While looking into successful microfinance project, NABARD experience from SHG-bank linkage program can be taken as an example. NABARD serves as an apex-refinancing agency for institutions providing investment and production credit for promoting the various developmental activities in rural areas. For its microfinance program, the core strategy is the development of the SHG-bank linkage model to increase its outreach to the poorest. The strategy involves forming small, cohesive and participative groups of the poor, encouraging them to pool their thrift regularly and using the pooled thrift to make small interest-bearing loans to members and, in the process, learning the nuances of financial discipline. Subsequently, bank credit also becomes available to the group, to augment its resources for lending to its members. NABARD sees the promotion and bank linking of SHGs as part of an overall arrangement for providing financial services to the poor in a sustainable manner and also as an empowerment process for members of these SHGs. The SHG-bank linkage program has proved to be the major supplementary credit delivery system with a wide acceptance by banks, NGOs and various government departments.