1. THE PONDICHERRY COOPERATIVE CENTRAL LAND DEVELOPMENT BANK Ltd. P. 106
Colas Nagar,
Puducherry-1.

2. Registered on 04-01-1960 Started on 06-05-1960
REGISTERATION
Registered on
Started on
AREA OF OPERATION
Whole Union Territory of Puducherry

3. OBJECTS Major objects are :
To promote the economic interest of its members and more particularly to arrange for funds to be lent to its members on mortgage of land and other immovable property.
To float debentures and security of its assets and of land mortgages and other assets transferred to it by its members for such period and on such terms and conditions as have been approved by the Trustee.
To receive deposits.
To raise loans from the NABARD and Government.
To issue Jewel loan on pledge of jewels

4. MANAGEMENT ELECTED MEMBERS - 12 Registrar’s Nominee - 1
The Management shall vest with the Board of Directors consisting of 15 members:
ELECTED MEMBERS
Registrar’s Nominee
Agriculture Dept. Nominee
Managing Director

5. Last Election General Body was held on 12-12-2008
From the affairs of Bank is managed by the Administrator.

6. CLASSIFICATION OF MEMBERS
“ A “ Class - Government
“ B “ Class - Agriculturists
“ C “ Class - Nominal Members
AUTHORISED SHARE CAPITAL
The Authorized Share Capital of the Bank shall be Rs.2,000 lakhs as follows:
90,000 “ A “ Class shares of Rs.1,000 each = Rs lakhs
2,00,000 “ B “ Class shares of Rs.500 each = Rs. 1, lakhs
2,00,000 “ C “ Class shares of Rs.50 each = Rs lakhs

7. PROGRESS OF MEMBERSHIP
Details of Subscribed Share Capital and Total Membership for the last five years
(Amount Rs. in lakhs)
07-08
08-09
09-10
10-11
11-12
Class
No.s
Amt. A 1
255.00
259.90
269.90
279.90
299.90 B
4721
49.23
4714
48.03
4712
46.16
4708
45.89
4715
45.79 C
9121
12.68
9722
14.71
10299
16.58
10793
18.20
11231
19.23
Total
13843
316.91
14437
322.64
15012
332.64
15502
343.99
15947
364.92

8. The membership as on 31-03-2012 as follows:
(Rs. in lakhs)
Class
No.s
Amt. A 1
299.90 B
4715
45.79 C
11231
19.23

9. Role of NABARD in the Development of the Bank
The Bank adopted the strategy of preparing Development Action Plan (DAP) as on integral planning exercise since
The DAP has been prepared as per the guideline issued by NABARD.
Fourth Phase of DAP/MoU came to an end by
Fifth Phase of DAP/MoU for the period from to is under the consideration of NABARD.

10. Memorandum of Understanding (MoU) has been entered into by the Government of Puducherry and the Pondicherry Cooperative Central Land Development Bank with NABARD to ensure satisfactory compliance with more important items of the DAP.
Every year the NABARD is conducting Voluntary Inspection in the Bank.

11. GUARANTEE AND REFINANCE
Based on the Government of India Guarantee, Bank has availed Refinance upto to the extend of Rs lakhs and repaid fully.
From to in anticipation of Guarantee a sum of Rs lakhs has been availed as Refinance and the repayment has been made properly and the outstanding balance as on was Rs.9.84 lakhs only.
The power of issuing Guarantee vested with the Government of Puducherry from the year 2006.

12. Government of Puducherry has given Guarantee for availing refinance from NABARD to the extend of Rs lakhs for the period from to and the same was expired on The Bank has not availed refinance from NABARD based on the guarantee given by the Government due to poor in take of loans.
Bank was able to grant Long Term loan to farmers only to the extend of Rs.3.75 lakhs during the above Guarantee period from its owned funds.

13. WORKING OF THE BANK (Rs. in lakhs) Sl.No. Particulars 07-08 08-09
09-10
10-11
11-12 1
Owned Funds
765.24
550.32
526.27
544.80
571.90 2
Share Capital
316.91
322.64
332.64
344.00
364.93 3
Reserves
448.33
227.68
193.63
200.80
206.97 4
Borrowings
454.09
391.25
307.35
548.00
721.00 5
Deposits
764.88
762.33
874.04
871.11
930.77 6
Investments
127.41
168.18
181.44
168.74
181.10 7
Loans & Advances outstanding 8
Recovery %
74.79
92.99
95.49
96.09
95.85 9
Int. received
200.65
149.36
172.28
203.46
250.87 10
Int. Paid
108.54
120.66
115.12
124.10
155.27 11
Estt. & Contingencies
76.74
108.04
104.46
112.48
117.37

14. 07-08
08-09
09-10
10-11
11-12
Deposits & Borrowings
Loans & Advances

15. Kinds of loans issued by the Bank
Schematic Loans
Agriculture and Allied
a) Minor Irrigation
b) Tyre Cart & Bullocks
c) Mini Dairy
d) Farm Mechanisation ( Tractor Trailor, Power Triller)
e) Inland Fisheries
f) Farm Pond
g) Poultry

16. Ultimate Borrower lending rate
07-08
08-09
09-10
10-11
11-12
Issues
10.54
4.09
0.93
0.50
1.37
Collection
8.78
230.70
1.63
3.11
1.82
Outstanding
243.55
16.94
16.24
13.63
13.18
Ultimate Borrower lending rate
- Upto lahks 11% & Above lakhs 12%

17. Non Farm Sector a) Cottage and Small Scale Industries
b) Misc. Industries
c) Transport of Vehicles.

18. 07-08
08-09
09-10
10-11
11-12
Issues
0.00
4.35
0.95
Collection
25.56
11.78
20.76
0.62
0.58
Outstanding
46.90
39.47
18.71
19.04
18.46
Ultimate Borrower lending rate
- Upto lahks 12% & Above lakhs 14%

19. JEWEL LOAN
07-08
08-09
09-10
10-11
11-12
Issues
488.54
489.48
621.29
759.98
963.15
Collection
449.43
463.30
554.79
662.79
789.34
Outstanding
276.26
302.44
368.93
466.15
639.97
Ultimate Borrower lending rate @ 13.50%

20. CONSUMER LOAN 07-08 08-09 09-10 10-11 11-12 Issues 488.54 489.48
621.29
759.98
963.15
Collection
449.43
463.30
554.79
662.79
789.34
Outstanding
276.26
302.44
368.93
466.15
639.97
Ultimate Borrower lending rate @ 15.00% recovered in 60 instalments

21. RECOVERY During 2011-12, the over all recovery position was 95.85%.
A target of 96% was fixed fro the recovery to demand, during the year
The bank has implemented the “Compromise Package of Interest Waiver Scheme” announced by Government of India and the Government of Puducherry. The financial assistance received by the Bank under the said package is furnished below
(Rs. in lakhs)
Government of India Scheme
Government of Puducherry Scheme
Total
The same had an impact on recovery and a number of chronic overdues have been settled.

22. The demand, collection and balance position of various loans for the past 5 years are given below.
07-08
08-09
09-10
10-11
11-12
Issues
Collection
Outstanding
343.01
101.82
55.41
51.59
61.61
% of Recovery
74.79
92.99
95.49
96.09
95.85

23. SAFETY LOCKER
Bank is extending Safe Deposit Locker facility to the “B” class members
At present 82 lockers in three Safes were let out
Bank mobilized nearly a sum of Rs lakhs as Deposit from the hirers.
A sum of Rs lakhs has been collected as Service charges during
Proposal to purchase one additional Safe consists of 40 lockers has been approved by the Registrar of Cooperative Societies.

24. THE FINANCIAL RESULT FOR THE LAST 5 YEARS
Sl. No.
Particulars
07-08
08-09
09-10
10-11
11-12 1
Loss / Profit
(-)21.78
*(+)201.01
(-) 7.77
(-)14.58
(-)25.03 2
Accumulated Loss
(-)283.12
(-)82.11
(-) 89.88
(-)104.46
(-)129.49
* Profit due to implementation of Waiver Schemes

25. Categories of Employees
S.No
Particulars
Sanctioned Staff Strength
Existing Staffstrength 1
Manager 6 2
Asst. Manager 8 7 3
Supervisor 5 4
Driver Gr-I
Assistant
Attender
Peon / Watchman
Jewel Appraiser 9
Daily Rated -
Total 37 36

26. ORGANISATION CHART

27. BENEFITS TO EMPLOYEES:
The following Benefits are provided to the Employees of the Bank
Medical Rs. 300/- per month
Tea Rs. 8/- per day
Festival Rs.5,000/- per employee per annum
Term Loan upto Rs.1,00,000/- per employee
General Body Meeting
The Annual General Body Meeting was held lastly on
Approved Annual Reports for the year from to

28. AUDIT
The Final Audit upto was completed and Report issued.
The Bank is classified under “C” Class for the Financial year
For the year proposal for the appointment of Auditor has been sent to the Registrar of Cooperative Societies.
BRANCHES
There is only one service Branch functioning at Karaikal. The Accounts are consolidated with the Head Office Accounts

29. ACHIEVEMENTS AND CREDITS FOR THE YEAR 2011-12
The Bank has awarded for the Best Lending performance in the National Level by the National Cooperative Agricultural and Rural Development Bank’s Federation as detailed:
Sl. No.
Awards
Name of the Trophy 1
Best Lending Performance
Meloth Narayanan Nambiar Memorial Trophy 2
Best Lending Performance 3
Best Recovery
Dattatrayulu Memorial Trophy 4
Outstanding Performance 5
Best Lending Performance 6
Appreciation Award

30. Issues and Challenges
Our Bank is purely depends on NABARD for refinance to undertake Long Term activities.
Without refinance the bank may not able to issue Long Term Loans to the farmer.
It is necessary that the Government of Puducherry has to give Guarantee for availing refinance from NABARD.
After implementation of Government of India and Government of Puducherry waiver Scheme, the Schematic lending has been stagnated.
Fast urbanization of union territory of Puducherry is one among the other factors which impacts on the business of the bank.

31. To advice break even level, the present business level which is around lakhs has to be increased to above Rs lakhs.
Since there is instruction from NABARD in mobilizing deposit above its net owned funds, the bank finds it difficult to attain the desired level of business.
It is necessary that the government of Puducherry has to contribute generally to the equity share of the bank until the owned funds position is stabilized to attain the business level.
Though the NABARD has stopped the refinance from the bank has managed its funds from deposits and borrowings from Puducherry State Cooperative Bank at high cost.

32. PROJECTS IN PIPELINES E-Mail ID pccldb@dataone.in
The Bank has proposed to start Recurring Deposit Scheme for the members for which necessary proposal has been submitted to the Registrar of Cooperative Societies.
For renewal of Government Guarantee for Rs lakhs for the period from to has been submitted to the Registrar of Cooperative Societies. ID

33. THANK YOU