The bank has earmarked rural and semi-urban branches each of which will cover at least 5 villages and make these villages '100% Banking Habit Villages. Out of these, some branches work as 'Base Branch' for monitoring the operations of the Business Correspondents who carries the entire Bio-Metric Card process for the bank.

On reviewing the situation and the fast expanding nature of Aadhaar Based Payment technology, the bank has opened dedicated FI branches across India, whose only work will be to carry out the FI initiatives of the bank and monitor the working of the Business Correspondents.

• Identification of borrowers and fitment of activities
• Collection and preliminary processing of loan applications including verification of primary information/data
• Creating awareness about savings and other products and education and advice on managing money and debt counselling
• Processing and submission of applications to banks
• Promotion and nurturing Self Help Groups/ Joint Liability Groups
• Post-sanction monitoring
• Monitoring and handholding of Self Help Groups/ Joint Liability Groups/ Credit Groups/ others and
• Follow-up for recovery
• Disbursal of small value credit
• Recovery of principal or interest
• Collection of small value deposits
• Sale of micro credit products, mutual funds etc
• Receive and delivery of small value remittances and other payment instruments