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Co-Op Electives: BMB CM 01 BMB CM 02 BMB CM 03 BMB CM 04 BMB CM 05

BMB CM 03 • Co-operative Management Elective

Credit Co-Operatives

▶ Start Reading Unit 1 ← Back to Semester 3 Hub

Unit 1: Agricultural Co-operative Credit & PACS

Complete AKTU Syllabus Coverage • 4 Master Notes

4 Topics ▼

1. Foundations of Rural Cooperative Credit: Classification of Cooperatives, Three-Tier Short-Term (ST) vs Two-Tier Long-Term (LT) Credit Architecture

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2. Principles of Sound Rural Credit & Advantages of Credit Cooperatives: Proximity, Tailored Collateral, Democratic Oversight & Social Inclusion

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3. Primary Agricultural Credit Societies (PACS): Organizational Structure, Working Capital, Crop Loan System (KCC) & Operational Revitalization

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4. Medium-Term Credit, NFS Lending & Credit-Marketing Integration: Term Lending, Non-Farm Sector Finance, Micro-Credit & Linking PACS with Marketing Societies

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Unit 2: Co-operative Credit Development & Committees

Complete AKTU Syllabus Coverage • 4 Master Notes

4 Topics ▼

1. Co-operatives in Five-Year Plans & Early Policy Milestones: V.L. Mehta Committee, Ram Niwas Mirdha Committee & State Partnership Strategies

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2. Landmark Institutional Review Committees: All India Rural Credit Survey Committee (Gorwala), AIRCRC (Venkatappiah), CRAFICARD (Sivaraman) & ACRC (Khusro)

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3. Revitalization of Rural Cooperative Credit: Vaidyanathan Task Force Recommendations on Short-Term and Long-Term Credit Structures

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4. Financial Sector Reforms & Cooperative Banking: Narasimham Committee Recommendations, Capital Adequacy, CRR/SLR & Prudential Norms (IRAC)

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Unit 3: DCCB & State Co-operative Banks

Complete AKTU Syllabus Coverage • 4 Master Notes

4 Topics ▼

1. District Central Cooperative Banks (DCCBs): Role, Constitution, Structural Linkages, Operational Functions & Financial Intermediation

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2. Deposit Mobilization & Working Capital Management in DCCBs: Resource Augmentation, Refinance Windows & Rural Savings Strategies

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3. Lending Operations, Recovery Management & NPA Mitigation: Loan Portfolio Structuring, Causes of Overdues, Prudential Provisioning & Recovery Mechanisms

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4. State Cooperative Banks (Apex Banks) & NAFSCOB: Organizational Governance, Apex Financial Clearinghouse Functions, Federal Balancing & Modern Reforms

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Unit 4: Long Term Co-operative Credit

Complete AKTU Syllabus Coverage • 4 Master Notes

4 Topics ▼

1. Long-Term Agricultural Credit Rationale & Institutional Architecture: Need for Capital Investment in Land, Historical Evolution from Land Mortgage Banks to ARDBs

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2. Primary and State Cooperative Agricultural and Rural Development Banks (PCARDBs & SCARDBs): Structure, Functions, Appraisal of Term Loans & Security Requirements

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3. Resource Mobilization via Debentures & Sinking Funds: Ordinary, Special & Rural Debentures, Flotation Procedures, Government Guarantees & Sinking Fund Mechanics

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4. Strategic Paradigms in Rural Lending: Single Window Credit Delivery Mechanism, Multi-Agency Approach, Commercial Bank Synergy & NCARDB Federation

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Unit 5: Non-Agricultural Credit Co-operatives

Complete AKTU Syllabus Coverage • 4 Master Notes

4 Topics ▼

1. Urban Cooperative Banks (UCBs): Genesis, Dual Regulatory Control, Licensing, Capital Adequacy, Core Banking Solutions & RBI Regulatory Framework

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2. Employees’ Cooperative Thrift & Credit Societies (Salary Earners’ Societies): Organizational Mechanism, Payroll Deductions, Member Welfare & Risk Mitigation

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3. Specialized Credit Cooperatives: Cooperative Housing Societies, Industrial Cooperative Banks & Weavers/Artisans Credit Societies

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4. Apex Institutional Supervision: Statutory Mandate of RBI (Banking Regulation Act 1949 as applicable to Cooperative Societies) and Supervisory Architecture of NABARD

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