It is an investment bank and not a commercial bank. It is a platform for individual/ institutional/ HUF/ cooperatives / corporate/ society/trust/ firm associations both registered or unregistered and under registration to invest , participate in an investment and as be a client with a project where investment is needed.

The prime Objective of Swadesh Bank is to ensure a good return on equity to its investors and promote economic growth from grass root levels to above the fulcrum.

The central office will be headed by Managing Director and Board of directors assisted by officers of the rank of executive directors, Chief General managers, general managers and executives.
The functions will be to approve proposals for investment, which are larger or mega projects beyond the purview of State level managers.

The investors club, an elite body for investors beyond an amount of 25 INR will be managed from Head office.

The members of investors club will have privileges like secretarial services during their visit, access to the client company news on weekly basis , access to products of Swadesh group of companies and complimentary products as part of trials before release, discounts on the products of Swadesh group , VVIP passes to Swadesh Awards functions, preview of Swadesh movies, access to Swadesh cinemas, Swadesh Aarogya. 

The Head office will be reviewing the audit reports of the client companies, obtaining third party advises for up gradation of production and increasing profitability.

The Head office will be the Superior Appellate authority for any of the dispute resolution. The Authority comprises of  retired Judge, Advocate, Auditor, production engineers and specialists.
The Head office will devise products for the investors with good return on equity. The head office will be fixing the targets for state level offices and also audit the performance of the state level offices in meeting the targets.

The head office will interact with officials and ministers of Govt's and also make representations to Govt. The Head office will be the Chief public relations office which will issue advertisements, statements and interact with media on issues pertaining to bank and the products.

There will be a State office with state manager with the rank of General manager , Chief General manager or Executive Director heading the office.

The head of the office will be assisted by Product managers, Assessment managers, Scrutiny managers to understand the clients project and devise an investment proposal .

The state office shall entertain proposals which are beyond the capacity/ purview of branch for scrutiny modification and approvals.

The investment proposal will be scrutinized, modified and approved in the state level committee.
The state level approval committee will be formulated from time to time by the Head office in charge of the particular state functions.

The state office will have a state level grievance redressal cell which will understand the grievances of both clients and investors . 

The cell will formulate strategies to redress the grief and address the issues upon the settlements done by he branch and state level office pertaining to the investments and projects. All those issues which could not be addressed will be sent to superior appellate authority who will arbitrate the issues and pronounce an award which will be binding upon all the parties.

The state office will be directly responsible for mobilizing investments from HNIs, institutions,
corporate, trusts, associations pension funds etc.
The state office will receive the investments and propose the investments into client projects after scrutiny and interaction and approval by the state approval committee and also the investors.

The state office will be directly responsible for the appraisal , scrutiny and approval of projects within its purview. The projects to be invested will be as per the guidelines received from time to time from head office. The monitoring of the investments made will be the responsibility of state office. 

The state office will conduct meetings between the investors and the clients. It will ensure the better productivity and profitability with the monitoring of the investments.  The profits earned will be shared proportionately between all the investors. There will be an yearly settlement between the investor and the client. 
The settlement will be the responsibility of the state level office and if any could not be arrive it can be routed to grievance cell . The Grievance cell is empowered to conduct negotiations between client and the investors and arrive at a settlement.

The Branch is headed by a branch manager who will be either manager, sr manager, AGM , DGM and also GM in the rank. He is responsible for the overall performance of the Branch. He/ She is assisted by asst managers and managers who are otherwise designated as Product manager, assessment manager, scrutiny manager and relation ship managers. They are responsible for their respective jobs as described.
The product manager will promote products devised by head office and invite investors to invest in the products.
The assessment manager will assess the proposals of the clients project and submit the same for approval by the branch approval committee which will be headed by branch manager as chairman and assessment manager as   Member secretary. The committee comprises of member appointed by state office from time to time. The members will be from professional CS, CA, production engineers, and marketing specialists.
The scrutiny manager will scrutinize the antecedents of the client as filled in the forms. He will also visit the premises and submit his report upon the ability of the client in completing the project. The scrutiny will be done before the proposal is discussed in the approval committee.
The branch manager is responsible for dispute resolution at his/ her level. The branch manager will be assisted by settlement manager in dispute resolution. The state office shall depute its managers to assist in resolving disputes and arriving at settlements to those cases which could not be settled.

Procedures

1) The client/ investor shall open an account with Swadesh bank with the requisite amount .
2) Upon opening of account a CRM will be allotted
3) The investor will be assisted in understanding the approved proposals
4) The proposals of the client will be approved within 3-4 months after receiving the proposal.
5) After the proposal is approved it will be placed before the investors and the investment plan will be devised by assessment manager at branch level, projects manager at state and head office.
6) The investment plan will be placed before the investors and an agreement will be reached between investors and bank.
7) Bank will have an agreement with the client regarding investment, sharing of equity, changes in board of directors and business plan will be approved.
8) Periodic review about the execution of business plan and ratifications of the deviations by the board and by the bank and if the deviation is major in terms of changes due to product/ project environment, Govt policies , the ratification will be done by investors, bank and client.
9) Project management assistance will be provided by the bank by involving third party specialist for development and implementation of the strategy for more profitability.
10) Quarterly results will be assessed and scrutinized by the bank and after discussion with the client the modified approved version will be circulated amongst investors and a copy of the same will be sent to state and head office.
11) All the investments will be placed for settlements within fifteen days and not exceeding three months of the financial year. The settlement will be made within three months between investor , bank and the client.
12) The client shall share agreed portion as service charges towards the investment plan, business plan and mobilizing third party investors either in terms of cash or equity which will be decided on case  to case basis.
13) The investor upon settlement shall pay the bank success fee of settlement a minimum of 5% of the value.
14) The bank also will invest in projects along with investors or only by itself. The bank has the right to invest , divest its equity in any project it prefers.
15) The projects which are not approved can be modified and re-presented. The client can choose to convert his account into investors account or close the account.
16) The client has to give in writing his willingness to open and close the account in both soft and hard copies with all details of KYC. The account will opened and closed with in three days of the request.
On closure of account the money deposited to open the account will be electronically transferred within three working days of the bank.
17) The investors agreed to invest his monies in the client company for an agreed period against equity can not quit mid term. The investment will be locked for the period agreed. The dividends will be paid by bank upon receipt from the client. The investor can withdraw his investments upon completion of period , a request may be made to bank for midterm closure but the reserves the right to accept and finalize alternatives or reject the request for withdrawal.
18) There will be no force coercion by any party regarding any project and any investment. The decision of the bank in the three tier hierarchy will be final and abiding upon all the parties.