REORGANISATION OF COOPERATIVE CREDIT STRUCTURE IN ANDHRA PRADESH AND
SINGLE WINDOW SYSTEM
Andhra Pradesh State Co-operative Bank
The Andhra Pradesh State Cooperative Bank Limited (APCOB) is a Scheduled State
Cooprative Bank for the State of Andhra Pradesh. The Bank is committed to agricultural and
rural development through the Cooperatives. The cooperative credit system in Andhra Pradesh
with the APCOB at its apex level is a federal system consisting of a family of 22 affiliated District
Cooperative Central Banks (DCCBs), which in turn, have 557 Branches and 2748 Primary
Agricultural Cooperative Societies (PACS) through which, developmental agricultural credit is
provided, to serve a sizeable chunk of the total membership of the PACS of around 1.5 crores.
The APCOB and affiliate credit structure in Andhra Pradesh showcase a unique
experiment of Single Window Credit Delivery System, as a first of its kind in the country under
which, both investment and production credit for agriculture is provided at the grass root level
through a single agency. The PACS at village level has been modelled as a one stop shop for
the farmer for availing of varied short, medium and long term loans both under production and
investment credit, input requirements, produce storage facilities, essential commodities, banking
and other rural based services. APCOB has also a network of 26 branches in the twin cities of
Hyderabad and Secunderabad and one Head Office Main Branch as also a Branch each at
Tirupathi and Vijayawada meeting the exclusive needs of the urban clientele.
In tune with it's main focus, the APCOB, through the DCCBs and PACS, provides re-
finance support for agricultural production credit for seasonal agricultural opertions (crop loans),
investment credit for investments in agriculture for Minor Irrigation, Farm Mechanisation, Land
Development, Horticulture, Dairy, Poultry, Fisheries and other diversified investments and allied
activities. In times of natural calamities, the Bank provides credit stabilisation arrangements by
way of conversion, rephasement, postponement and reschedulement of agricultural loans.
Credit to the weavers Sector through Primary Handloom and Silk Weavers Credit Societies, as
also financing to the Apex Weavers Society is another important portfolio through which rural
development is fostered. Loans to Employees Credit Societies is also extended to provide
timely financial support to employees of various organisations mainly through the DCCBs. This
apart, the Bank finances Industrial Cooperatives and agro-processing industries in the
cooperative fold like Sugar Factories, Spinning Mills, Milk Unions and Dairy Federation.
, As a part of it's commitment towards rural development, the Bank provides assistance
for programmes under Swarna Jayanthi Gram Swayamrozgar Yojana (SGSY earlier known as
IRDP), Non Farm Sector finance for self employment programmes in the rural and semi-urban
areas, micro-credit through Self Help Groups, Youth Associations and Women's Groups. The
Bank extends financial support to Apex Cooperative Federations like MARKFED, APCO,
FEDCON etc. It has also been providing direct finance to small and medium industries and
agro-based units. The Bank offers a host of facilities to its urban clientele. These include,
Banking facilities under attractive deposit schemes, safe deposit lockers, Clean & Secured
Overdrafts, Consumer Durable Loans, Vehicle Loans, Gold Loans, Housing Loans, Real Estate
Mortgage Loans and a host of other services.
Services
The loan portfolio of APCOB covers Crop Loans, Medium Term Loans and Long Term
Loans for Agricultural purposes. Substantial support is being extended to the Government-
sponsored District Rural Development Agency projects through IRDP Loans and also to
Cooperative Sugar Factories, Spinning Mills, Weavers Societies, Employees Cooperative Credit
Societies and other Societies.
APCOB is also extending finance to many Apex Cooperative institutions in the State like
APCO, MARKFED, GCC etc. APCOB provides all types of banking facilities to it's customers
through attractive deposit schemes as also various types of loans for it's urban clientele through
it's own branch network.
Deposit schemes
Savings bank
This facility is available to customers to deposit and withdraw money as per their
convenience. The facility is extended with or without cheque book as per the needs of the
customer. Prompt and courteous service awaits our customers at our Branches.
Current account
Current Account with cheque book facility is offered by the Bank to its corporate and
business clients. Clean and secured overdraft facility is also provided on the Current Account.
Fixed deposit
SINGLE WINDOW SYSTEM
Andhra Pradesh State Co-operative Bank
The Andhra Pradesh State Cooperative Bank Limited (APCOB) is a Scheduled State
Cooprative Bank for the State of Andhra Pradesh. The Bank is committed to agricultural and
rural development through the Cooperatives. The cooperative credit system in Andhra Pradesh
with the APCOB at its apex level is a federal system consisting of a family of 22 affiliated District
Cooperative Central Banks (DCCBs), which in turn, have 557 Branches and 2748 Primary
Agricultural Cooperative Societies (PACS) through which, developmental agricultural credit is
provided, to serve a sizeable chunk of the total membership of the PACS of around 1.5 crores.
The APCOB and affiliate credit structure in Andhra Pradesh showcase a unique
experiment of Single Window Credit Delivery System, as a first of its kind in the country under
which, both investment and production credit for agriculture is provided at the grass root level
through a single agency. The PACS at village level has been modelled as a one stop shop for
the farmer for availing of varied short, medium and long term loans both under production and
investment credit, input requirements, produce storage facilities, essential commodities, banking
and other rural based services. APCOB has also a network of 26 branches in the twin cities of
Hyderabad and Secunderabad and one Head Office Main Branch as also a Branch each at
Tirupathi and Vijayawada meeting the exclusive needs of the urban clientele.
In tune with it's main focus, the APCOB, through the DCCBs and PACS, provides re-
finance support for agricultural production credit for seasonal agricultural opertions (crop loans),
investment credit for investments in agriculture for Minor Irrigation, Farm Mechanisation, Land
Development, Horticulture, Dairy, Poultry, Fisheries and other diversified investments and allied
activities. In times of natural calamities, the Bank provides credit stabilisation arrangements by
way of conversion, rephasement, postponement and reschedulement of agricultural loans.
Credit to the weavers Sector through Primary Handloom and Silk Weavers Credit Societies, as
also financing to the Apex Weavers Society is another important portfolio through which rural
development is fostered. Loans to Employees Credit Societies is also extended to provide
timely financial support to employees of various organisations mainly through the DCCBs. This
apart, the Bank finances Industrial Cooperatives and agro-processing industries in the
cooperative fold like Sugar Factories, Spinning Mills, Milk Unions and Dairy Federation.
, As a part of it's commitment towards rural development, the Bank provides assistance
for programmes under Swarna Jayanthi Gram Swayamrozgar Yojana (SGSY earlier known as
IRDP), Non Farm Sector finance for self employment programmes in the rural and semi-urban
areas, micro-credit through Self Help Groups, Youth Associations and Women's Groups. The
Bank extends financial support to Apex Cooperative Federations like MARKFED, APCO,
FEDCON etc. It has also been providing direct finance to small and medium industries and
agro-based units. The Bank offers a host of facilities to its urban clientele. These include,
Banking facilities under attractive deposit schemes, safe deposit lockers, Clean & Secured
Overdrafts, Consumer Durable Loans, Vehicle Loans, Gold Loans, Housing Loans, Real Estate
Mortgage Loans and a host of other services.
Services
The loan portfolio of APCOB covers Crop Loans, Medium Term Loans and Long Term
Loans for Agricultural purposes. Substantial support is being extended to the Government-
sponsored District Rural Development Agency projects through IRDP Loans and also to
Cooperative Sugar Factories, Spinning Mills, Weavers Societies, Employees Cooperative Credit
Societies and other Societies.
APCOB is also extending finance to many Apex Cooperative institutions in the State like
APCO, MARKFED, GCC etc. APCOB provides all types of banking facilities to it's customers
through attractive deposit schemes as also various types of loans for it's urban clientele through
it's own branch network.
Deposit schemes
Savings bank
This facility is available to customers to deposit and withdraw money as per their
convenience. The facility is extended with or without cheque book as per the needs of the
customer. Prompt and courteous service awaits our customers at our Branches.
Current account
Current Account with cheque book facility is offered by the Bank to its corporate and
business clients. Clean and secured overdraft facility is also provided on the Current Account.
Fixed deposit
