Overview

The Co-Operative banks were mainly started to provide access to credit to farmers in rural areas. These banks work on the principle of co-operation and focus on empowering and securing the low-income people. These banks provide rural financing and micro financing. Their main objective is to provide agricultural loans to farmers at a low or decent interest rates, for the improvement of agriculture and allied activities in India. These banks provide different loans to cater to different types of loan seekers and their credit requirements. The loans can be broadly classified into short term loans, medium term loans and long- term loans. The Gujarat State Co-operative Agriculture Rural Development Bank Ltd. (GSCARDB), called as Kheti Bank is one among such Co-operative banks, which dispenses credit for agriculture and allied activities through branches in Gujarat State. The contributions of GSCARD bank to the development of agriculture and rural development in Gujarat has been remarkable.

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