• All products/services offered equally to smallholder customers;
• Targeted to the deprived sector and people with lower income group.
• Inclusive programs – without considering the economic status, caste, culture, race, ethnic group, political reference, religion etc.;
• Value chain financing model - financial services are provided to all value chain actors.
• Less paper work though easy managerial process through the use of state of art technology;
• Credit plus programs to target customers in alliance with development organizations, particularly on entrepreneurship development and market linkage.
• Social development trainings on the basis of groups’ demand/ necessity.

Micro Banking Products:

1.Mega Priority Sector and Interest Subsidized Loan:

• Priority Sector and Interest Subsidized Loan focuses on below listed categories:
• Youngster aged of 18 years or above and willing to do business on their own,
• Youth wanting to pursue higher studies,
• Unemployed educated person willing to do business,
• Foreign returned youth who wants to start up their business on their own,
• Women who want to do business solely or in a group,
• Suppressed Community people who want to continue their ancestral business in a modernized manner through use of modern equipment etc.,
• Earthquake victims, who are not able to build/rebuild their homes despite having agreement signed with the National Reconstruction Authority.

2.Mega Saral Laghu Karja: