What MelJol India does

MelJol India is a non-governmental organization founded in 1999 and headquartered in Airoli, Navi Mumbai, that delivers social and financial education programs to underprivileged children, youth, and women in India. The organization evolved from the Child Interaction Program (CIP), a 1991 field action project of the Tata Institute of Social Sciences (TISS), and operates through six core programs: AI LEAP (a five-year integrated life skills, employability, and entrepreneurship program), GRAM-ARTH (rural financial inclusion), Nirmaan Initiative (construction worker welfare), Aflatoun Young Leaders, Aflatoun Women Leaders Programme, and ICYCDP (Integrated Child and Youth-Centric Community Development Program).

MelJol's delivery model is built on proprietary curriculum frameworks, including the 3E Approach (Education, Employability, Entrepreneurship), the CNG Framework (Conserve, Nurture, Grow), and the Barefoot Bankers principle, delivered through Aflatoun Resource Centres (physical community spaces equipped with computers, libraries, and sports kits), school partnerships, trained teachers, and a network of youth leaders and Bank Mitras. The methodology combines activity-based learning with Sports for Development and is aligned with India's National Education Policy 2020 and the UN Sustainable Development Goals.

The organization is funded through individual donations, corporate CSR contributions (including the Indian Premier League), and foundation grants (including HCL Grant), and operates across Maharashtra and Uttar Pradesh with five physical offices and a lean team of 16 employees. MelJol originated the Aflatoun curriculum, which was spun off into Aflatoun International in 2005 and now reaches over 100 countries, and MelJol retains the role of Global Master Trainer for Southeast Asia. To date, the organization reports reaching 2.72 million+ lives, 5,000+ schools, 30,000+ teachers, and 1,200+ communities.

Name

MelJol India

Legal name

MelJol India

Website

https://meljol.org

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

MelJol India is a non-profit NGO delivering life skills, social and financial education programs to underprivileged children, youth, and women across Maharashtra and Uttar Pradesh through schools, Aflatoun Resource Centres, and community partnerships.

Ownership category

akta.pro rank

Product category

Community Development Services

NAICS

Educational Support Services (611710), All Other Schools and Instruction (61169), Child and Youth Services (62411)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Youth-to-Adult Transition & Life Skills (Independent Living, Soft Skills) (EDAAAFAN)

akta.pro secondary industry

Adult Literacy, Numeracy & Second-Chance Education (BPADAKAF)

Keywords

• Financial literacy education
• Life skills training
• Social and financial inclusion
• Child welfare programs
• Community development services

Headquarters

HQ city

Navi Mumbai

HQ country

India

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales, Infrastructure

Revenue model

1. Donations and CSR Funding: MelJol operates as a non-profit organization funded through individual donations, corporate social responsibility (CSR) contributions, and grants from foundations. The organization accepts donations via its website and through partnerships with corporations like IPL for CSR projects.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

MelJol India is an NGO that designs and delivers social and financial education programs to underprivileged children, youth, and women through activity-based learning. Core programs include AI LEAP (a five-year integrated program), GRAM-ARTH (financial inclusion for women via Self-Help Groups), Nirmaan Initiative (welfare for construction workers and their families), and Aflatoun Young Leaders, delivered through school partnerships, Aflatoun Resource Centres, and community networks.

Product overview

MelJol India is an NGO offering a portfolio of complementary educational and empowerment programs built around the Aflatoun framework. The core offerings include AI LEAP (a flagship 5-year life skills and livelihood program), GRAM-ARTH (financial inclusion for rural communities), Nirmaan Initiative (worker welfare), Aflatoun Women Leaders Programme, Aflatoun Young Leaders (AYL), and ICYCDP (Integrated Child and Youth-Centric Community Development Program). Supporting infrastructure includes Aflatoun Resource Centres. All programs follow the Conserve, Nurture, and Grow (CNG) approach and are aligned with SDGs and ESG principles. The organization operates across Maharashtra and Uttar Pradesh states in India.

Differentiator

Problem solved

Functional benefit

Products and services

• AI LEAP
• GRAM-ARTH
• Nirmaan Initiative
• Aflatoun Young Leaders (AYL)
• Aflatoun Women Leaders Programme
• ICYCDP (Integrated Child and Youth-Centric Community Development Program)
• Sports for Development (S4D)

Quantifiable outcome

• 2.72+ Million lives touched across all programs
• +4 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core, minor and major.

• Aflatoun InternationalcoreStrategic or Co-development PartnerMelJol conceptualized and developed the Aflatoun program, which Aflatoun International (founded in 2005 by Jeroo Billimoria) later expanded globally to over 100 countries. MelJol serves as Global Master Trainer for Aflatoun International in Southeast Asia.
• CINI (Jharkhand)coreStrategic or Co-development PartnerMelJol shares its curriculum, training, and handholding support with CINI (a grassroots organization in Jharkhand) for financial education program delivery.
• Nomi NetworkminorStrategic or Co-development PartnerMelJol provides curriculum support and training to Nomi Network for their financial literacy programs targeting women and communities.
• EmpowerHerminorStrategic or Co-development PartnerMelJol provides curriculum and training support to EmpowerHer for financial education initiatives targeting women.
• Survodaya Bank FoundationcoreStrategic or Co-development PartnerMelJol shares its curriculum, training, and handholding support with Survodaya Bank Foundation for financial education and community empowerment programs.
• Tara Mobile Creches (Pune)minorStrategic or Co-development PartnerMelJol provides curriculum support and training to Tara Mobile Creches in Pune for early childhood development and financial literacy programs.
• IPL (Indian Premier League)majorStrategic or Co-development PartnerMelJol collaborated with IPL's CSR Project, demonstrating adaptability, commitment, and strong leadership in program implementation with effective team management and proactive communication.
• Government of MaharashtracoreStrategic or Co-development PartnerGovernment partnerships enhance MelJol's reach, facilitate resource sharing, policy support, and community engagement, ensuring programs reach the right beneficiaries.
• Government of Uttar PradeshcoreStrategic or Co-development PartnerGovernment partnerships in UP support MelJol's programs through policy alignment, resource sharing, and community engagement facilitation.

Scale indicators14 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• CRY (Child Rights and You): Major Indian NGO focused on child rights, education, and welfare for underprivileged children. Comparable to MelJol's child-centered development work and school partnerships; operates at national scale with similar CSR/donor funding model.
• Save the Children India: Large international NGO focused on child rights, education, and welfare in India. Overlaps with MelJol on school-based programming, teacher training, and child welfare advocacy, but operates at far greater scale and geographic footprint.
• Concern India Foundation: Indian NGO operating as a grantmaking intermediary for grassroots education and livelihood programs — comparable to MelJol in supporting community-based education NGOs and serving similar CSR funding channels in India.
• Pratham Education Foundation: One of India's largest education NGOs working on literacy, numeracy, and life skills for underprivileged children. Operates at significantly larger scale than MelJol but overlaps in target population, school-based delivery, and financial literacy programs (Pratham's 'Second Chance' and Arora Initiative).
• Naandi Foundation: Large Indian foundation working on education, livelihood, and child welfare across rural India — comparable to MelJol in scale of school partnerships and youth life skills programs, particularly in rural and tribal geographies.
• SEWA (Self-Employed Women's Association): Large Indian women's empowerment organization running financial literacy, Self-Help Groups, and economic inclusion programs — directly comparable to MelJol's Aflatoun Women Leaders Programme and Bank Mitra Network operating in SHG contexts.

Direct peers

• Aflatoun International: Global social and financial education network founded by MelJol co-founder Jeroo Billimoria; MelJol conceptualized the Aflatoun methodology that this entity scaled to 100+ countries. Direct peer because they share curriculum DNA and MelJol serves as the Southeast Asia master trainer.
• Hand in Hand India: Indian NGO focused on financial inclusion, Self-Help Groups, and women's economic empowerment — closely comparable to MelJol's GRAM-ARTH and Aflatoun Women Leaders programs operating at community and SHG level across rural India.
• Barefoot College: Indian NGO empowering rural and marginalized communities through skills development, with parallel focus on women empowerment and community-driven education — closely aligned with MelJol's GRAM-ARTH and Women Leaders programs targeting rural underserved communities.
• Magic Bus India Foundation: Indian youth-focused NGO using Sports for Development (S4D) methodology for life skills and employability — directly comparable to MelJol's S4D approach combined with socio-financial education. Targets similar underprivileged youth segments in schools and communities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/MelJol
• Facebookfacebook.com/MelJolIndia
• LinkedInlinkedin.com/company/meljol-india
• Instagraminstagram.com/meljolindia

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MelJol India