1. The Haryana State Co-operative Agriculture & Rural Development Bank Ltd. Panchkulla.
The Haryana State Co-operative Agriculture & Rural Development Bank Ltd. Was set up on 1st Nov. 1966 under the Punjab Co-operative Societies Act, 1965 (replaced by Haryana Co-operative Societies Act, 1984). At the time of establishment of the Bank, there were only 7 ACARDBs in the State, now this number has risen to 87 ACARDBs. These ACARDBs have now been amalgamated into 19 DCARDBs and the existing ACARDBs at Tehsil and Sub-Tehsil level act as branches of these District ACARDBs.
The main objectives of the Bank is purveyance of Long Term Credit to the agriculture through its 19 District Primary Agriculture and Rural Development Banks (DPCARDBs) and their 87 branches under various Agriculture and its allied activities along with NFS purposes.Profit and Loss position of HSCARDB
(Rs. In crores)Year Profit / Loss Accumulated Losses
Land ReclamationLand LevelingRedemption of LandPurchase of LandWater land DevelopmentAgri. Organic Inputs
5. Animal Development ABCDEFg
Diary DevelopmentPoultry Development/ HatcheriesFisheries including Prawn CultureSheep/ Piggery/ Goat RearingAnimal Driven CartsCattle Sheds with DiaryCapital Venture Fund Scheme of Diary and Poultry Processing
6. Non-Farm Sector ABCDEF
Tinny, Cottage and small Scale IndustrisRoad Transport/Passenger VehiclesIntegrated Loan SchemeKVIC Margin Money SchemeRural Housing SchemesAgriculture-Clinic and Agriculture –
G BusinessCommunity Halls, Rural Education Infrastructure, information Technology, Service Activities etc.
Position of Advancement
The detail of year wise loans advanced viz-a-viz to target are given below:-
Progress under Debt Waiver & Debt Relief Scheme-2008
*49464 small and Marginal Farmers given debt waiver relief amounting to Rs. 195.98 crore.
*10094 Other farmer covered under OTS for an amount of Rs 2054.23 crore up to 31.12.2010.Total claims lodged under Small and marginal foarmers Rs. 195.98 croreToral claims lo0dged under other farmer Rs. 20.55 croreAmount received from GOI/NABARD Rs. 216.53 croreBalance to be released by Govt. of India Rs. Nil
1. Bank has never defaulted in its payment to NABARD so far. In case of default, NABARD may stop refinance to all co-operative Institutions in the state of Haryana.
2. Bank has already moved a case to the state Govt. for sanction of soft loan amounting to Rs. 200.00 crore payable in equated installments so that vicious cycle of liquidity crunch could be broken.
Steps taken to improve the recoveryIn order to boost up the recovery position in DPCARDBs, various
review meeting of CEOs are held on periodically basis. RCS, Haryana revived the performance of CEOs in its various meetings.The recovery position of DPCARDBs under different head is as under:-
1. It was observed that 8305 loanees had expired and a sum of Rs. 8852.09 lacs was outstanding them. Against this amount, DPCARDBs have recovered as on 30.06.2011, a sum of Rs. 3389.50 lacs from the legal heirs of the deceased loanee and process of issuing notices to all legal heirs in the prescribed Performa is under process.
2. Similarly, CEOs have detected 163 loan case amounting to Rs. 135.33 lacs where the mortgaged land has either been sold out or acquired. Out of which, they have recovered a sum of Rs. 126.50 lacs form 132 loanees as on 30.06.2011. They have been directed to complete the identification of such cases and to take suitable legal action against the quilty in such cases.
3. CEOs were advised to take action against defaulter’s loanee under RHS and NFS. Under this head, there were 21194 defaulters with default amount of Rs. 25657.92 lacs. DECARDBs have prepared and issued notices to 10485 loanee in order of default and period of default DPCARDBs have been able recover Rs. 4989.64 as on 30.03.2011. The procedure of effecting recovery form the defaulters in accordance with the amendments of section 75(1),(ii) of Haryana Cooperative Societies Act 1984 and for making
amendments in Rural 57 of Haryana Cooperative Societies Rules 1989, the proposal has been sent to the RCS for making rules as provide in Section 131(xxiia) by the Government.
4. DPCARDBs had obtained post – dated cheques from the loanees at the time of the advancement. Now notices to 12457 loanees involving Rs. 8909.44 lacs were issued and DPCARDBs had received Rs. 2845.21 Lacs from 4219 loanees as on 30.06.2011.
CEOs have been directed to ensure that there is proper appraisal of loan cases before disbursement and there should be proper post disbursement follow up. Bank has launched special campaign to take legal action against the defaulters as per provisions of Haryana Cooperative Act. They have been given guidelines to work out their recovery strategy for each branch of their district. In addition of the above measures, Bank have been allocating monthly recovery targets to field functionaries since August 2010, which are reviewed on weekly basis.
Bank has also issued instructions to the employees posted in field that all benefits like loans and their annual increments will be linked to their recovery performance. In order to motivate the staff, Bank has promoted 86 officials. Similarly, 39 field functionaries, who have done well in recovery performance, are being issued appreciation letters. Field functionaries have been allocated month wise recovery targets and their performance is reviewed on weekly basis.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Branch.
The Panchkula District Primary Co-operative Agriculture And Rural Development Bank Ltd. Panchkula.
The Panchkula District Primary Co-operative Agriculture And Rural Development Bank Ltd. Panchkula is controlled and administrated under the Haryana State Co-operative Agriculture and Rural Development Bank Ltd. Panchkula and all the schemes regarding advancement of loans is being pursued on the direction of its Head Office as per detail given below:-
Schemes of Loans being pursued:-
1. Minor Irrigation abcd
Shallow/Deep TubewellsSprinkler IrrigationWater Conveyance SystemRainwater Harvesting Tank for SC/ST
Land ReclamationLand LevelingRedemption of LandPurchase of LandWater land DevelopmentAgri. Organic Inputs
5. Animal Development ABCDEFg
Diary DevelopmentPoultry Development/ HatcheriesFisheries including Prawn CultureSheep/ Piggery/ Goat RearingAnimal Driven CartsCattle Sheds with DiaryCapital Venture Fund Scheme of Diary and Poultry Processing
6. Non-Farm Sector ABCDEF
G
Tinny, Cottage and small Scale IndustrisRoad Transport/Passenger VehiclesIntegrated Loan SchemeKVIC Margin Money SchemeRural Housing SchemesAgriculture-Clinic and Agriculture –BusinessCommunity Halls, Rural Education Infrastructure, information Technology, Service Activities etc.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Branch._____________________________*_____________________*________________________
Haryana SUGARFED PANCHKULA
The undersigned has visited Haryana SUGARFED PANCHKULA and attended by Dr. Yadav who is posted as cane advisor. He has given wide information about the Sugar Mills which are working under the control of Sugar Fed. Haryana. There are 11 Sugar Cane Mills installed in the Haryana State out of which 10 are working under Sugar Fed. Haryana and one is working under the HAFED.
Structure:-
Sugarfed having its registered Head Office situated in Sector-2 Panchkula which is controlling all the Sugar Mills running in the state of Haryana.
Commissioner (Co-operation) is also the chairman of Sugarfed who is having rank of I.A.S. and some time government can appoint any political person on the said post. One I.A.S. has been appointed by the government as a Managing Director of Sugarfed. The Sugarfed has also appointed one Cane Advisor, Technical Advisor,(Engineer) and Advisor Fiancé. The said staff is looking-after the affairs of all Sugar Mills running in the state.
Objectives:-
The Sugarfed has to establish the new sugar mills in the state and to prepare its development plans and to fix Varity-wise rates of cane of farmers and provide them subsidy and also provide financial assistance from the Centre Government as well as State Government at lower rate of interest on account of sugar development fund. Preparation of Cane Development Plan for improving productivity and income to the farmers from sugar cane crop.
Cane Development Scheme:-Strengthening of Tissue Culture Lab & Bio Control labs. (b)
Machanisation of cane cultivation.(c) Arrangement of finance for the about under RKVP Scheme.(d) Cane Development Plan for Rs. 41.67 crores for 2010-2011 and Rs. 37.28 crores for 2011-12. (e) The area under sugarcane in increased form 82570 acres (in 2009-10) to 145171 acres (in 2010-11).
The expected area under sugarcane for the year 2011-12 will be 200000 acres.
Function of Sugar Mills:-
All the Sugar Mills situated in Haryana are functioning under the control of Sugarfed which are registered under the Haryana Co-operative Societies Act and also controlled by Registrar Co-operative Societies. All the rules and Bye-laws have been framed and approved by the Registrar Cooperative Societies Haryana.
There is one biggest sugar mill situated in the area of Shahbad (Haryana) having its capacity of 5000 T.C.D. and the another one situated at Rohtak (Haryana) having capacity of 3500 T.C.D. , 4 sugar mills also situated in the state of Haryana capacity of these mills are 2500 T.C.D. and remaining sugar mills are having capacity of 1600 T.C.D. The total capacity per day of the above said mills are 250000 T.C.D.
Future Projects & Schemes:-
1. Installation of Distillery Plant in Shahabad Sugar Mills.2. Expansion, Modernization & Co-generation in Karnal Sugar Mills.3. Expanionm Modernization & Co-generation in Panipat sugar Mills.4. Co-generation, Projects for all the Sugar Mills.
Problems:-
Due to insufficient production of sugar cane, these sugar mills are facing much difficulties as they can not run for much time and they are bound to close the sugar mills for long times. The farmers are not getting suitable rates for their production of sugar cane and they have also stopped to produce the same and bound to cultivate other crops like paddy and wheat etc. Due to some climatically reasons the recovery of the sugar cane is not proper which is now @ 8.45%, which is required at-least 11% to make the said mills as viable units.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Sugarfed.__________________________*____________*____________________________________
The Punjab State Co-operative Milk Plant Phase-2 Mohali Punjab
Accordingly the undersigned has visited Verka Milk Plant Phase-2 Mohali (Punjab) and Miss. Ramina, Diary Assistant, quality control has attended us and given entire information about the milk plant Mohali as per detail given as under:-
Milk Union Ropar which commenced its function in the year 1979 with only 20 societies supplying 300 Kgs. Milk per day, has scaled new heights in every hand. With the deep faith of milk producers in the Anand pattern and Co-operative philosophy, Milk Plant Mohali of Ropar Union is now one of the best plants in Co-operative sector.The salient points of its performance are as under:-
1. Functional Societies:- Total 1038 societies having membership of about 51995 Milk Producers and functioning at present.
2. Milk Procurement: - Dispite stiff competition, 246895 Kgs. average per day milk was procured during the year 2010-11 showing 13% improvement over corresponding period of last year. During the current year i.e. April 2011 to December 2011, the milk procurement comes to 246718 kgs average per day showing 12% improvement over corresponding period at last year.
3. Procurement Rate: - The union pays highest price to the milk producers in the state. In the last year i.e. 2010-11 Rs. 187.00 crores has been released to the societies in the form of milk payment. During the current year i.e. April to December 2011, Rs. 158.32 crores has been paid to societies for their milk. To encourage cow milk, Rs. 10 per kg SNF as incentive is also being given.
4. Cattle Feed Supply: - During the year 2010-11, total 26485 M.Ts of cattlefeed supplied to societies. During the current year i.e. April to December 2011, total 20704 MTs of Cattlefeed supplied to societies which is 8% more than last year.
5. Fooder Seed Supply:- Availability of green fodder which plays an important role in Milk Production has been paid due attention. During 2010-11, total 991 Quintals of fodder seed have been supplied to societies. During the current year i.e. Arpril 2011 to December 2011, total 960 quintals of fodder seed supplied to societies.
6. Animal Health Services: - Ropar Union is the only Union in Punjab State, Which provides cost free vety. Services through
mobile Vety. Routes to member milk producers at their doorstep. During the year 2010-11, total 416040 animals have been treated as cost-free and during the current year i.e. April 2011 to December 2011, total 263460 animals have been such treatment. In addition to mobile routes, emergency vet. services are also made available to the farmers and 519 animals have been treated under this services upto December 2011. For the year 2011-12 a provision of Rs. 40 lacs has been made for providing free Veterinary medicines to farmers.
7. Animal Breed Improvement Programme:- Under the Animal Breed Improvement Programme of milch animals, Artificial Insemination services are being provided to societies. Presently, 9 Single A.I. and 138 Cluster A.I. Societies covering total 1001 village are providing these services in the milkshed. During the Year 2010-11, total 124383 animals were inseminated and during the current year i.e. April 2010 to Dec. 2011, total 102462 animals have been inseminated under this programme.
8. Clean Milk Production Programme: - A specifc Clean Milk Production compaign has been started at grass root level and all societies have been covered under this programme. Besides, milk payment has been linked with quality to motivate the farmers for producing quality milk. During the year 2010-11, an amount of Rs. 208.57 lacs have been paid to societies in this form of such incentive. During the current year i.e. April 2011 to December 2011, an amount of Rs. 76.38 lacs have been paid as an incentive to the societies for the milk having good MBRT supplied by them.
9. Installation of BMCs/AMCs: - Under the Clean Milk Production Programme, 130 Bulk Milk Coolers have been installed in the societies so far to make the milk procurement Cans less/tempo less to instantly chill the milk at society level itself, Besides, 464 Automatic Milk Collection have been installed in the societies so as to make the system more transparent and responsive.
10. Liquid Milk Sale:- During the year 2010-11, average 306083 ltrs of milk per day has been supplied to urban areas registering an improvement of 24% over the year 2009-10.
During the current year i.e. April 2011 to December 2011, average 352879 ltrs pasteurized milk per day supplied to urban areas showing 17% improvement over corresponding period of last year. Presently about avg. 325000 ltrs milk is being supplied daily which is 10% more than last year.
11. Sale of fresh milk products:- During the current year i.e. April 2011 to December 2011, average 13% more Paneer, 14% Curd, 7% Kheer, 25% Bioyogurt and 4% Plain Lassi waw supplied over corresponding perid of last year.
12. National Productivity Awards: - a) National Productivity Council has given First National Productivity Award to this plant on the basis of the merit of its performance in the year September 2009.
13. Launching of Verka Sweets: - To sale guard the interest of consumers manufacturing of Verka sweets with pure Desi Ghee and Khoya in plant campus has been launched. As such 1.0 lac boxes of sweets were sold on the eve of Diwali festival this year.
14. Financial Health of Milk Plant: - This plant earns substantial profit every year and during the year 2010-11, net profit of Rs. 7.01 crores has been earned. During the current year i.e. April 2011 to December 2011, tentative net profit of Rs. 5.43 crores has been earned by the milk plant.
Being a viable unit with robust financial health, this plant pays dividend to all member societies out of its earning every year.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Milk Plant Mohali.
Visit to HARCO Bank Training Centre Sector-2 Panchkula
Accordingly the undersigned has visited Staff Training Collage(STC) HARCOBANK, Panchkula (Haryana) and Mr. Tara Chand Manager/F.M., has attended us and given entire information about the Staff Training Collage(STC) HARCOBANK, Panchkula (Haryana) as per detail given as under:-
1. Objective of the Training:-
The Staff Training College (HARCO Bank0 was established during the year the year 1982 as per decision of the BODs meeting held on 24.03.1982 with the objectives to improve the efficiency & performance of the employees. But the same had been closed by the Board of Bank during the year 1990 and remained closed upto 1992. There after, BODs reviewed the importance of the training college and decided to restart the college in 1992.
2. Target Group:- Target group for imparting training was decided to be officers/officials i.e. General Manager, Assistant Managers/ Dev. Officers. Acctts, Clerks of SCB/CCBs and Secretaries deployed at PACS level. Later on salemen/Clerks as well as members of Managing Committee of PACS were also included in the Programme.
3. Management:- A standing Committee consisting of following is managing the affairs of the college:-
1. Managing Director Chairman2. The Chief General Manager
(Regd. Office)Member
3. Representative NABARD Nodal Officer4. Principal STC Panchkula Member Secretary
4. Methodology:- The methodology adopted in class- room teaching & group discussions with trainees by faculty. Besides this, senior existing. Retired officers of NABARD/commercial banks and cooperative department are invited as guest faculty, the objective of these trainings is to equip them with latest developments in banking. Mover over, the
concept of ice- breaking and HRD have introduced from the year 2008-09.
5. Training Assessment:- The needs of training is assessed by Faculty Members of STC by visiting DCCBs and accordingly, design course contents from them. The Calendar of Courses for the training Programme be conducted in the ensuring year are designed/ prepared in the month of February/ March of every year after the approval of the Standing Committee of the College.
Therefore, Calendar of Courses is circulated amongst the Apex Bank and DCCBs for identification of employees who need training.2- Rules & Regulations:-Staff Training College is following the rules and regulations prescribed by the Haryana State Co-operative Apex Bank Ltd; Chandigarh being the offshoot of the Bank.
6. Education Qualifications:- For imparting the training, there are three faculty members and one Principal, There is also adequate Secretarial staff to assist in proper functioning of the staff.The Education Qualifications are as under:-
7. Criteria of Financial Assistance from NABARD and HARCOBank:-The Training Collage is getting financial assistance from NABARD under SOFTCOB Scheme of financial assistance for training of Co-operative Bank Personnel since the year 1998 @ 60% of the total expenditure incurred by the Training Collage. Later on, in the year 2007 NABARD reviewed the scheme and after consideration the expenditure incurred for the training activities fixed @ Rs. 720/- per participant per day. Further, it was again reviewed in the year 2007 and curtailed the financial assistance from Rs. 720/-to Rs. 450/- per participant per
day. Now, latest assistance provided by the NABARD Rs. 600/- per day per trainee. Staff Training Collage submitted the claim for reimbursement on quarterly basis as per guidelines of the NABARD.
8. Plan for the Year 2012-13:- Proposed Calendar of Courses for the year 2012-13 contain 37 courses to train 1194 officers/officials SCB/DCCBs/PACS and non- officials of DCCBs/PACS. The staff Training Collage would also conduct the training on location programmes at DCCBs level for Staff of DCCBs/ PACS to train the staff more effective and efficient.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Staff Training Collage.
INTEGRATED CO-OPERATIVE DEVELOPMENT PROJECT YAMUNANAGAR (HARYANA)
Accordingly the undersigned has visited I.C.D.P. Yamunanagar (Haryana) and Mr. Mohan Lal General Manager, has attended us and given entire information about the I.C.D.P. Yamunanagar, (Haryana). As per the information provided National Cooperative Development Project has provided funds to the Govt. of Haryana for the implementation of different kind of schemes through I.C.D.P. to the different Cooperative Societies situated in the state of Haryana. Accordingly the funds through the said scheme has been provided to I.C.D.P. Yanunanagar to the tune of Rs. 849.71 lacs for further distribution to the cooperatives for the implementation and up-gradation of the cooperative societies. The tenure of said project is 5 years during which I.C.D.P. has to provide funds to PACS for the construction of Godowns, Boundaries walls/Fencing, Furniture & Fixture, Deposit counters, Safe and in the shape of margin money and simultaneously the I.C.D.P. has also to provide funds to Marketing Societies ,Primary Agriculture Land Development Bank, L&C societies, allied sector, Banking sector, (other) and manpower Development and Training. The achievement of the said I.C.D.P. given as under:-
Sr. No.
Sector Wise/ Activity Wise
TargetAs per Division of Target for 5 Years
AchievementDuring the month
AchievementUp to date for 5 Years
1 AgricultureA PACS1 Godown-cum-
office (100MT)34 143.25 -- -- 32 134.25
2 Major 8 9.14 -- -- 7 8.173 Minor 31 18.60 -- -- 29 17.404 Boundary Walls/
Jagadhri Co-operative Market Society Jagadhri, Distt. Yanumanagar
Accordingly the undersigned has visited Jagadhri Co-operative Market Society Jagadhri, Distt. Yanumanagar, Mr. Ram Kumar Manager, has attended us and given entire information about the Jagadhri Co-operative Market Society Jagadhri, Distt. Yanumanagar (Haryana) as per detail given as under:-
The Society was registered vide Registration No. 65 dated 20.02.1953 the area of operation is extended over eleven market committee in Distt. Yamunnagar. The main purpose of the society is to make arrangement for storage and marketing agriculture produce, supply of various products related to agriculture and to act as agent of the Govt. for the procurement of agri produce and some others.
The BOD was appointed vide DR. Coop. Societies Karnal Letter No. 130-133 dated 27.01.2009 in which the tenure of the Board of Administrators of the society was extended for a period of six month or till election which ever is earlier. The last BOA was appointed by Financial Commissioner and Principal Secretary to Govt. of Haryana Cooperation Department vide order endst. No. 1347.C-7-2009/11757 dated 09.09.209 in which the tenure of the Board of Administrators of the Society was extended for a period of one year from 26.06.2009 to 25.06.2010 or till election which ever is earlier. The BOD of the society is appointed vide Assistant Registrar, Cooperative Societies, Yanuma Nagar endst. No. 15/4/ Mkt/88/ea/12511-13 dated 29.09.2010 as per detail of election members given below:-
Balance Sheet as on 31.03.2011 of the Jagadhari Coop. Mkt. cum Processing Society Ltd. Jagadhari New Grain Market.
LIABILITIES SIDE
ASSETS SIDE
Share Capital CASH AND BANKSHARE CAPITAL GOVT. 2101000.00 CASH IN HAND 38537.00SHARE CAPITAL ICDP 750000.00 BANK ACCOUNT 1600567.96SHARE CAPITAL IND 197675.00 FDR WITH BANKS 10010000.00 11649104.96SHARE CAPITAL SOCS 925575.00 INVESTMENTSHARE CAPITAL SUP. 2722.50 3976972.50 SHARES OF OTHER
INST6114600.00
RESERVE FUND SECURITIES WITH DPT.
81300.00 6195900.00
RESERVE FUND & OTHER 9186201.85 OTHER RECOVERABLE
PROVISION RESERVE 87600.00 TRADE DRS. 660.55DEPRECIATION RESERVE 2915874.54 12189676.39 TDS RECOVERABLE 997624.39OTHER PAYABLE FERT. DEPOSITS 1507023.59AGRI. PRODUCTS 27178.50 SUNDRY DEBITORS 6869.00DIVIDENDS PAYABLES 270661.50 MKG EXP. A/C 755128.00 3267305.83HAFED A/C 955595.62 FIXED ASSETSSECURITIES WITH US 104277.07 PROPERTIES 4285114.67 4285114.67SONDRY CREDITORS 43067.00 CURRENT ASSETSTDS 28260.00 HAFED PRODUCTS 366786.00TRADE CREDITORS 209163.00 FERTILIERS 131288.00VAT 217813.28 1856015.97 WOOD FOR CRATES 2630593.00 3128667.00PROFIT SALES A/CUNDISTRIBUTED PROFIT 8643479.35 FERTILISERS 206967704.00PROFIT THE YEAR 1859947.95 STOCK AS AHRAT 11617157.00OPENING STOCK WHEAT AS AGENT 1072648337.00FERTILISER 209734.00 PADDY AS AGENT 807932556.00WEEDICIDES 1160821.00 WEEDICIDES 4950045.00HAFED PRODUCTS 79306.00 1449861.00 WOODENCRATES 9098780.00PURCHASE A/C CATTLEFEED 1468964.00FERTILISER 206171702.00 HAFED PRODUCTS 476269.00STOCK AS AHRAT 11617157.00 WHEAT SEED 1290000.00 2116419812.00WHEAT AS AGENT 1072648337.00 TRADING INCOME
GRAND TOTAL 2122763204.00 2122763204.00 2122763204.0 2122763204.0
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Jagadhri Coop Mkt. Staff_________________*______________________________________
The Haryana State Co-operative Supply & Marketing Federation Ltd.
Co-operative Office Sector 5, Panchkula (Hafed)
Accordingly the undersigned has visited The Haryana State Co-operative Supply and Marketing Federation Ltd. Pankckula Mr. Saurav Agnihotri DGM IT has attended us and given entire information about The Haryana State Co-operative Supply and Marketing Federation Ltd. Pankckula as per detail given as under:-
Mission:-
To play a leading role in serving the interest of the farmers of Haryana.
2. Procurement & Purchase Operations.3. Warehousing.4. Marketing of Agriculture Produce including Exports.5. Agro Processing Activities.6. New Intervention to Promote Farmers Income.
Accounts)Sh. Joginder Singh General Manager (Plants)Sh. A.K. Singh Addl. General Manager (Rice)Sh.Karnail Singh Addl. General Manager (Systems)Sh.Krishan Kumar Yadav District Attorney
The share capital of Hafed as on 31.03.2010 is Rs. 12.93 crore and it includes Govt. equity of Rs. 18.75 Lac.b) Reserve and Surplus :-
The Reserve and surplus of the Federation increased from R. 380.12 crore (as on 31.03.2006) to Rs. 630.82 crore (as on31.03.2010). Yea-wise position of Reserve and Surplus of the last five years is as under:-
Year Ending Amount (Rs. In Crores)31.03.2006 380.1231.03.2007 385.5231.03.2008 397.5031.03.2009 579.3831.03.2010 630.82
Turnover and Profits:-
The turnover and the profit during the last 5 years is as under:-
Amount (Rs. In Crores)Financial Year Turnover Net Profit
The investment of Federation in various cooperative and Public Sector Institutions increased from Rs. 116.60 Crore to 117.61 crore. Hafed has invested in the equity of IFFCO,KRIBHCO, NAFED, IPL, NCMSL, Cooperative Sugar Mill, Gohana and Cooperative Sugar Mill, Sirsa etc. Data of last five years is as under:-
Year Ending Amount (Rs. In Crores)31.03.2006 116.6031.03.2007 116.6031.03.2008 116.6031.03.2009 116.6031.03.2010 117.61
PROCUREMENT:-
a) WHEAT PROCUREMENT ON SUPPORT PRICE
Hafed is one of the State agencies for procurement of wheat on support price announced by the Govt. of India from time to time and has been procuring wheat is since 1969. After procurement wheat is delivered to FCI for central pool. It is one of the most important activities of the Federation. Amongst all the State Procuring Agencies, largest share of wheat procurement is allocated to Hafed. The performance of Hafed in wheat procurement during the last five years is as under:-
Hafed procures wheat through its member cooperative Marketing Societies for which service charges @ Rs. 10/- per MT is paid to them.
b) PROCUREMENT OF BAJRA ON SUPPORT PRICE:- Hafed is also one of the state agencies for procurement of Bajra on Support Price. The performance of Hafed in Bajra Procurement during last five years is as under:-
Nafed is the central nodal agency to undertake procurement of Mustard Seed on support price in the country. Nafed procures Mustard Seed through Hafed in Haryana. As per the scheme, Mustard Seed is procured on support price only from the shops of Coop. Mkt. Societies for which service chagers @ 1.25% of the support price is paid to the societies.
Hafed makes commercial purchases of mustard seen in its own account in order to meet out the requirement of Hafed Oil Mills Rewari &
Narnaul and also provide remunerative prices to the farmers in the state to save the farmers from exploitation by private trader.
The detail of purchases made by Hafed on support price and on commercial basis during last five years is as under:-
Hafed also procure Sunflower Seed on support price on the behalf of Nafed, which is the central nodal agency for procurement of Sunflower seed. Procurement of Sunflower seed on support price by Hafed during 2009-10 is 1648 MTs.
3. PROCUREMENT/ PURCHASE OF PADDY:- Hafed is one of the state procuring Agencies for procurement of paddy under support price operations. Hafed owns 13 Rice Mills with a capacity of 30.2 MT of paddy per hour. Hafed also makes commercial purchases of Basmati varieties of paddy to ensure competitive prices to the paddy growers. The performance of Hafed in Paddy procurement during the last five year is as under:-
Procurement of Basmati and other varieties of Paddy on commercial basis during the last five years is as under:-
Qty. in Lac MTs)(Rs. In Crores)
Year Basmati
Mutchal Sharbati Total Amount
2005- 1004 6147 974 8125 08.00
20062006-2007
100 -- -- 100 20.00
2007-2008
4535 2158 2399 9092 18.50
2008-2009
5026 7429 1867 14322 29.50
2009-2010
1822 9842 1225 12889 26.00
4. INPUTS:- A Fertilizers:-
Hafed is rendering services in providing agricultural inputs in providing agricultural inputs viz Fertilizers, Pesticides, Insecticides, Seeds etc. on reasonable process at the door-steps of farmers including remote areas through member cooperative marketing societies all over the state in order to boost agricultural production. The distribution of Fertilizer through Cooperatives in the State during last five years is as under:-
(Qty. in Lac MTs)(Rs. In Crores)
Year Sale of Fertiliser Turnover2005-2006 4.26 262.982006-2007 5.09 316.482007-2008 6.68 476.132008-2009 5.89 460.152009-2010 6.30 463.05
B) Certified Seeds:- Certified seed is procured by Hafed form Haryana Seeds
Development Corporation for distribution to the farmers through cooperative marketing societies and Hafeds own outlets.The seed distribution scheme through cooperative has been liberalized to the extent that the entire margin available on certified seed from Haryana seed Development corporation is passed on to the cooperative Marketing societies. Hafed has now entered into seed production for providing good quality the State and has installed best technology seed processing plant at Ganaur.
C Pesticides:- The requirement of Pesticides for distribution to farmers through the
cooperative generally depends on prevailing weather conditions availability of pesticides with private traders and the availability of kind in addition to
pesticides formulated at Hafed pesticides Plant Taraori, pesticides of other reputed brands are also arranged on consignment basis and are sold through cooperative network.
5. Marketing:- With a view to provide marketing support to the processing activity
of Hafed by creating regular demand of its brands consumer products like Basmati Rice, Parmal Rice, Kachchi Ghani Mustard Oil, Refind Soyabeen and Cotton seed oil, Desi Wheat, Desi Wheat atta, Sugar, Turmeric Powder etc. Apart of farmers Hafed is also watching the interests of the consumers by supplying quality products at reasonable price.
6. Contract Farming:-
With an intention to extend the benefits of contract farming to larger number of farmers and, therefore to cover more number of farmers and therefore to cover move number of farmers, Hafed due to its strengths of farmer linkage and procurement facilities, also facilitates contract farming. Hafed undertakes contract farming of Barley, Basmti Paddy and Desi Wheat, Farmers get better prices of their produce, are being provided free of cost advisory services and subsidized weather based crop insurance.
7. Warehousing:-
With repid increase in food grains production in the state and increased role of Hafed in support price operations, market intervention activities and timely supply of agricultural inputs, it has become necessary for the Federation to have its own storage capacity. To provide scientific storage for maintaining the health of food grains and other commodities being handled by Hafed in adverse climatic conditions and also to save it from rodents, pest etc, Hafed has over the years created its own scientific storage capacity of 8.64 lac MT godowns. Since the peak storage requirement of Hafed being largest procuring agency of State, is quite high, therefore, Hafed has also constructed storage plinths of 12 lacs MT Capacity, for short duration storage of food-grains.
HAFED SUGAR MILL, ASSANDH:-
Hafed has set up a sugar Mill of 2500 TCD capacity alongwith co-generation of 2 MW exportable power to State Grid at Assandh. All the Plant and machinery of the Sirsa Cooperative Sugar Mill of 1750 TCD capacity was purchased by Hafed and same was shifted and installed at Assandh alongwith new machinery up to the capacity of 2500 TCD. The Project cost of the mill is Rs. 80 crore approximately.
Export:-
During the year 2009-10 Hafed has exported 243 MT Rice to M/s Gautam General Trading Dubai through associate exported M/s Aggrawal Agro industries Barara. The value of Rice exported by Hafed was Rs. 1.38 crore.
Information Technology:-Various initiatives have been taken to enhanced the penetration of
I.T. in the organization. Some of the projects under taken during this period includes comprehensive computerization of all the member cooperative marketing societies, on-line monitoring of court cases , online sales monitoring etc. The process of obtaining ISO 9001:2008 for quality management and ISO 22000:2005 for food safety management system certification for different business units of Hafed was also initiated.
Strengthening of Member Cooperative Marketing Society:- Hafed being an Apex Federation of the cooperative marketing
society to committed to watch the interest of its member societies. The entire business of Hafed viz. Procurement, supply of input etc. routed though these societies in the stated. Thus Hafed not only provided remunerative prices to farmers for their produce but also pay commission to its member cooperative marketing societies on the business done through them. The strengthen the base of cooperative marketing societies, following steps have been taken by the Hafed:-_
1. The salary of managers/ accountants borne on common cadre, posted in the cooperative marketing societies, which are running in the losses are paid by Hafed from its own resources, to ensure efficient management and batter profitability of these societies.
2. Hafed provides wholesale work to those cooperative marketing societies which are willing to undertake this business and have good financial position. At present 35 cooperative marketing societies are doing the wholesale business of fertilizer in the state.
3. Handsome amount of commission is paid to societies and procurement of wheat, paddy barley etc. The rates of commission are increased by Hafed from time to time. The commission on wheat is being paid @ Rs. 1 per Qtl. W.e.f. rabi 2000 onward.
4. The Cooperative Marketing Societies which are not in a position to utilize their godowns Hafed hire their godowns on attractive rates and thus provides them handsome rental income on this account.
5. The Trucks of members cooperative marketing societies are also utilized by Hafed on priority basis. The Societies earn good transportation income for the truck purchased by them.
6. Hafed has made consistent efforts to uplift the marketing base of coop. Mkg. Societies in the state, by motivating them to boost the sale of Hafed consumers products , for example Rice Kachchi Ghani Mustard Oil, Refind oil along with Hafed cattle feed and pesticides.
Staff Welfare Activities:
The federation has stepped ahead in promoting the welfare of employees by providing security of service through the common cadre service rules, incentive of welfare facility to increase efficiency and to improve productivity.
ALLOCATION OF NET PROFIT(Amount In Rs,)
Sr.No.
Name of Fund Basis of allocation 2009-2010
1. Bad and Doubtful Debt Fund
10% of net profit as per section 87(1) (a) of Haryana coop. Societies Act, 1984
43455147.00
2. Price Fluctuation Fund
10% on net profit as per rule 13(ii) of Hafed Bye-Laws.
43455147.00
3. Coop. Education Fund
Not exceeding 5% of net profit as per rule 43(iii) of Hafed Bye-laws, subject to max, of Rs. 7.00 lac fixed by Registrar Coop. Socs. Haryana vide his memo No. 8/3/2002-E&T(II)13761-792 Dated 22.10.2002
700000.00
4. Dividend 10% on paid up share capital as per rule 43(iv)(a) of Hafed Bye-laws.
12891700.00
5. Income Tax Income Tax paid for year 1994-95 & 1999-2000
203604817.00
6. Reverse Fund At least 10% as per rule 43(i) and 43(iv) of Hafed Bye-laws.
130444661.89
Total 434551472.89
Future Plan for IT Penetration:-
1. IT Roadmap for next 5 years is being prepared.2. Website is being converted into a dynamic portal to facilitate access
for all the stake holders and to utilize the same for e-advertisement and web marketing for Hafeds Products.
3. Implementing good quality ERP package.
I am thankful to the Saurav Agnihotri DGM IT and his staff of HAFED Panchkula (Haryana) for the cooperation extended for providing the information regarding HAFED (Haryana).
The Punjab State Co-operative Development Federation Ltd. 49 Industrial Area-1 Chandigarh
Accordingly the undersigned has visited The Punjab State Co-operative Development Federation Ltd. 49 Industrial Area-1 Chandigarh Mr. Lakhbir Singh Mawat Editor has attended us and given entire information about the Punjab State Co-operative Development Federation Ltd. 49 Industrial Area-1 Chandigarh) as per detail given as under:-
The Punjab State Co-operative Development Federation Ltd.(PUNCOFED) is one of the oldest organization which was organized in 1919 at Lahore in the name of The Punjab Cooperative Union with the objective of creating enlightened membership and leadership for the Cooperative Sector of the State. Due to partition, Punjab was registered afresh on 31.04.1952 with Headquarters at Jalandhar. The National Cooperative Union of India, New Delhi entrusted this organization with the work of implementation of Member Education Scheme in Punjab in the year 1956. The Headquarters of this Organisation was shifted form Jalandhar to Chandigarh in April 1965.
Main objectives of PUNCOFED are to promote and develop the Cooperative Movement in the State by imparting Cooperative Education and Training to Members, Prospective Members, Managing Committee Members, Salemen/Managers of Primary Cooperative and to guide and assist the people in their effort to build up and expand the Cooperative Sector and to serve as an exponent of cooperative opinion.
In furtherance of the above objects, this institution:-
1. implements Cooperative Education programme formulated by NCUI and RCS, Punjab from time to time.
2. Gives publicity to the a achievement, policies and programme of Cooperatives through the production and publication of Audio-visual Aids and Literature on Cooperative. Other various media such as periodicals, journals, pamphlets, folders, bookltets, wall posters, charts, supplements in news papers, firms strips, talks on Radio/T.V. are adopted for creating the favorable atmosphere for the development of the Cooperative Movement.
3. Publishes a forthnightly magazine Punjab Cooperation to enlighted and inform the people about cooperative movement.
4. Convenes and conducts the state cooperation congress, seminars, meetings, functions and arranges exhibitions on cooperation.
5. Organises, conducts, collaborates and assists in carrying out research and assists in carrying out research and investigation of projects on important cooperative problems.
6. Acts as information Bureau of Cooperative movement in the state.7. Runs an offset Printing Press to cater to the printing needs of
Coopererative.8. Undertake sale of Stationery items, Registers, Act. Rules and Bye-
Laws etc. required for running the business of the Cooperative.9. Acts as representative of the Punjab Cooperative Movement in the
State and National spheres and also to advise the State Govt. in the matter relating to cooperative movement.
10. Imparts knowledge of family welfare, population problems, birth control and prevention of AIDS, among members of cooperative and other reral population in accordance with the State and National Policy.
11. Enlightens of Members, Managing committee members of societies and other employees of Primary Cooperative Societies about their duties and responsibilities.
Education and Training:-
Under the guidance of NCUI, New Delhi and the Register Cooperative Societies Punjab, PUNCOFED has been imparting Education and Training since 1957. There are 26 sanctioned posts of Education Instructors but due to paucity of funds only 10 Education Instructors are on the job. Two Instructors have been posted in the Head Office. As such, 8 Education Instructors are engaged in the Education and Training Programme in the field. They are working under the supervision of Asstt. Education Officers and Cooperative Officer.
Education Instructors form June 2001 have started organizing Awareness Camps for the committee members of Apex, Central and Primary level cooperatives. During the year 2007-08 five Distt. Level cooperative Awareness Camps were held in which 975 participants took part. Puncofed has also stated organizing Block Level campus on Women
Empowerment during the year 2007-08. 93 camps were organisied whish were attended by 4233 women cooperators.
During the cooperative week celebrations 2007, 105 Block level Awareness camps were organized through out the state which were attended by 20414 cooperators. PUNCOFED educational staff also organized awareness camps for elected representatives of primary Agri. Secvice societies evey Friday at Block level throughout the State and during the year 2007-08, 215 such camps were organized in which 13129 participants took part. PUNCOFED in collaboration with Milk fed (Pb) organizes camps for Primary Milk Cooperative every Tuesday throughout the State, during 2007-08,88 such camps were organized and 4545 members participated. A quarterly celender of these awareness workshops is prepaired well in advance. New Education Policy was started from July 2008 under every Assistant Registrar was directed to hold at least one Camp in his circle every fortnightly and upto October 2008,260 such camps were organized which were attended by 28499 participants.
The Education and publicity activities are carried out without any Government Assistance. Puncofed had been receiving Govt. Assistance since 1957 under the plan but the assistance has been totally discontinued from the year 1995-96. PUNCOFED is not a business institution rather it is an Education Institution. Even then it is pulling on these activities by metting out the expenditure out of its meager resources i.e. Printing, Advertising, Sale of Books and collection of Cooperative Education Fund.
MAGAZINE:-
PUNCOFED publishes a Forthnightly Magazine “Punjab Cooperation” which carries articles on important aspects of Cooperative Movement, Department circulars, stories of successful societies, court decision, interviews of eminent cooperators etc. The matter of the magazine is now catering the need of all level of Cooperatives. Pages have been made collude and earmarked for departmental news and activities concern for community, news review, news clippings, social and literary activities and legal review. The Progress made by magazine to as under:_
2007-08Life Membership 3298One year Membership 200Business 1552303.00
Cooperative Advertising Agency:-
PUNCOFED has established a cooperative Advertising Agency under the directions of the Registrar Cooperative Societies, Punjab. All advertisements of Cooperative for publication in the Newspapers are routed
through this agency. The Advertising business handled by the agency during the last three years is as under.
PRINTING PRESS:-PUNCOFED has installed its own Offset Printing Press to cater to the
printing needs of Cooperatives. The quality of printing work is above mark. The Printing Press has shown good results and earned profit. The progress made during the last three years as under:-
PUNCOFED, printed & distributed free of cost pamphlets and folders of nine types during the year 2007-08 numbering 99500.
Education Funds:-
Education fund is collected from cooperative institutions @ 2% of the net profit subject to the ceiling prescribed the Registrar Cooperative Societies, Punjab. At present the rates are as under:-
Primary Societies 2% of the net Profit of the year subject to Maximum of Rs. 3000.00
CCB, Sugar Mills, Spining Mills & Milk Unions
2% of the net Profit of the year subject to Maximum of Rs. 1.50 lacs.
Other Central Cooperative Socieites including PADBs , Marketing socs. & Urban Banks
2% of the net Profit of the year subject to Maximum of Rs. 0.50 lacs.
Apex Cooperative Institutions 2% of the net Profit of the year subject to Maximum of Rs. 3.50 Lacs.
The Education fund collected by PUNCOFED during the last three years is as under:-
2 Members Trained 18239 10455 140033 School Lectures Given 165 81 178
COOPERATIVE AWARENESS WORKNESS:-
No Att. No Att. No. Att.Block level Camps CASS 215 1312
9226 3451
9199 8825
Block level Milk Producers camp
88 4545 52 3569 31 858
Block Level women awarness camp
93 4233 59 3714 66 2923
I am thankful to the General Manager and his staff of PUNCOFED Punjab for the cooperation extended for providing the information regarding PNCODED Chandigarh.
The Mani Majra Co-operative Cum- Processing Society Ltd.
S.C.F 103 Grain Market Sector 26 CHANDIGARH
Accordingly, the undersigned has visited The Mani Majra Co-operative Cum- Processing Society Ltd S.C.F 103 Grain Market Sector 26 CHANDIGARH Mr. Gopal Singh Accountant has attended us and given entire information about Mani Majra Co-operative Cum- Processing Society Ltd S.C.F 103 Grain Market Sector 26 CHANDIGARH as per detail given as under:-
Board of Directors:-
Sr.No.
Designation
1 Chariman 12 Elected Member 63 Govt. Nominee 3 (Inspector Agri., ARCS and B.D,O,
Staff Position:-
1 Manager 1 Coop. Inspector on Deputation2 Accountant 1 Regular3 Peon 3 on contract
The Manimajra Cooperative Marketing Cum Processing Society Ltd., Chandigarh, was registered on dated 31.08.1959 vide registration No. 333 for following objectives:-
1. To make arrangements for the storage and marketing of agriculture produce primarily of its members.
2. To supply seed, manure, agriculture implements and other requirements of the members.
3. To arrange grading and processing of agriculture produce primarily of its member and purchase of hire and install suitable machinery of this purpose.
4. To hire or own godown and cold storages and to establish and undertake running of warehouses for the storage of produce.
5. To act as agent of the Government for the procurement of agriculture produce.
6. To act as agent of the member credit societies for the recovery of loans given by them to their member,
7. To grant advances to members on the security of their produce.8. To undertake measures to spread knowledge of cooperative
principles and practices.9. To disseminate among its members knowledge of the latest
improvement in agriculture and to provide a news service to members about the market rates and allied matters.
10. To undertake such other activities as are conducive to the attainment of above objects.
This is the only society of its kind functioning in the U.T. Chandigarh. The membership of the society consist of Individuals growers and other agriculture Cooperative Societies. At present the membership as under:-1. 88 Primary Cooperative Societies.2. 879 Individual Member.
The society has declares as approved source by Chandigarh Administration for supply of items to its some departments vide letter No. 685-F & PO(5)/7173 Dated 09.06.1995 and letter No. 5758 –F & PO (5)-96/14360 Dated 04.12.1996. At present, the society is supplying some food/dietary and other items to the following Govt. Deptt.
1. Modern Jail, U.T. Chandigarh2. Hospitality Deptt. State Guest House, U.T. Chndigarh3. Panchyat Bhawan, Sec18, U.T. Chandigarh4. Dr. Ambedakar Institute and Hostel Management, Sec 42 Chandigarh
(At present, the supply has been discontinue by Institute)
The Society is an approved agent of Sohna Vanaspati of Markfed and other Markfed products. The Society is also working as commission agent and has handled agricultural product.The position of the society on main head as on 31.03.2011 as under:-
1. Share Capital of Member 0.66 lacs2. Share Capital of Societies 0.12 lacs3. Govt. Share Capital 11.31Lacs4. Reserve Fund 22.39 Lacs5. Accumulated Profit 05.51 Lacs
The society has its own office in SCF 103 and one godown No. 176, with the capacity of 50 M.T, at Grain Market, Sector 26, Chandigarh.
The U.T. Govt. has allotted two plots in Manimajra, Indira Cololy, U.T. Chandigarh. The society has already constructed building on plot No. 88 and Plot No. 33.
I am thankful for providing information regarding Study Tour and Co-operation extended by the staff members of the Manimajra Coop Mkt society.
The Patiala Central Co-operative Bank Ltd. Patiala
Accordingly, the undersigned has visited The Patiala Central Co-operative Bank Ltd. Patiala (Punjab) Sardar Gurbaj Singh Distt. Manager and Mr. Rakaesh Goel Senior Manager has attended us and given entire information about The Patiala Central Co- operative Bank Ltd. Patiala (Punjab)as per detail given as under:-
Brief History:-
The Co-operative finance in the erstwhile State of Punjab was made available by a State owned bank viz. the Patiala State Bank (Now State Bank of Patiala). With taking over the assets and liabilities of the then Patiala Punjab Cooperative Union, the Patiala Central Cooperative Bank Ltd. Patiala was registered on 28.09.1949 under the Cooperative Societies Act, 1912.
The Bank is presently serving in its 62 years
Constitution and Management:-
The Bank is managed by the Board of Directors (9 elected by the members Co-operative Societies and 3 Nominated by the Govt. being member of the Bank having contributed of Rs. 70.00 lacs as share capital)
Branches:-
Apart from its Head Office at Patiala, the Bank has a network of its 42 branches spread all over the district. 16 out of the 42 branches of the Bank, are working at the Focal Points- a scheme stated by the Govt. of Punjab in the year of 1978.
Business Turn Over:-
The business turn-over of the Bank for the year 2009-10 was Rs. 1076601.94 lacs.
Resources:-
The Bank raises its resources with the collection of 31.03.2009 31.03.2010 31.03.2011
1. Current Deposts2. Saving Bank Deposits3. Fixed Deposits4. Recurring Deposits
Advances:-
The Bank advances both in farm and non-farm sector. Total loans outstanding as on 31.03.2010 stood Rs. 81734.59 lacs and as on 31.03.2011 is Rs. 88418.47 lacs.
Farm Sector:-
Sr.No.
Name of the Scheme As on 31.03.200
9
As on 31.03.2010
As on 31.03.2011
1. Crop Loan 37329.01 43501.76 46553.482. Medium Term Agri. 6889.09 9608.83 11889.893. R.C.C. to Farmers 9975.33 10465.23 10616.074. Mini Diary 334.02 275.17 234.105. Two Wheelers to
1. Net profit to own funds 0.76 2.04 3.072. Interest Income to average working
funds6.88 7.07 7.00
3. Net profit to average working funds 0.05 0.14 0.204. Estt. Expenditure to total expenditure 16.47 16.28 15.705. Estt. Expenditure to total Income 16.35 15.96 15.316. Cost of Management to total
Expenditure20.48 20.00 22.68
7. Capital Adequacy Ratio 4.19 4.25 4.288. Agriculture advances to total
advances7.25 5.61 4.75
9. Agriculture advance to total advances
78.41 79.82 78.10
Per Branch and Per Employee Business:-
31.03.2009 31.03.2010 31.03.20111. Per Branch Business 2329.97 2658.18 2691.472. Per Employees Business 548.23 657.08 710.02
Grey Areas:-
1. Sardar Harinder Pal Chandumajra Managing Director Elected2. Sardar Ram Singh Jogipur Chairman3. Sardar Gurbaj Singh Distt. Manager4. Sh. Rakesh Goel Sen. Manager
1. Staff Shortage:-
The Bank has acute shortage of staff. This is affecting the business and customer service. Proper supervision is also lacking over the working of the branches. Regular retirements of staff are taking place reducing the available strength every-month. Last recruitment of clerical staff was made in the year 1980. Strength of clerical and subordinate staff has become too thin to carry on routine functioning. The staff is under tremendous stress and pressure. The first consequence of this is that the quality of the work suffers. Against 366 sanctioned posts, there are only 156 employees working in the bank. The position is illustrated as under:-
There is imbalances exist between the loan outstanding towards PACS and loan outstanding towards members amounting to Rs. 1681.63 lacs as on 31.03.2010.
Debt Waiver and Debt Relief 2008:-
Under the Debt Waiver Scheme, loan of 6523 Farmers amounting to Rs. 1605.83 lacs has been waived and under Debt
Relief O.T.S.Scheme 3671 and amounting of Rs. 468.21 lac would be granted to other farmers. Rs. 1609.34 lac received from Govt. of India.
Farmers Clubs:-
There are 25 Farmers Clubs working in this District adopted by this Bank out of which 17 Farmers Clubs are newly framed.
Self Help Groups:-
There are 1251 Self Help Groups formed in the District out of which 466 Groups are associated with this Bank. There are 244 Groups financed by the Bank, an amount of Rs. 99.29 lacs Loan outstanding against them as on 31.03.2011.
N.P.As :-
NPA of the Bank decreased from Rs. 4583.44 lacs to Rs. 4202.80 lacs on 31.03.2011. Out of the total NPA, a sum of Rs. 125.70 Lacs stsnds recovered on 31.03.2011.
The percentage of NPA to total advances was decreased form 5.61% to 4.75% during the year 2010-2011, which is highly appriciatable .
I am thankful to the Sardar Burbaj Singh Distt. Manager, Senior Manager and his staff of The Patiala Central Co-operative Bank Ltd. Patiala (Punjab) for the cooperation extended for providing the information regarding Patiala Central Co-operative Bank Ltd. Patiala and for providing Tea refreshment to the touring group.
The Patiala Primary Co-operative Agriculture Development Bank Ltd. Patiala (Punjab)
Accordingly, the undersigned has visited The Patiala Primary Co-operative Agriculture Development Bank Ltd. Patiala (Punjab) Mr. Baljinder Singh Manager has attended us and given entire information about The Patiala Agriculture Development Co- operative Bank Ltd. Patiala (Punjab)as per detail given as under:-
1. Registration Date of the Bank 06.06.19622. Registration Number of the
Bank838
3. Inspection Time 01.04.2010 to 31.03.2011
4. Maximum Credit Limit passed by the A.R.C.S Patiala vide letter No. 2315 dated 21.04.1999
Rs. 45.00 crores.
Audit of the Bank has been conducted up to 31.04.2011.
Recovery of Rabi 2010 %ageParticular Nadhind Current Total Present
LIABILITIESPaid up share capital of Rs. 100 each held by Inds.
27426500.00 27426500.00
Reverse Fund 4428162.89Bad & Doubtful Debts Fund 2771008.26Agriculture Credit stabilization fund
1668856.48
Common Good Fund 494911.43Cooperative Education Fund 154252.00Cooperative Development Fund 212104.90Building Fund 547756.29Risk Fund 53404.58NPA Provision 23255914.00 033576360
.83Depreciation Fund for furniture 456051.83 456051.83Loan form SADB for Schemetic loan
413092.00 413092.00
Loan form SADB for non-farm 14000.00 14000.00Loan form SADB for Rural house 30000.00 30000.00Suspense Over due Interest 31940210.00 319402
Insurance Payable 28065.00Unpaid Salaries 700.33.00 98098.00Profit for current year 14114645.06 14114645.0
6Grand Total 451947052.72 451947052
.72
AssetsCash in hand 27234.00C/A With PNB-1 128147.00C/A With PNB-2 455089.00C/A With CCB-1 4289.00C/A With CCB-2 317324.78C/A (Deposit Mobilization SADB 2000.00 934083.78Deposit A/c with SADB 42107258.00Share Invested with SADB 16121000.00Share Purchased PACL 2000.00 58230258.00Loan to member under nominal 3813941.72Loan to member under chematic 150503118.00Loan to member under NFS Loan 8890820.00Loan to member under Rural house/repair 149328516.00 312536395.72Interest Recoverable on loans 30549882.20Interest Overdue 31940210.00 62490092.20Cash insurance prepaid 36367.00Festival Loan 4400.00Recoverable form Pb. Govt. 100426.00Personal Loan 308500.00Recoverable Form SADB 675659.89
Share Transfer Fund 3341516.65 4466869.54Telephones 200.00Furniture And Fixture 737411.72Generator Set 39000.00Library 3399.16Building land 5915.00 785725.88Stationery in Stock 8291.00 8291.00Accumulated losses of previous years 12495136.60 12495136.60
Grand Total 451947052.72 451947052.72
Profit and Loss Account as on 31.03.2011 of PADB Patiala
INCOME ITEMS Total Grand TotalInterest Received/ Recoverable 43252124.94 43252124.9
4Penal interest Received 647920.00Income from NPA Provision 4244379.00 4892299.00Interest received on dep. With SADB
889285.00 889285.00
Share Capital with SADB 710449.00 710449.00Misc. Income 50742.00Loan Fee 107800.00 158542.00Commission on F.D. 12697.00 12697.00Leave salary Re-imbursement 38879.00 38879.00
Grand Total 49954275.94 49954275.94
There are 7 branches functioning in Distt. Patiala and Area of operation is of 238 villages. The Bank is enrolling A class members for the purpose of advancement of loan. The NABARD is providing credit facility through State Cooperative Agriculture Rural Development Bank. The Board of Directors consisting of 10 members
out of which 6 are elected and remaining nominated by state government. The bank is having 10 staff members out of which 1 manager, 1 Deputy Manager, 5 Clerks, 2 Daftri, 1 Peon.
I am thankful to the Manager and his staff of The Patiala Agriculture Co-operative Development Bank Ltd. Patiala (Punjab) for the cooperation extended for providing the information regarding Patiala Agriculture Co-operative Development Bank Ltd. Patiala.
The Rajinder Garh Cooperative Agriculture Multi Purpose Service Society Ltd. Rajinder
Garh Distt. Fatehgarh (Punjab)Accordingly, the undersigned has visited The Rajinder Garh Co-
operative Agriculture Multi-Purpose Service Society Ltd. Rajinder Garh, Distt. Fatehgarh (Punjab) Mr. Gurmit Singh Pradhan along with his secretary and his committee members and also the Assistant Registrar Co-operative Societies Fatehgarh Sahib have attended us and given entire information about The Rajinder Garh Co operative Agriculture Multi-Purpose Service Society Ltd. Rajinder Garh, Distt. Fatehgarh (Punjab) as per detail given as under:-
Total Loan disbursed for Ladies 43.00 LacLoan form CC Bank 213.00 lacsDividend to Members 003.71 lacsDividend disbursable 005.77 LacsPrevious Profit 028.86 LacsProfit up to 31.01.2012 022.68 LacsPlowing 016.19 lacsS.T. Loan Recovery 095.00 lacsN.P.A. 085.00 LacsM.T. Loan 097.00 LacsMy pago Policy 090.00 LacsDefaulter S.T. Loan 008.00 lacs
The Society is providing financial assistance to its members by availing loans from the D.C.C.Bank Rajindergarh and also getting deposits from the public.
Besides the owned business of Society, the society is also providing free facility to the local farmers by way of providing above said implements for their cultivation.
The society has provided refreshment to the touring group and for that I am thankful to the A.R.C.S , President and other committee members.
The Rajinder Garh C.A.M.P.S.S. Ltd. Distt. Fatehgarh Punjab
TRACTOR LOAN 14610.00 CASH IN HAND 470.00PROFIT MEBER PAYABLE 577117.60 MEMBER MB LOAN 240535.00ADVANCE HAINI KALAN 68240.00 MEMBER MT AGRI. 5
YRS.4925150.00
IFFCO 1297.00 MEMBER ST LOAN 20625904.50THE BARAS CASS LTD. 900.00 MEMBER STNA LOAN 712121.00THE BHAIN KALAAN ADVANC
138761.00 CMS SIRHAND SEC. 200.00
BDF CR 74319.00 FDNCCB STAFF 20000.00BAD AND DOUBTFUL FUND
825193.00 NEWCLUS POINT DIPU SEC.
200.00
BUILDING DEPRECATION FUND
113910.00 SEC. SUGAR 400.00
BUILDING FUND 392355.00 SEC. TELEPHONE 1050.00COMMON GOODS FUND 109611.00 CB SAVINGH A/C CHD 1000.00COMPUTER DEP. FUND 11500.00 MARKFED 6609.10EDUCATION FUND 1737.00 RISK FUND DEBIT 25098.00FURNITURE DEP. FUND 43329.00 CCB SAVING MAIN A/C 121493.00
FURNITURE FUND 610.00 CCB SAVING SPL. A/C 280.00GRETUTY FUND 658918.00 BDR DR 74319.00IFFCO SHARE FUND 2000.00 SHARE CMS SIRHIND 1000.00MACHINERY DEP. FUND 650409.00 SHARE CCB 503000.00REFIEF FUND 18053.00 SHARE CONSTOFED
CHD500.00
RESERVE FUND 770986.00 SHARE DCU PATIALA 200.00RISK FUND CREDIT 25098.00 SHARE DWS PATIALA 200.00SHARE TRANSFER FUND 36736.00 SHARE IFFCO 2000.00SEC. STAFF 20000.00 SHARE KRIFFCO 300000.00MEMBER SHARE MONEY 2099730.00 SHARE MARKFED 27500.00DEPOSIT NON MEM. 7044.00 SHARE SUGAR MILL
RAKHRA15000.00
CENTRE GOVT. RELIED FUND
12941.00 ADVANCE PAID GOVT. 9920.00
DEVELOPMENT FUND 3608 KHANDARI BEVRAZ A/C 1355400.00NET PROFIT 2268404.57 STOCK FERTILISER -173577.43
TOTAL 32593055.90
TOTAL 32593055.90
I am thankful to the Assistant Registrar Cooperative Societies, President and his staff of The Rajinder Garh C.A.M.P.S.S . Ltd. Distt. Fatehgarh ( Punjab) for the cooperation extended for providing the information regarding The Rajinder Garh C.A.M.P.S.S . Ltd. Distt. Fatehgarh ( Punjab)
BABA BUDA JI SELF HELP GROUP RAJINDER GARH, DISTT. FATEHGARH (PUNJAB)
Accordingly, the undersigned has visited the Baba Buda Ji Self Help Group Rajinder Garh Distt Fatehgarh (Punjab) Smt. Balwinder Kaur Anganwari Worker has attended us and given entire information about the Baba Buda Ji Self Help Group Rajinder Garh Distt Fatehgarh (Punjab) as per detail given as under:-Group formed By Anganwari Rajinder garh Group formed on dated 2008 Number of members 20 Saving each member per month Rs. 200/- First Time loan from Bank Rs. 50000/- Second Time loan from Bank Rs 150000/- Third Time loan from Bank Rs 500000/-(applied with CCBank)Interest charged inter loaning Rs. 2%
Purpose of Loan Diary, wooden work,& Daily needsSaving from members Rs. 200000/-Deposited in Bank Interest charged by the Bank 11% Date of Group Meeting 9 th every month Name of Pradhan Rajinder Kaur Name of Secretary Joginder Kaur Name of Cashier Narinder Kaur Documents submitted with Loan application Form:-
The required documents as per bank norms are being submitted by the said Group for availing loan facility from the bank. As per information provided by the Anganwari worker the members of the Group are happy to run their group for different kind of activities being done by them.
I thankful to Smt. Balwinder Kaur for the co-operation extended by her for providing us above said informarion.
Haryana State Co-operative Labour & Construction Federation Sector-2 Panchkula (LABOURFED)
Accordingly, the undersigned has visited the LABOURFED Punchkula (HARYANA) Mrs. Harjeet Suptd. has attended us and given entire information about the LABOURFED Punchkula (HARYANA) as per detail given as under:-
The Labour Cooperatives came into existence in the early sixties primarily for execution of earth work on construction of Dam and Canals. They were formed mostly by Labourers. With the passage of time quantum of earth work decreased and they started taking up skilled work also. The workers other than labourers such as Carpenters, technicians and educated youths also started joining in these Societies in securing and execution of skilled works.
In order to sort out the problems of the Labour Cooperative Societies, the Labour Cooperative Societies, the Punjab State Cooperative Labour & Construction Federation Ltd; came into existence. After bifurcation of the Punjab State, the Haryana State Cooperation Labour & Construction Federation Ltd; was registered at Ambala vide Registration No. 532 on 24.10.1996 under Punjab Cooperative Societies Act 1961 which was replaced by the Haryana Cooperative Societies Act;1984.
There are 4381 Societies registered upto the year 2006 which have been enhanced up to 4954 as on 28.02.2007.
A. ACTIVITIES:- 1. Promotional Activities
The District Cooperative Labour & Construction Federation promote and help in the registration of L&C Societies of Labourers and unemployed educated youths.
The total number of the Cooperative Labour & Construction Societies during the last six years is as under:-
SrNo
Particulars 2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12 from April to July
1. Total number of Societies in the State
4381 5013 5419 5798 6695 7309 7400
2. Procurement of Works:-The Federation get concession extended upto 31.03.2012 vide Gazette
Noticication No. 293-C-7-2007/7941 dated 29.03.2007. The main concessions of the Gazette Notification are as under:-
1. All unskilled and skilled works upto the value of Rupees 30 Lac are reserved for these societies only.
2. Earnest Money of Rupees 2000/- or 1% whichever is less for all skilled works.
3. Fortnightly payments for works exected.4. Exemption from licensing fee/enlistment fee.5. Exemption from depositing for performance security.6. Enlistment in only one Principal Department of the P.W.D.
District Federation by maintaining roster system help in procuring works for the Societies by betting implementation of Gazette Notification. The works executed by the societies is increasing year by year as a result the unemployed educated youths get employment. The works executed by L&C societies during the last six years is as under:-
SrNo
Particulars
2005-06
2006-07
2007-08
2008-09
2009-10 2010-11
2011-12 from April to July
1. Work executed by L&C Societies.
9610 Lacs
16985.61 Lacs
30747.96 Lacs
36912.96
56010.77Lacs
46434.37 Lacs
11901.23 Lacs
Due to the implementation of clause 13.8.5 Haryana P.W.D. Code the concession granted to the cooperative Labour & Construction Societies vide Haryana Govt. Gazette Notification dated 29.03.2007 has become ineffective to a great extent and due to this work is decreasing day by day.
3. Construction works under the supervision of the Federation:- The work of the Cooperative Institutions are allotted to the State Federation in the light of the circular issued by the R.C.S.Haryana. The Federation get executed these works under the supervision of its Technical Cell. The work s executed during the last five year are as under:-
SrNo
2006-07
2007-08
2008-09 2009-10 2010-11 2011-12 from April
to July1. 2.88
Lacs82.71 Lacs
272.13 Lacs
629.36 Lacs 486.16 Lacs
118.04 Lacs
4. Technical assistance to labour Societies:-
The State Federation has its own Technical Staff consisting of S.D.Os and J.Es. The primary L/C Societies can seek technical assistance through the District Federation for tendering, securing works and for implementation of Concessions and also seek intervention of State Federation in solving problems with work-awarding-agencies.
B.Financial Status:- 1. Contribution.
The main source of income of the Federation is contribution from the payments of the Primary Cooperative Labour & Construction Societies on
the work done which is charged @1.5% out of which 1.20% goes to the Haryana State Cooperative Labour & Construction Federation and 0.30% to the District Cooperative Labour & Construction Federation. The details of contribution received by the State Federation during the last six years is as under:-
Sr.No
Particulars 2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12 from
April to July
1. Contribution from
Societies
112.24 Lacs
203.04 Lacs
368.35 Lacs
443.39 Lacs
696.98 Lacs
483.76 Lacs
121.41 Lacs
Supervision Charges:-
The State Federation procures works from the Cooperative Institutions and on the request of interested primary Cooperative L/C Societies and then get these works executed. The Federation receives supervision charges on these works. The details of last six years are as under:-
Sr.No
Particulars 2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12 from
April to July
1. Supervision Charges.
11.78 Lacs
4.49 Lacs
4.57 Lacs
7.33 Lacs
25.93 Lacs
19.78 Lacs
4.80 Lacs
New Schemes/ innovative Ideas:-
1. Office Buildings for District Federation:-
The State Federation has its own Building in Sector-2 Panchkula.12 District Cooperative Labour & Construction Federation namely Ambala, Karnal, Kaithal, Jind, Hissar, Sirsa, Bhiwani, Rohtak, Panipat, Sonepat, Fatehbad and Yanumanagar have their own buildings.
The Jhajjar Distt. Cooperative Labour & Construction Federation Ltd, has purchased plot from marketing societies for construction of office building.
Efforts are being made for purchase of land from Cooperative Marketing Societies/ PACS for construction of offices of District Cooperative Labour & Construction Federation i.e. Gurgaon, Rewari, and Mohindergarh.
Training Programmes:-
The State Federation will initiate steps for imparting training to the members of Labour & Construction Societies at District levels by organizing training programmers to train them in filing of tenders, e- tenders and maintenance of books of accounts etc.
Action Plan For the Year 2011-12:-
Sr.No.
Particulars Target fixed for the Year.
Target achieved.
(From April to July,2011
1. Registration of New Societies
500 91
2. Work executed by L&C Societies
40000 Lacs 11904.23 Lacs
3. Works executed under Supervision of the
Federation
400.00 Lacs 118.04 Lacs
Financial Assistance:-The most important input required for execution of works is the
finance which is always a problem for these Societies to arrange. The Registrar Cooperative Societies Haryana has issued directions to the Central Cooperative Banks for making finances available to these societies on the scale mentioned below;-
A) Clean Cash Credit Limit equal to 10% of the amount of the work allotted/own funds of the society or Rupees 70000/- whichever is less.
B) In addition to above , sanction of accommodation up to Rupees 100000/- but not exceeding 70% against pending bodies may be granted/ provided such bills are not pending with the Government/Quasi Government.
C) To facilitate the working of Labour & Construction societies permission is accorded to permit the advancement of loan against tangible security against the work allotted/work in hand. It shall be the option foe society to opt for facilities mentioned at S.No. 1&2 or to avail loan against tangible security.
New Thrust Areas:-
To curb the tendency of violation of concession by work- awarding-agencies, Committees at district level to be constituted to review the progress of work. Release of payment to labour cooperative.
Adequate finances needed to be ensured on the pattern of Handloom societies. Labour Cooperative need to be exempted from the levy of sales Tax at two stages i.e. on at the time of purchase of materials and second at the time of payments.
To organize special training programme for providing knowledge about modern techniques and new inputs in construction work.
To motivate workers/Labourers to organize Societies related to service sector i.e. maintenances and housekeeping.
For getting job opportunities abroad in the prescribed trades, the skilled job seekers may contact N.L.C.F. New Delhi which has been registered at Labour export Agency.
I am thankful to Mrs Harjit Suptd. and her staff of LABOURFED ,PANCHKULA for the cooperation extended for providing the information regarding LABOURFED PANCHKULA.
The Dhourang Primary Agri.Cooperative Society Ltd.
Consulation with HARCO Training Centre Panchkulla
Accordingly, the undersigned has visited the Dhourang Primary Cooperative Society Ltd (HARYANA) Sh. Dara Singh President. has
attended us and given entire information about the The Dhourang Primary Agri. Cooperative Society Ltd. (HARYANA) the said society was registered on 12.012.1941 under Registration No. 239 having its area of operation 8 villages and consisting of seven members of Board of Directors. The Society is functioning its two sales Depots one at Dhamla and another is Kunjal . The Society is taking financial assistance from Central Cooperative bank Yamunanager under the different like CCL Fertilizer limit to the tune of Rs. 15 Lacs and crop loan M.C.L. Rs. 3.17 crore. The society is having 435 members and strength of staff members is 8. The manager of the society has been appointed from DCC Bank Yamunanagar. The Society is also taking deposit from the public @ 9% in fixed deposits and @4% in saving accounts. The society is the one of the society which is taking direct supply of fertilizer from the IFFCO and the society is earning profit every year.
Due to non availability of electricity, photo copy of the records could not be provides to us.
I am thankful to Sh. Dara Singh President and his staff of the Dhourang Primary Cooperative Society Ltd. Yamunanagar for the cooperation extended for providing the information regarding the Dhourang Primary Cooperative Society Ltd.
The Punchkula Urban Co-operative Bank Ltd. Panchkulla Haryana.
Accordingly, the undersigned has visited the Punchkula Urban Cooperative Bank Ltd. Panchkula (HARYANA) Sh. Rajeev Sharma CEO has attended us and given entire information about the Punchkula Urban Cooperative Bank Ltd. Panchkula (HARYANA) as per detail given as under:-
The Punchkula Urban Cooperative Bank Ltd. Panchkula (HARYANA) was Registered on 15.12.1980 vide Registration No. 88 under B.R. Act 1949 and said Bank has got license on 15.05.1982. The area of operation of the said Bank is Panchkulla District.
Detail of its deposit and loans are as under:-
Sr. No.
Name of Head Amount
1 Share Capital 41313442 Reserve Fund, other
Reserve and Provision57895406
3 Fixed Deposits 796334304 Saving Bank Deposits 1400462775 Current Deposits 51800216 Overdue Interest Reserve 497286277 Profit 8023628 Money at Call 64000009 Investments 74902450
10 Loans Short term/Medium 4688209811 Other Loan 4972862612 Suspense 3000013 Sundries Advance 81300
The audit for the year 2010-11 has been conducted by Sh. Anil Aggrawal Senior Auditor Urban Cooperative Bank Kurukshetra.
The Punchkula Urban Cooperative Bank Ltd. Panchkula (HARYANA) is being controlled and Administrated by Chief Executive Officer as there is no Board exists.
The Bank is providing different kind of loan facilities to its customers as given under:-
1. CCL Hypothecation
2. Building Loan3. Staff Housing Loan4. Machinery Loan5. Vehicle Loan6. Consumer Durable Loan7. Personal Loan8. Staff Advances9. Loan against Fixed Deposit10 Loan against NSC/KVP/LIC11 Vehicle Loan of Staff
As per information provided to the undersigned the recovery position of the said Bank is not up to the mark.
I am thankful to Sh. Rajeev Sharma C.E.O. and his staff of the Panchkula Urban Cooperative Bank Ltd. for the cooperation extended for providing the information regarding the Panchkula Urban Cooperative Bank Ltd.
INDEX
Date Time Institition/ Organisation Page No.
14.02.2012 11.00 a.m.
Haryana State Agriculture Rural Development Bank, Sector-2 Panchkula
