Credit Co-operatives

Agricultural Co-operative Credit: Classification of Cooperatives; Agriculture and Non Agriculture Cooperatives; Cooperative Credit; Cooperative Banking Structure: S.T, M.T & L.T; Principles of Good Credit System; Advantages of Co- operative Credit; Constitution and Functioning of PACS; Crop Loans; Re- organization of PACS; S.T. Loan Policy and Procedures; Linking of Credit with Marketing; M.T. Credit - Purpose and Security; NFS Lending; and Micro Credit.

Co-operative Development: Meaning; Economic Planning and Cooperatives; Co-operatives in Five Year Plans; Recommendations of various Cooperative Committees: Mehta Committee; Mirdha Committee; AIRCSC; AIRCRC; CRAFICARD; ACRC; and Task Force on ST and LT Co-operative Credit Structure (Vaidyanathan Committee), and Narasimham Committee (Prudential Norms).

Significance of DCCBs and SCBs in ST Cooperative Credit; Constitution and Working; Mobilization of Deposits; Lending Operations; Over Dues and NPA; Apex Banks; Constitution and Working; Functioning of National Federation of State Cooperative Banks, Latest developments in Cooperative Banking.

L.T. Credit: Need for a Separate Agency to provide L.T. Credit; Constitution and Working of Primary and State Co-operative Agricultural and Rural Development Bank; Debentures- Types; Procedures; Problems and Sinking Fund; National Federation; Single Window Co-operative Credit Delivery System; and Multi Agency Approach.

Non-Agricultural Credit Co-operatives: Constitution and Functions of Co-operative Urban Banks; Employees Co-operative Thrift and Credit Societies; Co-operative Housing Societies; Industrial Co-operative Banks; NABARD and RBI.