STATE COOPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT
the Organisation and its Structure
Bank is the State level apex body of 44 affiliated Primary
Cooperative Agricultural and Rural Development Banks (PCARDBs)
functioning under Federal structure. A PCARDB will have
an area of operation of one to three Taluks. The Bank is
the successor of the former Central Land Mortgage Bank and
the nomenclature was also changed in tune with the enactment
of the Kerala State Co-operative Agricultural and Rural
Development Bank Act 1984. The mission of the Bank is “Comprehensive
Rural Development” of Kerala. In order to achieve this,
the Bank advances investment credit to the rural farmers,
artisans, fisherman and small entrepreneurs both in farm
sector and non-farm sector.
working as Mortgage Banks, the Bank’s priority was in releasing
the farmers from the bonds of moneylenders. Later the emphasis
was shifted to financing income-generating activities in
the field of agriculture and small-scale industries. During
the year 1989-90 housing financing to low income group in
rural areas was identified as a priority area and now the
Bank is actively engaged in the field of advancing term
loans for Rural Housing activities. Thus the Bank is actively
playing the role of the Development Bank in the State.
taluk/sub district level PCARDBs are organized by the association
of like-minded people for the economic betterment of its
members. There are 44 PCARDBs at present in the State and
are affiliated to the state level KSCARD Bank. The KSCARD
Bank and PCARDBs are managed by democratically elected representatives
of the members in line with the Co-operative principles.
The apex organization exerts-financial and supervisory control
and guidance over its affiliated PCARDBs, besides providing
technical financial and man power support. For effective
supervision the KSCARD Bank has 14 Regional Offices at each
District Headquarters. The Bank has two zonal Offices at
Thiruvananthapuram and Kannur for inspection and vigilance.
A well-equipped Staff Training Centre has been set up at
Ernakulam for providing training to the employees of PCARDBs
and the KSCARD Bank.