Identifying customers who regularly pay interest and actively operate their accounts, and then providing them with loans based on their needs, has become a very challenging task. However, due to the bank’s systematic loan disbursement since inception, there has been a consistent increase in loan recovery. As of the end of the financial year, the total outstanding loans of the bank amounted to ₹140.98 crore.

In the current financial year, the interest rate on general loans has been reduced to 15%. Additionally, the interest rate on gold mortgage loans has been brought down to 13%, making loans more affordable for small borrowers. The Board of Directors has also set a goal to offer loans through new and innovative loan schemes.