MR. RAKT RANJAN KALYAN
Secretary
At CDOT, our journey has always been guided by a simple yet powerful vision—to make financial services accessible, transparent, and meaningful for every individual, especially those at the last mile.
As we move through FY 2026–2027, the financial inclusion landscape in India is undergoing a significant transformation. Rapid advancements in digital infrastructure, increasing awareness, and deeper policy support are reshaping how underserved communities engage with financial systems. At CDOT, we have embraced this shift by integrating technology into our operations, strengthening our outreach, and improving service delivery across geographies.
Our partnerships with banks and other institutions have enabled us to extend reliable and secure services to millions. We remain committed to maintaining the highest standards of integrity, ensuring trust remains the foundation of everything we do.
Beyond financial access, our work continues to focus on holistic community development. From supporting livelihood opportunities to promoting sanitation and sustainable practices, we strive to create lasting impact. Our initiatives in skill development, youth engagement, and renewable energy—particularly solar—reflect our commitment to building resilient and future-ready communities.
What truly drives CDOT forward is the dedication of our team and the trust of the communities we serve. Over the years, we have evolved into a dynamic organization that continuously adapts to emerging needs while staying rooted in its core values.
As we look ahead, our goal is not just to expand our reach, but to deepen our impact—empowering families, strengthening livelihoods, and creating opportunities where they are needed the most.
We thank all our partners, stakeholders, and beneficiaries for their continued faith in CDOT. Together, we are shaping a more inclusive and equitable future.
As a development institution CDOT always take holistic approach of development. Our vision is to reach the people with multiple products as per their requirement. We started working on financial inclusion probably we are among the first few organizations in this sector. Financial inclusion is one area where 360-degree services related to financial services is delivered to clients. We started working in this field from very beginning and now serving to 5 million clients across 6 states. We faced many problems at initial stage but as technology improved now it is real big thing has been created with huge network of BC agents providing all possible kind of services to untouched rural and urban mass. Now all kind of credit is also being proposed through BC network. During COVID period also BC agents worked very bravely and acted as true warriors.
COVID-19 given us a lot of learning. We learnt and converted this into making the organization more efficient and effective. At one stage where every where lock down but we kept on working and developed many inhouse software to operate more efficiently. It helped us to learn working from home and better control and deliveries. CDOT capitalized the opportunity and improved the deliverables to communities.
With a workforce of 200 people that totally depends on revenue was a big challenge for us but we worked kept giving salaries and other things and very smoothly came out. So, lock down opened a new diaspora for us to operate. CDOT believe in delivering meaningful services, our work in skilling the youth and providing loan for sanitation and creating hyper local market has been excellent initiatives and we are delivering best and our team has always been stood behind the cause.
After 20 years of our operation we are fresh full of energy to deliver more and more in rural and urban areas. With our effective work force and also alumni of CDOT has proved that CDOT is capable of handling the things in effective manner. We have young team mixed with experienced people forms a dynamic team.
In coming days, we are working to be more technology driven organization and we are developing software to address the need of the community. We are venturing into rural market, livelihood, training, housing and MSME finance. Creating platform for this.
At last I am thankful to all associated with CDOT for making the institution for great importance. I am thankful to staff and financers who always believed in CDOT. In coming days, we will come out with many more feathers to our cap. Thanks again.
-R.R.Kalyan
