MILESTONES
OUR MILESTONES
1
Centenary Milestone
The Bank has successfully completed 100 years of dedicated service, symbolising a century of trust, stability, and contribution to the socio-economic development of its members and the local community.
2
INFRASTRUCTURE & EXPANSION
A new branch was opened at Alunkal in the year 2020, which was inaugurated by Sri. Kadakampally Surendran, the then Hon’ble Minister for Co-operation, Government of Kerala.
A new Head Office Building was inaugurated in 2024 by Sri. V. Sivankutty Vasavan (Sri. Vasavan), Hon’ble Minister for Co-operation, Government of Kerala.
On this occasion, a commemorative souvenir titled “Pragathi” was released, documenting the history of Kadakkarappally and the Bank’s growth over the years.
3
TECHNOLOGICAL ADVANCEMENT
The Bank has been fully computerised and has implemented Core Banking Technology, enabling efficient, transparent, and secure banking operations.
The Bank offers new-generation banking services, improving service delivery and customer convenience in line with modern banking standards.
4
Member Welfare and Innovative Schemes
The Bank operates an “After Death Aid Fund” scheme, under which financial assistance of ₹2,000 is provided to members’ families to meet funeral and related expenses.
Seasonal initiatives such as Onam Chantha and other festival markets are organised during Onam, Christmas, and other festivals, supporting both members and local producers.
5
Awards and Recognitions
The Bank has received the “Best Sahakari” Award for the years 2018–19, 2020–21, and 2024–25 from the Co-operative Department, Pattanakkad Unit, recognising the leadership of the Presidents during the respective periods.
The Bank’s Secretary was honoured with the Best Secretary Award by the Co-operative Department, Pattanakkad Unit, for two consecutive years (2022–23 and 2023–24).
The Bank was also conferred with a Performance Award for the year 2024–25, acknowledging its overall operational excellence.
Capacity Building and Training
The Bank places strong emphasis on capacity building and regularly provides training programmes for staff, aimed at improving professional competence, service quality, and regulatory compliance.
6
Developmental and Educational Initiatives
In connection with the inauguration of the new Loan Bhavan and the launch of the “Jyothi Vaypa” loan scheme, the Bank conducted Self-Help Group (SHG) motivation and awareness programmes titled “Sahakaranam Samrambhakathwam”, promoting entrepreneurship and cooperative participation.
7
Social Responsibility and Community Support
During the COVID-19 pandemic, the Bank actively participated in various initiatives such as Vaccine Challenge, Television Challenge, Mobile Phone Challenge, Vidyatharangini, and other community support programmes.
The Bank extended financial assistance from the Common Good Fund for disaster relief efforts, including support for victims of the Ockhi cyclone, the 2018 floods, and the Wayanad Chooralmala disaster.
8
Commitment to Cooperative Ideals
The Bank consistently implements welfare schemes, awareness programmes, and community initiatives as recommended by the Department of Co-operation, Government of Kerala, reaffirming its role as a responsible cooperative institution committed to public welfare and inclusive development.
Mission
Vission
Value
Our Mission
-
To deliver safe, sound, and efficient banking services to members, with emphasis on agricultural, allied, and rural credit
-
To promote financial inclusion, savings mobilisation, and credit discipline among members
-
To ensure prudential lending practices, effective asset quality management, and operational efficiency
-
To maintain full compliance with statutory, regulatory, and supervisory requirements issued by the Government of Kerala and other competent authorities
Our Vision
-
To function as a financially resilient, well-governed, and member-centric Class I Primary Agricultural service Co-operative Bank, enabling inclusive and sustainable rural development through prudent financial intermediation, robust risk management, and adherence to cooperative principles and regulatory standards.
Core Values
-
Co-operation: Upholding the spirit of mutual aid and collective growth
-
Integrity: Conducting all activities with honesty, transparency, and ethical responsibility
-
Member Focus: Prioritizing the interests and welfare of members
-
Service Excellence: Delivering efficient, reliable, and quality banking services
-
Social Responsibility: Supporting community development and financial inclusion initiatives
