1. Savings first.

2.  Target-based approach in micro financial services.

3.  Total services (inclusive of special support) in package to its clients.

4.  Financial discipline is must for micro financial services.

5.  Priorities to women, minorities, Dalits, and Janajaties in micro-finance services.

6.  Non-collateral based lending (group liability) and individual liabilities for special package program.

7.  Transparent and fast track service delivery approach to its clients.

8.  Services will be conducted through Service Delivery Centers (SDCs).

9.  Lean and smart manpower based organization.

10.  Credit plus approach is endeavored in micro financial services. The bank will make its best efforts in coordinating such services to the clients.