Gandak Vinivesh Benefit Fund Nidhi Limited  originally operated as a semi-urban and urban poor focused organization, for providing joint liability group based financial services. This population segment was highly underserved by formal financial institutions and presented a significant opportunity for Gandak Vinivesh Benefit Fund Nidhi Limited. to accomplish its financial inclusion objectives.

Gandak Vinivesh Benefit Fund Nidhi Limitedhas, in the recent years, evolved to expand coverage to the rural poor, which now accounts for a significant portion of outstanding portfolio. Gandak Vinivesh Benefit Fund Nidhi Limitedoperates in this segment primarily through the joint liability group (JLG) model.