The basic unit of the PWMACTCS is a thrift group at the village level consisting up to 20 members subdivided in to 5 member groups. Each thrift group elects a delegate for the representative general body. The representative general body will elect Board of Directors. The Board is overall controller of the activities of the society and policy formation, which will meet every month. The president elected by the board will be the head the society and the Chief Executive Officer appointed by the board will be responsible to implement the policies.

The CEO is assisted by 2 Credit Officers, one Resident Officer, one systems Administratator, 3 Field Officers. The other staff includes One Accounts Assistant, Nine Thrift Organizers, One Computer Operator, one Office Boy and a Driver.

At the Village level the operations (collection of thrift deposits and loan repayments) will take place at weekly intervals on fixed day and time. The loan appraisal will be done by the members at the village it self in the presence of Credit Officer of the society.

Area of Operation :
Total No. of Villages 74

District Mandals
1. Visakhapatnam 1. Payakaraopeta
2. Nakkapalli
3. Visakhapatnam Urban
4. East Godavari - Tuni
5. Kotananduru
6. Thondangi
7. Prathipadu
8. Kirlampudi
9. Yeleswaram

Unaudited Reports of PWMACTS