They have tremendous penetrative network and presence in small towns and villages across the length and breadth of this country. They primarily cater to the credit needs of small / marginal farmers and rural artisans. The contribution of cooperatives helps the rural people in a major way to keep away from informal sources of finance.
The country is undergoing significant reforms. Inflation is coming down into single digit, the currency is stronger, tourism and investment are growing. Banks, like yours, have a vital role to play with their potential to  2  BIS Review 151/2007  promote the principles of sustainable development through sounder lending and wiser investment.