CHAPTER 2 (Manual – 1)
Particulars of Organization, Functions and Duties
2.1 Objective/Purpose of the Public Authority.
The Punjab State Cooperative Land Mortgage Bank Limited now The Punjab State Cooperative Agricultural Development Bank Limited, Chandigarh was established in the year 1958 with a view to provide the grant of long term loans to the owners of land or other immovable property, to enable them to discharge their debts, to carry out agricultural improvements, to acquire land for the formation of economic holdings and other like purposes and thereby to promote thrift and self help among them.
2.2 Mission/Vision Statement of the Public Authority.
The vision of the Punjab State Cooperative Agricultural Bank is to establish a new social order based on Cooperative Principles and Values. The PSCADB would be able to provide need based credit to farmers and others and to achieve the said goal only if the Bank is:-
To emerge as resource based, strong and vibrant financial institution capable of meeting the entire credit needs of the members. To help/improve the financial condition of the members by facilitation long term investment in agriculture and allied activities. To endeavour to provide credit to farmers for taking up ventures in Non Farm Sector. Conversion into full fledged Bank. In pursuance of the aforesaid targets the Bank shall have to introduce diversified activities & loan portfolios and to push up lending under new ventures: 2.4 Brief History of the Public Authority and Context of its Formation.
The Punjab State Cooperative Agricultural Development Bank was established during the year 1958 with the basic objective to eliminate exploitation of the farmers by money-lenders by providing them long term loans at cheaper rates of interest, repayable in easy instalments for the development of agriculture and allied activities including the improvement of land and the methods of cultivation. At the initial stage, the Bank started functioning through the Central Cooperative Banks by
2 appointing them as agents. The agency system continued upto the year 1962 and thereafter 14 PADBs (previously known as Primary Coop. Land Mortgage Banks) were affiliated to the State Bank for the purpose of advancing long-term loans.
The long term structure in the Punjab State, as such, is a Federal Structure with State Cooperative Agricultural Development Bank as an Apex Institution and member Primary Cooperative Agricultural Development Banks at the base level. At present the number of PADBs in the State is 89. This Bank was established in the year 1958 with a view to provide the grant of long term loans to the owners of land or other immovable property, to enable them to discharge their debts, to carry out agricultural improvements, to acquire land for the formation of economic holdings and other like purposes and thereby to promote thrift and self help among them.
2.4 Duties of the Public Authority.
It is the duty of this Bank to provide facilities of long term credits to its loanee members and further to ensure that the loan advanced is properly utilized and the assets are created. It is also the duty of the Bank to ensure the timely recovery of the loans advanced through persuasive methods and to maintain the office/loan records till its realization.
2.5 Main Activities and Functions of the Public Authority.
Since inception, the Bank has been financing various activities under the Farm Sector & its allied activities. Besides traditional and allied activities, the Bank also played a meaningful role in Green, White and Blue revolution in the State which is still continuing, the Bank has further diversified its lending portfolios. In the year 1993-94, the Bank also started financing Non Farm Sector activities provide self- employment avenues to the educated/skilled persons in the State. Main lending activities are as under:-
Purchase of tractors Purchase of agricultural implements Installation of tube-wells Harvester Combines Purchase of Threshers Dairy Development Poultry Development Inland Fisheries Horticulture Poplar Plantation Eucalyptus Plantation Laying of Under-ground pipelines Land leveling Mushroom Cultivation Bee keeping Sheep / Goat rearing Installation of Bio-gas plants and a large number of NFS activities
3
New ventures :-
Floriculture Sprinkler Irrigation Drip Irrigation Rabbit rearing Rearing of calves Scheme for cattle breeders Purchase of second hand tractors Community Halls Aonla Development Financing Two Wheelers Agri Clinics / Agri Business Jasmine Marigold cultivation Centres for agricultural graduates or graduates in allied subjects Rural Godowns Onion Godowns Replacement of defunct Financing Solar Photovaltaic Pumpsets Tubewells in dark blocks. for irrigation.
Rural Housing Educational loans for higher education Loans for financing educational Swarozgar Credit Card Scheme institutions Commercial Production units of Commercial Production units of organic inputs-Bio Fertilizers organic inputs-Vermiculture Commercial Production units of Commercial Production units of organic inputs-Hatcheries organic inputs-Fruit and Vegetable waste compost Strengthening of Agriculture Marketing infrastructure grading and standardisation
2.6 List of services being provided by the Public Authority with a brief write- up on them. Farm Sector and Allied Activities Initially, the Bank advanced loans only for Purchase of Land, Redemption of Land, Farm Mechanization, Land Levelling, Cattle Shed Construction etc. Thereafter, the Bank diversified its lending portfolios and advanced loans to activities allied to agriculture. The Bank has contributed in Green, white and blue revolution by providing loans for dairy, minor irrigation and inland fisheries.
Non-Farm Sector The Bank is playing a vital role in elimination of un-employment by providing loans for NFS activities to the educated unemployed farmers/members of PADB. In order to achieve this, the Bank switched over to Non-Farm Sector in the year 1993-94 and started financing ventures of self-employment in Manufacturing, Processing and Service Activities with the object of generating self-employment and business expansion / diversification.
RURAL HOUSING
We have also started loans for rural housing to the members of the PADB.
4 2.7 Organizational Structure Diagram at various levels namely State, Directorate, Region District, Block etc. (whichever is applicable).
5
2.8 Expectation of the public authority from the public for enhancing its effectiveness and efficiency.
The Bank expects from the public to come with complete and true information, so that their loans could be processed and payments released without any hindrances and loan be properly utilized and assets created. The Bank also expects from the public that they should re-pay their loan instalments in time without fail, so that the Bank may not have to resort to coercive methods to effect recovery.
They should vote in those persons who are well qualified and have interest in cooperative movement.
2.9 Arrangements and methods made for seeking public participation/contribution.
The Bank calls Annual General Meeting where all the schemes and their benefits are told to the members and their views and suggestions are also sought.
There is a provision to hold KISAN GOSHTIES, formation of Voluntary Vikas Vahini (VVV Clubs) & Farmer’s Meet where farmers are actively involved.
2.10 Mechanism available for monitoring the service delivery and public grievance resolution.
This Bank has formulated a fool-proof system under which every loan case advanced is checked up by different authorities to see that the loan stands utilized. Every Field Officer has to check the 100% utilization. In order to redress the grievances of the public, this Bank has a Vigilance Cell, which enquires/looks into the complaints and the guilty officials are taken to task and relief is provided to the complainants.
6 2.11 Addresses of the main office and other offices at different levels.(Please categorize the addresses district wise for facilitating the understanding by the user.
MAIN OFFICE
THE PUNJAB STATE COOPERATIVE AGRICULTURAL DEVELOPMENT BANK LTD. SCO NO.53-54, SECTOR 17B, BANK SQUARE, CHANDIGARH.
OTHER OFFICES
S
NAME OF THE PADB ADDRESS NO.
1 THE JALANDHAR PRIMARY COOP. AGRI. DEV. BANK LTD., 58/505, Opposite Jr. Model
Co-Ed. School, Nehru JALANDHAR
Garden Road, Jalandhar
Opposite Bank of Baroda, 2 THE PHILLOUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
G.T. Road, Goraya GORAYA
3 THE KARTARPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Mohalla Chandan Nagar,
Behind Kartapur Malwa KARTARPUR
Filling Station, G.T. Road.,
Kartapur
4 THE NAKODAR PRIMARY COOP. AGRI. DEV. BANK LTD., Near Onkar Cinema,
Nurmahal Road, Nakodar NAKODAR
5 THE NURMAHAL PRIMARY COOP. AGRI. DEV. BANK LTD., G.N. Plaza Market, Dana
Mandi Road, Near Bus NURMAHAL
Stand, Ludhiana Road
Nurmahal
Mohalla Azad Nagar, Near 6 THE SHAHKOT PRIMARY COOP. AGRI. DEV. BANK LTD.,
Police Station, Shahkot SHAHKOT
Near S.P. Office, Old Court 7 THE NAWANSHAHR PRIMARY COOP. AGRI. DEV. BANK
Road, Nawanshahr
LTD., NAWANSHAHR
8 THE BALACHAUR PRIMARY COOP. AGRI. DEV. BANK LTD., Bhadhi Road, Near
Bulewal Mode, Balachour
BALACHAUR Opposite Civil Hospital,
9 THE BANGA PRIMARY COOP. AGRI. DEV. BANK LTD., Banga BANGA
Shakari Bahwan C.B.
10 THE HOSHIARPUR PRIMARY COOP. AGRI. DEV. BANK Complex , Railway Road, LTD., HOSHIARPUR
Hoshiarpur
Near S.D.M Chowk, G.T. 11 THE DASUYA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Road, Dasuya DASUYA
12 THE GARHSHANKAR PRIMARY COOP. AGRI. DEV. BANK Opposite Grain Market,
Near Bus Stand, LTD., GARHSHANKAR
Garhshankar
7 Opposite Civil Rest House, 13 THE MUKERIAN PRIMARY COOP. AGRI. DEV. BANK LTD., G.T. Road, Mukerian
MUKERIAN Bains Market, G.T. Road,
14 THE MAHILPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Mahilpur MAHILPUR
Near Canara Bank, The Mall
15 THE KAPURTHALA PRIMARY COOP. AGRI. DEV. BANK Road, , Kapurthala LTD., KAPURTHALA
Bhogpur Adda, Bholath
16 THE BHOLATH PRIMARY COOP. AGRI. DEV. BANK LTD., BHOLATH
17 THE PHAGWARA PRIMARY COOP. AGRI. DEV. BANK LTD., G.T. Road, Phagwara PHAGWARA Moalla Mori, Near Guru Ka 18 THE SULTANPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Bag, Gurdwara, Sultanpur
SULTANPUR LODHI 19 THE GURDASPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Near Petrol Pump, Jail
Road, Gurdaspur
GURDASPUR 20 THE BATALA PRIMARY COOP. AGRI. DEV. BANK LTD., Near Bus Stand,
BATALA Jalandhar Road, Batala.
Near Tehsil Office, Behind 21 THE DERA BABA NANAK PRIMARY COOP. AGRI. DEV
OBC , Bank, Dera Baba BANK LTD., DERA BABA NANAK
Nanak
22 THE PATHANKOT PRIMARY COOP. AGRI. DEV. BANK LTD., Near Mala Hospital, Indra
PATHANKOT Colony, Pathankot
23 THE KAHNUWAN PRIMARY COOP. AGRI. DEV. BANK LTD. Main Bazar, Near Civil
KAHNUWAN Hospital Kahnuwan
Near Kheterpal Hospital, 24 THE AMRITSAR PRIMARY COOP. AGRI. DEV. BANK LTD.,
Circular Road, , Amritsar AMRITSAR
Fathegarh Churian Road, 25 THE AJNALA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Ajanla AJNALA
Near Bus Stand, Baba 26 THE BABA BAKALA PRIMARY COOP. AGRI. DEV. BANK
Bakala LTD., BABA BAKALA
27 THE BHIKHIWIND PRIMARY COOP. AGRI. DEV. BANK LTD., Near Baba Deep Sinjgh
Girls College, Harike Road, , BHIKHIWIND
Bhikhiwind
Near O/O Block Dev. 28 THE CHOLA SAHIB PRIMARY COOP. AGRI. DEV. BANK
Officer, Chohla Sahib LTD., CHOLA SAHIB
Near Vir Singh, M.L.A. Kothi 29 THE LOPOKE PRIMARY COOP. AGRI. DEV. BANK LTD.,
Lopoke. , LOPOKE
Near Cheema HosPItal,
30 THE PATTI PRIMARY COOP. AGRI. DEV. BANK LTD., PATTI Patti
31 THE TARN TARAN PRIMARY COOP. AGRI. DEV. BANK LTD. Near Harkishen Public
School, Jandiala Guru
, TARN TARAN Road, Taran Taran
Near Church,Saheed Udam
32 THE FEROZEPUR CANTT. PRIMARY COOP. AGRI. DEV. Singh,Chowk, The Mall
BANK LTD., FEROZEPUR Road, Ferozepur
Opposite New Grain
33 THE ABOHAR PRIMARY COOP. AGRI. DEV. BANK LTD., Market, Fazilka Road, ABOHAR
Abohar
8 Near Truck Union, Hanuman
34 THE FAZILKA PRIMARY COOP. AGRI. DEV. BANK LTD., Mandir, Abohar Road, FAZILKA
Fazilka
35 THE GURU HARSAHAI PRIMARY COOP. AGRI. DEV. BANK Chungi No. 5, Faridkot
Road, Guru Har Sahai
LTD., GURU HARSAHAI 36 THE JALALABAD PRIMARY COOP. AGRI. DEV. BANK LTD., Near Old Bus Stand, T.F.
Road, Nimwala Chowk,
JALALABAD WEST Jalalabad
Near Hari Singh Market,
37 THE ZIRA PRIMARY COOP. AGRI. DEV. BANK LTD., ZIRA New Talwandi Road, Zira
Near Govt. College,
38 THE MUKTSAR PRIMARY COOP. AGRI. DEV. BANK LTD., Opposite People Petrol MUKTSAR
Pump, Kotkapura Road,
Muktsar
Near CCB, , Muktsar Road,
39 THE GIDDERBAHA PRIMARY COOP. AGRI. DEV. BANK Gidderbaha LTD., GIDDERBAHA
40 THE LAMBI PRIMARY COOP. AGRI. DEV. BANK LTD., LAMBI Opposite Sadar Thana,
National Highway No. 10,
Lambi
Opposite Jaswant Cinema, 41 THE MALOUT PRIMARY COOP. AGRI. DEV. BANK LTD.,
Nagpal Nagri on National MALOUT
Highway No. 10, Malout
Near Children Park, Civil 42 THE BATHINDA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Lines, Bathinda BATHINDA
Pahooli Road, Nathana 43 THE NATHANA PRIMARY COOP. AGRI. DEV. BANK LTD.,
NATHANA
44 THE RAMPURA PHUL PRIMARY COOP. AGRI. DEV. BANK Near Railway Station, Bank
Square, Rampuraphul LTD., RAMPURA PHUL
45 THE TALWANDI SABO PRIMARY COOP. AGRI. DEV. BANK Bathinda Road, Talwandi
Sabo LTD., TALWANDI SABO
Gaushala Road, Raman 46 THE RAMAN PRIMARY COOP. AGRI. DEV. BANK LTD.,
RAMAN
Near Bansal Oil Petrol Pump, 47 THE MANSA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Rambagh Road, Mansa MANSA
48 THE BUDHLADA PRIMARY COOP. AGRI. DEV. BANK LTD., Railway Road, Gurudwara
Singh Sabha, Budhlada
BUDHLADA Shop No. 23, 1st Floor, Grain
49 THE SARDULGARH PRIMARY COOP. AGRI. DEV. BANK Market, Sardulgarh LTD., SARDULGARH
Kotkapura Road, Opposite
50 THE FARIDKOT PRIMARY COOP. AGRI. DEV. BANK LTD., Harindra Nagar FARIDKOT
Gate,Faridkot
51 THE GANGSAR JAITO PRIMARY COOP. AGRI. DEV. BANK Near Telephone Exchange,
, Main Road, Jaito
LTD., JAITO Near Bank of Punjab, HDFC
52 THE MOGA PRIMARY COOP. AGRI. DEV. BANK LTD., Ferozepur Road, Moga MOGA
53 THE BAGHAPURANA PRIMARY COOP. AGRI. DEV. BANK Near Thapar Petrol Pump,
Kotkapura Road, LTD., BAGHAPURANA
Baghapurana
9 Paramjit Singh Market,
54 THE NIHAL SINGH WALA PRIMARY COOP. AGRI. DEV. Barnala Road, Nihalsingh BANK LTD.,NIHALSINGHWALA
wala
55 The Dharamkot Primary Cooperative Agricultural Near Tehsil, , Dholewala
Development Bank Ltd., Dharamkot Road, Dharamkot
98, Chhoti Baradari, Patiala
56 THE PATIALA PRIMARY COOP. AGRI. DEV. BANK LTD., PATIALA
57 THE DERA BASSI PRIMARY COOP. AGRI. DEV. BANK LTD., B.D.O. Complex Building,
Chandigarh-Delhi Road,
DERA BASSI Near Bus Stand ,Dera Bassi
58 THE DUDAN SADHAN PRIMARY COOP. AGRI. DEV. BANK Chhanna Mara, Phewa
Road, Devigarh
LTD., DEVIGARH Ward No. 02, Ghanour 59 THE GHANOUR PRIMARY COOP. AGRI. DEV. BANK LTD., GHANOUR
Mohalla Basantpura, Old
60 THE NABHA PRIMARY COOP. AGRI. DEV. BANK LTD., Market Committee,Building, NABHA
Nabha
Mohinder Garg, Near 61 THE RAJPURA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Sadar Police Station, Court RAJPURA
Road , Rajpura
Behind Bus Stand, Chingra 62 THE PATRAN PRIMARY COOP. AGRI. DEV. BANK LTD.,
Road, Patran PATRAN
Near John Hospital, 63 THE SAMANA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Samana SAMANA
Railway Road, Sirhind 64 THE FATEHGARH SAHIB PRIMARY COOP. AGRI. DEV.
143406 BANK LTD.,SIRHIND
Amloh Khanna h Road, 65 THE AMLOH PRIMARY COOP. AGRI. DEV. BANK LTD.,
Near Post Office, Amloh AMLOH
66 THE BASSI-PATHANA PRIMARY COOP. AGRI. DEV. BANK Market Committee Building,
Bassi-Pathana LTD., BASSI-PATHANA
67 THE KHAMANO PRIMARY COOP. AGRI. DEV. BANK LTD., Near SDM Office, Anaj
Mandi, Khamano KHAMANO
Near Bus Stand, Opp. 68 THE SANGRUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
Dr. Dharmpal, Child Spl.
SANGRUR
Opposite P.S.E.B. Office,
69 THE BARNALA PRIMARY COOP. AGRI. DEV. BANK LTD., Dhanaula Road, Barnala
BARNALA 70 THE BHAWANIGARH PRIMARY COOP. AGRI. DEV. BANK Near Telephone Exchange,
Grain Market, Bhawanigarh
LTD., BHAWANIGARH
71 THE DHURI PRIMARY COOP. AGRI. DEV. BANK LTD., DHURI Near Tehsil Road, Dhuri.
Near Jakhal Railway Station
72 THE LEHRAGAGA PRIMARY COOP. AGRI. DEV. BANK Crossing, Chainpura Basti, LTD., LEHRAGAGA
Lehragaga
Opposite Markfed Office, 73 THE MALERKOTLA PRIMARY COOP. AGRI. DEV. BANK
Dhuri Road, Malerkotla LTD., MALERKOTLA
10 Near Railway Crossing, Bus
74 THE SUNAM PRIMARY COOP. AGRI. DEV. BANK LTD., Stand, Patiala Road, Sunam SUNAM
Near Telephone Exchange,
75 THE TAPPA PRIMARY COOP. AGRI. DEV. BANK LTD., Main Bazar, Tappa TAPPA
Near Dr. Gian Street, Katron
76 THE SHERPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Chowk, Sherpur SHERPUR
77 THE DIRBA PRIMARY COOP. AGRI. DEV. BANK LTD., DIRBA Gabri Road, Near New
Tehsil Cmplex, Dirba.
78 THE LUDHIANA PRIMARY COOP. AGRI. DEV. BANK LTD., 17, Sant Nagar, Civi LUDHIANA Lines,Opp; Govt College,
Boys, Ludhiana.
Near Grain Market, Doraha
79 THE DORAHA PRIMARY COOP. AGRI. DEV. BANK LTD.,
DORAHA 80 THE JAGRAON PRIMARY COOP. AGRI. DEV. BANK LTD., Near State Bank of Patiala,
Tehsil Road, Jagraon
JAGRAON Opposite Grain Market, 81 THE KHANNA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Near Libra Petrol Pump, G.T. KHANNA
Road, Khanna
Opposite, Grain Market, 82 THE MALOUD PRIMARY COOP. AGRI. DEV. BANK LTD.,
Payal Road, Malaudh MALOUD
Prem Nagar, Near Bus 83 THE MACHHIWARA PRIMARY COOP. AGRI.DEV.BANK
Stand, Machhiwara LTD., MACHHIWARA
Near Old Tehsil Complex, 84 THE RAIKOT PRIMARY COOP. AGRI. DEV. BANK LTD.,
Talwandi Gate, Raikot RAIKOT
Near New Bus Stand, 85 THE SAMRALA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Chandigarh- Ludhiana SAMRALA
Road, Samrala
86 THE CHANDIGARH PRIMARY COOP. AGRI. DEV. BANK 316 ,Giani Zail Singh
LTD., ROPAR Nagar, Near
Ambedkar Bhawan,
Ropar
87 THE ANANDPUR SAHIB PRIMARY COOP. AGRI. DEV. BANK Opposite Chann-di-Hatti,
Near SBI , Main Bazar, LTD., ANANDPUR SAHIB
Anandpur Sahib
Near Old Telephone 88 THE KHARAR PRIMARY COOP. AGRI. DEV. BANK LTD.,
Exchange, Landran Road, KHARAR
Kharar
Near P.N. Bank, Ludhiana-
89 THE MORINDA PRIMARY COOP. AGRI. DEV. BANK LTD., Chandigarh Road, Morinda MORINDA
2.12 Morning hours of the office: 10 A.M.
Closing hours of the office: 5 P.M.
Saturday 10AM to 1.30 PM.