contents · financial parameters of urban co-operative banks 57-58 marketing co-operative sector...

Administrative Report 2011-12 & 2012-13 Co-operation Department

II

CONTENTS

Particulars Page No.

About Co-operation Department 1-3

Structure of Co-operation Department 2

Administrative Set-up of Co-operation Department 3

West Bengal Cooperative Registration Council 4

West Bengal Co-operative Tribunal 5

West Bengal Co-operative Service Commission 6

Co-operation Directorate at a glance 7

Types of Co-operative Societies 8

Number of Co-operative Societies 9

Budget vis-a-vis Sanction for last three years 9-10

Samabay Bhavan 11

Rural Infrastructure Development Fund (RIDF) 11-12

Rashtriya Krishi Vikas Yojana (RKVY) 13-14

Short Term Co-operative Credit Sector (STCCS) 15-41

Structure and Overall Performance of STCCS 15-16

Performance of WBSCB 16

Performance of CCBs 16-25

Position of Self Help Groups in STCCS 26-30

Success Story of Hooghly DCCB Ltd. 31

Performance of the Primary Cooperative Credit Societies 32-38

Success Story of Ehiapur SKUS Ltd. 38-39

Success Story of Dhalhara Khandagram SKUS Ltd. 39

Success Story of Dolgram SKUS Ltd. 40-41

Long Term Co-operative Credit Sector 42-48

Position of Primary CARD Banks (PCARDBs) 43-46

Success Story of House Dairy Project – Financed by Burdwan CARD Bank 47-48


III

Particulars Page No.

Consumers’ Co-operative Sector 49-53

Position of Wholesale Consumers’ Co-operative Societies 49-50

Success Story of Malda Wholesale Consumers’ Co-operative Society Ltd. 51-53

Urban Co-operative Credit Sector 54-58

Role of Urban Credit Sector 54-55

Type-wise number of Urban Co-operative Societies 55-56

Financial Parameters of Urban Co-operative Banks 57-58

Marketing Co-operative Sector 59-61

Fertilizer business by PACS and PAMS 59-60

Success Story of Gangarampur ACMS Ltd. 60-61

Industrial & Housing Co-operative Sector 62-65

Training in Co-operative Sector Performance of WBSCU 64-65


IV


V


1

Government of West Bengal Co-operation Department

Cooperative movement with its wide network supported by horizontal and vertical connections had started to make its presence felt in the State in the late 19th century and connected various sections of the people with a special emphasis on agriculturists and rural artisans with the purpose to increase the productivity in agriculture and agriculture-allied sector to improve the living standard of the rural people. At the outset, cooperative sector’s growth was fuelled by the rural credit cooperative movement. The movement was further strengthened with the enactment of Cooperative Societies Act in 1904. The absence of banking and credit facilities forced the farmers to go with folded hands to the unscrupulous money-lenders and mortgagers for loan to carry on their agricultural activities right from the purchase of seeds, fertilizers and other inputs required for this purpose at an exorbitant interest on almost non-repayable terms and conditions. Co-operative sector in this country as a whole and in this state in particular has been playing a significant role towards the socio-economic development of the masses. Such effort of the co-operative sector have resulted an impressive progress in a number of economic activities. Thus, co-operatives have come as a boon for the poor especially for the small and marginal farmers, for agricultural credit has remained in focus since initiation of the movement in this country. With a number of activities taken up from time to time by the co-operative sector, the following activities as undertaken by the co-operatives are the most important ones.

Dispensation of short term and long term agricultural credit. Providing banking facility at the rural level thereby ensuring financial inclusion. Supply of agricultural inputs like fertilizer, pesticides etc. Procurement of agricultural produces and arrangement of marketing the same. Establishing cold storages. Ensuring employment for the unorganized labourers. Ensuring employment for the unemployed youth. Organization of Self-Help Groups with specific aim of empowerment of women. Distribution of consumer articles through consumer co-operative societies.

With such important sustainable activities taken up by the co-operative societies, they have a potential to augment resources thus gradually become self-reliant. The Government in its Co-operation Department has been continuously allocating fund especially for creation of infrastructure under a number of schemes like, Rashtriya Krishi Vikash Yojana (RKVY) and Rural Infrastructure Development Fund (RIDF). The cooperative sector flourishes in our state with active participation and cooperation of the State Government.


2

While the Cooperation Department expounds the policies, the Cooperation Directorate through its Zonal and Range Offices execute those policies in a veritable manner so that all types of registered cooperative societies function for the fulfilment of their objectives with due observance of relevant Act and Rules. The function of the Audit Directorate is to conduct audit of the cooperative societies under the direction and control of the Cooperation Department. Besides these two Directorates, West Bengal Cooperative Service Commission, West Bengal Cooperative Tribunal & West Bengal Cooperative Registration Council have been constituted. The Service Commission conducts the written Examinations & Interviews for the selection of candidates for their recruitment in the respective Apex and Central Cooperative Societies in the State as per West Bengal Co-operative Societies Act & Rules. The West Bengal Cooperative Tribunal acts as Appellate Authority in respect of the disputes arbitrated by the Registrar of Cooperative Societies. The West Bengal Cooperative Registration Council deals with the matter relating to registration of the proposed cooperative Societies and registration of the amendment of Bye Law of the registered Cooperative Societies whenever such matters are referred to them by the registering authorities or the promoters of such societies.

Fig. 1: Structure of Co-operation Department


3

Fig.2: Administrative Set-up of Co-operation Department


4

WeST BenGAL cOOPerATive reGiSTrATiOn cOUnciL

According to the provision of Sec.95 of the West Bengal Co-operative Societies Act, 2006; there is a West Bengal Co-operative Registration Council comprising of three members to dispose the applications for the registration of a new co-operative society and amendment of bye-laws as transferred to them by the Registrar in terms of sec. 16(8) and Sec. 19(4) of the WBCS Act, 2006.

Fig. 3: Constitution of West Bengal Co-operative Registration Council


5

WeST BenGAL cOOPerATive TriBUnAL Constituted for the first time in the year 1974 by the State Government, West Bengal Co-operative Tribunal exercises all the powers conferred upon an Appellate Court by order XLI in the first Schedule of the Code of Civil Procedure, 1908 in respect of the co-operative societies in terms of Sec.146 of the WBCS Act, 2006. This Tribunal consists of 3 members – a Chairman, one Judicial Member and one Administrative Member.

Fig. 4: Constitution of West Bengal Co-operative Tribunal

Details of Cases filed and disposed of at the Co-operative Tribunal during 2011-2012

Sl. No.

Description Case Received Cases Disposed of Cases Pending Old Case New Case

1 Registered Appeal 41 25 28 16 2 Un-Registered Appeal 25 8 8 9 3 Miscellaneous Case 9 1 2 6 4 Review Case Nil Nil Nil Nil

Details of Cases filed and disposed of at the Co-operative Tribunal during 2012-2013

Sl. No.

Description Case Received Cases Disposed of Cases Pending Old Case New Case

1 Registered Appeal 47 33 6 41 2 Un-Registered Appeal 28 6 4 24 3 Miscellaneous Case 4 2 3 1 4 Review Case 2 Nil Nil 2


6

WeST BenGAL cOOPerATive Service cOmmiSSiOn As provided in Sec.95 of the WBCS Act, 2006, the Co-operative Service Commission has been functioning for the purpose of recruitment of staff in various co-operative societies mentioned in the 5th Schedule of the Act. This Service Commission was constituted for the first time by the State Government in the year 1994 under Sec. 38 of the previous WBCS Act (1983).

Fig. 5: Constitution of West Bengal Co-operative Service Commission

Secretary [ Additional Registrar of Co-operative Societies ]

Deputy Secretary [ Joint Registrar of Co-operative Societies ]

Assistant Secretary [ Assistant Registrar of Co-operative Societies ]

Head Assistant

Upper Division Clerk

Lower Division Clerk

Group-D

Table: Performance of the West Bengal Co-operative Service Commission during the last three years : On the basis of the requisition of different types of Co-operative Societies, the Co-operative Service Commission conducted written examination followed by viva-voce and thereafter made recommendations for taking further action by the respective societies -

Year Recommendations

Officers Clerical cadre Total

2010-11 43 81 124

2011-12 36 62 98

2012-13 80 259 339


7

Co-operation Directorate at a glance

The key role towards development of co-operative societies in this State is being played by the Co-operation Directorate with its Head Office at New Secretariat Building; 1, Kiran Sankar Roy Road, Kolkata-700001. It has 22 offices at the Range level and three Zonal offices at Siliguri, Burdwan and Kolkata. The Co-operation Directorate is headed by the Registrar of Co-operative Societies as per the provision of Sec. 12 (1) of WBCS Act, 2006.

Fig. 6: ADMINISTRATIVE SET-UP OF CO-OPERATION DIRECTORATE

Registrar of Co-operative Societies, West Bengal

Additional Registrar of Co-operative Societies, West Bengal

Joint Registrar of Co-operative Societies, West Bengal

Deputy Registrar of Co-operative Societies, West Bengal

Assistant Registrar of Co-operative Societies, West Bengal

Co-operative Development Officer

Inspector of Co-operative Societies

ESTABLISHMENT

P. A. to the RCS, WB

Head Assistants

Upper Division Assistants

Lower Division Assistants, Typists,

Stenographers

Group-D

Zonal Offices covering a number

of Ranges at Central, Western

and Northern Zone under one Joint Registrar of Co-

operative Societies

22 Range Offices covering a

District/part of a District under one Deputy/Assistant

Registrar of co-operative Societies

Inspector of Co-operative Societies posted at block level

Co-operative Development Officers, Inspector of Co-operative Societies and establishment section at Range

Headquarters


8

Main functions of the Co-operation Directorate: Registration, amalgamation and liquidation of co-operative societies. Development of co-operative societies through Government schemes. Arbitration of disputes. Inspection & inquiry of co-operative societies.

Important Types of Co-operative Societies

Even though co-operative societies have registered their presence in every sector in this State, the most important ones can be categorized into three prominent sectors as shown below.

Number of societies and number of members during 2010-11, 2011-12 and 2012-13 are given below:-

Sl. No. Year Number of Societies Number of members 1 2010-11 25265 6171667 2 2011-12 25515 6777152 3 2012-13 25607 6965159


9

Some of important categories of cooperative societies

Type of Societies Number (As on 31-03-2012)

Number (As on 31-03-2013)

Central Co-operative Bank (CCB) 17 17

Co-operative Agriculture & Rural Development Bank (CARDB) 24 24

Urban Co-operative Bank (UCB) 42 44

Wholesale Consumers’ Co-operative Societies 30 30

District Co-operative Union (DCU) 22 22

Primary Agricultural Marketing Co-operative Societies (PAMS) 256 237

Primary Agricultural Credit Co-operative Societies (PACS) 5950 5919

Employees’ Credit Co-operative Societies (ECCS) 6157 6186

Primary Consumers’ Co-operative Societies (PCCS) 1673 1574

Mahila Credit Co-operative Societies 60 60

Urban Credit Co-operative Societies 137 140

Labour Contract Co-operative Societies 1787 1749

Engineers' Co-operative Societies 1593 1602

Housing Co-operative Societies 6079 6083

Service Co-operative Societies 240 259

Co-operative Cold Storage Societies 29 22

Processing Co-operative Societies 6 8

Horticulture Co-operative Societies 39 39

Other Co-operative Societies 1374 1592

TOTAL 25515 25607

Different schemes of the government under plan heads implemented during 2010-11, 2011-12 and 2012-13

Sl. No.

Sector & Schemes

2010-11 2011-12 2012-13

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

1 Direction & Administration 0.25 0.00 5.90 0.00 23.00 17.25

2 Training 145.00 93.10

300.00 169.26 390.00 287.99

2a Training for SHG 20.00 15.00 60.00 32.00

3 Audit of Coop. Societies 53.75

46.46 0.00 28.00 21.00

4 Information & Publicity (Publication) 10.00 8.53 15.00 7.03 35.00 16.03

4a Information & Publicity (Computerization)

250.00 85.90 90.00 78.53 100.00 67.50

5 Assistance Agril. Marketing Societies 40.00 0.00 56.25 27.38 50.00 34.00

6 Assistance to Apex Marketing Societies 10.00 0.00 1554.10 1532.71 25.30 7000.00


10

Sl. No.

Sector & Schemes 2010-11 2011-12 2012-13

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

7 Organization of Bailing Plants 0.10 0.00 0.05 0.00 0.05 0.00

8 Share Capital of Rural Godowns 0.00 0.00 0.00 0.00 0.00 0.00

9 Share Capital of IFFCO 0.10 0.00 0.05 0.00 0.05 0.00

10 Seed Development Project 20.00 0.00 5.00 0.00 0.50 0.00

11 Development of Processing Cooperatives 50.00 0.00 8.35 30.00 10.00 7.50

12 Establishment of Cold Storage 805.40 455.86 501.65 342.04 505.00 305.75

13 Establishment of Storage Godown 270.00 69.78 75.00 33.98 0.20 0.00

13a Establishment of Coop. Farmers' Service Centre

30.00 10.00 30.00 20.00 30.00 0.00

14 Distribution of Consumers Article in Rural Areas

50.00 10.75 25.00 18.60 50.00 37.29

15 Development of Urban Consumers' Cooperatives

150.00 70.88 100.00 45.37 150.00 100.87

16 WB Agril Credit Relief & Guarantee Fund 0.10 0.00 0.05 0.00 0.05 0.00

17 Emergency Fund for Agril. Credit Coop. - Indebtedness

0.10 0.00 0.05 0.00 0.05 0.00

18 Strengthening of CCBs 0.10 0.00 0.10 0.00 100.00 0.00

19 Special Bad Debt Reserve for CCB (Risk Fund)

300.00 224.99 400.00 185.46 280.00 342.88

20 Assistance to CCBs for writing of Bad Debt

0.10 0.00 0.10 0.00 0.10 0.00

21 Special Bad Debt Reserve for PACS (Risk Fund)

600.00 450.00 800.00 559.71 560.00 685.76

22 Assistance for Universal Membership 25.00 15.43 50.00 19.66 50.00 38.09

23 Assistance for LAMPS 0.10 0.00 0.10 0.00 0.10 0.00

24 Common Cadre Fund 0.00 0.00 0.00 0.00 0.00 0.00

25 Strengthening of PACS 400.00 298.81 580.00 449.76 700.00 390.54

26 Supply of Long Term Credit (Risk Fund) 450.00 333.54 580.00 450.00 700.00 700.00

27 Subsidy for delay in Machinery equipments

0.05 0.00 0.05 0.00 0.10 0.00

28 Integrated Co-operative Development Project (ICDP)

1000.00 738.63 350.54 1.24 800.00 137.50

29 Investment in Shares [NRC(LTO)] 300.00 0.00 30.00 0.00 25.00 0.00

30 Purchase of Debenture 5.00 0.00 5.00 0.00 0.10 0.00

31 Deposit Guarantee Fund 0.10 0.00 0.10 0.00 200.00 0.00

32 NODC Loan 0.05 0.00 0.05 0.00 0.05 0.00

33 Development of Urban Credit Cooperatives

75.00 60.75 60.00 31.28 50.00 34.63

33a Development of Women Credit Cooperatives

97.60 34.99 100.00 64.22 100.00 38.15

34 Assistance for offsetting Imbalances in CCBs

519.00 149.01 100.00 0.00 100.00 113.39


11

Sl. No.

Sector & Schemes 2010-11 2011-12 2012-13

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

Budget Provision

Fund Sanctioned

35 Assistance for offsetting Imbalances in PCARDBs

10.00 0.00 5.00 0.00 1.00 0.00

36 Development of Unemployed Engineers' Coop.

20.00 0.00 10.00 1.80 5.00 1.00

37 Agril. Credit Stabilisation Fund 0.10 0.00 0.05 0.00 0.05 0.00

38 Development of Housing Co-operatives 50.00 0.00 50.00 0.00 50.00 37.50

39 Development of Labour Co-operatives 20.00 0.00 10.00 3.63 5.00 0.00

40 Construction of Samabay Bhavan 250.00 9.48 675.00 345.00 975.00 490.78

41 MFPI Grant 100.00 83.05 111.00 111.00 64.80 0.00

42 Assistance for Revival of UCBs 1093.00 3261.93 450.00 0.00 676.50 0.00

TOTAL 7200.00 6465.40 7200.00 4542.66 6900.00 10937.40

43 Rashtriya Krishi Vikas Yojana (RKVY) 1800.00 2448.92 2258.00 1129.00 7752.00 1706.94

44 Rural Infrastructure Development Fund (RIDF)

3000.00 312.66 1000.00 616.51 1500.00 444.42

GRAND TOTAL 12000.00 9226.98 10458.00 6288.17 16152.00 13088.76

Status of Samabay Bhavan: There is a plan of the State Govt. to bring the wings of the Co-operation Department including offices of some important apex institutions under one roof phase wise at all the Ranges in the State. Funds have been sanctioned for construction of Samabay Bhavan at some of the Ranges viz. for Burdwan-I at Burdwan, for Burdwan-III at Asansol, for Paschim Midnapore at Midnapore and for purchase of land at a cost of Rs. 9,48,182.00 for Bankura at Bankura. Out of these, 99% works of the Samabay Bhavans at Burdwan, Asansol and Midnapore are likely to be completed within 2013-14. In the ensuing years, it is expected that Samabay Bhavans will come up at North 24-Pgs., Malda, Coochbehar, Purulia and Dakshin Dinajpur Ranges.

Implementation of Rashtriya Krishi Vikash Yojana and Projects under

Rural Infrastructure Development Fund Rural Infrastructure Development Fund was introduced in the year 1995-96 by the Government of India. The main objective of this Fund was to extend soft loan to the State Governments and Government undertakings to complete the ongoing infrastructure and also to create new infrastructure relating to irrigation, soil conservation, watershed development, reclamation of waterlogged areas, construction of marketing infrastructure, seed, agriculture and horticulture farms, animal husbandry, fishing harbour/ jetties and development of riverine fisheries, pay and use toilet in rural areas.


12

Funding to the tune of 95% under this Fund comes from NABARD in the form of a soft loan to the State Government payable on quarterly basis and the rest 5% from the beneficiary society. The Co-operation Department has been identified to participate in the project in 2009-10 (RIDF-XV) for construction of storage godowns, creation of cold storage and processing co-operative societies. 40 number projects for construction of godowns were contemplated at the end of 2009-10 and with completion of other formalities all the projects have been launched in the next year and by the end of 2011-12, 13 projects have been completed and others awaiting completion. The number of beneficiary society along with storage space and expenditure incurred year wise are detailed herein under.

Scheme Projects undertaken

Year No. of beneficiary

co-operatives

No. of godown

construction undretaken

Storage space going to be

created (MT)

Sanctioned amount

(Rs. in lakh)

Expenditure (Rs. in lakh)

RIDF

Construction of Storage Godown

2010-11 30 Tender formalities completed

66526 312.67 148.04

2011-12 30 40 (work in progress)

66526 616.51 503.01

No. of Projects-40 Total Project Cost- Rs.1862.53 lakh Fund received during the financial year- Rs. 1373.60 lakh

Project Total Capacity [In MT]

Range No. Position

Construction of Storage Godown

66526

Birbhum 10 Work in progress. Likely to be completed during 2013-14.

Dk. Dinajpur 6 Hooghly 6 Jalpaiguri 3 Malda 2 Murshidabad 2 Nadia 5 North 24 PGS 2 South 24 PGS 1 Purba Medinipur-II 1 Paschim Medinipur 2


13

Sl. No. Year Fund Received (Rs. in lakh) Expenditure (Rs. in lakh) 1. 2010-2011 317.67 148.04 2. 2011-2012 616.51 503.01 3. 2012-2013 185.09 345.03

Total 1119.27 996.08

RKVY Stream-I

Sl. No.

Name of the Project/Scheme for the year

2011-2012 2012-2013

Amount Sanctioned & Released

(Rs. in Lakh)

Amount Sanctioned

(Rs. in Lakh)

Amount Released

(Rs. in Lakh) 1. Construction of Rural Storage Go-down (two

chambers with office-cum-counter)

308.00 0 0.00 0.00

2. Construction of Rural Storage Go-down (one chamber with office-cum-counter)

184.00 50 200.00 100.00

3. Repair/Renovation/Extension/Completion of Rural Storage Go-down

105.00 100 200.00 100.00

4. Repair/Renovation/Extension/Up-gradation of existing Cold Storage Units

55.00 0 0.00 0.00

5. Seed Multiplication and Processing Units

40.00 0 0.00 0.00

6. Work-shed-cum-Sales Counter for Self-Help Groups

186.00 25 175.00 74.50

7. Establishment of Multipurpose Mini Cold Storage

260.00 0 0.00 0.00

8. Mini-Irrigation Projects

35.00 0 0.00 0.00

9. Integrated Farming Unit

40.00 0 0.00 0.00

10. Establishment of Nursery

25.00 0 0.00 0.00

11. Development of Rural Haat

10.00 0 0.00 0.00

12. Establishment of Vermi-compost Units

42.00 21 42.00 21.00

13. Development of PACS and Mahila Co-operatives [Infrastructure for Agril. Credit Extension, Formation of SHG(s) including credit linkage and Deposit Mobilization]

110.00 0 0.00 0.00

14. Development of Primary Co-operative Marketing Societies (For Expansion of Procurement of Agril. Produces)

110.00 0 0.00 0.00

15. Skill Development Training for the Self-Help Groups

68.00 200 50.5251 25.50

16. Agro-Processing Units

60.00 0 0.00 0.00

17. Establishment of Rain Water Harvesting Structure

20.00 0 0.00 0.00

Total

1658.00 396 667.5251 321.00


14

RKVY Stream-II

Sl. No.

2011-2012 2012-2013

Name of the Project Amount involved (Rupees in lakh)

Name of the Project Amount involved (Rupees in lakh)

1. Agro-Processing Unit 18.00 Conditioned Seed Storage Godown 50.00

2. Awareness Programme for the Self-Help Groups 12.00

Development of Self-Service Counter/Sales Outlets for sale of Agril. Produces of Wholesale Consumers' Co-operative Societies

60.00

3. Chilling Plant including Refrigerated Van

30.00 Establishment of Modern Dal Mill-Additional fund

16.9374

4. Completion of incomplete Rural Go-down

12.00 Workshed-Production Centre-Storing Unit-Sales Outlet & Interaction Room for SHG, JLG & FC

90.00

5. Composite Husking Mill - Storing Unit including renovation of existing infrastructure

32.00 Awareness/Sensitization/Orientation Programme for SHG under Co-operative Fold (LT Sector)

10.00

6. Conditioned Seed Storage Go-down (1000MT)

70.00 Seed Grading Machine 6.00

7. Construction of Cow-Shed 4.00 Groundnut Processing Unit - Additional fund 2.00

8. Construction of Go-down (500 MT) 45.00

Development of Primary Consumers' Co-operative Societies

22.00

9. Construction of Go-down with Office (100 MT)

8.00 -----

0.00

10. Construction of Godown with Office : Second Phase

22.00 -----

0.00

11. Construction of Rural Go-down (200 MT)

12.00 -----

0.00

12. Dal Mill & Flour Mill 25.00 ----- 0.00

13. Development of Primary Consumers’ Co-operative

1.00 -----

0.00

14. Development of Self- Service Counter (Agril. Business Centre)

10.00 -----

0.00

15. Development of Self-Service Counter for Sale of Agril. Produces & others 10.00

----- 0.00

16. Groundnut Processing Unit 18.00 ----- 0.00

17. Husking Mill 23.00 ----- 0.00

18. Mini Oil Mill 15.00 ----- 0.00

19. Renovation & Extension of existing infrastructure

33.00 -----

0.00

20. Renovation of Rice Mill 25.00 ----- 0.00

21. Repair & Renovation of Existing Go-down

22.00 -----

0.00

22. Rice Mill (Additional Fund) 25.00 ----- 0.00

23. Seed Grading Machinery 2.00 ----- 0.00

24. Training Hall for the Farmers’ & SHG (Additional Fund)

3.00 -----

0.00

25. Training Hall for the SHG(s) 8.00 ----- 0.00

26. Work-shed-Production Centre-Storing Unit-Sales Outlet & Interaction Room for SHG, JLG & FC

115.00 -----

0.00

Total 600.00 256.9374

The above projects are likely to be completed during 2013-2014.


15

ShOrT Term cO-OPerATive crediT SecTOr Primary agricultural credit cooperative societies (PACS) were formed with a cluster of villages under each block by the village farmers and artisans and gradually a three tier structure with PACS at the grass root level; CCB (Central Cooperative Bank), normally, at the district level and SCB (State Cooperative Bank) at the State level was institutionalised with the patronage of the State Government. In fact, the main objective of the legislation in the Cooperative Sector was to promote cooperative movement and facilitate its benefits to the marginalised sections of the society with an institutional framework.

Structure of Short-Term Co-operative Credit Sector

Performance of Short-Term Co-operative Credit Sector

Year Number of members Deposit (Rs. in lakhs)

Loans & Advances (Rs. in lakhs)

2009-10 3484999 1182474.03 476859.15 2010-11 3728234 1437053.46 638056.93 2011-12 3896236 1566077.00 768269.96 2012-13 4040459 1774931.57 877097.63


16

WEST BENGAL STATE COOPERATIVE BANK LTD. The West Bengal State Co-operative Bank Ltd. being the Apex Institution of a three tier system of the STCCS with the DCCBs at the District level and the PACS at the village level was registered on 19th day of February, 1918 and since then is playing a pivotal role in delivery of Short Term Crop Loan and other Farm and Farm Allied Credit including Non-Farm Credit to the rural people of this State. It is a Scheduled Bank which has obtained license from RBI to carry-out Banking Business as per Section 22 of the Banking Regulation Act, 1949. The Apex Bank with its 3 Regional offices and 17 Central Co-operative Banks with an overall Branch expansion network of 321 Branches across the State have made significant progress in the matter of traditional crop loan lending and other diversified financing.

Performance of The West Bengal State Co-operative Bank Ltd.

Year

Parameters (amount in crores of Rs.)

State Share

Deposit Loans & advances

Working Capital

Borrowings Crop Loan disbursed

% of Recovery

CD Ratio

Net Profit/Loss

2010-11 2.13 5031.56 3303.00 8334.56 1194.90 1388.45 77.29 65.65 10.03

2011-12 1.83 4813.02 2880.72 6879.80 1649.34 1621.53 82.55 59.85 (-)59.87

2012-13 1.46 5622.11 3691.47 6754.42 942.80 2003.03 93.06 65.66 10.04

District Central Co-operative Banks

There are 17 Central Cooperative Banks covering 16 Districts. In three districts viz. North 24-Pgs., South 24-Pgs. and Coochbehar, The west Bengal State Co-operative Bank operates through its regional offices.

There are three Central Co-operative Banks in Purba Medinipur District.


17

The Central Cooperative Banks meet the credit need of its affiliated societies including its main constituent the primary agricultural credit cooperative societies by borrowing fund from the West Bengal State Cooperative Bank and by raising deposit from the public.

Year Disbursement of Crop

Loan KCC issued Demand

(Rs. in lakh) Percentage of

Recovery 2009-10 105578.00 1758524 123225.77 78.75% 2010-11 138845.00 1877985 150305.10 77.29% 2011-12 162152.78 1972301 166334.89 82.55% 2012-13 205412.15 2178294 212559.97 82.60%


18

Overall performance of the DCCBs (as on 31-03-2012)

[ Rs. in lakhs ]

Sl. No.

Name of the CFA No. of

Branches

Paid-up Share

Capital

Of which contributed by

State Government

Total Deposits

Loan Issued

Loan Outstanding

1 Balageria Central Co-operative Bank Ltd.

11 744.83 31.00 28685.36 10597.91 15990.31

2 Bankura District Central Co-operative Bank Ltd.

19 1376.41 27.20 59229.37 36819.16 38864.58

3 Birbhum District Central Co-operative Bank Ltd.

17 800.37 62.00 42713.17 11336.41 19681.52

4 The Burdwan Central Co-operative Bank Ltd.

38 2959.63 25.00 135530.06 85259.28 60344.77

5 The Dakshin Dinajpur District Central Co-operative Bank Ltd.

7 428.87 29.90 9747.19 6055.36 9449.48

6 Darjeeling District Central Co-operative Bank Ltd.

8 598.36 51.00 7755.08 2910.00 7773.49

7 Hooghly District Central Co-operative Bank Ltd.

19 1503.82 80.70 67564.48 34002.56 35034.40

8 The Howrah District Central Co-operative Bank Ltd.

12 369.01 23.25 31252.42 11314.85 8741.47

9 The Jalpaiguri Central Co-operative Bank Ltd.

16 677.36 25.00 17279.89 13698.65 14565.03

10 Malda District Central Co-operative Bank Ltd.

14 482.29 55.48 41568.58 13434.46 23036.15

11 Mugberia Central Co-operative Bank Ltd.

10 472.79 0.00 34583.39 20096.53 21514.69

12 The Murshidabad District Central Co-operative Bank Ltd.

14 1187.85 56.40 30356.22 20976.60 20760.07

13 Nadia District Central Co-operative Bank Ltd.

17 857.27 102.49 49646.45 19847.95 22266.60

14 Purulia Central Co-operative Bank Ltd.

7 458.52 82.32 10455.34 4047.85 6900.12

15 Raiganj Central Co-operative Bank Ltd.

16 755.28 0.00 39629.77 13286.04 32408.92

16 Tamluk-Ghatal Central Co-operative Bank Ltd.

17 1432.44 123.00 65261.11 28772.45 17637.73

17 Vidyasagar Central Co-operative Bank Ltd.

36 1429.47 25.00 85171.27 36408.28 56884.00

TOTAL 278 16534.57 799.74 756429.15 368864.34 411853.33


19

Overall performance of the DCCBs (as on 31-03-2013)

[ Rs. in lakhs ]

Sl. No.

Name of the CFA No. of Branches

Paid-up Share

Capital

Of which contributed by

State Government

Total Deposits

Loan Issued

Loan Outstanding

1 Balageria Central Co-operative Bank Ltd.

11 1832.89 31.00 32822.47 11539.22 17004.93

2 Bankura District Central Co-operative Bank Ltd.

19 1633.73 27.20 69706.61 42738.69 46482.69

3 Birbhum District Central Co-operative Bank Ltd.

17 853.44 62.00 39985.67 11188.62 20460.10

4 The Burdwan Central Co-operative Bank Ltd.

38 3263.32 25.00 149990.78 60595.33 63157.23

5 The Dakshin Dinajpur District Central Co-operative Bank Ltd.

7 473.86 29.90 11389.10 6903.76 11376.32

6 Darjeeling District Central Co-operative Bank Ltd.

8 NA NA 8923.75 3379.69 8138.71

7 Hooghly District Central Co-operative Bank Ltd.

19 1814.83 80.70 79316.07 43106.60 44365.34

8 The Howrah District Central Co-operative Bank Ltd.

12 471.77 25.11 34491.24 15466.44 9736.46

9 The Jalpaiguri Central Co-operative Bank Ltd.

18 747.15 25.00 18582.69 7512.05 16114.40

10 Malda District Central Co-operative Bank Ltd.

16 553.58 55.48 49733.63 14764.76 27992.57

11 Mugberia Central Co-operative Bank Ltd.

11 595.24 0.00 41305.53 24287.09 26641.12

12 The Murshidabad District Central Co-operative Bank Ltd.

14 1299.57 56.40 36327.33 127967.29 27724.82

13 Nadia District Central Co-operative Bank Ltd.

17 997.40 102.49 57739.83 28076.60 27840.79

14 Purulia Central Co-operative Bank Ltd.

7 487.00 82.00 11350.00 6973.59 7617.48

15 Raiganj Central Co-operative Bank Ltd.

16 897.29 0.00 44381.70 14854.50 36890.06

16 Tamluk-Ghatal Central Co-operative Bank Ltd.

20 1547.41 123.00 80133.97 35592.79 22349.42

17 Vidyasagar Central Co-operative Bank Ltd.

38 1531.77 25.00 95512.72 53003.61 66817.84

TOTAL 288 19000.25 750.28 861693.09 507950.63 480710.28


20

Performance of the DCCBs and the Regional Offices of the WBSCB in the matter of Crop Loans -2011-12

Sl. No.

Name of the CCB / Regional Office of SCB

No of KCC issued till

31.03.2011

No. of new KCCs issued during 01.04.2011 to

31.03.2012

Cumulative No. of KCCs issued since

inception as on 31.03.2012

Loan issued during 2011-12 [ Rs. in lakhs ]

1 Balageria CCB Ltd. 86763 4015 90778 4,978.01

2 Bankura DCCB Ltd. 70005 3304 73309 16,544.07

3 Birbhum DCCB Ltd. 89624 5980 95604 7,860.65

4 Burdwan CCB Ltd. 208764 4813 213577 24,953.32

5 Dk. Dinajpur DCCB Ltd. 20675 853 21528 1,509.51

6 Darjeeling DCCB Ltd. 17451 375 17826 702.64

7 Hooghly DCCB Ltd. 148359 8016 156375 19,704.63

8 Howrah DCCB Ltd. 34388 743 35131 4,381.54

9 Jalpaiguri CCB Ltd. 46721 2705 49426 3,369.67

10 Malda DCCB Ltd. 59524 2603 62127 2,864.92

11 Mugberia CCB Ltd. 65599 2224 67823 6,130.43

12 Murshidabad DCCB Ltd. 132314 3340 135654 7,763.64

13 Nadia DCCB Ltd. 83508 3572 87080 9,502.60

14 Purulia CCB Ltd. 51355 586 51941 1,116.01

15 Raiganj CCB Ltd. 109198 10790 119988 2,451.23

16 Tamluk-Ghatal CCB Ltd. 200746 18019 218765 20,306.52

17 Vidyasagar CCB Ltd. 246287 9178 255465 11,235.33

18 Coochbehar R/O of WBSCB 73180 4820 78000 8,184.51

19 North 24-Pgs. R/O of WBSCB 98146 3301 101447 4,583.86

20 South 24-Pgs. R/O of WBSCB 37605 8921 46526 4,009.69

TOTAL 1880212 98158 1978370 1,62,152.78


21

Performance of the DCCBs and the Regional Offices of the WBSCB in the matter of Crop Loan – 2012-13

Sl. No.

Name of the CCB/Regional Office of

SCB

No of KCC issued till

31.03.2012

No. of new KCCs issued during 01.04.2012 to

31.03.2013

Cumulative No. of KCCs issued since

inception as on 31.03.2013

Loan issued during 2012-13 [ Rs. in lakhs ]

1 Balageria CCB Ltd. 90778 3507 94285 5,416.98

2 Bankura DCCB Ltd. 73309 8554 81863 21,911.18

3 Birbhum DCCB Ltd. 95604 18650 114254 8,088.63

4 Burdwan CCB Ltd. 213577 4152 217729 26,111.51

5 Dk. Dinajpur DCCB Ltd. 21528 5059 26587 2,047.18

6 Darjeeling DCCB Ltd. 17826 1475 19301 892.80

7 Hooghly DCCB Ltd. 156375 11370 167745 26,876.89

8 Howrah DCCB Ltd. 35131 1341 36472 6,064.43

9 Jalpaiguri CCB Ltd. 49426 590 50016 4,590.91

10 Malda DCCB Ltd. 62127 16598 78725 4,309.67

11 Mugberia CCB Ltd. 67823 3044 70867 8,141.92

12 Murshidabad DCCB Ltd. 135654 2898 138552 11,075.12

13 Nadia DCCB Ltd. 87080 6155 93235 12,224.10

14 Purulia CCB Ltd. 51941 744 52685 6,973.59

15 Raiganj CCB Ltd. 119988 9122 129110 4,242.66

16 Tamluk-Ghatal CCB Ltd. 218765 30551 249316 22,824.77

17 Vidyasagar CCB Ltd. 255465 62066 317531 13,503.80

18 Coochbehar R/O of WBSCB 78000 1858 79858 8,471.71

19 North 24-Pgs. R/O of WBSCB

101447 1630 103077 5,998.55

20 South 24-Pgs. R/O of WBSCB

46526 10560 57086 5,645.75

TOTAL 1978370 199924 2178294 2,05,412.15


22

Position of membership and borrowing members of the PACS affiliated to different CFA

Sl. No.

Name of the CCB/Regional Office

As on 31.03.2011 As on 31.03.2012 As on 31.03.2013

Total Members

Borrowing Members

Total Members

Borrowing Members

Total Members

Borrowing Members

1 Balageria CCB Ltd. 112637 90212 114386 93689 115082 95095

2 Bankura DCCB Ltd. 263827 151649 304897 203817 308516 216492

3 Birbhum DCCB Ltd. 219260 145680 219625 147500 220650 148200

4 Burdwan CCB Ltd. 598043 324527 620856 325372 626312 329524

5 Dakshin Dinajpur DCCB Ltd. 36513 12897 37366 13750 38143 14527

6 Darjeeling DCCB Ltd. 24802 12518 25266 12982 13226 6173

7 Hooghly DCCB Ltd. 267597 138136 282838 146203 291471 152071

8 Howrah DCCB Ltd. 102720 30073 103930 34154 103930 35328

9 Jalpaiguri CCB Ltd. 62157 42205 64915 43198 65354 50016

10 Malda DCCB Ltd. 79481 62145 93820 80285 99643 89258

11 Mugberia CCB Ltd. 85414 73512 109904 70119 115418 72051

12 Murshidabad DCCB Ltd. 241035 47219 241035 55456 241035 74091

13 Nadia DCCB Ltd. 246290 167110 277171 78921 278141 92635

14 Purulia CCB Ltd. 158000 50000 169000 36000 169000 36000

15 Raiganj CCB Ltd. 159865 109585 164160 115390 182620 122450

16 Tamluk-Ghatal CCB Ltd. 323656 203565 323050 203555 324855 206652

17 Vidyasagar CCB Ltd. 346868 288003 353981 295102 365206 305172

18 Coochbehar R/O of WBSCB 151885 76029 156705 85977 156705 36128

19 North 24-Pgs. R/O of WBSCB 212462 59537 216518 75328 212462 79781

20 South 24-Pgs. R/O of WBSCB 115203 27728 110633 36657 112680 40331

TOTAL 3807715 2112330 3990056 2153455 4040449 2201975


23

Central Cooperative Bank-wise demand and collection of Crop Loans during 2011-12

[ Rs. in lakhs ]

Sl. No.


Demand as on 31.03.2012

Collection during 01.04.2011 to

31.03.2012

Collection % as on 31.03.2012


1 Balageria CCB Ltd. 4956.40 4,932.06 99.51 97.15

2 Bankura DCCB Ltd. 17073.79 15,152.04 88.74 84.33

3 Birbhum DCCB Ltd. 8448.89 6,766.84 80.09 49.02

4 Burdwan CCB Ltd. 24847.96 18,944.58 76.24 75.56

5 Dk. Dinajpur DCCB Ltd. 1785.71 1289.71 72.22 67.69

6 Darjeeling DCCB Ltd. 676.16 487.49 72.10 63.46

7 Hooghly DCCB Ltd. 19089.40 17,515.38 91.75 93.03

8 Howrah DCCB Ltd. 5929.27 5,431.61 91.61 84.10

9 Jalpaiguri CCB Ltd. 2681.96 2,091.72 77.99 87.29

10 Malda DCCB Ltd. 3361.43 2502.33 74.44 67.98

11 Mugberia CCB Ltd. 6070.84 5816.87 95.82 95.27

12 Murshidabad DCCB Ltd. 8501.71 5542.85 65.20 49.82

13 Nadia DCCB Ltd. 8514.92 7,859.95 92.31 91.42

14 Purulia CCB Ltd. 1736.71 976.70 56.24 63.60

15 Raiganj CCB Ltd. 2985.63 1,761.74 59.01 40.17

16 Tamluk-Ghatal CCB Ltd. 20944.24 19209.26 91.72 90.07

17 Vidyasagar CCB Ltd. 13084.53 10,484.33 80.13 79.24

18 Coochbehar R/O of WBSCB 5112.73 4667.73 91.30 62.19

19 North 24-Pgs. R/O of WBSCB 5751.89 3216.74 55.92 44.54

20 South 24-Pgs. R/O of WBSCB 4780.72 2654.07 55.52 72.56

TOTAL 166334.89 137304.00 82.55 77.29


24

Central Cooperative Bank-wise demand and collection of Crop Loans during 2012-13

[ Rs. in lakhs ]

Sl. No.

Name of the CCB / Regional Office

Demand as on

31.03.2013

Collection during 01.04.2012 to 31.03.2013



1 Balageria CCB Ltd. 5415.46 5350.90 98.81 99.51

2 Bankura DCCB Ltd. 20300.08 17299.93 85.22 84.90

3 Birbhum DCCB Ltd. 8557.29 8060.76 94.10 80.90

4 Burdwan CCB Ltd. 32147.63 21480.71 66.82 76.24



7 Hooghly DCCB Ltd. 21867.75 19837.91 90.72 93.20

8 Howrah DCCB Ltd. 15305.76 14427.62 94.26 91.34

9 Jalpaiguri CCB Ltd. 3588.37 3044.36 84.84 82.41

10 Malda DCCB Ltd. 3881.62 3392.90 87.41 74.44

11 Mugberia CCB Ltd. 7499.36 7235.75 96.48 96.18


13 Nadia DCCB Ltd. 11164.84 10020.06 89.75 85.94

14 Purulia CCB Ltd. 3022.80 2200.33 72.79 56.24

15 Raiganj CCB Ltd. 3513.57 2071.03 58.94 62.38


17 Vidyasagar CCB Ltd. 14640.95 11977.53 81.81 80.13




TOTAL 212559.97 175566.75 82.60 82.55


25

Priority sector lending during 2011-12

[ Rs. in lakhs ]

Sl. No.


Farm sector SSI/MSE Housing Total


2 Bankura DCCB Ltd. 5500.00 3500.00 7000.00 16000.00

3 Birbhum DCCB Ltd. 200.00 1000.00 900.00 2100.00

4 Burdwan CCB Ltd. 5700.00 6000.00 2700.00 14400.00



7 Hooghly DCCB Ltd. 5200.00 7000.00 1100.00 13300.00

8 Howrah DCCB Ltd. 350.00 2500.00 1100.00 3950.00


10 Malda DCCB Ltd. 1400.00 3000.00 2500.00 6900.00

11 Mugberia CCB Ltd. 1500.00 1000.00 9000.00 11500.00


13 Nadia DCCB Ltd. 2750.00 7250.00 3900.00 13900.00

14 Purulia CCB Ltd. 700.00 1500.00 540.00 2740.00

15 Raiganj CCB Ltd. 2600.00 2500.00 8500.00 13600.00






TOTAL 45480.00 71550.00 64610.00 181640.00


26

Priority sector lending during 2012-13

[ Rs. in lakhs ]

Sl. No.


Farm sector SSI/SME Housing Total


2 Bankura DCCB Ltd. 1917.04 9918.23 9918.23 21753.50

3 Birbhum DCCB Ltd. 107.60 7.75 110.50 225.85

4 Burdwan CCB Ltd. 34529.57 4210.25 11826.86 50566.68



7 Hooghly DCCB Ltd. 32182.73 631.03 959.43 33773.19

8 Howrah DCCB Ltd. 6069.59 145.46 153.91 6368.96


10 Malda DCCB Ltd. 1408.06 946.35 3129.48 5483.89

11 Mugberia CCB Ltd. 8608.44 1054.20 14624.45 24287.09


13 Nadia DCCB Ltd. 17097.51 2809.54 1219.16 21126.21

14 Purulia CCB Ltd. 2410.89 45.03 86.93 2542.85

15 Raiganj CCB Ltd. 2800.12 2700.00 9358.38 14858.50





20 South 24-Pgs. R/O of WBSCB 917.57 0.00 0 917.57

TOTAL 132468.07 40608.01 62110.67 235186.75

Position of formation of Self Help Groups in Short Term Co-operative Credit Sector (STCCS)

Formation and credit linkage with provision of training facilities for the members of the groups is a striking feature of the co-operative sector in this state. These Groups mostly comprise of female members thereby ensuring empowerment of rural womenfolk. The groups formed under the aegis of the Primary co-operative societies has an edge as a number of societies have sufficient surplus funds to provide funding to the groups as and when required. Regular direct relationship of the co-operative societies with the Central Co-operative Banks / West Bengal State Co-operative Bank Ltd. is also a factor to reckon with as far as development of the groups are concerned.


27

Position of SHG in STCCS – 2011-12

Sl. No.


No. of PACS Covered

No. of SHG's as on 31.03.2011


No. of credit linked SHG's as on 31.03.2012

1 Balageria CCB Ltd. 104 2926 2218 1628

2 Bankura DCCB Ltd. 246 13358 13358 10857

3 Birbhum DCCB Ltd. 98 2962 3112 1597

4 Burdwan CCB Ltd. 405 15048 14198 8773

5 Dk. Dinajpur DCCB Ltd. 58 2597 2656 1955

6 Darjeeling DCCB Ltd. 43 447 446 127

7 Hooghly DCCB Ltd. 265 25056 25056 23971

8 Howrah DCCB Ltd. 115 5832 6397 4087

9 Jalpaiguri CCB Ltd. 109 2435 2435 2206

10 Malda DCCB Ltd. 151 15182 15727 13619

11 Mugberia CCB Ltd. 157 6754 6690 4749

12 Murshidabad DCCB Ltd. 270 11890 12535 7266

13 Nadia DCCB Ltd. 247 15780 17164 11190

14 Purulia CCB Ltd. 63 4314 4966 1328

15 Raiganj CCB Ltd. 77 5768 6387 4744

16 Tamluk-Ghatal CCB Ltd. 280 6617 7057 4201

17 Vidyasagar CCB Ltd. 85 5389 7233 4540

18 Coochbehar R/O of WBSCB 75 4498 4491 3374

19 North 24-Pgs. R/O of WBSCB 97 4706 4991 2088

20 South 24-Pgs. R/O of WBSCB 56 7067 7993 7388

21 Kolkata Metro Branches 1064 1006 1221

TOTAL 3001 159690 166116 120909


28

Position of SHG in STCCS – 2012-13 Sl. No

.


No. of PACS Covered



No. of credit linked SHG's as on 31.03.2013

1 Balageria CCB Ltd. 104 2218 2227 1387

2 Bankura DCCB Ltd. 247 13358 14633 11275

3 Birbhum DCCB Ltd. 98 3112 3262 1682

4 Burdwan CCB Ltd. 405 14198 13464 10309

5 Dk. Dinajpur DCCB Ltd. 59 2656 2684 2031

6 Darjeeling DCCB Ltd. 51 446 611 130

7 Hooghly DCCB Ltd. 280 25056 25431 20224

8 Howrah DCCB Ltd. 115 6397 6561 4224

9 Jalpaiguri CCB Ltd. 110 2435 2102 764

10 Malda DCCB Ltd. 152 15727 17126 14736

11 Mugberia CCB Ltd. 157 6690 6712 4852

12 Murshidabad DCCB Ltd. 270 12535 12903 10977

13 Nadia DCCB Ltd. 254 17164 18848 12540

14 Purulia CCB Ltd. 63 4966 5027 1342

15 Raiganj CCB Ltd. 80 6387 6963 5176

16 Tamluk-Ghatal CCB Ltd. 280 7057 7379 4292

17 Vidyasagar CCB Ltd. 344 7233 7289 4666

18 Coochbehar R/O of WBSCB 95 4491 5841 3290

19 North 24-Pgs. R/O of WBSCB 97 4991 5042 2572

20 South 24-Pgs. R/O of WBSCB 70 7993 8713 7733

21 Kolkata Metro Branches 0 1006 1056 477

TOTAL 3331 166116 173874 124679


29

Performance of the Self Help Groups formed in Short Term Co-operative Credit Sector : 2011-12

Sl. No.


No. of members No. of members credit-linked

Total Deposit Mobilised

[ Rs. in lakhs ]

Total Loan Issued

[ Rs. in lakhs ]

1 Balageria CCB Ltd. 24238 9201 298.63 481.20

2 Bankura DCCB Ltd. 131686 93193 1704.68 6934.26

3 Birbhum DCCB Ltd. 28463 14694 327.94 432.87

4 Burdwan CCB Ltd. 112264 64840 1401.57 963.27

5 Dk. Dinajpur DCCB Ltd. 24498 13192 330.23 1128.07

6 Darjeeling DCCB Ltd. 4069 2185 58.17 646.72

7 Hooghly DCCB Ltd. 160767 133070 2610.10 14144.30

8 Howrah DCCB Ltd. 55440 28297 786.91 1580.50

9 Jalpaiguri CCB Ltd. 25616 20616 250.43 498.76

10 Malda DCCB Ltd. 144855 95680 1325.94 4762.56

11 Mugberia CCB Ltd. 48398 30753 765.99 3531.17

12 Murshidabad DCCB Ltd. 100678 100280 1621.25 8520.22

13 Nadia DCCB Ltd. 156048 93497 2298.74 2524.55

14 Purulia CCB Ltd. 7371.71 12625 183.05 409.50

15 Raiganj CCB Ltd. 56244 41118 794.62 2302.93

16 Tamluk-Ghatal CCB Ltd. 53516 25113 789.25 1259.70

17 Vidyasagar CCB Ltd. 66549 36790 613.89 4103.43

18 Coochbehar R/O of SCB 56259 42362 659.21 2654.64

19 North 24-Parganas R/O of SCB 56506 33745 232.75 682.12

20 South 24-Parganas R/O of SCB 65869 39644 0.00 760.01

21 Kolkata Metro Branches 10742

1386

249.00

135.00

TOTAL 1390076.71 932281 17302.35 58455.78


30

Performance of the Self Help Groups formed in Short Term Co-operative Credit Sector : 2012-13

Sl. No.


No. of members No. of members credit-linked

Total Deposit Mobilised

[ Rs. in lakhs ]

Total Loan Issued [ Rs. in lakhs ]

1 Balageria CCB Ltd. 19007 9215 406.72 998.81

2 Bankura DCCB Ltd. 138797 96422 1732.06 7260.59

3 Birbhum DCCB Ltd. 29973 15584 337.44 442.12

4 Burdwan CCB Ltd. 106919 68969 1465.88 1348.47

5 Dk. Dinajpur DCCB Ltd. 24718 13770 385.95 1269.70

6 Darjeeling DCCB Ltd. 6577 4570 79.53 794.37

7 Hooghly DCCB Ltd. 161118 150581 3271.10 15310.93

8 Howrah DCCB Ltd. 56757 29264 6861.73 1580.51

9 Jalpaiguri CCB Ltd. 19863 6361 232.39 629.09

10 Malda DCCB Ltd. 156009 104915 1634.80 5730.09

11 Mugberia CCB Ltd. 50629 32193 921.84 4680.41

12 Murshidabad DCCB Ltd. 111037 101285 2163.92 11943.07

13 Nadia DCCB Ltd. 171574 124814 2918.60 4009.90

14 Purulia CCB Ltd. 50200 13080 212.53 408.45

15 Raiganj CCB Ltd. 83556 43939 1278.16 2619.37

16 Tamluk-Ghatal CCB Ltd. 55636 25551 917.39 1282.10

17 Vidyasagar CCB Ltd. 67158 36926 639.73 5067.74

18 Coochbehar R/O of SCB 57881 25054 879.55 3849.38

19 North 24-Parganas R/O of SCB 56986 36614 298.50 785.42

20 South 24-Parganas R/O of SCB 75966 42597 1147.35 917.57

21 Kolkata Metro Branches 10604 3044 303.86 557.45

TOTAL 1510965 984748 28089.03 71485.54


31

Hooghly DCCB towards its path of growth

The Hooghly District Central Co-operative Bank Ltd. was formed in the year 1966 by amalgamating Hooghly Co-operative Bank Ltd and Arambag Co-operative Bank Ltd. The Hooghly District Central Co-operative Bank Ltd is the first Central Co-operative Bank in India that was permitted under by the Reserve Bank of India to carry on banking business in Hooghly District. The Bank has successfully completed the ICDP-I and ICDP-II with all round infrastructural development of the Co-operative Societies, especially the PACSs of the District. With 19 Branches all over the Hooghly District and two more on anvil, this Bank is the premier Cooperative Institution in Hooghly District to cater agricultural and other sectors. All the Branches are computerized since 2002-03. Later the Bank as a whole with all its branches has CBS running smoothly. The Bank has achieved remarkable progress in the formation and credit linking SHGs. With the humble beginning in January 1996 with only six Groups, there is 25056 SHGs working under the aegis of this Bank. With 346 nos. of working PACS, this Bank has the highest financing in agriculture than other commercial banks in this district. The CD ratio of the bank is 55.54%, greater than average CD ratio of other commercial banks in this district which is 26.97%. Financial performance

Parameters Year wise performance

2010-11 2011-12 2012-13

Own Fund 3439.94 4953.58 7241.09

Working Fund 82893.59 92386.67 107834.53

Total Deposit 58748.42 67564.48 79316.06

No. of KCC issued 144697 152713 151071

Loan Issued 30094.05 34002.56 43106.60

Per Employee Business 606.36 708.56 824.54

Deposit linked SHG 25056 25431 25485

Credit linked SHG 25056 20224

No. of JLG 240 430 460

Farmers’ Club 251 315 355


32

Performance of the Primary Cooperative Credit Societies

Range-wise position of reorganization of PACS (as on 31-03-2012)

Sl. No.

Name of the Range No. of

Non-Working PACS Revived

No. of Non-Working PACS placed under

Liquidation

No. of PACS Registered

Total No. of PACS as on 31.03.2012

of Which No. of Non-Working PACS

1 Bankura 0 0 0 319 10

2 Birbhum 0 0 0 320 14

3 Burdwan-I 0 0 0 287 18

4 Burdwan-II 4 5 0 223 8

5 Burdwan-III 0 0 0 46 15

6 Coochbehar 9 0 1 226 53

7 Dakshin Dinajpur 0 0 0 132 17

8 Darjeeling 0 0 0 106 28

9 Hooghly 2 1 0 371 2

10 Howrah 0 0 0 179 10

11 Jalpaiguri 1 0 0 160 43

12 Malda 0 0 0 208 52

13 Murshidabad 8 9 0 433 64

14 North 24-Pgs. 0 0 0 446 52

15 Nadia 0 0 0 349 20

16 Paschim Medinipur 7 0 3 757 70

17 Purba Medinipur-I 0 0 0 272 18

18 Purba Medinipur-II 0 0 0 451 25

19 Purulia 0 0 0 167 33

20 South 24-Pgs. 7 0 1 302 76

21 Uttar Dinajpur 3 0 0 196 63

Total 41 15 5 5950 691


33

Range-wise position of reorganization of PACS (as on 31-03-2013)

Sl. No.

Name of the Range No. of Non-Working PACS Revived

No. of Non-Working PACS placed under

Liquidation

No. of PACS Registered

Total No. of PACS as on 31.03.2013

of Which No. of Non-Working PACS

1 Bankura 1 0 1 305 286

2 Birbhum 2 0 1 320 33

3 Burdwan-I 2 0 2 289 29

4 Burdwan-II 4 5 0 218 4





9 Hooghly 0 0 0 372 362

10 Howrah 1 0 0 179 25

11 Jalpaiguri 0 0 0 163 47

12 Malda 1 0 1 206 41

13 Murshidabad 0 18 2 427 77

14 North 24-Pgs. 0 0 0 446 149

15 Nadia 0 0 0 349 31




19 Purulia 5 4 1 164 29

20 South 24-Pgs. 3 0 4 306 78


Total 22 33 15 5919 1528

Deposit mobilisation in STCCS (Rs. in lakh)

As on PACS level CCB/RO level WBSCB level Total 31-03-2010 220277.00 648933.00 313264.00 1182474.00 31-03-2011 259600.00 758485.00 418969.00 1437054.00 31-03-2012 327210.00 842375.00 396492.00 1566077.00 31-03-2013 360527.63 959573.82 454830.12 1774931.57


34

Position of deposit mobilization by PACS (as on 31-03-2012)

Sl. No.

Name of the Range Number of PACS

Mobilising Deposit

Amount Mobilised

(Rs. in lakhs)

Amount kept in Financing Bank

(Rs. in lakhs)

Percentage of Deposit kept in

the Bank

Loan Issued from Deposit Section

(Rs. in lakhs)

1 Bankura 84 14073.83 1234.45 8.77 2233.85

2 Birbhum 139 7524.00 6332.00 84.16 226.00

3 Burdwan-I 110 14079.00 11853.42 84.19 730.30

4 Burdwan-II 109 9954.62 8354.04 83.92 1273.87

5 Burdwan-III 12 667.92 585.73 87.69 48.30

6 Coochbehar 56 2115.43 1491.81 70.52 623.90

7 Dakshin Dinajpur 47 5090.95 3851.35 75.65 1527.22

8 Darjeeling 21 1002.33 796.58 79.47 229.76

9 Hooghly 267 41541.19 28663.30 69.00 10005.10

10 Howrah 108 19002.23 13879.80 73.04 2511.15

11 Jalpaiguri 13 1533.20 974.39 63.55 510.59

12 Malda 84 10806.59 8915.97 82.50 1665.85

13 Murshidabad 107 19007.81 13345.14 70.21 4322.30

14 North 24-Pgs. 106 20407.24 14514.17 71.12 2084.63

15 Nadia 249 30731.81 19800.88 64.43 6912.72

16 Paschim Medinipur 263 38920.23 26852.92 68.99 13243.36

17 Purba Medinipur-I 153 19863.72 17278.37 86.98 3569.29

18 Purba Medinipur-II 268 49014.08 29377.60 59.94 12656.95

19 Purulia 43 4928.72 4196.26 85.14 508.96

20 South 24-Pgs. 85 11878.64 8908.51 75.00 2991.81

21 Uttar Dinajpur 42 5067.00 3947.00 77.90 540.00

TOTAL 2366 327210.54 225153.69 68.81 68415.91


35

Position of deposit mobilization by PACS (as on 31-03-2013)

Sl. No.

Name of the Range Number of PACS Mobilising

Deposit

Amount Mobilised

(Rs. in lakhs)

Amount kept in Financing Bank

(Rs. in lakhs)

Percentage of Deposit kept in

the Bank

Loan Issued from Deposit Section

(Rs. in lakhs)

1 Bankura 86 15535.86 13832.82 89.04 2537.51

2 Birbhum 128 8968.46 6800.00 75.82 1200.00

3 Burdwan-I 110 15566.65 13309.72 85.50 812.80

4 Burdwan-II 109 11719.61 10474.19 89.37 945.42

5 Burdwan-III 12 746.95 634.21 84.91 41.89

6 Coochbehar 56 5643.00 3383.00 59.95 803.00

7 Dakshin Dinajpur 45 5627.57 4285.06 76.14 1577.60

8 Darjeeling 22 1085.96 811.90 74.76 280.33

9 Hooghly 267 42850.30 28860.10 67.35 10510.30

10 Howrah 108 19788.25 14146.63 71.49 3102.31

11 Jalpaiguri 13 1825.06 1260.63 69.07 531.27

12 Malda 84 11105.14 9461.91 85.20 2603.72

13 Murshidabad 132 25650.55 20037.26 78.12 4584.94

14 North 24-Pgs. 111 24309.09 17838.51 73.38 6470.58

15 Nadia 249 37707.52 25122.29 66.62 8171.90

16 Paschim Medinipur 265 40014.45 29570.53 73.90 18652.38

17 Purba Medinipur-I 153 19707.85 18729.72 95.04 3928.37

18 Purba Medinipur-II 272 51458.61 34639.67 67.32 16624.29

19 Purulia 53 5935.29 5305.25 89.38 788.27

20 South 24-Pgs. 91 10179.46 7659.27 75.24 3002.82

21 Uttar Dinajpur 44 5102.00 3882.00 76.09 611.00

TOTAL 2410 360527.63 270044.67 74.90 87780.70


36

Position of diversified activities of PACS (as on 31-03-2012)

Sl. No.

Name of the Range

No. of PACS having

Fertilizer business

No. of PACS Conducting

Seed business

No. of PACS distributing Consumers'

Goods

No. of PACS marketing

Agril. Produces

No. of PACS extending

Irrigational Facilities

1 Bankura 193 44 0 0 0

2 Birbhum 261 30 27 0 6

3 Burdwan-I 172 56 80 0 82

4 Burdwan-II 118 77 16 7 66





9 Hooghly 326 104 64 0 92

10 Howrah 70 32 16 0 0

11 Jalpaiguri 18 1 0 0 0

12 Malda 102 24 15 65 0

13 Murshidabad 157 11 11 17 0

14 North 24-Pgs. 105 24 16 5 0

15 Nadia 150 62 24 76 9




19 Purulia 80 5 0 0 0

20 South 24-Pgs. 44 28 19 26 9


TOTAL 2207 615 409 273 265


37

Position of diversified activities of PACS (as on 31-03-2013)

Sl. No.

Name of the Range No. of PACS having

Fertilizer business

No. of PACS Conducting

Seed business

No. of PACS distributing Consumers'

Goods

No. of PACS marketing

Agril. Produces

No. of PACS extending

Irrigational Facilities

1 Bankura 29 47 8 0 0

2 Birbhum 252 30 27 7 6

3 Burdwan-I 172 56 80 0 82

4 Burdwan-II 122 79 31 7 66





9 Hooghly 326 104 64 0 92

10 Howrah 50 22 19 8 0

11 Jalpaiguri 18 1 0 0 0

12 Malda 102 24 15 5 12

13 Murshidabad 156 7 11 12 0

14 North 24-Pgs. 105 24 16 5 0

15 Nadia 126 12 24 56 9




19 Purulia 68 15 8 0 0

20 South 24-Pgs. 56 30 21 27 0


TOTAL 2059 590 440 175 268


38

Position of storage godowns, own and hired of PACS (as on 31-03-2012 and 31-03-2013)

Sl. No

. Name of the Range

Own Godown Hired Godown

As on 31-03-2012 As on 31-03-2013 As on 31-03-2012 As on 31-03-2013

Number Capacity Numbe

r Capacity Number Capacity Number Capacity

1 Bankura 186 23200 186 23200 61 5120 61 5120

2 Birbhum 261 29500 263 29800 26 2000 26 2500

3 Burdwan-I 216 32840 216 32840 12 1300 20 1500

4 Burdwan-II 257 23800 177 24745 17 1700 22 2550

5 Burdwan-III 26 2750 26 2750 2 100 2 100

6 Coochbehar 75 8300 75 8300 12 1040 16 1110

7 Dakshin Dinajpur 86 10000 65 0 0 0 20 0

8 Darjeeling 16 1600 20 1600 7 700 24 1200

9 Hooghly 287 40450 287 40450 47 6500 47 6500

10 Howrah 87 10040 117 11925 5 240 15 800

11 Jalpaiguri 30 3000 30 3000 14 12000 18 1800

12 Malda 115 15360 115 15360 11 750 11 750

13 Murshidabad 168 23455 183 24963 17 1750 83 8300

14 North 24-Pgs. 162 28100 162 28100 19 1650 19 1650

15 Nadia 231 34000 241 38176 6 350 19 950

16 Paschim Medinipur 315 31300 320 31550 16 2500 116 7500

17 Purba Medinipur-I 131 13400 133 13600 27 1350 34 1700

18 Purba Medinipur-II 198 30200 198 30200 0 0 0 0

19 Purulia 81 8340 81 8340 7 280 7 280

20 South 24-Pgs. 116 10550 114 10125 5 210 5 250

21 Uttar Dinajpur 37 3725 44 5700 12 525 40 2000

TOTAL 3081 383910 3053 384724 323 40065 605 46560

SUCCESS STORY OF

1. EHIAPUR SKUS LTD. under Ketugram-I Block Burdwan-II Range

The Ehiapur SKUS Ltd. started the journey of “STRNGTHENING OF PACS SCHEME” in the financial year 2009-2010. In the first year, Ehiapur SKUS Ltd. one of the dormant PACS was selected and assisted under this scheme. The society completed its journey of revival and is now one of the thriving SKUS of the Range.


39

Ehiapur SKUS Ltd. progressed in all sides of the business dynamically. The society started its business from Zero trading balance and after four years have stood in a respectable position. Progressive achievements of Ehiapur SKUS Ltd. are given below :

Sl. No.

Name of Activities Position in 2009-2010

Position in 2012-2013

Growth Rate

Remarks

1. No. of members 522 715 37.97%

2. Paid up share 119477/- 350667/- 194% 3. Loan & Advance 2073700/- 3456000/- 66.66% 4. No.of Loanee members 240 414 72.5% 5. Non Credit Business Nil 2108287/- 100% 6.

Gross Profit Nil

57958/-in 2010-11 &

67345/-in 2011-12 100%

After observing above performance, we have provided a 50 MT Godown to the said Society in the financial year of 2012-13 under RKVY so that the Society can go ahead with more and more success.

2. Dhalhara Khandagram SKUS at Purba Midnapur –I

The society started its journey in 1977 for extending crop loan to its members. With the passage of time it started acceptance of members’ deposits which strengthened its working capital and membership base. In 1978, the year of devastating flood in South Bengal, the society started retail rice business to save the local poor people from the onslaught of the local unscrupulous traders. The growing demand of the local farmers for fertilisers (both organic and inorganic), seeds the society has decided to construct a godown of 100 MT in the same year for storing of fertilisers and other products with Government assistance. In phases, it has augmented storing capacity from 100 MT to 350 MT under several Government projects. Apart from the traditional business of crop loan, fertilisers, seeds it started distribution of PDS items. In the recent years this society has organised 45 Self Help Groups and for managing these SHGs and for up gradation of their products viz. snacks and other agril. products, a number of training programmes were arranged under the assistance of RKVY.

The society has also arranged production of quality seeds in 11 acres of land by involving 54 numbers of local farmers which in the days to come will ensure accessibility of having quality seeds at the door steps of the locals at reasonable price. The most important achievement of the society in the year 2011-12 under RKVY project was setting up of a Nursery on society’s own land that involved investment of Rs.3.5 lakh including Rs. 1.5lakh from society’s own fund. This would not only facilitate availability of saplings to the locals but would also motivate the people for plantation of different economic plants like fruits, flower, forest plants to augment income besides opening up scope of sending such saplings to different districts across the state as well as other states.


40

3. DOLGRAM SAMABAY KRISHI UNNAYAN SAMITY LTD. at Paschim Medinipur The Society is situated at Nayagram Block, a tribal populated, remotest, backward and L.W.E affected block of Paschim Midnapore District bordering the State of Orissa. The Society started its journey with only 25 farmer members of the area has now enrolled 4506 rural people as its members, of which 33% and 34% belonged the ST and SC category. 20% woman participation is another strong area of this society. The society started its journey with disbursement of agricultural loan in the month of April, 1962 to the tune of Rs. 12,500/- has registered agricultural investment through K.C.C. to the tune of Rs.38,38,561/- in the last year with recovery of 72.75%. It is successfully running its deposit mobilisation scheme encouraging the rural thrift as well as utilising the fund by extending a potion of the loan to the local enterprenures for their economic activities. Deposit Mobilisation (Rs. in lakh) during last two years

Year Savings Fixed Recurring Total 2010-11 56.78 46.74 4.33 107.85

2011-12 68.75 53.89 5.50 128.14 2012-13 83.80 62.41 6.33 152.54


41

The society has undertaken the business of essential commodities ( paddy, fertiliser, grocery, dress materials, household utensils, hardwares and asbestos ) facilitating the members and other pople of the adjacent area to avail those products at reasonable price. Diversified Business (Rs. in lakh ) during the last two years:

Year Paddy

Fertiliser Grocery Dress materials

Household utensils &

Hardwares

Sale of asbestos

Total

2010-11 25.00 13.58 13.02 9.84 5.70 8.05 75.19

2011-12 76.65 11.06 14.02 11.54 5.89 11.27 130.40 2012-13 150.15 18.71 13.45 5.38 4.02 8.65 200.36

The society has formed twenty five numbers of SHGs with exclusive women members. Deposit of such groups is Rs. 3.0 lakh while Rs.5.97 lakh has been disbursed as loan to the members for their economic activities like business of supplying Sal leaves to the local market and making rope of Babui grass. Society has been provided with subsidised projects under the RKVY scheme for construction of rural huts and a roof top rainwater harvesting project under the Project Management Unit of the Co-operative Directorate, HQ. Both the projects have been successfully implemented and the local poor people as well as the small farmers are now reaping the benefits of these two projects. The society also played an important role in the implementation of MGNREGS through PACS in the year 2009-10 by engaging its members to perform several works creating mandays of 6,284. The society in days to come has taken the challenge to 100% financial inclusion.

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