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Rural Development & Self Employment Training Institute (RUDSETI) - A movement in self-employment


Rural unemployed youth lack motivation, drive and skills. If technical skills, behavioural inputs and managerial aspects can be infused in them, they could be self employed and the menace of unemployment vis--vis poverty can be mitigated.

Keeping these aspects in mind, two nationalized banks namely Syndicate Bank, Canara Bank joined hands and set up a RUDSETI type Institute in 1982 at Ujire, a small village in Karnataka. RUDSETI was started as an experiment to train the rural unemployed youth in vocational courses of short duration and to make them mentally tough to settle in self - employment.

RUDESTI is a successful experiment and now having a national presence. UCO Bank and Allahabad Bank have already established RUDSETI type of institutes at Howrah and Bolepur (Birbhum) in the State of West Bengal.

United Bank of India set up a RUDSETI type institute at Rajpur, 24 Parganas (South) to create awareness and motivation among the unemployed youth. In return, RUDSETI through training will present them with a good platform of potential entrepreneurs for a healthy credit expansion.

Organisational set up

Experienced officers, who have been deputed from the parent bank, manage the RUDSETIs. However, in Rajpur RUDSETI, UBI posted Centre-in-Charge as Director (Scale IV) and other two officers to assist him on full time basis to look after the day-to-day functioning. The Institution will also have a Local Advisory Committee (LAC)

Selection of Trainees

A potential entrepreneur between the age group of 18 to 35 years with knowledge of reading is eligible for joining the training programme. Branches of UBI and other Banks including RRBs in 24-Pgs.(S) District will receive applications for the training courses from the desirous candidates and forward the same to the Institute. The applications will be scrutinized at the Institute and selection made on the basis of interview.

Other facilities

The Institute will provide free lodging and boarding to the participants. In order to take care of the catering services, it is suggested that the contract may be awarded a well functioning SHG of Women / jointly selected by the DRD, 24-Pgs.(S) and the Bank. It is also suggested that maintenance and superintendence of different works of the Hostel may be entrusted to a competent SHG group on contract basis.

Teaching Method

Duration of the programmes will vary from 6 days to 30 days depending on the nature of activity. Practical training on the activity to be pursued by a participant is also to be provided at the Centre. The Institute has to organize field visits for the participants to have a first hand knowledge about the economic activities.

Faculty assistance may be taken from the selected Institutes, Govt. Departments, Banks etc. on payment of a minimal honorarium. The line departments of the State Govt. will also assist in sponsoring candidates for the training courses.

Ramakrishna Mission Lokasiksha Parishad, Narendrapur is being approached to provide faculty support as and when necessary for this centre.

In addition to the above RUDSETI, the United Bank of India has decided to partner with Ramakrishna Mission Samaj Sevak Sikshan Mandir (RMSSSM), Belur, Howrah and NABARD at equally shared proportion (1:1:1) for setting up of RUDSETI type of institution by sharing the expertise and infrastructure of Mission for conducting skilled and entrepreneurship development programmes both for farm and non-farm activities. Such entrepreneurs after training should be financed by UBI under different State Govt. / Govt. of India sponsored programmes like BSKSP (Bangla Swanirvar Karma Sansthan Prokalpa), PMRY (Prime Minister's Rojgar Yojana), SGSY (Swarnajayanti Gram Swarojgar Yojana), etc.


RUDSETI was inaugurated at Rajpur by the Hon'ble Finance Minister, Govt. of West Bengal, on 14th August, 2007, in presence of UBI's Chairman & Managing Director Shri P K Gupta and Executive Director. The number of participants in the inauguration ceremony were 100.

About setting up of new RUDSETIs in the districts of West Bengal:

Ramkishna Mission Samaj Sevak Sikshan Mandir, Belur Math in collaboration with United Bank of India and National Bank for Agriculture and Rural Development (NABARD) opened another REDSETI at Belur on 17.03.2008. Further, United Bank of India in collaboration with Samayita Math, Bankura and NABARD has decided to open another RUDSETI at the village Ranbahal, Po Amarkanan Dt- Bankura shortly where too regular training on Self Employment schemes will be imparted.

List of RSETIs already in place and functioning in the State are as under :

Sl No. Name of the RSETIs Name of the District Name of the sponsoring Bank
1 UBI RUDSETI, Rajpur 24-Parganas (South) United Bank of India
2 R.K. Mission Samaj Sevak Shikshan Mandir, Belurmath Howrah United Bank of India
3 UBI Shamayita Math RUDSETI, Amarkanan Bankura United Bank of India
4 UBI RSETI, Uttar Dinajpur, Durgapur (near Raiganj) Uttar Dinajpur United Bank of India
5 UCO EDC, Howrah Howrah UCO Bank
6 RUDSETI, Berhampore, Bhakuri Murshidabad Syndicate Bank & Canara Bank
7 ABFETI, Paschim Beguni, PS-Debra Paschim Medinipur Allahabad Bank
8 ABFETI, Bolepur Birbhum Allahabad bank
9 CBI, RSETI, Jalpaiguri Jalpaiguri Central Bank
10 Bank of India, RSETI 24 Parganas (N) Bank of India
13 UCO RSETI Burdwan UCO Bank
14 PNB, RSETI, CONTAI, Purbe Medinipur PNB
16 UBI RSETI, Balurghat Dk Dinajpur United Bank of India
17 UBI, RSETI, Purulia, Hotel Pinaki Sadan,, Namopara Purulia United Bank of India
18 UCO RSETI, Hooghly, near Mankundu Station Hooghly UCO Bank
19 RSETI, Coochbehar, CBI, Pundibari, Coochbehar Coochbehar Central Bank of India

All the RSETIs operating in the State have been advised to start such counseling in addition to their normal training programme in a separate portion of the premises of the RSETI.

Financial Literacy cum Credit Counseling Centers (FLCCs)

The meeting of the Subcommittee of SLBC on FLC was last held on 13th February, 2013, proceedings of which with action points emerging is annexed. Some of the salient points are:
  • FLCs can also be set up in other areas by non lead banks / lead banks.
  • The FLCs and rural branches of the banks would also conduct outdoor Financial Literacy Camps with focus on financially excluded people at least once in a month.

The banks having lead district responsibility have set up FLCs in all the LDM offices. Due to inadequacy of space in LDM Office Nadia, the FLC has been set up in a premise located 100 meters away from the LDM office. The process was completed by October, 2012 but outdoor activities could not be undertaken in a regular manner. RBI has since permitted the banks to engage retired officers for running such FLCs in the LDM offices. The banks are urged to make the FLCs truly operational with mandatory outdoor activities as it is one of the potent weapons to create financial awareness amongst rural mass. Rural branches are also to organize outdoor financial literacy camps at least once in a month.

Subcommittee of FLCC:

At present the following 27 FLCCs are functioning in the State:
Sl no. Name of the center District Sponsoring Bank Lead Bank
1 Rajpur 24 Pgs (S) UBI UBI
2 Tollygunj Kolkata Allahabad Bank    -
3 Suri Birbhum UCO Bank UCO Bank
4 Chuchura Hooghly UCO Bank UCO Bank
5 Barasat 24 Pgs (N) BOI Allahabad Bank
6 Raiganj Uttar Dinajpur UBI UBI
7 Balurghat Dk Dinajpur UBI UBI
8 Belurmath Howrah UBI UCO Bank
9 Howrah GT Road (S) Howrah UCO Bank UCO Bank
10 Lalgola Murshidabad CBI UBI
11 Barasat 24 Pgs (N) Allahabad Bank Allahabad Bank
12  Krishnagar Nadia UBI UBI
13  Bankura Bankura UBI UBI
14 Jalpaiguri Jalpaiguri CBI CBI
15 Kalna Road, Burdwan Burdwan UCO Bank UCO Bank
16 LDM Office Uttar Dinajpur UBI UBI
17 LDM Office Purulia UBI UBI
18 LDM Office Malda UBI UBI
19 LDM Office Purba Medinipur UBI UBI
20 LDM Office Paschim Medinipur UBI UBI
21 LDM Office 24-Parganas (South) UBI UBI
22 LDM Office Murshidabad UBI UBI
23 LDM Office Cooch Behar CBI CBI
24 LDM Office Hooghly UCO Bank UCO Bank
25 LDM Office Birbhum UCO bank UCO Bank
26 LDM Office 24-Parganas (North) Allahabad bank Allahabad bank
27 LDM Office Dakshin Dinajpur UBI UBI