NMDFC has following two channels to reach the target groups:

i) STATE CHANNELISING AGENCIES (SCAs)
It is the main channel. SCAs are nominated by respective State Governments. At present, NMDFC has 34 Channelising Agencies and a state-wise list of the same is given in Annexure I.

ii) NON-GOVERNMENTAL ORGANISATIONS (NGOs)
The services of selected Non Governmental Organisations (NGOs) are availed for reaching the Target Groups through SHGs. Such an NGO should be more than three years old, apoliticial, financially sound, engaged in socio economic activities with minimum one year experience in thrift and credit.

 Thus, following channels are available to the beneficiaries/SHGs/NGOs:

		Individual beneficiariesSCAs
		SHGsSCAs
		NGOsSCAs
		OR
		NGOsNMDF