Registered NGO cum Charitable Trust · Patna, Bihar
Connecting rural Bihar to better banking.
We run 491 Customer Service Points that put account opening, deposits, withdrawals and government schemes within walking distance — across 438 villages in 9 districts of Bihar.
A CSP operator completing a biometric transaction at a village kiosk.
455 currently open across 9 districts of Bihar.
Reaching 105 blocks, most without a branch of their own.
Every centre is mapped to a named bank branch.
For most of rural Bihar, the bank was never the problem. Getting to it was.
A household with an account it cannot reach is, in practice, a household without one. The branch is in the block town. Getting there costs a fare and most of a working day, and the trip has to be repeated for every deposit, every withdrawal and every form that was filled in wrong the first time.
A Business Correspondent closes that gap by moving the counter rather than the customer. Parsh Progressive Trust recruits, trains and supervises the operators who staff those counters, and is accountable to the partner bank for every transaction they process.
No journey
The service point is in the village, run by someone who lives there.
No lost day
Banking happens between other work instead of replacing a day of it.
No form-filling barrier
The operator completes the paperwork with the customer, in their language.
No card required
A fingerprint authorises the transaction, so a lost card is not a lost account.
Customers at a village service point — the counter, moved to where people already are.
What you can do at a Parsh service point
Everything below happens in the village, at the counter, usually in a single visit.
Open a bank account
A new savings account, opened in the village with your fingerprint and Aadhaar. No branch visit.
PMJDY · biometric eKYC
Deposit and withdraw cash
Put money in or take it out at the service point, with a printed receipt for every transaction.
AEPS · micro-deposit
Send money to family
Transfer to any bank account in India — to a son working in another state, or back home.
Fund transfer
Check your balance and passbook
Balance enquiry and a mini statement on the spot, and your passbook updated while you wait.
Balance · mini statement
Join a government scheme
Enrol in life cover, accident cover or a pension scheme, and have the forms completed with you.
PMJJBY · PMSBY · APY
Take cash out at a shop
Withdraw cash on your debit card at a participating merchant terminal in the local market.
SBI Cash@POS
Government schemes, enrolled in the village
Every scheme below can be joined at a Parsh service point. The operator checks eligibility and completes the form with you — ask them for the current premium and cover.
A basic savings account with no minimum balance requirement, plus a RuPay debit card.
Life cover for account holders, renewed each year and paid by auto-debit.
Accidental death and disability cover, renewed each year at a nominal premium.
A guaranteed monthly pension from the age of sixty, contributed to over your working life.
Nine districts, 105 blocks, 438 villages
Coverage is concentrated in south Bihar, coordinated from 6 regional offices.
| District | Regional office | Centres | Villages | Blocks |
|---|---|---|---|---|
| Gaya | Gaya | 157 | 153 | 31 |
| Nawada | Nawada | 72 | 70 | 13 |
| Jamui | Jamui | 67 | 66 | 10 |
| Jehanabad | Patna | 40 | 40 | 7 |
| Patna | Patna | 39 | 39 | 12 |
| Lakhisarai | Jamui | 33 | 32 | 6 |
| Rohtas | Sasaram | 23 | 23 | 12 |
| Aurangabad | Aurangabad | 14 | 14 | 9 |
| Arwal | Aurangabad | 10 | 10 | 5 |
| Total | 6 offices | 455 | 438 | 105 |
Figures cover currently active centres. 491 centres are registered in total, of which 455 are open and serving customers.
Every counter has a name above it
Reach is easy to claim and hard to run. A service point that no one supervises stops being a bank counter and starts being a risk — to the customer first, and to the partner bank next.
Parsh operates a multi-tier field structure in which every agent reports to a named supervisor, and every tier answers upward for the tier below it. The trust builds and runs the software that records this: session tracking, target rollup, and an audit trail the partner bank can inspect.
A supervisor reviewing records with an operator during a field visit.
- —
Administrator
Sets targets and holds the partner-bank relationship.
- L4
Project manager
Owns a programme end to end and reports against it.
- L3
Operations manager
Runs service points directly and holds supervisors beneath them.
- L2
District coordinator
Answers for coverage and performance across a district.
- L1
Supervisor
Visits service points and resolves what the agent cannot.
- BC
Bank agent
Runs the counter and serves the customer face to face.
The bottom tier is the one the customer meets. Everything above it exists so that the counter is open, stocked with cash, and staffed by someone accountable.
Find the counter nearest your village.
Search 455 open service points by village, block or district — or call us and we will look it up with you.