registrar of co-operative societies report english -2017...1 registrar of co-operative societies...
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1
REGISTRAR OF CO-OPERATIVE SOCIETIES
INTRODUCTION
The greatest challenge to any civilized society is the economic
deprivation it harbours, in league with social deprivation. It is
inescapable that a collective war is waged to banish human deprivation
from our midst. No other organized set up can be more potent for this
attack than building human capital among the deprived, through
sustainable Cooperative Development Initiatives. Congruity with
human nature further enhances the value of such initiatives. This
principle is germane to the cooperative management in the Country
and Karnataka in particular, which ensconces the basic human feeling
of self-worth as its core. The cooperative strategy goes deep into the
realms of building financial capabilities and self confidence especially
among the rural poor.
COOPERATIVE MOVEMENT IN KARNATAKA
The State has witnessed tremendous growth in the cooperative
sector. Cooperative institutions have played a vital role in the socio-
economic development of the State, particularly in the rural areas and
in agriculture and allied sectors. It is our firm belief and conviction
that the Co-operative Institutions will continue to play a key role in the
economic development of the country and will become more relevant
in the changing economic environment of liberalization and
globalization.
Cooperative Movement is wide spread in all the developmental
sectors like Credit, Marketing, Consumers, Silk Industry, Dairy,
Fisheries, Horticulture, Sugar, House Building, Constructions of
godowns etc.
2
Chapter I :-
Vision
To promote and encourage the growth of self-reliant,
autonomous and economically viable co-operatives through active
participation of the members
Mission
The mission of the department is :-
1. To take steps to see that genuine co-operatives are organized
and managed on sound lines as per the basic principles of co-
operation.
2. To render guidance and assistance for the development of co-
operative movement in the State and there by promote the
economic interests and welfare of the people.
3. To serve as a friend, philosopher and guide to all types of co-
operatives.
Objectives
1. Strengthen the credit delivery system to the farmers through
PACS and sustain the PACS by effective implementation of
Business Development Plan.
2. Extend health care facilities to all the members of rural
cooperatives.
3. Encourage active participation of women and socially and
economically backward sections of the society in the cooperative
movement.
4. Strengthen the infrastructure and financial position of the
cooperative societies with a district level integrated approach.
5. Modernize the office management for improved efficiency.
3
Functions
1. Suggest suitable amendments to all the Acts and Rules
administered by the Department.
2. Regulate and guide the co-operative societies as per Co-operative
Act and Rules.
3. Ensure that various developmental schemes pertaining to the co-
operatives are effectively implemented.
4. Reform the process of settling claims under various
developmental schemes.
5. Modernize the office Infrastructure and impart HRD-related
training to all the personnel of the Department.
Organizational Structure of the Department;
The Department at the Government level has a secretariat and a
five-tier field department comprising of the State, Region, District,
Sub-division and Taluka levels. The field officers of the co-operation
department are not only in charge of regulating the affairs of
divisional, district and taluk level co-operatives but also implementing
the departmental programmes and schemes.
Secretariat:
The Department of Co-operation at the Government level is
headed by a Minister of cabinet rank. The Secretary to Government,
Department of Co-operation looks after the working of the Registrar of
Co-operative societies, Co-operative Audit, Agriculture Marketing and
the Karnataka State Warehousing Corporation. The department of co-
operation at the Secretariat is responsible for policy making, planning,
and budgeting and for providing other support services to the co-
operative sector. It provides norms and broad guidelines for
strengthening and consolidating the growth of co-operatives. It liaises
with Planning, Finance and other departments and with the
Government of India. It is the Appellate authority under the KCS Act
and Rules. Government is also the appointing and disciplinary
authority in respect of the “A” group officers of these departments.
4
State Head Quarters:
The Registrar of Co-operative Societies is the Head of the
Department of Co-operation. He is also the Registrar General of
Money Lenders and Pawn Brokers and the Registrar of chits. He
exercises statutory powers under the Karnataka Co-operative Societies
Act 1959, the Karnataka Money Lenders Act 1961, Karnataka Pawn
Brokers Act 1961 and Chit Funds Act 1982. The Registrar of Co-
operative Societies is the Government‟s nominee on the boards of
Apex level Co-operatives such as the Karnataka State Co-operative
Apex Bank, the Karnataka State Co-operative Agriculture and Rural
Development Bank, the Karnataka Cooperative Milk Producers
Federation, the Karnataka State Co-operative Marketing Federation,
the Karnataka State Co-operative Federation etc.,
Regional, District, Sub-divisional and Taluk level:
The powers of the Registrar have been delegated to the
Additional Registrars of Co-operative Societies and Joint Registrars of
Co-operative Societies in the Head Office, 4 Regional Joint Registrars
of Co-operative Societies, 33 Deputy Registrars of Co-operative
Societies of the Districts/ Zone and 52 Assistant Registrars of Co-
operative Societies, based on the registered jurisdiction of the
cooperatives. These officers exercise statutory and administrative
control over the co-operatives in accordance with the powers delegated
to them and accordingly register, amalgamate, liquidate co-operative
societies, amend their byelaws, inspect the co-operatives, function as
quasi judicial authorities and perform all other statutory duties.
The District Deputy Registrars also function under the control
of the Zilla Panchayats so far as the implementations of the District
sector Plan Schemes are concerned. The sub-divisional Assistant
Registrar‟s of Co-operative Societies are responsible for the
implementation of the State Plan Schemes and the District Sectors
Plan Schemes. For implementation of plan schemes of the District
Sector, they work under the supervision of the Taluk Panchayats.
There are 131 Co-operative Development Officers, 153 Co-operative
Senior Inspectors and 109 Co-operative Inspectors working in the
department.
5
Acts and Rules implemented by Co-operation Department
1. Karnataka Co-operative Societies Act, 1959 and Karnataka Co-
operative Societies Rules, 1960.
2. Karnataka Moneylenders Act, 1961 and Karnataka
Moneylenders Rules 1965.
3. Karnataka Pawnbrokers Act, 1961 and Karnataka Pawnbrokers
Rules 1966.
4. Chit Funds Act, 1982 and Chit Funds (Karnataka) Rules 1983.
5. Karnataka Public Money (Recovery of Dues) Act, 1980.
6. Karnataka Agricultural Credit operations and Miscellaneous
Provisions Act, 1974.
7. Karnataka Souharda Co-operative Act, 1997 and Karnataka
Souharda Co-operative Act Rules, 2004.
8. Karnataka Prohibition of charging exorbitant interest Act, 2004.
9. Karnataka Societies Registration Act 1960.
6
Basic Statistics
Sl.
No Particulars
2015-16
2016-17
2017-18
(tentative)
1
No.of cooperatives 40,643 41,402 42543
Of which
a) Working
b) Defunct
c) Under liquidation
35,589
1,746
3,308
36,345
1,706
3,351
37,516 1,731 3,296
2
Share Capital (Rs. in crores)
of which 4644.18 4,961.74 4,519.79
a) Govt 238.91 228.55 178.13
b) Members 4405.27 4,733.19 4,341.65
3 Membership ( in lakhs) 234.65 248.21 228.85
4 Working Capital
(Rs. in crores) 86,212 98,364 1,09,666
5 Deposits
(Rs. in crores) 62,587 64,634 64,200
6 No. of villages covered by co-
operatives % 100%
100% 100%
7
No. of cooperatives societies
under profit
No. of cooperative societies
under loss
No. of co-operative societies
with no profit/ no loss
23,307
13,514
3,822
24,619
12,399
4,384
24,888
13,901
3,754
7
-: Chapter II:-
PERFORMANCE OF THE DEPARTMENT
Allocation and expenditure for the year 2015-16, 2016-17 and
under State Sector plan schemes of the year 2017-18
a Name of the scheme and year of
introduction
Direction & Administration- 125-
Modernisation, 2007-08
b Budget head 2425-00-001-0-01-125
c If Plan, the Central and State share is 0:100
d Objective of the Programme/
Project/ Scheme
Modernization of the offices,
computerization, development of
software, Digitization of office records
and providing Photocopiers, Fax
machines, Computers - peripherals and
stationery for office use.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Establishing fully equipped offices with
latest technology for better
communication and effective
administration, which in turn will enhance
the work efficiency of the staff of the
Department.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 15.00 - 20.00 - 20.00
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 15.00 - 5.98 - 20.00
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of
year 2016-17 (Specify date of audit/inspection and
the reference number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
5 2 4 U/S 13 Part-B IV/IIB PR AG(E &RSA) VS-1/h/2016-
17/28-29 dated21-10-2016
8
a Name of the scheme and year of
introduction
Technology & Human Resources
Development Fund, 2008-09
b Budget head 2425-00-004-0-01-59
c If Plan, the Central and State share
is
0:100
d Objective of the Programme/
Project/ Scheme
Improving the work efficiency of the
officers and staff of the Department by
imparting training programmes on various
sectors.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Qualitative training on Departmental
programmes and Human Resource
Development (H.R.D) will result in
delivering high quality service to the
concerned co-operative institutions and
public at large which will ultimately
result in the effective implementation of
Departmental schemes.
f) Financing:(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 5.00 - 10.00 - 20.00
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 4.85 - 10.00 - 20.00
h) Physical Achievements (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of
year 2016-17 (Specify date of audit/inspection and
the reference number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
394 332 715
9
a Name of the scheme and
year of introduction Co-operative Election Authority, 2013-
14
b Budget head 2425-00-004-0-03
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme
In view of the Constitution (97th
Amendment) Act, 2011, amendments to
the Karnataka Co-operative Societies Act,
1959 and Karnataka Souharda Societies
Act, 1997 has been made. An independent
Co-operative Election authority has been
established and Govt. is providing subsidy
to meet the administrative expenses of the
said Authority.
e Estimated benefit and
number of estimated
beneficiaries from the
programme/ project/ scheme
The Co-operative Election Authority is
vested with the superintendence, direction
and control of the preparation of the
electoral rolls and the conduct of, all
elections to the co-operative societies in
the State. This has ensured the conduct of
free and fair elections. Boards being
established and the governance of these
societies by the elected Office bearers.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 200.00 - 300.00 - 232.12
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 184.32 210.54 - 228.67
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of year 2016-17 (Specify date of
audit/inspection and the reference number of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
1 1 1 U/S 15 Part-II SEC-B PR AG(E &RSA) VS-1/h/2016-17/28-29 dated21-10-2016
10
a Name of the scheme and year of
introduction
Interest Subsidy to enable Crop
Loans, 2004-05
b Budget head 2425-00-107-2-41
c If Plan, the Central and State share is 0:100
d Objective of the Programme/ Project/
Scheme
Reduction in the rate of interest on
short term agricultural loans to
0% and on Medium term and
Long term agricultural loans to
3% and as a consequence of the
same the loss to the co-operative
institutions is reimbursed by way
of interest subsidy as per the
commitment of the Govt.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Strengthen the credit delivery
system to the farmers and make
available easy credit at
concessional rates.
f) Financing :( Rs in lakhs):
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue 1 2 3 4 5 6 - 75454.25 - 89086.85 - 81680.00
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue 1 2 3 4 5 6 - 75454.25 - 88046.54 - 81680.00
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of year 2016-17 (Specify date of
audit/inspection and the reference number of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
1972744 2258290 2023979 U/S 15 Part-II Sec( A-)1 PR AG(E &RSA)
VS-1/h/2016-17/28-29 dated21-10-2016
11
a Name of the scheme and year of
introduction
Interest subvention for loans to
self help groups (SHG’s), 2007-08
b Budget head 2425-00-107-2-41
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme
Reduction in the rate of interest on
loans to Women SHGs at 0% and
other SHGs at
4% and as a consequence of the
same the loss to the co-operative
institutions is reimbursed by way of
interest subsidy as per the firm
commitment of the Govt.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Providing accessible credit through
formal financial institutions to
members belonging to socially and
economically backward sections of
the society, in particular women.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 6262.75 - 2127.13 3200.00
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 6262.75 - 2089.50 - 3200.00
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of year 2016-17 (Specify date of audit/inspection and the reference number of the Report: Specify, if no audit or inspection was carried out)/
1 2 3 4
157780 75611 179320 --
*an amount of Rs.200.00lakhs under this scheme is transferred to SHG
revolving fund.
12
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 240.00 - 100.00 -
g) Expenditure : (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 2.08 -
* In the year 2016-17 an amount of Rs 97.92 lakhs has been
reappropriated to interest subsidy to crop loans
h) Physical Achievements :(Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date
of audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
- 44 --
a Name of the scheme and
year of introduction
Inland Fisheries- Short term loans
through co-operative banks, 2015-16
b Budget head 2425-00-107-02-41
c If Plan, the Central and
State share is
0:100
d Objective of the
Programme/ Project/
Scheme
To bring in blue revolution in inland
fisheries – short term loan up to Rs.1 lakh
at 0% interest will be provided to inland
fish farmers in the state through
cooperative banks.
e Estimated benefit and
number of estimated
beneficiaries from the
programme/project/ scheme
Strengthen the credit delivery system to the
inland fish farmers and make available
easy credit at concessional rates.
13
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 1560.00 - 300.00 - 100.00
g) Expenditure : (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 2.45 - 100.00
* In the year 2016-17 an amount of Rs 297.55 lakhs has been
reappropriated to interest subsidy to crop loans
h) Physical Achievements (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no audit
or inspection was carried out)/
1 2 3 4
- 53 2124 --
a Name of the scheme and year
of introduction
PashuBhagya- Short term loans through
co-operative Banks, 2015-16
b Budget head 2425-00-107-02-41
c If Plan, the Central and State
share is
0:100
Objective of the Programme/
Project/ Scheme
In Pashu-bhagya scheme, short term loans
upto Rs.50000 at O % interest will be
provided through cooperative banks on the
lines of short term agriculture loans for
providing cattle feed and other maintenance
expenditure.
e Estimated benefit and
number of estimated
beneficiaries from the
programme/project/ scheme
Providing cattle feed and other maintenance
expenditure make available easy credit at 0
% interest rate.
14
a Name of the scheme and year of
introduction
Loan waiver, 2017-18
b Budget head 2425-00-107-2-56
6425-00-107-5-10
c If Plan, the Central and State share is 0:100
d Objective of the Programme/ Project/
Scheme/
Under the scheme, the crop loan
principal upto Rs.50000/- is waived
off to those farmers who have
availed crop loan from co-operative
institutions
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Relieve the farmers of their loan
burden who have suffered on
account of drought in the State.
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 1913.00 - - - 390798.86
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 1727.42 - - - 390798.86
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
8122 - 837931
15
a
Name of the scheme and year of
introduction
Establishment of Marketing
Infrastructure to LAMPS Federation,
2004-05
b Budget head 2425-00-108-0-39
c If Plan, the Central and State
share is
0:100
d
Objective of the Programme/
Project/ Scheme/
To provide assistance for infrastructure
facilities such as Computers, FAX
machines, Telephone, Transport vehicles
etc to LAMPS Federation and LAMPS
Societies. Also provide financial
assistance for construction of
godowns/building.
e
Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Assist the members of LAMP societies in
marketing their minor forest produce
through efficient means and as a
consequence of which, the members &
societies thereby are economically
benefitted.
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 50.00 - 100.00 - 100.00
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 50.00 - 100.00 - 100.00
h) Physical Achievements (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
4 5 9
16
a
Name of the scheme and year of
introduction
Yeshasvini, (Rural and Urban)
2003-04 , 2014-15
b Budget head 2425-00-108-0-57
c If Plan, the Central and State share is 0:100
d
Objective of the Programme/ Project/
Scheme/
To provide quality health care and
improve the living standards of
cooperative members, thereby
ensuring overall health and welfare of
the co-operative members
e
Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Free medical treatment for 823 types
of surgeries to the rural cooperators
through 722 network hospitals.
Improvement in health conditions,
financial position and living
standards of the members.
f) Financing:(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 9901.00(R)
1100.00(U)
- 17042.72 - 19079.14
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 10115.15(R)
841.00(U)
- 17042.72 - 19079.14
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
157386(R)
11559 (U) 194129 144232
U/S 15 (1) Part-B IV/IIB PR AG(E &RSA)
VS-1/h/2016-17/28-29 dated21-10-2016
17
a Name of the scheme and year
of introduction
Enrolment of BPL/SC/ST/ Backward Class/
Minority/ Women/ physically challenged
persons as members of all types of
Cooperatives, 2015-16
b Budget head 2425-00-108-0-58
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme
The Scheme aims at enrolling people belonging to
BPL/SC/ST/BC/Minorities/women/Physically
challenged as members in all types of co-operative
societies, thereby enabling them to obtain the
facilities made available by a co-operative society.
e Estimated benefit and number
of estimated beneficiaries
from the programme/project/
scheme
Economically weaker sections of the society
belonging to BPL /SC /ST /BC/ Minorities
/women /Physically challenged will be able to get
the facilities made available by the respective co-
operative societies which will uplift them socially/
financially.
f) Financing:(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 3200.00 - 800.00 - 681.00
g) Expenditure : (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 3200.00 - 800.00 - 681.00
h) Physical Achievements (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2015-16 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
788919 189074 152186 --
18
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 11.00 - 11.00 - 15.00
g) Expenditure : (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 11.00 - 11.00 - 15.00
h) Physical Achievements :(Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2015-16 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
10 9 13 --
a Name of the scheme and
year of introduction
Financial assistance to SC/ ST/ BC/ Minorities
Cooperative Societies, 2009-10
b Budget head 2425-00-108-0-62
c If Plan, the Central and
State share is/
0:100
Objective of the
Programme/ Project/
Scheme
To provide financial assistance to create
infrastructure and assets to Cooperative Societies
belonging to SC/ ST/ Backward Class/ Minority
members.
e Estimated benefit and
number of estimated
beneficiaries from the
programme/project/
scheme
With better infrastructure the beneficiary
societies will be able to increase their business
and thereby achieve their objectives.
19
a Name of the scheme and year of
introduction
Financial assistance in the form of
Share Capital to the financially weak
Consumers, Marketing and Processing
Co-operative societies, 2012-13
b Budget head/ 4425-00-108-0-57-100
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme/
To provide financial assistance in the form
of Share Capital to the financially weak
Consumers, Marketing and Processing
Co-operative societies to achieve their
objectives.
e Estimated benefit and number
of estimated beneficiaries from
the programme/ project/ scheme
The assisted societies will increase their
Share capital/ own funds and improve
their business activities; helping them to
achieve financial stability.
f) Financing :( Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
140.00 - 100.00 - 100.00 -
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
140.00 - 100.00 - 100.00 -
h) Physical Achievements : (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2015-16 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
14 10 10 --
20
a Name of the scheme and year of
introduction
Loans to Karnataka State Co-operative
Agricultural and Rural Development
Bank Ltd. 2014-15
b Budget head
6416-00-190-1-01-395
c If Plan, the Central and State share
is
0:100
d Objective of the Programme/
Project/ Scheme
Meet the Govt. of Karnataka‟s share of 4-
5% for extending term loans to KSCARD
Bank Ltd. for onward lending to PCARD
Banks.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
To enable KSCARD Bank to avail
refinance facility from NABARD,
thereby the farmers will get long term
loans at reasonable rates of interest. This
results in improving their financial
position and living standard.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
500.00 - 500.00 - 500.00 -
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
500.00 - 500.00 - 500.00 -
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2015-16 (Specify date
of audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
1200 1,200 1,200
21
a
Name of the scheme and year of
introduction
Construction and Maintenance of
PCARD, TAPCMS and Primary
Agricultural Co-op Societies, 2013-14
b Budget head 2425-00-108-0-70-100
c If Plan, the Central and State
share is
0:100
d
Objective of the Programme/
Project/ Scheme
This is a scheme being implemented
from the year 2013-14. Aims at
providing financial assistance for
construction of new buildings and repair/
maintenance of existing buildings of
PCARD Banks, Taluk Agricultural
Produce Co-operative Marketing
Societies and Primary Agricultural Co-
op Societies.
e
Estimated benefit and number of
estimated beneficiaries from the
programme/ project/ scheme
Construction of new buildings and
repair/ maintenance of existing buildings
of the co-operative societies will help in
the creation of desirable quality assets to
the society.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 2424.00 - 1001.00 - 125.00
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 2424.00 - 1000.00 - 125.00
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number of
the Report: Specify, if no audit or inspection
was carried out)/
1 2 3 4
377 108 13
22
a
Name of the scheme and year
of introduction
Financial Assistance for Construction of
training centres of Karnataka State
Cooperative Federation 2014-15
b Budget head 4425-00-108-0-73-059
c
If Plan, the Central and State
share is
0:100
d
Objective of the Programme/
Project/ Scheme
Construction of 3 training centers at
Belgaum, Dharwad, Bangalore under the
administration of Karnataka State
Cooperative Federation.
e
Estimated benefit and number
of estimated beneficiaries
from the programme/ project/
scheme
The construction of modernized training
centers will help in imparting effective
training to the co-operators/ employees of
co-operative societies.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
60.00 - - -
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
60.00 - - -
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
1
23
a
Name of the scheme and year of
introduction
Computerisation of PACS and SHG,
2014-15
b Budget head 2425-00-004-0-01
c If Plan, the Central and State
share is 0:100
d
Objective of the Programme/
Project/ Scheme
Development and implementation of a
common software solution in the
Primary Agricultural Co-operative
Societies (PACS) and SHGs in the State
thereby computerising their day to day
business and financial transactions.
e
Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
Computerising PACS and SHGs will
help in accurate preparation of interest
subsidy claim bills from the Govt.,
maintenance of data and effective
reporting of MIS.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 245.00 - 500.00 - 200.00
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 1.40 - - - - * An amount of Rs 200.00 lakhs has been reappropriated to SHG revolving fund.
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/ Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
- - - -
24
a
Name of the scheme and year
of introduction
Financial assistance to buy cleaning
and grading equipments to Primary
Agricultural Credit Co-operative
Societies,2015-16
b Budget head 2425-00-001-0-01
c If Plan, the Central and State
share is 0:100
d
Objective of the Programme/
Project/ Scheme
Provide cleaning and grading
equipments at the first stage to the
Primary Agricultural Credit Co-
operative Societies to enable primary
value addition, cleaning and
categorization of agricultural produce
and thereby assist the farmers.
e
Estimated benefit and number
of estimated beneficiaries from
the programme/project/ scheme
Will enhance the quality of
agricultural produce and due to the
value addition the farmers will be able
to obtain a good price for their
produce. [
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 300.00 - - - -
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 201.98 - - - -
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/ Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
187 - -
25
a
Name of the scheme and year
of introduction
Construction of godowns for Primary
Agricultural Credit Cooperative
Societies under PPP model, 2015-16
b Budget head 2425-00-001-0-01
c If Plan, the Central and State
share is
0:100
d
Objective of the Programme/
Project/ Scheme
Construction of godowns in those Primary
Agricultural Credit Cooperative Societies
which do not have godowns, with the
participation of public and private sector.
e
Estimated benefit and number
of estimated beneficiaries from
the programme/ project/
scheme
The godowns will increase the storage
capacity and thus assist in storing the
agricultural produce of the farmers in a
scientific manner.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 500.00 - 80.00 - -
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 500.00 - 80.00 - -
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/ Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number of
the Report: Specify, if no audit or inspection
was carried out)/
1 2 3 4
115 18 - --
26
a
Name of the scheme and year
of introduction
Loan waiver-Failed bore wells/wells
2015-16
b Budget head/ 2425-00-107-2-46
c If Plan, the Central and State
share is
0:100
d
Objective of the Programme/
Project/ Scheme/
Waive off the overdue loans of failed
bore well/well out of the loans disbursed
for drilling of bore wells for agricultural
purposes through PCARD Banks.
e
Estimated benefit and number
of estimated beneficiaries
from the programme/project/
scheme
Waiving off the long overdue loans
outstanding will enable the farmers to
avail fresh loans for agricultural
purposes at concessional rate of interest.
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capit
al
Reven
ue
1 2 3 4 5 6
- 200.00 - 263.64 - 901.00
g) Expenditure (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 200.00 - 263.64 - 901.00
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)/
1 2 3 4
831 1431 3191 -
27
a Name of the scheme and year of
introduction
Loans to weak DCC Banks ,
2015-16
b Budget head/
6425-00-107-5-09
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme
Extend financial assistance in the form
of loans to weak District Central Co-
operative Banks and help these banks in
their revival.
e Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
The assistance will help in meeting the
loan requirement of the famers of the
concerned districts.
f) Financing:(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 500.00 - - -
g) Expenditure : (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- 500.00 - -
h) Physical Achievements : (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference
number of the Report: Specify, if no audit
or inspection was carried out)/
1 2 3 4
1 -
28
a
Name of the scheme and year of
introduction
Share capital assistance to
Karnataka State Industrial Co-
operative Bank, 2015-16
b Budget head 4860-04-190-5-01
c If Plan, the Central and State
share is 0:100
d
Objective of the Programme/
Project/ Scheme
Sanction of additional share capital to
Karnataka State Industrial Co-operative
Bank for its revival.
e
Estimated benefit and number of
estimated beneficiaries from the
programme/project/ scheme
The financial assistance in the form of
share capital will assist in the revival of
the said Bank.
f) Financing :(Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
1000.00 - - - - -
g) Expenditure: (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
1000.00 - - - - -
h) Physical Achievements: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/ Inspection
findings of year 2016-17 (Specify date
of audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
1 - -
29
a Name of the scheme and
year of introduction
Interest waiver scheme for defaulters loan,
2016-17
b Budget head 2425-00-107 2-54
c If Plan, the Central and
State share is/
0:100
d Objective of the Program/
Project/ Scheme
The objective of the scheme is to waive of the
interest on all types of Overdue Agricultural
loans as on 30-9-2015, provided that the
farmers pay the principal amount within 31-
03-2017.
e Estimated benefit and
number of estimated
beneficiaries from the
program/project/ scheme
This scheme will enable fresh lending of short
term agriculture loans to such farmers and
help them in their agricultural activities
f) Financing: (Rs. In lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 12632.71 - 5000.00
g) Expenditure: (Rs. in lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 12469.71 - 5000.00
h) Physical Achievement (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/ Inspection
findings of year 2016-17 (Specify date
of audit/inspection and the reference
number of the Report: Specify, if no
audit or inspection was carried out)/
1 2 3 4
- 72583 28400 -
30
a Name of the scheme and year of
introduction
Fisheries Loan waiver,2016-17
b Budget head 2425-00-107 2-54
c If Plan, the Central and State share is/ 0:100
d Objective of the Program/ Project/
Scheme
The objective of the scheme to
waive off the outstanding loans
along with interest availed by
Karnataka State Fisheries
Federation and Co-operative
Societies under 1st and 2 nd Stage
of NCDC Scheme for inland
fisheries.
e Estimated benefit and number of
estimated beneficiaries from the
program/project/ scheme
This will benefit 1 federation, 4
societies and 44 fishermen
members and enable to avail fresh
loans.
f) Financing: (Rs. In lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 479.03 - -
g) Expenditure: (Rs. in lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 439.49 - -
h) Physical Achievement (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection findings of
year 2015-16 (Specify date of audit/inspection and
the reference number of the Report: Specify, if no
audit or inspection was carried out)
1 2 3 4
- 43 -
1 Federation, 4 Societies, 43 beneficiaries
31
a Name of the scheme and year of
introduction
Special grants to primary Agricultural
Cooperative Society.(Kanaginahala)2016-17
b Budget head 2425-00-107-2-55
c If Plan, the Central and State
share is/
0:100
d Objective of the Program/
Project/ Scheme
To rejuvenate strengthen agricultural co-
operative society in kanaginahala of gadag
district.
e Estimated benefit and number of
estimated beneficiaries from the
program/project/ scheme
To rejuvenate strengthen agricultural co-
operative society in kanaginahala of gadag
district.
f) Financing: (Rs. In lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 100.00 - 1.00
g) Expenditure: (Rs. in lakhs)
Actual / Accounts2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 100.00 - -
h) Physical Achievement (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)
1 2 3 4
- 1 - -
32
a Name of the scheme and year
of introduction
Differential Share amount of SC/ST
Beneficiaries 2016-17
b Budget head 2425-00-108-0-58
c If Plan, the Central and State
share is
0:100
d Objective of the Programme/
Project/ Scheme
The Government had taken decision to compensate
the unpaid share amount in respect of SC/ST
members to make them eligible for voting in the
elections of Cooperative societies held during the
year 2015-16, the demand of which had arisen on
account of the hike in the share capital owing to the
amendments to the byelaws of the cooperative
societies The differential share amount in respect of
the SC/ST members which was deemed to have been
paid has been reimbursed to such co-operative
societies.
e Estimated benefit and number
of estimated beneficiaries from
the programme /project/
scheme
SC/ST Members of the society will get the
voting rights.
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 1003.00 -
g) Expenditure (Rs in lakhs)
Actual / Accounts 2015-16 Actual / Accounts 2016-17 BE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - - 962.62 -
h) Physical Achievement: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number of
the Report: Specify, if no audit or inspection
was carried out)
1 2 3 4
- 3,00246 - -
33
a Name of the scheme and
year of introduction
Share capital Assistance to Raichur and
Davangere DCC Bank.2016-17
b Budget head 4425-00-107-0-15
4425-00-107-0-16
c If Plan, the Central and
State share is
0:100
d Objective of the
Programme/ Project/
Scheme
Extend financial assistance in the form of share
capital to Raichur and Davangere District Central
Co-operative Banks and help these banks in their
revival.
e Estimated benefit and
number of estimated
beneficiaries from the
programme/project/
scheme
The share capital assistance will help in meeting the
loan requirement of the famers of the concerned
districts.
f) Financing (Rs in lakhs) :
Actual / Accounts 2015-16 Actual / Accounts 2016-17 RE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - 600.00 - - -
g) Expenditure (Rs in lakhs)
:Actual / Accounts 2015-16 Actual / Accounts 2016-17 BE 2017-18
Capital Revenue Capital Revenue Capital Revenue
1 2 3 4 5 6
- - 600.00 - - -
h) Physical Achievement: (Units----)
2015-16 2016-17 2017-18
Two key Audit observations/Inspection
findings of year 2016-17 (Specify date of
audit/inspection and the reference number
of the Report: Specify, if no audit or
inspection was carried out)
1 2 3 4
- 2 - -
34
Sources of Income of the Department:
Since the Department of Co-operation is considered as a
"Development Department", the sources of income of the Department
are not many and the progress made during the last two years are
shown as under.
Receipts year wise
(Rs. in lakhs)
Sl.
N0. Particulars
2016-17
2017-2018 (As at end of
Dec-18)
1. Interest from Co-operatives 262.18 211.39
2. Dividend credited by Coops 155.52 101.25
3. Copying charges 9.55 8.10
4. Execution fee 482.29 156.93
5. Fees under M.L. 192.08 346.54
6. Fee under Chit Fund rules 93.34 109.50
7.
Registration fees of co-operative
societies/Societies and Amendment
of Bye-law fees
1,035.25
1,224.10
8. ABN fees & other items 273.66 80.94
9. Registration fee under Souharda 16.28 9.89
10. Fee collected under K.P.M.R Act. 22.35 16.43
11. Fee collected under KACOMP Act 43.59 36.23
12. Leave Salary Contribution 0.05 0.14
13.
Assistance from NCDC towards
Expenditure on schemes sponsored
by them
1.44
0.35
14. Cost of Staff under Rule 441 108.98 38.77
15.
Fee paid to receive Certified Copies
under Karnataka Co-operative
Societies Rules-1960
4.60
1.00
Total 2,701.16
2,341.56
35
Souharda Co-operatives:-
As on 31-3-2018 there are 4302 souharda societies registered under
Souhardha Act 1997, the break up of which are as below:-
1. Souharda Urban co-op Banks : 18
2. Credit Souharda co-op : 2,680
3. Multi Purpose souharda : 1,306
4. Others : 298
------------
Total: 4,302
Cooperatives undertaking e-stamping business: 1123
Money Lenders/Pawn Brokers/Chit Funds :-
As on 31-3-2018 there are 16,555 money lenders/ financial
institutions, 8274 pawn brokers functioning in the State and the licence
fee paid by these institutions during the year 2017-18 is Rs.135.00
lakhs. In accordance with Section 28 of the Karnataka Money Lenders
Act, 1961 the Government Notification dtd.28-8-2003 specifies the
maximum rate of interest to be levied by the above institutions i.e 14%
for secured loans and 16% for unsecured loans per annum. As on
31-3-2018, 1713 Chit companies are functioning in the State. A sum of
Rs.99.93 lakhs has been remitted as fees to the Government during the
year 2017-18.
ENQUIRY AND INSPECTION:
Enquiries under section 64 of KCS Act 1959:
As on 31-3-2018, 95 enquiries were pending and during the
period 1-4-2017 to 31-3-2018, 61 fresh enquiries were ordered. Out of
the total 156 enquiries ordered, 55 enquiries were completed and 101
enquiries are pending. Of which 73 are pending for less than one year
and 28 are pending for more than a year.
Inspection under section 65 of KCS Act 1959:
As on 31-3-2018, 40 inspections were pending and during the
period 1-4-2017 to 31-3-2018. 73 inspections were newly ordered.
Out of total 113 inspections, 70 inspections have been completed and
43 inspection are pending , of which, 21 are pending for less than
one year and 22 are pending more than a year.
36
Agricultural Co-operative Credit Structure
In the short term credit structure, out of 5,546 PACS in the
State 5,355 PACS are functioning. In addition to this, there are 21
District Cooperative Central Banks (DCCB) with 716 branches.
Karnataka State Co-operative Apex Bank is functioning as State level
financial institution.
Karnataka State Co-operative Agriculture and Rural
Development Bank (KSCARD) at the State level and 177 Primary
Cooperative Agriculture and Rural Development Banks at the taluk
level cater to the long term credit needs in the two tier credit delivery
system.
The National bank for Agriculture and Rural Development
(NABARD) provides refinance to the Apex bank and KSCARD Bank
on the loans disbursed by them.
Agricultural loan disbursement and Kissan credit cards
Agricultural Loans disbursement from 01-04-2017 to 31-03-2018
( Rs in crores)
S.
No Particulars Number Amount
Out of which Loans
for New members
Out of which Loans
to SC/ST members
No. Amt No. Amt
1 Short term loan 2039201 10571.88 156636 730.54 271196 1222.84
2 Medium term loan 58371 848.73 58371 848.73 3198 46.21
3 Long term loan 6883 198.27 3283 32.86 284 13.18
Total 2104455 11618.88 218290 1612.13 274678 1282.23
37
The funds involved by various institutions in the Short term
agricultural loans disbursed through PACS are as follows:
Sl.No Name of the Institution Funds Involved
( Rs. In crores)
1 NABARD 3450.00
2 APEX Bank 3019.19
3 DCC Banks 3851.62
4 PACS Own funds 53.77
5 Commercial Bank 197.30
Total 10,571.88
38
Performance of Short Term, Medium Term and Long Term credit
structure in Karnataka from 2015-16 to 2017-18
( Rs.incrores)
Year
Short term Medium term Long term Total
Percenta
ge
(%)
Target Achieveme
nt
Target Achieve
ment
Target Achieve
ment
Target Achieve
ment
2015-16 10000.00 10235.63 400.00 373.79 238.00 262.50 10638.00
10871.92
102.19
2016-17 11000.00 10769.00 1000.00 692.78 600.00 440.41 12600.00 11902.19 94.46
2017-18 12000.00 10571.88 1000.00 848.73 500.00 198.27 13500.00 11618.88 86.06
During the year 2017-18, the short term (ST), medium term
(MT) and long term (LT) loans disbursed by the co-operative credit
system in the State was Rs.10571.88 crores, Rs. 848.73 crores and
Rs.198.27crores respectively, thereby achieving progress of 86.06% as
against the annual target.
The scheme of disbursing loans to the farmers through Kissan
Credit Cards was started from the year 1997-98. As on 31-03-2018,
2227506 KCC cards has been distributed of which 21,08,944 KCC
cards holders are covered under Personnel accident insurance scheme.
39
Recovery of loans:
The comparative position of recovery of short, medium and
long term loans under the cooperative credit system in the state for the
years from 2015-16 to 2017-18 is presented in the following table.
(Rs.in crores)
I. Interest subsidy on Agricultural Loans disbursed at 0 & 3%:
The scheme of advancing agricultural short, medium and long
term loans to the farmers at the rate of interest of 3% through
Cooperative Credit Institutions has been implemented from
01.04.2008. The interest rate on loans upto Rs.3 lakhs has been
reduced to 1% during 2011-12. Since 01.04.2012 the interest rate on
loans disbursed uptoRs. 1 lakh is reduced to 0% and on entire loan
above Rs.1 lakhs upto Rs.3 lakhs at 1%. The differential rate of
interest is reimbursed by the Government to the Cooperative
Institutions by way of interest subsidy.
Year
Short term loan Medium term loan Long term loan
Demand Collection Balance
% of
Recy Demand Collection Balance
% of
Recy
Deman
d Collection Balance
% of
Recy
2015-16 9757.32 9594.06 163.26 98.33 210.18 182.18 28.00 86.68 590.69 218.58 372.11 37.00
2016-17 9954.19 9368.72 585.47 94.12 427.23 316.71 110.52 74.13 638.07 258.41 379.66 40.49
2017-18 10594.25 9647.08 947.17 91.06 539.54 424.30 115.24 78.64 852.33 429.71 422.62 50.42
40
During the year 2013-14 the interest rate on loans disbursed
upto Rs. 2 lakh has been reduced to 0% and the entire loan above Rs.2
lakhs upto Rs.3 lakhs is disbursed at the rate of 1%. Further during the
year 2014-15 the limit of agricultural loans disbursed at 0% has been
increased to Rs.3 lakhs, which was continued in the year 2017-18.
In the year 2017-18, Rs. 81680.00 lakhs was provided for
implementation of this scheme. The Government has released Rs.
81680.00 lakhs and the entire amount is released through DCC Banks
towards the claims of 2023979 beneficiaries.
During the said period, out of the amount released Rs.4766.00
lakhs was spent under the special component plan towards the claims
of 182008 SC beneficiaries and Rs. 3566.00 lakhs was spent under the
Tribal Sub-Plan towards the claims of 122603 ST beneficiary
members.
Budget allocation in the said scheme during the last 3 years
(Rs. in lakhs)
Sl.
No. Year
Budget
allocation
Funds released
by Gok
Out of which
SCP TSP
1 2015-16 75454.25 75454.25 3669.50 3287.00
2 2016-17 89124.47 88046.54 5199.89 3234.95
3 2017-18 81680.00 81680.00 4766.00 3566.00
II. Loan Waiver -2012 Scheme
As the farmers were faced distress situation due to the
occurrence of continuous drought for the last 3 years, Gok has
announced loan waiver up to Rs.50000 for the farmers who have crop
loan outstanding as on 20-6-2017 in cooperative societies.The loan
waiver will come to the effect on due date of repayment and bills has
to be submitted based on the due dates. This scheme will benefit
2227506 farmers with Rs.8165.00 crore of loan waiver amount.
During the year 2017-18, govt has released Rs.4971.99 cr for 12.80
lakhs farmers.
41
III. Formation, Fresh Finance and Repeat Finance of Self help
groups
(Rs.in crores)
Year
Group Formation Fresh Finance
Target Achievement Target Achievement
No Amt No Amt
2015-16 6000 11442 11723 111.75 9361 102.47
2016-17 12000 11419 12000 130.00 8834 169.44
2017-18 12000 23862 9500 184.00 13689 418.67
(Rs. Crores)
Year
Repeat Finance Total Loans
Target Achievement Target Achievement
No Amt No Amt No Amt No Amt
2015-16 28277 598.25 24568 521.82 40000 710.00 33929 624.29
2016-17 32000 630.00 24046 547.12 44000 760.00 32880 716.56
2017-18 26500 606.00 25083 682.75 36001 790.00 38772 1101.92
42
Interest subsidy to Self Help Groups :-
The scheme of advancing loans at interest rate of 4% through
primary agricultural credit societies to Self Help groups (SHGs) in
Karnataka has been implemented from 01.04.2007. The differential
rate of interest is being reimbursed as interest subsidy by the
Government to the co-operative societies. Interest subsidy at the rate
of 8.25% and 7.5% to PACS and DCC Banks respectively has been
provided on loans disbursed during the year 2013-14. Budget
allocation of Rs.6262.75lakhs has been provided for the year 2015-16
and the entire provision has been released as interest subsidy to the co-
operative institutions. Rs.2089.50 lakhs loan has been disbursed to
75611 SHGs for the year 2016-17.
In the year 2017-18, Women SHG groups have been
disbursing loans at 0% up to Rs. 5 lakh during the year 2017-18 Rs.
1101.92 Crore of loan has been disbursed to 38772 SHG groups & Rs.
32.00 crore of interest subsidy has been released.
Budget allocation during last 3 years in the above scheme
(Rs in lakhs)
Sl. No Year Budget allocation Funds released by
Govt
1 2015-16 6262.75 6262.75
2 2016-17 2089.50 2089.50
3 2017-18 3200.00 3200.00
IV. Construction and maintenance of PCARD Banks, TAPCMS
and Primary Agricultural Credit Co-Op Societies
Under the said Scheme, Rs.3 crores has been released to 26 co-
operative societies in the year 2013-14 and Rs.5.25 crores is released
to 96 co-operative societies during the year 2014-15. Further Rs.24.24
crores has been released for the construction of new building and
maintenance of the existing building of 407 PCARD Banks, TAPCMS
and Primary Agricultural Credit Co-Op Societies during the year
2015-16.During the year 2016-17 Rs.10.00 crores is released to 108
co-operative societies.
In the year of 2017-18, Rs. 125.00 lakhs has been released to 13 co-
operative societies.
43
V. Scheme for providing assistance to Primary Agricultural credit
cooperative societies for construction of godown
Under the said Scheme, Rs.5.00 crores has been released for
115 Primary Agricultural credit cooperative societies to construct their
own minimum 100 tonnes capacity godowns involving financial
contribution in the ratio of 70:30 from PACS and the Government. For
18 cooperative societies Rs 80.00 lakhs has been released for the year
2016-17.
VI. Scheme for providing assistance to Primary Agricultural
credit cooperative societies for purchase of agricultural cleaning
and grading machines
Under the said Scheme, Rs.2.02 crores has been released to
187 PACS to purchase of cleaning and grading machines, thereby
providing better marketing facility to members of the PACS.
In order to give relief to farmers suffering due to severe
drought during 2015-16 and 2016-17, Govt has announced
two schemes to help the farmers in reducing tier financial
burden.
VII. Interest waiver Scheme on Postponement of Installments of
Medium and Long term Agricultural loan for one year
Under the said scheme, Government has accorded sanction for
the postponement of the re-payment of regular medium-term and long-
term agricultural loan installments by one-year for agricultural loans
which were disbursed after 2004 and the installments of these loans
fall due during the year 2015-16 by the farmers to the cooperative
banks. During the year 2016-17 Rs. 45.08 crores has been released to
cooperative institutions on behalf of 2.05 lakhs farmers.
VIII. Interest waiver on Overdue ST,MT and LT Agricultural
loans:
Under the said scheme, Government has waived the interest
on Over due principal of Short term, Medium term and long term
Agricultural loans as on 30-9-2015 , provided that farmers repay the
principal amount within 31-03-2017.
44
During the year 2016-17 Rs. 124.69 crores has been released to
cooperative institutions on behalf of 72583 farmers. During the year
2017-18 an amount of Rs 5000.00 lakhs is released to 28400 farmers.
IX Loan waiver of failed wells of farmers borrowed loan from
Primary Agricultural and Rural Development Banks.
Government has waived loans of 1046 farmers in Primary Agricultural
and Rural Development Banks, who have borrowed loans for the
purpose of digging wells and released an amount of Rs.263.64 lakhs
for this purpose.
X. Yeshasvini Co-Operative Farmers’ Health Care Scheme
Yeshasvini Co-operative Farmers‟ Health Care Scheme was
started in June 2003 and has completed 14 years. Ever since its
commencement; the scheme has been successfully implemented to
provide quality health care service to the under privileged members of
society.
Any member of a cooperative society who has completed 3
months of his admission as a member of cooperative society can enroll
himself and his family members under Yeshasvini scheme by paying
the annual contribution fixed by the Trust.
The Scheme is implemented for the members of Rural and
Urban Cooperative Societies and their families. The annual
contribution per person for general category members and their family
in respect of Rural co-operative societies is Rs.300/-. The SC/ST
members have to pay Rs. 50/- only and remaining amount of Rs. 250/-
is subsidized by the Govt.
From new born baby to a person in his lifetime can become a
member subject to the eligibility norms. The maximum limit of
treatment in Rural Yeshasvini borne per member is Rs. 1.25
lakhs for single admission & for multiple admissions is Rs.
2.00 lakhs in the same year.
The scheme is only a surgical health care scheme and provides
823 surgical procedures through empanelled Network
Hospitals.
45
The Yeshasvini Scheme was also extended to the members of
Urban Co-operatives from 1st June, 2014. Under the Urban
Yeshasvini Scheme the general category members have to pay
annual contribution of Rs. 710/-; and SC/ST members have to
pay Rs. 110/- only and the remaining amount of Rs.600/- is
subsidized by the Govt.
Under Urban Yeshasvini the maximum limit of treatment per
person for single admission is Rs. 1.75 lakhs and for multiple
admission is Rs. 2.50 lakhs in the same year.
The scheme provides the following medical benefits to its
members.
1. The outpatient consultations at discounted rates.
2. Clinical investigations at discounted rates.
3. Treatment including dog bite, electrical shock, snakebite, bull
gore, drowning, accidental wounds by agricultural implements,
Ortho surgeries & hip replacement, general delivery & new
born baby care treatment in Network Hospitals with general
ward facility.
Besides providing facilities under Yeshasvini scheme to
cooperative farmers‟, weavers‟, fishermen and their families, the
scheme is also extended to family members of self help groups
organised by cooperatives and self help groups doing transactions with
cooperative societies and cooperative Banks.
As on March 2018, 39.64 lakhs members had enrolled under
the scheme, out of these 1.89 lakh members have undergone surgical
treatment at the cost of Rs 308.88 crores and 3.40 lakh members have
been provided outpatient treatment. The Govt. has provided
Rs.190.79crores released for the implementation of this during the
year 2017-18.
***********
46
Chapter III :-
Performance of the State level cooperative Federations :
1. Karnataka State Co-operative Apex Bank Ltd., Bangalore
The Karnataka State Co-operative Apex Bank, established in
1915 is earning profit since inception. As on 31-03-2018 the bank has
own funds of Rs. 1070.39 crores, working capital of Rs.17034.34
crores and deposits of Rs. 9151.42 crores.
2. Karnataka State Co-operative Agricultural & Rural
Development Bank Ltd.,
The Karnataka State Co-operative Agriculture and Rural
Development Bank raises resources for meeting its objectives by way
of direct loan from NABARD. As on 31-03-2018 the Bank has share
capital of Rs.73.10 crores, of which the Government‟s share is Rs.4.45
crore and has a working capital of Rs.2188.08 crores (tentative).
3. Urban Co-operative Banks
Urban Co-operative cater to the needs of non agricultural
credit. The Urban Co-operative Banking Sector in the State has
achieved good progress in the Banking Sector and has acquired third
place in the country. As on 31-03-2018 there are 266 Urban Co-
operative Banks which are functioning with a membership of 35.28
lakhs members, Rs.1288.56 crores of share capital and working capital
of Rs.61627.88 crores, deposits 37551.68 with 1063 working
branches.
4. Women Urban Co-operative Banks
Among the above Urban Co-operative Banks, there are 24
banks organized exclusively by women which are functioning. The
organization and development of women co-operative banks has
occupied the top place in the country.
47
5. The Karnataka State Co-operative Urban Banks
Federation Ltd., Bangalore.
The Karnataka State Co-operative Urban Banks Federation
registered during the year 1965 with Primary Urban Co-operative
Banks as its members, is providing institutional assistance to its
members. There are two Joint Registrars of Co-operative Societies
U/R 441 exclusively to hear disputes pertaining to Urban Banks.
6. Co-operative Marketing Societies
The co-operative marketing structure in the State functions under the
2-tier system. At the State level the Karnataka State Co-operative
Marketing Federation functions as the Apex Institution and the
Agricultural Produce and Marketing Co-operative societies function at
the taluk level.
(a) The Karnataka State Co-operative Marketing Federation Ltd.,
Bangalore
The Karnataka State Co-operative Marketing Federation was
registered on 11-11-1943 under the Karnataka co-operative societies
Act. In the initial years the Federation was involved in the distribution
of coffee seeds, sugar, clothes, cement and other consumer items. In the
subsequent years the Federation has involved itself in procuring and
distributing of agricultural inputs essential to the farmers such as
fertilizers and insecticides and also purchase of agricultural produce
from the farmers.
The major activities of the Federation are supplying fertilizers
and pesticides necessary to the farmers through co-operative societies,
under the minimum price support scheme of the Govt, and purchase of
agricultural produce from the farmers as per Market Intervention
Scheme and its own funds and construction of godowns in important
centers of the State and thereby providing storing facility for the
agricultural produce.
In order to ensure timely supply of fertilizers to the farmers, the
Government has implemented the Fertilizer Buffer
Stock Scheme from the year 2008-09 through the Karnataka State Co-
operative Marketing Federation.
The Federation has 483 co-operative societies as its members with
total share capital of Rs.682.63 lakhs and working capital of Rs.
48
121119.87 lakhs. During the year 2017-18 the turnover in respect of
sale of fertilizer is Rs.22658.22 lakhs and that of agricultural produce
purchase is Rs 242985.00 lakhs.
(b) Agricultural Produce Co-operative Marketing Societies
There are 179 Taluk Agriculture produce Co-operative Marketing
Societies working in the State. The area of operation of these societies
extends to a taluk and they function at the taluk headquarters. The
main objectives of these societies are to procure agricultural produce
from the farmers and enable marketing of these produce thereby
ensuring right price for the agricultural produce, construction of
godowns for storage of these agricultural produce, along with this
implementation of the food ration scheme of the Govt., distribution of
ration to hostels/ prisons and marketing of fertilizers, insecticides,
agricultural implements.
As at the end of 2017-18, these 180 co-operative societies have 4927
co-operative societies and 3,28,637 individuals as its members. The
total share capital is Rs 3663.89 lakhs, (of which Government Share
capital is Rs.2535.86 lakhs, it has working capital of Rs.70025.41lakhs
and business turnover is Rs. 136907.89 lakhs.
7. Processing Coopérative sector
For processing of agricultural and horticultural produce such as rice,
dal, oil, cotton, coffee, areca nut, fruits, processing units are
established in the Cooperative sector. The prominent areca marketing
and processing cooperative societies in the State are:-
1. Karnataka State Cooperative Arecanut Marketing Federation Ltd.,
Shimoga.
2. The Totagars Cooperative Sale Society Ltd., Sirsi
3. The Malnad Areca Marketing Cooperative Society Ltd.,Shimoga
4. The Areca Processing and Sales Cooperative Society Ltd., Sagar
5. Hassan Valaya Arecanut Growers Co-operative Society Ltd., Hassan.
6. Coffee Growers Cooperative Society Ltd., Kodagu
7. Mangalore Arecanut and Cocoa Marketing Processing Cooperative
Society Ltd., (CAMPCO (Registered under the Multistate Cooperative
Societies Act 1984)
8. COMARK Ltd., Hassan (Registered under the Multistate Cooperative
Societies Act 1984)
9. Rubber, Marketing and Processing Cooperative Society Ltd., Mangalore
(Registered under the Multistate Cooperative Societies Act 1984)
49
8. The Karnataka Cooperative Oil Seeds Grower's
Federation, Bangalore
The Federation has four members, viz, three regional oil seed
growers cooperative unions of Chitradurga, Hubli and Raichur and
NDDB. The regional unions have a total membership of 325 Oilseeds
growers Cooperative Societies with 1,17,149 farmers. As on 31-03-
2018, the Federation has share capital of Rs.179.12 lakhs and working
capital of Rs.3609.32 lakhs and business turnover during the year
2017-18 is Rs.19926.93 lakhs and has earned a net profit of
Rs.442.58 lakhs.
9. The Karnataka State Cooperative Horticulture Marketing
Federation Ltd., Bangalore.
The Federation was registered on 25-10-96. The main objective
of the Federation is to develop and encourage horticulture, supply of
horticulture inputs to the farmers, procurement and marketing of
produce, to avail better marketing facilities for the Horticulture
products like vegetables and fruits and to establish processing units
and also provide guidance to district level HOPCOMS for the
marketing inter district/inter state. As on 31-03-2018, the federation
has share capital of Rs.11.50 lakhs, working capital of Rs.678.40
lakhs and earned a net profit of Rs.12.50 lakhs .
10. Horticulture Producers Cooperative Marketing and
Processing Society Ltd., Bangalore (HOPCOMS)
Horticulture Producers Co-operative Marketing and Processing
Society Ltd., Bangalore (HOPCOMS) is registered in 1959 has at
present 2540 selling points and 07 procurement centres. It procures
horticultural produce from the growers at reasonable prices and
arranges for grading and marketing to the consumers at reasonable
prices. As on 31-03-2018, the society has 7124 members with share
capital of Rs.282.11 lakhs, working capital of Rs.479.81 lakhs and
earned a net profit of Rs.219.18 lakhs .
50
11. Consumer Co-operative sector
In the State, consumer co-operatives are working in 3 stages viz.,
1) The Karnataka State Co-operative Consumers Federation Ltd.,
Bangalore at the State level.
2) The District Central Co-operative Wholesale Stores at the
district level.
3) The Primary Consumer Co-operative Societies at the Primary
level.
a) The Karnataka State Co-operative Consumer's Federation
The Federation which was registered in the year 1964 has 27
members. It has 4 Janatha Bazaars at Bangalore and 6 Janata Bazaars
and 9 branches in other districts. For the year 2017-18 the Federation
has share capital of Rs. 112.03 lakhs, (of which Government Share
capital is Rs. 100.00 lakhs), it has Rs. 1739.68 lakhs of working
capital and the business turnover is Rs. 256.65 Crores. During the
year 2017-18 the Federation has earned a profit of Rs. 360.00 lakhs.
b) District Central Co-operative Wholesale stores
There are 26 working District Central Co-operative Wholesale
Stores in the Stateout of which 24 socities are functioning under profit
and 2 socities are under loss. Having 1,15,440 individual members and
3415 co operative societies members. All these Wholesale Stores
have share capital of Rs. 349.25 lakhs (of which Government Share
Capital is Rs. 150.36 lakhs) and Rs.3842.22 lakhs working capital.
The said stores have made a business turnover of Rs. 4289.72 lakhs
and have earned a profit of Rs. 209.82 lakhs and as on 31-03-2018
they have an accumulated loss of Rs. 158.79 lakhs.
c) Primary Consumers Cooperative Societies
There are 1262 Primary Consumers Co-operative Societies
working in the State having 418335 members. As on 31-03-2018,
these societies have a share capital of Rs. 1464.79 lakhs (of which
Government share capital of Rs. 136.64 lakhs) and working capital of
Rs.7377.27 lakhs. These co-operative societies have undertaken
controlled/ non-controlled business turnover of Rs.5977.92 lakhs and
have earned a profit of Rs.467.99 lakhs and as on 31-03-2018 the
accumulated loss is Rs.297.39 lakhs.
51
12. Karnataka State Co-operative Milk Federation Ltd.,
Karnataka Co-operative Milk Producers Federation Ltd.
(KMF), a co-operative apex body established in 1984, is implementing
dairy development activities since 3 decades in the entire State through
14 district cooperative milk unions in co-ordination with NDDB,
ushering prosperity in the lives of rural milk producers.
As at the end of March-2018, 15,827dairy co-operative
societies (DCS) have been organised covering 22,522villages of 172
taluks in the area of operation of 14 district cooperative milk unions,
of which 14,228 DCS are functioning and 96% of them are in profit.
There are 24.57 lakhs farmer members in these DCS, out of which
8.75lakhs are women members.
DCS are procuring milk from the member producers twice a
day throughout the year. The average milk procurement per day was
Rs70.81 lakh kgs during 2017-18. The surplus milk is converted into
milk products. The Federation occupies second position in the country
as far as milk procurement by co-operatives is concerned and occupies
the first position in South India.
23 dairies with a total processing capacity of 57.400 lakhs liters
per day, 44milk chilling centres with chilling capacity of 24.27lakhs
liters per day and 5milk powder plants with drying capacity of
148M.T. per day are functioning. During the year, 2017-18, an average
of 34.72lakh liters of milk per day was sold, of which an average of
19lakhs liters was marketed in Bangalore city alone.
To meet the demands of consumers, milk products like good
life, UHT Milk, curds, butter, ghee, flavoured milk (in 8 flavours),
mysorepak, nandiniburfi, rasgulla, badam powder, jamoon mix, yogurt
and basin laddu are produced and sold. In addition to these other
products like sweet curds, butter milk, ice cream and kunda are being
produced and sold under the brand name “Nandini”.
Karnataka State Co-operative Milk Producers Federation has
covered the entire State under dairy development and is paying higher
price to the milk producers. It is actively participating in Yashaswini
Farmers Health Scheme by enrolling more number of milk producers
under this Scheme. Nandini Sperm station has bagged the 2nd best A
52
grade semen station award in the country during the year 2005-06.
KMF is successfully implementing the Central Govt. Scheme, such as
RKVY, NPDD, and State Govt. scheme like Rs.5/- milk incentive,
&Ksheerabhagyayojane.
13. House building Co-operative Societies
Karnataka State Cooperative Housing Federation Ltd.,
Bangalore
The Karnataka State Co-operative Housing Federation Ltd.,
Bangalore was registered in the year 1950. The Federation has been
assisting the House Building Co-operative Societies by providing
loans for the construction/purchase of houses and developing layouts.
As on 31-03-2018 the Federation has got share capital of Rs.
522.83 Lakhs and working capital of Rs. 8532.45 Lakhs.
During the year 2076-18 the Federation has advanced loan of
Rs. 513.45 Lakhs to the House Building Co-operative Societies and to
the direct members, for construction of 91 houses. The percentage of
loan recovery against the demand for the year 2016-17 is 82%.
Number of House Building Co-op. Societies in the State at the end of
March 2018
Sl. No. Districts Working Defunct Liquidation Total
1 Bangalore 1 141 1 19 161
2 Bangalore 2 103 2 17 122
3 Bangalore 3 56 4 7 67
4 Bangalore 4 184 0 17 201
5 Bangalore Rural 10 0 8 18
6 Ramanagar 7 2 5 14
7 Tumkur 29 2 13 44
8 Kolar 11 0 14 25
9 Chikkaballapur 9 1 9 19
10 Chitradurga 9 0 10 19
53
Sl. No. Districts Working Defunct Liquidation Total
11 Davanagere 24 1 10 35
12 Shimoga 31 0 10 41
13 Mysore 250 3 16 269
14 Mandya 30 0 7 37
15 Chamarajanagar 5 0 2 7
16 Hassan 25 3 6 34
17 Kodagu 1 0 0 1
18 Mangalore 20 1 2 23
19 Udupi 8 0 1 9
20 Chickmagalur 10 0 1 11
21 Belgaum 74 6 22 102
22 Bijapur 23 2 26 51
23 Bagalkot 25 5 5 35
24 Dharwad 91 22 18 131
25 Gadag 24 0 5 29
26 Haveri 11 2 8 21
27 Karwar 14 0 4 18
28 Gulbarga 23 19 24 66
29 Raichur 17 15 6 38
30 Bidar 18 4 22 44
31 Bellary 20 3 14 37
32 Koppal 9 8 4 21
33 Yadgir 6 2 4 12
Total 1318
108
336
1762
54
Particulars about the functioning of House Building Co-Operative
Societies as on 31-03-2018
Sl.
No Details Number
1 No. of House Building Co-op. Societies in the State 1,762
2
Out of Total House Building Co-op. Societies a) Working b) Defunct c) Under Liquidation
1,318
108
336
3
Total membership in these societies
a) Members b) Associate Members
9,39,864
74,419
Total 10,14,283
4 Out of Which SC members Out of Which ST members
67,778
18,539
5
Share Capital (Rs. In lakhs)
a) From members b) From Government
5,626.63
5,615.71
10.92
6 Extent of Land acquired, purchased (acres) 22541.45
7 Total sites formed by the societies 3,11,275
8 Sites allotted to the members 2,91,762
9 Out of which the sites allotted to the members belonging to SC
25,279
10 Out of which the sites allotted to the members belonging to ST
5,872
14. Karnataka Co-operative Poultry Federation Ltd.,
Karnataka Co-operative Poultry Federation was established on
15-3-1995 and 122 Primary poultry co-operative societies have been
affiliated to the federation as members. The Federation has the
following objectives:
Organization of Primary Poultry Cooperative Societies
throughout the State in order to generate employment among
the educated rural unemployed youth.
Imparting modernized poultry training techniques under
extension activities and also encouraging consumption of egg
& poultry meat.
55
Poultry disease surveillance and control of diseases.
Rearing and Marketing of Giriraja Chicks.
Creating awareness among the public regarding Avian
Influenza and other emerging diseases through meetings,
seminars, workshops etc., by the State and District Level
Animal Disease Emergency Committee.
15. Other types of Cooperative Societies and Federations:
In the State there are various cooperatives like Women
Cooperative Societies, Labour Contract Cooperative Societies,
Electrical Cooperative Societies, Water Users Cooperative Societies,
Fisheries Cooperative Societies, Solar Cooperative Societies,
Education, Hospital, Transport, Tree Growers and Toddy Tappers
Cooperative Societies etc.,
16. Water Users Cooperative Societies:
There are 3221 Water Users Cooperative Societies registered in
the State of which 2863 societies are working.
17. Women Cooperative Societies :
In the State 6188 Women Cooperative Societies are registered
of which 5514 co-operative societies are functioning.
18. The Karnataka State Cooperative Women Federation Ltd.,
Bangalore:
The Karnataka State Cooperative Women Federation Ltd.,
Bangalore, was registered on 25-11-1992. It is a State Level
Cooperative Institution.
The main objectives of this Federation are as under:
i) Organization and Development of District, Block and Primary
Level Women Cooperative Societies.
ii) To improve the financial position of the members of the District
Women Cooperative Societies and to work for the women
empowerment both in educational and social spheres.
iii) To provide suitable marketing opportunities to the products
manufactured by women Cooperatives.
iv) To give wide publicity to the activities of the women cooperatives.
56
v) To conduct seminars, meetings and workshops for the members of
women cooperatives and to provide a forum for discussion on the
problems faced by the women cooperatives.
vi) To start working Women`s Hostel to provide accommodations for
working women.
Membership:
The membership of the State Women Cooperative Federation is
open to all District Level Women Multipurpose Cooperative Societies,
Women Cooperative Banks and other Women Cooperative Societies.
19. Rural Electrical Cooperative Society:
In the State 12 Rural Electrical Cooperative Societies are
registered of which 10 are working. The Rural Electrical Cooperative
Society Ltd., Hukkeri, was registered in 1969 and as on 31-03-2018 it
has share capital of Rs.6.68 crores and working capital of Rs.101.47
crores. As on 31-03-2018, it has provided electricity to 113 villages,
13 hamlets and is functioning as an alternative to HESCOM in power
distribution.
20. Transport Cooperative Societies:
There are 15 Transport Cooperative Societies registered of
which 09 societies are working in the State. Of these, Transport
Cooperative Society Ltd., Koppa, registered in 1991 owns 76 buses
and has 345 individuals as its members. The society covers 62 of the
routes in rural areas of Chickmagalur District.
21. Fisheries Cooperative Societies:
There are 660 fisheries cooperative societies registered of
which 598 societies are working in the State.
22. Karnataka State Co-Operative Fisheries Federation Ltd.,
Mysore.
The Karnataka State cooperative fisheries federation was
registered on 02-10-1989 with jurisdiction extending to the entire
State. It has a membership of 280 Fisheries Cooperative Societies.
57
23. Tree Growers Cooperative Societies:
In the State 21 Tree Growers Cooperative Societies are
registered out of which 10 Societies are working. The said societies
are preserving and developing forest areas in the District.
24. Labour Cooperative Societies
There are 99 contract labour cooperative societies registered of
which 48 societies are working in the State.
25. Sports Promotion & Development Cooperative Societies,
Chandaragi.
This institution was registered in 1983 to promote sports and it
is a State Level Institution. It has a residential sports school which
provides hostel facilities to 657 students. The institution is running a
school both in Kannada and English Medium from 6th
Standard to IInd
P.U.C.
26. Cooperative Hospitals:
In the State, 15 Cooperative Hospitals are registered of which
08 are working.
27. Large sized Adivasi-Multi Purpose Co-operative Societies
(LAMPS)
There are 25 large sized Adivasi-Multi Purpose Co-operative
Societies working in the State. These societies have been organised
with the objective of improving the social and financial conditions of
the adivasis.
28. The Karnataka State Cooperative Federation Ltd.,
Bangalore:
Karnataka State Co-operative Federation has an objective of providing
education & training for the healthy development of the co-operative
movement. Further it provides a wide coverage for the activities of co-
operative in the State through the media. As on 31-03-2018,
Federation has conducted 1038 training programmes in which 44590
people have participated, and among the participants 4021 were
women. Out of 58 debate and essay competitions at District level and
State level, 1276 students were participated
58
News Weekly:
Federation has been publishing „Sahakara‟ Kannada news weekly
since 50 years. This weekly newspaper contains News and views on co-
operatives, Government Circulars, progress report on co-operatives,
interviews with senior co-operators, information on best co-operatives
and such other items. It has a wide circulation among the co-operatives,
co-operators and the public interested in Co-operative field. Currently
about 13,500 co-operative societies and co-operators are the subscribers
of the weekly.
29. Societies Registration
The implementation of Karnataka Societies Registration Act,
1960 was transferred from Revenue department to Co-operation
Department with effect from 01-06-2016 vide order no.
PÀAE/17/ªÀÄÄ£ÉÆøÉÆÃ/2015 dated:19-05-2016 with effect from 01-06-
2016.
The powers of implementation of the Act has been delegated to
District Registrars of Co-operative Societies as per Government
Notification no. ¸ÀE/01/¸À¸ÀA£ÉÆÃ2016 ¢:09-06-2016.
Under this Act the societies related to the promotion of charity,
education , science, literature or fine arts, promotion of sports, the
instruction nd diffusion of knowledge relating to commerce or industry
or any other useful knowledge, diffusion of political education,
maintenance of libraries, the promotion of conservation and proper use
of natural resources may be registered.
As on 31-3-2018 there are 3,55,779 societies registered under the
Karnataka Societies Registration Act, 1960. As per Rule 9 of
Karnataka Societies Rules 1961 the societies have to pay fees for
registration, amendment, filing of returns and the scanning of
documents to Government. From 1-4-2017 to 31-03-2018 Rs.19.10
crores fee is collected.
***********
59
-: Chapter IV :-
Amendments to the existing legislation
During the year 2017-18 amendments have been made to the
Karnataka Co-operative Societies Rules, 1960 which have come into
effect from 05-03-2018.
Departmental Schemes evaluation
During the year 2017-18, SIRI Institute for Rural
Development, Mandya has submitted evaluation report in respect of
interest subsidy on crop loan scheme. The recommendations in the
report are being implemented.
-: Chapter V :-
Human Resources Management and Administrative Activities
Statement showing the sanctioned and filled posts and vacancies of
the Department
(as on 31-03-2018)
Sl.No. Name of the Post Pay Scale Posts
sanctioned
Working
Position
Vacancy
Position
1 2 3 4 5 6
1 Registrar of Cooperative
Societies 1,38,500 1 1 0
2
Joint Registrar of
Cooperative Societies
(Adm & Dev)
74400-109600 1 1 0
3 Additional Registrar of
Cooperative Societies 90500-123300 25 21 4
4 Joint Registrar of
Cooperative Societies 74400-109600 64 36 28
5 Deputy Registrar of
Cooperative Societies 67550-104600 49 46 3
6 Assistant Registrar of
Cooperative Societies 43100-83900 160 112
48 (80
Officers are
working under
Rule 32)
7 Assistant Engineer 43100-83900 1 - 1
60
Sl.No. Name of the Post Pay Scale Posts
sanctioned
Working
Position
Vacancy
Position
1 2 3 4 5 6
8 Assistant Director Of
statistics 43100-83900 1 1 0
9 Assistant Audit Officer Deputation Post 1 0 1
10 Cooperative
Development Officer 40900-78200 269 131 138
11 Superintendent 37900-70850 90 85 5
12 Senior Inspector of
Cooperative Societies 33450-62600 250 153 97
13 Assistant Statistical
Officer Deputation Post 1 0 1
14 Inspector of Cooperative
Societies 27650-52650 510 109 401
15 Senior Accountant Deputation Post 3 0 3
16 First Division Assistant 27650-52650 146 107 39
17 Stenographers 27650-52650 48 13 35
18 Senior Typists 27650-52650 16 5 11
19 Typists 21400-42000 114 18 96
20 Senior Drivers 27650-52650 16 4 12
21 Drivers 21400-42000 66 20 46
22 Second Division
Assistant 21400-42000 335 239 96
23 Process Servers 19950-37900 80 32 48
24 Peon 17000-28950 387 153 234
25 Gardener 17000-28950 1 0 1
Total 2635 1287 1348
61
Number of Officers/ Staff as at the end of 31-03-2018
Posts sanctioned Of which working-
Male
Of which working-
Female
Scheduled
Caste
A B C D A B C D A B C D A B C D
140 432 1595 468 83 184 502 146 22 60 251 39 16 61 137 60
Scheduled Tribes No. of officers/ staff who
have retired during 2015-16
Details of outsourced
staff in various cadres
A B C D A B C D Cadre No.
03 16 38 07 06 34 21 10 Typists/
Stenographers
39
Drivers 29 “D” group 28 Security Gard 96
Details of the officers/ staff who have attended training
programmes during 2017-18
No. of officers/ staff who
have attended training
programmes within the
State
No. of officers/ staff who
have attended training
programmes outside the
State
No. of officers who have
attended training
programmes abroad
622 37 -
Details of the Training Programmes
Sl
no
Details of training Programme Total
1. Training to the newly Appointed Inspectors/First Division Assistant/
Second Division Assistants, Regarding Office Management, Office
manuals computerization, co-operative act and rules of the
Department
42
2. Training to Officers of the Department Regarding important
judgments, Hearing of court cases and writing of court orders .
26
3. Training to the staff of the the Department Regarding pension
Settlement, GIS, Gratuity calculation and Settlement, Appointment
of staffs on compensation ground, review of court orders and
training on income Tax, planning and non-planning schemes of the
Department
39
62
4. Training to officers of the Department on Registration, maintenance
and annual Renewal of the societies under Karnataka society
Registration act 1960
24
5. Study tour for staff of the Department 34
6. Training to officers of the Department on Registration, maintenance
and annual Renewal of the societies under Karnataka society
Registration act 1960
63
7. Exposure Visit Programmes for Departmental Officers of Karnataka 17
8. Exposure Visit Programmes for Departmental Officers of Karnataka 20
9. Training to the newly Appointed Inspectors/First Division
Assistant/Second Division Assistants, Regarding Office
Management, Office manuals computerization, co-operative act and
rules of the Department
21
10. Training Programme on “contract Management” From 18th to 20
Dec 2017 @ KAS Association Infantry Road, Bangalore
01
11. Workshop to the Staff of the Department Regarding online
Registration of societies under Karnataka societies Registration Act
1960
63
12. Training to the Assistant Registrar the Department Regarding Goods
and Service Tax (GST)
70
13. Training to the Additional and Deputy Registrar of the Department
Regarding Goods and Service Tax
65
14. Study tour for Assistant Registrar of co-operative societies Of the
Department
23
15. Training to officers of the Department on Stress Management,
Punctuality.
27
16. Training to the Officers/Staff of the Department Regarding
Karnataka civil Service (Classification, control and appeal ) Ruels 0f
1957, preparation and publication of Seniority list and proper
Maintenance of Asset and Liability sheet and confidential Reports
and rules regarding purchase and Dispose of fixed and non-fixed
assets Etc
27
17. Training to the Officers/Staff of the Department Regarding
Karnataka civil Service (Classification, control and appeal )Ruels of
1957, preparation and publication of Seniority list, proper
Maintenance of Asset and Liability sheet and confidential Reports
and training Rules regarding purchase and sales of fixed and non-
fixed assets
44
18. Training to female officers/staff on the occasion of women day. 53
Total 659
63
Administrative measures and modernization of the Department to
increase efficiency
Direction and Administration- Modernization :-
Budget provision of Rs.20.00 lakhs is provided Under this
schème for the year 2017-18 and government has released entire
amount. The amount of Rs.20.00 lakhs is spent for Modernisation of
the department through implementation of 05 programmes.
The amount has been released for the purchase of 22
Computers, 07 UPS. 01 Lap top, 08- 16GB HP Pendrive for Head
office.
Administrative inspections conducted by the Division / District
level officers
For the year 2017-18, the annual target for conducting administrative
inspection by the Division/ District level officers was 1453 co-
operative societies, 309 offices totaling to 1759. Out of which
inspections of 806 co-operative societies and 111 offices totalling to
917 were conducted with a progress of 52.14%.
Punitive actions against officers/ officials.
As on 01-04-2017, there were 08 disciplinary cases pending
against officers / officials of the Department. During the period from
01-04-2017 to 31-03-2018, 01 new case has been ordered and 07 cases
have been disposed leaving a balance of 2 cases at the end of 31-3-
2018.
64
Chapter VI :-
Performance relating to Audit observations and number of
questions answered in the assembly
Paras Reported in the Local Audit inspection report
Year
Audit
Paras o/s
at the
beginning
of the year
Fresh
paras
added
during
the year
Total
Paras
No. of
paras to
which
complianc
e has been
submitted
No. of
paras
dropped
No. of
paras o/s
at the end
of the
year
1 2 3 4 5 6 7
2015-16 108 28 136 136 2 134
2016-17 134 13 147 147 8 139
2017-18 139 18 157 157 4 153
Paras reported in the report of the Comptroller and Auditor
General of India
Year
CAG
Paras o/s
at the
beginning
of the
year
Fresh
paras
added
during
the year
Total
paras
No. of paras
to which
compliance
has been
submitted
No. of
paras
dropped
No. of
Paras
o/s at
the end
of the
year 1 2 3 4 5 6 7
2015-16 2 - 2 2 - 2
2016-17 2 - 2 2 - 2
2017-18 2 - 2 2 - 2
65
Number of questions answered in the Legislature :-
During 2017-18 in both the houses of the State Legislature, -
163 questions in the Legislative Assembly and 111 questions in the
Legislative Council totally 274 questions were raised by the Hon‟ble
members and reply to all these questions have been submitted.
Court cases against the Department in various courts/Tribunals.
1) In the Hon‟ble Supreme Court of India as on 31-3-2018,
4 SLP‟s were pending.
2) In the Hon‟ble High Court of Karnataka as on 31-3-2018,
349 writ petitions were pending.
3) In the Hon‟ble Karnataka Administrative Tribunal as on
31-3-2018, 13 applications were pending.
4) As on 31-3-2018 there are 906 appeals pending before the
Hon‟ble Karnataka Appellate Tribunal.
Right to Information Act
As on 01-04-2017, there were 43 applications pending under
the Right to Information Act. During the period from 01-04-2017 to
31-03-2018, 4685 applications were received. Out of the total 4728
applications, 4697 applications were disposed off and as on 31-03-
2018 there were 31 applications pending for disposal.
As on 01-04-2018, there were 51 appeals pending under the
Right to Information Act. During the period from 01-04-2017 to 31-
03-2018, 1518 appeals were received. Out of total 1569 appeals, 1555
appeals were disposed off and as on 31-03-2018 there were 14 appeals
pending for disposal.
66
RELATED LINKS
DEPARTMENT OF CO-OPERATION http://www.sahakara.kar.gov.in
GOVERNMENT OF INDIA http://india.gov.in
GOVERNMENT OF KARNATAKA http://www.karunadu.gov.in
DEPARTMENT OF AGRICULTURE AND
CO-OPERATION, GOVT. OF INDIA
http://agricoop.nic.in
DEPARTMENT OF CO-OPERATIVE
AUDIT
http://sahakaradarpana.kar.nic.in
YESHASVINI http://www.yeshasvini.kar.nic.in
KARNATAKA APEX BANK http://karnatakaapex.com
KARNATAKA MILK FEDERATION http://www.kmfnandini.coop
IFFCO http://www.iffco.in
DEPARTMENT OF AGRICULTURAL
MARKETING
http://krishimaratavahini.kar.nic.in
DEPARTMENT OF AGRICULTURE http://raitamitra.kar.nic.in
DEPARTMENT OF HORTICULTURE http://www.horticulture.kar.nic.in
STATE WARE HOUSING CORPORATION http://www.karnatakawarehousing.in
GOVERNMENT OF INDIA DIRECTORY http://goidirectory.nic.in
NABARD http://www.nabard.org
E-mail IDs
PRINCIPAL SECRETARY [email protected]
ADDITIONAL RCS (CREDIT) [email protected]
ADDITIONAL RCS (H&M) [email protected]
ADDITIONAL RCS (C&M) [email protected]
ADDITIONAL RCS (I&D) [email protected]
JOINT REGISTRAR (ADM & DEVP.) [email protected]
JOINT REGISTRAR (ICDP) [email protected]
JOINT REGISTRAR (UBC) [email protected]
JOINT REGISTRAR (LEGAL CELL) [email protected]
DEPUTY REGISTRAR & GA TO RCS [email protected]
***********