Organizational Structure

The Organizational Structure of ARDBs as it emerged over the years is not uniform all over the country.  The total No. of SCARDBs are 19 as on 31 March 2012, the Structure is Federal in 10 States, Unitary in 7 States and the remaining 2 States having a Mixed Structure. In 4 of the smaller States, State Co-operative Banks (SCBs) are providing term loans for agriculture along with production credit.  Andhra Pradesh is having an integrated structure after the merger of SCARDB with Andhra Pradesh State Cooperative Bank in 1995.

Federal Structure

Under the federal structure which is operative in 10 states viz. Chhattisgarh, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa, Punjab, Rajasthan and Tamilnadu. Individual borrowers are members of primary units, or PCARDBs which, in turn, are federated into state level SCARDB in each given state.

Unitary structure

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

Mixed structure

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

Membership of the Federation as on 31 March 2012.

1. Andhra Pradesh State Co-operative Bank Ltd., Hyderabad
2. Assam State Co-operative Agriculture & Rural Development Bank Ltd., Guwahati
3. Bihar State Co-operative Land Development Bank Ltd., Patna
4. Chhattisgarh Rajya Sahakari Krishi Aur Gramin Vikas Bank Maryadit, Raipur
5. Gujarat State Co-operative Agriculture & Rural Development Bank Ltd., Ahmedabad
6. Haryana State Co-operative Agriculture & Rural Development Bank Ltd., Chandigarh
7. Himachal Pradesh State Co-operative Agriculture & Rural Development Bank Ltd., Shimla
8. Jammu & Kashmir State Co-operative Agriculture & Rural Development Bank Ltd., Srinagar
9. Karnataka State Co-operative Agriculture & Rural Development Bank Ltd., Bangalore
10. Kerala State Co-operative Agricultural & Rural Development Bank Ltd., Thiruvananthapuram
11. Madhya Pradesh Rajaya Sahakari Krishi Aur Gramin Vikas Bank Ltd., Bhopal.
12. Maharashtra State Co-operative Agriculture Rural Multipurpose Development Bank Ltd., Mumbai
13. Orissa State Co-operative Agricultural & Rural Development Bank Ltd., Bhubaneshwar
14. Pondicherry Co-operative Central Land Development Bank Ltd., Pondicherry.
15. Punjab State Co-operative Agricultural Development Bank Ltd., Chandigarh
16. Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd., Jaipur
17. Tamil Nadu Co-operative State Agriculture & Rural Development Bank Ltd., Chennai
18. Tripura Co-operative Agriculture & Rural Development Bank Ltd., Agartala
19. Uttar Pradesh Sahakari Gram Vikas Bank Ltd., Lucknow
20. West Bengal State Co-operative Agriculture & Rural Development Bank Ltd., Kolkata
21. Delhi State Cooperative Bank Ltd., New Delhi
22. Goa State Co-operative Bank Ltd., Panaji
23. Meghalaya Co-operative Apex Bank Ltd., Shillong