Products and Services
Offering a Comprehensive Product Suite for All Customers
To cater to our customers' diverse and ever-changing needs, we have developed a comprehensive range of products and services. We have also established a robust asset-liability franchise and offer third-party products through multiple delivery channels. This enables us to provide our customers with a seamless and convenient banking experience while ensuring that their financial requirements are met with agility and efficiency.
Asset
MicroBanking
Offerings
- Group Loans (GL)
- Individual Loans (IL)
- Top-up Loans - GL, IL
- Pre-Approved Loans - GL, IL Water and Sanitation Loan (WATSAN) Loan, Guaranteed Emergency Credit Line (GECL), National Urban Livelihoods Mission (NULM)
- Gold Loan
Unique deposit products for MicroBanking customers
- Sampoorna Nidhi
- Sampoorna Lakshya
Asset book
Customer base
Micro, Small and Medium Enterprises (MSME)
Offerings
- Business EDGE Loan and Overdraft Facility
- Secured Enterprise and Business Loan
- OD against Property
- Loan against Property
- Loan against Rent Receivables
- Supply Chain Finance through Fintech Partnerships
- Credit Guarantee Trust for MSME Scheme
- Navnirman Loans (GECL)
Mobile banking application users^
Customer base
Affordable Housing
Offerings
- Construction and Purchase
- Home Improvement
- Composite Home
- Home Equity Loan
- Commercial Purchase Loan
- Micro-LAP
Asset book
Customer base
Vehicle Loans
Offerings
- Two-wheeler Loan
Asset book
Customer base
Financial Institutions and Government Banking Group
Offerings
- Term Deposits/Certificate of Deposits/Current Accounts
- Term Loans to NBFCs and MFIs
- Working Capital Products (CC/OD/WCDL)
- Bank Guarantee
Asset book
Total customer base
Agriculture & Rural Banking
Offerings
- One-stop shop for all the banking needs of the customers through unbanked rural centres, offering the entire range of products offered by our Bank
-
Secured Agriculture Loan
- KPC-Crop Loan
- KPC-Poultry Loan
- KPC-Pisciculture Loan
Liability
Retail
Offerings
- Current Account – QR Facility
- High-net-worth individuals (HNIs)s
- Savings Account
- Term Deposit
- Non-Resident Account – OD against FD
- Digital Savings and Fixed Deposits
Institutional
Offerings
- Fixed Deposit
- Term Money
- Current Account
- Certificate of Deposit
- Call Money Products
- G-Sec Trading
Total Deposits
CASA
Retail TD
Bulk TD
Total customer base
Third-party Products
Life insurance
Partners
- ICICI Prudential Life Insurance
- Bajaj Allianz Life Insurance
- Aditya Birla Sun Life Insurance
- HDFC Life Insurance
- Max Life Insurance
Offerings
- Credit Life Insurance
- Term Insurance, Endowment and PAR Products
- POS and ULIP
Lives insured
General insurance
Partners
- ICICI Lombard General Insurance
- Bajaj Allianz General Insurance
Offerings
- Motor, Property, Home Content
- Personal Accident
Assets/Lives secured
Health insurance
Partners
- ICICI Lombard General Insurance
- Bajaj Allianz General Insurance
- Care Health Insurance
Offerings
- Hospital Daily Casht
- Health Indemnity/Family Floater
Lives secured
