The face of Government not seen at the field level.

Most followed model in government sector(Bulk lending Model)

The Institution can easily partner with the future DPMU's enunciated in NPEP

Takes time to adapt to changing conditions.

Should be very careful while selecting partners.

Cannot assess the loss or profit quickly.

Ready access to rural poor.

Can easily change models according to the wishes of the needy.

Can easily know where the bank is headed.

Needs to deploy massive man power.

Needs the most professional approach which is usually difficult in government set up.

Till now there is no successful model of government sector run Microfinance.

We have considered taking into account the present direct microfinance and Bulk Lending Models. The present strategy is prepared by blending both the models so that advantages of both can be maximized, minimizing the disadvantages.