TRANSPARENCY & ACCOUNTABILITY
Transparent Governance Framework
Transparency and Accountability
The Bank upholds a high level of transparency through the systematic and accurate maintenance of accounts, regular statutory audits, internal audits, and the timely submission of all prescribed returns to the competent authorities.
Decisions of the Board of Directors and all major policy matters are placed before the General Body for approval and information, strictly in accordance with the provisions of the Act and Rules.
Through these practices, the Bank consistently demonstrates its commitment to good governance, accountability, effective disclosure, and the continued confidence of its members.
Mission
Vission
Value
Our Mission
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To deliver safe, sound, and efficient banking services to members, with emphasis on agricultural, allied, and rural credit
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To promote financial inclusion, savings mobilisation, and credit discipline among members
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To ensure prudential lending practices, effective asset quality management, and operational efficiency
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To maintain full compliance with statutory, regulatory, and supervisory requirements issued by the Government of Kerala and other competent authorities
Our Vision
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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
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Co-operation: Upholding the spirit of mutual aid and collective growth
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Integrity: Conducting all activities with honesty, transparency, and ethical responsibility
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Member Focus: Prioritizing the interests and welfare of members
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Service Excellence: Delivering efficient, reliable, and quality banking services
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Social Responsibility: Supporting community development and financial inclusion initiatives
Our Milestones
Awards and Recognitions
Social Commitments
Infrastructure & Member Welfare
The Bank has earned multiple Best Sahakari, Best Secretary, and Performance Awards, reflecting strong leadership, operational excellence, and commitment to continuous improvement through capacity building and regular staff training programmes.
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Multiple Best Sahakari Awards received.
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Best Secretary Award consecutive years.
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Performance Award for operational excellence.
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Recognised leadership and governance excellence.
During the COVID-19 pandemic, the Bank led multiple community initiatives and provided timely financial assistance through the Common Good Fund, supporting disaster relief efforts during Ockhi cyclone, 2018 floods, and the Wayanad Chooralmala disaster.
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Active COVID-19 community support initiatives.
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Vaccine and technology awareness challenges.
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Common Good Fund financial assistance.
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Disaster relief during major calamities.
The Bank strengthened infrastructure with a new Alunkal branch and modern Head Office, supports members through an After Death Aid Fund, and promotes local welfare via seasonal festival markets and community-focused initiatives.
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New Alunkal branch inaugurated.
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Modern Head Office building established.
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Pragathi souvenir released documenting growth.
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Seasonal festival regular markets for members.
