Our Strong and Strict Fundamentals-

• Stringent Expense Control with the Cost of Fund including Interest Cost within 5.82% per annum.
• No Speculative Investment with total Investment in listed Equity shares is less than 1.47% of the Total Assets.
• High-Class Quality Investment, which restricts the net Non-performing Asset Ratio within
  0.03% only.
• Capital Adequacy Ratio of 114.48% as on 31.03.2011 (statutory requirement is 12% only).

Our Controls & Checks-

• Customised Application softwares are being used to provide prompt, error free & secure services to our Esteemed Depositors.
• All Receipts & Payments are possible after a set of foolproof controls without any need for human reconciliation.
• Each & every payment, at all Service Centers is through a computer processed advice issued from Command Office.
• 1478 Service Centers have online connectivity through a network of VSAT's making communication fast & reliable.