Established in 2007, Gramalaya Urban And Rural Development Initiatives And Network (GUARDIAN) is an MFI that promotes water and sanitation facilities through the provision of financial services and technological assistance to urban and rural low income communities. It is engaged in microlending to the communities that lack access to credit for the creation of individual toilet and water connection facilities as so many MFIs are engaged for the promotion of income generation, livelihood promotion and other consumption loan. GUARDIAN’s mission is to promote individual water and sanitation facilities through financial services under water credit concept and technological input to the aspired communities in urban and rural sector at national level in coordination with other NGOs, MFIs, national and international agencies with integrated approach.