BANK HAS APPROVED VARIOUS  AREA SPECIFIC SCHEMES BASED ON THE SUITABILITY TO VARIOUS LOCATIONS AND CONCESSIONS IN RATE OF INTEREST & SERVICE CHARGES ARE AVAILABLE. SOME OF THE MAJOR AREA SPECIFIC SCHEMES ARE AS UNDER:

• SCHEME FOR FINANCING TO FOOD & AGRO PROCESSING UNITS .
• AREA SPECIFIC SCHEME FOR PINEAPPLE GROWERS FOR KOTTAYAM, ERNAKULAM & THRISSUR REGIONS (ERNAKULAM, IDUKKI, KOTTAYAM, PALAKKAD, MALLAPURAM, THRISSUR DISTS OF KERALA STATE)
• AREA SPECIFIC SCHEME FOR TOBACCO GROWERS UNDER TIE UP ARRANGEMENT WITH TOBACCO BOARDFOR VISHAKHAPATNAM, VIJAYAWADA & HYDERABAD ZONE (ANDHRA PRADESH & TELANGANA STATES).
• SCHEME FOR FINANCING TO COLD STORAGE/COLD MANAGEMENT CHAIN .
• SCHEME FOR FINANCING TO RICE / DAL / FLOUR MILL UNITS .
• AREA SPECIFIC SCHEME FOR TIE UP WITH SHRI SIDDHARAMESHWARA AGRO INDUSTIES (SSAI) JLG FOR AMRAVATI REGION (NANDED DIST OF MAHARASHTRA).
• AREA SPECIFIC SCHEME FOR CARDAMOM & BLACK PEPPER GROWERS / PLANTATIONS FOR ERNAKULAM, KOTTAYAM & THRISSUR REGIONS (ERNAKULAM, IDUKKI, KOTTAYAM, PALAKKAD, MALLAPURAM, THRISSUR DISTS OF KERALA STATE)
• AREA SPECIFIC SCHEME FOR DAIRY FINANCE UNDER TIE UP WITH SABAR & BANAS DAIRY IN MEHSANA (GUJRAT STATE)
• SCHEME FOR FINANCING TO POULTRY UNITS .
• AREA SPECIFIC SCHEME FOR FINANCING TO REGISTERED SHGS- KUDUMBASHREE MISSION IN KERALA STATE (MANGALURU ZONE)
• AREA SPECIFIC SCHEME FOR FINANCING TO CASHEW PROCESSING UNITS FOR UDUPI REGION (UDUPI, UTTARA KANNADA DISTS OF KARNATAKA STATE).
• AREA SPECIFIC SCHEME FOR FINANCING TO COFFEE GROWERS AND PLANTERS FOR SHIVAMOGA REGION (BELLARY, CHIKKAMAGALURU, DAVANGERE, HAVERI, SHIVAMOGA DISTS OF KARNATAKA STATE)