Micro Finance

• SHG Bank Linkage

PDS enables the rural families to avail credit support from the formal banking sector by facilitating SHG bank linkage. In SHG bank linkage the Self Help Group members are linked with the formal banking sector and enable them to avail credit. More than 90% of the SHGs promoted by PDS are directly credit linked with banks and the SHGs are empowered to avail hassle free loans.

• On lending to SHGs

PDS also on lends to SHGs by availing bulk loans from banks and disburse to the SHGs. PDS collaborates with NABARD, KSBCDC, Federal Bank, State Bank of India, etc and extends credit to the rural families at nominal rates. In on lending, PDS adopted group lending mode and provides micro loans to rural families through their SHGs. PDS Micro Finance programme is continuously rated by Care Ratings which enable us to obtain loan from the formal banking sector. We have also a well-maintained on-line software through which the entire programme is effectively implemented and monitored.

• Micro insurance

PDS collaborates with New India Assurance Company and implements health insurance programme for the rural families. Also, PDS promotes various social security schemes of government agencies to cover the life and health risks of the target group.