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General brief note about Study Tour

In compliance to Honble Director, RICM Chandigarh letter No. 14 th HDCM/ 2011-12/5652-5597 Dated 20.12.2011 the undersigned visited the following organizations as per schedule given under the control and guidance of Smt. Devender Ahuja, faculty member. 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


Year 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 Profit / Loss (-) 48.15 (-) 33.35 (+) 27.65 (+) 13.07 (+) 04.98 (+) 07.03 (Rs. In crores) Accumulated Losses 51.07 84.42 56.77 43.70 38.72 31.69

Refinance Position
The position of refinance from NABARD is given below:(Rs. In crores) Year Refinance Refinance availed allocated 2007-08 229.06 229.06 2008-09 340.00 348.81 2009-10 355.00 358.78 2010-11 400.00 400.00 2011-12 400.00 104.32 (upto 21.07.2011)

42.97 (upto 2107.2010)

Recovery Position
The recovery position at Apex as well as DPCARDBs levels is given as under:-

Apex Level

(Rs. In Lacs)

Period Annual 2006 Rabi 2007 (1.1.07 to 30.06.2007) Annual 2007 (1.1.07 to 30.06.07) Rabi 2008 (1.1.08 to 30.06.08) Annual 2008 (1.7.07 to 30.6.08) Rabi 2009 Annual 2009 Kharif 2009 Annual 2010

Demand 62408.24 47695.15 66801.12 26428.02

Collection 43491.25 45531.05 64637.02 14650.19

% of recovery 69.69% 95.46% 96.76% 55.43%

46811.97 32528.77 55910.48 44398.37 66674.76

35034.18 11906.21 35287.93 18563.21 30967.77

74.84% 36.60% 63.12% 41.84% 46.45%

At Primary Level
Period
Rabi 2007 (1.1.07 to 30.06.2007) Annual 2007 (1.1.07 to 30.06.07) Rabi 2008 (1.1.08 to 30.06.08) Annual 2008 (1.7.07 to 30.6.08) Rabi 2009 1.1.2009 to 30.06.09 Kharif 2008 Annual 2009 Kharif 2019 Rabi 2010 Annual 2010

Demand
113690.65 136272.34 89632.52

Collection
71762.57 94044.26 21726.92

% of recovery
62.86% 69.01% 24.24%

107696.24 97988 .12 88140.95 112076.05 112777.03 119349.54 138120.00

39783.16 10935.94 14088.03 25023.84 18831.01 18615.01 37410.00

36.94% 11.16% 15.98% 22.33% 16.70% 15.60% 27.08%

Kharif 2010 Rabi 2011

124588.96 127672.11

29232.21 21587.18

Annual 2011

156904.32

50819.39

23.46% 16.91% (as on 30.6.10 (Tentative) 15.62%as on 6.10 32.39 Tentative

Schemes of Loans being pursued:1. Minor Irrigation a b c d A B C D E f A B C D E f Shallow/Deep Tubewells Sprinkler Irrigation Water Conveyance System Rainwater Harvesting Tank for SC/ST Tractors Thresher Sets/Straw- reaper Combine Harvesters Modern Farm Equipments 2/4-Wheel Trolleys Rural Godowns Mango/Pear/Guava/Grape Orchards Polar/kikar/Safeda Palant/Farm forestry Mushroom Cultivation/ Strawberry Floriculture, Medicinal & aromatic
plants Drip Irrigation Cold Storage / Onion Storage

2.

Farm Mechanization

3.

Horticulture/ Plantation

4.

Land Development

5.

Animal Development

A B C D E f A B C D E F g A B C D E F

6.

Non-Farm Sector

Land Reclamation Land Leveling Redemption of Land Purchase of Land Water land Development Agri. Organic Inputs Diary Development Poultry Development/ Hatcheries Fisheries including Prawn Culture Sheep/ Piggery/ Goat Rearing Animal Driven Carts Cattle Sheds with Diary Capital Venture Fund Scheme of Diary and Poultry Processing Tinny, Cottage and small Scale Industris Road Transport/Passenger Vehicles Integrated Loan Scheme KVIC Margin Money Scheme Rural Housing Schemes

Agriculture-Clinic and Agriculture Business Community 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:Year 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12
(up to 30.6.11)

Target 500.00 crore 500.00 crore 400.00 crore 440.00 crore 484.00 crore 500.00 crore 525.00 crore

Amount 302.68 crore 189.04 crore 252.57 crore 330.94 crore 374.78 crore 407.55 crore 54.05 crore

Loan Outstanding
At HSCARDB level 2006-07 2007-08 2008-09 2009-10 2010-11 At DPCARDB level 2006-07 2007-08 2008-09 2009-10 2010-11 Rs in Crore 1922.53 1707.43 1743.67 1918.20 2128.47 Rs in Crore 1882.05 1626.54 1731.79 1916.88 2035.56

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 crore Toral claims lo0dged under other farmer Rs. 20.55 crore Amount received from GOI/NABARD Rs. 216.53 crore Balance 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 recovery


In 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. 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. CEOs were advised to take action against defaulters 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

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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 Cooperation extended by the staff members of the Branch.
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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 a b c d A B C D E f A B C D E f Shallow/Deep Tubewells Sprinkler Irrigation Water Conveyance System Rainwater Harvesting Tank for SC/ST Tractors Thresher Sets/Straw- reaper Combine Harvesters Modern Farm Equipments 2/4-Wheel Trolleys Rural Godowns Mango/Pear/Guava/Grape Orchards Polar/kikar/Safeda Palant/Farm forestry Mushroom Cultivation/ Strawberry Floriculture, Medicinal & aromatic
plants Drip Irrigation Cold Storage / Onion Storage

2.

Farm Mechanization

3.

Horticulture/ Plantation

4.

Land Development

Land Reclamation

5.

Animal Development

B C D E f A B C D E F g A B C D E F G

6.

Non-Farm Sector

Land Leveling Redemption of Land Purchase of Land Water land Development Agri. Organic Inputs Diary Development Poultry Development/ Hatcheries Fisheries including Prawn Culture Sheep/ Piggery/ Goat Rearing Animal Driven Carts Cattle Sheds with Diary Capital Venture Fund Scheme of Diary and Poultry Processing Tinny, Cottage and small Scale Industris Road Transport/Passenger Vehicles Integrated Loan Scheme KVIC Margin Money Scheme Rural Housing Schemes Agriculture-Clinic and Agriculture Business Community Halls, Rural Education Infrastructure, information Technology, Service Activities etc.

I am thankful for providing information regarding Study Tour and Cooperation 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 Fianc. 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. 2. 3. 4. Installation of Distillery Plant in Shahabad Sugar Mills. Expansion, Modernization & Co-generation in Karnal Sugar Mills. Expanionm Modernization & Co-generation in Panipat sugar Mills. 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 Cooperation 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. 2. Functional Societies:- Total 1038 societies having membership of about 51995 Milk Producers and functioning at present. 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. 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. 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. Fooder Seed Supply:- Availability of green fodder which plays an important role in Milk Production has been paid due attention.

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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. 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. 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. 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. 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. 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.

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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. 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. 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. 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.

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Visit to HARCO Bank Training Centre Sector2 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. 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. Management:A standing Committee consisting of following is managing the affairs of the college:1. 2. 3. 4. Managing Director The Chief General Manager (Regd. Office) Representative NABARD Principal STC Panchkula Chairman Member Nodal Officer Member Secretary

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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. 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. 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:Sr. No. 1. 2. 3. 4. Education Qualifications Sh. N.S. Gill. DGM/Principal Graduate, HDCM Sh. Ashok Verma, B.Sc., PGDCA, CAIIB Manager/R.A./F.M. Sh. Tara Chand, B.A., B.Ed. HDCM Manager/F.M. Sh. Naresh Kumar, M.A., B.Ed.& HDCM Manager/F.M. Name & Designation

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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.

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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.

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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 .
1 A 1 2 3 4 5 6

Sector Wise/ Target Achievement Achievement Activity Wise As per Division During the Up to date for 5 of Target for 5 month Years Years
Agriculture PACS Godown-cumoffice (100MT) Major Minor Boundary Walls/ Fencing Furniture & Fixture/Security Equipment Deposit Counters 34 8 31 51 24 10 143.25 9.14 18.60 59.25 3.53 2.00 ------------32 7 29 47 24 10 134.25 8.17 17.40 53.25 3.53 2.00

7 8

A 1. 2. B.1 1 II 1 III

IV 1 i) ii) iii) V A B i) ii)

iii) iv) v)

Safe Margin Money Sub Total (PACS) Marketing Societies Sugarcane Coop. Mktg. Socs. Godown (150MT) Margin Money Sub Total Jagadhri Coop Mkt. Society Margin Money Sub Total Primary Agri. Land Dev. Banks Share Capital Sub Total Cooperative in New Areas L&C societies Margin Money Sub Total Allied Sector Milk Coops Milk testers Milk Canns Margin Money Sub Total Banking Sector YCCB (DCCB) Share Capital Coop. Bank (DCCB) Banking Sector (other) Safe for Bank Branches Currency Counting Machines for Branches FRRC for Branches Cash Counter for Bank Branches Water Cooler for Branches

20 --

8.00 235.00 478.77

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-3.00 3.00

20 ---

8.00 182.00 408.60

2 -----

11.25 6.00 17.25 12.00 12.00

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2 -----

11.25 6.00 17.25 12.00 12.00

---

32.00 32.00

---

---

---

32.00 32.00

--6 80 ----

25.00 25.00 1.77 1.55 4.00 7.32 20.00

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--------

--6 80 ---

25.00 25.00 1.77 1.55 4.00 7.32 20.00

15 30

13.25 26.05

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---

15 30

13.25 26.05

35 15 15

19.86 13.55 5.25

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35 15 15

19.86 13.55 5.25

vi) vii)

1 2 3 4

Furniture for Branches Def. safe with 56 locker Sub Total Manpower Dev. & Training PIT Cost Training Incentives Project Report Sub Total Grand Total (Project) Receipt (Other) PIT Cost

30 6 -------

13.20 14.45 125.61 12.77 17.31 10.00 0.68 151.71 849.71 15.00

---------

--------3.00 1.61

30 6 -------

13.20 14.45 125.61 123.00 11.53 -0.68 135.98 763.76 12.99

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Iam thankful to General Manager and his staff of I.C.D.P Yanumnagr for the cooperation extended for providing the information regarding I.C.D.P.

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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:Sr.N o. 1. 2. 3. 4. 5. 6. Name of Members Sh. Randeep Singh Sh. Jagbir Singh Sh. Suresh Pal Sh. Raj Kumar Smt. Saroj Sh. Balbir Singh

Membership:The detail of Membership is given as under:Sr. No. Particulars As on 31.03.2009 Admited Expelled As on 31.02.2010

1. 2. 3. 4.

Individual Societies Governmen t Nominal

3132 219 01 10

321 06 ---

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3453 225 01 10

Shrare Capital Rs. 4125872.50 Detail of paid share capital is given in balance sheet. The Detail of share capital increased and decreased given below:Sr.N o. 1. 2. 3. 4. 5. Particular Individual Govt. Societies Nominal ICDP Total 31.03.200 Debit 9 164725.00 2258000.0 0 9247875.0 0 2722.50 450000.00 3800322. 50 -157000.00 --150000.00 307000.0 0 Credit As on 31.03.201 0 31950.00 196675.00 -- 2101000.0 0 600.00 925475.00 2722.50 900000.00 4125872. 50

-600000.00 632550.0 0

Balance Sheet as on 31.03.2011 of the Jagadhari Coop. Mkt. cum Processing Society Ltd. Jagadhari New Grain Market.
LIABILITIES SIDE
Share Capital SHARE CAPITAL GOVT. SHARE CAPITAL ICDP SHARE CAPITAL IND SHARE CAPITAL SOCS SHARE CAPITAL SUP. RESERVE FUND RESERVE FUND & OTHER PROVISION RESERVE DEPRECIATION RESERVE OTHER PAYABLE AGRI. PRODUCTS DIVIDENDS PAYABLES HAFED A/C SECURITIES WITH US SONDRY CREDITORS TDS TRADE CREDITORS VAT PROFIT UNDISTRIBUTED PROFIT PROFIT THE YEAR OPENING STOCK FERTILISER WEEDICIDES HAFED PRODUCTS PURCHASE A/C FERTILISER STOCK AS AHRAT WHEAT AS AGENT PADDY AS AGENT WEEDICIDES CATTLEFED HAFED PRODUCTD WHEET SEEDS WOOD FOR KRATES TRADING EXPENSES 9186201.85 87600.00 2915874.54 27178.50 270661.50 955595.62 104277.07 43067.00 28260.00 209163.00 217813.28 8643479.35 1859947.95 209734.00 1160821.00 79306.00 206171702.00 11617157.00 1072648337.00 807932556.00 4824253.00 1431853.00 737507.00 1194600.00 10089952.00 12189676.39 2101000.00 750000.00 197675.00 925575.00 2722.50

ASSETS SIDE
CASH AND BANK CASH IN HAND BANK ACCOUNT FDR WITH BANKS INVESTMENT SHARES OF OTHER INST SECURITIES WITH DPT. OTHER RECOVERABLE TRADE DRS. TDS RECOVERABLE FERT. DEPOSITS SUNDRY DEBITORS MKG EXP. A/C FIXED ASSETS PROPERTIES CURRENT ASSETS HAFED PRODUCTS FERTILIERS WOOD FOR CRATES SALES A/C FERTILISERS STOCK AS AHRAT WHEAT AS AGENT PADDY AS AGENT WEEDICIDES WOODENCRATES CATTLEFEED HAFED PRODUCTS WHEAT SEED TRADING INCOME A/C WHEAT SERVICE CHG. PADDY SER. CHARGE AHRAT INCOME MISC.INCOME CLOSING STOCK HAFED PRODUCTS FERTILISERS 38537.00 1600567.96 10010000.00 6114600.00 81300.00 6195900.00

11649104.96

3976972.50

660.55 997624.39 1507023.59 6869.00 755128.00 4285114.67 366786.00 131288.00 2630593.00 206967704.00 11617157.00 1072648337.00 807932556.00 4950045.00 9098780.00 1468964.00 476269.00 1290000.00 948836.00 1972827.00 290430.00 2632.00 366786.00 131288.00

3267305.83 4285114.67

1856015.97

3128667.00

1449861.00

2116419812.00

3214725.00

2116647917.00

BANK CHARGES MEMBERSHIP COMM. WEEDICDE EXPEN MISC. EXP. HAFED PROD. EXP CATTLEFED EXP WOODENCREAT EXP INSTT.ON FERT. GODWON RENT LABOUR ON FERT. GROSS PROFIT

38211.45 113708.00 80.00 3750.00 760.00 2230.00 1525.00 917620.00 59562.60 48800.00 52039.00

WOOD FOR CRATES

2630593.00

3128667.00

1238286.05

GRAND TOTAL

2122763204.00

2122763204.00

2122763204.0

2122763204.0

I am thankful for providing information regarding Study Tour and Cooperation 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 CoLtd. 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:operative Supply and Marketing Fede ration

Mission:To play a leading role in serving the interest of the farmers of Haryana.

Infrastructure:Storage Capacity (Godowns) Storage Capacity (open plinths) Rice Mills Animal Feed Plants (Rohtak& Saktakhera) Pesticides Plant Mustard Oil Plants (Rewari & Narnual) Barley Malt Plant Sugar Mill Turmeric Plant Seed Processing Plant 10.50 Lac MT 14.81 Lac MT 13 2 1 (Taraori) 2 1 (Jatusana) 1 (Assandh) 1 (Raduar) 1(Ganaur)

Major Activities:1. 2. 3. 4. 5. 6. Provision of Agriculture Inputs. Procurement & Purchase Operations. Warehousing. Marketing of Agriculture Produce including Exports. Agro Processing Activities. New Intervention to Promote Farmers Income.

Board of Administrators:Sh. Krishan Mohan, I.A.S Sh. R.P. Gupta I.A.S. Sh. Anil Malik, I.A.S. Sh. Ashok Kaka Sh. Jagjit Singh Sangwan Capt. Chattar Singh Sh. Yash Pal I.E.S Finance Commissioner & Principal Secretary, Cooperation Deptt. Registrar Cooperative Societies. Managing Director Hafed Administrator Hafed Administrator Hafed Administrator Hafed Special Secretary Planing & Director ERAMU

Administrative Setup:Sh. Anil Malik IAS Mrs. Pankaj Chaudhary, HCS Sh. D.P. Rattan Sh. R.P. Dangi Sh. S.K. Gupta Sh. Joginder Singh Sh. A.K. Singh Sh.Karnail Singh Sh.Krishan Kumar Yadav Managing Director Secretary Chief General Manager (Procurement & warehousing) Superintending Engineer General Manager ( Finance & Accounts) General Manager (Plants) Addl. General Manager (Rice) Addl. General Manager (Systems) District Attorney

Registered Office:-

Haryana State Cooperative Supply And Marketing Federation Ltd; Karnal Registration No. 656 (Under Punjab Cooperative Societies Act, 1961) Corporate Office Sector-5, Panchkula. Finance:a) Share Capital: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). Yeawise position of Reserve and Surplus of the last five years is as under:Year Ending Amount (Rs. In Crores) 31.03.2006 380.12 31.03.2007 385.52 31.03.2008 397.50 31.03.2009 579.38 31.03.2010 630.82

Turnover and Profits:The turnover and the profit during the last 5 years is as under:Financial Year 2005.06 2006.07 2007.08 2008.09 2009.10 Amount (Rs. In Crores) Turnover 3095.09 2838.34 2627.57 3092.29 4253.55 Net Profit 58.36 75.71 58.68 33.78 43.45

Investments: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 31.03.2006 31.03.2007 Amount (Rs. In Crores) 116.60 116.60

31.03.2008 31.03.2009 31.03.2010

116.60 116.60 117.61

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:Total Share Quantity % of share Procuremen allocated to Procured by actually t in the Hafed (%) Hafed (Lac State (Lac MTs) procured MTs) 2005-2006 45.29 33 16.75 37 2006-2007 22.29 35 8.41 38 2007-2008 33.46 35 12.90 39 2008-2009 52.30 35 19.31 37 2009-2010 69.11 35 24.74 36 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:(Qty.in MTs) Year 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 Total Procurement in State 4891 -122718 310478 76996 Quantity Procured by Hafed 690 -67372 108719 45992 % age Procured 14 -55 35 60 Year

c) PROCUREMENT / PURCHASE OF MISTARD SEED:-

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:(Qty.in MTs) Year 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 In own a/c --3928 1881 11600 Under Support Price 306450 461217 ---Total 306450 461217 3928 1881 11600

d) PURCHASE OF SUNFLOWER SEED: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:(Qty. in Lac MTs) (Rs. In Crores) Year 2005-2006 2006-2007 2007-2008 2008-2009 Purchase of Paddy 10.10 09.04 07.20 07.68 Turnover 759.53 718.05 620.95 798.15

2009-2010 10.40 1010.46 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) Mutchal Sharbati 6147 -2158 7429 9842 974 -2399 1867 1225

Year 20052006 20062007 20072008 20082009 20092010 4. A

Basma ti 1004 100 4535 5026 1822

Total 8125 100 9092 14322 12889

Amount 08.00 20.00 18.50 29.50 26.00

INPUTS: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 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 B) Sale of Fertiliser 4.26 5.09 6.68 5.89 6.30 Turnover 262.98 316.48 476.13 460.15 463.05

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. 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:5.

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 cogeneration 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 Sr.N o. 1. 2. 3. Name of Fund Bad and Doubtful Debt Fund Price Fluctuation Fund Coop. Education Fund Basis of allocation (Amount In Rs,) 2009-2010 43455147.00 43455147.00 700000.00

4. 5. 6.

Dividend Income Tax Reverse Fund Total

10% of net profit as per section 87(1) (a) of Haryana coop. Societies Act, 1984 10% on net profit as per rule 13(ii) of Hafed Bye-Laws. 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. 8/3/2002E&T(II)13761-792 Dated 22.10.2002 10% on paid up share capital as per rule 43(iv)(a) of Hafed Bye-laws. Income Tax paid for year 1994-95 & 1999-2000 At least 10% as per rule 43(i) and 43(iv) of Hafed Bye-laws.

12891700.00 203604817.0 0 130444661.8 9 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 Cooperative 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. 2. implements Cooperative Education programme formulated by NCUI and RCS, Punjab from time to time. Gives publicity to the a achievement, policies and programme of Cooperatives through the production and publication of Audiovisual 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. Publishes a forthnightly magazine Punjab Cooperation to enlighted and inform the people about cooperative movement. Convenes and conducts the state cooperation congress, seminars, meetings, functions and arranges exhibitions on cooperation. Organises, conducts, collaborates and assists in carrying out research and assists in carrying out research and investigation of projects on important cooperative problems. Acts as information Bureau of Cooperative movement in the state. Runs an offset Printing Press to cater to the printing needs of Coopererative. Undertake sale of Stationery items, Registers, Act. Rules and ByeLaws etc. required for running the business of the Cooperative. 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. 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. Enlightens of Members, Managing committee members of societies and other employees of Primary Cooperative Societies about their duties and responsibilities.

3. 4. 5. 6. 7. 8. 9. 10.

11.

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:_ Life Membership One year Membership Business Cooperative Advertising Agency:2007-08 3298 200 1552303.00

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. Business Commission Earned 2005-06 16463018.00 1901938.00 2006-07 13633589.00 1242809.00 2007-08 17694154.00 998000.00

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:Business STOCK SECTION:PUNCOFED has established stock section for supply of Books. Registers. Act, Rules, Bye-Laws and forms etc, to the cooperative. PUBLICITY SERVICES:PUNCOFED is undertaking the publicity programme of the cooperative Movement with the available resources through various media such as:Peiodicals (i) Punjab Cooperative (Fortnighty0 (ii) Punjab Cooperative- A Profile (Annual Booklet) (iii) Figures Speak (Annual Report on statistical data) (iv) Compandium of circulars (Annual Booklet containing circulars issued by Registrar coop. Societies Punjab) (b) Pamphlets & Folders:PUNCOFED, printed & distributed free of cost pamphlets and folders of nine types during the year 2007-08 numbering 99500. Education Funds:(a) 2005-06 7533540.00 2006-07 6994639.62 2007-08 7561160.27

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 Maximum of Rs. 3000.00 CCB, Sugar Mills, Spining Mills 2% of the net Profit of the & Milk Unions Maximum of Rs. 1.50 lacs. Other Central Cooperative 2% of the net Profit of the Socieites including PADBs , Maximum of Rs. 0.50 lacs. Marketing socs. & Urban Banks Apex Cooperative Institutions 2% of the net Profit of the Maximum of Rs. 3.50 Lacs. The Education fund collected by PUNCOFED during the years is as under:2005-06 9637619.00 Progress at a Glance:EDUCATIONAL ACTIVITIES Sr.N ITEM o. 1 Committee Members Trained 2 Members Trained 3 School Lectures Given 2007-08 9208 18239 165 2008-09 4722 10455 81 2009-10 4529 14003 178 2006-07 6943631.00 year subject to year subject to year subject to year subject to last three

2007-08 8481000.00

COOPERATIVE AWARENESS WORKNESS:Block level Camps CASS Block level Milk Producers camp Block Level women awarness camp No 215 88 93 Att. 1312 9 4545 4233 No 226 52 59 Att. 3451 9 3569 3714 No. 199 31 66 Att. 8825 858 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 Cooperative 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.N o. 1 2 3 Designation Chariman Elected Member Govt. Nominee 1 6 3 (Inspector Agri., ARCS and B.D,O,

Staff Position:1 2 3 Manager Accountant Peon 1 Coop. Inspector on Deputation 1 Regular 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. 3. 4. 5. 6. 7. 8. 9. 10.

To supply seed, manure, agriculture implements and other requirements of the members. To arrange grading and processing of agriculture produce primarily of its member and purchase of hire and install suitable machinery of this purpose. To hire or own godown and cold storages and to establish and undertake running of warehouses for the storage of produce. To act as agent of the Government for the procurement of agriculture produce. To act as agent of the member credit societies for the recovery of loans given by them to their member, To grant advances to members on the security of their produce. To undertake measures to spread knowledge of cooperative principles and practices. 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. 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. 2. 3. 4. Modern Jail, U.T. Chandigarh Hospitality Deptt. State Guest House, U.T. Chndigarh Panchyat Bhawan, Sec18, U.T. Chandigarh 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 2. Share Capital of Societies 3. Govt. Share Capital 0.66 lacs 0.12 lacs 11.31Lacs

4. Reserve Fund 5. Accumulated Profit

22.39 Lacs 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 Cooperation 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 Cooperative 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 1. Share Capital 1152.97 1374.26 2. Owned Funds 5277.36 6141.60 3. Deposits 31061.08 35196.58 4 Borrowings 45841.59 53582.42 31.03.2011 1520.15 6472.34 38818.10 57042.65

Deposits:There are various schemes of deposits namely 1. 2. 3. 4. Current Deposts Saving Bank Deposits Fixed Deposits 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.N o. 1. 2. 3. 4. 5. Name of the Scheme Crop Loan Medium Term Agri. R.C.C. to Farmers Mini Diary Two Wheelers farmers As on 31.03.200 9 37329.01 6889.09 9975.33 334.02 745.71 As on 31.03.2010 43501.76 9608.83 10465.23 275.17 709.56 As on 31.03.2011 46553.48 11889.89 10616.07 234.10 670.68

to

TOTAL

55273.16

64560.55

69964.22

Non Farm Sector:1. 2. 3. 4. 5. 6. 7. 8. 9.


10 N.F.S./Mai Bhago Consumer Loan Personal Loan Rural House Loan Urban House Loan C.C. Traders Vehicle Loan Education Loan S.H.G./S.G.S.Y. Other Misc. Loans 2164.33 1776.28 1559.19 2110.89 1191.93 2132.43 562.40 35.56 59.42 4589.15 1170.15 2147.52 1765.61 2323.77 1269.44 1931.09 838.86 54.49 93.63 5579.48 1073.23 2160.85 1909.66 2188.34 1336.05 1886.98 1071.36 58.76 99.29 6669.73

Recoveries:Recovery Position of different types of loans for the year 2010-2011 has been as under:1. 3. 5. 7. Crop Loan Two wheelers Vehicle Loan N.F.S. Loan 95.81 % 77.75 % 79.82 % 43.66 % 2. 4. 6. 8. Rural House Loan Personal Loan Consumer Loan S.H.G./S.G.S.Y. 82.07 % 75.17 % 55.89 % 66.70 %

Financial Parameters:1. 2. 3. 4. 5. Average cost of Borrowings Average cost of Deposits Weighted average cost of fund Average yield of loans and advances Average yield on 31.03.2009 5.48 6.37 5.20 7.30 8.16 31.03.2010 5.00 6.28 4.98 7.62 7.54 31.03.2011 5.41 5.52 4.92 7.00 6.37

6. 7. 8. 9.

insvestment Weighted average yield on Assets Financial Margin Cost of Management Net Margin

6.88 1.68 1.41 0.27

7.07 2.09 1.41 0.68

7.62 2.08 1.56 0.60

Important Ratios:31.03.20 31.03.2010 31.03.20 09 11 Net profit to own funds 0.76 2.04 3.07 Interest Income to average working 6.88 7.07 7.00 funds Net profit to average working funds 0.05 0.14 0.20 Estt. Expenditure to total expenditure 16.47 16.28 15.70 Estt. Expenditure to total Income 16.35 15.96 15.31 Cost of Management to total 20.48 20.00 22.68 Expenditure Capital Adequacy Ratio 4.19 4.25 4.28 Agriculture advances to total 7.25 5.61 4.75 advances Agriculture advance to total 78.41 79.82 78.10 advances

1. 2. 3. 4. 5. 6. 7. 8. 9.

Per Branch and Per Employee Business:31.03.2009 31.03.2010 31.03.2011

1. 2.

Per Branch Business Per Employees Business

2329.97 548.23

2658.18 657.08

2691.47 710.02

Grey Areas:1. 2. 3. 4. Sardar Harinder Pal Chandumajra Managing Director Elected Sardar Ram Singh Jogipur Chairman Sardar Gurbaj Singh Distt. Manager 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:Staff strength

Common Cadre:Sr.N o. 1. 2. 3. Name of the Post District Manager Senior Manager Manager Total Sanctioned Working 1 9 19 29 1 2 9 12 Vacant -7 10 17

Non Common-Cadre:Sr.N o. 1. 2. 3. 4. 5. 6. 7. 8. 9. Name of Post Supdt. Asstt. Manager Accountant Steno-typist Clerk Driver Dafatri Peon Sweeper/Mali TOTAL Sanctioned 1 55 39 7 121 5 1 106 2 366 Working -49 26 -31 3 -35 -156 Vacant 1 6 13 7 90 2 1 71 2 210

Imbalances: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 Cooperative 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. 2. 3. 4. Registration Date of the Bank Registration Number of the Bank Inspection Time Maximum Credit Limit passed by the A.R.C.S Patiala vide letter No. 2315 dated 21.04.1999 06.06.1962 838 01.04.2010 to 31.03.2011 Rs. 45.00 crores.

Audit of the Bank has been conducted up to 31.04.2011. Recovery of Rabi 2010 Particular Nadhind Current Total Present %age Previous

Demand Recovery Balance

1005.07 373.80 631.27

459.30 294.87 164.43

1464.37 668.67 795.70

Year -45.70

Year -36.00 ---

Recovery of Kharif 2010 %age Particular Nadhind Current Demand Recovery Balance Demand 1991.10 795.70 322.74 472.96 Recovery 1237.32 26.73 245.91 280.82

Total 1322.43 568.65 753.78

Present Year -45.70 -Present Year 62.14

Previous Year -36.00 -Previous Year 51.36

Balance 753.78

Repayment of Bank Loan Crop Rabi- 2010 Kharif- 2010 Demand 358.31 305.49 Repaymet 358.31 305.49 % age 100% 100%

Balance Sheet ass on 31.03.2011

LIABILITIES
Paid up share capital of Rs. 100 each held by Inds. Reverse Fund Bad & Doubtful Debts Fund Agriculture Credit stabilization fund Common Good Fund Cooperative Education Fund Cooperative Development Fund Building Fund Risk Fund NPA Provision Depreciation Fund for furniture Loan form SADB for Schemetic 27426500.00 4428162.89 2771008.26 1668856.48 494911.43 154252.00 212104.90 547756.29 53404.58 23255914.00 033576360 .83 456051.83 456051.83 413092.00 413092.00 27426500. 00

loan Loan form SADB for non-farm Loan form SADB for Rural house Suspense Over due Interest Sundry Creditors FDR account Interest payable to SADB Audit Fee Payable CHARTED ACCOUNT Education Fund Payable Insurance Payable Unpaid Salaries Profit for current year Grand Total

14000.00 30000.00 31940210.00 497605.00 178433.00 28261207.00 11000.00 50000.00 28065.00 700.33.00 14114645.06

14000.00 30000.00 319402 10.00 497605.00 178433.00

2832207.0 0

98098.00 14114645.0 6 451947052.7 451947052 2 .72

Assets
Cash in hand C/A With PNB-1 C/A With PNB-2 C/A With CCB-1 C/A With CCB-2 C/A (Deposit Mobilization SADB Deposit A/c with SADB Share Invested with SADB Share Purchased PACL Loan to member under nominal Loan to member under chematic Loan to member under NFS Loan
Loan to member under Rural house/repair

Interest Recoverable on loans Interest Overdue

27234.00 128147.00 455089.00 4289.00 317324.78 2000.00 42107258.00 16121000.00 2000.00 3813941.72 150503118.00 8890820.00 149328516.00 30549882.20 31940210.00

934083.78 58230258.00

312536395.72 62490092.20

Cash insurance prepaid Festival Loan Recoverable form Pb. Govt. Personal Loan Recoverable Form SADB Share Transfer Fund Telephones Furniture And Fixture Generator Set Library Building land Stationery in Stock Accumulated losses of previous years

36367.00 4400.00 100426.00 308500.00 675659.89 3341516.65 200.00 737411.72 39000.00 3399.16 5915.00 8291.00 12495136.60

4466869.54

785725.88 8291.00 12495136.60

Grand Total

451947052.7 2

451947052. 72

Profit and Loss Account as on 31.03.2011 of PADB Patiala


INCOME ITEMS Interest Received/ Recoverable Penal interest Received Income from NPA Provision
Interest received on dep. With SADB

Total Grand Total 43252124.94 43252124.9 4 647920.00 4244379.00 4892299.00 889285.00 889285.00 710449.00 50742.00 107800.00 12697.00 38879.00 49954275.94 710449.00 158542.00 12697.00 38879.00 49954275.9 4

Share Capital with SADB Misc. Income Loan Fee Commission on F.D. Leave salary Re-imbursement Grand Total

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 Cooperative 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 Cooperative 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:Registration No.- 342

Registration Date-09.08.1958 Board of Directors:Sr No. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11 Name of Committee Member Sardar Gurmit Singh Sardar Balbir Singh Sardar Narender Singh Sardar Rajinder Singh Sardar Gunjar Singh Sardar Kulwant Singh Sardar Kamal Jeet Singh Sardar Raghu bir Singh Sardar Gurdeep Singh Sardar Sajan Singh Sardar Bhag Singh 1. At present Society Member 2. At present Gents Members 3. At present Ladies Members Total Crop Loan Disbursed Total Non- Agri Loan Disbursed Total :Designation President Vice- President Secretary Sales Man Peon Committee Member Committee Member Committee Member Committee Member Committee Member Driver 422 346 76 213.00 lacs 209.00 Lacs 422.00 Lacs

Total Loan disbursed for Ladies 43.00 Lac Loan form CC Bank 213.00 lacs Dividend to Members 003.71 lacs Dividend disbursable 005.77 Lacs Previous Profit 028.86 Lacs Profit up to 31.01.2012 022.68 Lacs Plowing 016.19 lacs S.T. Loan Recovery 095.00 lacs N.P.A. 085.00 Lacs M.T. Loan 097.00 Lacs My pago Policy 090.00 Lacs Defaulter S.T. Loan 008.00 lacs

Assets:Tractor Lesser Lender Plowing Machine 2 2 2

Disc aroid Tokka Machine Suhaga Trolley Mini Fire Brigade

1 1 1 1 1

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 Balance Sheet as on 31.01.2012
LIABILITIES
CB MB LOAN CB MT CONV LOAN A/C CB MT LOAN CB ST LOAN CB STNA LOAN TRACTOR LOAN PROFIT MEBER PAYABLE ADVANCE HAINI KALAN IFFCO THE BARAS CASS LTD. THE BHAIN KALAAN ADVANC 219620.00 1150.00 2453438.48 20849819.85 121620.00 14610.00 577117.60 68240.00 1297.00 900.00 138761.00

ASSETS
AGRICULTURE IMPLIMENTS COMPUTER A/C FURNITURE & FIXTURE A/C GODOWN BUILDING A/C CASH CREDIT LIMIT FER. CASH IN HAND MEMBER MB LOAN MEMBER MT AGRI. 5 YRS. MEMBER ST LOAN MEMBER STNA LOAN CMS SIRHAND SEC. 2239094.00 46000.00 84754.43 511633.90 915601.00 470.00 240535.00 4925150.00 20625904.50 712121.00 200.00

BDF CR BAD AND DOUBTFUL FUND BUILDING DEPRECATION FUND BUILDING FUND COMMON GOODS FUND COMPUTER DEP. FUND EDUCATION FUND FURNITURE DEP. FUND FURNITURE FUND GRETUTY FUND IFFCO SHARE FUND MACHINERY DEP. FUND REFIEF FUND RESERVE FUND RISK FUND CREDIT SHARE TRANSFER FUND SEC. STAFF MEMBER SHARE MONEY DEPOSIT NON MEM. CENTRE GOVT. RELIED FUND DEVELOPMENT FUND NET PROFIT

74319.00 825193.00 113910.00 392355.00 109611.00 11500.00 1737.00 43329.00 610.00 658918.00 2000.00 650409.00 18053.00 770986.00 25098.00 36736.00 20000.00 2099730.00 7044.00 12941.00 3608 2268404.57

FDNCCB STAFF NEWCLUS POINT DIPU SEC. SEC. SUGAR SEC. TELEPHONE CB SAVINGH A/C CHD MARKFED RISK FUND DEBIT CCB SAVING MAIN A/C CCB SAVING SPL. A/C BDR DR SHARE CMS SIRHIND SHARE CCB SHARE CONSTOFED CHD SHARE DCU PATIALA SHARE DWS PATIALA SHARE IFFCO SHARE KRIFFCO SHARE MARKFED SHARE SUGAR MILL RAKHRA ADVANCE PAID GOVT. KHANDARI BEVRAZ A/C STOCK FERTILISER

20000.00 200.00 400.00 1050.00 1000.00 6609.10 25098.00 121493.00 280.00 74319.00 1000.00 503000.00 500.00 200.00 200.00 2000.00 300000.00 27500.00 15000.00 9920.00 1355400.00 -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 needs Saving from members Rs. 200000/-Deposited in Bank Interest charged by the Bank 11% Date of Group Meeting 9th 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. 1.

ACTIVITIES: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:SrN o Particulars 200506 200607 200708 200809 200910 201011 201112 from April to July

1.

Total 4381 number of Societies in the State

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:SrN o Particula rs 2005 -06 200607 200708 200809 2009-10 201011 201112 from April to July 11901. 23 Lacs

1.

Work execute d by L&C Societie s.

9610 Lacs

16985. 61 Lacs

30747. 96 Lacs

36912. 96

56010.77L acs

46434. 37 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:200607
2.88 Lacs

SrN o
1.

200708
82.71 Lacs

2008-09
272.13 Lacs

2009-10
629.36 Lacs

2010-11
486.16 Lacs

2011-12 from April to July


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.

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.N o 1. Particulars 200506 112.24 Lacs 200607 203.04 Lacs 200708 368.35 Lacs 200809 443.39 Lacs 200910 696.98 Lacs 201011 483.76 Lacs 2011-12 from April to July 121.41 Lacs

B. Financial Status:1. Contribution.

Contribution from Societies

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.N o 1. Particulars 200506 11.78 Lacs 200607 4.49 Lacs 200708 4.57 Lacs 200809 7.33 Lacs 200910 25.93 Lacs 201011 19.78 Lacs 2011-12 from April to July 4.80 Lacs

Supervision Charges.

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.N o. 1. 2. 3. Particulars Target fixed for the Year. 500 40000 Lacs 400.00 Lacs Target achieved. (From April to July,2011 91 11904.23 Lacs 118.04 Lacs

Registration of New Societies Work executed by L&C Societies Works executed under Supervision of the Federation

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- awardingagencies, 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. 1 2 3 4 5 6 7 8 9 10 11 12 13 Name of Head Share Capital Reserve Fund, other Reserve and Provision Fixed Deposits Saving Bank Deposits Current Deposits Overdue Interest Reserve Profit Money at Call Investments Loans Short term/Medium Other Loan Suspense Sundries Advance Amount 4131344 57895406 79633430 140046277 5180021 49728627 802362 6400000 74902450 46882098 49728626 30000 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. 2. 3. 4. 5. 6. 7. 8. 9. 10 11 CCL Hypothecation Building Loan Staff Housing Loan Machinery Loan Vehicle Loan Consumer Durable Loan Personal Loan Staff Advances Loan against Fixed Deposit Loan against NSC/KVP/LIC 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
14.02.2012 14.02.2012 15.02.2012 15.02.2012 24.02.2012

Time
11.00 a.m. 14.00 hrs. 11.00 a.m. 13.00 hrs.

Institition/ Organisation
Haryana State Agriculture Rural Development Bank, Sector-2 Panchkula Haryana SUGARFED, Sector-2 Panchkula Visit to MILK PLANT, Phase-IV, Mohali Visit to Milk Society in Consultation with Milk Plant ,Mohali Visit to HAFED, Sector-5 Panchkula Visit to Panchkula Urban Coop. Bank, Sector-10 Panchkula Visit to District Agriculture Rural Development Bank Panchkula Visit to HARCO BANK Training Centre Sector2 Panchkula Visit to Patiala DCCB, Patiala Visit to Patiala PADB, Patiala Visit to I.C.D.P. Yanunanagar Visit to Jagadhri Marketing Society Visit to PUNCOFED, Industrial Area-1 Chandigarh Visit to Manimajra Cooperative Society, Sector26, Chandigarh. Visit to a good SHG Fatehgarh Sahib in consultation with DR Office Visit to any PACS in consolation with DR Office Fatehgarh. Visit to LABOURFED Haryana ,Sector-2 Panchkuka Visit to PACS in consultation with HARCOBANK Training Centre.

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11.00 a.m. S24.02.2012 14.30 hrs. 17.02.2012 17.02.2012 18.02.2012 18.02.2012 21.02.2012 21.02.2012 22.02.2012 22.02.2012 23.02.2012 23.02.2012 24.02.2012 25.02.2012 10.30 a.m. 14.30 hrs. 11.00 a.m. 12.30 hrs. 12.00 hrs. 14.30 hrs. 11.00 a.m. 14.00 hrs. 12.00 hrs. 14.30 hrs. 11.00 a.m. 11.00 a.m.