Based on the potentiality of the borrowers in the district and to suit their timely requirement of funds to carry on agriculture as well as non- agriculture activities, bank has the programme to lend on agriculture and non-agriculture purposes. The Bank has its own lending policies framed by the Board of Directors of the bank.  The major portion of the advances are for coffee, since it is the main crop of the district and also advance on paddy, pepper, ginger, arecanut, rubber,  jowar which are the other crops of our District. Advances on short term agriculture KCC Loan and Medium term loan agriculture like construction of coffee godown/drying yard, farm pond ,purchase of sprinkler sets, farm mechanisation are provided under subsidised scheme which strengthens the farmers with financial stability.

Under Non-farm sector advance,  Jewel Loans with instant gold scheme, Salary loans, Overdraft loans, House/Site mortgage loans, loan for construction of commercial complex, Construction of buildings and also loans for petty businessmen under pigmy overdraft loans, property purchase loan, purchase of solar equipments and also any loan required by the eligible asset holder.

Total lending of the bank to the tune of Rs.550 crores.

Advances are being made out of our own funds and borrowings from NABARD/Apex Bank.