Kerala State Cooperative Agricultural and Rural Development Bank

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Kerala State Cooperative Agricultural and Rural Development Bank has always been in the forefront of committed activities aimed at bettering the Social scenario of the village community. As the Apex body of the Primary Co-operative Agricultural and Rural Development Banks in the State, it has spear headed such programmes and streamlined them, right from its inception. The KSCARD Bank has, in fact, come a long way since the formative year when it focused primarily on the redemption of prior debts of rural farmer. The accent has switched over to the production oriented financing policy, which involves long term loans for development needs. The Bank has also diversified its activities and formulated various innovative loan schemes so as to achieve the prime objective of comprehensive agricultural and rural development.



The origin of KSCARD Bank can be traced back to 1931, the year in which the State Land Mortgage Bank started functioning in the erstwhile Travancore State. Subsequently Land Mortgage Banks were established in Cochin and Malabar as well. With the formation of the Travancore Credit Bank in 1938, the State Land Mortgage Bank merged into it. As a successor to the Travancore Credit Bank, the Kerala Co-operative Central Land Mortgage Bank (KCCLMB) was organized on October 4, 1956 and started functioning on 25th October,1956 . Before long, the Land Mortgage Banks of Cochin and Malabar were also affiliated to it. With the enactment of the Kerala State Co-operative Agricultural Development Bank Act on 30.07.1984, the name of KCCLMB changed to Kerala State Co-operative Agricultural Development Bank (KSCADB) and again to Kerala State Co-operative Agricultural and Rural Development Bank (KSCARDB) with the amendment of KSCADB ACT in 1990.



The Bank started with 4 Primary Banks in 1956 and the federal structure is now established with 76 PCARDBs in all the 76 Taluks in Kerala. Through its wide range of loan schemes, Bank provides credit support to all walks of

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