2017-18 Eng

Annual Administrative Report
1. Background
The contribution of the Cooperatives in the development of the State in

various fields is quite significant. Many people in the State have got
employment in various Cooperative Institutions. Cooperative Societies are
playing a significant role in advancing agricultural loans. Cooperative
Societies have entered into activities of extending advancement of credit in
Non-Farm sector and credit to traders/ businessmen, marketing of
agricultural produce, supply of milk and milk products, production of sugar,
construction of houses as well as labour and construction work etc. An
important role is being played to provide fertilizers and other inputs for
agricultural operations, as well. Non-farm sector loans have helped
individuals in engaging themselves in gainful employment. The Department is
working under the Punjab Cooperative Societies Act 1961, Punjab
Cooperative Societies Rules 1963 and Self Supporting Cooperative Societies
Act 2006.
It is a movement based on the principle of equality and offers ample scope
for the development of one and all. In short, the cooperatives offer an
advantage to the people for improving their lives over other sectors of
economy. The Cooperative Movement in the State of Punjab has contributed
immensely to the development of the lives of large number of people of the
State by one way or the other. Overall analysis/overview of the cooperative
movement indicates that the membership of societies during year 2017-18 was
52.88 lacs as compared to 53.22 lacs during last year. Similarly the total share
capital has increased from 1527.01 crore to 1987.37 crore, working capital has
increased from 69833.18 crore to 71188.92 crore. The business turnover has also
increased from 554355.71crore to 569819.14 crore & owned funds have also
increased from 6740.99 crore to 7942.16 crore as compared to corresponding
figures of the last year i.e. 2016-17. The above data clearly depicts the extent of the
growth of cooperative movement in the State.
2 Organizational setup of the department
a)
ORGANISATIONAL CHART
COOPERATION MINISTER
ADDITIONAL CHIEF SECRETARY, COOPERATION
REGISTRAR, COOPERATIVE SPECIAL SECRETERY,COOPERATION

SOCIETIES, PUNJAB
HEAD OFFICE LEVEL OFFICERS FIELD LEVEL OFFICERS
 Additional Registrar  Joint Registrars at Patiala, Jalandhar,

(Administration) Ferozepur.
 Additional Registrar (Credit)
 Additional Registrar (General)
 Additional Registrar (Industry)  One Deputy Registrar in every District -22
 Additional Registrar (Distribution)
 Joint Registrar (Planning)
 Joint Registrar -1  One Assistant Registrar in every AR -Circle-
 Joint Registrar – 2 80
 Deputy Registrar (Enforcement)
 Deputy Registrar (Banking)
 Deputy Registrar (Legal)  Inspectors-835
Duties of Officers of Cooperation Department.
Sr Designation Duties
No.
1 Registrar, Administrative
Cooperative 1 All the Officers and employees work under the control of
Societies, Registrar Cooperative Societies, Punjab. Besides this,
Punjab, Registrar Cooperative Societies, Punjab has the right to
Chandigarh. decide the service matters of Group C and D employees.
2. To decide the postings of Employees.
3. To decide the responsibilities of Employees.
4. To give permission to employees for applying for any
examination.
5. To allow the employees to retain Govt. accommodation
during leave.
6. To allow the salaries and allowances of the employees
under the Rule 2.16(b).
7. To give additional charge to employees on temporary
basis.
8. To allow the medical leave of employee who is unfit for
the job owing to some medical issues.
9. To allow Extraordinary leave.
10. To give benefits under ACP Schemes to the employees.
Financial
1. Right to issue Financial aids under Plan Schemes after
attaining approval from Finance Department and
Administrative Department.
2. The Right to spend Rs 5 Lac on any item bought for
official use.
3. The Right to pay Rs. 3000 as rent for any building.
4. The Right to approve Medical Bills cleared by Health
Department.
5. To approve all the benefits dues as pension, gratuity,
and at retirement.
Others
1. To register the Cooperative Societies.
2. To register the Bye-Laws of Cooperative Societies.
3. To amend the Bye-Laws of Cooperative Societies.
4. To cancel the Registration of Societies.
5. To conduct elections of the Societies.
6. To remove the Committee of the Societies.
7. To appoint Administrator of the Societies.
8. To inspect the Societies.
9. To investigate the Societies.
10. To audit the Societies.
11. To Appoint the liquidator of the Societies.
12. To hear appeal against the decisions taken by following
Officers.
Out of these, most of the rights are given to Additional
Registrars, Joint Registrars, Deputy Registrars and
Assistant Registrars, Cooperative Societies by the Govt.
itself. The details of which is as follows:-
(A) Additional Registrar Cooperative Societies :- All the
rights under Cooperative Societies Act & Rules.
(B) Joint Registrar Cooperative Societies.- All the rights
under Cooperative Societies Act &Rules.
(C) Deputy Registrar Cooperative Societies.- All the rights
under Cooperative Societies Act under section 26(i) d and
section 27 except Consumer stores and CCBs.
(D) Assistant Registrar- All the rights under Cooperative
Societies Act under section 8, 9, 10, 11,13, 25, 26 (1(A)),
28, 42, 48, 49, 50, 51, 52, 55, 56, 57, 58, 59, 61,
Provision under section 63 Clause (A) and clause (C) , section
65, 66, 67, 73, 82 (2) and 83HBesides this section 26 (1
(D) and section 27, Rights under section 15 (A), The Rights
under PACS Rules 8, 10, 12, 15, 27, 38, 39, 43 (1), 46, 47,
48, 49, 50, 51,52, 53, 54, 55, 56, 57, 59, 60, 61, 62,
63, 65, 67, 68, 69 and 70 Punjab Cooperative Societies
Rules 1963 Appendix "C "Part 1 Rule (B), 1(D), 4 and 10.
Responsibilities:-
1. Inspections of Cooperative Societies.
2. Audit of Cooperative Societies.
3. Investigation of Cooperative Societies.
4. Elections of Cooperative Societies.
2 Additional Administrative Functions:-
Registrar 1. Chief Vigilance Officer.
(Administration 2. RTI Appellant Authority
) 3. To decide/adjust the distribution of work of class C
employees.
4. To decide the cases under ACP Scheme of Group C and
D employees.
5. To give disability allowance to Group C employees.
6. To issue NOC for passport applications.
Financial:-
1. To release Ex-gratia Grant(death) to the employees.
2. To act as Controlling Officer for allowing LTC and TA bills
of Officers and Employees of Head office.
3.To give the permission for connection of Telephones
worth Rs. 60,000 as per Rules.
4. Condemnation of Official vehicles.
5. To allow Annual increments of Officers and Employees
posted in head office.
6. To provide vehicles to field officers through
Outsourcing.
Others:-
Additional Registrar (Administration) has all the Rights of
Registrar Cooperative Societies, Punjab under Punjab
Cooperative Societies Act 1961 and Punjab Cooperative
Societies Rules 1963.
Responsibilities:-
1. To supervise the work of Administrative branch of the
Head Office.
2. To supervise the work of Admin, Account, Planning,
GPF, Budget and Legal Branches.
3 Additional Others:-
Registrar Additional Registrar (Distribution) has all the Rights of
(Distribution) Registrar Cooperative Societies, Punjab under Punjab
Responsibilities:-
1. To look after the Training of Officers and Employees.
2. To follow up the Audit and Special Audit of Cooperative
Societies and Institutions.
3. To look after the Elections of Cooperative Institutions.
4. Puncofed, Housefed, PICT and DCU related work.
5. To make self-help groups and implement Mai Bhago Istri
Sashaktikaran scheme in department and provide training
to female members.
6. To Supervise working of housing, Educational and
Training , audit wing and self-help group branch.
Registrar Additional Registrar (Credit) has all the Rights of Registrar
(Credit) Cooperative Societies, Punjab under Punjab Cooperative
Societies Act 1961 and Punjab Cooperative Societies Rules
1963.
Responsibilities:-
1. To Supervise the working of PSCB, CCBs, SADB, PADBs
2. To Appoint Employees of PACS, work related to
Complaints, investigation and Embezzlement of PACS.
3. To Supervise the working of Credit-1 and Credit-2
Branch
Registrar Additional Registrar (Industry) has all the Rights of
(Industry) Registrar Cooperative Societies, Punjab under Punjab
Responsibilities:-
1. To Supervise the working of Milkfed, Milk Unions, Milk
Plants, Labourfed and Labour Union.
2. To Supervise the working of Milk Supply Branch.
Registrar Additional Registrar (General) has all the Rights of
(General) Registrar Cooperative Societies, Punjab under Punjab
Responsibilities:-
1.Work related to the Amendment of Act , Rules and Bye-
laws of Apex Institutions.
2. To Supervise the working of Markfed, Sugarfed, Sugar-
Mills, Marketing and Other Processing Societies.
3. To Supervise the working of Marketing Branch.
7 Joint Registrar Others:-
(Planning) Joint Registrar (Planning) has all the Rights of Registrar
Cooperative Societies, Punjab under Punjab Cooperative
1963.
Responsibilities:-
1. To Supervise work related to Plan Schemes, SPINFED,
Vidhan Sabha Session and Statistical branch.
2. To Supervise working of planning branch and
Coordination branches.
8 Joint Others:-
Registrar(1) Joint Registrar (1) has all the Rights of Registrar
1963.
Responsibilities:-
To supervise all the work related to Primary Agricultural
cooperative societies.
To Supervise work related to credit-2 branch.
9 Joint Others:-
Registrar(2) Joint Registrar (2) has all the Rights of Registrar
1963.
Responsibilities:-
1. To Supervise the working of Markfed, Sugarfed, Sugar-
Mills, Marketing and Other Processing Societies.
2. To Supervise the working of Marketing Branch.
10 Deputy Others:-
Registrar The Rights under section 26(1d) and section 27 except
(Banking) CCBs are given to Deputy Registrar (Banking)
Responsibilities:-
1. To Supervise the working of PSCB, CCBs, SADB, PADBs
2. To Supervise the working of Credit-1 Branch.
11 Deputy Others:-
Registrar All The Rights under Punjab cooperative societies act
(Enforcement) except Rights under Section 26(1d) and Section 27 are
given to Deputy Registrar (Enforcement)
Responsibilities:-
1. To Appoint Employees of PACS, work related to
Complaints, investigation and Embezzlement of PACS.
2. To Supervise the working of Credit-2 branch.
12 Deputy Others:-
Registrar (Legal) All The Rights under Punjab Cooperative Societies Act
except Rights under Section 26(1d) and Section 27 are
given to Deputy Registrar (legal)
Responsibilities:-
1. To manage all the Court Cases of Supreme Court, High
Court and Lower Courts .
2. To Supervise the working of Legal Branch.
13 Assistant Others:-
Registrar(educa The Rights under Cooperative Societies Act Section 8, 9,
tion) 10, 11, 13, 25,26(1a), 28, 42, 48, 49, 50, 51, 52, 55,
56, 57, 58, 59, 61, Section 63 Clause A and
Provision under Section 63 clause C, Section 65, 66, 67,
73, 82(2) and 83. Besides this, Rights under Section
26(1d) and Section 27, Section 15(a), The Rights under
Cooperative Societies Rules 8, 10, 12, 15, 27, 38, 39,
43(1), 46, 47,48, 49, 50, 51, 52, 53, 54,
55,56,57,59, 60, 61, 62, 63, 65, 67, 68, 69 and 70
and Rights under Appendix C part 1 Rule 1(b),(d),4 10
under Cooperative Societies Rules 1963H
Responsibilities:-
1. Education and Training of Officers and Employees of
department.
2. Work related to Puncofed, PICT and DCUs.
3. Regarding Amendments of Act, Rules and Bye-laws of
Apex Institutions.
4. Work regarding Elections of Apex Institutions.
5. Work regarding Celebration of Cooperative Week.
6. To Supervise Education and Training in the Department.
14 Assistant Others:-
Registrar(Audit) The Rights under Cooperative Societies Act Section 8, 9,
10, 11, 13, 25,26(1a), 28, 42, 48, 49, 50, 51, 52, 55,
56, 57, 58, 59, 61, Section 63 Clause A and
provision under Section 63 clause C, Section 65, 66, 67,
73, 82(2) and 83. Besides this, Rights under Section
26(1d) and Section 27, Section 15(a), The Rights under
43(1), 46, 47,48, 49, 50, 51, 52, 53, 54, 55,
56,57,59, 60, 61, 62, 63, 65, 67, 68, 69 and 70 and
Rights under Appendix C part 1 rule 1(b),(d),4 10 under
Cooperative Societies Rules 1963H
Responsibilities:-
1. Work as APIO Of the Department.
2. Audit of all kind of Cooperative Societies and Apex
Institutions.
3. To Ensure the compliance of Special Audit reports of all
kind of Cooperative Societies and Apex Institutions issued
by Chief Auditor Punjab.
4. Work related to Audit fees and inspections of JRs.
5. Work related to Audit Compliance Committee meetings.
6. Work related to the Empanelment of Chartered
Accountant for Audit.
7.To supervise work related to all sort of audit through
education and training branch.
8. To Supervise the working of RTI Branch.
15 LAR Others:-
The rights under cooperative societies act section 8, 9,
10, 11, 13, 25,26(1a), 28, 42, 48, 49, 50, 51, 52, 55,
56, 57, 58, 59, 61, section 63 clause a and provision
under section 63 clause C, section 65, 66, 67, 73, 82(2)
and 83.Besides this rights under section 26(1d) and
section 27, section 15(a), The rights under cooperative
societies rules 8, 10, 12, 15, 27, 38, 39, 43(1), 46,
47,48, 49, 50, 51, 52, 53, 54, 55,56,57,59, 60, 61,
62, 63, 65, 67, 68, 69 and 70 and rights under
Appendix c part1 rule 1(b),(d),4 10 under cooperative
societies rules 1963H
Responsibilities:-
1. To Supervise the work of women Cooperatives.
2.To implement Mai-Bhago Istri Sashaktikaran Scheme and
Self Help Group.
3. To provide Training to the women members of the Self
Help Group.
4 work related to Milk and milk producer cooperative
societies.
5. Work related to Labour and construction societies and
industrial societies.
16 JR (Division Financial:-
Level) 1. Rights of Drawing and Disbursing Officer.
2. Right to clear Medical Bills worth 50000(as DDO).
3. Right to give permission for official expenditure worth
25,000 (as DDO).
50,000 (as Controlling Officer).
Responsibilities:-
1. To Supervise and Control the working of Officers and
employees entire division.
2. To Ensure working of division in accordance to
instructions, Act, Rules and Bye-laws passed by head
office.
3. To act as Appellant authority against the decisions
passed by Deputy Registrar.
4. To Supervise the working of Cooperative Societies in the
entire division.
5. To ensure development of Cooperative movement in
the entire division.
6. To make appropriate arrangement for the disbursement
of loans.
7. To ensure availability of Fertilizers and Insecticides in
the primary cooperative agricultural societies.
8. To ensure Audit and Inspections of Cooperative
Societies within the division.
9. To ensure Compliance of Audit and inspection notes
within the division.
10.To provide reports to head office.
11. To ensure working of the Division in accordance to the
instructions laid down by head office.
17 Deputy Administrative:-
Registrar 1. To appoint Clerks and Class-4 Employees and the right
( District Level) to Punishment.
2. The Right to issue the retirement orders.
Financial:-
1. Rights of Drawing and Disbursing Officer.
2. Right to clear Medical Bills worth 50000(as DDO).
3.Right to give permission for official expenditure worth
25,000( as DDO).
Others:-
All The rights under Punjab Cooperative Societies Act
except rights under Section 26(1d) and Section 27,
Consumer store and CCBs, are given to Deputy Registrars.
Responsibilities:-
1. To Supervise and control the working of Officers and
employees entire district.
2. To ensure working of district in accordance to
instructions, Act, Rules and Bye-laws passed by head
office.
3. To act as Appellant Authority against the decisions
passed by Assistant Registrar.
4. To supervise the working of Cooperative Societies in the
entire district.
the entire district.
6. To make appropriate arrangement for the disbursement
of loans.
7. To ensure availability of fertilizers and insecticides in the
primary cooperative agricultural societies.
8. To ensure Audit and Inspections of Cooperative
Societies within the district.
9. To ensure Compliance of Audit and inspection notes
within the district.
11. To ensure working of the district in accordance to the
instructions laid down by head office.
18 Assistant Administrative:-
Registrar 1. The Right to appoint Class-4 Employees and the right to
(circle wise) Punishment.
2. The Right to issue the retirement orders.
Financial:-
1. Rights of Drawing and Disbursing Officer.
25,000 (as DDO).
Others:-
1. To register the Cooperative Societies.
2. To register the Bye-Laws of Cooperative Societies.
3. To amend the Bye-Laws of Cooperative Societies.
4. To cancel the Registration of Societies.
5. To conduct elections of the societies.
6. To remove the Committee of the Society.
7. To appoint Administrator of the societies.
8. To inspect the society.
9. To investigate the societies.
10. To audit the societies.
11. To appoint the liquidator of the society.
12. The Rights under Cooperative Societies Act Section 8,
9, 10, 11, 13, 25,26(1a), 28, 42, 48, 49, 50, 51, 52,
55, 56, 57, 58, 59, 61, Section 63 Clause A and
provision under Section 63 Clause C, Section 65, 66, 67,
73, 82(2) and 83. Besides this Rights under Section
26(1d) and Section 27, Section 15(a), The rights under
43(1), 46, 47,48, 49, 50, 51, 52, 53, 54,
55,56,57,59, 60, 61, 62, 63, 65, 67, 68, 69 and 70
and rights under Appendix C part 1 Rule 1(b),(d),4 10
under Cooperative Societies Rules 1963H
Responsibilities:-
the entire circle.
2 To Supervise the working of Cooperative Societies in the
entire circle.
3.To make appropriate arrangement for the disbursement
of loans.
4.To ensure availability of Fertilizers and Insecticides in the
primary cooperative agricultural societies.
5.To ensure Audit and Inspections of Cooperative Societies

within the circle.
6. To ensure adherence to audit and inspection notes.
8.To ensure working of the district in accordance to the

instructions laid down by Head Office.
9.To ensure working of circle in accordance to instructions,

Act, Rules and Bye-laws passed by Head Office.
10. To supervise and control the working of officers and
employees of the entire circle.
b) The changes during the year in organizational structure and staff strength be
mentioned and analyzed with respect to their effect on efficiency.
 During the year 2017-18 the staff strength of the Cooperative Department was as
follows:
Sr. No Group Sanctioned Filled Vacant
1 Additional Registrar 05 05 00
2 Deputy Registrars 25 21 04
3 Joint Registrars 06 04 02
4 Assistant Registrars 83 53 30
5 Inspector 835 341 494
3 Vision, Mission & Goals
a) Vision (Long-term Transformational objectives):

Promotion of member owned autonomous and democratically managed
Cooperative Societies.
b) Mission (Achievable Tasks):

To provide conducive environment for encouraging people for voluntary
formation of Cooperative Societies.
c) Goals (Specific, Measurable, Attainable, Relevant, Time-based (as
contained in the department's 4SAP/AAP)
Objectives of the Department include providing Short Term and Long Term
credit to the farmers through Punjab State Cooperative Bank and Punjab
State Cooperative Agricultural Development Bank respectively and also
timely supply of fertilizers and agro-chemicals to the members of Cooperative
Societies. To raise the economic status of the members by way of various
parameters. To ensure empowerment of women members and also by
providing health care to the members of Cooperative Societies and their
families. Objectives of the Department also include improving internal
efficiency, transparency and service delivery.
i) Short-term (one-year):
To make the staff members capable of using the latest procedures, manual of
department and instructions of government.
ii) Long-term (two to four year):
To improve the quality of inspection and Computerization of the work of the

Department.
d) A summary of existing policies, future policy reforms & specific plans to

achieve long-term goals:
Purpose
 To provide Short Term loan to members of cooperative societies through
Punjab State Cooperative Bank.
 To provide Long Term loan to members through Punjab State Cooperative
Agricultural Development Bank.
 To ensure timely supply of Fertilizers and Agrochemicals to the members.
 Women Empowerment
 To take care of the health of members and their family members.
Content
 To ensure good financial discipline in State Cooperative Societies and Apex
institutions .
 To ensure transparency and accountability in day to day work.
Deliverables
 IWDMS system implemented in the Department.
 Court cases monitoring through IWDMS ensured.
 New Agro Service Centres established in PACS and Existing Agro Service
Centres upgraded.
 Ensured adequate supply of fertilizers to the members of the PACS, timely
Fertilizer Policy drafted and timely indenting and supply of fertilizers ensured
through Markfed and IFFCO.
 Raised the economic status of Members through allied activities under
various parameters of Milkfed.
 Women Empowerment ensured through Mai Bhago Istri Sashaktikaran

Scheme of the Department.
 Bhai Ghaniya Sehat Sewa Scheme helped to provide health cover to the
members of Cooperative Societies and their families.
e) Comparative targets/Performances of the current year and last two

years. Analyze reasons for changes in annual targets and trends in
performances of each Program/Project at all administrative levels i.e.
District, Block, Town & Village):
nd
S.n Program/ Current year (FY 2017-18) Previous year (2016-17) Previous 2 year
o project (2015-16)
Target performance Target performance Target performan
ce
1 Plan 259744200 2200057900 308000000 2293145000 4562263 38678630
schemes 0 0 000 00
2 Non plan 586351000 530663905 557481000 529991000 6175510 59284800
schemes 00 0
4 Organizational SWOT Analysis
Strength: (steps taken by organization to leverage its strengths)
 Short-term credit is supplied to members through Punjab State Cooperative
Bank (PSCB).
 Long-term Agricultural Credit through Punjab State Cooperative Agricultural
Development Bank (SADB).
 Department ensures supply of Fertilizers; DAP, Urea through Markfed and
IFFCO by timely assessing the demand for timely supply through
Cooperative Societies and finalizing the Policy well in time in this regard and
also ensuring the timely supply of Agrochemicals.
 Department raises the economic status of members through Milkfed by way
of increasing their income through sale of Milk under various parameters of
Milkfed.
 Updating Rules.
 Coordinating Co-operative activities with other institutions;
 Preparation of programmes and policies for the Co-operative Sector; Data
collection and publication of reports on co-operatives and the Co-operative
Movement;
 Assisting Co-operative societies in modernizing their activities and in
attaining financial and functional autonomy
 Weakness: (steps taken to remove it's weakness)

No weakness.
 Opportunity: (Steps taken to leverage new opportunities)

The recruitment of Inspectors and Senior Assistants is under process.
 Threats: (Steps taken to mitigate threats to organisation)
Demonetization and Liquidity problem were the significant challenges to the
Punjab State Cooperative Bank and Punjab State Cooperative Agricultural
Development Bank respectively in the amount of Short Term credit and Long
Term Credit advancement to the members and its recovery.
a) Provide a summary of the outcomes from surveys, benchmarks for data
action, and other assessment metrics for schemes and programmes of
the organisation. Include data pertinent to the operations of the
organisation.
Review of activities in the department during the past financial year:-
 PUNJAB STATE COOPERATIVE BANK LIMITED CHANDIGARH
The Punjab State Cooperative Bank {PSCB} at the Apex level was registered
on 31-8-1949 at Shimla. Its head-quarter was shifted to Jalandhar in 1951
and then to Chandigarh in 1963.This Bank has been playing a pivotal role by
delivering, directing and supervising the Cooperative credit not only to the
farm sector, but also to the non-farm sector. This Bank has 20 affiliated
Central Cooperative Banks in the State of Punjab. The membership of the
Punjab State Cooperative Bank was 23 as on 31-03-2018 consisting of
Central Cooperative Banks, Apex Cooperative Institutions, Other Cooperative
Societies and Govt of Punjab. The important statistics of the Bank are given
below: -
(Rs.in lacs)
Sr. No. Particulars 2016-2017 2017-2018
1 Membership 23 23
(In units)
2 Share Capital 15940.06 16377.86
3 Owned Funds 59850.48 63164.44
4 Working Capital 915908.52 814883.43
5 Deposits 264329.63 279436.32
6 Loan advanced 1020153.48 883615.04
7 Profits 3839.28 3673.62
8 Business turnover 3014807.62 3221723.60
The Punjab State Cooperative Bank Ltd. is a premier Financing Institution

and is serving as a link between National Bank for Agriculture & Rural
Development (NABARD) and the Central Cooperative Banks for availing
of agricultural production credit at concessional rate of interest. The Bank
takes care of the training needs of the employees of its affiliated Central
Cooperative Banks and cooperative agricultural service societies through its
training institute with all the facilities of modern education and training
namely Agriculture Cooperative Staff Training Institute located at
Jalandhar.
CENTRAL COOPERATIVE BANKS:
The second tier is of Cooperative Banks in Punjab which comprises of 20
Central Cooperative Banks which are having their 802 branches all over the
State which are catering to the banking and credit needs of the people of the
State. The Comparative Figures are given below:-
(Rs.in lacs)
1 Membership {Actual} 3543 3543
2 Share Capital 51908.74 60974.59
3 Owned funds 218126.25 224837.30
4 Deposits 1384324.52 1383670.17
5 Working capital 2183928.90 2197475.34
6 Loan advanced 1491488.18 1247465.51
7 Amount of profit -3424.34 -2851.70
8 No. of 'A' Class Banks 10 11
All the Central Cooperative Banks (CCBs) in the State are advancing Short
Term, Medium Term and Long Term loans, out of which the major proportion
is of Short Term Agri Crop Loans to farmers, in accordance with Scale of
Finance fixed by RCS, Punjab. In addition, the CCBs are advancing direct
loans to individuals, cash credit limits to traders, and Revolving Cash Credit
to farmers to fulfill their socio-economic needs. The CCBs are playing a
pivotal role in women empowerment through advancement to Self Help
Groups.
All District Central Cooperative Banks in State have advanced Rs. 8643.12
crore during the financial year 2017-18.
 PUNJAB STATE COOPERATIVE AGRICULTURAL DEVELOPMENT
BANK LIMITED CHANDIGARH.
Punjab State Cooperative Agricultural Development Bank Ltd. {PSCADB}

was established in the year 1958 with the objective of providing long term
credit to the farmers for agricultural and allied activities. Bank is providing
long term credit to the farmers in the State through its 89 Primary Agricultural
Development Banks (PADBs). The Bank has done commendable work in
providing Loans for minor irrigation projects and purchase of Tractors,
concentrated on diversifying its loan portfolio. It has also financed Non farm
sector activities such as Atta Chakki, Saw Mills, Restaurants, Vans, Cattle,
Poultry and many more. The Bank has introduced a number of new schemes
like Rural housing, Loan for Higher Education, Loans for financing
Educational Institutions, Rainwater Harvesting tanks, Poultry/Dairy Schemes,
Commercial Production, Units of organic inputs, Development/ Strengthening
of Agricultural Marketing Infrastructure. For empowerment of women, the
Bank has set up a Women Development Cell in the Bank. The Bank has also
set up farmers club in each bank for the Redressal of problems faced by
farmers.
(Rs. in lacs)
1 Membership 91 91
(Units)
2 Share capital 7716.65 7802.44
3 Owned funds 44971.23 44661.11
4 Working capital 371264.08 376321.31
5 Loan advanced 49022.07 28562.51
7 Profit/Loss 1081.09 828.95
PRIMARY CO-OPERATIVE AGRICULTURAL DEVELOPMENT BANKS.
At the close of the year 2017-2018, there were 89 Primary Cooperative

Agricultural Development Banks in the State. These banks provide long term
credit to the farmers both for agricultural and non-agricultural purposes. The
comparative figures are given below:-
(Rs. in Lacs)

1 Membership (Unit) 851145 840989
2 Share capital 16253.01 16055.01
3 Owned funds 54717.43 43269.87

4 Working capital 475742.33 498324.26
5 Loan advanced 48898.1 28909.10
 During the year 2017-18 bank has disbursed loan amounting to Rs. 289.08
Crore .
 Bank charges simple interest on its loans.
 Bank has recovered Rs 378.00 crore from the loanees during Rabi season.
 Female loanees are exempted from loan fees.
 Female loanees get 0.50% rebate in interest rate.
 Computerisation of PADBs was done by NIC New Delhi which implemented
computerization in 4 phases in 89 PADBs. Bank has also implemented CCBS
Application password policy. Primary Banks have also completed the work of
verification of digitized data.
MARKETING COOPERATIVES
The Punjab State Cooperative Supply and Marketing Federation Limited is
known by its abbreviated name (MARKFED). Markfed was registered on
02.09.1954 with a membership of 53. As on 31.03.2018 the membership of
the Federation was 3101. It has enlarged its area of operation as its products
are marketed in India and other countries of the world. It is Asia's biggest
cooperative venture which helps the farmers in the marketing of their produce
through Primary Cooperative Marketing Societies. It has 20 Distt. Level
Offices with its Head Office at Chandigarh. It serves the farmers through its
affiliated PACS and Cooperative Marketing Societies and also through its
branches & Agro- Service centres by supplying quality fertilizers, pesticides
and insecticides to the farmers. It also works as a Government procurement
agency and ensures Minimum Support Price for the farmers' produce
especially for Wheat and Paddy. It is the single largest supplier of fertilizers
to the farmers in the cooperative sector in the State. The scheme to supply
fertilizer through it, has been modified from time to time so as to meet the
requirements of the farmers to the fullest extent through Primary
Cooperative Agricultural Service Societies.
The achievements of Markfed during the years under review are given here
below:-
(Rs.in lacs)
Sr.No. Particulars 2016-2017 2017-2018
1 Total Share Capital 2006.07 2006.07
2 Owned funds 28074.25 28074.25

3 Working Capital 1032107.21 1133492.36
4 Value of Agri. 1060676.54 1197185.92
Produce Procured
i) PROCUREMENT: Procurement is one of the main activities of Markfed.

Markfed procures wheat, paddy on behalf of Govt. of India/ FCI as part of
Minimum Support Price (MSP) policy.
a) WHEAT: The procurement of wheat during the period under review is as
below:-
(Figures Qty.: Lac MT)
Wheat Activity 2016-17 2017-18
Procurement 21.52 24.30
b) PADDY & RICE: The details of paddy procured by Markfed during the period
under review are as under:-
Paddy Activity 2016-17 2017-18
Procurement 36.50 lac MT 38.99 lac MT
Delivery of Rice to 64.79% (Upto 92.69%
FCI (%) March 2017) (Upto March 2018)
ii) AGRI-INPUTS: Markfed undertakes distribution of fertilizers, Agro-chemicals

and seeds etc. through cooperative societies in the state of Punjab.
a)Fertilizers:-Markfed has been appointed as a nodal agency for procurement &
distribution of DAP fertilizers through cooperative societies for the last few years
The Sale of Fertilizer for the period under review is as under:-
(Figures Qty.: LAC MT)

FERTILISER -distribution 2016-17 2017-18
Urea 7.98 7.44
DAP 2.60 1.65
Others 0.37 0.01
Total of all Fertilizers 10.95 9.10
b) AGRO CHEMICALS: - The Sale of Agro-chemicals for the period under review
is as under:-
Agro-chemicals 2016-17 2017-18
Sale (Rs. Crore) 39.06 37.63
iii) Manufacturing of edible products & non-edible products:

Markfed has 4 Agro based processing units for manufacturing SOHNA brand
Vanaspati, Refined Oils, Processed & Canned foods and Markfed Cattle
feed.
iv) EDIBLE PRODUCTS:
a) Markfed Vanaspati and Allied Industries (MVAI), KHANNA: MVAI, Khanna

produces range of Vanaspati & Edible refined oils including Cotton Seed,
Sunflower, Mustard, Groundnut and Soyabean Oils. The unit also manufactures
Kachi Ghani & Pakki Ghani Mustard Oils. For better logistics/marketing, the
plant also outsources Vanaspati, Atta & Salt. The details of Production/sale of
Vanaspati and oils for the period under review are as under:
Khanna Plant 2016-17 2017-18
Vanaspati & Oil -Production (in KL) 28268 20496
Vanaspati & Oil -Sale (in KL) 28751 20278
Atta (MT) 695 769
Salt (MT) 245 561
b) MARKFED CANNERIES,JALANDHAR:- The Cannery is producing Ready To
Eat canned food products like Sarson ka Saag, Daal, Mutter Paneer, Honey,
Chatpata Chana, Karhi- Pakora, Palak Paneer, Black Chana, Rajmah,
AlooMethi, AlooPalak etc. Besides this, the bottled food products i.e. Tomato
Ketchup, Tomato Puree, Mixed Fruit Jam, Synthetic Vinegar, Honey & Fruit
Drinks are also produced. This is mainly an export-oriented unit and about 80%
of ethnic Punjabi/ North Indian food is exported to countries like America,
Europe, Middle East, Australia etc. The unit also supplies these items to Indian
Army through Army Purchase Organization (APO). The production of spinach
(Palak) puree has been initiated in Markfed Canneries, Jalandhar during the
period under review.
v) NON-EDIBLE PRODUCTS:
a) Kapurthala Cattle Feed Plant: During the year 2017-18 the plant has earned a
profit of Rs. 10.14 Crore The sale during the year 2017-18 was Rs. 6618.27
lacs.
b) Gidderbaha Cattle Feed Plant: During the year 2017-18 the plant has earned a
profit of Rs. 3.02 Crore. The sale during the year 2017-18 was Rs. 3889.91 lacs.
c) Mohali Plant: During the year 2017-18 the plant has earned a profit of Rs. 3.05
Crore. The sale during the year 2017-18 was Rs. 3722.74 lacs
.
PRIMARY CO-OPERATIVE MARKETING SOCIETIES
At the end of 2017-2018, there were 83 Primary Cooperative Marketing
Societies in the State, out of which 77 Societies were functioning and 6 societies
were under winding up. The progress made by these cooperative marketing
societies is as under:
(Rs. In lacs)
1 No. of Coop. Marketing Societies. 84 83
2 Membership Actual 56998 55751
3 Share Capital 284.99 189.13
4 Owned Funds 4771.91 5075.92
5 Working Capital 9749.38 11695.26
6 Value of procured Agri. produce 196342.18 162920.2
During the year under report out of the above 83 cooperative marketing
societies, 62 earned a profit to the tune of Rs 647.48 lacs, 11 suffered a loss
amounting to Rs. 255.57 lacs.
Achievements:
 Work of opening 110 booths has been started to strengthen the sales network
and also providing employment to unemployed youth in first phase.
 Opened VIRSAGRAM to provide platform to self help groups for marketing of
their products.
 Started its own retail chain in the name of Markfed Bazaar at Chandigarh,
Amritsar, Ludhiana and Jalandhar with a view to expand its market base.
 Launched a Mobile APP and for sale of Markfed products in tri-city (Chandigarh,
Mohali & Panchkula) through online mode.
 Calf starter feed has been launched in September, 2017. New variants of Cattle
feed i.e. Markfed 5000 and Markfed 8000 have been launched in October, 2018
 Tender for setting up a new cattle feed plant with production capacity of 150 TPD
expandable up to 300 TPD has been awarded. The work is under process.
Covered Godowns for storing food grains by Markfed
 Markfed is procuring approximately 20% to 25% of the food grains (wheat and
paddy) on behalf of FCI.
MILK COOPERATIVES
The Punjab State Cooperative Milk Producers’ Federation Limited (Milkfed)
came into existence in the year 1973 to improve dairy farming in the state
of Punjab. The primary aim was to provide a lucrative milk market to the state
milk producers by value addition and marketing of produce. Another of its
objective was to provide technical inputs for the enhancement of milk
production.
Though the federation was registered quite earlier, it came into its real form in
the year 1983 when the milk plants of the former Punjab Dairy Development
Corporation Limited were granted to the Cooperative Sector under Operation
Flood. The move was carried out in the state to provide better deal to the
farmers and better products to the customers.
Milkfed is set-up as a three- tier system with Federation as the apex body at
the State Level, Milk Unions at the District Level and Cooperative
Societies at the village level. The organization has continuously advanced
towards its coveted objectives well defined in its bylaws.
Village Cooperative Society

A Milk Producers Dairy Cooperative Society (MPCS) is formed by milk
producers. Any producer residing in the operational area of the MPCS can
become a DCS member by buying a share and committing to sell milk only to
the society. Each MPCS has a milk collection centre where members pour
milk every day. Each member's milk is tested for quality with payments
based on the percentage of Fat and SNF. At the end of each year, a portion
of the DCS profits is used to pay each member a patronage bonus based on
the quantity of milk poured.
District Milk Union
A District Cooperative Milk Producers' Union is owned by dairy cooperative

societies. The Union buys all the societies' milk, then processes and markets
fluid milk and products. Most Unions also provide a range of inputs and
services to the MPCS and their members: feed, veterinary care, artificial
insemination to sustain the growth of milk production and the cooperatives'
business. Union staff train and provide consulting /extension services to
support DCS leaders and staff.
Milk Federation
The District Cooperative Milk Producers' Unions in a state form a State

Federation, which is responsible for marketing the fluid milk and milk
products of member unions. The federation also manufactures feed and
extends support to the milk unions for other activities. Milkfed has a strong
network of 5603 Milk Producers Cooperative Societies having around 3.2
lakh producer members in Punjab which are being serviced through 11
District Unions, 10 milk processing plants, 2 cattle feed processing units, one
semen station and one seed (fodder) processing unit. Milkfed has a
processing capacity of 26 lakh litres of milk per day and is marketing its
products in 11 states of India spanning from J&K to Assam and also
exporting its ambient milk products in various countries like Middle East,
parts of Asia, and Oceania.
Objectives of Milkfed
 To ensure quality milk procurement at remunerative price coupled with
improved animal productivity for reducing cost of milk production for
sustainable growth of the milk producers
 To ensure Quality Assurance in procurement, processing & marketing and
enhancing efficiency in the entire value chain
 To improve fiscal management by optimizing the returns on capital
 To embrace innovation in the entire value chain for consumer delight
 To provide quality extension services at the door steps of milk producers
 To ensure acquisition, development and retention of competent manpower
 To ensure continual modernization in the entire value chain through effective
leveraging of technology
 To ensure brand equity
I. Physical & Financial Performance of Milkfed
Table - A : Annual Achievement of Milkfed & its affiliated 11 nos. of Milk
Unions.
(Rs. in lacs)
1 Functional Dairy Cooperative Society (Nos – 6751 6286
Cumulative)
2 Milk Producer Members (Nos. In Lakh) 3.61 3.47
3 Milk Procurement Avg. ( LKGPD ) 14.85 17.80
4 Peak Milk Procurement Avg. ( LKGPD ) 21.77 25.67
5 Liquid Milk Marketing ( LLPD ) 9.57 9.94
6 Turnover ( Rs. in Crores ) 2967 3417
7 Chilling Capacities (MCCs + BMCs) – (LLPD) 21.20 22.63
8 BMC Installed ( Nos - Cumulative ) 672 769
9 Milk Processing Capacity ( LLPD - Cumulative ) 20.0 20.0
10 Drying Capacity (MTPD) 75 75
11 Cattle Feed Plant Capacity (MTPD) 500 500
*Data represented is Inclusive of all Milk Unions
Milk Procurement
 Milkfed’s average daily milk procurement during 2017-18 was 17.80 lakh kg per
day as against 14.85 lakh kg per day in 2016-17 thereby registering an increase
of 19.8%.
III. Turnover
 During the year 2017-18, the overall turnover of Milkfed and its affiliated Milk
Unions stood at Rs.3417 Crores as compared to Rs.2967 Crores during 2016-17
i.e an increase of 15% over previous year.
IV. Financial Performance of Milkfed

( Rs. in Lakhs )
1 Share Capital 3,072.42 3,072.42
2 Net Worth 10,091.88 18,702.33
3 Working Capital 10,183.34 8,043.99
4 Total Turnover 24,564.99 51,210.21
5 Net Profit 962.85 718.14
6 Wage Turnover Ratio 12.34 6.29
7 Short Term Borrowings 15,957.17 15,061.61
.
V. Financial Performance of Milk Unions ( Rs. in Lakhs )
1 Share Capital 2,139.36 2,234.50
2 Total Turnover 2,72,203.54 2,91,406.31
3 Net Profit (Before Tax) 1,936.15 809.79
4 Wage Turnover Ratio 6.24 5.5
5 Short Term Bank 24077.85 49026.67
Borrowings
6 Long Term Borrowings 5,663.46 3,530.99
VI. Processing Infrastructure

 With an objective to improve the chilling infrastructure, about 97 bulk milk
coolers were installed by the milk unions in the villages during 2017-18 thus
taking the overall tally of BMCs to 769.
 Chilling Capacity at the end of 2017-18 increased to 22.63 lakh litres per day
from 21.20 lakh litres per day in 2016-17.
 New modern dairy with 12000 LPD ice cream unit was setup and commissioned
at a cost of Rs.22 Cr (GOI Grant & NCDC Loan) in Bathinda.
 A new refrigeration unit & ice candy unit was installed at Chandigarh Dairy as
well as upgradation of the plant was done with a Project Outlay of Rs.10 Cr.
Marketing
 Milkfed during 2017-18 shifted from its conventional marketing to that of

Centralised Marketing system and setup four dedicated Verka Sales Depot in
Punjab at Bathinda, Jalandhar, Ludhiana & Mohali for the sale of ambient and
long shelf life Milk Products.
 Milkfed also introduced the concept of Clearing & Forwarding Agent for avoiding
non sales activities by setting up 1 C&FA at Guwahati for looking after the sales
of Verka Milk Products in the virgin markets of NE States.
Systems
In 2016-17, Milkfed had embarked upon the plan of adoption of Information

Technology for digitization at office.
(a) Digital Communication

 Milkfed started using email services from NIC with the domain verka.coop.
Email accounts have been provided to all the employees in the cadre of clerks
and above for official and inter departmental use.
(b) E-office
 With the objective of achieving less paper work, Milkfed implemented eoffice in
the year 2017-18 which enables scanning, registering and routing of the
correspondences along with the creation of files noting, referencing,
correspondence attachment, draft for approvals and finally movement and
tracking of files as well as receipts.
(c) Digital Records Knowledge Management
 In order to increase the knowledge base of not only its employees but also of the
consumers of Verka milk and milk products , information related to various
activities pertaining to dairying and allied activities being taken up by Milkfed is
shared in Verka’s website. Further, various policy related, official orders are
being circulated in PDF formats to all the concerned employees on a regular
basis through email.
Awards received during 2017-18

 Four Verka Dairies, viz; Mohali, Ludhiana, Jalandhar & Patiala were the
recipients of the Quality Mark Logo awarded by NDDB for adhering the
necessary quality guidelines laid down by NDDB.
 Mohali Dairy received “NDDB Dairy Excellence Award” for the Best Milk
Cooperative for Management Excellence, Value to Farmers, Social & Gender
Inclusion in Northern India.
 SUGAR COOPERATIVES
Sugar Cooperatives were set up to ensure remunerative price of
sugarcane to the sugarcane growers. The Punjab Stare Federation of
Cooperative Sugar Mills Ltd, (Sugarfed Punjab) is an Apex Cooperative
Institution established in 1966 under the Punjab State Cooperative Societies
Act 1961 as an advisory body to facilitate and coordinate the working of
Cooperative Sugar Mills in the State of Punjab. Sugarfed Bye-Laws had
been framed in the year 1966 and subsequently amended from time to time
which lay down objects of the federation, share Capital Funds, Membership,
Liabilities, Cessation from Membership, Maximum Credit Limit, Transfer of
Shares, Generals Body, Board of Directors, Disqualification for the Members
of the Board, Powers and Functions of the Board, Powers and Duties of
Chairman and Managing Director, Allocation of Profits, Audit and Inspection
etc.
The membership of the Federation as on 31.3.2018 was 16, consisting of 15
Cooperative Sugar Mills and 01 State Government. Out of 15 Cooperative
Sugar Mills , nine at Ajnala, Batala, Budhewal, Bhogpur, Fazilka, Gurdaspur,
Morinda, Nakodar & Nawanshahr are operational and three at Patiala, Zira
& Tarntaran are closed and are presently under Liquidation since 3.11.2005,
7.4.2005 & 10.3.2006 respectively. The land of other three Cooperative
Sugar Mills under Liquidation at Jagraon, Budhlada & Faridkot has already
been transferred to PUDA under OUVGL Scheme, while the machinery of
Jagraon & Budhala was disposed off and that of Faridkot shifted to Bhogpur.
The details of membership and comparative figures of SUGARFED,
Punjab, are as under: -
(Amount: Rs. in lacs)
Sr.No. 2016-17 2017-18
1 Membership (units)
Govt. 1 1
Sugar Mills 15 15
Total 16 16
2 Share Capital
Govt. 20.00 20.00
Govt 168.38 -
(For Citric Acid project)
Sugar Mills 475.64 475.64
Total 664.02 495.64
3 Own Funds 1389.56 1227.73
4 Working Capital 308.04 339.94
5 Business Turnover 357.62 337.36
The comparative figures of nine operational Coop. Sugar Mills are as

under: -
(Amount: Rs. in lacs)
Sr.No. 2016-17 2017-18

1 Membership (Units)
i. Government 8 8
ii. Individual (Growers) 162961 163177
iii. Societies 5095 5096
iv. Sugarfed 1 1
Total 168065 168282
2 Share Capital
i. Govt. 16600.41 18330.41
ii. Individual (Growers) 2666.61 2683.48
iii. Societies 136.84 136.86
iv. Sugarfed 132.00 132.00
v. Share Deduction Money 832.29 847.05
Total 20368.15 22129.80
3 Owned funds 30976.60 32742.22
4 Working capital 11725.41 -1843.18
5 Cane crushed (in Lac 194.05 223.53
quintals)
6 Sugar Produced (in Lac 18.42 21.19
quintals)
Operational performance of Cooperative sugar mills for the year 2017-

18:- Nine functional Cooperative Sugar Mills crushed 223.53 lacs quintals cane
during 2017-18 as compared to 194.05 lacs quintals during 2016-17, which is as
under: -
Sr.No Year Cane Sugar Sugar Area under cane

Crushed (Lac Recovery (%) Produced cultivation of
Qtls) (Average) (Lac Qtls) CSMs (Hectares)
1 2017-18 223.53 9.48 21.19 62145
Achievements of SUGARFED, Punjab:

 During the year 2017-18 cooperative sugar mills crushed 223.53 lac quintals of
cane as compared to 194.05 lac quintals crushed in 2016-17.
 Area under sugar cane cultivation was increased to 62145 hectares during
2017-18 as compared to 58262 hectares during 2016-17.
 State Govt. has fixed cane price of Rs. 310/- per quintal for 2017-18 against Rs.
255.00 per quintal fixed by Central Govt. as Fair & Remunerative Price. The
State Government provides loan to Cooperative Sugar Mills every year to clear
cane arrears. For this purpose, the State Government provided Rs. 178.00
crore for 2016-17 and Rs. 115.66 crore for 2017-18.
 Keeping in view the economic growth and long standing demand of farmers of
Doaba area the existing crushing capacity of 1016 TCD per day of the oldest
cooperative sugar mill at Bhogpur which was installed in the year 1956-57 is
being enhanced to 3000 TCD per day and a 15 MW co-generation plant also
being installed. The work on the project is going on and is expected to be
completed by March-April, 2019.
Incentive to the Farmers of the State:

The Coop. Sugar Mills pay the State Advised Price of Sugarcane to the cane
growers of the State which is more than Fair Remunerative Price fixed by
Central Government. State Govt. has fixed cane price of Rs.310/- per quintal for
2017-18 against Rs.255.00 per quintal fixed by Central Govt. as Fair &
Remunerative Price. The State Government provides loan to Coop. Sugar Mills
every year to clear cane arrears. In view of payment to the farmers on State
Advise Price (SAP) basis for sugarcane instead of Fair Remunerative Price
(FRP) by the Cooperative Sugar Mills, an excess price of Rs. 1624.13 Crore had
been paid from the years 2001-02 to 2019-20. The Coop. Sugar Mills are being
provided assistance by the Govt. of Punjab in the shape of loan instead of
Grant-in-Aid, due to which an amount of Rs. 2201.83 Crore (Loan Rs. 1490.99
Crore and interest thereon amounting to Rs. 710.84 Crore), is outstanding
towards liability of Coop. Sugar Mills. In view of the above, the Coop. Sugar Mills
suffered continuous losses and their net-worth has become negative and
Financial Institution are reluctant to do business with sugar Mills. Therefore Mills
could not undertake the work of modernization/ up-gradation and downstream
projects.
A memorandum has already been sent to Govt. of Punjab for conversion of
Govt. loan into Share Capital / Write-off / reimbursement.
Modernization / Expansion (Planned / Executed):

Plan is being executed by SUGARFED, Punjab to increase the capacity of the
oldest Cooperative Sugar Mills at Bhogpur installed in 1956-57 from 1016 TCD
to 3000 TCD along with Co-generation capacity of 15 MW. By enhancing the
capacity of Bhogpur CSM, the mills would be able to crush more than 40 lakh
quintal of cane available in the Bhogpur area, having high sugar recovery which
will help the mills to have financial stability and will reduce losses.
 LABOUR & CONSTRUCTION COOPERATIVES
Labour & Construction Cooperatives were organised to save the labourers

from the exploitation of the contractors. Labour & Construction Cooperatives
have three tier structure. There is Punjab State Cooperative Labour &
Construction Federation at Apex level, District Cooperative Labour &
Construction Unions at Central level and Primary Cooperative Labour &
Construction Societies at primary level. The State and District level co-
operative L/C societies help the Primary Cooperative Labour & Construction
Societies in their day-to-day working by providing them technical know-how
and assisting them to get work from work awarding agencies in respect of
skilled and unskilled work as well as sorting out various disputes/problems
with the concerned departments.
THE PUNJAB STATE COOPERATIVE LABOUR & CONSTRUCTION
FEDERATION LTD.
The Punjab State Cooperative Labour & Construction Federation Ltd. was
registered on 17.7.1956 with 6 members. The membership of the Federation
was 18 as on 31.3.2018.
The overall position of the Federation is as under: (Rs. in lacs)
1 Share capital 30.85 30.90
2 Owned funds 134.61 473.64
3 Working capital 671.59 395.25
4 Business Turnover 1836.94 1701.7
5 Commission earned during the 241.99 124.19
year
6 Profit +222.18 +110.75
LABOUR AND CONSTRUCTION UNIONS.
There were 18 District Cooperative Labour & Construction Unions as on

31.3.2018. The position of these unions is as under:
(Rs. in lacs)

1 Membership (Actual) 1579 1723
3 Owned funds 1447.96 1917.15
6 Commission earned during the 302.00 246.35
year
Out of these 18 Labour & Constructions Unions, 15 were in profit to the tune
of Rs. 271.96 lacs.
PRIMARY COOPERATIVE LABOUR AND CONSTRUCTION SOCIETIES

There were 2179 Primary Cooperative Labour & Construction Societies as on
31.3.2018 out of which 2013 were functioning. The comparative position of
these co-operative societies is given as under:
(Rs.in lacs)

3 Owned funds 2284.65 2250.89
 HOUSE BUILDING COOPERATIVES
The Punjab State Federation of Cooperative House Building Societies

Limited (Housefed) is an apex Housing Federation established in 17.11.1970
under the provision of Cooperative Societies Act 1961 for providing finance to
the primary cooperative house building societies to solve the housing
problems of their members. House Building Cooperatives are helping
construction of houses in urban as well as rural areas in the State of Punjab.
The detail of primary societies membership alongwith share capital is as
under:-
FUNCTIONS OF HOUSEFED
i) To advance housing loans to the Primary Urban & Rural Cooperative
House Building Societiesin the State of Punjab.
ii) To develop Cooperative Housing Colonies and provide built up
houses/flats. Housefed constructed various Projects in the State of
Punjab i.e Amritsar, Jalandhar, Ludhiana, Kapurthala, Bathinda,
Mohali and Banur.
iii) To undertake construction work of other Cooperative Institutions
on deposit work basis. Housefed constructed WEAVCO office and
Sehkarita Bhawan Hoshiarpur on deposit work basis.
iv) To provide loan for purchase of built up house/flat.
PERFORMANCE OF HOUSEFED
The performance of the federation for the year ending 2017-18 is as

under:-
(Rs. in lacs)
1 Membership 345 345

2 Share capital 4013.87 3902.64
3 Owned funds 24303.27 22576.47
5 Loans Recovered 2396.86 1819.81
6 Profit 2448.57 8538.76
There were 635 Primary Cooperative House Building Societies as on

31.3.2018. The working position of these cooperative societies is as under
:-
(Rs. in lacs)
1 Membership 138664 158577
2 Share capital 1839.23 2871.86
3 Owned funds 2944.66 3686.65
5 Loans Advanced 281.70 642.50
 WOMEN COOPERATIVES
Women Cooperative Societies are also playing a very significant role in the
Cooperative fold to promote and develop economic and social position of
women.. The overall position of Women Coop. Societies is as under:-
(Rs. in lacs)
1 Total No. of Coop. Societies 915 762
2 Membership 58762 63382
4 Owned funds 379.51 278.33
EDUCATION, TRAINING & PUBLICITY COOPERATIVES.

The Punjab State Cooperative Development Federation Ltd. (PUNCOFED)
previously known as Punjab Cooperative Union Ltd., was registered on
30.4.1952 with its head-quarters at Jalandhar which was later on shifted to
Chandigarh in April, 1965 with a membership of 33. The membership of
this Institution at present is 29 which consists of Apex Cooperative
Societies, District Cooperative Unions and the State Government. It is a
coordinating Apex Co-operative Institution to promote and develop the
Cooperative Movement in the State. The main object of this institution is to
promote and develop the Cooperative Movement in the State by imparting
Cooperative Education and Training to Members, Prospective Members,
Managing Committee Members, Salesmen, Secretaries/Managers of Primary
Cooperatives and to guide and assist the people in their effort to build up and
expand the Cooperative Sector and to serve as an exponent of cooperative
opinion.
EDUCATION & TRAINING:
Puncofed organize education & Training programmes. Education
Programmes are run under the supervision of Cooperative Education officers.
Awareness Camps 2017-18 Camps Members
CASS 120 2805
Milk 6 257
Women 24 898
Members 275 24889
School lecture 74 4080
Puncofed is also holding State Level Awareness Camps for elected

representatives of Central Coop. Banks, Milk Plants, Agriculture
Development Banks, Distt. Cooperative Unions and B.O.D. of Multipurpose
Societies.
OFFSET PRINTING PRESS

Puncofed has installed its own Offset Printing Press to cater to the Printing
needs of Cooperative Sector. The business for the year 2017-18 is 1.72
Crore.
MAGAZINE "PUNJAB COOPERATION"

Puncofed publishes a fortnightly Magazine "Punjab Cooperation" which carries
articles on important aspects of Cooperative Movement. Departmental Circulars,
Success Stories of Cooperatives, Court Decisions, interviews of eminent Co-
operators Balance Sheets etc. The Matter of the Magazine is now catering to the
needs of all levels of Co-operators. Special pages have been earmarked for
departmental news and activities, concern of community, news review, news
clippings, social and literary activities and legal review. Efforts have been made
to make all the pages of the magazine coloured. The Business made by the
Magazine during the year 2017-18 is 21 lakhs.
NEW ACTIVITIES
Puncofed has made its own website. Puncofed has also provided SMS
service for the members of CASS. The secretary and 5 members of the
society are sent SMS about the arrival of fertilizer in their society and
also about the quality and quantity of the fertilizers. Its achievements
during the year 2017-2018 in comparison with the last year are as under:-
(Rs.in lacs)
1 Share Capital 25.49 25.49
4 Profit/Loss +156.02 -98.6
The work relating to cooperative education and also about publicity and
propaganda of cooperatives at the district level is taken up by the District
cooperative unions. During the year, there were 17 District Cooperative Unions
in the State. The members of these unions were 5301 as on 31.3.2018.
 THE PUNJAB INSTITUTE OF COOPERATIVE TRAINING LTD.

CHANDIGARH (PICT).
The Punjab State Cooperative Bank Ltd., Chandigarh established the Punjab
State Cooperative Bankers Training Institute in 1969 for providing training to
its officers/employees and that of the Central Cooperative Banks in the State.
Later on the Punjab State Cooperative Agricultural Development Bank and
Markfed, Punjab became its members. This Institute was given the name of
"The Punjab Institute of Cooperative Training". Time to time other institutions
became its members and this Institute was registered in 1999 under Punjab
Cooperative Societies Act, 1961.
TRAINING PROGRAMMES
Every year in the month of November, training needs of the Officers/Officials
of Cooperative Apex Institutions are asked for the coming year. After
receiving their training needs, the programmes are chalked out after
discussing with the concerned officers of respective institutions and there
after the course calendar is placed before the Governing Board of the
Institution for consideration and approval. Detail of training programmes and
trainees for the last three years is as under:-
Year No. of Training Programme conducted. No. of Trainees Trained

2015-16 142 3554
2016-17 134 3212
2017-18 143 3619
 MULTI PURPOSE COOPERATIVE AGRICULTURAL SERVICE SOCIETIES
Multi Purpose Cooperative Agricultural Service Societies deliver credit to their

individual members. These cooperative societies continue to play a vital role
in meeting the credit requirements of the farmers and also in increasing
the agricultural production. By the end of the year under report there were 3927
Multi Purpose Cooperative Agricultural Services Societies in the State, out of
which 3630 Societies were actually functioning. These Cooperative Societies
are not only responsible for giving credit to the members but also responsible
for delivering consumer goods at the doorstep of the members. These
cooperative societies made progress during the year in major aspects i.e. share
capital, working capital, deposits, loan advanced, business turnover, value of
consumer goods supplied etc. The detail is given as below:
(Rs.in lacs)
2 Share Capital 4579556 5226627

3 Owned funds 128332.49 178020.2
4 Working Capital 1089863.09 2443075.15
5 Deposits 220234.10 216919.66
6 Loans advanced 1265645.19 1100285.24
Other type of Societies:-

Besides the above mentioned Cooperative Societies, there were other kind of
Cooperative Societies in the cooperative field. Below mentioned figures
reveal the position of these Cooperative Societies during the year under
report:
Sr. Kind of Coop. No. of Share Own Working
No. Societies Societies Membership Capital Funds Capital
Non-Agri. Credit
1 Societies. 642 104421 17675.99 14184.59 124052.9
Joint Farming
2 Societies. 80 3161 15.81 37.28 93.34
Poultry
3 Societies 86 2895 29.36 54.47 105.56
Cooperative
4 Cold Stores. 10 1943 20.98 96.87 253.62
5 Industrial Union. 32 819 10.01 0.2 27.46
Irrigation
6 Societies. 34 495 8.97 33.56 133.15
Fruit & Veg.
7 Mktg. Societies.. 161 3951 11.5 69.39 163.91
Supply &
8 Distribution 5 508 1.21 18.77 99.02
Other
processing
9 Societies. 2 2957 14.85 30.43 115.70
Primary
10 Sugarcane Soc. 6 56768 17.03 22.7 97.62
Garden Colony
11 Societies. 3 96 1.22 29.18 30.79
12 S.C.L.O 338 8624 1.89 48.25 21.7
b) Describe how data driven decision making and policy formulation has
been used to improve processes and programs in your organisation.
By comparing various parameters of Performance of the Department in the
previous years their specific results have been used to provide:-
 Better Loaning i.e advancement to the beneficiaries by PSCB and SADB.
 In time policy finalization regarding fertilizers, Timely indenting of fertilizers
and ensuring timely and adequate supply of fertilizers to the members of the
PACS.
 Better health cover to the members of the PACS under the Bhai Ghaniya
Scheme.
 To meet the credit requirements of the farmers and also supplying
Agricultural Inputs.
 To establish more Agro Service Centres and upgrading existing Agro Service
Centers for the benefit of the farmers.
 To help in raising the standard of living of farmers and other weaker sections
of the Society through milk cooperatives and also to provide better animal
health care through Milkfed.
 To provide up-to-date training on various aspects to the members and
employees of cooperative societies/Department.
5 4-year Strategic Action Plan (2019-23) Annual Action Plan (2019-20) and
actions there under
A) Sustainable Development Goals, Progress of Achievement of Goals, Targets
and Indicators
Sr. Targets Achievement
Indicator Unit
Development
No.
Sustainable
Indicator
Baseline
Target
Goal
2019-20
2020-21
2021-22
2022-23
2019-20
2020-21
2021-22
2022-23
Value
Year
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
(The 4SAP of the department was approved on 30.10.2019 .Hence this

annexure does not apply to year 2017-18)
B) Schemes, Projects and Interventions with Indicators

Sr Scheme/ Expected Indicat Unit Basel Base Indicator Achievement
Project/ Expenditure or ine line Targets
Interventio (Funding year valve
n Sources)
FY-2030
2019-20
2020-21
2021-22
2019-20
2020-21
2021-22
1 2 3 4 5 6 7 8 9 10 11 12 13 14

C) Financial Performance
Sr. Scheme/Proj 2018-19 Actual Expenditure

No ect/Interventi
on Financial Requirements
Expenditure
Estimates
2019-20
2020-21
2021-22
2022-23
2019-20
2020-21
2021-22
2022-23
Budget
Total
1 2 3 4 5 6 7 8 9 10 11 12 13
Any Notable Achievements over and above what is reported under 5(A)
and (B) above (Accreditation, quality certification, publication,
conferences, presentations, and any other related Information):
Debt Relief Scheme.
State Government has issued notification dated 17.10.2017 to provide

debt relief to marginal and small farmers.
Computerization of Primary Agriculture Cooperative Societies

The Cooperative department has taken proactive steps regarding computerization
of all the 3927 Primary Agriculture Cooperative Societies (PACS) with a project
outlay of Rs 106 crore approximately. Under the Government of India scheme for
computerization of PACS, the sharing of expenditure is in the ratio of 60% by GoI,
35% by the State Government and 5% by the respective Primary Agriculture
Cooperative Societies. This project will bring about transparency and better
efficiency in the maintenance of the accounts of Primary Agriculture Cooperative
Societies (PACS) and will benefit the members. It will also integrate Primary
Agriculture Cooperative Societies (PACS) of the State with the CBS (Core Banking
Solution) of District Central Cooperative Banks, making all the transactions made
by the members of Primary Agriculture Cooperative Societies (PACS) and other
useful information readily and promptly available to the members. This will help in
eliminating financial irregularities in the Primary Agriculture Cooperative Societies
(PACS).
Paddy Straw Management

The burning of paddy straw has become an environmental hazard and the
machinery required to manage it is very cost prohibitive for the farmers. The
Cooperative department has taken up the initiative to provide the requisite
machinery to the Primary Agriculture Cooperative Societies with a subsidy
component to be provided by the Agriculture department under RKVY or any
other scheme. Such machinery shall be available to the farmers on custom
hiring basis at reasonable rates through PACs.
The Cooperative department had earlier established Agro Service Centers in the
1415 PACs with 40% subsidy given under the RKVY scheme of the Agriculture
department, to make agriculture machinery available to the farmers on custom
hiring basis. The Cooperative department is working on developing a Mobile
App, on the UBER/OLA model, to provide requisite information of the
availability/rate etc. of the agricultural machinery (including the paddy straw
management machinery) for custom hiring by the farmers.
Other Achievements:-
 During the year 2017-18, total 285 posts were filled in the office of Registrar,
Cooperative Societies, Punjab.
 100% Supply of DAP in term of percentage of indent and 92% supply of UREA
in term of percentage of indent to the members of Cooperative Societies was
ensured during the year 2017-18.
 3600 personnel of staff of Cooperative Societies/Institutions were trained by
PICT.
 1.64 lakh main members of Cooperative Societies were given benefit of Health
insurance under Bhai Ghaniya Sehat Sewa Scheme of the Department.
 Fertilizer availability for the farmers

In spite of the constraints, the Cooperative department successfully distributed
fertilizers as per the requirement of the farmers of the State with the help of Markfed
and IFFCO. During the year 2017-18 15,689 MTs of NPK, 10,52,905 MTs of Urea and
2,62,701 MTs of DAP has been supplied to the farmers of the State through the
network of cooperative societies and there is no shortage of fertilizer in the State.
MAI BHAGO ISTRI SSHAKTRIKARAN SCHEME
No. of Self Help Total No. of women No. of women Loan amount in
Group during this member loanee members (lacs.)
year (PACs/SHGs)
97 2168 733 151.37
 To arrange Health Cover for the members of Cooperative Societies:

The Department is furthering this purpose under the “Bhai Ghaniya Sehat
Sewa Scheme” and ensuring health insurance of the members of the
Cooperative Societies and their families. During 2017-18
Families enrolled- 164645
Beneficiaries treated- 58391
Amount- 29.74 crore
No. of hospitals empanelled-244
Sum insured-1.50 lakh
6) Key Performance Parameters (KPP) of Key Personnel of the Department
Sr. Key Key KPP Targets Achievement Remarks

No. Functionary performance Unit
parameter
2030 Target
2019-20
2020-21
2021-22
2019-20
2020-21
2021-22
1 2 3 4 5 6 7 8 9 10 11 12

7) Progress of disposal of pending Audit Paras during the year (2017-18):-
Initially pending Received Disposed Pending at the end of

the year
Registrar Cooperative Societies
17 4 2 19
Apex institutions and Primary Cooperative Societies
86913 17837 10827 93923
8) Appendices (Charts, Tables, Graphs, Annexure etc.):-
Nil

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Annual Administrative Report

The contribution of the Cooperatives in the development of the State in

ADDITIONAL CHIEF SECRETARY, COOPERATION

REGISTRAR, COOPERATIVE SPECIAL SECRETERY,COOPERATION

HEAD OFFICE LEVEL OFFICERS FIELD LEVEL OFFICERS

 Additional Registrar  Joint Registrars at Patiala, Jalandhar,

5.To ensure Audit and Inspections of Cooperative Societies

8.To ensure working of the district in accordance to the

9.To ensure working of circle in accordance to instructions,

Sr. No Group Sanctioned Filled Vacant

5 Inspector 835 341 494

3 Vision, Mission & Goals

a) Vision (Long-term Transformational objectives):

b) Mission (Achievable Tasks):

ii) Long-term (two to four year):

To improve the quality of inspection and Computerization of the work of the

d) A summary of existing policies, future policy reforms & specific plans to

 Women Empowerment ensured through Mai Bhago Istri Sashaktikaran

e) Comparative targets/Performances of the current year and last two

 Weakness: (steps taken to remove it's weakness)

 Opportunity: (Steps taken to leverage new opportunities)

The Punjab State Cooperative Bank Ltd. is a premier Financing Institution

Punjab State Cooperative Agricultural Development Bank Ltd. {PSCADB}

3 Owned funds 44971.23 44661.11

4 Working capital 371264.08 376321.31

5 Loan advanced 49022.07 28562.51

6 Business turnover 305086.36 303704.51

7 Profit/Loss 1081.09 828.95

PRIMARY CO-OPERATIVE AGRICULTURAL DEVELOPMENT BANKS.

At the close of the year 2017-2018, there were 89 Primary Cooperative

Sr. No. Particulars 2016-2017 2017-2018

2 Share capital 16253.01 16055.01

3 Owned funds 54717.43 43269.87

5 Loan advanced 48898.1 28909.10

1 Total Share Capital 2006.07 2006.07

2 Owned funds 28074.25 28074.25

i) PROCUREMENT: Procurement is one of the main activities of Markfed.

ii) AGRI-INPUTS: Markfed undertakes distribution of fertilizers, Agro-chemicals

The Sale of Fertilizer for the period under review is as under:-

(Figures Qty.: LAC MT)

iii) Manufacturing of edible products & non-edible products:

a) Markfed Vanaspati and Allied Industries (MVAI), KHANNA: MVAI, Khanna

Village Cooperative Society

A District Cooperative Milk Producers' Union is owned by dairy cooperative

The District Cooperative Milk Producers' Unions in a state form a State

6 Turnover ( Rs. in Crores ) 2967 3417

7 Chilling Capacities (MCCs + BMCs) – (LLPD) 21.20 22.63

8 BMC Installed ( Nos - Cumulative ) 672 769

9 Milk Processing Capacity ( LLPD - Cumulative ) 20.0 20.0

10 Drying Capacity (MTPD) 75 75

11 Cattle Feed Plant Capacity (MTPD) 500 500

*Data represented is Inclusive of all Milk Unions

IV. Financial Performance of Milkfed

VI. Processing Infrastructure

 Milkfed during 2017-18 shifted from its conventional marketing to that of

In 2016-17, Milkfed had embarked upon the plan of adoption of Information

(a) Digital Communication

Awards received during 2017-18

The comparative figures of nine operational Coop. Sugar Mills are as