THE KERALA STATE CO-OPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT BANK LTD(KSCARDB)

Comprehensive Rural Development Through Credit

Activities (Operations & Activities)

The Activities and operations of the Kerala State Co -operative Agricultural and Rural Development Bank includes the following:

Awards Description
UDYABHAN SINGHJI AWARDS. 1982-83 For outstanding performance in the category of developing Land Development Banks in the country. Instituted by NCARDB’s Federation
UDYABHAN SINGHJI AWARDS. 1983-84 For outstanding performance in the category of developing Land Development Banks in the country. Instituted by NCARDB’s Federation.
UDYABHAN SINGHJI AWARDS. 1984-85 For outstanding performance in the category of developing Land Development Banks in the country. Instituted by NCARDB’s Federation.
UDYABHAN SINGHJI AWARDS. 1985-86 For outstanding performance in the category of developing Land Development Banks in the country. Instituted by NCARDB’s Federation.
BEST PERFORMANCE AWARDS.1985-86 For best performance of Agricultural and Rural Development Banks in the country. Instituted by Government of India, Department of Agriculture and co-operation. Ministry of Agriculture.
VENKATARATNAM MEMORIAL AWARDS. 1987-88 For outstanding performance in the category of developed Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation.
UDYABHAN SINGHJI AWARDS. 1990-91 For outstanding performance in the category of developing Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation.
UDYABHAN SINGHJI AWARDS. 1994-95 For outstanding performance in the category of developing Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation.
CHAIRMAN’S TROPHY.1995-96 For outstanding achievements by Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation.
CHIRMAN’S TROPHY. 1996-97 For outstanding achievements by Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation.
BEST PERFORMANCE 1997-98 KSCARDB- Second Place in India award constituted by NABARD at all India level (Rs 3 Lakhs)
BEST PERFORMANCE 1999-00 KSCARDB- First Place in India award constituted by NABARD at all India level (Rs. 5 Lakhs)
UDYABHAN SINGHJI AWARDS. 1999-00 For outstanding performance in the category of developing Agricultural and Rural Development Banks in the country. Instituted by NCARDB’s Federation
BEST PERFORMANCE 2000-01 KSCARDB- First Place in India award constituted by NABARD at all India level (Rs. 5 Lakhs)
BEST PERFORMANCE 2001-02 SCARDB- First Place in India award constituted by NABARD at all India level (Rs. 5 Lakhs)

1970 - 1980

YEAR PERIOD APEX BANK DEMAND [Rs. In Lakhs] APEX BANK OVERDUE [%] PCARDB LEVEL DEMAND [Rs in Lakhs] PRIMARY BANK LEVEL OVERDUE [%]
1971-72 109.44 22.36 127.24 34.76
1972-73 141.90 27.24 181.59 34.70
1973-74 192.71 22.37 224.74 33.98
1974-75 1974-75 16.14 283.10 27.50
1975-76 270.47 9.46 9.46 9.46
1976-77 304.09 5.69 396.44 20.75
1977-78 389.20 5.01 488.04 17.77
1978-79 480.52 4.95 587.84 18.35
1979-80 590.97 4.64 718.36 19.41

1980 - 1990

YEAR PERIOD APEX BANK DEMAND [Rs. In Lakhs] APEX BANK OVERDUE [%] PCARDB LEVEL DEMAND [Rs in Lakhs] PRIMARY BANK LEVEL OVERDUE [%]
1980-81 748.95 3.08 918.07 15.73
1981-82 999.75 4.99 1189.36 17.58
1982-83 1224.55 8.39 1475.98 21.65
1983-84 1464.72 10.31 1742.91 18.06
1984-85 1849.42 13.56 2155.66 19.89
1985-86 2688.29 20.96 2762.88 27.22
1986-87 3217.58 34.18 3270.33 42.06
1987-88 3726.82 35.57 3947.42 41.75
1988-89 4960.97 35.33 5023.49 40.29
1989-90 5716.55 34.77 5951.50 46.88

1990 - 2000

YEAR PERIOD APEX BANK DEMAND [Rs. In Lakhs] APEX BANK OVERDUE [%] PCARDB LEVEL DEMAND [Rs in Lakhs] PRIMARY BANK LEVEL OVERDUE [%]
1990-91 6740.61 30.28 7529.98 41.94
1991-92 8048.24 26.28 9337.84 37.43
1992-93 8744.77 25,85 10195.76 40.05
1993-94 9569.56 18,85 11345.09 32.15
1994-95 10140.93 12.16 12767.05 27.70
1995-96 11034.25 8.25 14058.94 24,55
1996-97 13693.79 7.28 17029.19 23.77
1997-98 16296.10 6.87 21033.43 26.70
1998-99 19670.74 5.27 25894.23 25.86
1999-00 22732.24 4.49 31003.36 26.67

2000 - 2010

YEAR PERIOD APEX BANK DEMAND [Rs. In Lakhs] APEX BANK OVERDUE [%] PCARDB LEVEL DEMAND [Rs in Lakhs] PRIMARY BANK LEVEL OVERDUE [%]
2000-01 25433.32 7.65 35284.32 34.21
2001-02 27521.59 15.46 39733.75 43.97
2002-03 33179.00 20.17 51753.00 48.72
2003-04 29851.50 17.70 52660.51 55.69
2004-05 2004-05 17.16 62592.65 43.44
2005-06 41368.29 18.4 62030.55 50.84
2006-07 50124.07 11.57 77414.13 36.24
2007-08 54896.90 22.85 86635.11 33.62
2008-09 65626.06 11.59 81665.56 38.92

1950 - 1960

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
1956-57 2.77 2.77
1957-58 9.37 9.37
1958-59 12.25 12.25
1959-60 11.51 11.51

1960 - 1970

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
1961-62 19.09 19.09
1962-63 32.50 32.50
1963-64 57.57 57.57
1964-65 80.80 80.80
1965-66 90.83 90.83
1966-67 110.67 110.67
1967-68 77.33 77.33
1968-69 101.54 5.15 106.69
1969-70 102.69 26.13 128.82

1970 - 1980

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
1970-71 120.11 35.90 156.01
1971-72 214.52 49.86 264.38
1972-73 252.09 31.17 283.26
1973-74 276.57 54.04 330.61
1974-75 275.66 70.68 346.34
1975-76 358.84 83.09 441.93
1976-77 697.37 102.12 799.49
1977-78 647.98 183.20 831.18
1978-79 682.07 345.00 1027.07
1979-80 945.47 804.01 1749.48

1980 - 1990

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
1980-81 1680.59 708.47 2389.06
1981-82 718.19 1397.29 2115.48
1982-83 553.40 1629.17 2182.57
1983-84 1058.44 1495.02 2553.46
1984-85 1299.85 1761.29 3061.14
1985-86 1953.83 2148.27 4102.10
1986-87 722.46 2192.45 4102.10
1987-88 1498.68 2334.06 1048.08 4880.82
1988-89 1077.72 1448.16 523.24 3049.12
1989-90 1443.64 2311.40 607.87 844.23 5207.14

1990 - 2000

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
1990-91 1262.43 2486 08 935.14 3434.62 8118.27
1991-92 1144.36 2762.41 1018.43 1728.89 6654.09
1992-93 1242.58 2741.92 1872.07 1131.25 6987.82
1993-94 1180.36 3175.40 2763.99 1371.15 8490.90
1994-95 1062.97 4559.73 3076.85 2431.14 11130.69
1995-96 1044.43 6753.96 4052.90 3548.71 15400.00
1996-97 1796.20 8093.20 6151.24 4705.50 20746.14
1997-98 1084.32 7937.98 5100.67 9507.46 23630.43
1998-99 463.84 9474.69 4584.56 8669.53 23192.62
1999-00 444.26 10096.69 7284.52 12302.96 30128.43

2000 - 2010

YEAR PERIOD ORDINARY SCHEME NON FARM RURAL HOUSING GOLD LOAN TOTAL
2000-01 665.10 12150.93 8136.54 12379 33331.64
2001-02 766.42 11740.00 7419.64 11981 31907.43
2002-03 767.03 9876.62 6571.96 12115.69 29331.30
YEAR PERIOD ORDINARY SCHEME SHORT TERM NFS RURAL HOUSING GOLD LOAN OTHERS TOTAL
2003-04 656.22 8605.05 4900.45 12347.06 348.13 26856.91
2004-05 540.15 9806.09 7361.78 12162.08 1416.3 31286.4
2005-06 395.56 9966.34 6813.45 15655.47 2023.24 34854.06
2006-07 289.94 8759.80 5677.25 17349.21 3042.18 35118.38
2007-08 253.39 6763.18 6159.87 16441.11 2993.53 32611.08
2008-09 323.97 6909.06 5401.94 7255.57 21599.60 3118.26 11725.32 56333.72
2009-10 433.01 8078.74 7305.89 9076.91 28296.18 3828.71 11922.49 68941.93
2010-11 582.43 11741.59 9086.91 12109.47 36095.79 5441.34 13999.86 89057.39

The programme for Deposit mobilization by ARDBs (then LDBs) in the past did not make much headway because of the many restrictive provisions in the scheme prescribed by Reserve Bank of India in 1972. NABARD has recently constituted a working group under the Chairmanship of Dr. M.C.Bhandari, Executive Director of NABARD, to recommend suitable scheme for mobilizing Deposits by ARDBs successfully. On the basis of the recommendations of this working group, the ARDBs are allowed to mobilize deposits at the rate of interest determined by themselves without any reference to the rates offered by State/Central Cooperative Banks. The Central Government has also exempted the deposit collected by ARDBs from deducting the Income Tax at source.


The proposal of this Bank to launch a Deposit mobilization scheme in line with the above guideline of NABARD is yet to be cleared by State Government, as it holds a view that sufficient fund were already available and no necessity to raise funds through Deposit mobilization by ARDBs in the State. More than twelve State SCARDBs in the country are now implementing the Deposit Mobilization Programme as per the guideline issued by NABARD. At the national level it is advised to go aggressively in mobilizing Deposits and should implement separate lending programmes mainly to cater the short-term consumption/personal credit needs of ARDB borrowers.


The mobilization of Deposits by moping up the rural savings will be the best means of augmenting the resource base of ARDBs in the State. In spite of high density of Bank branches and better Deposit mobilization programmes by ST Credit structure in the State; it is estimated that only about 50% of the rural savings potential could be tapped so far.


1950 - 1960

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
1956-57
1957-58 92.33 1.32
1958-59 95.18 1.60
1959-60 95.87 2.08

1960 - 1970

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
1960-61 101.56 2.30 1.77 1.74
1961-62 109.34 2.49 1.89 1.73
1962-63 127.04 1.87 2.17 1.71
1963-64 175.33 2.28 2.28 1.30
1964-65 238.53 2.76 2.60 1.09
1965-66 308.82 3.38 3.58 1.16
1966-67 397.53 6.48 3.73 0.94
1967-68 448.12 7.09 4.03 0.90
1968-69 520.18 4.76 4.58 0.88
1969-70 615.13 8.71 5.16 0.84

1970 - 1980

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
1970-71 732.22 7.70 6.50 0.89
1971-72 950.26 7.27 7.39 0.78
1972-73 1183.10 9.97 9.18 0.78
1973-74 1439.84 11.13 9.55 0.66
1974-75 1675.04 12.78 12.43 74
1975-76 1974.68 14.12 16.26 0.82
1976-77 2607.30 17.42 16.49 0.63
1977-78 3210.68 16.30 24.44 0.76
1978-79 3935.57 25.74 27.29 0.69
1979-80 5293.59 21.87 30.26 0.57

1980 - 1990

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
1980-81 7173.42 31.11 36.45 0.51
1981-82 8595.98 40.92 44.16 0.51
1983-84 11589.15 51.98 68.23 0.58
1984-85 13482.54 99.72 72.20 0.54
1985-86 16136.01 100.17 84.43 0.52
1987-88 20484.36 97.14 108.09 0.53
1988-89* 22035.21 74.41 80.03 0.36
1989-90 24933.96 54.32 139.72 0.56

* Tentative figures

1990 - 2000

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
1990-91 30640.96 146.36 165.43 0.54
1991-92 34273.41 80.61 214.83 0.63
1992-93 37661.97 166.9 306.31 0.81
1993-94 41242.15 186.67 355.88 0.86
1994-95 46379.58 208.02 413.22 0.89
1995-96 54308.78 382.54 493.61 0.90
1996-97 67075.92 416.46 538.59 0.80
1997-98 81131.17 535.61 598.23 0.73
1998-99 92967.59 652.75 662.82 0.71
1999-00 108132.97 757.77 959.93 0.89

2000 - 2010

YEAR PERIOD LOAN OUTSTANDING style="width:13%"PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
2000-01 125291.02 858.97 1039.27 0.83
2001-02 140227.18 978.52 1086.90 0.77
2002-03 149031.17 1041.56 1110.16 0.74
2003-04 148001.90 1126.49 1192.01 0.80
2004-05 155731.62 426.70 1189.71 0.76
2005-06 169133.91 383.19 1387.09 0.83
2006-07 180427.52 0 1830.88 1.01
2007-08 176916.95 279.69 1820.17 1.03
2008-09 179043.89 1698.38 1958.66 1.10
2009-10 190812.55 1751.75 2212.37 1.16

2010 - 2020

YEAR PERIOD LOAN OUTSTANDING PROFIT ESTT.&CONTINGENCIES % OF ESTT.& CON. TO LOAN OUTSTANDING
2010-11 205887.00* 205887.00 * 1812.28 * 2600.00*

* Tentative figures