Organizational Structure

SCARDB


Organizational Structure

The Organizational Structure of ARDBs as it emerged over the years is not uniform all over the country. The total No. of SCARDBs are 16, the Structure is Federal in 7 States, Unitary in 7 States and in 2 States having a Mixed Structure. In three States, State Co-operative Banks (STCBs) are providing term loans for agriculture along with production credit.

Federal Structure

Under the federal structure which is operative in 7 states viz. Haryana, Karnataka, Kerala, Odisha, Punjab, Rajasthan and Tamil Nadu, individual borrowers are members of primary units, or PCARDBs which, in turn, are federated into state level SCARDB in each state.

Unitary structure

The unitary structure which is functioning in 7 states viz. Assam, Bihar, Gujarat, Jammu & Kashmir, Pondicherry, Tripura & Uttar Pradesh, has a single state level institution which operates through its branch network; the branches are not independent entities though individual farmers are serviced through them.

Mixed structure

Two states viz. Himanchal Pradesh and West Bengal are serviced through the mixed structure comprising both PCARDBs and branches of SCARDBs.

service

Membership of the Federation

Assam State Co-operative Agriculture & Rural Development Bank Ltd., Guwahati

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Multi-State Co-operative Land Development Bank Ltd., Patna

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Delhi State Cooperative Bank Ltd., New Delhi

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Gujarat State Co-operative Agriculture & Rural Development Bank Ltd., Ahmedabad

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Haryana State Co-operative Agriculture & Rural Development Bank Ltd., Chandigarh

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Himachal Pradesh State Co-operative Agriculture & Rural Development Bank Ltd., Shimla

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Jammu & Kashmir State Co-operative Agriculture & Rural Development Bank Ltd., Srinagar

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Karnataka State Co-operative Agriculture & Rural Development Bank Ltd., Bangalore

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Kerala State Co-operative Agricultural & Rural Development Bank Ltd., Thiruvananthapuram

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Meghalaya Co-operative Apex Bank Ltd., Shillong

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Odisha State Co-operative Agricultural & Rural Development Bank Ltd., Bhubaneshwar

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Pondicherry Co-operative Central Land Development Bank Ltd., Pondicherry.

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Punjab State Co-operative Agricultural Development Bank Ltd., Chandigarh

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Rajasthan RajyaSahakariBhoomiVikas Bank Ltd., Jaipur

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Tamil Nadu Co-operative State Agriculture & Rural Development Bank Ltd., Chennai

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Telangana State Cooperative Bank Ltd., Hyderabad

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Tripura Co-operative Agriculture & Rural Development Bank Ltd., Agartala

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Uttar Pradesh Sahakari Gram Vikas Bank Ltd., Lucknow

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West Bengal State Co-operative Agriculture & Rural Development Bank Ltd., Kolkata

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