
  • Servitium Microfinance Private Limited
  • Shakti Mahila Sangh Bahu Udeshiya Sahakari Samiti
  • Velicham Finance Private Limited
  • Virutcham Microfinance Limited
  • WeGrow Financial Services Private Limited
    • Population Services International
    • Small Industries Development Bank of India
    • NABSAMRUDDHI Finance Limited
    • ESAF Small Finance Bank
    • FWWB ( Own Fund )
Best Innovative Financial Accessibility model of WASH - India Sanitation Coalition-FICCI Sanitation Award 2022
FWWB was awarded for Best Innovative Financial Accessibility Model for WASH in 2022 by FICCI-India Sanitation Coalition.

Mr. S S Bhat, CEO, FWWB and Mr. Nilanjan Dey Chaudhury, Credit Head, FWWB receiving the award from Dr. R A Mashelkar at the 6th Edition of the ISC FICCI Sanitation Awards Ceremony & India Sanitation Conclave 2022. The event was broadcasted on CNBC-TV18

Water and Sanitation Financing Award, 2021 awarded to FWWB by Sa-Dhan
FWWB was awarded the best institution for Water and Sanitation Financing by Sa-Dhan in 2021.

Mr. S S Bhat, CEO, FWWB and Ms. Jayshree Vyas, Chairperson, Board of Trustee, FWWB receiving the award at Sa-Dhan Annual Conference,2021

more than 100,000 Toilet Loans
more than 500 Sanitation Entrepreneur Loans
1200 Water Loans
States: Bihar, West Bengal, Odisha, Manipur, Uttar Pradesh, Delhi, Madhya Pradesh, Tamil Nadu, Karnataka
Cumulative disbursements of more than INR 200 crore over the years