1. Mandatory saving upon being a member.
2. Micro-financial services to target group.
3. Complete micro-financial service package to members / customers.
4. Financial discipline essential for better micro-financial services.
5. Priority to women, dalits, indigenous and minority people.
6. Group guarantee for comparatively smaller loan and collateral guarantee for bigger loan.
7. Periodic but regular installment (principal + interest) repayment.
8. Transparent, prompt and efficient service delivery.
9. Door-to-door service.
10. Based on productive and efficient staffs.
11. Provision of loan service along with other relevant services.