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:

Extension No. Section / Officer
101 Security/Drivers
103 KSCARDB Employee Co-operative Society
104 KSCARDB RO Trivandrum
201 Mananging Director
202 General Manager
203 PA to MD
204 Administrative Officer
205 Finanlce Mananger
206 Dy. Mananger (Gen)/Law Officer
207 Dy. Manager
209 Auditors
210 dy.Mananger(Accounts)
212 Asst.Manager(Cash)
214 Asst.Manager(PF)
215 Steno to General Manager
217 Computer Room
218 Asst.Manager (Estt.)
219 Asst.Manager(Accounts)
222 Asst.Manager (Salary& Wages)
301 President
302 Agri.Dev.Manager(Monito)
303 Finance Manager
304 Agri.Dev.Mananger(F&I)
305 Sy.Manager(NFS)
306 Agri.Dev.Mananger(Computer)
307 Asst.Manager(OL&RHS)
308 Asst.Manager(Dev.Imple.)
309 Agri.Officer(Dev.I&F)
309 Asst.Manager(Computer)
310 Asst.Mananger(Monitoring)
312 Asst.Mananger(NFS)
313 Regional Mananger(OL,RIIS&Reco.)
314 Dy.Mananger(DAP)
317 Agri.Dev.Officer(EDP)
317 Computer Room
401 Chief.Isp. Officer(South Zone)
402 P.A to President
403 Asst.Registrar.(Trustee)
406 Addl Registrar(OSD)
408 Asst.Manager(Insp.)
409 Dy.Mananger(Inspect.)

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Sorry...!!!..This Page Is Under Construction..


All efforts have been made to make the information shown as accurate as possible. The Kerala State Co- Operative Agricultural and Rural Develoement Bank will not be responsible for any loss to any person caused by inaccuracy in the information available on this website. Any discrepancy found may be brought to the notice of Kerala State Co- Operative Agricultural and Rural Develoement Bank. The Kerala State Co- Operative Agricultural and Rural Develoement Bank will not be responsible for personal views and remarks published in this website.


  • Agriculture has been the primary occupation of the people of the district. Cultivable land may be classified as wet, dry, garden and plantations. Rice is the most important crop cultivated in the wet lands.
  • Tapioca and pulses are the important dry-land crops.
  • The district is second highest producer of tapioca in the state after Kollam.
  • The district has the second position in the cultivation of plantain. Papaya is the other commonly cultivated fruit in the district.
  • Coconut, one of the most important crops of the district, is cultivated in an area of 843.08 km2 (325.5 sq mi)
  • The annual production is about 516 million coconuts. Rubber cultivation is mainly confined to Nedumangad taluk.
  • There are about 269.99 km2 (104.2 sq mi) of rubber plantations and the annual production is estimated at 30,717 tonnes.
  • Newly introduced agricultural development schemes have opened new vistas in this field. Fresh schemes are introduced in every panchayat with a view to maximise yield per unit area by exploiting the production potential of paddy and vegetables
  • Cashew is grown in 21.84 km2 (8.4 sq mi) of land and the production is about 1,745 tonnes
  • Pepper cultivation covers an area of 50.9 km2 (19.7 sq mi), and the yield is about 1824 tonnes
  • Soil conservation projects are being implemented with subsidy and loans


  • The district has a total cultivated area of 218,267 hectares (842.73 sq mi)
  • Paddy, tapioca, coconut, rubber, pepper, banana, mango and cashews are the prominent crops
  • The average per-family holding of farmland is 0.21 hectares (2,100 m2)
  • 70 percent of the district's labor force is engaged in agriculture or allied activities
  • Kollam is historically known for Cashew nut cultivation and is home to a number of cashew nut factories. However on analyzing the area of last few years, it is seen that the area of cashew cultivation is continuously decreasing in the district
  • Kollam district occupies the first position in the production of Tapioca and Tuber (Colocasia and Yam) in the state


  • Agriculture is the main occupation of the people
  • About 75% people are dependent on this sector
  • Rubber is the most important crop, with its plantations covering over 478 square kilometres (185 sq mi)
  • The hilly terrain coupled with high humidity makes the region suitable for rubber plantations
  • Paddy is the most important crop cultivated in the wet lands
  • Tapioca and pulses are the important dry land crops
  • Other major crops are coconut, banana, pepper and ginger
  • In certain areas cashew, pineapple, sugarcane, cocoa and other tree spices are cultivated
  • The land available for cultivation is less since sizeable area of the district is reserve forest


  • The major occupation in Alappuzha is farming. The Rice Bowl of Kerala, Kuttanadu is located in Alappuzha
  • The district is a sandy strip of land intercepted by lagoons, rivers and canals.
  • There are neither mountains nor hills in the district except some scattered hillocks lying between Bharanikkavu and Chngannur blocks in the eastern portion of the district
  • The economy of the district is predominantly based on agriculture and marine products. The agricultural activities predominantly revolve around Kuttanad region, the rice bowl of Kerala
  • Though the district is industrially backward, some traditional industries based on coir and coir products, marine products, handlooms, different types of handicrafts, toddy tapping, have been active from the very early times
  • The major soils found in Alappuzha are Sandy,Peaty & Kari,Alluvial,Laterite etc


  • Kottayam has a mountainous terrain as well as low lying areas very close to sea level
  • Depending on the location different varieties of food crops as well as cash crops are cultivated
  • Rice is the principal crop extensively cultivated in low lying regions like Vaikom and Upper Kuttanad
  • The district occupies the third position in the production of rice behind Palakkad and Alappuzha. Though it is the staple food of the people, unfortunately the area under cultivation is dwindling due to more lucrative cash crops like rubber plantations for which Kottayam significantly contributes to the overall rubber production in India
  • Kottayam occupies the first position in the production of rubber in India
  • Rubber trees provide a stable income for the farmers and climate is ideal for rubber plantations
  • Other crops cultivated are tapioca, coconut, pepper, vegetables etc
  • In order to enhance the rubber productivity, government of India has set up Rubber board and Rubber research institute in Kottayam


  • This District has the agro-climatic conditions suitable for the cultivation of plantation crops like tea, coffee, rubber, coconut, cardamom, pepper, etc
  • The District acquired 2nd place in the state in agriculture produces. Small and marginal farmers are predominant in the district.
  • In High land areas there are large holdings of plantations of tea, cardamom etc. owned by corporate bodies and private agencies.
  • This District, a creation of God's natural beauty, has Tea Gardens in the north while major hilly areas have Cardamom plantation
  • Rubber, Coffee and Coconut are the other important crops in the district. More than 80 per cent of the cropped area is under perennial crops
  • The district is declared as a `Spices District` and a 'Technology Mission' has been set up for the development of spices
  • Main Cultivators are about 85,723 and Main Agricultural labourers are about 1,12,391
  • Paddy cultivation is comparatively less


  • The eastern part of the district is primarily agrarian in nature
  • Rice is the principal crop cultivated in the wet lands
  • The area under paddy cultivation in the district has been decreasing steadily over the past 3 decades
  • Ernakulam district is the largest producer of nutmeg and pineapple in the state.The area of nutmeg cultivation is showing an upward trend continuously
  • More than 70% of the total pineapple produced in the state is cultivated in the district
  • Pineapple is largely cultivated in Muvattupuzha and Vazhakulam
  • Rubber is the most cultivated plantation crop in the district and the district is the second largest producer of rubber in the state behind Kottayam
  • The other important crops cultivated in the district are Tapioca, Black pepper, Arecanut, Coconut, Turmeric, Banana and Plantain


  • Paddy cultivation is by far the largest agricultural practice pursued by a major section of the people.
  • The low lying lands are cultivated with paddy and are fit only for this purpose
  • The coconut palm dominates the garden crops of the district
  • Among the condiments and spices grow in the district the areca nut is the most important
  • A large variety of fruit trees are also grown in the district
  • The district has a tropical humid climate with an oppressive hot season and plentiful and fairly assured seasonal rainfall.
  • The average annual rainfall is 31590 4mm.


  • Palakkad is the one of the most agrarian districts in Kerala
  • Palakkad is particularly known for paddy cultivation
  • Paddy is cultivated in around 83,998 Hectares in the district and occupies the first position in the production of rice in the state
  • Palakkad also occupies the first position in the state for the production of groundnut, tamarind, turmeric, tuber, vegetables, pulses, mango, banana, plantain and cotton
  • Rubber, Coconut, Areca nut, Black pepper etc. are also cultivated extensively like other parts of Kerala


  • Malappuram is a hilly terraced tract
  • The innumerable streams that meander these hills reach the coconut fringed and picturesque sea coast
  • In many places, these streams are linked with backwaters which facilitate a network of inland waterways
  • The midland region is fertile with thick coconut groves while the hilly tract has dense forests and extensive teak plantations apart being the source of innumerable streams and rivers


  • The geographical conditions of city area and suburban areas are similar to the other parts of the district falling in coastal and midland zones
  • The region comprising Kozhikode Corporation and peri-urban blocks belong to the low- and midlands in the typical classification of land in Kerala as low-, mid- and highlands
  • Lagoons and backwaters characterise the lowland, which receives runoff from the rivers
  • The lowland is often subjected to salinity intrusion
  • The coastal plains exhibit more or less flat, narrow terrain with landforms such as beach ridges, sandbars, and backwater marshes
  • The average annual rainfall is 3,266 mm


  • Agriculture is the mainstay of the economy
  • Coffee, tea, cocoa, pepper, plantain and vanilla are the main crops
  • It is a revenue state due to foreign exchange of these cash crops and other condiments
  • Besides the cash crops, the most important crop in the district is rice.
  • Wayanad has two or more rices with their own properties, Wayanad Jeerakasala Rice and Wayanad Gandhakasala Rice are among the most aromatic rices in world
  • The higher elevation and forest cover creates a comfortable and a cool climate


  • A majority of the population of the district is dependent directly or indirectly on agriculture for their livelihood
  • The main crops grown in the district are paddy, coconut, pepper, cashew, tapioca, arecanut and plantation crops like rubber
  • Paddy occupies the largest area among annual crops
  • coconut is the most important crop in the district.
  • An important cash crop grown in the district is cashewnut
  • Among spices, pepper occupies an important place
  • Pepper is mostly grown as an intercrop with coconut, arecanut and fruit trees
  • About 55% of the rubber cultivation of Kannur district is in Iritty taluk, followed by Thaliparamba, Thalassery and Kannur taluks
  • The yield of rubber per hectare varies from 2000 kg to 4000 kg


  • Agriculture forms the mainstay of the population of the district
  • The soil in the three natural divisions generally fall under three types. In the highland region it is laterite. In the midland, the soil is a red ferruginous loam of laterite origin with an admixture of clay and sand. The coastal strip is sandy
  • The eastern tract comprises of forests and hilly areas
  • The important crops are rubber, cashew and ginger
  • In the skeletal plateau areas, cashew trees are cultivated, while in some patches, arecanut, pepper and cocoa are grown
  • In the coastal tract, paddy, coconut, arecanut, cashew, tobacco, vegetable and tapioca are cultivated