The Business Correspondent (BC) model, adopted by SKDRDP helps to reach out to the needy community. SKDRDP has been working as the BC of the state owned State Bank of India (SBI) and has been promoting SHGs in the backward districts of North Karnataka ever since January 2009. Under this model SKDRDP promotes the SHGs, links them to the branches of SBI and handholds these SHGs for development. Acting as BC, SKDRDP does banking services at the door step of the SHGs. This has ensured that a large number of SHGs can transact with the bank with the help of remote hand held devices through which all transactions take place. During the report year, 32,005 SHGs were linked to the branches of SBI resulting in a cumulative saving of Rs. 21.39 crores and credit outgo of Rs. 227.53 crores. Considering that most of this money worked as an alternative channel to the poor farmers against usurious loans granted by the money lenders for farming activities, the works of SKDRDP has helped the community to come out from the clutches of the money lenders.