1. Presentation on
District Central Co-operative Bank

2. The District central co-operative banks are located
at the district headquarters or some prominent town of
the district.
These banks have a few private individuals also who
provide both finance and management.
The central co-operative banks have three sources of
funds:

3. Their own share capital and reserves
Deposits from the public
Loans from the state co-operative banks

4. MEMBERSHIP
 Open to all individual farmer.
 Primary Credit Society
 Marketing cooperative Society
 Consumer Stores
 Farming Societies

5. FUNCTIONS OF DCCB
 To meet the credit requirements of member-societies
 To perform banking business.
 To act as balancing centre for the PACS by diverting
the surplus funds of some societies to those which face
shortage of funds
 To undertake non-credit activities.

6. Cont..
 To maintain close and continuous contact with PACS
and provide leadership and guidance to them.
 To supervise and inspect the PACS and
 To provide a safe place for the investment of the
resources of PACs.

7. Board of the DCCB
 The Board of the DCCB comprise elected Chairmen of
PACS, representative of the State Government and the
State Cooperative Bank.
 The board meets periodically to review the
performance of the bank and provide policy.
 The Government is an important stakeholder as the
DCCBs functions under the administrative control of
the registrar of cooperative societies.

8. Loans and Advances
Short Term Production Loans
 Short term production loans are
extended for raising crops
 These are routed through the Primary
Agricultural Credit Societies (PACS).

9. Cont…
 The Government of India has introduced an
interest subvention scheme whereby loans upto
Rs. 3 lakhs
 Extended to farmers at an interest rate of 7% and
Government of India provides a interest subsidy
of 2% to the banks.

10. Kisan Credit Card
• Kisan Credit Card is an innovation brought about in
the banking system to make short term credit to
farmers easy, convenient and flexible.
• The key features of the scheme are as follows :
• One time documentation
• Single limit for whole years requirements

11. • Requirements for consumption credit are also taken
into account
• Any number of drawls and repayments are permitted
• Automatic renewal if the account is regular
• Additional features like personal accident insurance are
provided at a small feel in collaboration with insurance
companies .

12. Term loans
 The cooperatives also offer term loans to farmers.
 Theses can be delivered either through the PACs or
directly to the farmers by the DCCBs.
 For such financing, the DCCBs can obtain refinance
from higher lending agencies like NABARD, who
channelize these funds through the State Cooperative
Banks.

13.  Term loans are extended for a wide range of
purposes, from excavation of wells, purchase of pump
sets to horticulture, animal husbandry and even rural
transport like tractors and other farm equipment..

14. Inspection of District Central
Cooperative Banks
 All District Central Cooperative Banks are registered
under the Banking Regulations Act and are under the
regulatory control of the Reserve Bank of India.
 The banks are expected to follow the various relevant
provisions of the Banking Regulations Act and are
subjected to periodical supervision to ensure that they
function as per the provisions of law and with
prudence.

15. THANK YOU