Jana Utthan Samudayic Bank has 10 Terai districts from Kanchanpur to Makwanpur and five hill districts (Dadeldhura, Surkhet, Arghakhanchi, Palpa and Lalitpur) as its working areas. The bank has started its operation from Kapilvastu, Nawalparasi and Rupandehi as JUP has its groups functioning in these districts. Bank has now operating through its five branches. Gradually it will move on establishing the branches in other districts as its institutional capacity grows. However, Bank gives more priority to the financially unreached area and people while expanding its services.