NON AGRICULTURAL LOAN 

 Financing for Purchase of shares of Industrial Co-op. Units.

Purchase of share For setting up of Co-operative Industrial Units Dis. of Chemical Fertilizers member's contribution in the equity is Working Capital absolutely necessary. To encourage the Agro-Industrial Co-op. Unit members for investment in shares of proposed C.C. Limit Co-operative Units. a scheme for financing of Financial Accommodation medium term loan for financing of medium Co-op. Processing Society term loan for purchase of shares has been FA Weavers & Industrial started from the year 1997-98.
FA Co-op. & Other Institution
Loan Against Pledge Financing for Distribution of Chemical Fertilizers

Besides dispensation of production credit, financing for distribution of chemical fertilizers is a major activity for which Apex Bank is providing working capital loans to Apex Marketing Federation, IFFCO and other Institutions. During the year 2007-08 credit limits of Rs. 297.00 crores were sanctioned, which was utilised to the full extent.

Financing to Working Capital

Working capital requirements of almost all the Apex Co-operative Institutions is being met by Apex Bank. The limits of Rs. 610.64 crores sanctioned to various institutions, during the year 2007-08.

Financing to Agro-Industrial Co-operative Units

To ensure profitable deployment of surplus resources available with the bank, funding of Co-operative Agro industrial Units is being done by Apex Bank. The loan outstanding as at the end of the year 2006-07 is stood to Rs. 62.89 crores. C.C. limit for Procurement & Marketing of Agricultural Produce

The procurement and marketing, operations of various agricultural produce have been undertaken by co-op. marketing societies in the State during the year 2007-08, due to which the formers could get remunerative price of their produce. The credit limits of Rs. 3.25 crores were sanctioned for the purpose to DCCBs which was utilised adequately.

Financial Accommodation for Public Distribution System

The entire work of Public Distribution System has been entrusted to primary co-operative societies affiliated to District Central Co-operative Banks. One of the reason for successful implementation of the scheme is timely funding by Apex Bank. The limit of Rs. 48.95 crores was sanctioned to DCCBs during the year 2007-08.

Financing for Working Capital Requirements of Co-operative Processing Societies.

Apex Bank is meeting out the entire financial requirements of existing co-operative processing institutions by providing working capital finance directly or through DCCBs. is meeting out the entire credit requirements of these societies at concessional rate of interest either from own resources or through refinance from NABARD.

Financial Accommodation for Weavers & Industrial Co-op. Societies.

The Primary Weavers and Industrial Co-op. Societies working in the State are playing prominent role in providing employment to weavers and rural artisans of the State. Apex Bank with the help of DCCBs is meeing out the entire credit requirements of these societies at concessional rate of interest either from own resources or through refinance from NABARD. 

Financial Accommodation to Co-operative & Other Institutions

Financial requirements of Educational institutions and Salary earners Societies are also being met by Apex Bank.

Loan Against Pledge of ornaments

Central Co-operative Banks are providing loans against pledge of Gold/Silver ornaments to the members of PACS and rural people having small land holdings. The banks are thus saving the rural masses from the exploitation of private money lenders. Apex Bank has provided adequate credit limits to DCCBs. 

We are also financing to the Institutions