The bank has been giving cash award to the children of the members of the bank, who secure top marks in the SSLC, +2, graduation, post graduation, professional degree courses etc.. etc..
This is a kind of account opened in the bank, created by persons and organizations to provide cash award to the students of different schools and colleges, who make brilliant performance in the examinations
The Risk fund is constituted by the Govt. of Kerala. It is an insurance for all members to write off the loan amount up to Rs. 1 lakh ,in the case of death of the loanee.