SKDRDP initiated a micro-financing scheme known as Pragathinidhi in 1996, which provides loans to members to help promote their livelihoods or develop infrastructure. The main features of Pragathinidhi include the provision of adequate funds without any administrative formalities, a convenient tenure, easy accessibility and easy weekly repayment instalments. The funds required for lending are sourced from bank loans or the savings of the members which are deposited with the group's account.    

In 2003, with plans to extend Pragathinidhi on a larger scale, SKDRDP reinvigorated the program with systematic procedures. The group can now take loans for agricultural purposes, infrastructure development, non-formal sector development activities and group enterprises.

'Pragathinidhi'  has so far funded up to Rs. 2,338.69 crores. 50,584 groups were added this year to the existing 85,826 groups. The loans were given to more than 1,36,400 groups and the recovery rate was 100%. During the year 2010-11, Pragathinidhi saw a leap in its activity amounting to Rs. 779.18 crores in comparison to the previous year's Rs.1,310.11 crores.

No. of loans availed by the members for various purposes under micro-credit: