REGD. NO. 204 Of 1918
Head Office: 65M6+WP8, Shridharpur, West Bengal 713146
Product & Services
The Sridharpur Co-operative Bank (SCOB)
The Sridharpur Co-operative Bank (a Primary Agricultural Credit Society) provides a range of products and services, reflecting its
diversified business activities tailored to the needs of its members and the local area. The society diversified its activities to a total of
19 different types. All facilities are provided to members under a
Single Window System (or Single Window Facility).
Business and Operational Activities
The society engages in various business operations, including:
- LP Gas (Liquefied Petroleum Gas)
- Mini Deep Tube Wells (MINIDEEP)
- Pisciculture / Plantation
- Grocery
- Cloth
- Dharmogola (Started in 1952, this is a grain bank/store)
- Seeds / Potato (Marketing of Potato started in 1972)
- Agriculture
- Oil Cake (Sale began in 1954)
- Insurance
- Banking
- General Business
- Bronze Utensils
- NSC / KVP / LIC Policy (National Savings Certificates / Kisan Vikas Patra / Life Insurance Corporation Policy related activities)
- Pledging
Lending Activities
The society offers various loans and advances with specific rates of interest and eligibility requirements:
| Lending Activity | Rate of Interest (%) | Eligibility of a member |
|---|---|---|
| Short Term (S. T) | 8 | Rs. 2,400.00 |
| Medium Term (M.T.) | 11 | Rs. 3,600.00 |
| Manure | 10 | As required, but within the limit in Karbarnama |
| Machinery | 11 | Rs. 3 lakh |
| House Building | 10.5 | Rs. 2 lakh |
| Term Loan (One Year) | 10.5 | On mortgage of land/building |
| Term Loan (Five Year) | 11 | On mortgage of land/building |
| Cash Credit | 10.5 | – |
| Security Deposit | 8 | – |
| NSC/KVP/LIC | 9 | 75% on bond value |
| General Advance | 9.5 | Rs. 10,000.00 |
| Unemployed Youth Loan | 11 | Rs. 2 lakh |
| SHG (Self-Help Group) | 10 | 4 times of deposit |
| Dharmogola (in kind) | 15 KG in qtl. 15 | As per requirement |
| Utensils | 9.5 | 75% of the value |
| Education Loan | 10 | Rs. 2.50 lakhs |