SWARNAJYOTHI's mission is to "ensure full access to financial services for every individual and every business." SWARNAJYOTHI works towards achieving this goal through its network of branches in remote rural areas that offer a range of financial products and services. The organisation instils this mission into its business by facilitating and originating financial products and services through a unique branch-based business model called Kshetriya Gramin Financial Services (KGFS), which translates to “Regional Rural Financial Services.”