The recruitment of banksaathis (commission-based agents) was an innovative experiment that allowed women clients to transact with the Bank in flexible hours without leaving the confines of their homes/shops. The banksaathis, who come from the same communities as the clients they serve, are now the Bank’s frontline workers. Other innovative products include insurance (life, health, assets, widowhood and accidents) and pensions in collaboration with the UNITTrust of India Asset Management Company. In 2011 SEWA Bank was also appointed by the Pension Fund Regulatory and Development Authority in India as an aggregator to distribute the National Pension System (NPS)-Lite Pension product.