1st VKC of our Bank was set up in May, 2005. For this innovative initiative our Bank has been awarded the prestigious “Skoch Challenger Award” in March, 2007. Presently, we have more than 200 VKCs across the country. For all round socio economic development of villages, more than 100 villages across the country have been adopted through selected VKCs under "Union Adarsh Gram" project.

• Improving Agriculture
  • Imparting knowledge on new developments, improved methods of cultivation /technologies in the field of agriculture.
  • Dissemination of weather data and agro climatic conditions, latest information on prices of agriculture produce to farmers.
  • Imparting knowledge on diversification of Agriculture and developing Farm-based Enterprises.
• Community Development
  • Formation of Self Help Groups and Farmers Clubs.
  • Disseminating information about various government sponsored schemes.
  • Coordinating with various Govt. departments for developmental activities.
• Financial Inclusion
  • Financial counselling to the rural people for better management of their financial needs.
  • Making command area villages as “100% Banking Habit Villages”.
  • Informing farmers about various schemes/products of our Bank suiting their specific needs.

• Improving Agriculture
  • Impart knowledge on new developments, improved methods of cultivation /technologies in the field of agriculture and dissemination of weather data and agro climatic conditions, latest information on prices of agriculture produce to farmers.
  • Imparting knowledge on diversification of Agriculture and developing at least 2 Farm-based Enterprises in a village per year.
  • Bring in positive change in the livelihood of at least 300 farmers in a year in the command area of a VKC by increased income levels and higher standards of living.
• Community Development
  • Form at least 5 Self Help Groups per village in the command area of VKC.
  • Provide constant support to the SHGs to ensure that at least 75% sustain beyond 6 months to become eligible for bank linkage.
  • Enable the group to graduate economically for taking up income generating activities and increasing their credit absorption capacity.
  • Form at least 1-2 Farmers Clubs per village in the command area of VKC.
  • Create awareness in the command area villages about various government sponsored schemes to take benefit of subsidy/grants.
  • Coordinating with Govt. departments to ensure flow of allocated funds under various developmental schemes to the villages.
• Financial Inclusion
  • Ensure that every family in the command area villages has at least 1 active bank account.
  • Provide financial counselling and inform about various schemes /products of our Bank to at least 5 people in a day.
  • Special attention and counselling to the vulnerable people who are heavily indebted to informal sources of finance and defaulter to Banks/FIs to come out of debt trap.

• Impart knowledge on new developments, improved methods of cultivation /technologies in the field of agriculture.
• Dissemination of weather data and agro climatic conditions, latest information on prices of agriculture produce to farmers.
• Imparting knowledge on diversification of Agriculture and developing at least 2 Farm-based Enterprises in a village per year.
• Bring in positive change in the livelihood of at least 300 farmers in a year in the command area of a VKC by increased income levels and higher standards of living.
• Form at least 5 Self Help Groups per village in the command area of VKC.
• Provide constant support to the SHGs to ensure that at least 75% sustain beyond 6 months to become eligible for bank linkage.
• Enable the groups to graduate economically for taking up income generating activities and increasing their credit absorption capacity.
• Form at least 1-2 Farmers Clubs per village in the command area of VKC.
• Create awareness in the command area villages about various government sponsored schemes to take benefit of subsidy/grants.
• Coordinate with Govt. departments to ensure flow of funds to the villages allocated under various developmental schemes.
• Ensure that every family in the command area villages has at least one active bank account.
• Provide financial counselling and inform about various schemes /products of our Bank to at least 5 people in a day.
• Special attention and counselling for the vulnerable people who are heavily indebted to informal sources of finance and defaulter to Banks/FIs to come out of debt trap.
• Work as a relationship manager between the Bank and the farmers.