1. NAME: Amanjit kaur
CLASS: MBA(FYIC)
5th
sem. “B”
ROLL NO. : 6794

2. Punjab state co-operative agriculture
development bank
The Punjab State Co-operative Agricultural
Development Bank Limited, which was previously
known as The Punjab State Co-operative Land
Mortgage Bank Ltd., was registered on 26 Feb. 1958,
under the Cooperative Societies Act basically with the
object to grant long term loans to the owners of land
or other immovable property, to enable them to
discharge their debts, to carry out Agricultural
improvements, to acquire land for the formation of
economic holdings and other like purposes and
thereby to promote thrift and self help among them.

3.  At the initial stage, the Bank
had started functioning through
the Central Cooperative
Banks, by appointing them as
its Agents. The Agency system
was discontinued in the year
1962 when 14 Primary
Cooperative Land Mortgage
Banks , now known as Primary
Cooperative Agricultural
Development Banks came into
existence and were affiliated to
thePunjab State Co-operative
Agricultural Development
Bank, for the purpose of
advancing long term loans to
the farmers in the State.

4. PURPOSE TO START PADBs
 - To grant long-term loans to farmers to enable them to
carry out agricultural improvements with credit support.
 - To acquire land for the formation of economic holdings.
 - To float debentures.
 - To give loans to help the farmers for development of
agriculture and allied activities.
 - To support and help the farmers for construction of
houses in rural areas.
 - To provide loans for soil conservation and redemption
of land.

5. ADVANCEMENT OF LOAN
 Initially the Bank started advancing loans for the purpose of Redemption
and Purchase of land so as to make land holdings economically viable. After
sometime, the Bank also started providing loans for the improvement of
Banjar, Alkaline and Saline lands. Thereafter, the Bank played a substantial
role in the mechanisation of farming in the State by advancing loans for the
purchase of Tractors, Agricultural Implements and installation of Tubewells
etc. The substantial contribution of this Bank in ushering in Green
Revolution in the State, has always been considered significant. After the
Green Revolution, the Bank played meaningful role for the diversification of
agriculture loan by providing loans to the farmers for the various allied
agricultural activities like Dairy, Poultry, Fishery etc.

6.  Now, Punjab is the largest producer of milk and State agriculture
development banks has made a major contribution to this
achievement. Today, every third Tubewell installed in the State is
financed by this Bank. Similarly, every fourth tractor in the State is
financed by this Bank. The Bank has contributed significantly in
White Revolution and Blue Revolution by providing loans for the
purposes of Dairy and Inland Fishery.

7. SCHEMES GIVEN BY COOPERATIVE
AGRICULTURE BANK
 1. Calf Rearing
2. Purchase of Threshers
3.Purchase of Agri. Implements.
4. Redemption of Mortgaged
Land
5.Purchase of Land
6. Construction of Cattle Sheds/
7.Sand Scraping etc. Small
Godowns
8. Non Farm Sector
9.Flouriculture
10. Purchase of Second-hand
Tractor
11.Rearing of Rabbits
12. Purchase of harvester
combines
13.Rural Godowns
 14.Sheep Rearing
15. Mushroom Cultivation

8. COND…
16. Installation of Tube wells.
17. Purchase of Tractors
18. Soil Conservation.
19. Horticulture and Grapes
Cultivation
20. Reclamation of Alkaline Land
21. Dairy Development
22. Poultry Development
23. Animal Driven Carts
24. Farm Forestry (Poplar
Plantation)
25.Inland Fishery Farms.
.................................etc.

9.  The Bank is also playing a
vital role in elimination of
unemployment in the State.
For this purpose, the Bank
provides gainful self
employment to the educated
unemployed youths for
establishment of Dairy Units
of 10, 20, 30 & 50 animals
etc. and Poultry units of
2000 Birds with the
cooperation of the Dairy
Development Department
Punjab and Department of
Animal Husbandry, Punjab
respectively.

10.  The Bank is also playing a
vital role in elimination of
unemployment in the State.
For this purpose, the Bank
provides gainful self
employment to the educated
unemployed youths for
establishment of Dairy Units
of 10, 20, 30 & 50 animals
etc. and Poultry units of
2000 Birds with the
cooperation of the Dairy
Development Department
Punjab and Department of
Animal Husbandry, Punjab
respectively.