Sewa Bank exists to reach to maximum number of poor women workers engaged in the unorganized sector and provide them suitable financial services for socio-economic empowerment and self development, through their own management and ownership.
Based on its ideology and long experience of working to mainstream poor women workers in the informal sector, SEWA Bank's approach to banking has been to consider the life cycle needs of women and to then try to meet those needs.

In studying the lifetime needs of poor women workers, SEWA Banks experience has been that they are mostly trapped in the vicious cycle of poverty and the main objective is to help women get out of this spiraling poverty syndrome.