The Bank offers a wide range of deposit schemes custom made to meet the requirements of all patterns of savings, surplus funds available for differing time spans.  Competitive rates are offered with special incentives to senior citizens and for deposits over Rs. 15 Lakhs and Rs. 1 Crore for certain  maturity periods.  Safe Deposit Locker facilities can be availed from 24 branches.  Same day credit remittances are routinely arranged.

The Bank has launched a variety of loan schemes such as Sanjivani Mortgage Loan Scheme, I.P.O. Financing, Ratna-Trade, Super Secured Loans, Personal Loans, Educational Loans, Ratnakar Kisan Credit Cards etc. designed to meet expectations of financial assistance from the entire cross section of society.

The Bank provides financial assistance to all types of commercially viable enterprises, be it for agriculture, horticulture, dairy, industry, professionals like doctors, lawyers, chartered accountants, traders (wholesale and retail) small borrowers etc. Wherever eligible, refinance is availed from IDBI, SIDBI, and NABARD . This provides source for further financing by the Bank.

In its efforts to be an institution offering comprehensive financial services the Bank has extended its activities into all spheres of financial intermediation.  The major areas are given below.

Since 1st December 1994, the Bank is registered as a Category I Merchant Banker with the SECURITIES AND EXCHANGE BOARD OF INDIA.  It has successfully managed a number of public issues of shares/debentures of reputed companies.

Bank has entered into a tie-up arrangement with The Karnataka Bank Ltd. for providing Western Union Money Transfer services through its designated branches.

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Since February 1996, the Bank has undertaken LEASING FINANCE and plans to aggressively market these services.

Bank is registered participant in the Central Depository Services (India) Ltd., w.e.f. 9th March 2005 and started to provide Depository and Dematerialisation services to its customers.

The Bank has participated in SICOM Venture Fund by investing adequate capital. The fund is jointly promoted by SICOM and nationalised and scheduled commercial banks. The main object of the fund is to assist by way of capital participation as well as to provide advisory services to medium and small-scale units.

Bank has cash management arrangements with several financial institutions enabling it to arrange Remittances/Drafts on various locations in any part of India.

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The Bank has plan to open new branches at Kalva, Virar, Yevur, Bandra, Vashi Mumbai, Baner, Hinjewadi (Pune), Gurgaon, Noida, Hyderabad, Jaynagar-Bangalore (Karnataka State) &  Kagal,  Malkapur (Kolhapur).

• Opening and Maintaining No Frill accounts.
• Issue of 1st pass book, statement of accounts, term deposit receipts, and cheques for saving deposit account.
• Balance enquiry (including enquiry relating up to 2 years old record)
• Providing Eletronic Claring Services except return cheques.
• National Electronic Fund Transfer – for Inward transactions only.
• Collection of Local cheques
  Cash Deposits for Saving, Term Deposit, and Current and cash credit
  A/c up Rs.5.00 lacs
  Cash payment through all types of accounts

• Collection of Deposit receipts of other Banks
• ATM services
• Standing instructions for debit / credit of internal transactions
• Guidance for various all type of deposits and advances accounts, ancillary Banking services.
• Inter branch transfer of Rs.10, 000/- under CBS.