Presentation by- A. Praveen Reddy Ex. MLA President, MCRBMS Director, IFFCO Success story of Mulkanoor Co-operative Rural Bank and Marketing Society Ltd.,
Out here, in the interiors....
14 villages surrounded by Craggy Hillocks, Dried Tanks, and Dried Canals
You will meet poor farmers…
Who really put in honest toil, Ploughing Sowing Weeding Harvesting
Growing Paddy Cotton Ground Nut Maize
and smiles of prosperity…
Because, they are farmers and not supposed to live on some one else's dole...
that their grandfathers built a Co-operative , a temple of trust , a hand that helps .
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 Exploitation by money lenders Poor Soils Lack of power supply Lack of communication
Vision a farmer from by uplifting Socio-Economic Status Dignified Life Poverty Stage Mission “ Voluntary, Democratic, Accountable, Self Reliant Cooperative to ensure farmer control over Agricultural Production & Marketing ”
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 Membership Pattern SC ST BC OC Total Male 874 477 4076 1023 6450 Female 156 44 551 203 954 Total 1030 521 4627 1226 7404 Marginal Small Big Total Less than 1 Hectare 1 Ha – 2 Ha More than 2 Ha No. of Members 3795 2723 886 7404 Percentage 51% 37% 12%
Services Economic Agriculture Social Loaning Inputs Consumer Seasonal Crop Loan Fertilizers Cloth Shop Medium Term Loan Pesticides Food Grains Shop Long Term Loan Seeds Petrol Pump Normal Crop Loan Technical Support Cooking Gas (LPG) Savings Marketing Welfare Services Shares Agri. Produce Funeral Expenses Procurement Thrift Deposits Drinking Water Value Added Services Fixed Deposits Scholarships to Students Sale of Products Saving Deposits Animal Health Camps Paddy Seed Current Deposits Member Health Camps Rice Cotton Bales
Financial Services Amount Rs. 28,000 / Acre Interest Rate 7% p.a Seasonal Crop Loan on repayment in 7% Int. Rebate upto Rs. 1 Lakh 4 % int Rebate Rs. 1-3 Lakh time Paddy Cotton Ground Nut Maize
Medium Term Loan 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 Agri. Implements Agri. Allied Activities Welfare Machinery Activities Digging Well Power Sprayer Poultry Toilets Electric Motor Dairy Power Tiller Solar Inverter Pipe Line Rotavator Sheep LPG Gas Sprinklers Tractor Trailer Horticulture Drip Irrigation Maize Sheller
Financial Services Interest Rate 12% p.a Loan Amount as per unit cost Long Term Loan Harvester Tractor Citrus Mango Repayment in 7 Years / 14 Installments / Each season as one Instl. 5 Years gestation period for Orchards
Financial Services Int. Rate 12% p.a Normal Loan Agriculture Higher / Technical Development Education Chronic Diseases Marriages
Loans Disbursed to farmers Particulars Amount Disbursed FY 2014 – 2015 FY 2015 – 2016 FY 2016 – 2017 Rs Rs Rs 49,41,19,560 76,05,88,454 92,14,51,778 Crop Loan 3,07,20,410 7,95,32,050 4,50,87,840 Medium Term Loan 1,76,64,887 1,26,72,794 2,53,83,017 Long Term Loan 64,49,69,800 89,84,71,000 90,53,42,100 Normal Loan 189,72,64,735 Total 118,74,74,657 175,12,64,298 Rs. 189 Crores of credit has been facilitated to farmer members
Financial Services Resources Rate of Interest per annum SHARE CAPITAL 15% Dividend THRIFT DEPOSITS 8% FIXED DEPOSITS 7% SAVING DEPOSITS 4% CURRENT DEPOSITS -- Financing Institutions State Bank of India NCDC – National Cooperative Development Corporation
Agriculture Inputs Service Fertilizers Pesticides Seeds Electric Motors Sprayers Agri. Impli. Farmers Training Field Training Agri. Tech. Services
Supply of Agriculture Inputs FY 2014 – 2015 FY 2015 – 2016 FY 2016 – 2017 Rs. Rs. 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 FY 2015 – 2016 FY 2016 – 2017 Quintals Quintals 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 for One Quintal Particulars MCRBMS Open Market Difference (Rs.) (Rs.) (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/- 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 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 FY Area Covered Quantity Value Acres Tons 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
Branding & Marketing - Rice Varieties BPT / Sona Masoori Jai Sri Ram RNR – 15048 Opened Retailed Outlets at Mulkanoor Hanamkonda Husnabad Kothakonda Huzurabad FY Raw Rice Boiled Rice Total Qty Value Qty Value Value Tons Rs. Tons Rs. 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
Branding & Marketing – Cotton Bales Cotton Lint Cotton Seed Total FY Quantity Value Quantity Value Sale Value No. of Bales / Tons Rs. In Tons Rs. 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 Cloth Shop Food Grains LPG Gas (Bharath) Petrol & Diesel Bunk
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 Counseled the eligible couples for Family Planning when there is no awareness about the family planning Conducting Animal Health Camps in coordination with Animal Husbandry Department regularly Society Liaison with NGO’s to provide clean drinking water by installing deflouride plants in the villages. Conducting Eye / Physiotherapy camps to members regularly
Benefits “from” & “through” the Society … During 2016 -17. Society Welfare Schemes Rs. In Lakhs Member 12.5 times on Welfare Deposit Amt. will be paid to the 127 30.42 Welfare Nominee/Legal Heir of the deceased member Scheme (Min : 25000/- Max : 50000/-) Funeral Rs. 7,500/- and 100 kg. Fine Rice on demise of Member / 160 9.92 Expenses Member Spouse Professional Paid to Children of the member admitted in to 78 7.90 Degree Professional Degree Courses Scholarships (B.TECH, B.PHARMACY, BSC AGRICULTURE, BSC VETERNARY – @ Rs.10,000/- , MBBS @ Rs. 12,500/-) Animal Health Camps are conducted in all the villages regularly - 3.00 Camps Members Eye camps / Physiotherapy / Neuro / Cardio camps are - 3.00 Health Camps conducted in the society premises Vision Centre Cataract Operations done to our members / spouse 188 9.95 Total 64.19
Recommend
More recommend
