1 To 17 English Manuals Punjab State Cooperative Agricultural Developement Bank

CHAPTER 1
Introduction
1. Please throw the light on the background of this handbook (Right to

Information Act-2005)
The Right to Information Act, 2005 makes the right to information more
progressive, participatory and meaningful. Now, therefore, it is expedient
to provide for furnishing information to citizens who desire to have it.
Democracy requires an informed citizenry and transparency or
information which are vital to its functioning and also to contain
corruption and to hold Governments and their instrumentalities
accountable to the governed.
In the light of the above, this handbook has been prepared which contains
the details of the entire working of this institution i.e. The Punjab State
Cooperative Agricultural Development Bank Ltd., Chandigarh.
1.2 Objective/Purpose of this hand-book :

The objective/purpose of this hand-book is to provide/ ensure greater
and more effective access to information when sought by any citizen
under the Act.
1.3 Who are intended users of this hand-book? :

The Institutional Head and the Public Information/Assistant Public
Information Officer and the Appellate Authority
1.4 Organisation of the information in this hand-book

The Punjab State Cooperative Agricultural Development Bank Ltd.,
Chandigarh
1.5 Definitions (Please provide definitions of various terms used in the

hand-book):
Act
means The Right to Information Act 2005
M.D
means the Managing Director of the Punjab State

Cooperative Agricultural Development Bank Ltd.,
Chandigarh.
means the Punjab State Cooperative Agricultural
Development Bank Ltd., Chandigarh
means
the
Primary
Cooperative
Agricultural
Development Bank Ltd.
S.A.D.B
P.A.D.B
1.6 Contact person in case somebody wants to get more information on

topics covered in the hand-book as other information also:
1. Sh. Gurmit Singh Brar,
(Additional
Managing
Director) is the Appellate
Authority
2. Sh. Joginder Pal Singh Mann
(Deputy General Manager) Public Information Officer
3. S. Preet
BalbirMohinder
Singh Gill,Singh,
AGMAGM
Asstt. Public Information Officer
3.2 Procedure and Fee Structure for getting information not available in the
hand-book:
The Public/Requisitioner should contact the official mentioned in column
No. 1.6 above during office hours only.
CHAPTER 2 (Manual 1)
Particulars of Organization, Functions and
Duties
2.1 Objective/Purpose of the Public Authority.

The Punjab State Cooperative Land Mortgage Bank Limited now The
Punjab State Cooperative Agricultural Development Bank Limited,
Chandigarh was established in the year 1958 with a view to provide the
grant of long term loans to the owners of land or other immovable
property, to enable them to discharge their debts, to carry out
agricultural improvements, to acquire land for the formation of
economic holdings and other like purposes and thereby to promote
thrift and self help among them.
2.2 Mission/Vision Statement of the Public Authority.

The vision of the Punjab State Cooperative Agricultural Bank is to
establish a new social order based on Cooperative Principles and
Values. The PSCADB would be able to provide need based credit to
farmers and others and to achieve the said goal only if the Bank is:
To emerge as resource based, strong and vibrant financial institution

capable of meeting the entire credit needs of the members.
To help/improve the financial condition of the members by
facilitation long term investment in agriculture and allied activities.
To endeavour to provide credit to farmers for taking up ventures in
Non Farm Sector.
Conversion into full fledged Bank.
In pursuance of the aforesaid targets the Bank shall have to
introduce diversified activities & loan portfolios and to push up
lending under new ventures:
2.4 Brief History of the Public Authority and Context of its Formation.
The Punjab State Cooperative Agricultural Development Bank was

established during the year 1958 with the basic objective to eliminate
exploitation of the farmers by money-lenders by providing them long term
loans at cheaper rates of interest, repayable in easy instalments for the
development
of
agriculture
and
allied
activities
including
the
improvement of land and the methods of cultivation. At the initial stage,

the Bank started functioning through the Central Cooperative Banks by
appointing them as agents. The agency system continued upto the year
1962 and thereafter 14 PADBs (previously known as Primary Coop.
Land Mortgage Banks) were affiliated to the State Bank for the purpose
of advancing long-term loans.
The long term structure in the Punjab State, as such, is a Federal
Structure with State Cooperative Agricultural Development Bank as an
Apex Institution and member Primary Cooperative Agricultural
Development Banks at the base level. At present the number of PADBs
in the State is 89. This Bank was established in the year 1958 with a
view to provide the grant of long term loans to the owners of land or
other immovable property, to enable them to discharge their debts, to
carry out agricultural improvements, to acquire land for the formation
of economic holdings and other like purposes and thereby to promote
thrift and self help among them.
2.4 Duties of the Public Authority.
It is the duty of this Bank to provide facilities of long term credits to its
loanee members and further to ensure that the loan advanced is properly
utilized and the assets are created. It is also the duty of the Bank to ensure
the timely recovery of the loans advanced through persuasive methods and
to maintain the office/loan records till its realization.
2.5 Main Activities and Functions of the Public Authority.

Since inception, the Bank has been financing various activities under
the Farm Sector & its allied activities. Besides traditional and allied
activities, the Bank also played a meaningful role in Green, White and
Blue revolution in the State which is still continuing, the Bank has
further diversified its lending portfolios. In the year 1993-94, the Bank
also started financing Non Farm Sector activities provide selfemployment avenues to the educated/skilled persons in the State. Main
lending activities are as under:Purchase of tractors
Installation of tube-wells
Purchase of Threshers
Poultry Development
Horticulture
Eucalyptus Plantation
Land leveling
Bee keeping
Installation of Bio-gas plants and
a large number of NFS activities
3
Purchase of agricultural implements

Harvester Combines
Dairy Development
Inland Fisheries
Poplar Plantation
Laying of Under-ground pipelines
Mushroom Cultivation
Sheep / Goat rearing
New ventures :Floriculture

Drip Irrigation
Rearing of calves
Purchase of second hand tractors
Aonla Development
Agri Clinics / Agri Business
Centres
for
agricultural
graduates or graduates in allied
subjects
Rural Godowns
Replacement
of
defunct
Tubewells in dark blocks.
Sprinkler Irrigation
Rabbit rearing
Scheme for cattle breeders
Community Halls
Financing Two Wheelers
Jasmine Marigold cultivation
Rural Housing
Loans for financing educational
institutions
Commercial Production units of
organic inputs-Bio Fertilizers
organic inputs-Hatcheries
Educational loans for higher education

Swarozgar Credit Card Scheme
Onion Godowns
Financing Solar Photovaltaic Pumpsets
for irrigation.

organic inputs-Vermiculture
organic inputs-Fruit and Vegetable
waste compost
Strengthening of Agriculture
Marketing infrastructure grading
and standardisation
2.6 List of services being provided by the Public Authority with a brief writeup on them.
Farm Sector and Allied Activities
Initially, the Bank advanced loans only for Purchase of Land,
Redemption of Land, Farm Mechanization, Land Levelling, Cattle Shed
Construction etc. Thereafter, the Bank diversified its lending portfolios
and advanced loans to activities allied to agriculture. The Bank has
contributed in Green, white and blue revolution by providing loans for
dairy, minor irrigation and inland fisheries.
Non-Farm Sector
The Bank is playing a vital role in elimination of un-employment by
providing loans for NFS activities to the educated unemployed
farmers/members of PADB. In order to achieve this, the Bank switched
over to Non-Farm Sector in the year 1993-94 and started financing
ventures of self-employment in Manufacturing, Processing and Service
Activities with the object of generating self-employment and business
expansion / diversification.
RURAL HOUSING
We have also started loans for rural housing to the members of the PADB.
2.7 Organizational Structure Diagram at various levels namely State, Directorate, Region District, Block etc. (whichever is applicable).
2.8
Expectation of the public authority from the public for enhancing its
effectiveness and efficiency.
The Bank expects from the public to come with complete and true
information, so that their loans could be processed and payments released
without any hindrances and loan be properly utilized and assets created.
The Bank also expects from the public that they should re-pay their loan
instalments in time without fail, so that the Bank may not have to resort
to coercive methods to effect recovery.
They should vote in those persons who are well qualified and have
interest in cooperative movement.
2.9
Arrangements
and
methods
participation/contribution.
made
for
seeking
public
The Bank calls Annual General Meeting where all the schemes and
their benefits are told to the members and their views and suggestions
are also sought.
There is a provision to hold KISAN GOSHTIES, formation of
Voluntary Vikas Vahini (VVV Clubs) & Farmers Meet where farmers
are actively involved.
2.10
Mechanism available for monitoring the service delivery and public

grievance resolution.
This Bank has formulated a fool-proof system under which every loan
case advanced is checked up by different authorities to see that the loan
stands utilized. Every Field Officer has to check the 100% utilization. In
order to redress the grievances of the public, this Bank has a Vigilance
Cell, which enquires/looks into the complaints and the guilty officials
are taken to task and relief is provided to the complainants.
2.11
Addresses of the main office and other offices at different levels.(Please

categorize the addresses district wise for facilitating the understanding
by the user.
MAIN OFFICE
THE
PUNJAB
STATE
COOPERATIVE
DEVELOPMENT BANK LTD.
SCO NO.53-54,
SECTOR 17B,
BANK SQUARE, CHANDIGARH.
AGRICULTURAL
OTHER OFFICES
S
NAME OF THE PADB
ADDRESS
NO.
1
THE JALANDHAR PRIMARY COOP. AGRI. DEV. BANK LTD., 58/505, Opposite Jr. Model
Co-Ed. School, Nehru
JALANDHAR
2
3
4
5
6
7
8
9
10
11
12
THE PHILLOUR PRIMARY COOP. AGRI. DEV. BANK LTD.,

GORAYA
THE KARTARPUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
KARTARPUR
THE NAKODAR PRIMARY COOP. AGRI. DEV. BANK LTD.,
NAKODAR
THE NURMAHAL PRIMARY COOP. AGRI. DEV. BANK LTD.,
NURMAHAL
THE SHAHKOT PRIMARY COOP. AGRI. DEV. BANK LTD.,
SHAHKOT
THE NAWANSHAHR PRIMARY COOP. AGRI. DEV. BANK
LTD., NAWANSHAHR
THE BALACHAUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
BALACHAUR
THE BANGA PRIMARY COOP. AGRI. DEV. BANK LTD.,
BANGA
THE HOSHIARPUR PRIMARY COOP. AGRI. DEV. BANK
LTD., HOSHIARPUR
THE DASUYA PRIMARY COOP. AGRI. DEV. BANK LTD.,
DASUYA
THE GARHSHANKAR PRIMARY COOP. AGRI. DEV. BANK
LTD., GARHSHANKAR
Garden Road, Jalandhar

Opposite Bank of Baroda,
G.T. Road, Goraya
Mohalla Chandan Nagar,
Behind Kartapur Malwa
Filling Station, G.T. Road.,
Kartapur
Near Onkar Cinema,
Nurmahal Road, Nakodar
G.N. Plaza Market, Dana

Mandi Road, Near Bus
Stand, Ludhiana Road
Nurmahal
Mohalla Azad Nagar, Near
Police Station, Shahkot
Near S.P. Office, Old Court
Road, Nawanshahr
Bhadhi Road, Near
Bulewal Mode, Balachour
Opposite Civil Hospital,
Banga
Shakari Bahwan C.B.
Complex , Railway Road,
Hoshiarpur
Near S.D.M Chowk, G.T.
Road, Dasuya
Opposite Grain Market,
Near Bus Stand,
Garhshankar
13 THE MUKERIAN PRIMARY COOP. AGRI. DEV. BANK LTD.,

MUKERIAN
14 THE MAHILPUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
MAHILPUR
Opposite Civil Rest House,

G.T. Road, Mukerian
Bains Market, G.T. Road,
Mahilpur
Near Canara Bank, The Mall

15 THE KAPURTHALA PRIMARY COOP. AGRI. DEV. BANK
Road, , Kapurthala
LTD., KAPURTHALA
Bhogpur Adda, Bholath
16 THE BHOLATH PRIMARY COOP. AGRI. DEV. BANK LTD.,
BHOLATH
17 THE PHAGWARA PRIMARY COOP. AGRI. DEV. BANK LTD., G.T. Road, Phagwara
PHAGWARA
18 THE SULTANPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Moalla Mori, Near Guru Ka
Bag, Gurdwara, Sultanpur
SULTANPUR LODHI
19 THE GURDASPUR PRIMARY COOP. AGRI. DEV. BANK LTD., Near Petrol Pump, Jail
Road, Gurdaspur
GURDASPUR
20 THE BATALA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Near Bus Stand,
BATALA
Jalandhar Road, Batala.
Near Tehsil Office, Behind
21 THE DERA BABA NANAK PRIMARY COOP. AGRI. DEV
OBC , Bank, Dera Baba
BANK LTD., DERA BABA NANAK
Nanak
22 THE PATHANKOT PRIMARY COOP. AGRI. DEV. BANK LTD., Near Mala Hospital, Indra
PATHANKOT
Colony, Pathankot
23 THE KAHNUWAN PRIMARY COOP. AGRI. DEV. BANK LTD.
Main Bazar, Near Civil
KAHNUWAN
Hospital Kahnuwan
Near Kheterpal Hospital,
24 THE AMRITSAR PRIMARY COOP. AGRI. DEV. BANK LTD.,
Circular
Road, , Amritsar
AMRITSAR
Fathegarh Churian Road,
25 THE AJNALA PRIMARY COOP. AGRI. DEV. BANK LTD.,
Ajanla
AJNALA
Near Bus Stand, Baba
26 THE BABA BAKALA PRIMARY COOP. AGRI. DEV. BANK
Bakala
LTD., BABA BAKALA
27 THE BHIKHIWIND PRIMARY COOP. AGRI. DEV. BANK LTD., Near Baba Deep Sinjgh
Girls College, Harike Road, ,
BHIKHIWIND
28 THE CHOLA SAHIB PRIMARY COOP. AGRI. DEV. BANK
LTD., CHOLA SAHIB
29 THE LOPOKE PRIMARY COOP. AGRI. DEV. BANK LTD.,
LOPOKE
30 THE PATTI PRIMARY COOP. AGRI. DEV. BANK LTD., PATTI
Bhikhiwind
Near O/O Block Dev.
Officer, Chohla Sahib
Near Vir Singh, M.L.A. Kothi

Lopoke. ,
Near Cheema HosPItal,
Patti
31 THE TARN TARAN PRIMARY COOP. AGRI. DEV. BANK LTD. Near Harkishen Public
School, Jandiala Guru
, TARN TARAN
32 THE FEROZEPUR CANTT. PRIMARY COOP. AGRI. DEV.
BANK LTD., FEROZEPUR
33 THE ABOHAR PRIMARY COOP. AGRI. DEV. BANK LTD.,
ABOHAR
Road, Taran Taran

Near Church,Saheed Udam
Singh,Chowk, The Mall
Road, Ferozepur
Opposite New Grain
Market, Fazilka Road,
Abohar
34 THE FAZILKA PRIMARY COOP. AGRI. DEV. BANK LTD.,

FAZILKA
Near Truck Union, Hanuman

Mandir, Abohar Road,
Fazilka
35 THE GURU HARSAHAI PRIMARY COOP. AGRI. DEV. BANK Chungi No. 5, Faridkot
Road, Guru Har Sahai
LTD., GURU HARSAHAI
36 THE JALALABAD PRIMARY COOP. AGRI. DEV. BANK LTD., Near Old Bus Stand, T.F.
Road, Nimwala Chowk,
JALALABAD WEST
Jalalabad
37 THE ZIRA PRIMARY COOP. AGRI. DEV. BANK LTD., ZIRA
Near Hari Singh Market,

New Talwandi Road, Zira
38 THE MUKTSAR PRIMARY COOP. AGRI. DEV. BANK LTD.,

MUKTSAR
Near Govt. College,

Opposite People Petrol
Pump, Kotkapura Road,
Muktsar
Near CCB, , Muktsar Road,
Gidderbaha
39 THE GIDDERBAHA PRIMARY COOP. AGRI. DEV. BANK

LTD., GIDDERBAHA
40 THE LAMBI PRIMARY COOP. AGRI. DEV. BANK LTD., LAMBI Opposite Sadar Thana,
National Highway No. 10,

Lambi
41 THE MALOUT PRIMARY COOP. AGRI. DEV. BANK LTD.,

MALOUT
42 THE BATHINDA PRIMARY COOP. AGRI. DEV. BANK LTD.,
BATHINDA
43 THE NATHANA PRIMARY COOP. AGRI. DEV. BANK LTD.,
NATHANA
44 THE RAMPURA PHUL PRIMARY COOP. AGRI. DEV. BANK
LTD., RAMPURA PHUL
45 THE TALWANDI SABO PRIMARY COOP. AGRI. DEV. BANK
LTD., TALWANDI SABO
46 THE RAMAN PRIMARY COOP. AGRI. DEV. BANK LTD.,
RAMAN
47 THE MANSA PRIMARY COOP. AGRI. DEV. BANK LTD.,
MANSA
48 THE BUDHLADA PRIMARY COOP. AGRI. DEV. BANK LTD.,
BUDHLADA
49 THE SARDULGARH PRIMARY COOP. AGRI. DEV. BANK
LTD., SARDULGARH
50 THE FARIDKOT PRIMARY COOP. AGRI. DEV. BANK LTD.,
FARIDKOT
51 THE GANGSAR JAITO PRIMARY COOP. AGRI. DEV. BANK
LTD., JAITO
52 THE MOGA PRIMARY COOP. AGRI. DEV. BANK LTD.,
MOGA
53 THE BAGHAPURANA PRIMARY COOP. AGRI. DEV. BANK
LTD., BAGHAPURANA
Opposite Jaswant Cinema,

Nagpal Nagri on National
Highway No. 10, Malout
Near Children Park, Civil
Lines, Bathinda
Pahooli Road, Nathana
Near Railway Station, Bank
Square, Rampuraphul
Bathinda Road, Talwandi
Sabo
Gaushala Road, Raman
Near Bansal Oil Petrol Pump,
Rambagh Road, Mansa
Railway Road, Gurudwara
Singh Sabha, Budhlada
Shop No. 23, 1st Floor, Grain
Market, Sardulgarh
Kotkapura Road, Opposite
Harindra Nagar
Gate,Faridkot
Near Telephone Exchange,
, Main Road, Jaito
Near Bank of Punjab, HDFC
Ferozepur Road, Moga
Near Thapar Petrol Pump,
Kotkapura Road,
Baghapurana
54 THE NIHAL SINGH WALA PRIMARY COOP. AGRI. DEV.

BANK LTD.,NIHALSINGHWALA
55 The Dharamkot Primary Cooperative Agricultural
Development Bank Ltd., Dharamkot
56 THE PATIALA PRIMARY COOP. AGRI. DEV. BANK LTD.,

PATIALA
57 THE DERA BASSI PRIMARY COOP. AGRI. DEV. BANK LTD.,
DERA BASSI
58 THE DUDAN SADHAN PRIMARY COOP. AGRI. DEV. BANK
LTD., DEVIGARH
59 THE GHANOUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
GHANOUR
60 THE NABHA PRIMARY COOP. AGRI. DEV. BANK LTD.,
NABHA
Paramjit Singh Market,

Barnala Road, Nihalsingh
wala
Near Tehsil, , Dholewala
Road, Dharamkot
98, Chhoti Baradari, Patiala
B.D.O. Complex Building,
Chandigarh-Delhi Road,
Near Bus Stand ,Dera Bassi
Chhanna Mara, Phewa
Road, Devigarh
Ward No. 02, Ghanour
Mohalla Basantpura, Old
Market Committee,Building,
Nabha
62 THE PATRAN PRIMARY COOP. AGRI. DEV. BANK LTD.,

PATRAN
Mohinder Garg, Near

Sadar Police Station, Court
Road , Rajpura
Behind Bus Stand, Chingra
Road, Patran
63 THE SAMANA PRIMARY COOP. AGRI. DEV. BANK LTD.,

SAMANA
Near John Hospital,

Samana
64 THE FATEHGARH SAHIB PRIMARY COOP. AGRI. DEV.

BANK LTD.,SIRHIND
65 THE AMLOH PRIMARY COOP. AGRI. DEV. BANK LTD.,
AMLOH
Railway Road, Sirhind

143406
61 THE RAJPURA PRIMARY COOP. AGRI. DEV. BANK LTD.,

RAJPURA
Amloh Khanna h Road,

Near Post Office, Amloh
66 THE BASSI-PATHANA PRIMARY COOP. AGRI. DEV. BANK

LTD., BASSI-PATHANA
67 THE KHAMANO PRIMARY COOP. AGRI. DEV. BANK LTD.,
KHAMANO
68 THE SANGRUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
SANGRUR
Market Committee Building,

Bassi-Pathana
69 THE BARNALA PRIMARY COOP. AGRI. DEV. BANK LTD.,

BARNALA
70 THE BHAWANIGARH PRIMARY COOP. AGRI. DEV. BANK
LTD., BHAWANIGARH
71 THE DHURI PRIMARY COOP. AGRI. DEV. BANK LTD., DHURI
Opposite P.S.E.B. Office,

Dhanaula Road, Barnala
72 THE LEHRAGAGA PRIMARY COOP. AGRI. DEV. BANK

LTD., LEHRAGAGA
Near Jakhal Railway Station

Crossing, Chainpura Basti,
Lehragaga
73 THE MALERKOTLA PRIMARY COOP. AGRI. DEV. BANK

LTD., MALERKOTLA
Opposite Markfed Office,

Dhuri Road, Malerkotla
10
Near SDM Office, Anaj

Mandi, Khamano
Near Bus Stand, Opp.
Dr. Dharmpal, Child Spl.

Grain Market, Bhawanigarh
Near Tehsil Road, Dhuri.
74
THE SUNAM PRIMARY COOP. AGRI. DEV. BANK LTD.,

SUNAM
Near Railway Crossing, Bus

Stand, Patiala Road, Sunam
75
THE TAPPA PRIMARY COOP. AGRI. DEV. BANK LTD.,

TAPPA
THE SHERPUR PRIMARY COOP. AGRI. DEV. BANK LTD.,
SHERPUR
THE DIRBA PRIMARY COOP. AGRI. DEV. BANK LTD., DIRBA

Main Bazar, Tappa
78
THE LUDHIANA PRIMARY COOP. AGRI. DEV. BANK LTD.,

LUDHIANA
17, Sant Nagar, Civi

Lines,Opp; Govt College,
Boys, Ludhiana.
79
THE DORAHA PRIMARY COOP. AGRI. DEV. BANK LTD.,

DORAHA
THE JAGRAON PRIMARY COOP. AGRI. DEV. BANK LTD.,
JAGRAON
THE KHANNA PRIMARY COOP. AGRI. DEV. BANK LTD.,
KHANNA
Near Grain Market, Doraha
76
77
80
81
82
83
84
85
THE MALOUD PRIMARY COOP. AGRI. DEV. BANK LTD.,

MALOUD
THE MACHHIWARA PRIMARY COOP. AGRI.DEV.BANK
LTD., MACHHIWARA
THE RAIKOT PRIMARY COOP. AGRI. DEV. BANK LTD.,
RAIKOT
THE SAMRALA PRIMARY COOP. AGRI. DEV. BANK LTD.,
SAMRALA
Near Dr. Gian Street, Katron

Chowk, Sherpur
Gabri Road, Near New
Tehsil Cmplex, Dirba.
Near State Bank of Patiala,

Tehsil Road, Jagraon
Opposite Grain Market,
Near Libra Petrol Pump, G.T.
Road, Khanna
Opposite, Grain Market,
Payal Road, Malaudh
Prem Nagar, Near Bus
Stand, Machhiwara
Near Old Tehsil Complex,
Talwandi Gate, Raikot
Near New Bus Stand,
Chandigarh- Ludhiana
Road, Samrala
86
THE CHANDIGARH PRIMARY COOP. AGRI. DEV. BANK

LTD., ROPAR
87
THE ANANDPUR SAHIB PRIMARY COOP. AGRI. DEV. BANK Opposite Chann-di-Hatti,
Near SBI , Main Bazar,
LTD., ANANDPUR SAHIB
88
THE KHARAR PRIMARY COOP. AGRI. DEV. BANK LTD.,

KHARAR
89
THE MORINDA PRIMARY COOP. AGRI. DEV. BANK LTD.,

MORINDA
2.12
Morning hours of the office:
10 A.M.
Closing hours of the office:
5 P.M.
Saturday
10AM to 1.30 PM.
316 ,Giani Zail Singh

Nagar, Near
Ambedkar Bhawan,
Ropar
Anandpur Sahib
Near Old Telephone
Exchange, Landran Road,
Kharar
Near P.N. Bank, LudhianaChandigarh Road, Morinda
Chapter3(Manual2)
PowersandDutiesofOfficersandEmployees
3.1
Please provide details of the powers and duties of officers and employees of
the organization.
Designation
Powers
Board of Directors
The powers and duties of the Board
shallbe:
1 to elect the President and the Vice
PresidentoftheBoard.
2 tosanctionstaffstrengthofStateBank
withthepriorapprovaloftheRegistrar.
3 to give directions to the Managing
Directorforconveningameetingofthe
GeneralBodyoftheStateBankandto
submit to the General meeting the
annualreportandthebalancesheet.
4 toopenbranchofficesatsuitableplaces
and fix their jurisdiction. The Board
may constitute a subcommittee for a
particular purpose of not more than
threeDirectors,oneofwhomshallbe
theManagingDirector.
5 toframeandsubsequentlyamendrules
regulatingthebusinessandworkingof
the State Bank consistent with the
provisionsofthesebyelawsandwith
thepriorapprovaloftheRegistrar.
6 todelegateanyofitspowersandduties
toanyotherofficeroftheStateBank
but not below the rank of Addl.
ManagingDirector.
7 to issue necessary instructions to the
Primary Cooperative Agricultural
Development Banks.
These
instructionsshouldnotbeinconsistent
with their byelaws concerning their
business.
8 to make rules for the investigation of
legaltitleandtolaydownthestandards
andthemainprinciples forthe initial
andperiodicalestimationofthemarket
value and the yielding capacity of
property offered in mortgage of the
Primary Coop. Agricultural
Development Bank and tomake rules
on the same lines regarding the
properties to be offered to the State
Bank by the Primary Cooperative
AgriculturalDevelopmentBanksubject
totheapprovalofRegistrar.
9 totakestepsfortherecoveryofloans
under ChapterIV and V of the
Administrative
Cooperative Agircultural Development

Banks Act, 1957 and the rules made
thereunder.
10 toacceptorrejecttheresignationofa
Director.
11 to exercise all residuary powers and
perform all duties and specifically
meantforanyauthority.
12 to authorise Indian Ambassadors and
ChargeDAffairsandothermembers
oftheMissionabroadtoactandsignon
itsbehalfagreementsandotherrelevant
documents with foreign countries and
internationalbodies.
1 to purchase share of Cooperative
Financial Institutions or such other
institutions as are related to Agricultural
finance and to appoint a director to
representtheStateBankintheaffairsand
meetingsofsuchinstitutions,providedthat
anypurchaseofsharesabovethevalueof
Rs.5000/ shall be subject to approval of
RCS.
2toraisefundsbytheissueofdebentures
andothermeasurespermittedbythesebye
lawsbusiness.
3 totakestepsfortherecoveryofloans
underChapterIVandVoftheCooperative
DevelopmentBanksAct1957andtherules
madethereunder.
4. tofixtheratesoftravellinganddaily
allowancespayabletoaDirectorsubjectto
theapprovaloftheRegistrar.
Financial
Duties
1
2
3
3.2
the organization.
Designation
Powers
Managing Director
Administrative
1. togenerallyadministertheaffairsoftheState
Bank;
2. to supervise and control the work of the
employeesoftheStateBank;
3. toarrangeformaintenanceofproperrecord
andaccounts.
4. to sign on behalf of the State Bank and
conductitscorrespondence;
5. tocertifycopiesofentriesinthebooksofthe
StateBank;
6. tosueandbesuedinthenameandonbehalf
oftheStateBank;
7. toarrangefortheinspectionofthemortgaged
property;
8. to perform all other duties and exercise all
such powers as are assigned tohimby the
Board.
9. todelegateanyofhispowersanddutiesto
anyoftheofficialsworkingintheStateBank;
10. subjecttobyelaws36(a)and46toarrangeto
call and attend the meeting of the General
Body, Board of Directors; to make, draw,
acceptendorseandexecutecheques,payment
orders,telegraphandmainremittances,fixed
depositreceipts,drafts,railwayreceiptsand
othernegotiableinstrumentsforandonbehalf
oftheBank;
11. to open accounts in the name of the Bank
with the Reserve Bank of India, State
CooperativeBank,StateBankofIndia,Bank
ofIndia,CentralCooperativeBankandwith
suchotherBanksasmaydeemexpedientand
tooperatetheseaccounts;
12. to transfer any employee in the common
cadreaswellasanyemployeeoftheState
AgriculturalDevelopment.
13. tograntadmissiontonewmembersandallot
shares;
14. to grant loan to the members of the State
Bank;
15. to institute, conduct, defend,
compromise,refer to arbitration or abandon
Financial
legalproceedingsandclaimsbyoragainstthe
StateBank.
16. toensurecomplianceofsuchsuggestionsand
instructionscontainedininspectionofaudit
relatingtotheStateBank.
1 toreceivedepositsandothermoneyandissue
receiptsandalsotopayamountsduefromState
Bank;
2.tohavecustodyofallthepropertiesoftheState
Bank;
3.tosign,endorseandnegotiatechequesandother
negotiableinstruments;
4.topaymoneyduefromtheBank;
5.toinvestsurplusfunds,todischarge,buysell
andcollectinterestonGovernmentPromissory
NotesandSecuritiesonbehalfoftheBanks;
6.toappoint,suspendorpunishemployeesin
accordancewithservicerulesapprovedbyRCS.
7. tobuysell,endorse,assign,pledgeorotherwise
negotiable securities issued by the Central or
State Governments of the Indian Union and
other Securities specified in Section of the
IndianTrustsAct,1882onbehalfofallother
CooperativeInstitutionsandtoauthoriseinthis
behalfanyofficerorofficersoftheBankand
arrangeforthesafecustodyforthesecurities
ownedbyorpledgedwiththeBank.
8.toapprovethetransferofsharesanddebentures;
9. to approve the loans sanctioned by Primary
CooperativeAgriculturalDevelopmentBank;
10. to raise loans from various
institutions/organisations;
11.toincuranyexpenditureoncontingenciesandall
other items, within overall annual expenditure
budget approved by the Board of Directors.
However,incaseofemergencytheManaging
Directorincursexpenditureuptothreelacsata
timeinanticipationofapprovalbytheBoard.
Others
Duties
1
2
3
1
2
3
3.2(i) Please provide details of the powers and duties of officers and employees of the
organization
Designation
Manager
Powers
Administrative
ThepowersanddutiesoftheManager
shallbe:
1.
ToGenerallyadministrator
theaffairsoftheprimarybanksubject
totheDirectionsofthecommittee.
2.
To Supervise and control
the work of the employees of the
primarybank.
3.
To maintain proper
accounts.
4.
To receive deposits and
othermoneyandissuereciptandalso
topayamountduefromthePrimary
Banak.
5.
To sign on behalf of the
primary Bank and conduct its
correspondence.
6.
tocertifycopiesofentries
inthebooksofthePrimarybank.
7.
Tosueandtobesuedin
themeanandonbehalfoftheprimary
bank.
8.
to arrange for the
inspectionofthemortgagedproperty.
9.
toperformallotherduties
andexerciseallsuchpowersasmaybe
assignedtohimbythecommitteeand
theStateBank.
10.
Tohavecustodyofallthe
propertiesofthePrimarybank.
11.
To arrange to call and
attend meeting of the general body
committeeandsubcommittees.
12.
To make, draw, accept
endorse and execute cheques,
payment,orders,telegraphicandmail
remmittence, fixed deposits, recipts,
drafts, railway recipts and other
negotiable instruments for and on
behalfoftheprimarybankssubjectto
theinstructionsofthecommittee.
13.
Subjecttothespecificand
generalSanctionoftheCommitteeto
investsurplus funds,todischarge, to
buy, sell, and collect interst on
government prommissiory notes and
securities on behalf of the Primary
bank.
3.3
the organization.
Designation
Powers
DeputyManager
Administrative 1)
Tocheckalltheloancasesbeforesanction
and disbursement and to give certificate
regardingfitnessofloancases.
1.2 Topreparechequesofloancases.
1.3 To take reimbursement of loan from
SADB.
4)
Tocheckmaintenanceregister.
5)
Tocheckloanmovementregisters.
6)
Tosecureloanutilizationcertificatesfrom
F.Os.
7) TosecuretriannuallandinspectionfromF.Os.
8)
TosecureIIndencumbrancecertificate.
9) Toinformapplicants/sponsoringagenciesabout
thepositionofloancases.
10) TomakecomplianceofAuditNotes.
11) Tocheckinterestatthecloseoftheyear.
12) Tocheckallkindofloanvouchersandits
posting in the ledgers and checks Balance
Booksofschemesandnormalloans.
13) Generalsupervisionofthestaff.
14) Any other duties assigned by the senior
officers.
Financial
Others
Duties
1
2
3
1
2
3
1
2
3
3.4
the organization.
Designation
Assistant Manager
Powers
Administrative
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
21)
22)
To Check Day book, General Ledger and

willarrangetoprepareTrialBalanceatthe
closeofeachmonth.
To prepare Balance sheet, Profit and Loss
accountannually.
To check voucher register and gives
certificateontheDayBookasprescribedby
theSADB.
TocheckQuitsBandiofSADBandBalance
BookofloanwithSADB.
ToarrangethepreparationofQuistBandiof
normal and scheme loans will ensure
reinsuranceofrecoverynotestothefarmers
wellintime.
To arrange to prepare F.O. wise recovery
registers.
To arrangetopreparerecoveryreportsand
send telegrams/fax to SADB in recovery
season.
Tomakecomplianceofmonthlyvisitnotes
andInspectionnotes.
To check lead Bank statements and
submissionofleadBankreports.
Tocheckdispatchregister.
To maintain Banker no.2 and to prepare
reconciliation's.
Towritemaincashbookdailyanddeposit
thesurpluscashinCCB.
Tocheckthereceiptbookandsigneditas
tokenofitscorrectness.
To check advance register, sundry register
andensureitsBalanceBook.
Tochecksalaryregister,T.A.tostaffregister
andT.A.tocommitteemember'sregister.
To check furniture fixture, library register,
pettyarticlesregisterandtelephoneregister.
To ensure to secure tour programme &
diariesfromF.Os.
To ensure to issue certificates to A class
member's register, share allotment, share
transfer certificates, villagewise members
registers,loanfeeregisters.
To check T.A. check register, advance
registerandwillmakepaymentstoallkind
ofbill.
Tochecktheinterestatthecloseoftheyear.
Tochecktheworkofshareseat.
HeisthecustodianofKeyNo2ofcash.
Financial
Others
10
Duties
11
Chapter-4 (Manual-3)
Rules, Regulations, Instructions, Manuals and
Records, for Discharging Functions
4.1
Please provide list of rules, regulations, instructions, manuals and records,

held by public authority or under its control or used by its employees for
discharging functions as per the following format. This format has to be
filled for each type of document.
Name/title of
Document
: The Punjab
Cooperative
Agricultural
Development
Banks Act - 1957
& Rules 1959
Brief Write-up on the Document
Rules &
Regulations
Type of the document
Choose one of the types given below.

(Rules,Regulations,Instructions,
Manual,
Records,Others)
An Act to supplement the provisions of the Punjab

Cooperative Societies Act, 1954 in order to
facilitate
the
working
of
the
Cooperative
Agricultural Development Banks in the State of

Punjab
From where can one get a copy of

rules, regulations, instructions,
manual and records
Address:
The Punjab State Cooperative Agricultural
Development Bank Limited, SCO 53 54, Bank
Square, Sector 17-B, Chandigarh.
Telephone No.: 0172-5011708,0172-5011700,
0172-5011703,0172-2708134
Fax: 2705513
Email: sadbmd@yahoo.in
Others:
Fee charged by the Department for

copy of rules, regulations,
instructions, manuals and records (If
any)
As determined by the Bank from time to time.
Name/title of
document
: Bye-Laws of the
Punjab State
Coop. Agricultural
Dev. Bank Ltd.

manual and records
Rules

(Rules, Regulations,Instructions, Manual,
Records,Others)
Rules governing the working of the Bank.
Address:
Development Bank Limited, SCO 53 54,
Bank Square, Sector 17-B, Chandigarh.
Telephone No.: 0172-5011708, 01725011700 , 0172-5011703,0172-2708134
Fax: 2705513
Others:

any)
Name/title of
Document
: Common Cadre
Rules, 1978 amended
upto 22.09.2008 of
Punjab State
Coop. Agricultural
Dev. Bank Ltd.
Rules &
Regulations

Records,Others)
Manual,
Rules governing the service conditions of the

employees of the Bank.
From where can one get a copy of rules,

regulations, instructions, manual and
records
Address:
Telephone No.: 0172-5011708, 0172-5011700,
0172-5011703,0172-2708134
Fax: 2705513
Others:
copy of rules, regulations, instructions,
manuals and records (If any)
Name/title of
Document
: Documentation &
Procedure for grant
of loans by the
Primary Cooperative
Agricultural
Development Banks
in the State
.
Instructions

Records,Others)
Manual,
Instructions & guidelines with regard to the

precedure for grant of loans.

manual and records
Address:
Telephone No.: 0172-5011708,0172-5011700,
0172-5011703,0172-2708134
Fax: 2705513
Others:

any)
Name/title of
Document
: Loan Policy.
Manual

(Rules,Regulations,Instructions,Manual,
Records,Others)
It contains the procedure to advance loans to its

members.

manual and records
Address:
Telephone No.: 0172-5011708,0172-5011700,
0172-5011703,0172-2708134
Fax: 2705513
Others:

any)
Name/title of
Document
: Annual Report
Manual

Records,Others)

manual and records
Manual,
Handbook of Statistics
Address:
Telephone No.: 0172-5011708,0172-5011700,
0172-5011703,0172-2708134
Fax: 2705513
Others:

any)
Chapter5(Manual4)
Particularsofanyarrangementthatexistsfor
consultationwith,orrepresentationby,the
membersofthepublicinrelationtotheformation
ofitspolicyorimplementationthereof
Formulation of Policy
5.1
S. No.
1.
Whetherthereisanyprovisiontoseekconsultation/participationofpublicor
itsrepresentativesforformulationofpolicies?Ifthereis,pleaseprovidedetails
ofsuchpolicyinfollowingformat.
Subject/Topic
Governing Body
Is it mandatory to ensure
Arrangements for
public participation (Yes/No)
seeking public
Yes
participation
Through election from
amongst the members
Implementation of Policy
5.2
S. No.
1.
Whether there is any provision to seek consultation/participation of public or

its representatives for implementation of policies? If there is, please provide
details of provisions in the following format.
Subject/Topic
Governing Body
Is it mandatory to ensure
Arrangements for seeking
public participation
public participation
(Yes/No)
Yes
The elected Board of

Directors governs the Bank
Chapter6(Manual5)
Astatementofthecategoriesofdocumentthatare
heldbyitorunderitscontrol
6.1
S.
Use the format given below to give the information about the official
documents.Alsomentiontheplacewherethedocumentsareavailablefore.g.
atsecretariatlevel,directoratelevel,others(Pleasementionthelevelinplace
ofwritingOthers)
Category of the
No.
1.
document
Accounts Statement
Name of the
Procedure to
Held by/under
document and its
obtain the
control of
introduction in one
document
line
Pass Book
Personal Request
Asst. Manager /
Deputy Manager
Manager (Primary
2.
Clearance Certificate
No Due Certificate
Personal Request
Rules & Regulations
Personal Request
Rules&Regulations
Rules&Regulations
Manual
The Punjab
Cooperative
Agricultural
Development Banks
Act, 1957 and Rules,
1959
Bye-laws of Punjab
State Cooperative
Agricultural
Development Bank
Ltd.
Common Cadre Rules
of Punjab State
Cooperative
Agricultural
Development Bank
Ltd.
Loan Policy
Instructions
Documentation &
Procedure of grant of
Personal Request
Personal Request
Personal Request
Personal Request
Bank)
Assistant Public
Information
Officer/ Public
Information
Officer
Assistant Public
Information
Officer/ Public
Information
Officer
Assistant Public
Information
Officer/ Public
Information
Officer
Assistant Public
Information
Officer/ Public
Information
Officer
Assistant Public
Information
Loans
Officer/ Public
Information
Officer
Chapter7(Manual6)
AstatementofBoard,Council,Committeesand
otherBodiesconstitutedasitspart
7.1
Please provide information on Boards, Councils, Committees and Other

Bodiesrelatedtothepublicauthorityinthefollowingformat:
NameandaddressoftheAffiliatedBody
ThePunjabStateCooperativeAgriculturalDevelopmentBankLimited,SCONo.
5354,BankSquare,Sector17B,Chandigarh.
*TypeofAffiliatedBody(Board,Council,Committees,OtherBodies).
ThisisanApexCooperativeSocietygovernedbyBoardofDirectorswhichalso
hasGovt.Nominees.
* BriefIntroductionoftheAffiliatedBody(EstablishmentYear,Objective/Main
activities).
ThisBankwasestablishedintheyear1958withtheobjectiveofprovidinglong
termcreditfacilitiestothefarmersforagricultureandalliedactivities.
*RoleoftheAffiliatedBody(Advisory/Managing/Executive/Others).
NotApplicable.
*StructureandMemberComposition.
GovernmentappointsanofficerasManagingDirectorwhoperformsasperthe
directionsofBoardofDirectors,whichconsistsofDirectorselectedbytheelected
bodiesoftheprimaryBanks.OneDirectoriselectedfromeachzoneasperBye
Law No.29oftheByeLawsoftheBank.BoardOfDirectorsalsoincludes3
Govt. Nominees, a Nominee of Pb. State Cooperative Bank, NABARD and
Registrar,CooperativeSocieties,Punjab.
*HeadoftheBody.
BoardofDirectorsistheheadofthebody.
*Addressofmainofficeanditsbranches.
ThePunjabStateCooperativeAgriculturalDevelopmentBankLimited,
SCONo.5354,BankSquare,Sector17B,Chandigarhandthereare89
PrimaryBanksintheStateofPunjab(listenclosed).
*FrequencyofMeetings.
AtleastonemeetingofBODsisrequiredtobeheldinaquarter
*Canpublicparticipateinthemeetings?
GeneralPubliccannotparticipateinthemeeting.
*Aretheminutesofthemeetingprepared?
Yes,theminutesofthemeetingareprepared.
Designated as
(Name of the
Officer need not
Sr. Name of
Name of the Present Post Held to be
Office
Office FAX Office ENo. the Officer by the Officer
mentioned)
Office Address Phone No. No.
Mail
1
2
3
4
5
6
7
8
HEAD OFFICE :
CHANDIGARH
A.
S. Gurbir
Singh
Mangat
Managing Director The Punjab

State Cooperative Agricultural
Development Bank Ltd.,
Chandigarh
S. Gurmit
Singh Brar
Addl. Managing Director, The

Punjab State Cooperative
Public
Agricultural Development Bank Information
Ltd., Chandigarh
Officer
S. Balbir
singh Gill
SCO 51-54,
Sector -17B,
Chandigarh
01725011708
SCO 51-54,
Sector -17B,
Chandigarh
01725011727
D. General Manager, The

Assistant Public SCO 51-54,
Agricultural Development Bank Information
Sector -17B,
Ltd., Chandigarh
Officer
Chandigarh
01725011703
Appellate
Authority
sadbmd@g
mail.com
FIELD OFFICES :
Regional Office Patiala
B.
1
Sh.
Bhupinder
Sharma
Regional Officer, The Punjab

Regional Office, Patiala
AA
SCO - 8, SST
Nagar, Rajpura
Road, Adjoining
Sareen
Hospital,Patiala
01755002852,
01752213
493
ropatiala1
@gmail.co
m
Distt. : Patiala
Sh. A S
Cheema
Asstt. General Manager, The

Agricultural Development Bank
Ltd., District Office, Patiala
PIO
Sh.
Manager,The Patiala Primary
Kamaldeep Cooperative Agricultural
1 Singh
Development Bank Ltd., Patiala APIO
The Dudhan Sadhan Primary
Cooperative Agricultural
Sh. Rajesh Development Bank
2 Gupta
Ltd., Devigarh
APIO
Sh.
Gagandeep The Nabha Primary Cooperative
Singh (Dy. Agricultural Development Bank
3 Mgr.)
Ltd.,Nabha
APIO
SCO - 8, SST
Nagar, Rajpura
Road, Adjoining
Sareen
01750175Hospital,Patiala 5002939, 5012939
agmpatiala
1@gmail.co
m
SCO - 8, SST
Nagar, Rajpura
Road, Adjoining
Sareen
0175Hospital,Patiala 5001188
padbpatiala
1@gmail.co
m
Chhanna Mor, D
evigarh
Mohalla Basantp
ura,
Old SabjiMandi,
Nabha
01755061109
01752631023
padbdeviga
rh1@gmail.
com
01765222584
padbnabha
1@gmail.co
m
Near Police
Station, Court
Road ,Rajpura
01762222202,
01762501180
padbrajpur
a1@gmail.c
om
Ward No.
02, Ghanour
01762267379
padbghana
ur1@gmail.
com
Sh. Amrik
6 Singh
The Samana Primary

Development Bank Ltd.,Samana APIO
Near Police
01764Station, Samana 220162
padbsaman
a1@gmail.c
om
Sh.
Satwinder
7 Singh
The Patran Primary Cooperative

Ltd.,Patiala
APIO
Behind Bus
Stand, Chingra R 01764oad,Patran
244500
padbpatran
1@gmail.co
m
Sh.
Baljinder
4 Singh
The Rajpura Primary

Development Bank Ltd.,Rajpura APIO
The Ghanour Primary
Sh. Pawan Development Bank
5 Preet Singh Ltd.,Ghanour
APIO
Distt. : Fatehgarh Sahib
II
Sh. Raj
Kumar
S. Darshan
8 Singh
S. Nirbhai
Singh (Dy.
9 Mgr.)

Ltd., District Office, Fatehgarh
Sahib
PIO
Manager, The Fatehgarh Sahib
Primary Cooperative
Ltd., Sirhind
APIO
Manager,The Bassi-Pathana
Primary Cooperative
Ltd., Bassi-Pathana
APIO
Manager, The Amloh Primary

Sh. Ram Lal Cooperative Agricultural
10 (Mgr.)
Development Bank Ltd., Amloh APIO
Manager, The Khamano
Primary Cooperative
S. Ravinder Agricultural Development Bank
11 Singh
Ltd., Khamano
APIO
III
Railway Road,
Sirhind
01763509908
01763509908
agmfatehga
rhsahib1@g
mail.com
01763229130,50
2851
padbsirhind
1@gmail.co
m
01763509268
padbbassip
athana1@g
mail.com
Amloh
Gobindgarh
Road, Amloh
01765231233
padbamloh
1@gmail.co
m
Anaj Mandi,
Khamano
01628268386
padbkhama
no1@gmail.
com
Railway Road,
Sirhind
Market
Committee
Building, BassiPathana
Distt. : Ropar
S. Sukhdev Agricultural Development Bank
Singh
Ltd., District Office, Ropar
PIO
Manager, The Chandigarh

Primary Cooperative
S. Jaswinder Agricultural Development Bank
12 Singh
Ltd., Ropar
APIO
339-B, Giani Zail

Singh Nagar,
Opposite
Ambedkar
01881Bhawan, Ropar 228940
339-B, Giani Zail

Singh Nagar,
Opposite
Ambedkar
01881Bhawan, Ropar 222312
01881222312
agmropar1
@gmail.co
m
padbropar1
@gmail.co
m
S. Ajaib
Singh(Dy.
Mgr.), Addl.
13 Charge
Manager , The Morinda Primary

Morinda
APIO
Near P.N. Bank,

LudhianaChandigarh
0160Road, Morinda 2633280
S. Ajaib
Singh (Dy.
14 Mgr.)
Manager, The Anandpur Sahib

Primary Cooperative
Ltd., Anandpur Sahib
APIO
Sh. Sandip
Inder Pal
15 Singh, AM
Manager ,The Kharar Primary

Development Bank Ltd., Kharar APIO
Opposite Channdi-Hatti, Main

Bazar, Anandpur
Sahib
Near Old
Telephone
Exchange,
Landran Road,
Kharar
Manager, The Dera Bassi

Primary Cooperative
S. Kanwarjit Agricultural Development Bank
16 Singh
Ltd., Dera Bassi
APIO
IV
Distt. : Sangrur
Asstt. General Manager , The
S. Jatinder Agricultural Development Bank
Singh
Ltd., District Office, Sangrur
PIO
Manager, The Sangrur Primary
S.
Sukhminder Development Bank Ltd.,
17 Singh
Sangrur
APIO
S. Anmol
18 Singh
Manager, The Bhawanigarh

Primary Cooperative
Ltd., Bhawanigarh
APIO
Sh.
Bhupinder
19 Khurana
Manager, The Lehragaga

Primary Cooperative
Ltd., Lehragaga
APIO
Sh.Nirmal
20 Singh (A.M.)
Manager,The Sunam Primary

Development Bank Ltd., Sunam APIO
padbmorin
da1@gmail.
com
01887233185
padbanand
pursahib1@
gmail.com
01602060476,5
009476
padbkharar
1@gmail.co
m
Opposite B.D.O.
Complex
Building,
ChandigarhDelhi Road,
01762Dera Bassi
280567
padbderaba
ssi1@gmail.
506193 com
Old F.C.I.
Building, Nabha 01672Gate, Sangrur
241151
agmsangrur
1@gmail.co
m
Old F.C.I.
Building, Nabha
Gate, Sangrur
Opposite
Telephone
Exchange, Grain
Market,
Bhawanigarh
Near Jakhal
Railway Station
Crossing,
Chainpura Basti,
Lehragaga
Near Railway
Crossing, Bus
Stand, Patiala
Road, Sunam
01672240151
01763232049
padbsangru
r1@gmail.c
om
01672272062
padbbhawa
nigarh1@g
mail.com
01676272311
padblehrag
aga1@gmai
l.com
01676220085
padbsunam
1@gmail.co
m
Sh. Jasbir
21 Singh (A.M.)
Manager, The Dirba Primary

Development Bank Ltd., Dirba
APIO
Gabri Road, Near

New Tehsil,
01676Dirba
243817
S. Gurdev
Singh (Dy.
22 Mgr.)
Manager, The Malerkotla

Primary Cooperative
Ltd., Malerkotla
APIO
Opposite
Markfed Office,
Dhuri Road,
01675Malerkotla
254174
padbmalerk
otla1@gmai
l.com
Manager,The Dhuri Primary

Development Bank Ltd., Dhuri
Manager,The Sherpur Primary
Sherpur
APIO
Near Kranti
Chowk, Tehsil
Road, Dhuri
01675221217
padbdhuri1
@gmail.co
m
APIO
Near Dr. Gian

Street, Katron
01675Chowk, Sherpur 234430
padbsherpu
r1@gmail.c
om
Opposite P.S.E.B.
Office Dhanaula 01679Road, Barnala
500161
agmbarnala
1@gmail.co
m
Manager , The Barnala Primary

Sh. Mukesh Cooperative Agricultural
25 Kumar
Development Bank Ltd.,Barnala APIO
Opposite P.S.E.B.
Office Dhanaula 01679Road, Barnala
230272
padbbarnal
a1@gmail.c
om
Manager, The Tappa Primary

S.Inderjit
26 Singh (AM) Development Bank Ltd.,Tappa
Near Telephone
Exchange, Main 01679Bazar, Tappa
272710
padbtapa1
@gmail.co
m
Near Govt.
College for Boys,
Sant Nagar, Civil 0161Lines, Ludhiana 2400671
agmludhian
a1@gmail.c
om
Sh.
Shailendra
23 Kumar
Sh. Manjit
Kumar,
24 (Mgr.)
padbdirba1
@gmail.co
m
Distt. : Barnala
Asst. General Manager, The

Sh. Rajnish Agricultural Development Bank
Bansal
Ltd., District Office, Barnala
PIO
PIO
Distt : Ludhiana
VI
Asst. General Manager, The

S.
Mansimran Agricultural Development Bank
Singh
Ltd., District Office, Ludhiana
PIO
S.
Parminder
Singh (Dy.
27 Mgr)
Manager,The Ludhiana Primary

Ludhiana
APIO
Manager,The Malaudh Primary
S. Shavinder Development Bank Ltd.,
28 Singh Brar Malaudh
APIO
01612400671
Near Govt.
College for Boys,
Sant Nagar, Civil 0161Lines, Ludhiana 2410804
padbludhia
na1@gmail.
com
Near Grain
Market, Payal
Road, Malaudh
padbmalou
d1@gmail.c
om
01612857501
S. Sarabjit
29 Singh
Sh. Atul
Krishan
30 (AM)
Manager, The Jagraon Primary

Jagraon
APIO
Manager, The Raikot Primary
Development Bank Ltd., Raikot APIO
Manager, The Doraha Primary

S. Mohinder Cooperative Agricultural
31 Singh (AM) Development Bank Ltd., Doraha APIO
S. Maghar
Singh (Dy.
32 Mgr.)
Sh.
Gurmukh
33 Singh
34 Sh. Balraj
Manager, The Samrala Primary

Samrala
APIO
Manager, The Machhiwara
Primary Cooperative
Ltd., Machhiwara
APIO
Manager, The Khanna Primary

Development Bank Ltd., Khanna APIO
Near State Bank

of Patiala, Link 01624Road, Jagraon
222419
Near Old Tehsil 01624Complex, Raikot 264914
Near Old
Tehsil
padbjagrao
n1@gmail.c
om
padbraikot1
@gmail.co
m
01628257012
padbdoraha
1@gmail.co
m
01628262209
padbsamral
a1@gmail.c
om
Near Bus Stand, 01628Machhiwara

250951
padbmachh
iwara1@gm
ail.com
S.C.F.-29,
Narottam Nagar
Complex,
Opposite
Telephone
Exchange,
Samadhi Road, 01628Khanna
238498
padbkhann
a1@gmail.c
om
Near Grain
Market, Doraha
Near Police
Station,
ChandigarhLudhiana Road,
Samrala
Region : Ferozepur &

Faridkot
Distt. : Faridkot
VII
Sh. Vinod
Kumar
DGM/RO
Addl.
Charge
Regional Officer , The Punjab

Regional Office, Faridkot &
Ferozepur
AA
Kotkapura Road,
Opposite
Harindra Nagar 01632Gate, Faridkot
248307
01632248307
roferozepur
1@gmail.co
m
Asstt. General Manager ,The

S. Ripdaman Agricultural Development Bank
Singh
Ltd., District Office, Faridkot
PIO
Kotkapura Road,
Opposite
Harindra Nagar 01639Gate,Faridkot
250891
01639250192
agmfaridkot
1@gmail.co
m
S. Jagtar
35 Singh
Manager,The Faridkot Primary

Faridkot
APIO
Kotkapura Road,
Opposite
Harindra Nagar 01639Gate,Faridkot
250192
padbfaridko
t1@gmail.c
om
S. Major
Singh (Dy.
36 Mgr.)
VIII
Manager,The Jaito Primary

Development Bank Ltd., Jaito
APIO
Manager, The Fazilka Primary

Sh. Manoj Cooperative Agricultural
39 Kumar (AM) Development Bank Ltd., Fazilka APIO
Manager, The Jalalabad Primary
Sh. Lajinder Development Bank Ltd.,
40 (AM)
Jalalabad
APIO
Manager,The Zira Primary
Development Bank Ltd., Zira
APIO
Manager, The Abohar Primary

S. Gurmeet Cooperative Agricultural
42 Singh (A.M.) Development Bank Ltd., Abohar APIO
iX
padbjaito1
@gmail.co
m
01635230420
Distt : Ferozepur

Sh.
Ripdaman Agricultural Development Bank
Singh
Ltd., District Office, Ferozepur PIO
Manager ,The Ferozepur
Primary Cooperative
S. Gurpreet Agricultural Development Bank
37 Singh
Ltd., Ferozepur
APIO
Manager, The Guru Har Sahai
S. Baljit
Primary Cooperative
38 Mgr.)
Ltd., Guru Har Sahai
APIO
Sh. Ved
Parkash
41 (AM)
Near Railway
Station, Main
Road, Jaito
Near Church,
The Mall Road,
Ferozepur City
Near Church,
The Mall Road,
Ferozepur City
1632248307
agmferozep
ur1@gmail.
com
01632242969
padbferoze
pur1@gmai
l.com
Faridkot Road,
Guru Har Sahai
01685230487
padbguruha
rsahai1@g
mail.com
Near Truck
Union, Abohar
Road, Fazilka
01638262740
padbfazilka
1@gmail.co
m
01638251337
padbjalalab
ad1@gmail.
com
01682250709
padbzira1@
gmail.com
01634223017
padbabohar
1@gmail.co
m
Near Old Bus

Stand, T.F. Road,
Jalalabad
Near Hari Singh
Market, New
Talwandi Road,
Zira
New Grain
Market, Fazilka
Road, Abohar
Distt : Bathinda
Sh. Rajnish Punjab State Cooperative
Bansal
(AGM)
Ltd., District Office, Bathinda
PIO
Manager, The Bathinda Primary
S. Balwant Development Bank Ltd.,
43 Singh
Bathinda
APIO
Manager, The Nathana Primary
Sh.Varinder Cooperative Agricultural
Kumar (Dy. Development Bank Ltd.,
44 Mgr.)
Nathana
APIO
Near Children
Park, Civil Lines, 0164Bathinda
2217562
01642212311
agmbathind
a1@gmail.c
om
Near Children
Park, Civil Lines, 0164Bathinda
5007932
padbbathin
da1@gmail.
5007937 com
Goniana-Ganga
Road, Opp.
Punjab National 0164Bank, Nathana 2750251
padbnathan
a1@gmail.c
om
Manager,The Rampuraphul
Primary Cooperative
Ltd., Rampuraphul
APIO
Manager, The Talwandi Sabo
Primary Cooperative
S. Jagroop Agricultural Development Bank
46 Singh (A.M.) Ltd., Talwandi Sabo
APIO
Sh. Vikram
Kumar
45 (A.M.)
S.
Harcharan
47 Singh
Manager, The Raman Primary

Development Bank Ltd., Raman APIO
Near Railway
Station, Bank
Square,
Rampuraphul
01651266230
padbrampu
raphul1@g
mail.com
Near Verka
Chowk, Talwandi 01655Sabo
220261
padbtalwan
disabo1@g
mail.com
Gaushala Road,
Raman
01655242249
padbramam
andi1@gma
il.com
Near Bansal Oil

Petrol Pump,
Rambagh Road,
Mansa
01652230595
01652232695
agmmansa1
@gmail.co
m
Distt : Mansa
S. Jatinder
Singh

Ltd., District Office, Mansa
PIO
S.
Manager, The Mansa Primary
Kulwinder Cooperative Agricultural
48 Singh (AM) Development Bank Ltd., Mansa APIO
Manager, The Budhlada
Primary Cooperative
S. Navdeep Agricultural Development Bank
49 Singh (AM) Ltd., Budhlada
APIO
Near Bansal Oil

Petrol Pump,
Rambagh Road,
Mansa
Railway Road,
Gurudwara
Singh Sabha,
Budhlada
Sh.
Gurvinder
Singh
50 (Dy.Mgr)
Shop No. 23, 1st

Floor, Grain
Market,
01659Sardulgarh
250127
Manager, The Sardulgarh

Primary Cooperative
Ltd., Sardulgarh
APIO
01652230595
01652232695
padbmansa
1@gmail.co
m
01652254293
padbbudhla
da1@gmail.
com
padbsardul
garh1@gm
ail.com
Distt : Moga
XI

Sh. Jagdeep Agricultural Development Bank
Ghai(AGM) Ltd., District Office, Moga
PIO
Near Bank of
Punjab, G.T.
Road, Moga
01636283436
Near Bank of
Punjab, G.T.
Road, Moga
01636222529
padbmoga1
@gmail.co
m
Manager,The Bahgapurana
Primary Cooperative
S.Davinder Agricultural Development Bank
52 Singh (AM) Ltd., Bahgapurana
APIO
Near Thapar
Petrol Pump,
Kotkapura Road, 01636Baghapurana
241427
padbbagha
purana1@g
mail.com
S.
Parminder
Singh (Dy.
53 Mgr)
Paramjit Singh
Market, Barnala
Road, Nihalsingh 01636wala
254293
padbnihalsi
nghwala1@
gmail.com
S. Rajbir
51 Singh
Manager,The Moga Primary

Development Bank Ltd., Moga
APIO
Manager, The Nihalsingh Wala

Primary Cooperative
Ltd., Nihalsingh Wala
APIO
01636222529
agmmoga1
@gmail.co
m
Manager, The Dharamkot

S. Baljinder Primary Cooperative
54 Mgr.)
Ltd., Dharamkot
APIO
XII
Distt. : Muktsar
Sh. Sham
Lal

Ltd., District Office, Muktsar
PIO
Manager, The Muktsar Primary

S. Ravinder Cooperative Agricultural
Pal Singh
55 (Mgr.)
Muktsar
APIO
Manager, The Gidderbaha
Primary Cooperative
Akbar Ali
56 (AM)
Ltd., Gidderbaha
APIO
Near Court,
Dholewala Road, 01682Dharamkot
222445
padbdhara
mkot1@gm
ail.com
Near Govt.
College,
Opposite People
Petrol Pump,
Kotkapura Road, 01633Muktsar
269449
agmmuktsa
r1@gmail.c
om
01633269449
Near Govt.
College,
Opposite People
Petrol Pump,
Kotkapura Road, 01633Muktsar
262449
padbmukts
ar1@gmail.
com
Near A.R. Office,

Cinema Road,
01637Gidderbaha
230848
padbgidder
baha1@gm
ail.com
Sh.
Bhawesh
57 Kumar
Manager, The Malout Primary

Development Bank Ltd., Malout APIO
Opposite Adarsh
Cinema, Nagpal
Nagri on
National
Highway No. 10,
Malout
01637501149
01637262149
padbmalout
1@gmail.co
m
S. Ranjit
58 Singh
Manager, The Lambi Primary

Development Bank Ltd., Lambi APIO
Opposite Sadar
Thana, National
Highway No. 10, 01637Lambi
240349
padblambi1
@gmail.co
m
58/505,
Opposite Jr.
Model Co-Ed.
School, Nehru
Garden Road,
Jalandhar
01812227943
01812227943
rojalandhar
1@gmail.co
m
58/505,
Opposite Jr.
Model Co-Ed.
School, Nehru
Garden Road,
Jalandhar
01812457389
01812457389
agmjalandh
ar1@gmail.
com
Regional Office Jalandhar
Smt.
Rajwinder
Randhawa,
DGM
Regional Officer , The Punjab

Regional Office, Jalandhar
AA
Distt : Jalandhar
XIII
Sh. Chajju
Ram,AGM
Asstt. General Manager The

Ltd., District Office, Jalandhar PIO
Manager,The Jalandhar Primary

Sh. Vijay
59 Kumar, Mgr Jalandhar
APIO
58/505,
Opposite Jr.
Model Co-Ed.
School, Nehru
Garden Road,
Jalandhar
01812457103
padbjaland
har1@gmail
.com
01812783124
padbkartar
pur1@gmai
l.com
01821220061
padbnakod
ar1@gmail.
com
01821261296
padbshahko
t1@gmail.c
om
01826262194
padbgoraya
1@gmail.co
m
Plaza Market,
Dana Mandi
Road, Near Bus 01826Stand, Nurmahal 242806
padbnurma
hal1@gmail
.com
Manager, The Kartarpur

Primary Cooperative
Ltd., Kartarpur
APIO
Manager, The Nakodar Primary
Milton
61 Singh
Nakodar
APIO
Manager, The Shahkot Primary
S. Kulbir
62 Singh (AM) Shahkot
APIO
Mohalla
Chandan Nagar,
Behind Kartapur
Malwa Filling
Station, G.T.
Road., Kartapur
Near Onkar
Cinema,
Nurmahal Road,
Nakodar
Mohalla Azad
Nagar, Near
Police Station,
Shahkot
Manager, The Goraya Primary

Sh.Sulekh Cooperative Agricultural
63 Raj Sharma Development Bank Ltd., Goraya APIO
Opposite Bank
of Baroda, G.T.
Road, Goraya
S.
Amardeep
Singh (Dy.
60 Mgr)
Manager, The Nurmahal

S. Balwinder Primary Cooperative
64 Mrg.)
Ltd., Nurmahal
APIO
XIV
Distt. : Nawanshahr
Sh.
Ravinder
Ltd., District Office,
Pathania
Nawanshahr
PIO
Manager, The Nawanshahr
Sh.
Primary Cooperative
Charanjit Lal Agricultural Development Bank
65 (Dy. Mgr.) Ltd., Nawanshahr
APIO
Manager, The Balachour

Primary Cooperative
Sh.
66 Harmesh Lal Ltd., Balachour
APIO
Sh.
Jaswinder Manager, The Banga Primary
Singh (Dy. Cooperative Agricultural
67 Mgr.)
Development Bank Ltd., Banga APIO
01823Near City Thana, 503925

Old Court Road, 01823Nawanshahr
227199
01823227199
agmnawans
hahr1@gm
ail.com
Near City Thana,

Old Court Road, 01823Nawanshahr
220199
padbnawan
shahr1@gm
ail.com
H No-677, ward
no-3, Bhadi
Road, Near Gur
Nanak Hospital, 01885Balachour
220053
padbbalach
aur1@gmail
.com
Opposite Civil
01823Hospital, Banga 260619
padbbanga
1@gmail.co
m
Distt. : Gurdaspur
XV

S. Swaran Agricultural Development Bank
Singh
Ltd., District Office, Gurdaspur PIO
Manager, The Gurdaspur
Primary Cooperative
Sh. Ramesh Agricultural Development Bank
68 Chand (AM) Ltd., Gurdaspur
APIO
Manager, The Batala Primary
Development Bank Ltd., Batala
Manager, The Dera Baba Nanak
S.
Primary Cooperative
Surinderpal Agricultural Development Bank
70 Singh
Ltd., Dera Baba Nanak
Manager, The Pathankot
Sh.
Primary Cooperative
Baljinder
71 Singh
Ltd., Pathankot
Manager, The Kahnuwan
Primary Cooperative
S. Maninder Agricultural Development Bank
72 Singh
Ltd., Kahnuwan
XVI
Distt. : Hoshiarpur
S. V. P.
69 Singh(AM)
Sh. Nirmal
Dass, AGM
Addl.
charge
Jail Road,
Gurdaspur
01874221962
Jail Road,
Gurdaspur
01874221960
APIO
Jalandhar, Road, 01871Batala 143505 240396
APIO
Near Tehsil
Office, Dera
Baba Nanak
01874221960
agmgurdas
pur1@gmai
l.com
padbgurdas
pur1@gmai
l.com
01871240396
padbbatala
1@gmail.co
m
01871247095
padbderaba
bananak1@
gmail.com
APIO
01862221469
padbpathan
kot1@gmail
.com
APIO
01872259556
padbkahnu
wan1@gma
il.com
Shakari Bahwan,
Railway Road,
01882Hoshiarpur
245729
agmhoshiar
pur1@gmai
l.com
S. Gurdev
73 Singh

Ltd., District Office, Hoshiarpur PIO
Manager, The Hoshiarpur
Primary Cooperative
Ltd., Hoshiarpur
APIO
S. Narinder
74 Singh(A. M.)
S.
Jagwinder
Singh (Dy.
75 Mgr.)
Manager, The Dasuya Primary

Development Bank Ltd., Dasuya APIO
Manager,The Mukerian Primary
Mukerian
APIO
Manager, The Garhshankar

Sh.Narinder Primary Cooperative
Mohan
76 (A.M)
Ltd., Garhshankar
APIO
01882255093
Shakari Bahwan,
Railway Road,
01882Hoshiarpur
245730
padbhoshia
rpur1@gma
il.com
Near S.D.M
Chowk, G.T.
Road, Dasuya
01883285051
padbdasuya
1@gmail.co
m
Opposite Civil
Rest House, G.T. 01883Road, Mukerian 244013
padbmukeri
an1@gmail.
com
Opposite Grain
Market, Near
Bus Stand,
Garhshankar
padbgarhsh
ankar1@gm
ail.com
01884282068
Manager, The Mahilpur Primary

Sh. Paramjit Cooperative Agricultural
Lal (Dy.
77 Mgr.)
Mahilpur
APIO
G.T. Road,
Mahilpur
01884247347
Majitha Road,
Amritsar
01832422906
padbmahilp
ur1@gmail.
com
Distt. : Amritsar
XVII

Sh. Sunil
Mahajan
Ltd., District Office, Amritsar
PIO
Manager,The Amritsar Primary
S.
Surinderpal Development Bank Ltd.,
78 Singh
Amritsar
APIO
01832423259
agmamritsa
r1@gmail.c
om
Majitha Road,
Amritsar
01832423259
padbamrits
ar1@gmail.
com
Manager, The Ajnala Primary

Development Bank Ltd., Ajnala APIO
Manager, The Baba Bakala
Primary Cooperative
S. Surinder Agricultural Development Bank
80 Singh
Ltd., Baba Bakala
APIO
Fathegarh
Churian Road,
Ajanla
01858221046
padbajnala
1@gmail.co
m
Inside Bus Stand, 01853Baba Bakala

245651
padbbabab
akala1@gm
ail.com
Manager, The Lopoke Primary

S. Harvinder Cooperative Agricultural
81 Singh
Development Bank Ltd., Lopoke APIO
XVII
I
Distt. : Tarn Taran
With M.L.A.
Kothi, Raniana
Road, Lopoke
1858244859
padblopoke
1@gmail.co
m
01852229928
agmtarntar
an1@gmail.
com
01852222448
padbtarntar
an1@gmail.
com
01859248228
padbcholas
ahib1@gma
il.com
01851244470
padbpatti1
@gmail.co
m
Patti Bus Stand, 01851Bhikhiwind

272747
padbbhikhi
wind1@gm
ail.com
Sh. Rohit
Sharma
79 (AM)
Harpreet
Singh
Cheema
S. Gurdev
82 Singh
S. Rashpal
83 Singh

Ltd., District Office, Tarn Taran PIO
Manager, The Taran Taran
Primary Cooperative
Ltd., Taran Taran
APIO
Manager, The Chohla Sahib
Primary Cooperative
Ltd., Chohla Sahib
APIO
Smt.
Manager,The Patti Primary
Gurdev
84 Kaur (A.M) Development Bank Ltd., Patti
S. Satnam
85 Singh
XIX
APIO
Manager, The Bhikhiwind

Primary Cooperative
Ltd., Bhikhiwind
APIO
Distt. : Kapurthala
Opposite
Harkishen Public
School, Jandiala
Road, Taran
Taran
Back Side of
Gurudwara
Arjun Devji,
Chohla Sahib
Anaj Mandi,
Railway Road,
Patti

S. Kamaljit Agricultural Development Bank
Singh
Ltd., District Office, Kapurthala
Manager, The Kapurthala
Primary Cooperative
Sh. Anil
86 Bhardwaj
Ltd., Kapurthala
Manager, The Sultanpur Lodhi
Sh. Pardeep Primary Cooperative
Kumar (Dy. Agricultural Development Bank
87 Mgr.)
Ltd., Sultanpur Lodhi
Manager,The Bholath Primary
Sh.
Gurprem
88 (AM)
Bholath
Manager, The Phagwara
Primary Cooperative
S. Harnek
89 Singh(AM) Ltd., Phagwara
PIO
Near Canara
Bank, The Mall,
Kapurthala
APIO
Near Canara
Bank, The Mall,
Kapurthala
Opposite S.D.
College for
Women,
Sultanpur
APIO
Bhogpur Adda,
Bholath
APIO
APIO
G.T. Road,
Phagwara
01822230289
01822230289
agmkapurth
ala1@gmail
.com
01822233362
padbkapurt
hala1@gma
il.com
01828222094
padbsultan
purlodhi1@
gmail.com
01822244281
padbbholat
h1@gmail.c
om
01824261002
padbphagw
ara1@gmail
502299 .com
Chapter9(Manual8)
ProcedurefollowedinDecisionMakingProcess
9.1
Whatistheprocedurefollowedtotakeadecisionforvariousmatters?(A
referencetoSecretariatManualandRuleofBusinessManual,andotherrules/
regulationsetc.canbemade.
Decision making procedure is prescribed under Common Cadre Rules which
governstheserviceconditionsoftheemployeesandthebyelawsoftheBank
whichdealswiththeprocedureforconductingofthebusiness/affairsBank.
9.2
What are the documented procedures/ laid down procedures/Defined

Criteria/Rulestoarriveataparticulardecisionforimportantmatters?What
aredifferentlevelsthroughwhichadecisionprocessmoves?
Asmentioned/repliedinabove9.1.
9.3
Whatarethearrangementstocommunicatethedecisiontothepublic?
i.
ii.
iii.
9.4
9.5
ThroughleadingNewspapersintheshapeofadvertisements.
ThroughRegisteredPostincaseofsingle/fewpersons.
ThroughPamphletsandPosters.
Who are the officers at various levels whose opinions are sought for the
processofdecisionmaking?
AlltheofficersoftheBankhierarchyfromtherankofManagerandabove.
Whoisthefinalauthoritythatwetsthedecision?
TheOfficersprescribedunderCommonCadreRulesandByelaws.
9.6
Please provide information separately in the following format for the

importantmattersonwhichthedecisionistakenbythepublicauthority.
Sr.No.
Subjectonwhichthedecisionisto
betaken
Guideline/Direction,ifany
ProcessofExecution
Designationoftheofficers
involvedindecisionmaking
ContactInformationofabove
mentionedofficers
Ifnotsatisfiedbythedecision,
whereandhowtoappeal.
ThedecisionsaretakenonthedifferentsubjectsasdefinedinCommonCadreRules
andByelawsoftheBankasunder:
NATUREOFPENALTY
1.
2.
3.
4.
5.
6.
7.
8.
9.
Sr.
No.
Censure.
Withholdingofhispromotion.
Recovery from his pay of the whole or part of any pecuniary loss caused by him to
Bank/PrimaryBankbynegligenceorbreachoforders.
WithholdingofIncrementofpay.
Reductiontoalowerstageinthetimescaleofpayforaspecifiedperiodwithfurther
directionastowhetherornottheBankemployeewillearnincrementofpayduringthe
periodofsuchreductionsandwhetherontheexpiryofsuchperiods,thereductionwillnot
havetheeffectofpostponingfutureincrementsofhispay.
Relaxationtoalowertimescaleofpay,grade,postorservicefromwhichshallordinarily
beabartothepromotionoftheBankemployeestothetimescaleofpay,grade,postor
servicefromwhichhewasreducedwithorwithoutfurtherdirectionsregardingcondition
ofrestorationtothegradeorpostorservicefromwhichtheBankemployeewasreduced
andhisseniorityandpayonsuchrestorationtothatgradepostorservice.
CompulsoryRetirement.
Removalfromserviceshallnotbeadisqualificationforfutureemploymentunderthe
Bank.
Dismissalfromservicewhichshallordinarilybeadisqualificationforfutureemployment
undertheBank.
Categoryof
postasin
AppendixI
Addl.
Managing
Director
(Banking)
General
Manager
Nameofthe
appointing
authority
Boardsubjectto
theapprovalof
Registrar.
Punishing
Authority
AppellateAuthority
BoardofDirectors.
Within90daysofthedateof
issuesoforderofpenaltywith
Registrar.
Boardsubjectto
theapprovalof
Registrar.
BoardofDirectors.
Registrar.
3.
SubjectMatter
Specialist
(SMS)/PO
Boardsubjectto
theapprovalof
Registrar.
BoardofDirectors.
Registrar.
4.
Boardsubjectto
theapprovalof
Registrar.
BoardofDirectors.
Within90daysofthedateofissue
oforderofpenaltywithRegistrar.
Managing
Director
ManagingDirector
oforderofpenaltywithBoard.
oforderofpenaltywithRegistrar.
9.
Manager
10.
Deputy
Manager
Managing
Director
Managing
Director
Managing
Director
Managing
Director
Addl.Managing
Director(A&G)
BoardofDirectors
8.
Dy.General
Manager/
Regional
Officer
Assistant
General
Manager/
District
Manager
System
Analyst
Sr.Law
Officer
LawOfficer
11.
Asstt.System
Addl.Managing
Addl.Managing
1.
2.
5.
6.
7.
ManagingDirector
ManagingDirector
ManagingDirector
Addl.Managing
Director(A&G)
oforderofpenaltywithManaging
Director.
Analyst
Director(A&G)
Director(A&G)
12.
Asstt.
Manager
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
13.
Programmer
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
14.
DataEntry
Operator
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
15.
Private
Secretary
Managing
Director
ManagingDirector
16.
SeniorP.A.
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
17.
SeniorScale
Stenogr
apher/P.A.
JuniorScale
Stenographer
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
19.
Stenotypist
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
20.
Clerks(Jr.
Assistant/Sr.
Clerk/Clerk)
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
21.
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Director.
22.
FieldOfficer
(ADO/
Sr.Field
Officer/Field
Officer)
Librarian
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
23.
PBXOperator
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
24.
Driver
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
25.
Jamadar
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
26.
Daftri
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
27.
Peon/
Chowkidar
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
28.
LiftOperator
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Director.
Director.
Director.
Director.
Director.
Director.
Director.
18.
Director.
Director.
Director.
Director.
Director.
Director.
Director.
Director.
Director.
29.
Gunman
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Director.
Director.
Director.
30.
Electrician
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
31.
Sweeper
Addl.Managing
Director(A&G)
Addl.Managing
Director(A&G)
Nameofservices
Authority
Competent
Extent
President/Registrar
FullPowers
CASUALLEAVE
Sr.
No
1.
Nameof
Powers
Sanctioningof
CasualLeave
i)Managing
Director
ManagingDirector
ii)AMD(A&G)
FullPowers
ManagingDirector
iii)AMD(Banking)
FullPowers
ManagingDirector
iv)GeneralManager
Addl.Managing
Director
v)DGM/RO/SMS/
Asstt.General
Manager/Sr.Law
Officer/Law
BranchInchargesin
Officer/System
Bank/Manager,
Analyst
PrimaryBankin
respectofallstaff
i)
IInallother ofPrimaryBank.
categoryof
Presidentof
services.
concernedPADBin
caseofManager
concernedPrimary
Bank/O.S.D.in
HeadOffice.
FullPowers
FullPowers
[CasualleaveofAGMs(inthe
field)willbesanctionedby
GeneralManager.]
FullPowers
2.
Sanctioning of
EarnedLeave
i)
ManagingDirector
RCSPunjab
ii)
Addl.ManagingDirector
(A&G)
do
iii)
(Banking)/GeneralManage
ManagingDirectorupto120days.
BoardofDirectorsexceeding120days.
Addl.ManagingDirector(upto120
iv)
DGM/RO/SMS/Asstt.
days.
GeneralManager/Sr.LawOfficer ManagingDirectorexceeding120days.
/LawOfficer.
OSD/DGM(Admn)upto90days.
AMDexceeding90days.
v)
Inallothercategoryof
services.
INCREMENT
3.
Normaldrawingof i)
increments.
AMD(Banking
)/GeneralManger
ii)
DGM/RO/
SMS/AGM/Sr.
LawOfficer/Law
Officer/
Officer/System
Analyst
iii)
PROFICIENCY
4.
Allowing
Proficiency
Stepup(s)
Inallother
categoriesof
services.
i)
AMD(Banking)/
GeneralManager
ii)
DGM/RO/SMS/
AGM/Sr.Law
Officer/LawOfficer/
Manager/Private
Secretary/Dy.
Manager/SeniorP.A./
ManagingDirector
Addl.Managing
Director
DGM(Admn)/OSD
AppointingAuthority
(BoardofDirectors)
Exceptwithholdingof
incrementwhich
powersvestin
AppointingAuthority.
ManagingDirector
FullPowers
FullPowers
SystemAnalyst
iii)
AM/PA/
Stenographer/Jr.
Assistant/ADO/Sr.
Clerk/Sr.Field
Officer/Clerk/Field
Officer/Stenotypist/
PBXOperatorandall
othercategoriesof
staffnotcovered
above.
FullPowers
AUTHORITIESFORWRITINGANNUALCHARACTERROLLSOFTHEBANKEMPLOYEES
Sr.
No
1.
2.
3.
4.
5
6
Categoryof
employeesofthe
Bankunderreport
Addl.Managing
Director(Banking)
GeneralManager
PO/SubjectMatter
Specialist
Dy.GeneralManager/
RegionalOfficer
SystemAnalyst
FirstReporting
Authority
SecondReporting
Authority
FinalReporting
authority
ManagingDirector
President/Administrator
Addl.Managing
Director
Addl.Managing
Director
Addl.Managing
Director
Addl.Managing
Director
Addl.Managing
Director
GeneralManager
ManagingDirector
ManagingDirector
ManagingDirector
ManagingDirector
ManagingDirector
Addl.Managing
Director
ManagingDirector
Addl.Managing
Director
Addl.ManagingDirector.
ManagingDirector
7.
Asstt.General
Manager
Sr.LawOfficer
8.
LawOfficer
9
10
(a)
Asstt.SystemAnalyst
Manager
(inSADB)
Addl.Managing
Director
SystemAnalyst
D.G.M./Branch
Incharge
(b
)
11(
a)
(
b)
12(
a
(b)
Manager(inPADBs)
President(PADB)
Asstt.GeneralManager
ManagingDirector
DeputyManager(in
SADB)
DeputyManager(in
PADBs)
Asstt.Manager
(inSADB)
Asstt.Manager
(inPADBs)
BranchIncharge/
D.G.M.
Manager,PADBs
Addl.Managing
Director.
ManagingDirector
Manager,PADB
Addl.Managing
Director
ManagingDirector
13.
PrivateSecretary
SeniorP.A.
Addl.Managing
Director
Addl.Managing
Director
ManagingDirector
14.
Officerwithwhom
attached
Officerwithwhom
attached
D.G.M.
Addl.Managing
Director
ManagingDirector
ManagingDirector
ManagingDirector
15.
SeniorScale
Stenographer/P.A.
JuniorScale
Stenographer
Officerwithwhom
attached.
Officerwithwhom
attached.
D.G.M./Regional
Officer
D.G.M./Regional
Officer
17.
Stenotypist
Programmer
DataEntryOperator
D.G.M./Regional
Officer
18.
Officerwithwhom
attached.
SystemAnalyst
SystemAnalyst
Clerks(inSADB)
BranchIncharge
Dy.GeneralManager
b)
Clerks(inPADB)
Manager
President
21
(a)
FieldOfficer
(inSADB)
FieldOfficer(in
PADB)
PBXOperator
Librarian
Driver(inSADB)
Dy.General
Manager
Manager
16.
19
.
20
(a)
(b)
22
23
24
(a)
(b)
25
.
26
a)
(b)
27
28
29
30
.
31
.
Asstt.GeneralManager Addl.ManagingDirector
BranchIncharge
BranchIncharge
Officerwithwhom
attached
Driver(infield)
Manager
Jamadar
BranchIncharge
President/
Administrator
Daftri(inSADB)
BranchIncharge
Daftri(infield)
Manager
Peon/Chowkidar
LiftOperator
Gunman
Electrician
Officerwithwhom
attached.
BranchIncharge
BranchIncharge
BranchIncharge
President/
Administrator
Sweeper
BranchIncharge
ManagingDirector
32
FinancialAnalyst
33
Asstt.Financial
Analyst
FacultyMember
ResearchAssistant
34
35
NewPosts
Addl.Managing
Director
FinancialAnalyst
BranchIncharge
BranchIncharge
Name, Address & Contact Number of Officers of SADB i.e. AGMs and above
S. Name of the Officer
No.
Shri./Smt.
1 Sh. G.S Mangat
Sdesignation
MD
Address
S.C.O 51-54,
17B, Bank
Square,
Chandigarh
Telephone Number
Office
Mobile
2727253,
5011701,
5011708(PS),
2705513(FAX)
9814108541
2 S. Gurdial Singh Buttar AMD(A)
-do-
5011704
9815113774
3 Yogesh Kalia
GM (Operation & Legal)
-do-
5011711
9872010270
4 J S Mann
GM (Finance)
-do-
5011716
9417446331
5 Kanwaljit Singh Rana
System Analyst
-do-
5011712
9465225257
6 Gurpinder Singh
DGM (Inspection)
-do-
5011707
9815315983
7 Jagdish Prakash
DGM (Admin.)
-do-
5011706
9888406810
8 Varinder Singh
DGM (NFS)
-do-
5011703
9872709436
9 Jagdeep Ghai
DGM
-do-
5011700
9815980283
10 Balbir Singh Gill
DGM (P&D)
-do-
5011703
9988306130
11 Preet Mohinder Singh
DGM (Acc.)
-do-
5011716
8729000742
12 Pawan Lata
AGM (Deposit)
-do-
5011748
9417167210
13 Roshan Lal
AGM (Inspection)
-do-
5011734
9915751978
Chapter 11 (Manual 10)
The Monthly Remuneration Received by Each of

its Officers and Employees, Including the System
of Compensation as Provided in Regulations
Details To be published subsequently
Chapter 12 (Manual 11 )
The Budget Allocated to each Agency
(Particulars of all plans, proposed expenditures
and reports on disbursement made)
Details will be published subsequently.
Chapter 13
The Manner of Execution of Subsidy Programmes
13.1 Please provide the information as per the following format:

Name of the Programme/Scheme : Capital Investment Subsidy Scheme for
Construction/Renovation/Expansion of Rural Godowns
Duration of the programme/scheme : 12.04.2002 t1.03.2012ow the

scheme has been implemented for the Financial Year 2009-10 also.
Objective of the programme: To provide the farming Community with facilities for
Scientific storage of Agricultural Produce so that wastage & deterioration of
produce are avoide the farmers maell their produce at a time when the prices
are high
Physical and Financial targets of the programme (for the 2009-10): 890 lakhs
Eligibility of Beneficiary: Any beneficiary having land required as per the Rural
godown to be constructed at a place other than the Municipal Corporation Limits.
Pre-requisites for the benefit: The beneficiary should avail loan from Bank and
shoulonstruct the Rural Godown accordance with the specifications laid down
by GoI under the scheme
Procedure to avail the benefits of the programme: The claims of Advance

Subsidy under the scheme shall be submitted to NABARD/DMI after the
sanction of loan. Joint Inspection Committee consisting of officers from
NABARD/DMI /Bank shall inspect the Rural Godown and on their
recommendations the Bank will send final subsidy claims alongwith the
required documents to NABARD for its release.
Criteria for deciding eligibility: The Beneficiary should own required land
as per capacity of the Godown and should arrange 25% Margin Money for
availing loan from the Bank.
Detail of the benefits given in the programme. (Also mention the amount of
subsidy or other help given): Subsidy @ 25% of the total project outlay is
provided and 50% of the advance subsidy is released by NABARD on the
issue of Loan Sanction Order by the Primary Bank and the remaining 50%
final subsidy shall be released by NABARD on recommendations of the
Joint Inspection Committee.
Procedure for the distribution of the subsidy: First come first served basis
Where to apply or whom to contact in the office for applying: To the

Manager of the Primary Bank
Application Fee (where applicable):-For claim of subsidy there is no fee

charged by the Bank
Other Fees (where applicable):-
Application format (where applicable. If the application is made on plain

paper please mention it along with what the applicant should mention in
the application): As prescribed by GoI
List of Attachments (certificates/documents): Annexure I, Project Profile

cum claim form, Loan Sanction Order, Layout plan/approved Map, Project
Report for claim of advance subsidy (4 sets) For claim of final subsidy(4
sets), Annexure II: Claim form Project Profile, Completion Certificate,
Breakup details of itemwise expenditure incurred, Actual total expenditure
incurred by the promoter, copy of layout plan duly approved, visit report of
Branch Manager (Utilization certificate), Joint Inspection Report ,
Format of Attachments: As enclosed
Where to contact in case of process related complaints: Concerned

Primary Agricultural Development Bank
Details of the available fund (At various levels like District Level, Block
Level etc.) Funds are made available to the Primary Agricultural
Development Bank as per requirement
List of beneficiaries/Nos in the format given below:-
Code/ Name Benefici Amount

of the
ary
of
Scheme
Name/
Subsidy
No.s
(Advance
subsidy
received)
(Rs. in
Parent/G
uardian
1094.769
Address
Distric City
lacs)
Capital
2506
Investment
Subsidy
Scheme for
Construction/
Renovation/E
xpansion of
Rural
Godowns
Criteria
of
Selectio
n
Town/
Hou
Villag se
e
No.
Owning All
All cities
All
Land as distts. except 5 Towns
required of
Municipal /Villag
in view Punjab Corporatio es of
of the
State ns namely- the
capacity
Amritsar, State
of
Jalandhar ,
godown
Ludhiana.
Patiala &
Bathinda
Name of the Programme/Scheme : Scheme for Development / Strengthening

of Agricultural Marketing Infrastructure, Grading and Standardization .
Duration of the programme/scheme : 25.08.2005 t1.03.2010ow the

o Objective of the programme: To provide additional Agricultural
marketing infrastructure.
o
Physical and Financial targets of the programme (for the 2009-10):
Target yet to be allotted.
Eligibility of Beneficiary: Any beneficiary having Agricultural land or who

can arrange for Agricultural Land as security .
Pre-requisites for the benefit: The beneficiary have to avail at least 50% of
TFO as Term loan.
Subsidy under the scheme shall be submitted to NABARD/DMI after the sanction
of loan. Joint Inspection Committee consisting of officers from NABARD/DMI
/Bank shall inspect the asset ann their recommendations the Banill send final
subsidy claims alongwith the required documents to NABARD for its release.
Criteria for deciding eligibility: The Beneficiary should arrange 25% Margin
Money for availing loan from the Bank.

charged by the Bank

List of Attachments (certificates/documents): Annexure I, Project Profile cum

claim formoaanction Order for claim of advance subsidy (etsor claim of
final subsidy(4 sets), Annexure II: Claim form Project Profile, Completion
Certificate, visit report of Branch Manager (Utilization certificate), Joint
Inspection Report ,


of the
ary
of
Scheme
Name/
No.s
Scheme for 122

Development
/
Strengthening
of
Agricultural
Marketing
Infrastructure
, Grading and
Standardizati
on .
Parent/G
uardian
Subsidy
(Advance
subsidy
received)
(Rs. In
lacs)
106.62
Criteria
of
Address
Selectio
n
Distric City
t
-
As given All
All cities
above
distts.
of
Punjab
State
Town/
Villag
e
All
Towns
/Villag
es of
the
State
Hou
se
No.
-
Name of the Programme/Scheme: Capital Investment Subsidy Scheme for

commercial production Unit of organic inputs under National Project on
Organic Farming .
Duration the Programme/Scheme: 25.08.2001.03.2010ow the scheme
has been implemented for the Financial Year 2009-10 also.
o Objective of the Programme/Scheme: To promote Organic Farming

in the Country by making available the Organic Inputs such as
biofertilizer, Vermicompost and Fruit & Vegetable waste compost.
o
Physical and Financial targets of the Programme/Scheme (for the
2009-10): Target 628 lakhs.

TFO as Term loan.
Subsidy under the scheme shall be submitted to NABARD/DMI after the sanction
of loan. Joint Inspection Committee consisting of officers from NABARD/DMI
/Bank shall inspect the asset ann their recommendations the Banill send final
subsidy claims alongwith the required documents to NABARD for its release.



charged by the Bank

List of Attachments (certificates/documents): Annexure I, Project Profile cum

claim formoaanction Order for claim of advance subsidy (etsor claim of
final subsidy(4 sets), Annexure II: Claim form Project Profile, Completion
Certificate, visit report of Branch Manager (Utilization certificate), Joint
Inspection Report ,


of the
ary
of
Scheme
Capital
Investment
subsidy
Name/
No.s
31
Parent/G
uardian
Subsidy
(Advance
subsidy
received)
(Rs. In
lacs)
22.431
Criteria
of
Address
Selectio
n
Distric City
t
-
As given All
above
distts.
of
7
All cities
Town/
Villag
e
All
Towns
/Villag
Hou
se
No.
-
Scheme
for
commercial
production
Unit
of
organic
inputs under
National
Project
on
Organic
Farming .
Punjab
State
es of
the
State
Name of the Programme/Scheme: Central Sector Plan Scheme for Dairy /

Poultry Venture Capital Fund.
Duration of the Programme/Scheme : 25.08.2005 to 31.03.2010. Now the

o Objective of the Programme/Scheme: To promote activities relating
to Dairy/ Poultry.
o
Physical and Financial targets of the Programme/Scheme (for the
2009-10): Target 201 lakhs.

TFO as Term loan.

Subsidy under the scheme shall be submitted to NABARD who will first
approve the case and then the case would be sanctioned.
subsidyher help given): 50% ohe Total outlaoule interest free loan
portion.

charged by the Bank
List of Attachments (certificates/documents): Annexure II and Project Profile

Development Bank as per requirement.

of the
ary
of
Scheme
Name/
Subsidy
No.s
(Advance
subsidy
received)
(Rs. In
lacs)
Parent/G
uardian
Central
2
Sector Plan
Scheme for
Dairy
/
Poultry
Venture
Capital Fund.
10
10.40
Criteria
of
Selectio
n
Address
Distric City
t
As given All
All cities
above
distts.
of
Punjab
State
Town/
Villag
e
All
Towns
/Villag
es of
the
State
Hou
se
No.
-
Chapter 14 (MANUAL 13)

Particulars of Recipients of Concessions,
Permits or Authorization granted by it.
The Information sought in this Chapter is not related to this Bank
Norms set by it for the discharge of its functions
15.1
Please provide the details of the Norms / Standards set by the

department for execution of various activities / programmes.
1)
It is ensured that loans are advanced on the principle of first come

first served.
2)
Every Loan Application in the PADBs is disposed off within 15 days & the
loan application of Women beneficiaries is disposed off within 7 days.
3)
Bank has simplified the procedure according to which the farmers

are now at liberty to purchase agricultural machinery / implements
from the firms of their own choice. The system of obtaining non
encumbrance certificate has also been abolished.
4)
The Bank has also now decided to make payments of loan amount
upto Rs. 1.00 lacs in Farm-Sector and upto Rs. 2.0 lacs in
Non-Farm Sector directly to the borrowers.
5)
The loan to the extent of 80% of the price of agricultural land fixed
by the Deputy Commissioner / Collector is being disbursed.
6)
Bank has created a Good pay Masters Rebate Fund for providing
Rebate of 0.50% on loan to good pay masters of PADBs. This is
made applicable w.e.f 1/04/2005.
7)
The amount of additional shares of the borrowers are adjusted in

the last instalment of repayment of loan by the borrowers so as to
ensure prompt payment of share money to the member borrowers.
8)
The Women applicants would be given half percent(1/2 %) Interest

rebate and no Loan fee would be charged .

Information available in an electronic form
1.1
Please provide the details of the information related to the various

schemes which are available in the electronic format.
This
Bank
is
having
its
own
website
with
the
following
URL:
http://www.agribankpunjab.org The details of the information of the following

schemes implemented by the Bank are available on this webpage:
Installati Twells.
Soil Cervati
Reclamation Alkaline Land
Ptry Develent
Farm Forestry(Par Plantati
Installati Bio-gas Plants.
Beeeping
Mushr Cultivati
Purchase Threshers
Redemption Mortgaged La
Ctructi Cattle Sheds/
Non Farm Sector
Purchase Second-hand Tractor
Purchaservester combines
Purchase Tractors
Horticulture and Grapes Cultivati
Dairevelent
Animal Drivearts
Inland Fishery Farms.
Establishment Broiler
Sheep Rearing
Calf Rearing
Purchase Agrimplements.
.Purchase Land
Sand Scraping etc. Small Godowns
Floriculture
Rearing Rats
Rural Godowns

Particulars of the facilities available to
citizens for obtaining information
17.1.
Means, methods or facilitation available to the public which are

adopted by the department for dissemination of information
The Bank has many ways of dissemination of information of its

various schemes by:
i)
Office Library
ii)
Through News paper
iii)
Exhibitioncumdisplay boards
iv)
Notice Board
v)
System of issuing of copies of documents
vi)
Printed Manual
vii)
Through Website
Other Useful Information
1.
Frequently asked Questions by the Public and their Answers
1.
What is the procedure for taking Loan from the Bank ?

a)
b)
c)
2.
For taking Loan a person has to become an A Class Member of the

Primary Bank by purchasing atleast 5 shares of Rs. 100/- each.
The Bank advances loan for all the Agricultural activities, activities allied
to agriculture and Non farm sector activities.
For taking loan a person has to produce copy of Fard Jamabandi of the
Land to be offered for security.
What are the various Deposit Schemes available with the Bank ?
The Bank accepts Fixed Term Deposits and Recurring Deposits
3.
What are the Interest Rates of the Deposits ?
S.NO DESCRIPTION
1
I YEAR AND ABOVE BUT LESS THAN TWO
YEARS
2
2 YEARS AND ABOVE BUT LESS THAN 3
YEARS
3
3 YEARS AND ABOVE
INTEREST RATE
9.25%
9.00%
8.75%
2.
Application Form to obtain information under the Right to Information Act

2005
1.
Name of the Applicant
_____________________________
2.
Address
_____________________________
3.
Subject / Topic on which

information is required
_____________________________
4.
5.
Whether a Copy of the

document is required
if so, Name of the Document
_____________________________
Particulars of Fees
_____________________________
Signature of the Applicant

The Assistant Public Information Officer,
SCO 53-54, Sector 17B, Chandigarh.
Right of the Citizen in case of denial of information and procedure to Appeal under
the Right to Information Act, 2005
Any person who does not receive a decision within 30 days of the receipt of the request
or is aggrieved by a decision of the Public Information Officer, as the case may be, may
within 30 days from the expiry of such period or from the receipt of such a decision
prefer an appeal to the Appellate Authority i.e. the Additional Managing Director
(A&G) of the Bank.
A second Appeal against the decision of first appellate authority shall be within 90 days
from the date on which the decision should have been made or was actually received,
with the State Information Commission.

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CHAPTER 1

1. Please throw the light on the background of this handbook (Right to

1.2 Objective/Purpose of this hand-book :

1.3 Who are intended users of this hand-book? :

1.4 Organisation of the information in this hand-book

1.5 Definitions (Please provide definitions of various terms used in the

means The Right to Information Act 2005

means the Managing Director of the Punjab State

1.6 Contact person in case somebody wants to get more information on

2.1 Objective/Purpose of the Public Authority.

2.2 Mission/Vision Statement of the Public Authority.

To emerge as resource based, strong and vibrant financial institution

The Punjab State Cooperative Agricultural Development Bank was

improvement of land and the methods of cultivation. At the initial stage,

2.5 Main Activities and Functions of the Public Authority.

Purchase of agricultural implements

New ventures :Floriculture

Educational loans for higher education

Commercial Production units of

Mechanism available for monitoring the service delivery and public

Addresses of the main office and other offices at different levels.(Please

THE PHILLOUR PRIMARY COOP. AGRI. DEV. BANK LTD.,

Garden Road, Jalandhar

G.N. Plaza Market, Dana

13 THE MUKERIAN PRIMARY COOP. AGRI. DEV. BANK LTD.,

Opposite Civil Rest House,

Near Canara Bank, The Mall

Near Vir Singh, M.L.A. Kothi

Road, Taran Taran

34 THE FAZILKA PRIMARY COOP. AGRI. DEV. BANK LTD.,

Near Truck Union, Hanuman

37 THE ZIRA PRIMARY COOP. AGRI. DEV. BANK LTD., ZIRA

Near Hari Singh Market,

38 THE MUKTSAR PRIMARY COOP. AGRI. DEV. BANK LTD.,

Near Govt. College,

39 THE GIDDERBAHA PRIMARY COOP. AGRI. DEV. BANK

National Highway No. 10,

41 THE MALOUT PRIMARY COOP. AGRI. DEV. BANK LTD.,

Opposite Jaswant Cinema,

54 THE NIHAL SINGH WALA PRIMARY COOP. AGRI. DEV.

56 THE PATIALA PRIMARY COOP. AGRI. DEV. BANK LTD.,

Paramjit Singh Market,

62 THE PATRAN PRIMARY COOP. AGRI. DEV. BANK LTD.,

Mohinder Garg, Near

63 THE SAMANA PRIMARY COOP. AGRI. DEV. BANK LTD.,

Near John Hospital,

64 THE FATEHGARH SAHIB PRIMARY COOP. AGRI. DEV.

Railway Road, Sirhind

61 THE RAJPURA PRIMARY COOP. AGRI. DEV. BANK LTD.,

Amloh Khanna h Road,

66 THE BASSI-PATHANA PRIMARY COOP. AGRI. DEV. BANK

Market Committee Building,

69 THE BARNALA PRIMARY COOP. AGRI. DEV. BANK LTD.,

Opposite P.S.E.B. Office,

72 THE LEHRAGAGA PRIMARY COOP. AGRI. DEV. BANK

Near Jakhal Railway Station

73 THE MALERKOTLA PRIMARY COOP. AGRI. DEV. BANK

Opposite Markfed Office,

Near SDM Office, Anaj

Near Telephone Exchange,

Near Tehsil Road, Dhuri.

THE SUNAM PRIMARY COOP. AGRI. DEV. BANK LTD.,