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Business of the Society

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RCS – 8818 – 2023 – CP (3) Dt. 4 – 9 – 2024 Social Security Pension Consortium – Collection of funds – Direction to deposit

RCS – 4644 – 2024 – CB (1) Dt. 12 – 5 – 2024 SLTC – Scale of Finance 2024 – 25 – Approval Granted.

IGR – 4460 – 2023 – RR9 Dt. 19 – 2 – 2024 Attachment notice signed by SSO under Sec 89 – Can be filed in Book No 1 as per Registration Act Sec 89 (5).

RCS – 12054 – 2022 – CB (1) Dt. 2 – 2 – 2024 Kerala Bank – OTS extension up to 29th February 2024

GO (P) No 06 – 2024 – Fin Dt. 22 – 01 – 2024 Treasury – FD Certificate lost and Depositor died – Pledged FD Certificate lost from the hands of Pledgee – Proceedure to be adopted – format prescribed

4 – 2024 Reinvestment of Fixed Deposit – Directions

26 – 2023 KC Loans issued by Primary Coop Societies – Defects noticed by NABARD – Directions to rectify

WP No. 6488, 7087 and 478 of 2022 The attachments effected subsequent to the mortgage created in favour of the bank do not affect the rights of the Bank

H R M P No. 3254 – 11 – 15 – 2023 – PTA Dt. 9 – 8 – 2023 Gehan can be used only for one Loan (Human Rights Commission)

RCS – 1340 – 2023 – MP 2 Dt. 29 – 5 – 2023 Sale of products produced by Coop Institutions through Amason e-Commerce platform – Guidelines

ITA No. 7 – Ahd – 2023 Dt. 28 – 4 – 2023 Cooperative Societies are entitled for Deductions Under Section 80 P of Income Tax Act

G O (P) No. 45 – 2023 – TAXES Dt. 25 – 3 – 2023 Increase of Fair Value of Land w e f 1 – 4 – 2023

G O (P) No. 40 – 2023 – TAXES Dt. 17 – 3 – 2023 Fee for filing or release of Gehan

RCS – 1472 – 2022 – AEL (1) Dt. 13 – 2 – 2023 Settlement with Interest equal to Principal amount is permissible even when no scheme of OTS available

10 – 2023 PCARDBs – Permission to accept deposits

5 – 2023 Refund of Unutilised portion of Social Security Pension – Directions

2 – 2023 Gold Loan – Overdue – Auction Sale of Hypothicated Gold Ornaments – Directions

CLT (3) 9924 – 2022 Dt 7 – 11 – 2022Extension of OTS Scheme upto 30th Nov. 2022 in PCARDBs

43 – 2022 Furnishing of Coop Societies – Permission to buy Artco products without quotation

SCT – 5391 – 2018 – D. Dis Dt. 22 – 9 – 2022 Construction activities in SC-ST settlements – SC-ST Labour Contract Coop Societies can apply

G O (Ord) No. 2243 – 2022 – LSGD Dt. 15 – 9 – 2022 Delay in getting medicines from Kerala State Medical Services Corporation – Can purchase from Neethi Medical Store

39 – 2022 Extension of OTS upto 30th Sept. 2022

DB 1 – 11105 – 15 – CE – LID and EW Dt. 24 – 8 – 2022 Public Works – Floating of Tenders by Labour Contract Coop Societies – Guidelines

EM (2) 1762 – 2022 Dt. 1 – 6 – 2022 Improving the working of Printing Coop Societies – Directions 

GO (Ord) No 328 – 2022 – Coop Dt. 11 – 5 – 2022 PCARDBs – Accepting Deposits in own Capacity – Permission granted 

15 – 2022 തൊഴിൽ സംരംഭങ്ങൾ – ഭിന്നശേഷിവിഭാഗം – വായ്പ – മാർഗ്ഗനിർദ്ദേശങ്ങൾ

RCS – 2951 – 2022 – CB(1) Dt. 30 – 3 – 2022 Primary Coop Banks – CASA Deposits – Direction to avoid Nationalised Banks and keep it in Kerala Bank

G O (MS) No. 4 – 2022 – Coop Dt. 8 – 3 – 2022 Labour Contract Coop Societies – Awarding works on prefrential terms – works of Coop Societies also can be included

G O (Rt) No 8089 – 2021 – Fin Dt 14 – 12 – 2021 The word Pension does not include DCRG – Not to be with held

G O (Rt) No 28 – 2021 – SPD Dt. 26 – 10 – 2021 Stores Purchase Dept – Purchase of products from RUBCO without tender formalities – Relaxation – Validity period extended

GO (MS) No 30 – 2021 – ITD Dt 1 – 10 – 2021 Disposal of old Electronics and IT Equipments – Guidelines

40 – 2021 Branding and Marketing of Coop Products – CoopKerala Certification

G O (P) No 108 – 2021 – Revenue Dt 6 – 8 – 2021 Provisions of Revenue Recovery Act applicable to Kerala Bank

RCS 3073 – 2020 – G (4) Dt. 16 – 7 – 2021 Vidyatharangni Loans – Raising limit to 10 Lakhs – Issuing loan to C class members

RCS – 3073 – 2021 – G(4) Dt. 6 – 7 – 2021 Covid 19 – Online Classes – Mobile Phones – Vidyatharangini Loan – Adl. Directions

G O (P) No. 106 – 2021 – Coop Dt. 6 – 7 – 2021 Loan Repayment – enhancing period to 180 months – Ekm. Housing CS

25 -2021 വിദ്യാതരംഗണി വായ്പ – വിദ്യാർത്ഥികൾക്ക് മൊബൈൽ ഫോൺ – പുതുക്കിയ മാർഗ്ഗനിർദ്ദേശങ്ങൾ

24 – 2021 Kerala Govt. – 100 days Action Plan – Generation of employment – Directions

22 – 2021 VidyaTharangini Loan – Interest Free Loans to purchase Mobile Phones for online education

W P (c) No. 476 of 2020 Direction Not to charge Interest on interest – Compound Interest – Penal Interest during the period of Moratorium

G O (Ord) No. 141 – 2021 – Coop Dt. 22 – 2 – 2021 Permission to start COOP Mart Outlets

82 – 2020 Consumer Store – Neethi Store etc – introduction of Home Delivery System – Directions

81 – 2020 Computerisation – Direction to get prior sanction of RCS for use of Cloud and change of Software etc.

80 – 2020 SMAM Scheme – Agro Machine – Direction to Coop Societies to buy it from RAIDCO

IGR – 4295 – 2020 – IT3 Dt. 18-11-2020 e – Gehan – Rectification of mistakes caused after release – Direction

77 – 2020 Gold Loan – Ensuring ownership of Gold ornaments – Directions

F No. 2 – 12 – 2020 – BOAI Dt. 23 – 10 – 2020 Covid 19 – Relief to borrowers – Guidelines

GO (Rt) No 342 – 2020 – TRANS Dt. 21 – 10 – 2020 KSRTC Pension – Refund to Consortium of PACS

G O (P) No. 123 – 2020 – Coop Dt 13 – 10 – 2020 Loan Repayment – enhancing period to 240 months to Thiruvananthapuram District Coop Societies Dept Employees CS No T 323

73 – 2020 Collection of paddy through Coop Societies – Guidelines

72 – 2020 Opening Vegetable Outlets with common name – Guidelines

70 – 2020 Common Branding and Marketing of products of Coop Societies – Direction to give Expression of Interest

GO (Rt) No 1695 – 2020 – LSGD Dt. 20 – 9 – 2020 Disinfecting Govt building and Vehicles – Sanction to Kudumbasree – Rates fixed

GO (MS) No 139 – 2020 – LSGD Dt. 15-9-2020 EMS Bhavana Padhadhi – Sanctioning of Interest amount

CP (3)1840 – 2019 Dt. 20 – 8 – 2020 Social Security Pension – Mobilisation of funds as loan from Coop Banks

GO (P) 69 – 2020 – Coop Dt. 18 – 8 – 2020 Retirement age of PTS – Directions

G O (Ord) No 416 – 2020 – Coop Dt. 9-9-2020 NCDC Loan Scheme to Coop Societies – Withdrawal – Deposit of title deeds – Revised guidelines

67 – 2020 Utilisation of general fund without sanction – Subsequently applying for sanction – Direction to discourage this tendency

66 – 2020 Use of Money Transfer facility in Coop Society – Joint Registrar is allowed to sanction applications

59 – 2020 KCC Scheme – Available to Dairy, Fish and Paultry Farmers – Guidelines.

58 – 2020 Loan for Rain Guarding to Rubber Farmers – Guidelines.

RCS – 2274 – 2020 G (3) Dt. 22 – 7 – 2020 Saturday holiday to Cooperative Societies upto 31 – 8 – 2020 .

46 – 2020 COVID 19 – Special Liquidity Facility to Coop Banks – Guidelines

Circular No 40 – 2020 – Fin Dt. 14 – 7 – 2020 Deposit of own fund of Govt owned – controlled institutions in Kerala Bank – Sanction accorded.(From Finance)

GO (Ms) No 41 – 2020 – PWD Dt. 19 – 3 – 2020 Tenders floated by Govt. – price preference to Labour Contract Societies – upto @ 10% above – Order issued

37 – 2020 COVID – 19 – CM’s Helping Hand Loan Scheme – Revised guidelines.

32 – 2020 COVID 19 – Special Loan Scheme to Tourism Sector.

30 – 2020 COVID 19 – CM’s Helping Hand Loan Scheme through Kudumbasree – Guidelines.

14 – 2020 – Fin Dt. 3 – 3 – 2020 General Insurance of Govt – Semi Govt, PSU – University – Coop Society etc – Direction to do it with State Insurance Dept.

50 – 2019 Maximum Limits for various types of loans and revised IMBP limits

45 – 2019 Kerala Coop Deposit Guarantee Scheme – Direction to include societies before December 2019

G O (MS) No. 111 – 2019 – LSGD Dt. 29 – 8 – 2019 Prohibition of PVC Flex – Order issued

LSGD – DB1-286-2017-LSGD Dt.4-7-2019 House Constructed through EMS Housing Scheme – Sale – Revised Guidelines

33 – 2019 Flood – cheques received to Relief Fund – Direction NOT to charge Commission and NOT to insist minimum balance

27 – 2019 Loan Scheme to restart Micro, small enterprise after flood – Amendments to Cir. 3 – 2019

15 – 2019 Flood 2018 – Moratorium on all loans taken by Farmers – Extension upto 31-12-2019

12 – 2019 UTHEJANA PALISH – Direction to receive the Principal portion of loan only.

9 – 2019 Direction to become members of the Deposit Guarantee Scheme before 31-3-2019

7 – 2019 Purchase of Land and Building by Coop Societies – Directions – Modifications to Circular No 26 – 2018.

3 – 2019 UJEEVANA Loan Scheme to help people affected by 2018 Flood – Guidelines

67 – 2018 Debt Relief Scheme – Amendments to Circular No 61 – 2018

65 – 2018 Merging of KSCB and DCBs – Direction to issue uniform Banking products from 1-1-2019.

GO (Ord) No. 519 – 2018 – Coop Dt. 18 – 8 – 2018 Valuation of Constructions made by Coop Societies – Permission granted to Thrissur District Labour Contract Coop Society

CP (@) 22717 – 2017 – K.Dis Dt. 17 – 7 – 2018 Housing Loan Scheme of Primary Credit Societies – enhancing period to 180 months – Govt. Order

GO (P) 43 – 2018 – COOP Dt. 20-4-2018 Housing Loan – Period of Repayment – Enhancing from 120 months to 180 months

51 – 2018 – Flood Relief – Moratorium to Agriculture Loans for one year

46 – 2018 CARE KERALA LOAN SCHEME – Guidelines 

39 – 2018 Muttathe Mulla – Loans Scheme to Poor – Further Directions (see Circular No. 36 – 2019 also) 

29 – 2018 Direction to become members of Deposit Guarantee Scheme before 15-8-2018 

19 – 2018 Extension of the period of NAVAKERALEEYAM KUDISHIKA NIVARANAM 2018 upto to 2018 March 2018 

13 – 2018 Gold Loan – Physical Verification of Gold – Directions

5 – 2018 Membership in Coop Societies of Coop Dept.  Staff – Directions

G O (Rt) No. 102 – 2018 – Coop Dt. 19 – 2 – 2018 Pension distribution to KSRTC Pensioners – PACS Consortium – Permission granted

G O (MS) No 1 – 2018 Dt. 9-1-2018 Co-operation Department- Labour contract cooperative group – woks -priority and criteria -revised order-amended -orders issued

2 – 2018 Strengthening Security systems in Coop Banks – Use of OTP – Directions

90 – 2017 – Fin Dt. 14 – 12 – 2017 GST – Applicability in Govt Depts.  and Agencies – Guidelines

GO (MS) No. 249 – 2017 – LSGD Dt. 12-12-2017 Bhavanasree Loans – Taking Over – Guidelines

39 – 2017 Renewable Energy Loan – Guidelines 

20 – 2017 Permission to Coop Banks to issue Capability Certificates to Govt Contractors

18 – 2017 Control of price of Rice – Distribution of subsidised rice – Use of Own Fund – Directions

17 – 2017 Issue of Rupay Kisan Card – Directions

15 – 2017 Rain Water Harvesting – Further directions

13 – 2017 Purchase and Sale of Land – Direction  to  Members of Director Board and Staff NOT to involve in it.

GO (MS) No 6 – 2017 – PWD Dt. 7 – 2 – 2017 Capability certificate to contractors – Permission to Coop Banks to issue

G.O(Ms)No.47-2016-Co-op-3 – Co-operation Department-demonetization-crisis in cooperative sector-loan refund-moratorium upto march 31,2017-declared-orders issued  

E3-173-2016-Revenue Dt. 8-12-2016 Mutation of property bought using loans – Present attested copy of property records before Revenue Authorities

46 – 2016 Demonetization of Currency Notes – Problems faced by Primary Coop societies – Permission to start temporary accounts in DCBs

37 – 2016 S T Agriculture Loan – Permission to give it for Vegetable cultivation also

G O (MS) No 31 – 16 – Coop Dt 29-6-2016 Labour Contract Societies – Revised Limits of works that can be entrusted

C P (4) 25498 – 2014 Dt. 3-5-2016 Loan taken by members belonging to ST Community – Prior permission of District Collector is required  before taking Revenue Recovery actions

G O (MS) No 28 – 2016 – Coop Dt. 2-5-2016 Labour Contract Societies – Contract works – Terms and Conditions – Amendments

WP (C) No. 252 of 2015 (M) Dt. 8 – 3 – 2016 Bank have no right to retain documents once loan is fully paid off.

12 – 2016 Coop Societies handling Indian Currency – Direction to make availabe modern machines to detect Fake Note and impart proper training to staff

Income Tax – NOT to charge  on Interest from Fixed Deposit made by Coop Banks in Govt Treasury

2 – 2016 Creation of Reserve in Audit on Long Term Agriculture and Housing Loans  which were in OVERDUE – Revised Guidelines

CS (1) 26809 – 2015 Dt. 23 – 12 – 2015 Revised conditions to be complied with to sanction NEETHY MEDICAL STORES 

56 – 2015 PCARDB – Application Fees and Administration Fees – Revised Rates 

45 – 2015 Gold Loans – Direction to maintain Loan to Value Ratio (LTV) not exceeding 75% 

41 – 2015 Second and Fourth Saturdays are holidays for Coop Banks coming under the control of B R Act only

16 – 2015 Direction NOT to renew the loans without clear directions from the Loanees 

G O (P) No. 126 – 2014 – Coop Dt. 24 – 10 – 2014 Kerala Coop Deposit Guarantee Scheme – Premium on incremental deposits only need to be paid

No. CB (1) 56042 – 12 Dt. 1 – 11 – 2014 and G O (Ord) No. 7618 – 2014 – Fin Dt. 8 – 10 – 2014 State Coop Bank and DCBs – Capital adequacy – implementation of Special Deposit Scheme

G O (ORD) No 2368 -14-LSGD Dt 10-9-2014 Houses built under JANAKEEYASOOTHRANAM can be accepted as security for Loans

G O (MS) NO 84 / 2014 / Coop Dt. 26 – 6 – 2014 Labour Contract Societies – enhancement of limit of works that can be entrusted

G O (MS) No. 96 – 2014 – LSGD Dt. 31 – 5 – 2014 Kudumbasree Mission – BhavanaSree Loan – Liability taken over by Govt.

G O (Ms) No. 121 – 2014 – Fin Dt. 29 – 3 – 2014 Finance Dept – Short Term Treasury Deposit Scheme – introduced

G O (MS) No. 118 – 2014 – Fin Dt. 28 – 3 – 2014 Finance Dept. – Special Coop Bank Deposit Scheme – Guidelines

R – 11017 – 10 – 2013 – L&M Dt. 26 – 3 – 2014 Direction to Multi-State Coop Societies to stop accepting deposits from nominal members & Obtain NOC from concerned Registrar to extend area of operation

56 – 2014 Payment of Legal Fees – Directions 

45 – 2014 Insurance Business of Coop Societies – Direction to do it with State Insurance Dept 

 41 – 2014 Direction to avoid Private Money Lenders from Coop Societies

40 / 2014 Bio Gas Plant – Permission to give loans to buy it from Edappazhinji SCB

31 – 2014 Fees and Charges realised on Loans – Directions 

29 / 2014 Revival of SC – ST Coop Societies

27 – 2014 Permission to start Sunday Banking 

26 –  2014 Disbursement of Loans – guidelines to avoid time delay 

25 – 2014 Special Loan Scheme to Widows, Labourers and the persons living  BPL 

24 – 2014 Direction to insure the Coop Societies through the State Insurance Department 

22 – 2014 Direction to extend the period of Banking Hours to 12 Hours 

19  –  2014 Permission to allow NOMINAL MEMBERSHIP IN DCB s 

18 – 2014 Permissive sanction to start money transfer facility in collaboration with Western Union Money Transfer 

No. 64804 – RA1 – 2013 – LSGD Dt. 27 – 11 – 2013 Purchase of House, Flat, Shops etc and purchase of plots for construction of building – Matters to be considered

G O (P) No. 168 – 2013 – TD Dt. 4 – 10 – 2013 Fee for filing Gehan and its release – withdrawn

82 – 2013 Cancellation of Withdrawal of Circular 49 – 2010 – Settlement of Loans with Interest equal to Principal 

79 – 2013 Deposits – Higher interest rates to Senior Citizens – Direction to comply with Age Limit 

75 / 2013 Sub – rule for deposit schemes of Coop Societies 

74 – 2013 Farmers Service Centre – Guidelines 

73 – 2013 Direction NOT to take salary out of Deposits 

70 A / 2013 Revised Guidelines for Education Loans from Coop Societies 

66 / 2013 Proceedure to be followed in Coop institutions while rounding figures 

44 – 2013 Direction NOT to deposit the excess money out of Coop Sector

43 – 2013 PCARDBs – Valuation of Property – Revised Guidelines 

37 / 2013 Share Linking of 2% on all loans of Primary Credit Coop Societies and DCBs 

34 / 2013 Enhancement of Legal Fees in PCARDBs’ – Directions 

30 – 2013 Direction to keep information on customers and update Membership Register 

27 / 2013 Direction NOT to receive deposits from non-members, run society with temporary staff by employees credit societies 

 21 / 2013 Housing Loan Application – Estimate – Signature of approved Engineer is enough 

10 – 2013 Revised guidelines for KCC

04/2013 LOAN TO KSHEERA KARSHAKAR – REVISED GUIDELINES 

25 / 2012  Issue of Loans by coop societies – Guidelines

21 – 2012 Licence under Food Safety Standard Act 

69 – 2011 Loans of PCARDB – Revaluation of Land 

59 / 2011 SAMRUDHI NIKSHEPAM – Special Deposit Scheme 

57 / 2011 Instruction to give loan on security of land of 3 cents or more

49 / 2011 Guidelines on Security of loans 

30 / 2011 Gold Loan – Weighing Machine with digital display needed 

17 – 2011 Calculation of Working Capital – Revised Guidelines 

8 / 2011 House built under EMS Bhavana Padhadhy can be accepted as security for Loans 

G O (Ord) No 524 – 2010 – Coop Dt. 10 – 8 – 2010 Computerisation of Coop Societies – Formation of State level and District level committees to evaluate proposals

51 – 2010 Direction NOT to levy or give Interest in excess of what is fixed by R C S 

49 – 2010 Guidelines to settle N P A Loans charging interest upto the amount of principal 

48 – 2010 Guidelines for distribution of Loans

46 – 2010 Interest rates of SHGs having account in SCBs 

42 – 2010 Withdrawal of permission to deposit excess funds in Treasury – Nationalised Banks 

28 – 2010 Guidelines for Loans to B P L members having no job

24 – 2010 Permission to deposit excess funds by Primary Coop Societies and D C B s in Govt Treasury and Nationalised Banks

6 – 2010 Guidelines to issue Loans to SHGs – Kudumbasree Units registered under Coop Societies 

RBI – 2009 – 10 – 140 Dt. 1 – 9 – 2009 Payment of Interest on SB Account on a daily basis – Directions to UCBs

No. C G (2) 12003 – 2009 Dt. 24 – 1 – 2009 Issue of Loans – only 50% of Market Value to be given as Loan – Guidelines

65 – 2009 Revised guidelines for the use of Safe Deposit Locker 

64 – 2009 Direction to encourage Agricultural Loans

46 – 2009 Gold Loan Purity and Weight of Gold – Guidelines to prevent misuse of Agriculture Gold Loans

20 – 2009 Cooperative Clinical Labs – Guidelines 

61 – 2008 Mangallya sutra Loans – Guidelines 

57 – 2008 Interest Free Loans to Paddy Farmers – Guielines 

40 – 2008 Ceiling of Cash Credit 

38 – 2008 Direction to buy Medicines required for Neethy Medical Store of Banks from Consumer Federation 

76 – 2007 Nomination facility in Single Deposit Accounts – Instructions

67 – 2007 Direction to give maximum interest rates to Reserve Fund Deposit made by Primary Coop Societies in DCBs and by DCBs in State Coop Bank 

66 – 2007 Direction to ensure quality of medicines supplied through Neethy Medical Stores 

48 – 2007 Direction to start Zero Balance Account

46 – 2007 GEHAN can be used just like mortgage deed – Clarification

30 – 2007 Charging of Interest in excess of Principal – Guidelines

21 – 2007 Formation of New Deposit Schemes

11 – 2007 Higher Interest Rates for Senior Citizens 

7 – 2007 New Deposit Scheme in Coop sector – permission granted

60 – 2006 Education Loans – Model Sub Rules

55 – 2006 Recovery of Interest in excess of Principal Amount – Guidelines

43 – 2006 Direction to give Education Loans through Coop Banks

20 – 2006 KSCARDB / PCARDB – Prevention of Compound Interest – Instructions 

1 – 2006 Passing of Resolution by Circulation – Restricted 

45 – 2005 Loans – Amount that can be given on Personal Security  and on Salary Certificate – Directions

43 – 2005 Guidelines on Changing the working Time or Building of Branch 

42 – 2005 Agriculture Debt Relief – Interest – Creation of Reserve in Audit – Guidelines 

35 / 2005 Issue of Gold Loans – Insurance of Ornaments – Directions

33 / 2005 Security on Loans from PACS, RSCB ect

31 / 2005 Repayment of Loan – Direction to show Principal and Interest separately in the Receipt

30 – 2005 Loans – Verification and Valuation of Security – Cancellation of Circular No 8 – 1994

RR. 4. 20631 – 2004 Dt. 18 – 12 – 2004 Creation of Gehan – Instructions

G O (P) No. 220 – 2004 Dt. 13 – 8 – 2004 Membership to Neighbourhood Group – Providing Loans – Directions

39 / 2004 CM’s 100 days Action Plan – Rain Water Harvesting through Coop Societies

19 / 2004 Direction not to give unexpected holidays to Cooperative institutions and Branches

41 / 2003 Share Linking to Loans

24 – 2003 COINS – Direction to do all insurance work of coop societies with it

CP (2) 14284 – 03 Dt. 27 – 12 – 2003 Auction of Gold Ornaments – Direction to recover Sales Tax

CB (1) 14176 – 03 Dt. 11 – 4 – 2003 Opening of Current Account, CSGL with HDFC Bank – Revised Orders

39 – 2002 Neethy Store – Direction to buy items from Consumerfed.

11 / 2002 Share Linking to Loans – Directions

15 / 2001 Computerisation – Direction to encourage the use PACSOFT 2000 developed by ICM

9 / 2001 Direction to avoid loss of Neethi Store and improve the working of it

G O (P) No 149 – 2000 – Coop Dt. 17 – 11 – 2000 Exemption to P A C S to allow Overdraft to Beneficiary Committee of Local Self Govt institutions as they are not members of it.

54 / 2000 Unauthorised investment of funds in Commercial Banks – Instructions

48 / 2000 Direction NOT to change Branch or working time of branch without the permission of RCS

32 / 2000 Computerisation of Societies – Simplification of proceedures

24 / 2000 Warning against the use of Non Standard Weights and Measures in business

48 / 1999 Issue of Kisan Credit Card – Directions

42/1999 LONG TERM LOANS – Simplification of proceedures

G O (MS) No 135 – 97 – Coop Dt. 13 – 11- 1997 Labour Contract Societies – Entrusting works on preferential terms – Revised Order

75/1997 / Fin Dt. 6-10-1997 Direction to transact the Insurance Business of Coop Societies through Kerala State Insurance Department

Act 9 of 1997 – Change of financial year from 1st July to 1st April

23 – 1995 Direction to maintain separate Register to record the loan applications received from SC – ST members

28 – 1994 PCARDBs – Legal Fees on Loan Applications – Revised Rates

26 – 1994 Irregularities – Deficiencies in the Gold Loan Scheme of DCBs – Safeguards – Instructions

8 –  1994 Evaluation of Loan application and Verification and Valuation of Security for Loans – Clarifications

7 – 1994 Instruction to make valuation for loan on the basis of repaying capacity

80 – 1993 Permission to Coop Societies to buy Equity Shares and Bonds in the nature of Promissory Notes issued by SBI

78 / 1993 Direction to STOP the practice of taking loans by Coop Societies from individuals

52 / 1993 Permission to Employees Coop Societies to issue Gold Loans

49 / 1993 Gold Loan – Insurance – Directions

1 / 1993 Daily Deposit Scheme in coop Societies – Profitability of such Schemes – Continuance – Instructions

48 / 1992 Issue of Loans – Documents received – Direction to give receipt

1 / 1992 Direction to raise mix of deposits to reduce average cost

44 – 1991 Unauthorised investment of funds in Commercial banks – Instructions

41 / 1991 Direction NOT to charge interest in excess of Principal amount in case of Short term Agri Loans

38 / 1991 National Savings Scheme – Investment in Indira Vikas Patra treated as Govt. Security for assessing Fluid Resources

28 / 1991 Collection of Application Fees, Administration Fees etc in PCARDBs – Revised Guidelines

25 / 1991 Primary Service Coop Banks – Societies – Unauthorised retention of Credit Instruments sent for Collections – Instructions

13 – 1991 Business Development Plan in PACS – Recommendations of Khusro Committee

38 / 1990 Endorsement in Ration Cards for Loans upto Rs 50,000.

34 / 1990 Direction NOT to enter the loan amount repaid by loanees into SUSPENSE ACCOUNT without sufficient reason

30 / 1990 Interest subsidy – Maintenance Charge collected – Direction to refund

19 / 1990 Enhancement of Loan sanctioning Limit of Agriculture Development Banks

14 / 1990 Issue of Loans on the security of Warehouse Receipts – Directions

4 / 1990 NCDC Scheme – Construction of Godowns – revised instructions regarding the use of OWN FUND in it.

No. 27014 -E2 – 88 – TD Dt. 7 – 3 – 1989 Stamp Duty Exemption to Coop Societies

68 / 1989 Maintenance of FLUID RESOURCES – Directions

31 / 1989 Purchase or lease of land and construction or renovation -the cases where sanction is not necessary

24 – 1989 Deposit of Reserve Fund – Guidelines

47 – 1988 Construction of Godown – Utilisation of General Fund – Building Fund – Directions

40/1988 Direction not to declare any gift or excess interest or rebate in connection with Deposit Mobilisation

39 – 1988 Advance to weaker sections – Direction to issue receipt for application and maintain register

33 / 1988 Reserve Fund Deposit of affiliated banks – Direction to keep in a separate account and to give maximum interest

15 – 1988 National Savings Certificate and Indira Vikas Patras – Subscription by Coop Societies – Instructions

11 – 1988 Endorsement in Ration Card for Loans upto Rs. 50,000 – Instructions

3 – 1988 Consumer Store – Concession in weight when purchasing from far away places – Directions

60 – 1987 Levy and Accounting of Guarantee Commission  – Instructions

8 – 1987 Investment of Excess Funds of Primary banks – Direction NOT to deposit in other primary banks

52 / 1986 Gold Loan – Insurance – Guidelines

50 – 1986 Kerala State Coop Agricultural Development Banks Act 1984 – Principles of Valuation of Hypothica – Instructions

46 – 1986 Purchase of Fertilizers and pesticides – Directions

45/1986 Discourage the tendency of constructing huge buildings using own fund

40 – 1986 Disbursement of L T Loans – Simplificatio of proceedures – Modifications

21 – 1986 Disbursement of L T Loans – Simplification of proceedure – Modifications

29 – 1985 Purchase of plant protection chemicals – Further directions

21 – 1985 Disbursement of L T Loans – Simplification of proceedure – Directions

18 – 1985 Plant protection chemicals – Stocking – Directions

12 / 1985 Prohibition of dual membership in Credit – Housing Coop societies – Instructions

5 – 1985 Disbursement of Agriculture Loans by PACS – Directions

2 – 1985 Direction NOT to give loans to non-members and for a period of beyond 5 years

48 / 1984 Loans by Harijan – Girijan Societies – Security – Guidelines

41 / 1984 Wholesale Stores – Accumulation of Dead Stock due to wrong purchase policies – Fixing of responsibility on purchasing officers

33 – 1984 Disbursement of S T Loans – Simplification of proceedure – Directions

25 / 1984 Donations from coop Societies – Direction to give for Charitable purpose only and ensure Budget allocation

18 – 1984 Implementation of Rural Consumer Scheme sponsored by NCDS – Detailed instructions

54 – 1983 Foreign Tours of representatives of Coop Societies – Direction to get prior sanction  from Govt.

51 / 1983 Cancellation of share linking of IRDP Loans

40 – 1983 Agricultural Credit – Norms of Security – Modification to Circular No 4 – 1983

35/1983 Purchase or Lease of Land and Building – Proceedures

31/1983 Purchase or Lease of Land or Construction or Renewal of Building – Instructions

28 – 1983 Drought – Crop Failure  – Conversion of S T Loans to M T Loans using Agri Credit Stabilisation Fund

26 – 1983 Loans to Processing – Marketing – Consumer – Weaver Coop Societies from DCBs – Share linking – Directions

4 – 1983 Agricultural Credit – Norms of Security – Modification to Circular No 53 – 1982

60 / 1982 Contribution / Donations from Coop Societies – Instructions

55 / 1982 ST Loans for Agriculture – Insistance of drawal of B component – Instructions

53 – 1982 Agriculture Loans – Norms of Security – Instructions

49 / 1982 Purchase of Land by SC/ST Coop Societies for Office building – Direction NOT to give advance

42 – 1982 Investment of excess funds of PACS / BANKS in Commercial Banks – Instructions

34 – 1982 Disbursement of L T Loans – Simplification of proceedures – Signing of Affidavit before Valuation Officer or Agriculture Officer – permission granted

19 –  1982 Urban Coop Banks – Investment of surplus funds – Instruction

52 – 1981 Gold Loans – Direction to take insurance policies against theft and burglaries etc

37 – 1981 Method of valuation of land offered as security for loans in Land Mortgage Banks

12 – 1981 Agricultural Credit – Lending Programme – Instructions

11 – 1981 Simplification Loaning proceedure in PLMBs – Further instructions

89 – 1980 Disbursement of Long Term Loans – Simplification of Proceedures – Instructions

82 – 1980 Acceptance of Collateral Security from employees of Coop Societies

80 – 1980 Investment of funds of Coop Societies in Commercial Banks – Instructions

72 – 1980 Rules for payment of Outright Grant for Special BDR Fund of DCBs and primary Coop Societies – Instructions

71 – 1980 Bank Credit for Artisans Village and Cottage Industrires  – Issue of Composit loans – Directions

50 – 1980 Payment of Interest Subsidy on Loans issued for Agriculture and Self Employment – Further Instructions

46 – 1980 Urban Coop Banks – Loans from DCB – Direction not to create floating charge on its assets without the consent of RBI

43 – 1980 Deposits by Coop Banks in Govt Bonds etc – Direction to claim the principal and interest in time

29 – 1980 Investment of Funds of Panchayat – Coop Societies eligible to receive it

10 – 1980 Urban Coop Banks – Linking of share to borrowings – Instructions

1 – 1980   Return of the FIXED DEPOSITS of deceased members to their legal heirs – Guidelines

55 – 1979 Utilisation of Surplus Funds in Coop Institutions – Instructions

20 – 1979 Discounting of Cheques – Bills – Instructions

14 – 1979 Cooperative Medical Stores – Loss due to expiry of medicines – Guidelines issued

55 – 1978 Unemployment Relief Scheme – Loans for Self Employment – Maximum limit and other directions

49 – 1978 Insurance Transaction of Coop Societies – Direction to do through Nationalised Insurance Companies or State Insurance

17 – 1978 Employees of Coop Societies – Securities to be furnished – Clarifications

10 – 1978 Production oriented loans to Agriculture – Guidelines

1 – 1978 Coop Societies issuing Gold Loans – Conditions to be complied with – Directions

48 – 1977 Ration Depots run by the Coop Societies – Direction to be vigilant to avoid malpractices

40 – 1977 Housing Loans to Weaker sections -Permission granted for relaxing share linking and exceeding IMBP

86 – 1976 National Savings Scheme – Permission to appoint Coop Societies as Commission Agents

85 – 1976 Direction to issue Consumption Loans to non-agriculturist members in the personal surety of at least two members

81 – 1976 Linking of share to borrowings – Instructions

75 – 1976 Products of Small Scale Units – Direction to sell it through Super Markets operated by Coop Societie

59 – 1976 Issue of Loans on the security of Gold – Directions

50 – 1976 Direction to keep  records of Coop Societies in Malayalam

42 – 1976 Loans to persons engaged in maintaining Duck Rearing

39 – 1976 LMBs – Direction to give interest to part payment received in loans which were kept in Suspense Account and to keep a Register for it

30 – 1976 Gold Loan Scheme – Guidelines

10 –  1976 Medicine distributing Coop Societies – Direction to keep the provisions of Drugs and Cosmetics Rules

4 – 1976 Kind Loans to Members – Directions

105  – 1975 Permission to give financial assistance to Libraries from Common Good Fund

68 – 1975 Direction to Coop Societies to entrust their printing works to Printing Coop Societies

46 – 1975 Coordination of Agriculture Financing by Commercial and Coop Banks – Direction to issue NO DUES – NO OBJECTION CERTIFICATES

22 – 1975  Privileges conferred on Coop Societies will be withdrawn if it is not affiliated to State Cooperative Union

58 – 1974 Permission to Coop Societies to donate to Kerala Grandhashala Sangham from Common Good Fund

48 – 1974 Investment of funds by Panchayats in other Coop Banks – Conditions to be satisfied – Directions

32 – 1974 Direction to take Fire Insurance Policy where Goods are stored 

11 – 1974 Investment of Funds of Coop Societies – Instructions 

31 – 1973 Income Tax – Direction to Coop Societies to deduct TDS from contractors

21 – 1973 Issue of Gold Loans to Societies by Central Banks – Relaxation of Share Linking – Norms

39 – 1972 Limits upto which members can stand as Surety – Guidelines

1 – 1972 Crop Loan System – Seasonal pattern in lending and recovery – Instructions

22 1971 Matters to be considered while giving Agriculture Loans by Coop Societies

6 – 1971 Credit Card in Selected Coop Societies – Directions

51 – 1970 Coop Societies – Fraiming  of Subsidiary rules – Instructions

6 – 1970 Direction to amend the portion of Bye Law relating to the custodian of money

35 – 1969 Litigation Expenses – Direction NOT to meet it from the funds of the society

30 – 1969 Wholesale Coop Stores – Purchase policy – directions

27 – 1969 Supply of essential and other consumer articles in rural areas – Directions

23 – 1969 Proceedure to be followed while selling empty jute containers

12 – 1969 Wholesale Coop Stores – Shifting or Closure of Branches – Guidelines

4 – 1969 Wholesale Coop Consumer Stores – Acceptance of Tenders – Guidelines to open it

PL & C (1) 26822 – 68 Dt. 24 – 4 – 1969 Discounting of Bills by Primary Coop Banks – Directions

One Response so far.

  1. admin says:
    June 3, 2023 at 4:03 pm

    സഹകരണ സ്ഥാപനത്തിന്റെ ബിസിനസ്സ് പ്രവർത്തനങ്ങളുമായി ബന്ധപ്പെട്ട സർക്കുലറുകളും, സർക്കാർ ഉത്തരവുകളും, പ്രധാനപ്പെട്ട കത്തുകൾ തുടങ്ങി പ്രസക്തമായ എല്ലാ വിവരങ്ങളും ഈ ലിങ്കിൽ ലഭ്യമാണ്. വായ്പകൾ, നിക്ഷേപങ്ങൾ, കച്ചവട പ്രവർത്തനങ്ങൾ, നികുതി സംബന്ധമായ വിവരങ്ങൾ, വായ്പാ അപേക്ഷ വിശകലനം മുതലായവ സംബന്ധിച്ച രേഖകളാണ് ഇവിടെ ലഭ്യമാവുക.

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