Financial Inclusion

BUSINESS CORRESPONDENT NETWORK

MSRLS

Sr. No Name of BCs Agency Districts Block Contact No Village Covered Link Branch
1 Gonitha R Marak MSRLS East Garo Hills Samanda 8787816250 Rongbinggre,
Rongbing Apot,
Chiokgre.
Sampalgre,
Kilbonggre
MRB WILLIAMNAGAR BRANCH
2 Banrika Sayoo MSRLS EJH Khliehriat 9366460957 Sohkymphor,
Byrwai,
Rachai,
MRB SOHKYMPHOR
3 Regina Shylla MSRLS EJH Khliehriat 6009687510 Tuber Shohshrieh,
Tuber Kmai
MRB WAPUNG
4 Sani Shylla MSRLS EJH Khliehriat 7085553962 Ladwahwapung,
Umsatai,
Deinsatlang
MRB RYMBAI
5 Sylloklang Nongtdu MSRLS EJH Khliehriat 8837212472 Nongthymme,
Nongsning,
Kairang
MRB KHLIEHRIAT
6 Tressful Dkhar MSRLS EJH Khliehriat 7085458548 Jalyiah,
Mukhep
MRB LADRYMBAI
7 Barisara Majaw MSRLS EKH Khatarshnong laitkroh 6009334712 Madanlyngkhi,
Iewshillong,
Laitmawlong,
Jalynteng,
Madanlyngdoh,
Wahtyngngai,
Madabfootball,
Raid Nongkynroh,
Nongthymmai Lumthangding,
Laitmawrnoh,
RNamkheng,
Iewmawiong,
Umthli,
Mawkynring,
Mawkning,
MRB LAITLYNGKOT
8 Ibilis Nongbri MSRLS EKH Khatarshnong laitkroh 8787866784 Umdiengpoh,
Laitsohpliah,
Dympep,
Synrangsahnoh,
Swer,
Mawrah,
Rangtmah,
Laitumiong,
Wahstew,
Mynsain,
Laitthemlangsah
MRB MAWKDOK
9 Bansara Marbaniang MSRLS EKH Khatarshnong laitkroh 6009436170 Mawklot,
Mawjrong,
Laitkynsew,
Lyngkynshieh,
Kynton Syrwa,
Shankhla,
Nongthymmai Pdeng,
Mawmyrsiang,
Lummawkong,
Diegkynthong,
Lumkyntung,
Umtyngngar,
12 Mer
MRB MAWKDOK
10 Joplanglin Buhphang MSRLS EKH Khatarshnong laitkroh 6009550826 Kshaid,
Mawthawtieng,
Tynniar,
Khrang,
Kongthong,
Warwar,
Phong,
Mawmang,
Krohiawhiar,
Dewiong,
Jarain,
Mawtongngeng,
Puhsbein,
Nongbah Mawsbuit,
Thangtim,
Pdang,
Thangkynta,
Sder,
Mawsohmad,
Nongtraw,
Laitmawsiang,
Mawlyndiar,
Rymmai
Mawskhen,
Mawbawein,
Tluh,
Khohbar
MRB MAWKDOK
11 Moralda Nongrum MSRLS EKH Mawkynrew 9366955467 Mawkynrew,
Jatahlakadong,
Jatah Nonglyer,
Khliehasem,
Umsawwar,
Mynsang,
Nohron,
Nongryngkoh
MRB MAWKYNREW
12 Ridahunshisha Lynshiang MSRLS EKH Pynursla 8787522725 Pongkung
Siatbakon,
Urksew,
Pynursla,
MRB PYNURSLA
13 Chechiana N Sangma MSRLS North Garo Hills Resubelpara 9366084827 Dajonggate,
Moranodi,
Champe apal,
Hatibasha,
Dajonggre,
Damit akong,
Boda Apal
MRB RESUBELPARA
14 Walsri K Sangma MSRLS North Garo Hills Resubelpara 9774774171 Radi,
Nokat,
Motcholpara,
Rebagre,
Songmegap,
Dopa Apal,
Babukona
MRB RESUBELPARA
15 Marcy Marak MSRLS North Garo Hills Resubelpara 8787714701 NA NA
16 Ibakordor Diengdoh MSRLS Ri-Bhoi UMSNING 9612950538   MRB,MAWHATI
17 Lawanshisha Ryntathiang MSRLS Ri-Bhoi UMSNING 8575446068 Mawser,
Umdiker,
Wahlakhar,
Mawpyrhut,
Nongdiengngan,
Nongmahir,
Umshorshor, Lummynri
MRB ZERO POINT
18 Daialis Mynsong MSRLS Ri-Bhoi UMSNING 8974829281 Pamlaban, Umsohlait, Jair, Lamalong, Mawpat, Pamphlang,Pdeng Nongrim,Sonidan MRB MAWHATI
19 Balasiewdor Makri MSRLS Ri-Bhoi UMSNING 8415962996 Nongthymmai, Um Niangbyrnai, Parila, Umran Niangbyrnai, Lumkeni, Nongdewsaw, Umran Dairy, Mawkhap, Rilong, Rongphyrkong, Umnget, Umsamlem, Myrdon Nongbah, Myrdon Mawtari, Nongrim Umskih, Nongmawlong, Kynjoin Umran, Umtasor, Nongjyrmi, Umtasor, Mawdkhar, Mawiapbang, Maweitnar MRB UMSNING
20 Alsona Khyllait MSRLS Ri-Bhoi UMSNING 9485445820 Umbir, Umniuh, Mairungheh, Umtring, Mairung Pdeng, Lawbyrwa, Byrwa, Umtring Dipu, Lumsohphoh, Mawlein, Mawkhan, Sumer, Latara, Umram Blei, Sumer No.4 MRB UMSNING
21 Risuklin Kharkongor MSRLS Ri-Bhoi UMSNING 6009011326 Mawkynrong, Paitklong, Raitong,Tdoh Umsiang, tiehwieh, Nongjri, Nongkya, Sohpdok, Thad, Umrnong, Umtangi, Kseh Kynjoin MRB UMSNING
22 Bobita Rabha MSRLS Ri-Bhoi JIRANG 9378177081   MRB, PATHARKMAH
23 Evanjelis Makri MSRLS Ri-Bhoi BHOIRYMBONG 8732853128 Lumdait khla, Umtung Nongtarian, Lumsohpieng, Umshaproh Nonglamet, Mawtneng, Mawbri, Nongrim Nongladew, Khweng, Madan Rtiang, Mynri Umsning, Itsohpa‐ir, Liarsluit, Thadnongiaw, Kdonghulu, Liarkhla, Madan Nonglakhiat, Umsarang, Lumshyiap,Lumsohphoh,Tyrsha MRB BHOIRYMBONG
24 Evanjelis Makri MSRLS Ri-Bhoi UMLING 8730860874 AMPHANGRE, AMPHER, MATCHOGRE, TAMULKUCHI, AMJOK, BORBHUIN, NONGKYLLA KHASI, UPPER AMJOK, BYRNIHAT, DEHAL BAGAN, HARLIBAGAN, NONGKYLLA MIKIR, UPPER BAGAN, LUM NONGRIM, LUMNONGTHYMMAI, RONGHONA, UMDOH 18TH MILE, 17TH MILE PAHAMLANG, RONGSAKONA,15TH MILE NONGTHYMMAI MRB BYRNIHAT
25 Reena Lyngdoh MSRLS Ri-Bhoi UMLING 8731983253 MAWRYNGKANG, UMTHAM, SOHLAITRIM, UMSAWNOLDHI,
LUMKYA, NARTAP, RYNDHI, MAWSYNTAI, MAWKHL, BORKUSHI, UMSHAKAIT, UMKADUH, UMKYRPIANG, PAHAMRI‐OH LUM, UMSKUN, LUMBYRHING, PAHAMRI‐OH THEM, SHANGBANGLA,UMLYNGKDAIT
UMSHANGLING,UMRANGKSAI,UMSAWNONGBRI,MAWPDANG,NONGBRI, UMKLAI, UMTARIM, UMTA NONGTHYMMAI
MRB MARNGAR
26 Senovia Rynsnon MSRLS Ri-Bhoi UMLING 8415927964 MAWLONG NONGTLUH, NONGTHYMMAI NONGTLUH,MAWLONG SEPNGI,UMTYRLEN, UMLAKHAR, MAWLYNGKDENG, UMKON, SOHTAD, SOHKHAR, JERMANAI MRB UMDEN
27 Cheryan Topsy R Sangma MSRLS South Garo Hills Rongara 8787305343 Naweram MRB BAGHMARA
28 Jethina D Sangma MSRLS South Garo Hills Rongara 6009264480 Gaobari MRB BAGHMARA
29 Latika Koch MSRLS SWGH BETASING 8974079611 Borolatri MRB AMPATI
30 Nenilish Sangma MSRLS SWGH Betasing 9366849311 Baishpara MRB GAROBADHA
31 Bhagabati Hajong MSRLS SWGH Zikzak 6009888917 Tarapara, Melapara, Gopinathkilla, Malmua, Baksapara, Bildoba, Silghaguri, Debajani, Kawahagra, Chibongbongre MRB MAHENDRAGANJ
32 Boklinsha Khar Wanniang MSRLS SWKH Mawkyrwat 9856065104 Rangmaw MRB MAWKYRWAT
33 Biolistina Myrthong MSRLS SWKH Mawkyrwat 7085284614 Pawphlang MRB MAWKYRWAT
34 Bibtidaris Syiemlieh MSRLS SWKH Mawkyrwat 7005859862 Jakrem MRB MAWKYRWAT
35 Lahunshisha Syiemlieh MSRLS SWKH Mawkyrwat 8794157246 Rangthong MRB MAWKYRWAT
36 Eprika Ramsiej MSRLS SWKH Mawkyrwat 8575053930 Pyndensakwang MRB MAWKYRWAT
37 Dayana Thyrniang MSRLS SWKH Mawkyrwat 9402150323 Rangblang Sohsynniang MRB MAWKYRWAT
38 Cantiness Wanniang MSRLS SWKH Mawkyrwat 8258051930 Marshilong MRB MAWKYRWAT
39 Aitimon L Sangriang MSRLS SWKH Mawkyrwat 8787515539 Mawthawpdah MRB MAWKYRWAT
40 Stolline Marak MSRLS WGH RONGRAM 8794267146 EDENBARI, MASUMATAGRE, BOLDAMGRE, ALOTGRE, SORAGRE, KONGBE ADING, DANAK KONGBE, SONANPARA, PENNY VALLEY, AGILLANGRE, RONGKONGRE, ASIPARA, RINGI SONGGITAL. CHANDRAGRE, BADAGONGGRE, GONGRONGGRE, DANAKGRE, ROBAGRE, MANGANCGI. MRB RINGREY
41 Pampi Saha MSRLS WGH DALU 6909055751 KILLAPARA A, KILLAPRA B, CHAIPANI A, CHAIPANI B, PAULPARA, BARENGAPARA, GANGBANGA, DABGRI, GODARI, KUJIKURA, CHANDABOI, SALBARIPARA, DALUGAON, KOINABOI A, KOINABOI B, KONABOI C, KONADUBI MRB DALU
42 Thengchira R Marak MSRLS WGH DALU 7005213803 GONCHUDARE, MOROPGRE, TERIMPARA, JONANGPARA, MAKALPARA, ASIMGRE, ANANGPARA, DIMAGRE, KURAPARA, WAGEGITOK, KHERAPARA. MRB DALU
43 Ruhipaya Suchiang MSRLS WJH Laskein 7005214546/7629896127 Shangpung Pohshnong,Shangpung Mission, Shangpung Koira, Shanngpung Moolibang,Shangpung Khliehmushut MRB SHANGPUNG
44 Kyntulang Phai MSRLS WJH Laskein 8794618228 Kyndongtuber,Pasyih, Pammanik MRB CHUTWAKHU JOWAI
45 Dakaniwan Papiah MSRLS WJH Laskein 7005106821 Thadmuthlong, Muthlongrim MRB SHANGPUNG
46 Da Arwakani Shadap MSRLS WJH Laskein 9366306906 Mynso A, Mynso B, Samatan, Thadialong,Mynskiah Thymme MRB CHUTWAKHU JOWAI
47 Romonky Papang MSRLS WJH Laskein 6909411275 Khliehrangnah,Mynkrem,Moosyiem MRB SHANGPUNG
48 Patiently Dhar MSRLS WJH Laskein 8119025197 Mynska, Khlookynrien, Byrwai,Myntriang MRB SHANGPUNG
49 Lanalut-I Syngkon MSRLS WJH Laskein 7005877244 UMDIENGLIENG,PRIANG MRB IOOKSI
50 Expectancy Synnah MSRLS WJH Laskein 6009271920 IAWTHYMME,SAPHAI MRB IOOKSI
51 Ripynskhem Lamare MSRLS WJH Laskein 9436381799/7641835298 Raliang, Biar, Pyntei MRB SHANGPUNG
52 Wanpyntngen Dhar MSRLS WJH Laskein 8787857395 Mulieh MRB SHANGPUNG
53 Melinda Dhar MSRLS WJH Laskein 9615568151 Sookhlieh, Thadbamon, Lummuriap, Thadialong,Samatan, Thadsning, Bhaun, Moobandu,Umsalang,Musiaw, Latymphu MRB JOWAI
54 Widaroi Shadap MSRLS WJH Laskein 708576560/7642814316 Mowtyrchiah A& B, Mowkaiaw, Mynksan, Ionglang MRB MOWKAIAW
55 Emilia Sten MSRLS WJH Laskein 8119972384 Kyrwen, Madanrwan, Niawkmai,Mooshrot,Sahsniang A&B, Thangthring,Jongkasaro,Tum Tum,Khadkasla,Psiar MRB MOWKAIAW
56 Meristylla Phawa MSRLS WJH Thadlaskein 6009795659 LUMCHYRTOH,WAHRYMBAI,UMMULONG MRB WAHIAJER
57 Thymmai Suting MSRLS WJH Thadlaskein 8787579212   MRB KHANDULI
58 Lovely Lhuid MSRLS WJH Thadlaskein 8730053870   MRB CHUTWACHU
59 Golda Lyngdoh MSRLS WJH Thadlaskein 8729909321   MRB KHANDULI
60 Lucymary Mawlong MSRLS WKH Mairang 6909132772 3 MRB NONGKHLAW
61 Wanhun K Syntiew MSRLS WKH Mairang 9612799819 3 MRB NONGKHLAW
62 Shandalin K Kylliang MSRLS WKH Mairang 6009862489 3 MRB MAIRANG
63 Wanplinaris Wahlang MSRLS WKH Mairang 9366621626   MRB MAIRANG
64 Balarishisha Mawlong MSRLS WKH Mairang 8974536681 4 MRB NONGTHLIEW
65 Anilsha L Nonglait MSRLS WKH Mairang 9366958396 3 MRB NONGKHLAW
66 Aionita L Nongum MSRLS WKH Mairang 8787848809 3 MRB MAIRANG
67 Felisha Basaiawmoit MSRLS WKH Mairang 9862176540 3 MRB MAIRANG
68 Aihunlin Wahlang MSRLS WKH Mairang 8794274428   MRB MAIRANG
69 Hilaris Myrthong MSRLS WKH Mawthadrashan 8113893966   MRB MARKASA
70 Lestina Lyngkhoi MSRLS WKH Mawthadrashan 8371312494   MRB MYRIAW
71 Pynsuklang K Syntiew MSRLS WKH Mawthadrashan 6909117809   MRB KYNSHI
72 Darihun Dkhar MSRLS WKH Mawshynrut 9378051203 6 MRB RIANGDO
73 Landtiful Tympuin MSRLS WKH Nongstoin 9366977261   MRB NONGSTOIN
74 Balarihun Snaitang MSRLS WKH Nongstoin 9402363704   MRB NONDEIN
75 Balakyntiew Syiem MSRLS WKH Nongstoin 9485393432   MRB RAMBRAI
76 Tinaris Khardewsaw MSRLS WKH Nongstoin 6033094456   MRB RAMBRAI
77 Plimiris Marthong MSRLS WKH Nongstoin 9485440671   MRB RAMBRAI
78 Diaris Kharbani MSRLS WKH Nongstoin 6009516706   MRB NONGSTOIN
79 Mumdarismery Khardewsaw MSRLS WKH Nongstoin 7005914558   MRB NONDEIN
80 Nelita Puwein MSRLS WKH Nongstoin 8837222697   MRB NONDEIN
81 Kisrilian Iawphniaw MSRLS WKH Nongstoin 6009402046   MRB NONGPYNDENG
82 Ridalin Iawphniaw MSRLS WKH Nongstoin 6009440883   MRB NONGSTOIN
83 Bitis Dkhar MSRLS EJH KHLIEHRIAT 6009162218 Iongkaluh MRB LADRYMBAI
84 Emidaka Bamon MSRLS EJH KHLIEHRIAT 9863637385 Sutnga,Mookympat,Moopala,Umlawang MRB SUTNGA
85 Graceful Siangshai MSRLS EJH KHLIEHRIAT 8729944584 Mulang MRB LADRYMBAI
86 Kiniki Siangshai MSRLS EJH KHLIEHRIAT 6009173457 Musniangrim,Musniang Jonden MRB LADRYMBAI
87 Lanamika Shylla MSRLS EJH KHLIEHRIAT 6909941756 Cheiruphi, Thangskai,Wahiajer, Umlong, Shymplong MRB LUMSHNONG
88 Lutbiang Dkhar MSRLS EJH KHLIEHRIAT 9366617892 Lumputhoi,Moonongtdu, Rangad MRB LADRYMBAI
89 Perina Kyndait MSRLS EJH KHLIEHRIAT 8132881613 Dkhiah East ,Dkhiah West MRB KHLIEHRIAT
90 Remika Myrchiang MSRLS EJH KHLIEHRIAT 6002085574 Wapungskur, Wapungshnong, Iurim Khliehshnong MRB WAPUNG
91 Threebina lyngdoh MSRLS EJH KHLIEHRIAT 9612956194 Bataw,Lama,Lakadong Umlatdoh,Ummat,Ladlakadong,Umlyngsha,Borghat,Natbor,KwatorPdeinwahkhynriam, MRB RYMBAI
92 Wandakini Phawa MSRLS EJH KHLIEHRIAT 8787320079 Mukhaialong,Mutong,Pynthorsale,Cham Cham MRB WAPUNG
93 Welphi Tariang MSRLS EJH KHLIEHRIAT 6009057034 Lumchyrmit,Cham Cham MRB LADRYMBAI
94 Aroma Pdang MSRLS EJH SAIPUNG 9612958677 Lamyrsiang,Moolamylliang,Latyrke,Tluh,Jarain MRB LATYRKE
95 Genevieve Pala MSRLS EJH SAIPUNG 8837076374 Sakhain,Skhain Moolinen MRB SUTNGA
96 Lalfani Thiaite MSRLS EJH SAIPUNG 8787407756 Kulpui,Lungmaicham,Lura New Tlangmoi,Sarn,Tlangpui MRB LATYRKE
97 Lalramsan Darnei MSRLS EJH SAIPUNG 9863163871 Artan,Moulsei,Teizol MRB LATYRKE
98 Lana Phika Mannar MSRLS EJH SAIPUNG 6002293474 Larket,Mynthning,Semmasi,Shyrwang MRB SUTNGA
99 Lily Mary Pajuh MSRLS EJH SAIPUNG 9366417395 Tangnub,Tongseng Lelad MRB LATYRKE
100 Mary Jone Ngamlai MSRLS EJH SAIPUNG 8837341539 Ngaibang,Saipung,Situng,Tuidam,Tuituk MRB LATYRKE
101 Merinalla Manar MSRLS EJH SAIPUNG 6009563967 Khahnar,Mooknor MRB SUTNGA
102 NilamShuwa Langstang MSRLS EJH SAIPUNG 9366417395 Kyrluh,Narwan,Sahkai,Tympiah Kasu MRB KHLIEHRIAT
103 Shait Dkhar MSRLS EJH SAIPUNG 8837256624 Jalaphet (Bri Sutnga,Bri sumer MRB SUTNGA
104 Unisiness Pakem MSRLS EJH SAIPUNG 7005269233 Mulait Brisumer,Bri Sutnga MRB SUTNGA
105 Markynti Marbaniang MSRLS EKH MAWPHLANG 9612646460   MRB MAWNGAP
106 Ribilin Kharwar MSRLS EKH MAWPHLANG 9436457355 Mawngap Kharshiing,Mawngap Lumparing,Ladumrisain,Mawphlang,Mawphlang Mawkohmon MRB MAWNGAP
107 Judalis Umdor MSRLS EKH MAWPHLANG 6009722123 Tyrsad,Perkseh,Nongmadan,Thainthynroh,Kyrphei MRB TYRSAD
108 Bariseisoh Khongwir MSRLS EKH SHELLA BHOLAGANJ 9366972052 Mawsmai,Mawblang,Saitsohpen,Mawmluh,Wah U tim MRB SAITSOHPEN
109 Joyfulmary Marbanniang MSRLS EKH MAWSYNRAM 9485148346 pongkung,weiloi, dommawria, mawryngkang, kmawan, mawtangor, langsymphut, mawlynnu MRB PONGKUNG
110 Barisha Kharnaior MSRLS EKH MAWSYNRAM 8794094462 lawbah, mawlyngbna, mawtepiew, sinai mawshynrut, nonglait, nongtrai MRB LAWBAH
111 Maphirishisha Nongkhlaw MSRLS EKH MYLLIEM 7629911626 Mylliem,Mawsawa,Demthring,Mawblah,Lyngkien MRB MYLLIEM
112 Renuka Kharkongor MSRLS EKH MYLLIEM 8416023187 Laitkor rngi,laitkor Mawrie,Pomlakrai Pdengshnong,Umiew,Liewlong MRB KSEHBILAT
113 Twinsister One Syiemlieh MSRLS EKH MAWPHLANG 9436506068   MRB NONGSPUNG
114 Lily Fennycia Kharkongor MSRLS EKH MAWLAI 9774233385 Mawlai Mawtawar,Umrynjah,Umphrew,Umsaw,Laitlum,Mawsiatkhnam MRB MAWLAI MAWDATBAKI
115 Anisha Kurkalang MSRLS EKH MYLLIEM 9383365675 Mawnianglah,Mawsing,Pomlum,Baniun,LumDewsaw,Marbaniang MRB POMLUM
116 Melodies Syiemlieh MSRLS EKH MAWPAT 8258827271 Umpling,Rynjah,Nongrah,Mawlynrei,Lapalang MRB RYNJAH
117 Agricia Kharbudnah MSRLS EKH SOHIONG 8787752261 Mawlaingut, mawripih, Nongpathaw, Nongsawiing, kreit, kynroh, dewsaw, mawlaiteng MRB MAWLAINGUT
118 Ibanpynhun Myrboh MSRLS EKH MAWRYNGKNENG 9612291549 Mawryngkneng,Puriang,Kut,Kruin,Ksehpyndeng,Pomlahier MRB MAWRYNGKNENG
119 Erbatemon Nongrum MSRLS EKH MAWRYNGKNENG 8730993313 Tynring,Diengpasoh,Nonghali MRB TYNRING
120 Philamon Kharkamni MSRLS EKH MAWRYNGKNENG 9862409047 Mawsbhuit,Madanrting,Mawblei,Happy Valley,Sawlad,Demthring,Wahtyrthi MRB DEMTHRING
121 Aibalin Nongkhlaw MSRLS EKH MAWRYNGKNENG 8413831729 Sohryngkham,Mawlyngngad,Mawlyndep,Lamlyer,U,phyrnai MRB SOHRYNGKHAM
122 Kduplang Kharumnuid MSRLS EKH MAWPAT 7085853223 Mawkasiang,Nongmynsong,Wahkdait,Itshyrwat,mawdiangdiang,Umroh MRB NONGMYNSONG
123 Simbea D Shira MSRLS North Garo Hills Resubelpara 9366389604 Dome anti, Chipakram, New chipakram, Moina saram, Chidoreng, Hatibasa Garo, Hatibasa Rabha, Hatibasa Belbari, Genang NA
124 Manisa Marak MSRLS North Garo Hills Resubelpara 9366488980 Harinkata Garo, Harinkanta Rabha, Harinkata Bakra, New harinkata, harinkanta Kacharipara, New Miapara, Boro Miapara, Nong Miapara NA
125 Sengchina Marak MSRLS North Garo Hills Resubelpara 6009213788 Damas, Upper Niaboli, Rongsol, Chitukona Garo, Chitukona Rabha, Khaskona, Dokamcheng, Kamalpara, Chimatcha, Nikwatgre NA
126 Babitnam Mahkdoh MSRLS RB BHOIRYMBONG 6009492050 Liarbang, Liarbang Thiahmiet, Umdohthli, Umsohlang, Moiambei, Lumblei, Khlieh Umstem, Mawshrieh, Mawshut, Sohliya, Umpohwin Nongnup, Umpohwin Pdeng, Lummushi MRB MAWLASNAI
127 Ridahun Ramshon MSRLS RB BHOIRYMBONG 6009907189 Kyrdem, Nongthymmai, Sohriewblei, Mawlwai, Mawbsein, Mawblang, Nongpyrdet, Mawkyrdep, Mawpun, Mawdwar, Palwi, Umket, Klew, Mawnohsynrum, Umtung Nongtarian MRB BHOIRYMBONG
128 Nidalsha Masharing MSRLS RB BHOIRYMBONG 9383332054 Khlawblei, Nongrim Umpohwin, Mawlasnai, Umsaw, Sabuda, Jatalong, Lapudui, Khyndewso, Umtlieh, Khlieh Umwang, Madan umwang, Itpatung, Thadrang MRB MAWLASNAI
129 JAYA SHREE RANGCHA MSRLS RB JIRANG 8099417466 UMSHRU, SUKOINIJIRA, BERNONGSAI NONGSPUNG, BERNONGSAI NONGKHLAW, RANIBARI, BALAKHAWA, BILPARA, AKHOINIJIRA, HALHER, NEW BALAKHAWA, BAKHLAPARA, HAWLA, LYNGKHUNG, JIMBRIGAON, PATGOAN MRB PATHARKHMAH
130 IAKMENLANG NONGKHRAH MSRLS RB JIRANG 6003711053 UMSONG, NONGLADEW, NONGBIRLUM, NONGBIRTHEM, JALILUM, JALITHEM, UMMAR, UMRIT, SOHKYRBAM DOMPHLANG, SOHKYRBANG RIM, UMTARSEN, UMTANGAR, UMLUR, UMSHOHPHRIA, UMTAR MRB PATHARKHMAH
131 Philabet Syiem MSRLS RB UMLING 8119006444 DIWON, UMSHIT, KYNTONPHANRAM,UMPYRDONG, LUMDING,NONGTHNENG
,UMDEN NONGTLUH, UMDENKHASI,MANIPUR, LANGPHADUR,BLEISHIAH,UMRANG NONGBAH,UMRANG LYNGKRU
, UMRANG MAWKHEIN ,UMJAREN , PLASHA, RONGJARI, RONGSKONG
 UMSEHKHLIENG, KORSTEP NONGLYNGDOH, KORSTEP NONGTLUH
MRB UMDEN
132 Ridonisha Mawphyniang MSRLS RB UMLING 9774502946 NONGPOH, MAWROH, UMBUDA , PAHAMSYIEM, PAHAMSOHTHRI, MAWDIANGUM, NONGKHRAH, PAHAMMARDOLOI, PAHAMBIRLUM, PAHAMBIRTHEM, MAWIONG ,NONGTYRLAW, PAHAMSHKEN, UMNGEI, IEWMAWLONG, UMJARASI, SAIDEN MRB NONGPOH
133 Weilamon Makri MSRLS RB UMLING 8416069209 UMDIHAR , ERPAKON, SOHLAITTHYMMAI, UMSAWNONGKHARAI, QUININE, JYNTRU, PAHAM INGDING, PAHAMPDEM , PAHAMDUMU ,LANGPOHDON ,NONGRIM JYRMIE, DULONGNAR, PAHAMRINIAI, MAWTNUM MRB NONGPOH
134 CHRYSTALINE M SANGMA MSRLS South Garo Hills Baghmara 8132920857 Nengkong Songmong, Nengkong Chibegre, Eman Warima, Upper Dosogre, Eringre, New Siju Duramong DABIGRE
135 Amchina P Marak MSRLS SGH BAGHMARA 9383243637 Jaksongram, Jangsongram Songgital, Subagre, Dabit Ampangdam, Dabit Songittal, Gonganagar MRB BAGHMARA
136 Chanchana N Sangma MSRLS SGH BAGHMARA 6009737673 Sibbari, Rashnagre, Bamon Wakchol, Bamongre, Dipogre MRB BAGHMARA
137 Juditha N Marak MSRLS SGH BAGHMARA 8837005176 Karukol Jalaigre, Karukol Konagittim, Karukol addingre, Rongchekgre, Balkal Wattre, Tainang Songmong, Goka Wakchol MRB BAGHMARA
138 Noringchi Ch Sangma MSRLS SGH BAGHMARA 8132912492 Mindikgre, Balkal Asim, Darit Asim, Erringre, Asokgre, Rompa Asim MRB BAGHMARA
139 Renatchi T Sangma MSRLS SGH BAGHMARA 7630067255 Denggagre, Bamon Wakchol, Asokgre MRB BAGHMARA
140 Rikse D Shira MSRLS SGH BAGHMARA 9402306256 Maraka Chiring, Chambil Badima, Chambil Baniagre, Domdoma, Banajuri MRB BAGHMARA
141 Jalchina Momin MSRLS SWGH BETASING 8787338828 Murchapani, Nirghini, Adugre,Bolsalgre, Bandoraja, Nagresket, Arenggre, Bainapara, Rosang Abagre, Marpara, Jelbongpara Songma, Godalgre, Damdama, Amjana Rongsang Songma, KAsibil, Baladingre, Malchapara, Sasatbolgre, Muji Agalgre, Masangpani, Baladingre Christian , Salbari, Bollonggitok, Skagre, Golmangre, Betasing Bazar MRB AMPATI
142 Sellorina Ch Marak MSRLS SWGH BETASING 7085947018 Lutubari, Saptoka, Cholitabari, Sonabil, Mokpara, Duguripara, Tokonchi, Bansali, Chondonpara, Chondon Nokat, New Chondonpara MRB GAROBADHA
143 Tengkimchi Marak MSRLS SWGH ZIKZAK 9366318880 Chapahati I, Chapahati II, Chapahati III, Nogorpara, Doromchas, Ulubaripara, Dorgapara, Demdemakona, Tongnapara, Gofraigaon MRB MAHENDRAGANJ
144 Eusevia Syiemlieh MSRLS SWKH Mawkyrwat 6009104436 Domjajew MRB MAWKYRWAT
145 Evanelty S Lyngdoh MSRLS SWKH Ranikor 9863275139 Pyndensynnia MRB MAWKYRWAT
146 Iamonshisha Wanniang MSRLS SWKH Ranikor 9366368676 Nongthymmai MRB MAWKYRWAT
147 Ibakordor Sanglyne MSRLS SWKH Ranikor 9366108337 Nongkdait Nongnah MRB MAWKYRWAT
148 Silkina D Shira MSRLS SWKH Ranikor 9366115411 Lower Puksora MRB MAWKYRWAT
149 Vidaya Sangma MSRLS WGH Dalu 9366228681 THIBAPARA, JOSIPARA, DOLDENGA, DIDOKGRI, SOROKPARA, KOINABOI,KARONGGRE, DELBUGRI MRB DALU
150 Akkime Marak MSRLS WGH Dalu     MRB DALU
151 Bianamartha CH Sangma MSRLS WGH Demdema 8837421219 RONGADATGRE, THAKIMAGRE, RONGMATCHOKGRE, JONGNAGRE,AMOKGRE, DIJINGGRE, SINDAPARA, MENGGOPARA, RONGKONGRE, MISIMANDAGRE, DARENGRE, GIMEGRE. MRB PHULBARI
152 Luskana G Momin MSRLS WGH Demdema 7005955385 SHYAMDING, MASANGPANI, DEMDEMA, BUDUBELA,  BANGRANGGRE, BELBARI, WADAGOKGRE, GIMBIL ADING RANGMALGRE, GOPALTHAN, BHAITBARI MRB PHULBARI
153 Tryna Nikanchi Marak MSRLS WGH Rongram 8974075323 DACHIMAGRE, BOLDORENGGRE, CHASINGRE, RONGANDIGRE, DURAGRE, DARECHIKGRE, UPPER RONGKON, DURA SONGMA, DURA KANTRAGRE, GANOL APAL, GOERAGRE, CHIBRA AGAL, JONGDIKGRE, BURIPARA, URENGGRE, MONDAGRE, DUMINDIKGRE, RANGWALKAMGRE, BABADAM BOLDAMGRE, BOLMAGRE. MRB RINGREY
154 Dikrymount R Marak MSRLS WGH Rongram 9863001289 SONANPARA, CHANDRAGRE, RONGSIGRE, RONGKUGRE, DURA BANDRIGRE, MARAKAPRA MRB TURA
155 Denisha M Marak MSRLS WGH Tikrikilla 9395082350 CHISIKGRE, DOBOKJAKOLGRE, DAMACHIGA, REMBIGRE, MENGGOTCHIGRE, RABAGRE, BONDUKMALI, RONGMALI, RONGALGRE, PHOTAMATI, BORODUBI, KATDONGE, DARENCHIGRE, AMPANGDAMGRE, APAQLGRE, DANDARIGRE, RANGTAPGRE, CHOLAGRE MRB PHULBARI
156 Balahunshisha Suchiang MSRLS WJH LASKEIN 6009495593 MUKROH PYLLUN, SABA MRB MIHMYNTDU
157 Daroiki Rasmut MSRLS WJH AMLAREM 9366129768 SHKENTALANG, JARAIN, THANGBULI, UMLADKHUR. MRB AMLAREM
158 Emphyrmai Dkhar MSRLS WJH AMLAREM 6009348219 TARANGBLANG, SATPATOR, AMLANAI,LAREM SHYIAP, AMSOH RHONG, AMTRA, PAMTBUH,PDENGSHAKAP, PDENGKSEH, LURNIANG, AMLAMET, AMTASAM, JARALOOD. MRB AMLAREM
159 Hamjngai Synnah MSRLS WJH LASKEIN 8119972384 MOWKAIAW, MUKHAP, LASKEIN, NONGKYNRIH, MULUM, IONGKWANG, THANGRAIN MRB MOWKAIAW
160 Mardaiahunlang Dkhar MSRLS WJH LASKEIN 9366530682 BARATO, MAITDIENG, IONGKYNSHUR MRB JOWAI
161 Ripynskhem Dkhar MSRLS WJH THADLASKEIN 9077584149 SABAH MUSWANG, NONGBAH, MOOKASWAN, MOOPASI, MIHMYNTDU MRB MIHMYNTDU
162 Sina Kassar MSRLS WJH AMLAREM 8415847382 SHKENPYRSIT, MUPYUT, MADANTYRPAIT, UMSALANG, MOOSAKHIA, SAMANONG MRB AMLAREM
163 Trephina Muruh MSRLS WJH THADLASKEIN 9366345520 LUMKHUNG, PHLONGINKHAW,NIRIANG, MADUR MRB WAHIAJER
164 Lappelin L Nonglait MSRLS WKH Mairang 9774504761 3 MRB NONGKHLAW
165 Banisha Ryntathiang MSRLS WKH Mairang 6009203426 4 MRB ZERO-POINT
166 Saiolin Khriam MSRLS WKH Mairang 6009759681 3 MRB MAIRANG
167 Batskhem Lyngkhoi MSRLS WKH Mawthadrashan 7005702267   MRB MARKASA
168 Iawanlamtihun Thabah MSRLS WKH Mawthadrashan 6009685363   MRB KYNSHI
169 Dinalin Wahlang MSRLS WKH Mawthadrashan 9612937502   MRB MARKASA
170 Illora Puwein MSRLS WKH Nongstoin 8414046652   MRB NONGSTOIN
171 Rikyntiew Kharsyiemlieh MSRLS WKH Nongstoin 6909642109   MRB RAMBRAI
172 Rebelincy Kharbani MSRLS WKH Nongstoin 9366747330   MRB NONGPYNDENG
173 Shaldaris Ryntong MSRLS WKH Nongstoin 6009246360   MRB NONGPYNDENG
174 Aitidahun Umyiap MSRLS WKH Mawshynrut 9774807154 22 MRB RIANGDO
175 Joplinda Khardewsaw MSRLS WKH Mawshynrut 8837425199 6 MRB SEINDULI
176 Sadhana Sangma MSRLS WKH Mawshynrut 7086455781 10 MRB ARADONGA
177 Ridalin Marthong MSRLS WKH Mawshynrut 9612365667 2 MRB ARADONGA
178 Eusibia N Marak MSRLS WKH Mawshynrut 8974885904 8 MRB RIANGDO
179 Brijillin D Sangma MSRLS East Garo Hills Samanda 9383242564 Dawagittinggre, Dawa Chipit, Dawa Songgital MRB WILLIAMNAGAR BRANCH
180 Flora Dkhar MSRLS EJH KHLIEHRIAT 7005368281 Rymbai MRB RYMBAI
181 Lastly Malang MSRLS EJH KHLIEHRIAT 9774837503 Moopala,Umlawang MRB SUTNGA
182 Ribait Tlang MSRLS EJH KHLIEHRIAT 8415926289 Lumshken,wahsarang,iapmala MRB RYMBAI
183 Kaniwanka Paslein MSRLS EJH SAIPUNG 8575293871 Mynthlu,Kremmyrsiang,Mookhain MRB SUTNGA
184 Lasanki Pyrngap MSRLS EJH SAIPUNG 6001200495 Khaidong,Lumbangla,Lumthari,Moolasngi New,Shnongrim,Shnongthymme MRB LATYRKE
185 Rityroiki Dkhar MSRLS EJH SAIPUNG 6909563110 Daistong,Bamkhohsngi,Lumchyrngan MRB LATYRKE
186 Susmina Lamare MSRLS EJH SAIPUNG 8575293871 Lakasein,Umkyrpong,Muriap MRB SUTNGA
187 Lidistar Sympli MSRLS EJH KHLIEHRIAT 7085227840 Khliehriat East,West MRB KHLIEHRIAT
188 Ibapdianghun Jarain MSRLS EKH SOHIONG 9366909346 Sohiong,kyndong Wahlang,mawjongka,wahlingia,lait nongrem MRB SOHIONG
189 Todatistalang Khongbuh MSRLS EKH Pynursla 8258034547 Nongtyngur,Lumwahniai, Lyngkhat, Nongkyndah, Rimai, Rimassar MRB PYNURSLA
190 Afreesha Lawriniang MSRLS EKH Mawlai 7641044279 Madan Mawkhar, Umphrew,Umrynjah,Mawsiatkhnam,Nongkohlew MAWLAI PUMP
191 Jullish Sangma MSRLS North Garo Hills Bajengdoba 6001762321 Rangagora, Upper Rangagora, Tettliguri, Jetdoba Songgitcham, Jetdoba Nayapara, Upper Sualmari, Lower Sualmari, Bolsong Kamagre, Anne Aga, Sualmari Rabha, Matchuki NA
192 Lubha Marak MSRLS North Garo Hills Bajengdoba 6009700173 Chisim Chirotgre, Chisim Jaropa, Gokol Songma, Gokolgre, Boro Gokol, Choto Gokol, Nachichiram, Singsangre, Rem Songgital, Rem Damalgre, Rongrong Apal NA
193 Ruma Marak MSRLS North Garo Hills Bajengdoba 8787849595 Manda Cheranggre, Manda Chachatgre, Mand Dokugre, Gabil Dajengre, Gabil Metchagre, Gabil Agalgre, Gabil Songgitcham,Gabil Rongmasugre,Gabil Songgital, Gabil Wagopgre, Dalbok Nokat, Dalbot Songma NA
194 Dimchi R Marak MSRLS North Garo Hills Bajengdoba 8131056787 Sildubi, Getapara, Harikona, Merongdik, Matcha Melaram, Baraliapara, Balmuri NA
195 Ivorine Sangma MSRLS North Garo Hills Bajengdoba 9101934806 Lower Bajengdoba, Upper Bajengdoba, Chakodam, Omalpur, Nibari Rangagora, Thorikakona Garo, Thorikakona Rabha NA
196 Beljum D Marak MSRLS North Garo Hills Kharkutta 6002365895 Badaka Rajasali, Badaka, Salbari, Athiabari, Jegalpara, Chiwa Adap, Dobanggal, Kejugittim, Badaka Reserve,  NA
197 Tracy Ch Marak MSRLS North Garo Hills Kharkutta 9862697747 Sari Awe, Upper Sari Awe, Lower Sari Awe, Rodu Jambal NA
198 Tangkamchi M Sangma MSRLS North Garo Hills Kharkutta 9366353237 Upper Chima Impel, Lower Chima Impel, Middle Chima Impel, New JOsha Impel, Nelwa Gurechol NA
199 Ibanrisa Kalwing MSRLS Ribhoi Jirang 6009670712 WARMAWSAW PROPER, WARMAWSAW UMTONGKHARAI,WARMAWSAW NONGLAKAIT, UMSOHBAR,NONGDOM MAWPLIANG, UMTANG PATHARKHMAH
200 Balaiarap Mynsong MSRLS Ribhoi Umsning 6009942844 Mawker , Mawshang, Ti-iamih Lymphuid, Umkhang, Umlaper, Umtrai, Lymphuid MAWHATI
201 Nekita J Marak MSRLS Ribhoi Umling 7640971472 GAMBALBARI A, GAMBALBARI B, BARA KILLING, CHOTTA KILLING, HATIMARA, JORBIL, KILLING, MODEL VILLAGE, UMLANGPUR, NOKSIGITIM, UMDUBA, UMNOWE, UPPER JORBIL BARIDUA
202 Ibanker Shadap MSRLS Ribhoi Umsning 6009277781 Banbudai, Langsaw, Mawlyngkhung, Rtiang, bir, jukiang, syngku, mawtynrah, mawrong, mawlyngai, umkei, nongsangu, umkra, shyntorbulia, syntumaw UMSNING
203 Shidalin Lyngdoh Marshillong MSRLS Ribhoi Umsning 6009912677 Mawhati, Kdohhati, Phrangdngiem, Umwiehsnieh, Laiphew diengngan, Umshiaw, Lumniwar, Laitsyair, Shiliang Umdoh, Umjapung, Umlatar, Umlaiteng, Ksehkynjoin, Mawdiengngan, Jatah MAWHATI
204 Martina Makri MSRLS Ribhoi Umling 8131089071 UMLADOH, UMSOHMA, UMDEN LA-ANG,UMDU, SOHKHWAI, NARANG, PAHAMMAWLEIN, NIANGBARILUM,NIANGBARITHEM, PAHAMSOHBAR,UMDAP RNGI, UMDAP DUMU, UMJONG, SHAKOIKUNA BYRNIHAT
205 Ashana Ch sangma MSRLS SGH Rongara 6009301438 Dilsingre, wachal chiring, tolekbari, rubbergittim, dambuk, panda, agatchikona, dambuk apal MRB BAGHMARA
206 Susime Marak MSRLS SGH Baghmara 7630096891 Nengkong, Matmagitik, Seel Adugre, Emangre, Aruakgre Warima, Gatabil, Emangre, Nokatgre, Tolegre. MRB BAGHMARA
207 Dimse D Sangma MSRLS SGH Baghmara 8787809599 Darang Boldak, Darang Akep, Darang Chiga, Darabg Dura. MRB BAGHMARA
208 Aslik Ch Momin MSRLS SGH Gasuapara 9863542905 Ruga Songmong, Ruga Ading, Doldoma, Dopagre  
209 Sengchi Marak MSRLS SGH Gasuapara 8753958658 Bilkona Duminura, Telekali, Kondok, Ramchengga,Kolapara MRB BAGHMARA
210 Tina M Sangma MSRLS SGH Gasuapara 6009392217 Sibbari, Kongkona, Batabari, Chambiltolejang, Gosegaon,Dimagre. MRB BAGHMARA
211 Dimre B Marak MSRLS SGH Chokpot 9366136972 Mikadore, Bandarigre,Gadak Newpilgre, Sadong songma Dangjingre , Satilokgre, Rongsi Ading MRB TURA
212 Silgrimchy R Marak MSRLS SGH Chokpot 9863083875 Migonpara, Gagagre, Agolgre, wainabang, Bakata, Barsiragre,Danangre, Dibandagre MRB TURA
213 DALMA NERIA CH MARAK MSRLS SWGH RERAPARA 7005680095 Rerapara,Ronggekgre, Teporpara MRB GAROBADHA
214 MARY QUEEN K SANGMA MSRLS SWGH RERAPARA 7085622139 Dengasi,Dalupara,Dopatchigre, New Dengasi MRB GAROBADHA
215 Ermolin Marthong MSRLS SWKH Mawkyrwat 6033142441 Pynden Umjarain MRB MAWKYRWAT
216 Ailomina Thongni MSRLS SWKH Mawkyrwat 9485153574 Photjaud Rangthong MRB MAWKYRWAT
217 Yesfuljoy Thongni MSRLS SWKH Mawkyrwat 9862194030 Wahsiej MRB MAWKYRWAT
218 Melarisha Marshra MSRLS SWKH Mawkyrwat 9436575740 Umdohlun MRB MAWKYRWAT
219 Iarohlang Snaitang MSRLS SWKH Mawkyrwat 9863098079 Mawkhyrwang MRB MAWKYRWAT
220 Lamsuklin Marwein MSRLS SWKH Mawkyrwat 9863763968 Laitlawsnai MRB MAWTHAWPDAH
221 Daplin Hahshah MSRLS SWKH Ranikor 9366901033 Nongjri MRB MAWKYRWAT
222 Leshna M Marak MSRLS WGH Rongram 9362181272   MRB RINGREY
223 Rikkimchi R Momin MSRLS WGH Rongram 9089461409   MRB TURA
224 Nosime M Sangma MSRLS WGH Dalu 7085368642   MRB DALU
225 Silkame B Marak MSRLS WGH Dalu 9019165082   MRB DALU
226 Salchina G Momin MSRLS WGH Tikrikilla 6909046955   MRB PHULBARI
227 Sultana Paravin MSRLS WGH Demdema 7629092979   MRB PHULBARI
228 Asma Begum MSRLS WGH Demdema 6009796456   MRB PHULBARI
229 Pringchi R Marak MSRLS WGH Demdema 9366412525    
230 Rimedy Pohti MSRLS WJH Amlarem 9378175889 Nongtalang Mian, Nongtalang Mission, Nongtalang nongthymmai, Lamin, Sohkha,Amsohmehleng, Kudengrim, MRB NONGTALANG
231 Amwalyne Tariang MSRLS WJH Amlarem 6009124230 Jongushen,Twausdiah, Amsohtai, Amjalong, Syndai pyllun, Amlari. MRB AMLAREM
232 Bobytunisha Lamin MSRLS WJH Amlarem 8837021742 1. Khonglah
 2. Mawngap
MRB AMLAREM
233 Riliancy Suting MSRLS WJH Amlarem 9863850128 Nongbareh rim, Nongbareh lyntiar, Amkoi, Kudengrim MRB AMLAREM
234 Tanamdiam Pohthmi MSRLS WJH Amlarem 9366734283 1. Padu bah
 2. Padu mawsku
 3. Ammutong
 4. Mawlong
 5. Amshipai
 6. Pamtadong
MRB AMLAREM
235 Rima pohtam MSRLS WJH Amlarem 8974768293 Muktapur, bhoi Kyrweng, Amsku, Lakroh, Hartali , Sakhat MRB AMLAREM
236 Haphadapynhun Lamin , MSRLS WJH Thadlaskein 7005979987 Thadmynri, Krem myrsiang, Khonsaro, Lad Myngor, Thadmukoh, Ringkyrtein, Pdeiniawmusiang, Tamu  
237 Wanhidaka thubru MSRLS WJH Thadlaskein 6009762116 namdong A, namdong B, Mukhnang, Umjalisiaw, Madanrtiang, Lumrot MRB KHANDULI
238 Anisha Lamin MSRLS WJH Amlarem 7085487962 Nongbareh rim, Nongbareh lyntiar, Amkoi, Kudengrim MRB AMLAREM
239 Iomilis Lyngdoh MSRLS WKH Nongstoin 9362693768   MRB NONGSTOIN
240 Rikynti Paliar MSRLS WKH Nongstoin 8837332522   MRB RAMBRAI
241 Teiphylla Nongbri MSRLS WKH Mairang 9615029493   MRB NONGTHLIEW
242 Carefully L Mawnai MSRLS WKH Mairang 8787704308 5 MRB MAIRANG
243 Thangrimchi marak MSRLS WKH Mawshynrut 8099560186   MRB ARADONGA
244 Binakshi Pariong MSRLS WKH Mawthadraishan 9366784544   MRB MARKASA
245 Aihun wanniang MSRLS WKH Mawthadraishan 9366848694   MRB MYRIAW
246 Bansiewdor Jyrwa MSRLS WKH Mairang 8729972441   MRB MAIRANG

About Financial Inclusion

Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society. The policy makers have been focusing on financial inclusion of Indian rural and semi-rural areas primarily for three most important pressing needs:

  1. Creating a platform for inculcating the habit to save money 
  2. Providing formal credit avenues
  3. Plug gaps and leaks in public subsidies and welfare programmes 

RBI has initiated several measures to achieve greater financial inclusion, such as facilitating no-frills accounts and GCCs for small deposits and credit. Some of these steps are:

  1. Opening of no-frills accounts: Basic banking no-frills account is with nil or very low minimum balance as well as charges that make such accounts accessible to vast sections of the population.
  2. Relaxation on know-your-customer (KYC) norms: KYC requirements for opening bank accounts were relaxed for small accounts in August 2005, thereby simplifying procedures by stipulating that introduction by an account holder who has been subjected to the full KYC drill would suffice for opening such accounts.
  3. Engaging business correspondents (BCs): In January 2006, RBI permitted banks to engage business facilitators (BFs) and BCs as intermediaries for providing financial and banking services. The BC model allows banks to provide doorstep delivery of services, especially cash in-cash out transactions, thus addressing the last-mile problem.
  4. Use of technology: Recognizing that technology has the potential to address the issues of outreach and credit delivery in rural and remote areas in a viable manner, effective use of information and communications technology (ICT), to provide doorstep banking services through the BC model where the accounts can be operated by even illiterate customers by using biometrics, thus ensuring the security of transactions and enhancing confidence in the banking system.
  5. Adoption of EBT: Banks have been advised to implement EBT by leveraging ICT-based banking through BCs to transfer social benefits electronically to the bank account of the beneficiary and deliver government benefits to the doorstep of the beneficiary, thus reducing dependence on cash and lowering transaction costs.
  6. GCC: With a view to helping the poor and the disadvantaged with access to easy credit, banks have been asked to consider introduction of a general purpose credit card facility up to `25,000 at their rural and semi-urban branches. The objective of the scheme is to provide hassle-free credit to banks’ customers based on the assessment of cash flow without insistence on security, purpose or end use of the credit. This is in the nature of revolving credit entitling the holder to withdraw up to the limit sanctioned.
  7. Opening of branches in unbanked rural centres: To further step up the opening of branches in rural areas so as to improve banking penetration and financial inclusion rapidly, the need for the opening of more bricks and mortar branches, besides the use of BCs, was felt. Accordingly, banks have been mandated in the April monetary policy statement to allocate at least 25% of the total number of branches to be opened during a year to unbanked rural centres.

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.

PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all the households in the country. 

Scheme Details

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Special Benefits under PMJDY Scheme

  1. Interest on deposit.
  2. Accidental insurance cover of Rs. 1 lac
  3. No minimum balance required.
  4. The scheme provide life cover of Rs. 30,000/- payable on death of the beneficiary, subject to fulfillment of the eligibility condition.
  5. Easy Transfer of money across India
  6. Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
  7. After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
  8. Access to Pension, insurance products.
  9. The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Card holder have performed minimum one successful financial or non financial customer induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Channel both Intra and Inter-bank i.e. on-us (Bank Customer/rupay card holder transacting at same Bank channels) and off-us (Bank Customer/Rupay card holder transacting at other Bank Channels) within 90 days prior to date of accident including accident date will be included as eligible transactions under the Rupay Insurance Program 2016-2017.  
    Frequently Asked Questions regarding RuPay Insurance ProgramRuPay Insurance Program
  10. Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.