M-Gullak: A micro savings initiative

MobiKwik and Samagra, an NGO serving urban poor, has recently launched M-Gullak, a micro savings initiative to serve Indian urban poor population. The initiative has first launched in Pune and is expected to benefit 150,000 urban poor residents by the end of year 2016.


It is specifically designed for the Urban Poor based on Samagra’s insights on customer behaviour and MobiKwik’s Mobile Wallet technology.


Purpose: To promote the habit of savings among Indian urban poor population and connects them to the world of e-commerce and digital services.

It will provide ICT-enabled mobile wallet platform that enables users save in very small amounts at various locations, recharge phones, buy digital goods and transfer to their bank accounts.

Currently, M-Gullak enables and motivates Samagra’s toilet users to save as little as Rs 2 on a daily basis using a small ‘Kiosk’ in the community toilets as the collection point.

What’s future aspect of M-Gullak?

By early 2017, M-Gullak will be available for over 50 million users in Delhi and other metros.


MobiKwik is a mobile wallet and online payment system where a user can store money to make mobile and DTH recharge, pay utility bills and shop using wallet with over 50,000 merchants. It provides users the option to add money using their debit or credit card, net banking, and ‘cash pay’, a doorstep cash collection service. The MobiKwik wallet is a semi closed wallet authorized by the Reserve Bank of India (RBI).


Samagra is a Gates Foundation supported award winning social enterprise start-up that works with urban slum communities to provide essential services like sanitation, financial inclusion, health and child services.

Megha Jain

Engg & Freelance Author

Straight forward