1. Pyasa Kauva : The Famous Frugal Innovator Knowledge Banking approach based on expertise in Microfinance and Social Enterprises sector Effectively Leverage Technology Edge with Frugal Innovations Identification of niche opportunities Financial Inclusion to compliment branch viability Extensive use of Business Facilitators (BF) /Business Correspondents (BC) Frugal Innovations for Financial Inclusion (FI4FI)

2. 2 YES Livelihood Enhancement Action Program (YES LEAP) Lending to Self Help Group (SHG) by leveraging Business Correspondent (BC) model SHG Saving account & individual saving account with the Bank Over 14,000 SHGs, 350 Cr disbursement, 25 BCs, 10 states

3. YES Sahaj Micro ATM Low end mobile handset & Bluetooth thermal printer constitute the Worlds Cheapest Micro ATM i.e YES Sahaj Transactions such as saving, withdrawal & remittance origination facility with triple authentication at customer doorstep Real time tracking of transaction Over 2.5 lakh transactions with an aggregate value of Rs 80 Cr

4. YES Money -Domestic Remittance Service Simple, Secure & Cost effective way of sending hard earned money home Walk into any YES Money outlet and send money to any account instantly(IMPS)/within few hours(NEFT) Integration of existing technologies and network of BC outlets & Yes Bank 10 lakh + Customers – Over 40 lakh transactions, value of over Rs. 2000 Crores conducted, – 12 BC - 13,000 BC Agents

5. Special Recognitions Frugal Innovations for Financial Inclusion (FI 4 FI) Certificate of Appreciation- NASSCOM SOCIAL INNOVATION HONOURS 2012 Frugal Innovations for Financial Inclusion (FI 4 FI) Best Overall Mobile Lifeline Launch Award Connected World Forum Awards 2012 Best Mobile Banking Project YES Sahaj – Micro ATM India Digital Awards 2012 Top 50 Financial Inclusion Projects in India (2011) Frugal Innovations for Financial Inclusion: Mobile Banking Platform YES Money JUGAAD INNOVATION authored by Navi Radjou, Jaideep Prabhu and Simone Ahuja Special mention of YES Money as Technology Powered Inclusive Business Model Among Top Papers (2012) on Innovation Projects at Global Innovation Forum organized by Tata Institute Of Social Sciences (TISS) And Forum For Emotional Intelligence Learning (FEIL)