Financial Inclusion is the process of ensuring access to appropriate financial products and Services needed by all sections of the society in general and vulnerable groups such as weaker Sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players.

What we do?

In order to extend the banking services to the unbanked/under banked villages in the country, our bank has initiated a branch-less banking model through KIOSK model of banking by appointing eligible Business Correspondents.

This Business Correspondents (BC) will be an agent of the bank appointed on contract basis and will be authorized to undertake account opening and transactions on behalf of the Bank.

Our Financial Inclusion initiatives are spread across 4 States viz, Kerala, Tamil Nadu, Andhra Pradesh and Chhattisgarh. We have covered a total no. of 115 villages as on 31.12.2014 under South Indian Bank Financial Inclusion Plan which includes implementation of KIOSK Banking in 54 Sub Service Area allotted by SLBC in lead districts of Kerala.

We have also implemented the concept of Urban Financial Inclusion by implementing Financial Inclusion in 15 urban centres in Kerala and Tamil Nadu.


Mr. Lourthusamy Arokiasamy (L.A.Samy)

Lourthusamy Arokiasamy (L.A.Samy) DoB: 15.02.1951 is a sociologist involved in teaching and conducting workshops and seminars in many universities. Studied in St.Joseph’s College Bangalore and did his PGDS at St.Francis Xavier University, Nova Scotia, Canada.

Author of research on SC s in caste system. Mentored studies on Social protection of informal workers in India, way forward for MNREG programme in Tamil Nadu, Panchayat Raj and the status of primary education in Tamil Nadu.

Founded Association of Rural Education and Development Service in the year 1980 which is involved in rural development with a special focus on women employment, entrepreneur development and job creation for rural population, Constructed four lakes and many check-dams in the rain-fed areas to rejuvenate the water table and improve agriculture.

Constructed over 10,000 houses for the rural poor and instilled 285 drinking water wells to solve the drinking water problem in 300 villages of Karur district.

Founded ARREDS Trust in the year 2005 with a special focus on facilitating practical alternatives in education and in rural development.

Especially organic farming practices and food sovereignty. Practical alternatives in social enterprises where the community takes care of responsible use of resources like water and land and environment to benefit and sustain for their own as well promote it to the next generations.

This also provides trainings to women self help groups and creates opportunities for income generation programmes for sustainable development. Conduct exposure trainings to the University students both national and international universities on practical alternatives. Presently he is the founder and managing Trustee of ARREDS Trust.

ARREDS Trust is an initiative that brings practical alternatives as a sustainable community based development, collectively owned and shared through responsible way of nurturing land, water and all related resources of natures gift to humanity.