• 2008 - International Year of sanitation - United Nations.
  • To halve by 2015 proportion of people without sustainable access to safe drinking water and basic sanitation - Millennium Development Goal.
  • The day every of us gets a toilet to use, I shall know that our country has reached the pinnacle of progress - Jawaharlal Nehru, Former Prime Minister of India.
  • Water is life: Sanitation is dignity.
  • One sixth (1.1 billion) of the world population do not have easy access to safe drinking water.
  • Half of the world population (2.4 billon) do not have access to adequate sanitation.
  • 2.2 million children die every year from diseases connected with lack of access to safe drinking water and adequate sanitation and 6000 children every day.
  • An average person in the developing world used 10 lirtes of water every day whereas in UK it is 135 litres.
  • Washing hands with soap and water can reduce diarrhea disease by one third.

OUTREACH as on February 2016
Outreach Details
No. of States
No. of Districts
No. of  Branches
No. of loans Feb '16
No. of  Borrowers
Cum. Loans
Disb Feb '16
INR 14.933m
Cum. Loans
INR 802.92m
Gross Portfolio OS
PAR > 180 days
Repayment Rate
Women Borrowers

Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
Guardian MFI - Photos
GUARDIAN is an acronym of Gramalaya urban and rural development initiatives and network, a micro finance institution (MFI) and a not for profit organization with no capital, registered under Sec. 25 of Companies Act 1956 was came into existence from 6.11.2007 with its Administrative office at Raja colony, Trichy and it was promoted by Gramalaya NGO, which is pioneer in the field of water and sanitation for more than 2 decades in Tiruchirapalli District. more info


Mrs.Nagavalli w/ o Mr.Srinivasan, having 1 male child and 4 female children, of which two of the female children are blind is residing at Keela Devadanam area in Srirangam zone of Trichy District. She says that earlier, she use to take water from her neighbor house by paying Rs.30/- monthly. Though Guardian, uniquely lends for water and sanitation at low rate of interest. So she availed loan from Guardian and utilized for water connections. Now all her family members are happy and able to run the business without any problem. Now she could able to get enough water for her use and also help neighbors to take water at free of cost.

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IDS services:

Water.orgl-USA,an international donor agency has come forward to support Guardian in terms of recurring admin cost, basic infrastructures and IDS services.

Governing Bodies:

Guardian is governed by the Board of Directors and will involve in all policy formulations and other important decisions towards development of the organization in all respects. The board participates...

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Once water credit initiatives was launched by Guardian, first of its kind in the world, several agencies, NGOs, donors, international agencies and MFIs have paid visits to Guardian’s field areas and interacted with the borrowers ....

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