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.