After making the members psychologically strong and committed to the program, the following activities conducted step by step.

1. Pre-group training:-  A week-long pre-group training is organized with view to select the members who are really motivated, capable and committed. Participants not interested, not committed in the PGT are filtered at this atage.
2. Group formation:- Of the selected member, different groups are formed based on the need and wants of members in which group they like to be joined. Each group comprises of 5 persons with a chair person, a vice-chair person and 3 members.
3. Roles and responsibilities of the chair person, vice-chair person and members:- The roles and responsibilities of the authorities and members are as per the program directives which is shared in the PGT.
4. Centre formantion:- The groups as discussed earlier are organized in different certres. A centre can be of 6 groups in maximum. Each centre is formed with a chief, a vice-chief and all others are as members.
5. Roles and responsibilities of the centre chief, vice-chief and members:- The roles and responsibilities of the authorities and members are as per the program directives which is shared in the PGT.
6. Centre meeting:- Centre meeting is held under the chairing of the chief and the presence of the bank staff once a month. The date, venue and time of the meeting is set by the decision of the previous centre meeting. This is the matter of consensus on a pragmatic way so that it can be arranged on festive occasions.
7. Loan demand and loan sanction:- Needy members can demand loan in the c once a month centre meeting with a short briefing about the plan of the project, total amount to invested, the portion of equity injection. The remaining members assess the feasibility and the required amout. The members can also share the idea about project based on the risk factors. After the discussion, loan is sanctioned on group guarantee of the members
8. Site visit for the assessment of loan utilization:- At the end of the month loan sanctioned, the bank staff, centre chief, vi-chief and guarantors pay visit the site for the verification of loan utilization. After conducting the site visit; loan utilization form if filled up for the official record.
9. Actions to be taken in case of loan mis-utilization:- If the fund is found diverted without utilizing by the members; one month long grace period is provided to the member to invest in the said project. Repayment measures are taken if no correction it is not utilized nn the subsequent site visit.