About Us

Gujarat State Women’s SEWA Co-operative Federation’s history can be traced back to the struggle for workers’ rights led by the Self-Employed Women’s Association (SEWA). Since its inception in 1971 and recognition in 1972, the SEWA trade union has worked actively to promote the rights of women working in the informal economy. But, alongside the struggle for rights was the existing need of the women to earn a livelihood. SEWA initiated several cooperatives for these workers, across sectors. SEWA believes that the cooperative model creates fair employment and decent work, accounting for the needs of women in the informal economy.

Building cooperatives across sectors also brought to the forefront the needs of women workers to efficiently manage the co-operatives and to access markets. At a meeting in April 1992, 900 women from various categories of co-operatives presented issues and problems of their trade to the Union Minister of Cooperatives. While the cooperatives belonged to different trades and services, they all needed a strong, cohesive force that encouraged, catalyzed and led their growth: SEWA Federation was envisioned with this necessity in mind.

On 31st December 1992, India’s first Women’s Federation, the Gujarat State Women’s SEWA Co-operative Federation Limited was formally established. The Federation was tasked with supporting SEWA’s cooperatives in Capacity Building for Management, Marketing, and Policy and Advocacy Interventions with Key Stakeholders.

In 1996, the Federation became a member of the National Cooperative Union of India (NCUI).

Our Vision: To work with collectives that are run by, with, and for poor women to help them achieve full employment and self-reliance at the collective and the member level.

Our Mission:
Since its inception, the SEWA Federation has worked with a singular mission: The holistic empowerment of poor self-employed women, within collectives and co-operatives.

SEWA Federation envisions a business environment where women-run social businesses can compete with other traditional companies by being managed as efficiently as them. To achieve this goal, the Federation has developed the following multi-dimensional strategy:

  • Enable women to gain ownership of their trade through co-operatives and collectives, and to bring them into the mainstream economy.
  • Establish a direct relationship between the producers and consumers, thereby eliminating exploitative middle agents.
  • Advocate for the rights and interests of workers at the State and institutional levels.
  • Train women in management skills like accounting, auditing, marketing, planning techniques, etc.
  • Build the capacity of co-operative and collective members to access useful knowledge and technologies.
A co-operative is a locally created, democratically run enterprise – this means that the workers themselves own the co-operative, make decisions about the co-operative’s functioning, and are users and managers of the enterprise. This form of collectivism not only enables women to participate wholly in the mainstream economy, but also to take ownership of their trade.
Women provide the share capital for the co-operatives and obtain employment from them. One woman may be a member of one or more co-operatives. Each co-operative is run by a democratically elected executive committee of workers. The largest cooperative is SEWA Bank with 1,24,000 members.


SEWA’s co-operatives can be categorized into the following 6 groups:

  • Land-based co-operatives of women farmers
  • Artisanal co-operatives (e.g. block-printers, embroiderers, puppet-makers, etc.)
  • Service co-operatives (e.g. catering, domestic work, cleaning, and construction)
  • Dairy co-operatives
  • Savings and Credit cooperatives
  • Trade and vending cooperatives (fish vendors, etc.)
Livestock rearing is a major source of livelihood in Gujarat. In 1978, SEWA started with organizing these workers in the rural parts of Gujarat, and has since then helped develop 65 co-operatives.
Traditional artisans, especially women, have limited access to markets and are exploited by middle agents. To overcome this issue, SEWA’s Artisans’ co-operative connects artists directly to customers. The Federation tries to create a system through which artisans can get a fair income for their work.


The Federation also partners with various organizations to upgrade artisans’ skills and products as per the market trends and customer preferences. It locates markets for these products and links artisans with public and private organizations for the purchase of raw materials and sales of finished products.
A majority of our members are women who earn their livelihood from land: farmers, salt workers, women who work in stone quarries, etc. SEWA’s land-based co-operatives are mainly agricultural co-operatives that support women farmers based in rural areas.
Cooperatives like Matsyagandha – women fish vendors, have encouraged and enhanced the income generating abilities of women engaged in trading goods as vendors.
Credit co-operatives customize products/services as per the requirements of our sisters. Since nationalized banks did not think our sisters were bankable, SEWA came forward with a bank of our own called ‘The Shri Mahila SEWA Sahakari Bank Ltd.’, in May 1974.


The Bank mainly caters to women with an average monthly income of Rs. 1,500 and an average monthly household income of Rs. 3,000. It offers a range of services including short-term and long-term saving options, pension schemes, loans and insurance products, financial counseling, business counseling, etc. It also provides training programs to increase financial literacy and awareness among its members.


SEWA Bank started with 4000 members, contributing a share capital of Rs.10 each. By the end of 2010, the Bank had over 89,000 account holders with a total working capital of Rs. 115 Crore. Today, the number has increased to 1,24,000 members and a turnover of nearly Rs. 340 Crore.


In 2006, two additional credit co-operatives were registered in Gujarat in the slum areas of Surat and Vadodara, with the aim to provide slum dwellers financial services and housing loans.
SEWA found that women were unfairly burdened with doing both household chores and working at their workplace. To ease this burden, SEWA started offering specialized services to its members in the areas of healthcare, homecare, child care, etc. The Federation also promotes women in various other service sectors like catering, beauty services, videography, construction, etc.

SEWA’s role vis-à-vis the co-operatives has been three-fold, as described below:

  1. To organize the members, help them think through their proposed co-operative’s by-laws and support them until they are registered, have their first general meeting and elect their governing board. Some of the co-operatives are quite independent, while others remain more closely linked to the SEWA Co-operative Federation and count on its support and advice for growth.
  2. To link the members of the co-operatives within their network to different services. While each co-operative is an independent entity, the co-operative members are often members of more than one co-operative. They refer to the services of the other co-operatives within the SEWA co-operative network according to their needs (e.g. healthcare, childcare, insurance and other financial services).
  3. To provide policy advocacy for the members of the co-operatives. SEWA represents the issues and challenges of the co-operatives in policy forums and keeps these primary co-operatives linked to the wider labor movement.

SEWA Lilotri

SEWA Lilotri is a platform engaged in providing small and marginal women farmers and their collective enterprises like cooperatives with fair prices for their produce. SEWA Lilotri also supports the training of women in newer farming practices which allow them to generate premium produce. As of now, this is enabled in 3 principal ways:

  1. Wholesale market access at our shop at Ahmedabad’s Jamalpur APMC Market;
  2. The facilitation of B2B marketing to a growing variety of customers; and
  3. B2C online marketing utilising free-to-use digital tools like WhatsApp and Facebook.

Shop No. 40 ‒ our vegetable shop at Ahmedabad’s APMC Market was initially envisioned to connect SEWA’s farmer-members to SEWA’s street vendor-members, bring transparency to an opaque system where middlemen stood to gain from the information mismatch and thus reduce the high margins charged by commission agents and other intermediaries in the market.

“We have been organizing farmers from different districts and connecting them to the Ahmedabad market, without the exploitation of middle agents. We support them in selling their produce, receiving payments and buying inputs like seeds and fertilizer. Today, we are even able to sell our products directly to consumers using WhatsApp. We make sure to pay the farmers immediately.”
Dinaben, Manager, Shop No. 40, Jamalpur APMC Market, SEWA Lilotri

While playing an important role in facilitating wholesale connections historically, SEWA Lilotri is also able to help our farmer-members access established, stable and secure B2B market opportunities through government tenders and institutional supply arrangements. We are also targeting an expansion in the base of large end-user customers like restaurants, canteens and institutional kitchens apart from newer lines like caterers and cloud-kitchens which will allow for more predictable recurring sales.

On the B2C front, SEWA Lilotri is engaging aggregated communities like institutional campuses, office blocks and housing societies to supply our members’ produce to customers as quickly and conveniently as possible. This is especially helpful for office women who have limited time to go to the market outside of work. The aim is to ensure that our members are able to reach their produce straight to our customers’ doorstep.

To know more about our work or request delivery in your area, email <[email protected]>.

SEWA Kalakruti

About Us

SEWA Kalakruti is a marketing and sales platform for women artisans. It also supports women artisans through various capacity building programs for their skill-building in various crafts and further ensuring their economic empowerment. The journey of SEWA Kalakruti dates back to the initial period of the SEWA movement, which aimed at bringing social change in the lives of women through collective action. SEWA Kalakruti was formally established in 1992 to bring visibility to artisans and their collectives by facilitating their direct access to job work. It now aims to make their handicrafts cooperatives self-reliant and sustainable by marketing and selling their products directly to consumers.

The women artisans at SEWA Kalakruti specialize in the traditional crafts of block printing, patch work-applique, badla and embroidery. The artisans are parts of various local clusters of artisans who are chindi (quilt) makers, weavers, painters, etc based in different parts of Gujarat. Together, they produce a variety of contemporary products ranging from home decor to utility to garments. The handcrafted products are designed and sampled by experienced designers, undergo a strict quality check process and are packed in eco-friendly packaging.

“I used to live within the four walls of my home and I am grateful to SEWA Cooperative Federation for giving me the confidence to go anywhere in the world. From stitching a small flower on handkerchiefs, I have advanced to the stage of crafting carpets. Today, I am a Master Trainer who has taught over 1200 women [including students from design colleges such as NID and NIFT]. I want to revive and strengthen my [Abodana] cooperative and I want to train future women leaders just like me.”

‒ Ayeshaben, Board Member, Abodana Cooperative and SEWA Cooperative Federation
To know more about our products, connect with us on Instagram at @sewakalakruti or email us at [email protected]

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The SEWA Co-operative Federation is registered as a secondary level co-operative and is a state-level organization governed by the co-operative laws of Gujarat state in India.

SEWA Federation has 106-member co-operatives, with around 300,000 women members. All member co-operatives elect 9-15 members who constitute the Board of Directors (BOD). The board meets every three months and an Annual General Meeting (AGM) is held once a year where designated representatives (usually the Chairpersons and the Secretaries) gather to review and adopt the year’s activities and the audited accounts.

The Board elects the President of the Federation, who in turn nominates the Managing Director (MD). The MD works with various vertical teams (currently comprising of agriculture, handicrafts and services which constitute the largest population of self-employed workers in India) and with a horizontal accelerator team (Samuhik Shakti), which works with member co-operatives to build capacity, support training and business planning, and conduct research and advocacy.

Structure of SEWA Federation

SEWA Federation’s Board of Directors comprises of a group of 15 leaders coming from our own co-operatives. These board members represent the various sectors in which the Federation has membership – Agriculture, Dairy, Artisans, Services, Financial Services, and Trade.

Miraiben Chairperson Shree Gujarat Mahila Lokswasthya SEWA Sahakari Mandali Ltd.
Bijalben Director Shree Swashrayi Mahila Nagrik Dhiran SEWA Sahkari Mandli Ltd.
Sadhanaben Director  Saudarya Safai Utkarsh Mahila Sewa Sahakari Mandali Ltd.
Ramilaben Director Shree Rachaita Bandhkam Mahila SEWA Sahakari Mandli Ltd.
Bharatiben Director Shree SEWA Homecare Mahila Sahakari Mandli Ltd.
Daxaben Director Gujarat Mahila Video SEWA Mahiti Comunication Sahkari Mandli Ltd.
Lataben Director Tapi Jilla Megha Adivasi Mahila Kheti Utpadak SEWA Sahkari Mandli Ltd.
Jyotshnaben Director Trupti Nasta Udhyog Women’s SEWA Co.op Ltd.
Rupaben Director The Motipipli Mahila Dudh Utpadak Sahkari Mandli Ltd
Shardaben Director Kheda Taluka Mahila Fruit ane sakbhaji Utpadak Sahkari Mandli Ltd.
Divyaben Director Shri Sangini Mahila Balsewa Sahakari Mandli Ltd.
Jayrajben Director Shree Pethapur Mahila Dudh Udpadak Sahkari Mandli Ltd.
Ayeshaben Director Abodana Mahila Kapad Chhapkam SEWA Sahakari Mandali Ltd.
Kokilaben Director Shobhasan Mahila Dudh Utpadak Sahkari Mandli Ltd.
Mittalben Managing Director Shree Gujarat State Women’s SEWA Co-operative Federation Ltd.
Registrar Invited Member Shree Sahakari Mandli – Ahmedabad, Gujarat Rajya, Gandhinagar
I had hardly heard about cooperatives before I joined SEWA. Amul was already a famous brand and I had seen the film Manthan about how the milk cooperatives in Anand were formed to fight the exploitation of private dairies. But I had no idea how powerful cooperatives could be when in the hands of women. As for everyone who comes to SEWA, my first stop was SEWA Bank—the first women’s cooperative bank in India, and perhaps the world. There is always a certain excitement in the air as one sees women handling money, depositing their hard-earned money and taking loans to build their businesses. There is a spring in the step of women in our bank and an air of confidence. The story of SEWA Bank—from 4000 women with Rs 40,000 share capital to 4 lakh depositors and Rs 300 Crore capital—is inspiring and energising!

Then I learned how unions and cooperatives can work together to fight injustice, poverty and exploitation and put informal women workers firmly on the path to self-reliance from the example of Sabina, our first artisans’ cooperative in the SEWA movement. We had organised ‘khol’ or quilt makers into SEWA, our union, in 1977. Our sisters demanded fair wages from the contractors and merchants who gave them work but paid a pittance. They refused and the women struck work. Their struggle was not successful as the merchants stopped giving them work and they could not hold out for long. It was then that Rahimaben and Karimaben mooted the idea of a unit run by the women themselves which grew into Sabina, a cooperative. When the cooperative was up and running, and more women got work and income, the merchants and contractors were forced to raise their wage rate, as they were not getting enough hands to work for them. Thus, through our organising work, we learned that the joint action of union and cooperatives can be a powerful way for women to become self-reliant and to move towards their goal of economic empowerment.

After SEWA Bank and Sabina, there has been no looking back. My own journey with cooperatives in the SEWA movement began with Sangini, our child care cooperative, and with Lok Swasthya health cooperative. We struggled to register these—each took two years! But it was worth it. A recent stock-taking exercise showed the boards of these to be among the most empowered of those surveyed. Then I was involved with setting up others: Shaishav child care cooperative in Anand, three dai or midwives cooperatives in Anand, Gandhinagar and Mehsana, VimoSEWA insurance e and Megha women farmers’ cooperatives. I have also seen how other cooperatives have grown and become sustainable—Saundarya cleaners’ and Homecare domestic workers’ cooperatives, and many of our milk cooperatives. Today there are 106 cooperatives in Gujarat alone and many more in other states where SEWAs have been formed. Cooperatives are now an inextricable part of the SEWA movement.

But we need to do much more. Sustainability—both financial and in terms of women running their own cooperatives—is an on-going challenge. As the external world of work changes, so also do our cooperatives need to change, adapt and re-orient their economic activities. The challenges are enormous and so are the opportunities. The SEWA Cooperative Federation is fully committed to supporting our sister cooperatives, and ultimately our members, strengthen their work in every possible way that would help them become sustainable, develop young leaders and continue their path-breaking work. We are all in this journey together, with all its ups and downs. We have learned through the years that we must ‘keep on keeping on’ and remain true to our mission of working with, for and by informal workers through cooperatives and with the full support of our union and movement, SEWA.

Mirai Chatterjee,
Chairperson, SEWA Cooperative Federation,
October 11th, 2019