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Success story of
Mulkanoor Co-operative Rural Bank and Marketing Society Ltd.,
Presentation by-
A. Praveen Reddy Ex. MLA President, MCRBMS Director, IFFCO
Out here, in the interiors....
14 villages surrounded by
and Dried Canals
Craggy Hillocks,
Dried Tanks,
You will meet poor farmers…
Who really put in honest toil,
Ploughing
Harvesting
Sowing
Weeding
Growing
Maize Ground Nut
Cotton Paddy
and smiles of prosperity…
Because, they are farmers and not supposed to
live on some one else's dole...
that their grandfathers built
a temple of trust,
a hand that helps.
a Co-operative,
This is not a story about the Co-operative.
But of the farmers
without whom there would be no Co-operative.
Tribute to the man
who made it happen
Late Sri. A. K. Vishwanatha Reddy
Founder President
(1926-1986)
Prevailed Conditions
Prior to formation of MCRBMS
Poor Soils
Lack of power supply Lack of communication
Exploitation by money lenders
Poverty Stage Dignified Life
Vision
by uplifting Socio-Economic Status
Mission
“ Voluntary, Democratic, Accountable, Self Reliant
Cooperative to ensure farmer control over
Agricultural Production & Marketing ”
a farmer from
Cooperative Ensures
Membership is voluntary
Democratic approach
Surplus distributed equitably
Work with other like organisations
Participation in social activities
Progress
Several Cooperatives were formed in 1950’s in rural India
This cooperative too was formed in 1956
1956 2017
Members 373 7404
Shares Rs. 2,300 Rs. 15.85 Crores
Thrift Deposit ---- Rs. 26.89 Crores
Employees 1 138
Storage Capacity ---- 38,078 M T
SC ST BC OC Total
Male 874 477 4076 1023 6450
Female 156 44 551 203 954
Total 1030 521 4627 1226 7404
Marginal Less than 1 Hectare
Small 1 Ha – 2 Ha
Big More than 2 Ha
Total
No. of Members 3795 2723 886 7404
Percentage 51% 37% 12%
Membership Pattern
Services
Loaning
Seasonal Crop Loan
Medium Term Loan
Long Term Loan
Normal Crop Loan
Savings
Shares
Thrift Deposits
Fixed Deposits
Saving Deposits
Current Deposits
Economic
Consumer
Cloth Shop
Food Grains Shop
Petrol Pump
Cooking Gas (LPG)
Welfare Services
Funeral Expenses
Drinking Water
Scholarships to Students
Animal Health Camps
Member Health Camps
Social
Inputs
Fertilizers
Pesticides
Seeds
Technical Support
Marketing
Agri. Produce Procurement
Value Added Services
Sale of Products
Paddy Seed
Rice
Cotton Bales
Agriculture
Seasonal Crop Loan
Financial Services
Paddy Cotton
Amount Rs. 28,000 / Acre
Interest Rate 7% p.a
on repayment in
time
7% Int. Rebate upto Rs. 1 Lakh
4 % int Rebate Rs. 1-3 Lakh
Maize Ground Nut
Medium Term Loan
Agri. Implements Agri.
Machinery
Allied Activities Welfare
Activities
Digging Well
Power Sprayer
Poultry
Toilets
Electric Motor
Power Tiller
Dairy
Solar Inverter
Pipe Line
Rotavator
Sheep
LPG Gas
Sprinklers
Tractor Trailer
Horticulture
Drip Irrigation
Maize Sheller
Medium Term Loan Interest Rate 12% p.a
Loan Amount as per unit cost Repayment in 3 Years i.e. 6 Installments /
Each season as one Instl
Long Term Loan
Financial Services
Harvester Tractor
Citrus Mango
Repayment in 7 Years / 14 Installments / Each season as one Instl.
5 Years gestation period for Orchards
Interest Rate 12% p.a
Loan Amount as per unit cost
Normal Loan
Financial Services Int. Rate 12% p.a
Marriages Chronic Diseases
Higher / Technical Education
Agriculture Development
Particulars Amount Disbursed
FY 2014 – 2015
Rs
FY 2015 – 2016
Rs
FY 2016 – 2017
Rs
Crop Loan 49,41,19,560 76,05,88,454 92,14,51,778
Medium Term Loan 3,07,20,410 7,95,32,050 4,50,87,840
Long Term Loan 1,76,64,887 1,26,72,794 2,53,83,017
Normal Loan 64,49,69,800 89,84,71,000 90,53,42,100
Total
118,74,74,657
175,12,64,298
189,72,64,735
Loans Disbursed to farmers
Rs. 189 Crores of credit has been facilitated to farmer members
Resources Rate of Interest
per annum
Financial Services
SHARE CAPITAL 15% Dividend
THRIFT DEPOSITS 8%
FIXED DEPOSITS 7%
SAVING DEPOSITS 4%
CURRENT DEPOSITS --
State Bank of India
NCDC – National Cooperative Development Corporation
Financing Institutions
Agriculture Inputs Service
Fertilizers Pesticides Seeds
Electric Motors Sprayers Agri. Impli.
Farmers Training Agri. Tech. Services Field Training
Supply of Agriculture Inputs
FY 2014 – 2015
Rs.
FY 2015 – 2016
Rs.
FY 2016 – 2017
Rs.
Fertilizers 11,10,34,895 7,23,67,678 9,11,50,064
Paddy Seed 1,18,50,460 77,37,260 1,29,21,206
Cotton Seed 1,31,88,242 75,94,035 64,23,520
Pesticides 75,87,478 61,14,912 85,53,029
Agri. Implements 1,08,81,989 1,36,42,929 1,79,98,544
Total 15,45,43,064 10,74,56,814 13,70,46,363
Procurement
Paddy Procurement at the Village Godown
Purchase of Paddy at market rate / MSP which ever is high
Post harvest storage risk is reduced
Risk of Transportation is reduced
Market Exploitation is Eradicated
Human Resource is saved
Saving of Rs. 100/- per quintal
Particulars FY 2014 – 2015
Quintals
FY 2015 – 2016
Quintals
FY 2016 – 2017
Quintals
Paddy 1,87,300 38,671 62,134
Paddy Seed 1,36,633 82,185 1,12,804
Cotton 44,200 87,700 62,519
Economic Benefit on Paddy Procurement – One Hectare Farmer
Particulars MCRBMS (Rs.)
Open Market (Rs.)
Difference (Rs.)
Purchase Rate 1510/- 1440/- 70
Transportation 10 40 30
Market Fee (1%) - 13 13
Trading Commission (2%) - 26 26
Weight Loss - 25 25
Bonus Amt per Quintal 85 - 85
Benefit per one quintal of Paddy 249
1 Ha, (70 Quintals X 249/-) 17,430/-
for One Quintal
In case of cotton procurement, Benefit per quintal of cotton is Rs. 703/-
Small farmer gets a yield 25 quintals / Ha. So, the farmer get economic benefit of Rs. 17,575/- (25 X 703/-) on cotton
Value Added Services
Para Boiled Rice Mill with JAPANESE Satake Technology– 4 Tons / Hr Capacity
7 Seed processing units with 18 tons / Hr
35 cotton ginning machines with bales pressing unit
Branding & Marketing- Paddy Seed
FY Area Covered
Acres
Quantity
Tons
Value
2014 - 15 3,41,074 10,232 19,21,55,690
2015 - 16 3,34,077 10,022 21,41,01,860
2016 - 17 3,66,453 10,993 25,26,63,607
Multiplication of breeder paddy seed into
Foundation seed than to truthful seed in progressive farmers fields under the supervision of our society Agriculture Officers
Varieties BPT 5204 RNR 15048 MTU 1010 MTU 1001 IR 64
Branding & Marketing - Rice
FY Raw Rice Boiled Rice Total
Qty Tons
Value Rs.
Qty Tons
Value Rs.
Value Rs.
2014 – 15 1465 4,16,16,669 593 1,38,16,900 5,54,33,569
2015 – 16 1527 5,03,91,000 625 1,45,96,743 6,49,87,743
2016 – 17 1080 4,08,07,300 - - 4,08,07,300
Varieties BPT / Sona Masoori Jai Sri Ram RNR – 15048
Opened Retailed Outlets at Mulkanoor Hanamkonda Husnabad Kothakonda Huzurabad
Branding & Marketing – Cotton Bales
Cotton Lint Cotton Seed Total
FY Quantity No. of Bales / Tons
Value
Rs.
Quantity
In Tons
Value
Rs.
Sale Value
Rs.
2014 - 15 7052 / 1199 15,69,14,523 2361 4,25,35,038 19,94,49,561
2015 - 16 8583 /1459 17,57,52,000 2874 4,36,91,108 21,94,43,108
2016 - 17 17024/ 2894 30,55,25,899 5700 11,76,67,150 42,31,93,049
Consumer Services
LPG Gas (Bharath) Petrol & Diesel Bunk
Cloth Shop Food Grains
Welfare Services … to name a few…
Society was primarily responsible for Electrification of
Villages and farms in the early years after independence
Provided drinking water by digging bore well in villages when
there was continuous drought
Conducting Eye / Physiotherapy camps to members regularly
Counseled the eligible couples for Family Planning when
there is no awareness about the family planning
Society Liaison with NGO’s to provide clean drinking water
by installing deflouride plants in the villages.
Conducting Animal Health Camps in coordination with Animal
Husbandry Department regularly
Benefits “from” & “through”
the Society … During 2016-17.
Society Welfare Schemes Rs. In Lakhs
Member
Welfare
Scheme
12.5 times on Welfare Deposit Amt. will be paid to the
Nominee/Legal Heir of the deceased member
(Min : 25000/- Max : 50000/-)
127 30.42
Funeral
Expenses
Rs. 7,500/- and 100 kg. Fine Rice on demise of Member /
Member Spouse
160 9.92
Professional
Degree
Scholarships
Paid to Children of the member admitted in to
Professional Degree Courses (B.TECH, B.PHARMACY, BSC AGRICULTURE, BSC VETERNARY –
@ Rs.10,000/- , MBBS @ Rs. 12,500/-)
78 7.90
Animal Health
Camps
Camps are conducted in all the villages regularly
- 3.00
Members
Health Camps
Eye camps / Physiotherapy / Neuro / Cardio camps are
conducted in the society premises
- 3.00
Vision Centre Cataract Operations done to our members / spouse 188 9.95
Total 64.19
Economic Benefits “from” & “through”
the Society … During 2016-17.
No. Of Members
2016 – 17
Rs.
ST Corporation 1 29,100
Nabard – Dairy 338 37,57,000
Total 288 37,86,100
from Govt. Agencies
Benefits “from” & “through”
the Society … During 2016-17
Rs. In Lakhs
Insurances Schemes with society funds Premium
Paid
Claims
Received
Life Insurance linked with crop loan (Premium Paid to LIC under Janashree Bima Yojana & Group Insurance Scheme)
33.40 -
LIC paid to deceased members to the extent of Crop Loan from JBY & Group Insurance Scheme
23.85 - 27.81
Scholarships under the scheme (JBY) (Two children of member will be paid scholarship @ 1200/- each studying 9th to XIIth Std.)
3.96
Janatha accidental group Policy (Premium Paid to IFFCO – Tokio)
(Sum Assured Rs. 1,00,000/-)
3.00 -
Janatha accident group Policy claims Received - 2.00
IFFCO-Tokio – Accidental Insurance claims to Members on sale of fertilizers
- -
Total 36.40 29.81
Particulars Rs. In Lakhs
Premium
Paid
Claims
Received
Insurance of Milch Animals, Sheep 4.95 14.60
Insurance of Electric Motors Tractors & Harvesters 14.39 -
Individual Policies of Members through Society 10.08 N.A
Insurance of immovable properties 2.00 -
Insurance of Stock and cash handling 8.46 -
Work Men Compensation 2.5 -
Total 43.99 14.60
Society as agent to Insurance Agencies Contd..
Over All Benefit to Members
During the Financial Year 2016-17.
Particulars No of Members Amount
Rs. In Lakhs
Society Welfare Schemes - 64.19
Bonus on Paddy / Paddy Seed / Cotton 5583 242.93
Subsidy & Margin Money from Govt. Agencies
288 37.86
Insurance Benefits - 29.81
Govt. Interest Subvention Scheme 6582 259.21
Dividend (15%) 7547 237.85
Int. on Thrift Deposits @ 9 % 7450 205.00
Telangana Govt. Debt Waiver Scheme 6822 1237.53
Total 2314.38
Member Point of View
(Agri. Bonus)
A/C. Desc. Laon
Amt.
Int.
Paid
Total
SAO - KF 84,600 3,291 87,891
SAO - RB 84,600 2,364 86,964
MTO –
KF Instl.
4,300 1,598 5,898
Total 1,73,500 7,253
(A)
1,80,753
Variety Qty. Bonus/
Qtl.
Bonus
Amt.
Paddy – Grade A
0 110 -
Paddy – Grade B
94.02 85 7,994
Cotton 7.92 275 2,178
Paddy Seed
27.18 100 2,718
Total (B) 12,890
Admission No. : 9700 Land Holding : 5 Acres / 2.8 Ha.
Member Name : Anuka Radha
Bonus Amt (B) 12,890
Interest Subsidy from Govt. 5,655
Total 18,545
Interest Paid (A) 7,253
Benefit to member 11,292
Member Point of View
Debt. Break
Loans
A/C. Desc. Loan Amt.
SAO 19,700
MTO -
LTO -
Additional Crop
Loan 20,000
Total (A) 39,700
Deposits & Benefits
Description Amount
Shares 12,900
Deposits 22,850
Welfare Fund 25,000
Group Insurance linked
to Crop Loan 19,700
Total (B) 80,450
Admission No. : 7780 Member Name : Allam Yadagiri
80,450 – 39,700 = 40,750 Surplus to his dependants
In most cases debt is not passed on to the children or dependants of the deceased member
at the Time of Demise
Share Capital 15.85
Thrift Deposit 26.89
Reserves 96.93
Other Deposit 17.28
Borrowings 101.13
Payables 7.07
Surplus 5.92
Total 271.07
Financial Position As on 31-03-2017.
Availability of Funds
Rs. In Crores
Surplus2%
Share Capital6%
Member Deposit
10%
Reserves36%
Other Deposit6%
Payables3%
Borrowings29%
Loans O/s 111.02
Investments 64.69
Properties 31.68
Stock on Hand 40.73
Receivables 21.72
Cash on Hand 1.23
Total 271.07
Financial Position As on 31-03-2017.
Utilisation of Funds
Rs. In Crores
Business Turnover
(During 2016 – 2017)
Loans & Advances 191.40
Sale of inputs 21.55
Marketing
Services
70.57
Consumer Goods
& Other Services
6.03
Total Turn Over 289.55
Rs. In Crores
Loans & Advances
66%
Sale of Inputs
8%
Marketing Services
24%
Other Services
2%
REGISTRATION
Registered under Hyderabad Cooperative Societies
Act 1952
Automatically Deemed into AP Cooperative Societies
Act 1964
Converted to APMACS Act 1995 in the year 1995
Organisation Structure
MANAGING
COMMITTEE
GENERAL
BODY
PRESIDENT
VILLAGE
COMMITTEE’S
EMPLOYEES
GENERAL
MANAGER
MEMBERS
GENERAL BODY Members of the society, meets at least once in a
year.
MANAGING COMMITTEE Members of the society elect 15
Managing Committee members
Meets once in a month
Financing Bank
DCCB from 1956 to 1969
State Bank of Hyderabad from 1969 to till date
Promoted A. K. Vishwanatha Reddy
Rural Development Society – in the Year 2000
Water Shed Programs – with NABARD Assistance
Strength Particulars for the Academic Year – (2016 - 17)
Intermediate
College
Degree
College
Total
Girls 108 157 265
Boys 112 95 207
Colleges – with MCRBMS support
Program Name Phase Sanctioned
Amount
(Lakhs)
Work Done
Amount
(Lakhs)
Treatment Area
Nara Hari Thanda FIP 41.25 40.98 1225 Acres
Mustafapur FIP 75.61 69.61 1250 Acres
Vangara FIP 145.95 135.95 1225 Acres
Total 265.31 246.54
Create rural capital base of Rs. 5,00,000 Crores.
Late Shri V. Kurian,
Father of Indian Dairy Cooperative Movement
Mulkanoor India
Employees 112 46 Lakhs
Share Capital Rs. 1.15 Crores Rs. 47,150 Crores
Savings Rs. 6.00 ,, Rs. 2,46,000 ,,
Reserves Rs. 5.70 ,, Rs. 2,33,700 ,,
Commented about Mulkanoor Cooperative in 1981 as
If 41,000 Mulkanoor like Cooperatives in India . . . .
Members
Active and Loyal
Confidence in
their own society
Member Education
Program
Receive Package
of Practices
Management
Dedicated & Honest
No outside
interference
Transparency
Compact Area
Approach
Governance
Strong Leadership
Strategic Vision
Equality
one member one vote
Performance
Evaluation
Efficient Marketing
Management
Linking of Credit
with Marketing
Reasons for Success
Awards / Felicitations Late Sri A. K. Vishwanatha Reddy
President from 1956 to 1985
Manager of the year – 1981
Hyderabad Management
Association
Citation received on behalf of Late A. K.
Vishwanatha Reddy by Sri A. Praveen Reddy
Peddi Reddy Thimma Reddy
farm foundation, Hyderabad
Sri A. Praveen Reddy President from 1987 onwards
Awards / Felicitations
Best Cooperator - 2004
Kribhco Sahakarita Vibhushan Good Working Society
NCDC Biennial Cooperative
Excellence - 2014
Prominent Visitors
late Sri. Y. S. Rajashekhar Reddy, former Chief Minister of Andhra Pradesh, was chief
guest at Golden Jubilee Celebrations.
Present & Former Chief Ministers, Ministers, MP’s, MLA’s and many other
representatives visited the society
Many dignitaries from abroad such as U.N.O, World Bank, Universities and other
institutions.
Many personalities from Cooperative Institutions, Rural Development Organisations
and Farmer related associations come here to study the Society activities.
Late Sri P. V. Narsimha Rao, former Prime Minister of India is Member and served as
Vice President of the Society
Sri. N. Kiran Kumar Reddy, former Chief Minister of Andhra Pradesh, visited to
inaugurate Cotton Ginning & Pressing Mill.
His Excellency E.S.L Narasimhan, Hon’ble Governor of AP visited the society to
interact with the farmers
late Sri. Krishna Kanth, former vice president of India, unveiled the statue of
founder president.
Students from IIM / ISB / NIRD / IRMA / MANAGE / ICRISAT / ICM come here to study
the society activities
After all, we are proud of the past laurels we have won
“Ye Mulkanoor Nahi Hai...
Ye Mulk ka Noor Hai.....”
Sri P.N. Haksar, the then Vice Chairman of
Planning Commission on his visit to MCRBMS
“This is not Mulkanoor, it is light of Nation”
Thank you
A. Praveen Reddy Ex. MLA
President – MCRBMS
Director – IFFCO
Ex. BOM, ANGRAU, Hyderabad
Ex.BOM, SVVU, Tirupathi