Welcome to Meerut city- at an hour’s drive away from the national capital Delhi. It was home to great freedom fighters like Mangal Pandey; also for popular national fairs like Nauchandi. The city now falls in the NCR (National Capital Region) of Delhi. The city is well equipped with medicinal facilities of all kind. However, in the past two decades the city has also gained a name for the manufacture of sports equipments of every sport played in the country.
This is the story of our customer who has not only grown with our association but also keep up the name of the city and the country in the field of manufacturing sports equipments.
Abdullapur is a colony on the outskirts of Meerut, where one has to leave the hustle bustle of the city and cross a stretch of green fields for kilometers and negotiate in the narrow lanes of the colony into a semi-urban dwelling. There, one can easily find the house of Kamlesh, an Ujjivan customer since its inception in Meerut. The house is pretty similar to any other house in the colony but what makes it unique is the stockpile of unfinished wooden logs outside and the sound of motor giving shape to the wood coming from the inside. Here, a lady is on her toes instructing 7 male labourers involved in the manufacturing, processing and packaging of cricket bats.
Kamlesh, wife of Rajender has three sons- Pankaj, Pradeep, Parvesh and the youngest in the family is her daughter Urvashi. The trademark good of the family was shuttle cocks which they continue to produce but at a different site in a nearby village. The diversification to producing cricket bats happened with her association with Ujjvan. She availed `1,00,000 unsecured business loan and scaled up the production to meet the demand of the season (IPL- Indian Premier League). Today her setup has the capacity to produce 5000 bats on contractual basis in a week, which has found buyers both domestically and internationally.
It was in 2010 when she came on board to Ujjvan with a ticket size of 10,000. After repayment of the loan amount in 2011, her GL ticket size was 15,000. She repaid the 2 year loan amount in a year. Soon it was 2013 and her ticket size of 25,000 that she diversified from making only shuttlecocks to producing cricket bats at her home. At that moment, she had only one wood cutting machine at her home. Today she has three machines and has twice availed a loan of `1,00,000 since 2014. The staff of Ujjvan, taking notice of her growing business and repayment potential matured her from group lending to individual.
'At first we were apprehensive about who they are and what they do?' she tells when asked about joining Ujjvan. They had doubts because the matter was financial and a serious one for women, that too in a semi-urban house. The staff of Ujjvan (CRS) regularly visited the houses and motivated them to form groups and avail the facility. The folks there were still hesitant. However, on seeing the other groups do well, Kamlesh initiated a group and approached with the application of amount of 10000. It was the time when she only manufactured shuttlecocks with the 2 labourers she could hire. She recalls it was only at that moment of receiving the amount at the branch, she realized what Ujjvan is and how it works. She developed the responsibility of repaying the installments on time.
As her small unit started growing and producing more, so did her demand for a higher size loans and it was always Ujjvan she banked upon. She never saw the need to approach any other institute or lender for her needs from then. What she now desires is to avail more repeated loans. She quickly wants to repay the previously borrowed loan and wants to borrow a new loan of higher denomination. Today all her sons are studying and do contribute in business activity on holidays.
The real take away for her coming on board Ujjvan was that she never had to look elsewhere for borrowings or for a job and to see her children avail better education and amenities which she never had the opportunity of. She saw her family grow old in the same place where they began and she along with her husband had paved the way for the coming generations in the future.
India has been fortunate that Meerut has provided it with cricketers like of Suresh Raina and Bhubaneswar Kumar and this is just the beginning. The culture of this city to be a sports manufacturing hub is being upheld day by day with the likes of people like Kamlesh and many others.
At last, as these cricket stars have many renowned brands under their belt, customers like Kamlesh are the brand ambassadors for Ujjvan.