സഹകരണബാങ്കുകളുടെ എ.ടി.എം. ശൃംഖല വരുന്നു

കേരളത്തില് ആദ്യമായി പ്രാഥമിക സഹകരണ സംഘങ്ങളുടെ കൂട്ടായ്മയില് എ.ടി.എം.ശൃംഖല വരുന്നു.

കാലിക്കറ്റ് സിറ്റി സഹകരണ ബാങ്കാണ് ഇതിന്റെ നടപടികള് ഏകോപിപ്പിക്കുന്നത്.തിരുവന്തപുരത്തെ പട്ടം സര്വ്വീസ് സഹകരണബാങ്കും മലപ്പുറത്ത് ഐ.ടി.സൊസൈറ്റിക്ക് കീഴില് വരുന്ന നാലുബാങ്കുകളും തുടക്കത്തില് എ.ടി.എം.ശൃംഖലയിലുണ്ടാകും.കോര്ബാങ്കിങ് സംവിധാനമുള്ള എല്ലാ പ്രാഥമിക സഹകരണ സംഘങ്ങളെയും പദ്ധതിയില് പങ്കാളിയാക്കും. ആര്.ബി.ഐ ലൈസന്സില്ലാത്തതിനാല് മറ്റു ബാങ്കുകളുടെ ഇടപാടുകള് ഇതില് പറ്റില്ല.എന്നാല് ഗ്രാമീണ മേഖലയിലെ ജനങ്ങള്ക്ക് ഇത് ഏറെ പ്രയോജനം ചെയ്യുമെന്നാണ് പ്രതീക്ഷ.

Important Points to Remember

  • The first Co-operative Consumer Society Is Triplicane Urban Co-operative Society (formed on 1904)
  • The birth of co-operative movement is in England
  • The minimum number of persons required to form a co-operative society in Kerala is 25 (one man one vote is the voting right of members)
  • The co-operative farming societies come under the category of Agricultural Non-Credit Cooperative Society
  • Friendly’ Society is started in England (Friendly societies Act was passed in 1793)
  • The training institute sponsored by NABARD is BIRD (Bankers Institute for Rural Development)
  • The first provincial Co-operative Societies Act in India The Bombay Co-operative Societies Act (1925)
  • The first Co-operative Societies Act of 1904 came into force on 25 March 1904
  • The Rochdale Equitable Pioneers Society, the first co-operative Society in the world started in the year 1844 (Manchester)
  • Taccavi Law is Land Improvement Loans Act
  • The chairman of the National Dairy Development Board Amritha Patel
  • The Rochdale Equitable Pioneers Society, the first co-operative Society in the world started in the year 1844 (Manchester)
  • The founder of the first co-operative journal namely The Co-operator -Dr. William king
  • Cooperative Housing Society originated in Britain
  • ICA (International Co-operative Alliance) regional office at New Delhi was inaugurated by Jawaharlal Nehru on 14/11/1960
  • To which store is Cess Fund related Handloom
  • The headquarters of International co-operative Alliance Geneva
  • Rural consumer schemes was introduced byNCDC (National Co-operative Development Corporation) (Established on 1963)
  • A typical example of service type industrial co-operative society Co-operative Spinning Mills
  • The new addition to the co-operative principles-Concern for community
  • Karve Commission on co-operative principles was appointed by ICA (International Co-operative Alliance)
  • The first co-operative principles are accepted by the ICA congress held at Manchester
  • The last revision of co-operative are made in the year 1995
  • “Indian Co-operative Review” is a quarterly journal of National Co-operative Union of India
  • NCUI-National Cooperative Union of India (Established in 1929 with association of State Co-operative Unions)
  • APMACS-Andhra Pradesh Mutual Aided Co-operative Societies Act.
  • LAMPS- Large sized Adivasi Multipurpose Co-operative Society.
  • TRIFED -Tribal Co-operative Marketing Development Federation of India Ltd
  • Accounting is the language of the business
  • The first co-operative law in India was enacted In the year 1904
  • Kerala State Co-operative Bank is a Scheduled Bank
  • Bank of bank -Reserve Bank of India (RBI)
  • Co-operative principles are formulated by ICA (International Co-operative Alliance)
  • Vaikunda Metha National Institute of Co-operative Management is situated at Pune
  • The word co-operation is derived from the word ‘Co-operari’ which is a Latin word.
  • The first consumer co-operative society in India was formed in Triplicane
  • The Registrar of Co-operative society is appointed by Government
  • Amount to be given by Co-operative society to Kerala State Co-operative Union -Rs. 1000
  • Only Secretary(Chief executive) has a right to sign in the Identity card of a member
  • Individual Maximum Borrowing Power (IMBP) is described in Byelaw
  • CAMPCO is registered under Multi State Co-operative Act
  • First Co-operative society in Kochi country -Idvanakkad Parasparasahaya Sangam
  • Kerala Dinesg Beedi Co-operative Society’ is G.K. Panicker (Formerly known as ‘ The Kerala Dinesh Beedi Workers Centrally Co-operative Society’)
  • Dual membership is not applicable in Consumer Co-operative Society
  • The Rochdale Equitable Pioneers Society, the first co-operative Society in the world started in the year 1844 (Manchester)
  • Section 43 Act is used to select president, vice-president of the Society
  • NABARD institution is keeping National Rural Credit Stabilization Fund (NRCSF)
  • Liability is Unlimited in Raifisson model Credit Society
  • Paster Saune is the founder of consumer Co-operative Societies in Denmark
  • The first Co-operative Societies movement in China -Sputnik
  • The first village development training centre in India ‘Sreenikethan’ was established by Rabeendra Natha Tagore
  • A negotiable Instrument, negotiable by usage or custom Promissory Note
  • The Colombo plan was for a period of 6 years
  • A loan covers a period of 3 to 15 months is called Short term loan
  • In a Co-operative Society Revenue fund is created out of Net profit
  • A cheque which is not crossed is called Open cheque
  • District Co-operative Banks are also known as Co-operative Central Bank
  • The banking system followed by in India is Branch Banking
  • The most important objective of Indian Economic Planning is Self reliance
  • There is one Central Co-operative Bank in each District.
  • Land mortgage banks are now known as Land Development Bank
  • The power to supersede the Managing Committee of a Co-operative Society is vested with The Registrar of Co-operative Society
  • The slogan of the Co-operative week celebration during the year 2006 was related to Second green revolution
  • Kerala State Co-operative Bank is a Scheduled Bank
  • A post dated cheque bear a date that is Yet to come
  • Amendments to the byelaws of a Co-operative society shall come into force on the date of Date on which the amendment is registered
  • Audit fee of a credit society is calculated on the basis of -Working Capital
  • The first formal Co-operative Society was formed in England in the year-1844
  • A bank included in the second schedule of Reserve Bank of India Act 1934 is called Scheduled Bank
  • Monitory Policy is formulated and issued by -Reserve Bank of India
  • The first amendment to the Co-operative Societies Act of 1904 was made in-1912
  • The jurisdiction of Circle Co-operative Union is -Taluk
  • RTGS stands for Real Time General Standards
  • CRAFICARD-Committee to Review Arrangements for INSTITUTIONAL Credit for Agriculture and Rural Development)
  • NABARD Act is passed at Indian Parliament –1981
  • NABARD started its function in 1982 July 12 with capital Rs. 100 crore.(its have 28 Zonal offices, 376 District Offices)
  • RIDF–Rural Infrastructure Development Fund
  • Audit fee is limited up to in the case of Co-operative Society–15000.
  • the minimum members In a Circle Co-operative Society–14
  • In a Co-operative Society 80A section deals -Pension
  • Section 73 deals with -The right of Liquidator
  • T.E.R means -Technical Enquiry Report.
  • PSPF (Principal State Partnership Fund) is used for -Purchasing of shares from the different societies
  • National Policy on Co-operation is declared in India-2001.
  • Land Mortgage Bank is started in India-1920
  • S.C. Missra Committee. committee is recommended the Co-operative Education Fund
  • A. Venkidapai committee recommended to form SFDA (Small Farmers Development Agency)
  • Narasimhan Committee (1975) committee is recommended to form the Regional Rural Banks
  • T.A. Pai. committee is recommended to form the Farmers Service Co-operative Society
  • DICGC Deposit Insurance and Credit Guarantee Corporation
  • Agricultural Credit Committee is known as -Kussuru Committee
  • National Council for Co-operative Training (1-7-1976)
  • NICE-National Centre for Co-operative Education. (New Delhi)
  • The chairman of State Co-operative Union-The Registrar of Co-operative Society
  • Election procedure is deals in which section of State Co-operative Union-Section 151
  • A member can get right to withdraw his share from a society after 3 years from the date of his membership
  • The scheme formulate by RBI to protect the interest of the customers and to re-dress their grievances with regard to banking services is called Banking Ombudsman Scheme
  • Magnetic ink character recognition technology is related to Cheques
  • The Co-operative Bank which doesn’t come under the purview of Banking Regulation Act-Primary Agricultural Co-operative Bank
  • Section 74A, of the Kerala Co-operative Societies Act is related to -Winding up of bank coming under DICGC
  • Consumerfed stands for -Kerala State Co-operative Consumer Federation
  • The statement prepared to reconcile the balance as shown by the cash book and the balance as shown by the bank pass book is called -Bank reconciliation statement
  • In the official hierarchy of Co-operative department the officer next to the Registrar of Co-operative Societies is designated as Additional Registrar
  • Asst. Registrar is the head of Co-operative section in Taluk
  • 20 maximum number of members is required in a Partnership firm (Banking sector)
  • Consumer Co-operative Society
  • Co-operative Society is known as ‘War tie babies’
  • The amount (Chellan receipt amount) to remit for the registration of a society Rs. 50/-
  • District Co-operative Bank bank is the custodian of ‘Subsidiary State Partnership Fund’
  • Director of Co-operative Audit post is came in -January 1, 2000
  • When NFIC (National Federation of Industrial Co-operatives formed-1966
  • 10% is the percentage of basic salary to contribute in Provident Fund
  • Selpose is the first Primary Consumer Co-operative Societies
  • Father of Co-operative Commonwealth -D.R. Gadgil
  • Thiruvananthapuram is the headquarters of Federation of Kerala Scheduled Cast/Scheduled Tribe Co-operative Societies
  • Surabhi is the name of Kerala Handicraft Apex Co-operative Societies
  • Maltsyafed is Kerala State Co-operation Federation for Fisheries Development
  • KRIBHCO is Interstate Co-operative institution
  • Land Improvement Loans Act is passed in 1883.
  • The first Co-operative minister of Kerala Joseph Muntaserry
  • Dr. William King gave more importance in Co-operation education

Co-operation Department

Chief minister of Kerala

Sri.Oommen Chandy

Room No: 14
13rd Floor,
North BlockSecretariat
ThiruvananthapuramPhone : 0471-2333812, 2333682
Fax : 0471-2333489
E-Mail: chiefminister@kerala.gov.in
Shri.C.N.Balakrishnan

Minister for Co-operation, Khadi and Village Industries
and Pollution Control

Room No: 619
1st Floor, South Block
Secretariat, Statue
Thiruvananthapuram
Phone : 0471-2335866
Mob : 9847035699, 9495255500
Fax : 0471-2327669
E:MAIL : minister-cooperation@kerala.gov.in
Co-operation Department Office of the Registrar of Co-operative Societies
Statue, Thiruvananthapuram-1
Shri. K. S. Sreenivas

Secretary

Ph-0471-2336602, 2518444
Mob: 9895033377
E-mail: secy@coop.kerala.gov.in
Smt. S. Lalithambika

Registrar

Department of Co- operation,
Office of the Registrar of the Registrar of Co-operative Societies,
Statue, Thiruvananthapuram-1 ,
Kerala, India
Telephone : 0471 – 2331982(Registrar)
Fax : 0471 – 2331513
Mobile: 9447895100
E-mail : keralarcs@coop.kerala.gov.in
E-mail keralarcs@gmail.com
WEBSITE www.cooperation.kerala.gov.in

The Rainbow Flag

flag

The rainbow flag has been the co-operative emblem since 1921. Like the rainbow, this flag is a symbol of hope and peace

Each of the seven colours in the flag has a special meaning for co-operators.

  • Red stands for courage.
  • Orange offers the vision of possibilities.
  • Yellow represents the challenge that greed has kindled.
  • Green indicates a challenge to strive for membership growth.
  • Sky Blue suggests far horizons, the need to provide education and help the less fortunate, and unity with all peoples of the world.
  • Dark Blue represents the less fortunate who can learn to help themselves through co-operation.
  • Violet represents warmth, beauty, and friendship.

ROBERT OVEN – Father of Co-operative Movement

robert_oven

Born 14 May 1771
Newtown, Montgomeryshire, Wales
Died 17 November 1858 (aged 87)
Newtown, Montgomeryshire, Wales
Occupation Co-operator; social reformer, factory owner; inventor
Spouse(s) Caroline Dale
Jackson Dale (1799)
Robert Dale (1801)
William (1802)
Children Anne Caroline (1805)
Jane Dale (1805)
David Dale (1807)
Richard Dale (1809)
Mary Dale/Owen (1810)
Parents Robert Owen and Anne Williams[1]

History Of Co-operatives In Kerala

The British East India Company miserably exploited India by absorbing all her resources during pre-independent period. After independence earnest steps were taken to make her healthy in every respects. It was generally admitted by the Architects of India that co-operatives can act as an effective media for the socio-economic reconstruction of the country. Hence attempts were made by the Planning Commission to develop the co-operative movement as a self reliant one by augmenting the resources through mobilisation of savings in urban and rural areas, promoting integrated rural development by strengthening the links between credit, supply of inputs, processing, marketing and distribution of essential commodities and developing of weaker sections of the community.

The growth of Co-operative movement in Kerala was insignificant during pre-independent era. Only 1669 co-operatives were functioning in the state with a total working capital of Rs.92.21 lakhs. The membership and paid up share capital were Rs.2.05 and Rs. 31.79 lakhs respectively. Credit and non-credit operations during the period were also nominal. Loan disbursed during the year 1946 was Rs.10.62 lakhs only. Performance in the area of Consumer, Marketing etc. were also not remarkable when compared to the exquisite achievements during the succeeding years. A comparative statement of performance of the sector during pre and post-Independent era is shown in Annexure-I.

Before the formation of State of Kerala, Co-operatives under the area were administered by the Travancore Co-operative Societies Act V of 1112(M.E), Cochin Co-operative Societies Act XXVI of 1113(M.E) and Madras Co-operative Societies Act 1932. After the integration of Travancore and Cochin, Travancore-Cochin Co-operative Societies Act 1951 came into force with effect from 1.9.1952. After the formation of Kerala State, the Kerala Co-operative Societies Act of 1969 came into force with effect from15.5.1969 in order to enact a uniform law on co-operation applicable throughout the State. Consequent on the introduction of Kerala Co-operative Societies Act 1969, Societies with unlimited liability ceased to exist and societies with limited liability came into existence. Thereafter Government of Kerala passed the Kerala Co-operative (Amendment) Act 1999 which came into force with effect from 1.1.2000. Providing of membership to local body institutions, Deposit guarantee scheme in Primary Agricultural Credit Societies, Consortium Lending Scheme, Co-operative Development and Welfare Fund, Independent Election Commission, Separate Audit Wing and Vigilance Wing, and Co-operative Examination Board are the new provisions made in the Amendment Act.

 

ORGANISATION CHART OF THE OFFICE OF THE REGISTRAR OF CO-OPERATIVE SOCIETIES

The Department of Co-operation is headed by the Registrar of Co-operative Societies. At the Headquarters, the Registrar of Co-operative societies is assisted by four Additional Registrars of co-operative societies, two Joint Registrars, one Law Officer and one finance officer and a Research Officer. One Additional Registrar of co-operative societies is in charge of Credit wing and the second Additional Registrar looks after Consumer wing, and the third Additional Registrar is in charge of General administration and matters in respect of Circle Co-operative unions and publicity, and the fourth Additional Registrar is in charge of co-operative Information Bureau  and Integrated Co-operative Development Project (ICDP) respectively.

Out of the two Joint Registrars in Head Office, one Joint Registrar is in charge of matters relating to the Marketing and Processing Co-operative Societies and other Joint Registrar is in charge looks into the matter pertaining to Scheduled Caste and Scheduled Tribe Co-operative Societies in the State. The Law officer and Finance Officer who are on deputation from the secretariat advise the Registrar of Co-operative societies on matters relating to legal aspects and finance matters respectively.

Besides the above officers, 7 Deputy Registrars of Co-operative societies, 13 Assistant Registrars of Co-operative Societies, one Research officer from Economics and Statistics Department, One Editor Cum-Press Relation officer and one PA to Registrar of co-operative societies are working at the head quarters.

One Deputy Registrar of Co-operative Societies is working as intermediately officer of the ICDP Section in the headquarters.

In head office there were 24 sections. They are:-

  1. Establishment-A (EA)
  2. Establishment-B (EB)
  3. Accounts
  4. IT Division
  5. Fin A
  6. Fin B
  7. Employees Matters of Co-operative Institutions (EM)
  8. Marketing and processing- I
  9. Marketing and processing -II
  10. H V/M T
  11. Consumer (CS)
  12. Inspection Cell
  13. General
  14. Vigilance
  15. Publication and Training (PT)
  16. Scheduled Caste/Tribes (SCT)
  17. Credit Long Term (CLT)
  18. Credit general (CG)
  19. Credit banking (CB)
  20. Credit primaries (CP)
  21. Integrated co-operative development Project (I C D P)
  22. Planning & Monitoring (P&M)
  23. Statistics (ST).
  24. Co-operative Information Bureau

A Co-operative Information Bureau is functioning at the head office and a monthly publication Sahakarana Veedhi is published regularly by the Bureau. The Editor cum Press  Relation Officer leads the Bureau.

The Statistical Wing is manned by the staff from the Department of Economics and Statistics.

 

A directorate of co-operative audit is constituted which is headed by director of Co-operative Audit who is an IAS/IAAS officer.  The director is assisted by one Additional Director, one Joint Director, One Deputy Director, One Assistant Director and Seven Auditors of Co-Operative societies.  The Directorate is engaged with audit of all co-operative institutions in the state.

A Co-Operative vigilance office is constituted to investigate all cases of misappropriation, corruption and major irregularities in Co-Operative societies. It is headed by DIG of Police assisted by three DYSPs, three C.I.s and police constables.  It has three zonal offices at Alleppy, Thrissur and Kannur. The Office of Co-Operative Vigilance Officer is in charge of a Joint Registrar of Co-Operative Societies.

In the district there are two wings that  is General and Audit. One Joint Registrar (General) and one Joint Director (Audit) are headed the above two wings respectively. At Taluk level one Assistant Registrar of Co-operative Societies for General Administration and one Assistant Director of Co-operative Societies, for audit of Co-operative Societies is functioning.

One Assistant  Registrar of Co-operative Societies is working as Liaison Officer attached to the Joint Registrar (General) Ernakulam, to liaison the work with the Advocate General in respect of O.P s filed before the Hon.  High Court  of Kerala.

Services of 9 Deputy Registrars of Co-operative Societies and 23 Co-operative Inspectors are rendered to the State Co-Operative Union for working as Principals and Lecturers respectively in the 9 Co-operative Training Centers run by State Co-operative union on free services.

A vigilance wing is functioning in the Department and 1 Deputy Registrars all over the state look after/conducts Inspections in the Co-operative Societies.  A part from this an inspection cell headed by two Deputy Registrar constituted for Inspection mainly in Apex, central and Urban Banks.

A Co-operative Tribunal is also functioning as an appellate authority on the awards issued by the Departmental Arbitrators. The Tribunal is appointed from the judicial service and should be a judge not below the rank of District and Session judge.

Government vide GO (P) 1/03dt. 02.01.03 had constituted Co-operative Arbitration Court headed by one presiding officer to hear and dispose all Non-Monetary disputes in the state.

A Co-operative Election commission constituted vide G.O (Ms) 109/01/co-op DT. 9.11.01 comprising of the following staff is functioning at the Head quarters at Thiruvanamthapuram for conducting election in the credit co-operative societies in the state.

Additional Registrar of co-operative societies /Secretary to commission 1
Senior Inspector of co-operative Societies 1
Upper Division Clerk 1
Lower Division Clerk 1
Confidential Assistant 1
Driver 1
Peon 1

Co-op Principles in Plain Language
The Seven Principles, used by co-operatives world-wide!

  1. All welcome – no pressure
  2. One member = one vote
  3. No Free rides
  4. Self-control, no parents
  5. Share, learn, grown
  6. Together Everyone Achieves More
  7. Building Strong Communities