I READ with interest the paper by Kaladhar (EPW, September 28, 1996). He has raised various interesting issues such as (i) project approach to lending, (ii) financial services from the perspective of rural poor, (iii) approach to delivery of financial services by informal sector, and (iv) successful rural financial institutions (RFls) in other developing countries. This note intends to supplement some of the issues raised by Kaladhar.