Souharda Coop Banks Model by Law

............................................. ¸ËºÀzÀð ¸ÀºÀPÁgÀ ¨ÁåAPï ¤., ...................................................
EzÀgÀ
G¥À«¢üUÀ¼ÀÄ
…………………..Bye Laws of ………………….. souharda cooperative Bank Ltd.

1. ¨ÁåAQ£À ºÉ¸g À ÀÄ:
F ¨ÁåAQ£À
ºÉ¸ÀgÀÄ..............................................................................................................................................................
............................. ¸ÀºÀPÁgÀ ¨ÁåAPï ¤AiÀÄ«ÄvÀ JAzÀÄ EgÀvÀPÌÀ zÀÄÝ.
1. NAME OF THE BANK:
The Name of the bank shall be
...........................................................................................................
2. £ÉÆÃAzÁ¬ÄvÀ PÀbÉÃj:
¨ÁåAQ£À £ÉÆÃAzÁ¬ÄvÀ PÀbÉÃjAiÀÄ «¼Á¸ÀªÅÀ
.................................................................................................................
...............................................(PÀ£ÁðlPÀ gÁdå) JAzÀÄ EgÀvÀPÌÀ zÀÄÝ. F «¼Á¸Àz° À è AiÀiÁªÀ ÅzÉÃ
§zÀ¯ÁªÀuÉAiÀiÁzÀgÀÆ §zÀ¯ÁªÀuÉAiÀiÁzÀ ªÀÄÄªÀvÀÄÛ ¢ªÀ¸ÀUÀ¼ÉÆ¼ÀUÁV ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQUÉ ªÀÄvÀÄÛ
¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À jf¸ÁÖçgÀ¤UÉ w½¸ÀÄªÀÅzÀ®èzÉ AiÀiÁªÀÅzÁzÀgÀÆ MAzÀÄ ¸ÀÜ½ÃAiÀÄ ¥ÀwæPA É iÀÄ°è PÀÆqÀ¯ÉÃ
§zÀ¯ÁªÀuÉAiÀÄ §UÉÎ ¥ÀæPn À ¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ ¨ÁåAQ£À ¸ÀÆZÀ£Á ¥sÀ®PÀz° À è ¥ÀæzÀ²ð¸ÀvPÀ ÀÌzÀÄÝ.
2. REGISTERED OFFICE :
The address of the Registered Office of the Bank Shall
be................................................................. ....................(Karnataka State). Any change
in the above address shall be intimated to the Reserve Bank of India and the Registrar of
Co-operative Societies within thirty days from the date of occurrence of such a change.
Such a change of address shall also be immediately published in a local newspaper and
displayed on the banks's notice board.
3. ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ ªÁå¦Û :
¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ ªÁå¦ÛAiÀÄÄ .................................................................................. ¥ÀæzÉÃ ±ÀPÌÉ
¹Ã«ÄvÀªÁVgÀvÀPÌÀ zÀÄÝ. F §UÉÎ AiÀiÁªÀÅzÉÃ §zÀ¯ÁªÀuÉAiÀiÁUÀ¨ÉÃPÁzÀ°è, ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ
(f¯ÁèªÁå¦ÛAiÉÆ¼ÀV£À PÁAiÀÄðPÉëÃvÀæ «¸ÀÛgÀuÉ ºÉÆgÀvÀÄ¥Àr¹) DVAzÁUÉÎ ¤ÃqÀÄªÀ ¸ÀÆZÀ£U É ¼
À À C£ÀéAiÀÄ
j¸Àªïð ¨ÁåAQ£À ¥ÀÆªÀð¨sÁ« ªÀÄAdÆgÁwAiÀÄÄ CªÀ±åÀ PÀ.
3. The area of operation of the bank shall be confined to....................... for any revision
in this regard, prior approval of the Reserve Bank of India (except for extension of area
of operation within the district of registration) shall be necessary, as per the instructions
issued from time to time.
4. ±À¨ÁÝxÀðUÀ¼ÀÄ - ¥Àj¨sÁµÉUÀ¼ÀÄ :
F G¥À «¢üUÀ¼À°è §¼À¹gÀÄªÀ ¥ÀzÀUÀ¼ÀÄ ªÀÄvÀÄÛ ¥ÀzÀ «£Áå¸ÀUÀ¼ÀÄ ¸ÀAzÀ¨sÀðPÀÌ£ÀÄ¸ÁgÀªÁV ¨ÉÃgÉ CxÀð ¤ÃqÀ¢zÀÝ°è
E°è£À ±À¨ÁÝxÀðUÀ¼ÀÄ PÀ£ÁðlPÀ ¸ËºÁzÀð PÁ¬ÄzÉ 1997 ªÀÄvÀÄÛ ¸ËºÁzÀð ¸ÀºÀPÁj ¤AiÀÄªÀÄUÀ¼À°è£À ±À¨ÁÞxÀðUÀ¼À£ÀÄß
1
CxÀªÁ DVAzÁUÉÎ PÁ¬ÄzÉ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ¼À°è vÀgÀ¯ÁUÀÄªÀ ªÀiÁ¥ÁðqÀÄUÀ¼À£ÀÄß M¼ÀUÉÆArgÀvÀPÀÌzÀÄÝ.
F GzÉÝÃ±ÀPÁÌV ±À¨ÁÝxÀðUÀ¼ÀÄ CxÀªÁ ¥Àj¨ÁµÉUÀ¼À£ÀÄß C£ÀÄ§AzsÀUÀ¼À°è ¤ÃqÀ¯ÁVzÉ.
 PÁ¬ÄzÉAiÀÄ PÀ®A 2gÀ°è£À ¥Àj¨sÁµÉUÀ¼ÀÄ-C£ÀÄ§AzsÀ 1

 ¤AiÀÄªÀÄUÀ¼À°è 2£ÉÃ ¤AiÀÄªÀÄzÀ°è ¤ÃrgÀÄªÀ ¥Àj¨sÁµÉUÀ¼ÀÄ C£ÀÄ§AzsÀ-2
F G¥À¤AiÀÄªÀÄUÀ¼À°è §¼À¸À¯ÁVgÀÄªÀ EvÀgÀ ¥ÀzÀUÀ¼À CxÀðUÀ¼ÀÄ F jÃw EgÀÄvÀÛªÉ:
 oÉÃªÀtÂzÁgÀ JAzÀgÉ ZÁ°Û oÉÃªÀtÂ G½vÁAiÀÄ oÉÃªÀtÂ ¤²ÑvÀ oÉÃªÀtÂ ¦Vä oÉÃªÀtÂ (E)
DªÀvÀð£À oÉÃªÀtÂ (gÉPÀjAUï r¥Áfmï) ¨sÀ«µÀå ¤¢ü oÉÃªÀtÂ ¤¢ü ¹éÃPÀgÀuÁ ¥ÀvÀæUÀ¼ÀÄ (PÁå±ï
¸Ànð¦üPÃÉ mï) ªÀÄvÀÄÛ ªÀÄAqÀ°AiÀÄÄ PÁ®PÁ®PÉÌ ¤zsÀðj¸ÀÄªÀ EvÀgÉ oÉÃªÀtÂ AiÉÆÃd£ÉU¼
À À°è ºÀt
vÉÆqÀV¹gÀÄªÀ ªÀåQÛ
 ¸Á®UÁgÀ(¸Á® ¥ÀqÉzÁvÀ) JAzÀgÉ ««zsÀ ¸Á® AiÉÆÃd£ÉUÀ¼À°è ¨ÁåAPï «¢ü¹gÀÄªÀ µÀgÀvÀÄÛUÀ¼À£ÀÄß
M¦àPÉÆAqÀÄ ¸Á®zÀ gÀÆ¥ÀzÀ°è ºÀt ¥ÀqÉ¢gÀÄªÀ ªÀåQÛ/¸ÀzÀ¸Àå
 eÁ«ÄÃ£ÀÄzÁgÀ JAzÀgÉ ¸Á®UÁgÀ£À eÉÆvÉAiÀÄ°è ¸ÀºÀ ¸Á®UÁgÀ£ÁV ¸Á®UÁgÀ£À J®è dªÁ¨ÁÝjUÀ¼À£ÀÆß
ºÉÆvÀÄÛ ¸Á®¥ÀvÀæUÀ½UÉ ªÀÄvÀÄÛ EvÀgÀ zÁR¯ÉUÀ¼À°è ¸À» ªÀiÁrgÀÄªÀ ªÀåQÛ/¸ÀzÀ¸Àå
 CºÀð ¸ÀzÀ¸Àå JAzÀgÉ ¸ÀÄ¹ÛzÁgÀ£ÁV®èzÀ, ¨ÁåAPï UÉ ¥ÁªÀw ªÀiÁqÀ¨ÉÃPÁzÀ AiÀiÁªÀÅzÉÃ ªÉÆvÀÛUÀ¼À£ÀÄß ¨ÁQ
G½¹PÉÆAr®èzÀ, ¨ÁåAPï ¤UÀ¢ ¥Àr¹gÀÄªÀ PÀ¤µÀÖ ¸ÀASÉåAiÀÄ µÉÃgÀÄUÀ¼À£ÀÄß ºÉÆA¢gÀÄªÀ, ¨ÁåAPï
¤UÀ¢¹gÀÄªÀ PÀ¤µÀÖªÀÄlÖzÀ ªÀåªÀºÁgÀUÀ¼À£ÀÄß £ÀqÉ¹gÀÄªÀ, PÀ¼ÉzÀ LzÀÄ ªÀµÀðUÀ¼À°è ªÀÄÆgÀÄ ¸ÁªÀiÁ£Àå
¸À¨sÉUÀ¼À°è ºÁdgÁVgÀÄªÀ, ¨ÁåAPï £À ¸ÀzÀ¸Àå£ÁV MAzÀÄ ªÀµÀð(365 ¢£ÀUÀ¼ÀÄ) QÌAvÀ ºÉZÀÄÑ
CªÀ¢üAiÀiÁVgÀÄªÀ ºÁUÀÆ AiÀiÁªÀÅzÉÃ Qæ«Ä£À¯ï ªÉÆPÀzÀÝªÉÄäUÀ¼À°è ²PÉëUÉUÀÄjAiÀiÁV®èzÀ ¸ÀzÀ¸Àå.
 £ÀqÁªÀ½ ¥ÀÅ¸ÀÛPÀ JAzÀgÉ DqÀ½vÀ ªÀÄAqÀ½ ¸À¨sÉ, ¸ÁªÀiÁ£Àå ¸À¨sÉ, G¥À¸À«ÄwUÀ¼À ¸À¨sÉUÀ¼À°è£À ¤tðAiÀÄUÀ¼À£ÀÄß
AiÀÄxÁªÀvÁÛV zÁR°¹gÀÄªÀ/§gÉ¢gÀÄªÀ ªÀÄvÀÄÛ CzsÀåPÀëgÀÄ ºÁUÀÆ ªÀÄÄRå PÁAiÀÄð ¤ªÀðºÀuÁ¢üPÁjAiÀÄªÀgÀÄ
¸À» ªÀiÁrgÀÄªÀ ¥ÀævÉåÃPÀ ¥ÀÅ¸ÀÛPÀ.
 ¹§âA¢ ªÉZÀÑ JAzÀgÉ ¨ÁåAQ£À ¹§âA¢AiÀÄªÀjUÉ ¤ÃqÀÄªÀ ªÀiÁ¹PÀ ªÉÃvÀ£À, ¨ÉÆÃ£À¸ï, ¨sv À ÉåUÀ¼ÀÄ, ¨sÀ«µÀå
¤¢ü, UÁæZÀÄ¬Än, ¥ÉÇæÃvÁìºÀ zsÀ£À, ¤µÉÖAiÀÄ ¥ÉÇævÁìºÀ zsÀ£À, gÀeÉ ªÉÃvÀ£À, ªÀAwUÉU¼À ÀÄ ªÁºÀ£À ªÀÄvÀÄÛ
EvÀgÀ J¯Áè ¸Ë®¨sÀåU¼À À ªÀiË®åªÀÇ ¸ÉÃjzÀAvÉ ¹§âA¢UÀ½UÁV ªÀiÁqÀ¯ÁzÀ J¯Áè ªÉZU ÀÑ ¼
À ÀÄ CxÀªÁ
¨ÁåAPï ¨sÀj¹gÀÄªÀ ¹§âA¢UÀ½UÁV ªÀiÁqÀ¯ÁzÀ J¯ÁèvÀgº À ÀzÀ ªÉZÑÀUÀ¼À ªÉÆvÀÛ.
 zÀÄrAiÀÄÄªÀ §AqÀªÁ¼À JAzÀgÉ JAzÀgÉ, PÀlÖqÀUÀ¼À°è ªÀÄvÀÄÛ EvÀgÉ ¹ÜgÀ ¸ÀévÀÄÛUÀ¼À°è vÉÆqÀV¹gÀÄªÀ
¤¢üUÀ¼À£ÄÀ ß ºÉÆgÀvÄÀ ¥Àr¹, MlÄÖ ¥ÁªÀwAiÀiÁzÀ µÉÃgÀÄ §AqÀªÁ¼À, PÁ¬ÄÝlÖ ¤¢ü, EvÀgÉ ¤¢üU¼ À ÀÄ,
oÉÃªÀtÂUÀ¼ÀÄ, ¥ÀqÉzÀ ¸Á®UÀ¼ÀÄ ªÀÄvÀÄÛ «vÀgu
À ÉAiÀiÁUÀzÀ ¯Á¨sÀUÀ¼ÀÄ.
 DqÀ½vÀ ªÀÄAqÀ° ªÉZÀÑ JAzÀgÉ ¤zÉðÃ±ÀPÀgÀÄ, PÁAiÀiÁð£ÀÄUÀÄt ¤zÉðÃ±ÀPÀgÀÄ,( Functional directors)
2
ªÀÄvÀÄÛ ¥ÀzÁ¢üPÁjUÀ½UÉ ¤ÃqÀÄªÀ ¸À¨sÁ ¨sÀvÉå, ¥ÀæªÁ¸À ¨sÀvÉå,¸ÀA¨sÁªÀ£É EvÀgÀ ¸Ë®¨sÀåUÀ¼ÀÆ ¸ÉÃjzÀAvÉ J¯Áè
ªÉZÀÑUÀ¼ÀÄ
4. INTERPRETATION OF WORDS :
Unless the context otherwise requires, the words and expressions contained in these bye-
laws shall bear the same meaning as in the Karnataka Souharda sahakaari Act 1997 and
Karnataka Souharda sahakaari Rules, 2000 or in any statutory modifications thereof in
force from time to time or in the rules made thereunder.
For this purpose the interpretation of words are provided in the Annexures:
 Annexure I contains words and interpretations as given in Section 2 of the
Karnataka Souharda sahakaari Act 1997
 Annexure II contains words and interpretations as given in Section 2 of the
Karnataka Souharda sahakaari Rules 2013
In addition the interpretations of the words which are commonly used in the business
activities of the Bank are as under
Borrower means a member who has borrowed loan amounts under the various schemes
of the Bank by consenting to comply with the terms and conditions imposed by the
Bank.
Depositor means a person who has deposited money in to current account, savings Bank
Account, various types of fixed deposits, cash certificates and other deposit schemes
offered by the Bank from time to time by consenting to comply with the terms and
conditions of the Bank
Surety/ Guarantor/coborrower means a member who has joined the borrower as a co-
borrower and having consented to comply with the terms and conditions of the Bank and
signing in the loan documents and other documents undertaking to honor all the
commitments of the borrower.
Eligible Member means a member who is :
a. Not a defaulter as a borrower
b. Does not owe any amount to the Bank which he is obligated to make the payment
c. is holding the minimum number of shares as prescribed by the Bank
d. has complied with the requirement of conducting the minimum business with the
Bank
e. has attended three out of five annual General Body Meetings in the past five years
f. has not been found guilty by any court of law in any criminal case
g. should have become member for not less than one year(i.e. 365 days)
Establishment expenditure means all expenses on salary, dearness and other

allowances, travelling expenses; leave salary, gratuity, provident fund contributions,
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value of all perquisites provided to the employees and such other related expenses of all
the employees of the bank.
Working capital means total of paid up share capital, reserve fund, other funds,
deposits, borrowings and un appropriated profits of the bank excluding the funds
invested in the buildings and other fixed assets;
5. ¨ÁåAQ£À zsÉåÃAiÀÄ ªÀÄvÀÄÛ GzÉÝÃ±ÀUÀ¼ÀÄ F PÉ¼ÀPÀAqÀAvÉ EgÀvPÀ ÀÌzÀÄÝ :
1. ¨ÁåAQ£À ¸Àz¸ À ÀågÀÄ ªÀÄvÀÄÛ ¨ÁåAQ£À oÉÃªÀtÂzÁgÀg° À è «ÄvÀªåÀ AiÀÄ, ¸Àé¸ÀºÁAiÀÄ ªÀÄvÀÄÛ ¸ÀºPÀ ÁgÀ
¨sÁªÀ£U É ¼
À À£ÄÀ ß ¥ÉÆæÃvÁì»¸ÀÄªÀÅzÀÄ.
2. 1949gÀ ¨ÁåAQAUï ¤AiÀÄAvÀæt PÁAiÉÄÝ (¸ÀºPÀ ÁgÀ ¸ÀAWÀU½ À UÉ C£ÀéAiÀÄªÁUÀÄªÀ) AiÀÄ°è
«ªÀj¹gÀÄªÀAvÉ, ¨ÁåAQAUï ªÀåªÀºÁgÀU¼ À À£ÄÀ ß PÉÊUÉÆ¼ÀÄîªÀÅzÀÄ
3. ºÀtªÀ£ÄÀ ß ¸ÀAUÀæ»¸ÀÄªÀÅzÀÄ CxÀªÁ ¸Á®ªÁV ¥ÀqA É iÀÄÄªÀÅzÀÄ.
4. ¸Àz¸ À ÀågÀ ªÀÄvÀÄÛ ¸ÀªiÀ ÁdzÀ°è£À DyðPÀªÁV »AzÀÄ½zÀ ºÁUÀÆ zÀÄ§ð® ªÀUÀðUÀ¼À DyðPÀ ¥Àj¹Üw
¸ÀÄzsÁj¸À®Ä AiÉÆÃd£ÉU¼ À À£ÀÄß vÀAiÀiÁj¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ ªÉÆÃmÁgÀÄ ªÁºÀ£ÀUÀ¼À£ÀÄß PÉÆ¼Àî®Ä CxÀªÁ
AiÀÄAvÉÆæÃ¥ÀPÀgÀtUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ EvÀgÉ AiÀÄAvÀæUÀ¼À£ÀÄß PÉÆ¼Àî®Ä, ¸ÀéAvÀ GzÀåªÀÄ / GzÉÆåÃUÀ
¸ÁÜ¦¸À®Ä ¸Àz¸ À ÀåjUÉ ¸Á® MzÀV¸ÀÄªÀÅzÀÄ..
5. ¨ÁåAQ£À ªÀåªÀºÁgÀU¼ À À CªÀ±åÀ PÀvÉUÁV ªÀÄvÀÄÛ C£ÀÄPÀÆ®PÁÌV ¤ªÉÃ±À£,À PÀlÖqÀU¼ À À£ÄÀ ß ºÉÆAzÀÄªÀÅzÀÄ,
¸Áé¢üÃ£À ¥Àr¹PÉÆ¼ÀÄîªÀÅzÀÄ, PÀlÖqÀ ¤«Äð¸ÀÄªÀÅzÀÄ, §zÀ¯ÁªÀuÉ ªÀiÁqÀÄªÀÅzÀÄ ªÀÄvÀÄÛ EvÀgÀ
PÁAiÀÄðUÀ¼À£ÄÀ ß PÉÊUÉÆ¼ÀÄîªÀÅzÀÄ.
6. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï£À ¥ÀÆªÁð£ÀÄªÀÄw ¥Àqz É ÀÄ ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ°è ±ÁSÉUÀ¼À£ÄÀ ß,
G¥À±ÁSÉUÀ¼À£ÄÀ ß, ¥ÁªÀw PÀbÉÃj CxÀªÁ AiÀiÁªÀÅzÉÃ ºÉ¸Àj¤AzÀ PÀgÉAiÀÄ®àqÀ§ºÀÄzÁzÀ PÀbÉÃj
ªÀÄÄAvÁzÀªÅÀ UÀ¼À£ÄÀ ß vÉgA É iÀÄÄªÀÅzÀÄ.
7. ªÉÆ¨ÉÊ¯ï zÀÆgÀªÁtÂ, eÁ®vÁtUÀ¼ÀÄ, ªÁºÀ£ÀUÀ¼ÀÄ, AiÀiÁªÀÅzÉÃ ºÉ¸Àj¤AzÀ PÀgÉAiÀÄ¯ÁUÀÄªÀ
KeÉAmï UÀ¼ÀÄ, ºÉÆgÀUÄÀ wÛUÉzÁgÀgÄÀ , EªÀÅUÀ¼À ªÀÄÆ®PÀ UÁæºÀPÀ ¸ÉÃªÉAiÀÄ£ÀÄß ¤ÃqÀÄªÀÅzÀÄ.
8. ¥Àª æ ÀÄÄR «ªÉÄ PÀA¥É¤UÀ¼À «ªÉÄUÀ¼À£ÄÀ ß ªÀiÁgÁl ªÀiÁqÀÄªÀÅzÀÄ.
9. ¥Àª æ ÀÄÄR ºÀtPÁ¸ÀÄ ¸ÀA¸ÉÜUÀ¼À «wÛÃAiÀÄ ¸ÉÃªÉU¼ À À£ÄÀ ß ªÀiÁgÁl ªÀiÁqÀÄªÀÅzÀÄ.
10. PÉr
æ mï/qÉ©mï PÁqïð UÀ¼À£ÄÀ ß «vÀj¸ÀÄªÀÅzÀÄ.
11. UÁæºÀPg À À ¥ÀgÀªÁV J¯Áè «zsª À ÁzÀ ªÀÄÄZÀ½ Ñ PÉU¼ À ÀÄ, ºÀÄArUÀ¼ÀÄ, ¥Àª æ ÀiÁt ¥ÀvæU À ¼ À ÀÄ, qÁæ¥sïÖUÀ¼ÀÄ,
ªÁgÀAmïUÀ¼ÀÄ, µÉÃgÀÄ ¥Àª æ ÀiÁt ¥ÀvæU À ¼À ÀÄ ªÀÄwÛvÀgÀ DzsÁgÀ ¥ÀvæU À ¼
À À£ÀÄß ºÉÆgÀr¸ÀÄªÀÅzÀÄ,
CAVÃPÀj¸ÀÄªÀÅzÀÄ, RjÃ¢¸ÀÄªÀÅzÀÄ CxÀªÁ ªÀiÁgÁlªÀiÁqÀÄªÀÅzÀÄ.
12. ¸ÀºPÀ ÁgÀ ²PÀëtªÀ£ÄÀ ß ¥ÉÆæÃvÁì»¸À®Ä ¤¢üU¼ À À£ÄÀ ß ¸ÁÜ¦¸ÀÄªÀÅzÀÄ.
13. ªÀÄAqÀ°¬ÄAzÀ gÀÆ¦vÀªÁzÀ ¤AiÀÄªÀÄUÀ½UÀ£ÄÀ ¸ÁgÀªÁV ¹§âA¢AiÀÄªÀgÀ ªÀÄvÀÄÛ ¸Àz¸ À ÀågÀ PÀ¯ÁåtPÁÌV
ºÁUÀÆ CªÀgÀ ªÀÄPÀÌ¼À ²PÀëtªÀ£ÄÀ ß ¥ÉÆæÃvÁì»¸À®Ä ¤¢üAiÀÄ£ÀÄß ¸ÁÜ¦¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ £ÉgÀªÀÅ
¤ÃqÀÄªÀÅzÀÄ.
14. ªÀÄAqÀ°¬ÄAzÀ gÀÆ¦vÀªÁzÀ ¤AiÀÄªÀÄUÀ½UÉ C£ÀÄ¸ÁgÀªÁV ¨ÁåAQ£À ¸Àz¸ À ÀågÀ C¯ÁàªÀ¢ü
ºÀÄArUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ ªÀ»ªÁn£À ©®ÄèUÀ¼À£ÄÀ ß ¸ÉÆÃr (r¸ËÌAmï) ªÀiÁqÀÄªÀÅzÀÄ.
15. ¸Àz¸ À ÀågÀ ºÁUÀÆ UÁæºÀPg À À ¥ÀgÀªÁV SÁvÀjUÁgÀ£ÁV (UÁågÀAlgï) ªÀwð¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ ¸ÀgÀPÁgÀ
4
CxÀªÁ CgÉ ¸ÀgÀPÁj ¸ÀA¸ÉÜUÀ½UÉ SÁvÀj ¤ÃqÀÄªÀÅzÀÄ.
16. ¸ÉÆÃrAiÀÄ£ÀÄß M¦àPÉÆ¼ÀÄîªÀÅzÀÄ, ¨sÀzæÀ PÀ¥ÁlÄ (¯ÁPÀgï) ªÀÄvÀÄÛ EvÀgÉ ¸ÀA§A¢üvÀ ¸ÉÃªÉU¼ À À£ÄÀ ß
MzÀV¸ÀÄªÀÅzÀÄ.
17. ¨sÁUÀ±À: CxÀªÁ ¸ÀA¥ÀÆtð ¨ÁQªÀ¸ÀÆ°UÉ ¨ÁåAPÀÄ vÀ£ßÀ ¸Áé¢üÃ£ÀPÌÉ §A¢gÀÄªÀ AiÀiÁªÀÅzÉÃ
D¹Û¥Á¹ÛU¼ À À ¤ªÀðºÀuÉ ºÁUÀÆ «¯ÉÃªÁj ªÀiÁqÀÄªÀÅzÀÄ.
18. ¸Àz¸À ÀågÀ C£ÀÄPÀÆ®PÁÌV ªÀÄgÀuÉÆÃvÀÛgÀ ¸ÀºÁAiÀÄ¤¢ü ¸ÀAUÀº æ ÀuÉ ªÀiÁqÀÄªÀÅzÀÄ ªÀÄvÀÄÛ ¸Àz¸À ÀågÀ
PÀÄlÄA§PÉÌ ªÀÄgÀuÉÆÃvÀÛgÀ ¸ÀºÁAiÀÄ zsÀ£À ¤ÃqÀÄªÀÅzÀÄ.
19. ¨ÁåAQ£À ªÀåªÀºÁgÀ ªÀÈ¢ÞAiÀiÁUÀÄªÀÅzÀPÌÉ ªÀÄvÀÄÛ §®UÉÆ¼ÀÄîªÀÅzÀPÌÉ CªÀ±ÀåPÀªÁzÀ J¯Áè §UÉAiÀÄ
PÉ®¸ÀU¼ À À£ÄÀ ß ªÀiÁqÀÄªÀÅzÀÄ.
5. THE AIMS AND OBJECTS OF THE BANK SHALL BE AS UNDER:
1. To encourage thrift, self help and co-operation among the members and
depositors of the bank.
2. To do banking business and also engage in such other business as is permitted in
the Banking Regulation Act 1949 (As applicable to co-operative societies)
3. To mobilise or borrow funds.
4. To lend money to its members for business, trade and commerce,
site/apartment/house construction/renovation/purchase, to purchase machineries,
equipments and motor vehicles
5. To open branches, sub-branches, pay offices, etc., by whatever name called within
the area of operation of the bank with the prior permission of the Reserve Bank of
India
6. To possess, acquire, alter or construct site / building etc., for the use and
convenience of business of the bank.
7. To provide customer service through mobile phones, websites, mobile vehicles,
agents by whatever name, outsourced entities
8. To market/sell insurance products of licenced insurance companies
9. To market/sell financial products of reputed/licensed entities
10.To market credit/Debit cards
11.To issue, to accept, to sell or purchase promissory notes, drafts, warrants, share
certificates and other negotiable instruments on behalf of its customers.
12.To create funds for the promotion of co-operative education.
13.To create funds and aid for the welfare of the members and the employees and for
the education of their children subject to the rules framed by the board.
14.To discount members short term bills or business bills, in accordance with the
rules, framed by the board.
15.To act as guarantor on behalf of the banks's members and customers by issuing
guarantee to Government / Semi Government organisations.
16.To accept discounting of bills, to provide safe deposit lockers and other ancilary
services.
5
17.To manage, sell and realise any property which may come into possession of the
bank in partial/full satisfaction of its claims.
18.To establish Death Relief Fund and other funds for the benefit of members and
the family of the deceased members.
19.To do all other activities which are required to promote and strengthen the
banking activies.
6. ¤¢ü ¸ÀAUÀæºÀuÉ :
ªÉÄÃ®ÌAqÀ J¯Áè CxÀªÁ AiÀiÁªÀÅzÉÃ GzÉÝÃ±ÀU¼ À À PÁAiÀiÁðZÀgÀuÉUÉ F PÉ¼ÀPA À qÀ «zsÁ£ÀUÀ¼À°è ¤¢ü
¸ÀAUÀº
æ ÀuÉ ªÀiÁqÀ§ºÀÄzÀÄ.
1. µÉÃgÀÄ «vÀgÀuÉ ªÀiÁqÀÄªÀ ªÀÄÄSÁAvÀg;À
2. ««zsÀ jÃwAiÀÄ oÉÃªÀtÂU¼ À À£ÄÀ ß ¹éÃPÀj¸ÀÄªÀ ªÀÄÄSÁAvÀgÀ;
3. CUÀvÀåªÁzÁUÀ ¨ÁåAPÀÄUÀ½AzÀ £ÀUÀzÀÄzÀÝj, «ÄÃgÉ¼ÀvÉ ¸Á®(NªÀgï qÁæ¥sïÖ) ªÀÄvÀÄÛ EvÀgÉ ¸Á®UÀ¼À£ÀÄß
¥ÀqÉAiÀÄÄªÀÅzÀgÀ ªÀÄÄSÁAvÀgÀ;
4. zÉÃtÂUÉ ¥ÀqA É iÀÄÄªÀÅzÀgÀ ªÀÄÆ®PÀ;
5. ¥Àªæ ÉÃ±À zsÀ£À ªÀÄÆ®PÀ ;
6. ¸Àz¸ À ÀågÀ ªÀÄgÀuÉÆÃvÀÛgÀ ¥ÀjºÁgÀ ¤¢ü ªÀÄvÀÄÛ ¸Àz¸ À ÀågÀ PÀ¯Áåt ¤¢üUÀ½UÉ ¸Àz¸ À ÀåjAzÀ ªÀAwPÉ
¹éÃPÀj¸ÀÄªÀ ªÀÄÄSÁAvÀg;À
7. PÁAiÉÄÝAiÀÄ°è CªÀPÁ±À«gÀÄªÀ EvÀgÉ AiÀiÁªÀÅzÉÃ ªÀÄÆ®¢AzÀ.
6. RAISING OF FUNDS :
The funds for carrying out all or any of the above objects may be raised by the following
ways:
1. issue of shares;
2. accepting deposits of various kinds ;
3. when necessary obtaining cash credit/overdraft or other loans from banks
4. donations;
5. entrance fees;
6. accepting subscription from members to the members death relief fund/members
welfare fund;
7. g) any other means permitted under the Act.
7. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ PÁ® PÁ®PÉÌ ºÉÆgÀr¸ÀÄªÀ ¤zÉÃð±À£ÀUÀ½UÉ M¼À¥l À ÄÖ ¤AiÀÄªÀÄ
¤§AzsÀ£ÉUÀ¼À°è ¤¢ðµÀÖ¥Àr¹zÀAvÉ ªÀÄAqÀ°AiÀÄÄ ¤zsð À j¸ÀÄªÀ µÀgv À ÀÄÛUÀ¼À ªÉÄÃ¯É CAxÀ §rØzÀgÀz° À è CAxÀ
«ÄwAiÀÄªÀgÉUÉ ¸Á®UÀ¼À£ÄÀ ß ªÀÄvÀÄÛ oÉÃªÀtÂU¼ À À£ÄÀ ß ¤UÀ¢vÀ/§zÀ¯ÁUÀ§ºÀÄzÁzÀ CªÀ¢üUÉ ¹éÃPÀj¸À§ºÀÄzÀÄ.
7. Loans and deposits may be accepted for fixed/variable periods as specified in the
rules and regulations at such rate of interest and upto such limits and on such terms and
conditions as may be determined by the board subject to the directives issued by the
Reserve Bank from time to time.
8. ¤¢ü vÉÆqÀV¸ÀÄ«PÉ :
¨ÁåAQ£À ¤¢üU¼ À À£ÄÀ ß PÁ¬ÄzÉ PÀ®A 18gÀ ¥ÀæPÁgÀ vÉÆqÀV¸ÀÄªÀÅzÀÄ.
6
8. INVESTMENT OF FUNDS : The funds of the bank shall be invested or deposited
in the manner laid down under Section 18 of theAct.
8. ¨ÁåAQ£À µÉÃgÀÄ §AqÀªÁ¼À : ¨ÁåAQ£À ¥Àw æ µÉÃj£À ªÀÄÄR ¨É¯ÉAiÀÄÄ MAzÀÄ £ÀÆgÀÄ gÀÆ¥Á¬Ä
EgÀvÀPÌÀ zÀÄÝ ºÁUÀÆ MAzÀÄ µÉÃj£À ¥ÀÆwð ªÉÆ§®UÀ£ÀÄß CfðAiÉÆA¢UÉ MAzÉÃ UÀAn£À°è ¥ÁªÀw
ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
¥Àw
æ ¸Àz¸ À Àå£ÀÆ ºÉÆA¢gÀ¨ÉÃPÁzÀ ±ÉÃgÀÄUÀ¼À PÀ¤µÀÖ ¥ÀæªÀiÁt:
¥Àw
æ ¸Àz¸ À Àå£ÀÆ, ¨ÁåAQ£À°è vÀ£ßÀ ¸Àz¸ À ÀåvÀézÀ ºÀPÀÄÌUÀ¼À£ÄÀ ß ªÀÄÄAzÀÄªÀgÉ¹PÉÆAqÀÄ ºÉÆÃUÀ®Ä ¤zÉðÃ±ÀPÀ
ªÀÄAqÀ°/¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄÄ PÁ®PÁ®PÉÌ ¤UÀ¢¸À§ºÀÄzÁzÀ µÉÃgÀÄUÀ¼À PÀ¤µÀÖ ¥Àª æ ÀiÁt ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
AiÀiÁªÀÅzÉÃ ¸ÀªÄÀ AiÀÄzÀ°è ¨ÁåAPï ¥ÀæwAiÉÆ§â ¸Àz¸ À Àå¤UÀÆ C£ÀéAiÀÄªÁUÀÄªÀAvÉ ºÉÆA¢gÀ¨ÉÃPÁzÀ µÉÃgÀÄUÀ¼À
PÀ¤µÀÖ ¥ÀæªiÀ ÁtªÀ£ÄÀ ß
ºÉaÑ¹zÁUÀ¯É®è, ºÉaÑ£À µÉÃgÀÄUÀ¼À£ÄÀ ß ¥ÀqÉAiÀÄ®Ä ºÉZÀÄÑªÀj ºÀtªÀ£ÄÀ ß ¥ÁªÀw¸À®Ä C£ÀÄPÀÆ®ªÁUÀÄªÀAvÉ
¸ÀÄªÀiÁgÀÄ DgÀÄ wAUÀ¼ÀÄ CªÀ¢üAiÀÄ PÁ¯ÁªÀPÁ±ÀªÀ£ÀÄß C£ÀÄªÀÄw¸ÀvPÀ ÀÌzÀÄÝ.
C£ÀÄªÀÄw¹zÀ PÁ¯ÁªÀ¢üAiÀÄ £ÀAvÀg,À ºÉÆA¢gÀ¨ÃÉ PÁzÀ PÀ¤µÀÖ ¥Àª æ ÀiÁtzÀ µÉÃgÀÄUÀ¼À£ÄÀ ß ºÉÆA¢®è¢gÀÄªÀ
¸Àz¸À ÀågÀÄ ¸Àz¸ À ÀåvÀézÀ ºÀPÄÀ ÌU¼
À À£ÄÀ ß ZÀ¯Á¬Ä¸À®Ä CºÀðjgÀÄªÀÅ¢®è. ºÉÆA¢gÀ¨ÉÃPÁzÀ µÉÃgÀÄ ¥Àª æ ÀiÁtªÀ£ÀÄß
ºÉaÑ¹zÀ ¢£ÁAPÀ¢AzÀ MAzÀÄ ªÀµð À zÀ £ÀAvÀgª À ÀÇ CUÀvÀå«zÀÝµÀÄÖ µÉÃgÀÄUÀ¼À£ÄÀ ß ºÉÆA¢®è¢gÀÄªÀ ¸ÀzÀ¸ÀågÀ
¸Àz¸À ÀåvÀéªÀ£ÄÀ ß CAvÀåUÉÆ½¸À§ºÀÄzÀÄ. DzÀg,É CAxÀºÀ ¸Àz¸ À ÀåjUÉ ºÉaÑ£À µÉÃgÀÄUÀ¼À£ÄÀ ß ¥ÀqA É iÀÄ®Ä
¥ÁªÀw¸À¨ÉÃPÁzÀ ºÀtªÀ£ÄÀ ß ¥ÁªÀw ªÀiÁqÀÄªÀAvÉ ¨ÁåAPï £ÉÆÃAzÁ¬Äv CAZÉ ªÀÄÆ®PÀ PÀ¤µÀÖ 15¢£ÀUÀ¼À
PÁ¯ÁªÀPÁ±ÀªÀ£ÄÀ ß ¤ÃqÀvÀPÌÀ zÀÄÝ.
9. BANK'S SHARE CAPITAL : The face value of each share of the bank shall be Rs.
100/- each. .
MINIMUM SHARE HOLDING PER MEMBER: Each member shall hold such
minimum number of shares as fixed by the Board of Directors/General Body from time
to time, to continue their membership rights in the Bank.
Whenever, the Bank increases the minimum share holding of each member, the Bank
shall provide a reasonable grace time of say SIX months to enable the members to pay
the amount of shortfall and thus acquire the required number of shares in the Bank.
Such of the members who do not hold the minimum amount of share capital as
prescribed above, even after the grace time has expired, shall become ineligible to attend
the General Body Meetings and also become ineligible to avail the services of the Bank.
The Bank may remove the members who do not hold minimum prescribed number of
shares, from the membership, if the balance amount remains unpaid after one year from
the date from which the minimum share holding has been increased. However, the Bank
shall issue a notice to be sent by Registered Acknowledged Post giving at least 15 days
to pay up the balance amount due towards the share capital.
10.Eligibility Conditions For Admission Of Members
¨ÁåAQ£À ¸ÀzÀ¸ÀåvÀé ¥ÀqÉAiÀÄ®Ä F PÉ¼ÀV£ÀªÀgÀÄ CºÀðgÁVgÀvÀPÀÌzÀÄÝ:
 PÁ£ÀÆ£ÀÄ jÃvÀå PÀgÁgÀÄUÀ¼À£ÀÄß ªÀiÁrPÉÆ¼Àî®Ä CºÀð£ÁVgÀÄªÀ 18 ªÀµÀð ªÀAiÀÄ¸ÀÄì «ÄÃjzÀ ªÀåQÛ.
7
 ¨ÁåAQ£À ¸ÉÃªÉUÀ¼À£ÀÄß ¥ÀqÉAiÀÄÄªÀ EZÉÒAiÀÄÄ¼Àî ªÀåQÛ
 ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ ¤ªÁ¹AiÀiÁVgÀÄªÀ CxÀªÁ ªÁå¥ÁgÀ ¸ÀÜ¼À ºÉÆA¢gÀÄªÀ ªÀåQÛ
 EvÀgÀ AiÀiÁªÀÅzÉÃ ¥ÀlÖt ¸ÀºÀPÁgÀ ¨ÁåAQ£À°è ¸ÀzÀ¸Àå£ÁV®è¢gÀÄªÀ ªÀåQÛ
 ¸ÀºÀPÁj PÁ¬ÄzÉ jÃvÀå £ÉÆÃAzÁ¬Ä¸À®ànÖgÀÄªÀ AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁgÀ ¸ÀAWÀ/¸ËºÁzÀð ¸ÀºÀPÁjAiÀÄÄ ¨ÁåAQ£À
¸ÀzÀ¸ÀåvÀé ¥ÀqÉAiÀÄ®Ä CºÀð£ÁVgÀÄªÀ ªÀåQÛ ºÁUÀÆ G¥À¤AiÀÄªÀÄ 4gÀ°è ºÉ¸Àj¹jgÀÄªÀ AiÀiÁªÀÅzÉÃ ªÀåQÛ.
¨ÁåAQ£À ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß ¥ÀqÉAiÀÄ®Ä C£ÀºÀðvÉUÀ¼ÀÄ
1. AiÀiÁªÀÅzÉÃ ¨ÁåAPï £À°è ¸ÀÄ¹ÛzÁgÀ£ÁVgÀÄªÀ ªÀåQÛ
2. AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁgÀ PÁ¬ÄzÉ CrAiÀÄ°è £ÉÆÃAzÁ¬ÄvÀUÉÆArgÀÄªÀ ¸ÀºÀPÁgÀ ¸ÀAWÀ
10. Eligibility Conditions For Admission Of Members :

(1) The following shall be eligible for admission as members of the bank.
 Any individual competent to contract under section 11 of the Indian Contract Act
1872 and
 who is in need of the services of the bank and
 who is residing or having a business or employed in an establishment located in
the area of operation of the bank and
 A person who is not disqualified under section 17 of the Act.
 And such other person as defined in bye-law no. 4
DISQUALIFICATIONS FOR SECURING MEMBERSHIP
1. A person who is a defaulter in any bank is not eligible to apply for a new
membership of the Bank.
2. No co-operative society registered under the any cooparetive Act shall be eligible
to become a member of the bank.
11.µÉÃjUÁV Cfð :
µÉÃgÀÄ ¥ÀqÉAiÀÄ®Ä CºÀð£ÁzÀ ªÀåQÛ ««zsÀ jÃwAiÀÄ µÉÃgÀÄUÀ½UÁV ¤UÀ¢¥Àr¹zÀ CfðUÀ¼À°è PÁ®PÁ®PÉÌ
DqÀ½vÀ ªÀÄAqÀ½ ¤UÀ¢ ¥Àr¹zÀ ±ÀÄ®Ì ¤Ãr ¥ÀqÉzÀÄ ¸ÀÆPÀÛ zÁR¯ÉUÀ¼ÉÆA¢UÉ ¨sÁgÀwÃAiÀÄ j¸ÀªÀð ¨ÁåAPï ¤ÃrgÀÄªÀ
KYC zÁR¯ÉUÀ¼ÉÆA¢UÉ °TvÀªÁV Cfð ¸À°è¸À¨ÉÃPÀÄ. CAvÀºÀ °TvÀ CfðAiÉÆA¢UÉ PÀ¤µÀÖ 1 µÉÃj£À ¥ÀÆtð
ºÀtªÀ£ÀÄß ºÁUÀÆ PÁ®PÁ®PÉÌ DqÀ½vÀ ªÀÄAqÀ½ ¤zsÀðj¸ÀÄªÀ ¥ÀæªÉÃ±À ±ÀÄ®ÌzÉÆA¢UÉ ¤ÃqÀvÀPÀÌzÀÄÝ.
CAvÀºÀ µÉÃgÀÄ CfðAiÀÄ£ÀÄß DqÀ½vÀ ªÀÄAqÀ½ CxÀªÁ CzÀjAzÀ C¢üPÁgÀ ¥ÀqÉzÀ G¥À¸À«Äw, Cfð
¹éÃPÀÈvÀªÁzÀ 60 ¢£ÀUÀ¼À M¼ÀUÉ EvÀåxÀðUÉÆ½¸ÀvÀPÀÌzÀÄÝ.
¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß ¤gÁPÀj¹zÀ°è CfðzÁgÀgÀÄ ¥ÁªÀw¹gÀÄªÀ Cfð ±ÀÄ®ÌªÀ£ÀÄß ºÉÆgÀvÀÄ¥Àr¹ J¯Áè ºÀtªÀ£ÀÆß

»AwgÀÄV¸ÀvÀPÀÌzÀÄÝ. CfðzÁgÀ¤UÉ ¸ÀzÀ¸ÀåvÀézÀ CfðAiÀÄ£ÀÄß ¤gÁPÀj¹gÀÄªÀ §UÉÎ ¤tðAiÀÄ ªÀiÁrzÀ 20 ¢£ÀUÀ¼À M¼ÀUÉ
8
£ÉÆÃnÃ¸ï ¤ÃqÀvÀPÀÌzÀÄÝ. Cfð ¸À°è¹zÀ £ÀAvÀgÀzÀ 60 ¢£ÀUÀ¼À M¼ÀUÉ ¸ÀzÀ¸ÀåvÀé ¤ÃqÀÄªÀ §UÉÎ CxÀªÁ ¤gÁPÀj¹gÀÄªÀ
§UÉÎ C¢üPÀÈvÀªÁV CfðzÁgÀ¤UÉ w½¸À¢zÀÝ°è, PÁ¬ÄzÉAiÀÄ PÀ®A 105J CrAiÀÄ°è ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ ªÀÄÄAzÉ
C¦Ã®Ä ¸À°è¸ÀÄªÀ GzÉÝÃ±ÀPÉÌ, ªÉÄÃ¯É w½¹zÀ CªÀ¢üAiÀÄ PÉÆ£ÉAiÀÄ ¢£ÁAPÀzÀAzÀÄ CfðAiÀÄ£ÀÄß ¤gÁPÀj¸À¯ÁVzÉ
JAzÀÄ ¥ÀjUÀtÂ¸ÀvÀPÀÌzÀÄÝ.
Cfð:
CfðAiÀÄ£ÀÄß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ¤UÉ GzÉÝÃ²¹gÀ ¨ÉÃPÀÄ.
CfðzÁgÀ£ÀÄ CfðAiÀÄ°è PÉÃ¼À¯ÁVgÀÄªÀ ªÀiÁ»wUÀ¼À£ÀÆß CAzÀgÉ ªÀÈwÛ¥ÀgÀ «zÁåºÀðvÉUÀ¼ÀÄ,(EzÀÝ°è),

¥Àj²µÀÖeÁw/¥ÀAUÀqÀUÀ½UÉ ¸ÉÃjgÀÄªÀ §UÉÎ, »AzÀÄ½zÀ ªÀUÀðUÀ½UÉ ¸ÉÃjgÀÄªÀ §UÉÎ EªÀÅUÀ¼À£ÀÆß M¼ÀUÉÆAqÀAvÉ J®è
ªÀiÁ»wUÀ¼À£ÀÄß ¤ÃqÀvÀPÀÌzÀÄÝ.
PÁ®PÁ®PÉÌ ¤zÉðÃ±ÀPÀ ªÀÄAqÀ° ¤UÀ¢¸ÀÄªÀ ¤AiÀÄªÀÄUÀ¼À£ÀÄß ¥Á°¹ ºÁUÀÆ ¤UÀ¢¹gÀÄªÀ PÀ¤µÀÖ ªÉÆvÀÛªÀ£ÀÄß ¥ÁªÀw¹
CfðAiÀÄ£ÀÄß ¸À°è¸À¨ÉÃPÀÄ.
DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ, CAvÀºÀ CfðUÀ¼À£ÀÄß ¸ÁªÀiÁ£ÀåªÁV JgÀqÀÄwAUÀ¼ÀÄUÀ¼À M¼ÀUÉ ¥ÀjUÀtÂ¹ ªÀÄAdÆgÁzÀ

CfðAiÀÄ §UÉÎ ¸ÀÄªÀiÁgÀÄ MAzÀÄwAUÀ¼À M¼ÀUÉ CfðzÁgÀ¤UÉ w½¸ÀvÀPÀÌzÀÄÝ.
»ÃUÉ ¸ÀzÀ¸ÀåvÀé ªÀÄAdÆgÁwAiÀiÁzÀ £ÀAvÀgÀ ¸ÀÄªÀiÁgÀÄ JgÀqÀÄ wAUÀ¼ÀÄUÀ¼À M¼ÀUÉ CfðzÁgÀgÀÄ ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß
¥ÀqÉAiÀÄ¨ÉÃPÀÄ CxÀªÁ wgÀ¸ÀÌj¸À¨ÉÃPÀÄ.
ªÀÄAdÆgÁw ¥ÀqÉzÀ £ÀAvÀgÀ ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß JgÀqÀÄ wAUÀ¼ÀÄUÀ¼À M¼ÀUÉ ¥ÀqÉAiÀÄ¢gÀÄªÀ CfðzÁgÀgÀÄ,

ªÀÄAdÆgÁwAiÀiÁzÀ ¢£ÁAPÀ¢AzÀ MAzÀÄªÀµÀð PÁ® ªÀÄvÉÆÛªÉÄä CfðAiÀÄ£ÀÄß ¸À°è¸ÀÄªÀAw®è.
11.APPLICATION FOR MEMBERSHIP :

Any person seeking admission to the membership of the bank shall make an application
to the chief executive of the bank in the form prescribed for the purpose. Subject to the
decisions of the Board of Directors from time to time, the full value of at least one share
shall be paid in one lump sum, alongwith the application for membership. The board of
Directors or a subcommittee for the purpose shall either accept or reject any of such
applications within a period of 60 days. In case membership is refused, the amount paid
by the applicant shall be refunded to him in full except the application fee. The applicant
shall be informed in writing about the rejection within twenty days from the date of
taking such a decision. If, within two months from the date of application for admission
as member, either acceptance or rejection is not communicated to the applicant, it shall
be deemed to have been rejected on the last day of the said period for the purpose of
9
filing an appeal to the general body under section 105A of the Act.
Application:
 The applicant shall furnish all the information sought in the application including,
among others, his professional qualifications, if any, whether belonging to
scheduled caste/tribe, backward class and such other details.
 It should be addressed to the Chief Executive.
 Submission of such applications should comply with the rules framed by the
Board of Directors along with payments of such amounts as decided by the Board
of Directors from time to time
 The board shall consider all such application within two months from the date of
receipt. The sanction of membership shall be let known to the applicant with in a
period of ONE month after sanction of membership.
 The applicant shall be offered a reasonable time of not more than 2 months from
the date of sanction to take the offer of membership or reject the same.
 Such applicants who do not take up the membership after sanction are not eligible
to apply for membership for a period of one year from the date of sanction.
12. ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ¥ÀqÉAiÀÄÄªÀÅzÀÄ
ºÁ° ¸ÀzÀ¸ÀåvÀé ºÉÆA¢gÀÄªÀ ¸ÀzÀ¸Àå£ÀÄ ªÀµÀðzÀ°è MAzÀÄ ¨Áj ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß F PÉ¼ÀPÀAqÀ GzÉÝÃ±ÀUÀ½UÉ
¥ÀqÉAiÀÄ§ºÀÄzÀÄ:
1. ºÀÆrPÉ GzÉÝÃ±ÀPÁÌV
2. ¸Á® ¥ÀqÉAiÀÄ®Ä
3. eÁ«ÄÃ£ÀÄzÁgÀ£ÁUÀ®Ä
¸ÀzÀ¸Àå£ÀÄ ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ¥ÀqÉAiÀÄÄªÀ GzÉÝÃ±ÀªÀ£ÀÄß vÀ£Àß CfðAiÀÄ°è w½¹gÀ¨ÉÃPÀÄ.
ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ¥ÀqÉAiÀÄÄªÀ GzÉÝÃ±À ºÀÆrPÉUÁV DVzÀÝ°è, ªÀÄAdÆgÁzÀ ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß, DqÀ½vÀ
ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¸ÀÄªÀ PÀ¤µÀÖ CªÀ¢üAiÀÄªÀgÉUÉ »AwgÀÄV¸À¯ÁUÀzÀÄ. ºÉÃVzÀÝgÀÆ MAzÀÄ ªÀµÀðCªÀ¢üAiÀÄ°è MAzÀÄ
¨Áj ªÀiÁvÀæ µÉÃgÀÄUÀ¼À£ÀÄß »AwgÀÄV¸À§ºÀÄzÁVgÀÄvÀÛzÉ.
¨ÁåAPï £À PÀ¤µÀÖ µÉÃgÀÄ eÉÆÃqÀuÉ ¤ÃwUÉ C£ÀÄUÀÄtªÁV ¸Á® ¥ÀqÉAiÀÄÄªÀ GzÉÝÃ±ÀPÁÌV ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß
¥ÀqÉAiÀÄÄwÛzÀÝ°è, »ÃUÉ ¥ÀqÉzÀ ºÉZÀÄÑªÀjµÉÃgÀÄUÀ¼À£ÀÄß ErÃ ¸Á®ªÀ£ÀÄß ªÀÄgÀÄ ¥ÁªÀw ªÀiÁr AiÀiÁªÀÅzÉÃ ¨ÁQAiÀÄ£ÀÄß
G½¹PÉÆAqÁUÀ ªÀiÁvÀæ »AwgÀÄV¸À§ºÀÄzÁVgÀÄvÀÛzÉ.
¨ÁåAPï £À PÀ¤µÀÖ µÉÃgÀÄ eÉÆÃqÀuÉ ¤ÃwUÉ C£ÀÄUÀÄtªÁV, ªÀÄvÉÆÛ§â ¸ÀzÀ¸Àå£ÀÄ ¸Á® ¥ÀqÉAiÀÄÄªÀ GzÉÝÃ±ÀPÁÌV
eÁ«ÄÃ£ÀÄzÁgÀ£ÁUÀ®Ä, ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ¥ÀqÉAiÀÄÄwÛzÀÝ°è, »ÃUÉ ¥ÀqÉzÀ ºÉZÀÄÑªÀjµÉÃgÀÄUÀ¼À£ÀÄß ErÃ ¸Á®ªÀ£ÀÄß
ªÀÄgÀÄ ¥ÁªÀw ªÀiÁr AiÀiÁªÀÅzÉÃ ¨ÁQAiÀÄ£ÀÄß G½¹PÉÆAqÁUÀ ªÀiÁvÀæ »AwgÀÄV¸À§ºÀÄzÁVgÀÄvÀÛzÉ.
ºÉZÀÄÑªÀj µÉÃgÀÄUÀ½UÁV CfðAiÀÄ£ÀÄß ¥ÀjUÀtÂ¸ÀÄªÀ ªÀÄÄ£Àß ¨ÁåAPï £À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ ¨ÁåAPï ºÀtPÁ¸ÀÄ
10
¥Àj¹Üw, ºÉZÀÄÑªÀjµÉÃgÀÄUÀ¼À£ÀÄß ¤ÃqÀÄªÀ §UÉÎ ¨ÁåAPï C¼ÀªÀr¹PÉÆArgÀÄªÀ ¤Ãw ºÁUÀÆ EvÀgÀ ¸ÀA§A¢üvÀ
«µÀAiÀÄUÀ¼À£ÀÄß UÀt£ÉUÉ vÉUÉzÀÄPÉÆAqÀÄ ªÀÄAdÆgÁw ¤ÃqÀÄvÀÛzÉ. ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ¤ÃqÀÄªÀ §UÉÎ DqÀ½vÀ
ªÀÄAqÀ°AiÀÄ wÃªÀiÁð£ÀªÉÃ CAwªÀÄªÁVgÀÄvÀÛzÉ.
ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß »AwgÀÄV¸ÀÄªÀÅzÀÄ

¤UÀ¢vÀ ¸ÀASÉåVAvÀ ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ºÉÆA¢gÀÄªÀ ¸ÀzÀ¸ÀågÀÄ MAzÀÄ ¸ÀºÀPÁgÀ ªÀµÀðzÀ°è MªÉÄä ªÀiÁvÀæ
ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß »AwgÀÄV¸À§ºÀÄzÁVgÀÄvÀÛzÉ.
ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß »A¥ÀqÉAiÀÄÄªÀÅzÀÄ
«±ÉÃµÀ ¸ÀAzÀ¨sÀðUÀ¼À°è, ¨ÁåAPï £À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß ºÉÆA¢gÀÄªÀ ¸ÀzÀ¸ÀåjUÉ ºÉZÀÄÑªÀj
µÉÃgÀÄUÀ¼À£ÀÄß »A¥ÀqÉzÀÄ CzÀPÉÌ ¸Àj¸ÀªÀiÁ£ÀªÁzÀ ªÉÆvÀÛªÀ£ÀÄß ¥ÁªÀw¸À§ºÀÄzÁVgÀÄvÀÛzÉ. ¥ÀgÀAvÀÄ ºÁUÉ ªÀiÁqÀÄªÀ
ªÀÄÄ£Àß ¸ÀzÀ¸ÀåjUÉ 15 ¢£ÀUÀ¼À £ÉÆÃnÃ¸ï ¤ÃqÀ¨ÉÃPÁVgÀÄvÀÛzÉ. MAzÀÄ ¸ÀºÀPÁgÀ ªÀµÀðzÀ°è MAzÀÄ ¨Áj ªÀiÁvÀæ
EAvÀºÀ PÀæªÀÄªÀ£ÀÄß PÉÊUÉÆ¼Àî§ºÀÄzÁVgÀÄvÀÛzÉ.
12.Acquiring additional shares
An existing member can apply for allotment of additional shares once in a year for the
following purposes:
1. As investment
2. For availing a loan
3. For giving a guarantee
The member has to declare the purpose of seeking additional shares in the application.
 If the purpose of seeking additional shares is for the purpose of investment, the
additional shares sanctioned by the bank can not be surrendered for such
minimum periods as prescribed by the Board of Directors. In any case the
surrendering of shares can be done only once in a cooperative year.
 If the purpose of additional shares is for the purpose of availing credit facilities as
per the share linking of loans policy of the bank, then the additional shares can be
surrendered only after the loan account is closed and all the liabilities to the bank
are discharged.
 If the purpose of the additional shares is for the purpose of providing a guarantee
for credit facilities as per the share linking of loans policy of the bank, then the
additional shares can be surrendered only after the loan account is closed and all
the liabilities to the bank are discharged.
The Bank will take in to account various aspects including the present level of share
capital of the Bank, the policy of the Bank regarding allotment of additional shares
before accepting the request for additional shares. The final decision to allot the
additional shares vests with the Board of Directors.
Surrendering of additional shares
Additional shares over an above the prescribed minimum number of shares may be
11
surrendered to the bank only once in a cooperative year.
Refund of additional shares
The bank may at its sole discretion may opt to refund the amount equivalent to the
additional shares held by a member, under certain circumstances. The decision to refund
should show cause the need for refunding the additional share capital and give a notice
of at least 15 days to the member concerned. The exercise related to refund of share
capital can be undertaken by the bank only for one time in a cooperative year.
13. µÉÃgÀÄUÀ¼À eÉÆÃqÀuÉ ¥ÀæªÀiÁt :
¸Àz¸ À ÀågÀÄ ¨ÁåAPï ¤ÃqÀÄªÀ ««zsÀ ¸ÉÃªÉU¼ À À£ÄÀ ß ¥ÀqA
É iÀÄ®Ä µÉÃgÀÄUÀ¼À eÉÆÃqÀuÉ ¥ÀæªÀiÁtUÀ¼À£ÄÀ ß
¤UÀ¢¸À§ºÀÄzÁzÀ ¤ÃwAiÀÄ£ÀÄß ¨ÁåAPï gÀÆ¦¸ÀvÀPÀÌzÀÄÝ. CAxÀºÀ ¤ÃwAiÀÄ£ÀÄß gÀÆ¦¸ÀÄªÀªg À U
É ÀÆ ºÁ°
¥ÀzÝÀ wAiÀÄ£ÀÄß ªÀÄÄAzÀÄªÀgÉ¹PÉÆAqÀÄ ºÉÆÃUÀ§ºÀÄzÀÄ.
14.SHARE LINKING POLICY :
The Bank shall formulate a policy for linking of share capital held by a member
with the various services offered by the Bank. Pending the formulation of such a
policy the bank may continue to go by the traditional share linking policy of the
Bank.
15. ¸ÀzÀ¸ÀåjUÉ PÉÆqÀvÀPÀÌ µÉÃgÀÄ ¥ÀæªÀiÁt ¥ÀvÀæUÀ¼ÀÄ
PÀæªÀÄ ¸ÀASÉå ºÁUÀÆ ¨ÁåAQ£À ªÀÄÄzÉæAiÀÄ£ÀÄß ºÉÆA¢gÀvÀPÀÌzÀÄÝ µÉÃgÀÄ ¥ÀæªÀiÁt ¥ÀvÀæzÀ°è F PÉ¼ÀV£À «ªÀgÀUÀ¼À£ÀÄß
£ÀªÀÄÆ¢¸ÀvÀPÀÌzÀÄÝ:
ºÉ¸ÀgÀÄ, «¼Á¸À, d£Àä ¢£ÁAPÀ/ªÀAiÀÄ¸ÀÄì, «zÁåºÀðvÉUÀ¼ÀÄ, °AUÀ, ¥Àj²µÀÖ eÁw/¥ÀAUÀqÀ, »AzÀÄ½zÀ eÁw
F ¥ÀæªÀiÁt ¥ÀvÀæUÀ¼ÀÄ ¨ÁåAQ£À CzsÀåPÀëgÀ ªÀÄvÀÄÛ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£À ¸À»UÀ¼À£ÀÄß ºÉÆA¢gÀvÀPÀÌzÀÄÝ. µÉÃgÀÄ
¥ÀæªÀiÁt ¥ÀvÀæUÀ¼À£ÀÄß ªÀÄAqÀ°AiÀÄ ¤tðAiÀÄzÀ ¢£À¢AzÀ ªÀÄÆªÀvÀÄÛ ¢£ÀUÀ¼ÉÆ¼ÀUÉ ¸ÀzÀ¸ÀåjUÉ PÉÆqÀvÀPÀÌzÀÄÝ.
15. SHARE CERTIFICATE : The share certificates issued to the members shall have
1. serial number
2. the seal of the bank
3. Full name of the member
4. complete postal address of the Member
5. Gender
6. Information whether belonging to SC/ST
7. Information whether belonging to OBC
8. Photo of the member
9. Nomination details
and shall be signed by the president and the Chief Executive. The share certificates shall
be issued to the members within thirty days, from the date of the resolution of the board.
16. ¥ÀæwgÀÆ¥À µÉÃgÀÄ ¥ÀæªÀiÁt ¥ÀvæU
À À¼À ¤ÃqÀÄ«PÉ :
µÉÃgÀÄ ¥Àª æ ÀiÁt ¥ÀvæU
À À¼ÀÄ «gÀÆ¥ÀUÆ É ArzÀÝgÉ, ºÀjzÀÄ ºÉÆÃVzÀÝgÉ CxÀªÁ ¸Àªz É ÀÄ ºÉÆÃVzÀÝgÉ
CAvÀºª À ÀÅUÀ¼À£ÀÄß »A¢gÀÄV¹zÀgÉ, ¥Àwæ gÀÆ¥À µÉÃgÀÄ ¥Àª
æ ÀiÁt ¥ÀvæU
À ¼
À À£ÄÀ ß ¤ÃqÀvÀPÌÀ zÀÄÝ. ºÁUÉAiÉÄÃ £Á±ÀªÁzÀ
12
CxÀªÁ PÀ¼ÉzÄÀ ºÉÆÃzÀ µÉÃgÀÄ ¥Àª æ ÀiÁt ¥ÀvæU À ¼
À À §UÉÎ ªÀÄAqÀ°UÉ ¸ÀªiÀ ÁzsÁ£ÀPg À ª À ÁzÀ jÃwAiÀÄ°è ¥ÀjºÁgÀ
¥ÀvæÀ (EAr«Äßn ¨ÁAqï) ¸À°è¹ ¥Àw æ gÀÆ¥À µÉÃgÀÄ ¥Àªæ ÀiÁt ¥ÀvæU À ¼
À À£ÄÀ ß ¥ÀqÉAiÀÄ§ºÀÄzÀÄ. CAvÀºÀ ¥Àª æ ÀiÁt
¥ÀvæU
À ¼À À£ÄÀ ß ¥Àw
æ µÉÃgÀÄ ¥ÀæªÀiÁt ¥ÀvæÀ MAzÀPÌÉ ..........gÀÆ. £ÀAvÉ ¥ÁªÀw¹ ¥ÀqA É iÀÄvÀPÌÀ zÀÄÝ. ºÁUÉ ¤ÃqÀ®àlÖ
µÉÃgÀÄ ¥ÀæªiÀ Át ¥ÀvæU À ¼
À À ªÉÄÃ¯É ``¥Àw æ gÀÆ¥À'' JAzÀÄ £ÀªÀÄÆ¢¸ÀvPÀ ÀÌzÀÄÝ.
16. ISSUE OF DUPLICATE SHARE CERTIFICATES :
If the share certificates are mutilated, torn or wornout, duplicate share certificates shall
be issued on return of such share certificates. In case of destroyed or lost share
certificates, duplicate share certificates may be issued on production of an indemnity
bond to the satisfaction of the board. Such share certificates shall be issued and marked
as ``duplicate'' on payment of Rs............. per share certificate.
17. µÉÃgÀÄ ªÀUÁðªÀuÉ :
(1) ¤zÉðÃ±ÀPÀ ªÀÄAqÀ½AiÀÄÄ PÁ®PÁ®PÉÌ ¤UÀ¢¹gÀÄªÀ µÀgv À ÀÄÛUÀ½UÉ M¼À¥l À ÄÖ, ¸Àz¸ À ÀågÀÄ vÀªÄÀ ä µÉÃgÀÄUÀ¼À£ÄÀ ß
¨ÁåAQ£À EvÀgÀ ¸ÀzÀ¸ÀåjUÉ ªÀUÁð¬Ä¸À®Ä ªÀÄAqÀ°UÉ Cfð ¸À°è¸§ À ºÀÄzÀÄ. µÉÃgÀÄ ªÀUÁðªÀuÉ ªÀiÁqÀÄªÀ
¸Àz¸ À Àå£ÀÄ ªÀUÁðªÀuÉ ªÀiÁqÀ¯ÁUÀÄªÀ µÉÃgÀÄUÀ¼À£ÀÄß ¥Àqz É ÀÄ PÀ¤µÀ× ªÀÄÆgÀÄ (3) ªÀµð À DVgÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ
µÉÃgÀÄ ªÀUÁðªÀuÉUÁV ¸À°è¸ÀÄªÀ °TvÀ CfðAiÀÄ£ÀÄß µÉÃgÀÄ ¥Àª æ ÀiÁt ¥Àvæ,À µÉÃgÀÄUÀ¼À£ÄÀ ß ¥ÀqA É iÀÄÄªÀªÀ¤AzÀ
M¦àUÉ ºÁUÀÆ ¤UÀ¢vÀ ªÀUÁðªÀuÉ ±ÀÄ®ÌzÉÆA¢UÉ ¸À°è¸v À ÀPÌÀ zÀÄÝ. ªÀÄAqÀ°AiÀÄÄ D ªÀUÁðªÀuÉ M¥ÀÄàªÀªÀgU É Æ
À
ºÁUÀÆ ¨ÁåAQ£À ¥ÀÄ¸ÀÛPÀzÀ°è D §UÉÎ £ÉÆÃAzÀtÂ DUÀÄªÀªÀgÉUÀÆ µÉÃgÀÄ ªÀUÁðªÀuÉ PÀª æ ÀÄ§zÀÞªÁUÀÄªÀÅ¢®è.
µÉÃgÀÄ ªÀUÁðªÀuÉzÁgÀ£ÀÄ ¸ÀÆa¹gÀÄªÀ µÀgÀvÀÄÛUÀ¼À£ÄÀ ß ¥Á°¸À¢zÀÝ°è, ªÀÄAqÀ°AiÀÄÄ F µÉÃgÀÄ
ªÀUÁðªÀuÉAiÀÄ£ÀÄß wgÀ¸ÀÌj¸À§ºÀÄzÀÄ.
n¥Ààt:Â »ÃUÉ ªÀUÁð¬Ä¸À®àlÖ µÉÃgÀÄ ¨É¯ÉAiÀÄ£ÀÄß ¤AiÀÄªÀÄ 12gÀ ¥ÀæPÁgÀ ¯ÉPÌÀ ºÁPÀ¯ÁUÀÄvÀÛzÉ.
(2) AiÀiÁªÀÅzÉÃ jÃwAiÀÄ°è ¸Àz¸ À Àå£ÀÄ ¨ÁåAQ£À ¸Á®UÁgÀ£ÁVzÀÝ°è CAvÀºÀ ¸Àz¸ À Àå¤AzÀ §A¢gÀÄªÀ µÉÃgÀÄ
ªÀUÁðªÀuÉ ªÀÄ£À«AiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄÄ wgÀ¸ÀÌj¸À§ºÀÄzÀÄ.
17. TRANSFER OF SHARES :
(1) A member may apply to the board for transfer of shares to another member on such
terms as prescribed by the Board of Directors from time to time. No such transfer of
share shall be made unless the member has held such shares for at least three years and
tenders his share certificate with his written application for transfer along with the
written acceptance of the transferee and necessary fee. No transfer shall be valid until it
is accepted by the board and registered in the books of the bank.
The board may reject any transfer application if the transferor does not fulfill the
conditions required thereunder
Note: The value of the shares so transfered shall be calculated in the manner provided in
rule 12 of the rules.
(2) The board may decline to register any transfer of shares in respect of a member who
is indebted to the bank in any way.
18.¸ÀzÀ¸ÀåvÀé CAvÀåUÉÆ¼ÀÄîªÀÅzÀÄ
M§â ¸ÀzÀ¸Àå£À ¸ÀzÀ¸ÀåvÀéªÀÅ F PÉ¼ÀPÀAqÀ ¸ÀAzÀ¨ð

sÀ UÀ¼À°è CAvÀåUÉÆ¼ÀÄîvÀÛzÉ:
13
1. ¸ÀzÀ¸Àå ªÀÄgÀtºÉÆAzÀÄªÀÅzÀÄ
2. ¸ÀzÀ¸Àå£ÀÄ gÁf£ÁªÉÄ ¤ÃqÀÄªÀÅzÀÄ
3. ¸ÀzÀ¸Àå£ÀÄ ¢ªÁ½AiÀiÁVzÁÝ£ÉAzÀÄ WÉÆÃ¶vÀ£ÁVzÀÝ°è
4. £ÁåAiÀiÁ®AiÀÄ, ¤AiÀÄAvÀæPg
À ÀÄ, ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï ºÁUÀÆ EvÀgÀ C¢üPÁgÀUÀ½AzÀ eÁjAiÀiÁzÀ
DzÉÃ±ÀUÀ½UÉ C£ÀÄUÀÄtªÁV
¸ÀzÀ¸Àå£ÀÄ F PÉ¼ÀPÀAqÀ AiÀiÁªÀÅzÉÃ PÁgÀtUÀ½AzÀ ¨ÁåAPï UÉ £ÀµÀÖ GAlÄªÀiÁrzÀÝ°è:
1. ¸ÀzÀ¸Àå£ÀÄ vÁ£ÀÄ ¥ÀqÉzÀ ¸Á®ªÀ£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀÄªÀ°è KPÀPÁ® ¸Á®ªÀÄgÀÄ¥ÁªÀw ¸Ë®¨sÀåªÀ£ÀÄß

¥ÀqÉ¢zÀÝ°è
2. ¸ÀzÀ¸Àå£ÀÄ ¥ÀqÉzÀ ¸Á®ªÀ£ÀÄß £ÁåAiÀiÁ®AiÀÄzÀ zÁªÉ DzÉÃ±ÀzÀ ªÉÄÃgÉUÉ ªÀ¸ÀÆ° ªÀiÁrzÀÝ°è
3. ¸ÀzÀ¸Àå ºÁUÀÆ ¨ÁåAPï £À £ÀqÀÄªÉ £ÀqÉzÀ ªÀåªÀºÁgÀ¢AzÀ ¨ÁåAPï UÉ £ÀµÀÖ GAmÁVzÀÝ°è
4. AiÀiÁªÀÅzÉÃ ¤AiÀÄAvÀæPg À ÀÄ £ÀqÉ¹zÀ ¥Àj«ÃPÀëuÉ/«ZÁgÀuÉAiÀÄrAiÀÄ°è ¸ÀzÀ¸Àå£ÀÄ £ÀµÀÖ GAlÄªÀiÁrzÁÝgÉ
JAzÀÄ ºÉÆuÉ ºÉÆgÀ¹zÀÝgÉ
5. ¸ÀzÀ¸Àå£ÀÄ ¥ÀqÉzÀ ¸Á®zÀ ªÀÄgÀÄ¥ÁªÀwUÁV ¸ÀzÀ¸Àå£À ±ÉÃgÀÄ ªÉÆvÀÛªÀ£ÀÄß ªÀÄÄlÄÖUÉÆÃ®Ä ºÁÀQPÉÆArzÀÝ°è
6. ¸ÀzÀ¸Àå£ÀÄß Qæ«Ä£À¯ï ªÉÆPÀzÀÝªÉÄäAiÀÄ°è D¥Á¢vÀ JAzÀÄ DzÉÃ±ÀªÁVzÀÝ°è
7. ¸ÀzÀ¸Àå£ÀÄ ¸ÀÄ¼ÀÄî ºÉÃ½PÉ ¤Ãr ¸ÀzÀ¸åÀ vÀéªÀ£ÀÄß ¥ÀqÉ¢zÀÝ°è
8. ¸ÀzÀ¸Àå£ÀÄ SÉÆnÖ zÁR¯ÉUÀ¼À£ÀÄß ¤Ãr ¸ÀzÀ¸åÀ vÀéªÀ£ÀÄß ¥ÀqÉ¢zÀÝ°è
¸ÀzÀ¸Àå£ÁV ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä C£ÀºÀðvÉUÀ¼ÀÄ

o PÁ¬ÄzÉAiÀÄ PÀ®A 16gÀgÀrAiÀÄ°è ¸ÀzÀ¸Àå£ÁV ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä C£ÀºÀð£ÁVzÀÝ°è
o PÁ¬ÄzÉAiÀÄ PÀ®A 17gÀgÀrAiÀÄ°è ¸ÀzÀ¸Àå£ÁV ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä C£ÀºÀð£ÁVzÀÝ°è
o ¨ÁåAPï £À°è CxÀªÁ ¨ÁåAPï UÉ ¸Á®¤ÃqÀÄªÀ KeÉ¤ìAiÀÄ ªÉÃvÀ£À ¥ÀqÉAiÀÄÄªÀ £ËPÀgÀ£ÁzÀ°è
o C£ÀÄPÀæªÀÄªÁV ªÀÄÆgÀÄªÀµÀðUÀ¼À PÁ® G¥À¤AiÀÄªÀÄUÀ¼À°è ¤UÀ¢¹zÀAvÉ ¨ÁåAPï ¤AzÀ ¥Àæw ªÀµÀð
PÀ¤µÀÖ ªÀÄlÖzÀ ¸ÉÃªÉUÀ¼À£ÀÄß ¥ÀqÉAiÀÄ®Ä «¥sÀ®£ÁzÀ°è
o PÀ¼ÉzÀ LzÀÄ ªÀµÀðUÀ¼À°è ªÀÄÆgÀÄ ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨ÉU s À¼À°è ºÁdgÁV®è¢zÀÝ°è
o ¸ÀzÀ¸Àå£À J¯Á µÉÃgÀÄUÀ¼À£ÀÆß ªÀUÁðªÀuÉUÉÆ½¹zÀÝ°è, ªÀÄÄlÄÖUÉÆÃ®Ä ºÁQPÉÆArzÀÝ°è AiÀiÁªÀÅzÉÃ
¨ÁQUÁV ¥ÁªÀwAiÀiÁVzÀÝ°è
o ¸ÀzÀ¸Àå£ÀÄ £ÉÆÃAzÁ¬Äv ¸ÀAWÀ, ¥Á®ÄzÁjPÉ ¸ÀA¸ÉÜ CxÀªÁ PÀA¥É¤ CxÀªÁ ¸ÁA¹ÜPÀ ¸ÀzÀ¸Àå£ÁVzÀÄÝ
¢ªÁ½ CxÀªÁ ¸ÀªÀiÁ¥À£ÀUÉÆ½¹zÀ°è
- CAvÀºÀ ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß PÀÆqÀ¯É CAvÀåUÉÆ½¸À¯ÁUÀÄªÀÅzÀÄ.
(1) µÉÃgÀÄUÀ¼À£ÀÄß ªÁ¥Á¸ÀÄ ¥ÀqÉAiÀÄÄªÀÅzÀÄ/ ¤ÃqÀÄªÀÅzÀÄ :
o AiÀiÁªÀÅzÉÃ ¸ÀzÀ¸Àå£ÀÄ gÁfÃ£ÁªÉÄ CxÀªÁ ªÀÄgÀtzÀ PÁgÀt¢AzÀ µÉÃgÀÄUÀ¼À£ÀÄß »AzÀÄgÀÄV

¤ÃqÀ¨ÉÃPÁzÀ°è ªÀÄAqÀ½AiÀÄÄ CAvÀºÀ ¸ÀzÀ¸Àå£À AiÀiÁªÀÅzÉÃ ¥ÀævÀåPÀë/C¥ÀævÀåPÀë ¨ÁQUÀ½zÀÝ°è »A¢gÀÄV
14
¤ÃqÀÄªÀAw®è.
o ¨ÁåAQ£À §AqÀªÁ¼ÀzÀ°è AiÀiÁªÀÅzÉÃ PÉÆgÀvÉ EzÀÝ°è CzÀ£ÀÄß ¥Àæw µÉÃjUÉ ±ÉÃPÀqÀªÁgÀÄ PÀrvÀUÉÆ¼À¹
¤ÃqÀvÀPÀÌzÀÄÝ.
o «±ÉÃµÀ ¸ÀAzÀ¨sÀðUÀ¼À°è ¨ÁåAPï µÉÃgÀÄ ªÁ¥À¸ÁwUÁV §A¢gÀÄªÀ CfðUÀ¼À£ÀÄß ¥ÀÅgÀ¸ÀÌj¸À®Ä
¤gÁPÀj¸À§ºÀÄzÀÄ CxÀªÁ ªÁ¥À¸Áw ªÀiÁqÀ®Ä M¦àzÀgÀÆ µÉÃgÀÄ ºÀtªÀ£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀ®Ä
¤zÉðÃ±ÀPÀ ªÀÄAqÀ°AiÀÄÄ CªÀ¢üAiÀÄ£ÀÄß ¤UÀ¢¥Àr¸À§ºÀÄzÀÄ. DzÀgÀÆ AiÀiÁªÀÅzÉÃ MAzÀÄ ªÀµÀðzÀ°è
»A¢gÀÄV ¤ÃqÀÄªÀ µÉÃgÀÄUÀ¼À ªÉÆvÀÛ MlÄÖ µÉÃgÀÄ §AqÀªÁ¼ÀzÀ ±ÉÃPÀqÁ ºÀvÀÛ£ÀÄß «ÄgÀÄªÀAw®è.
o ±ÉÃPÀqÁ ºÀvÀÛQÌAvÀ ºÉaÑUÉ §AzÀ CfðUÀ¼À£ÀÄß ªÀÄÄA¢£À ªÀµÀð DzÀåvÉAiÀÄ ªÉÄÃgÉUÉ ¥ÀjUÀtÂ¸À¨ÉÃPÀÄ.
µÉÃgÀÄUÀ¼À ªÉÆvÀÛ ªÀÄvÀÄÛ ¥ÁªÀwAiÀiÁV®èzÀ r«qÉAqï ªÉÆvÀÛzÀ ªÉÄÃ¯É ¨ÁåAPï UÉ ªÉÆzÀ® ºÀPÀÄÌ EgÀÄvÀÛzÉ.
¸Àz¸À ÀåvÀéªÀ£ÄÀ ß CAvÀåUÉÆ½¸ÀÄªÀ ªÀÄÄ£Àß ¸Àz¸À Àå¤UÉ 15 ¢£ÀUÀ¼À PÁ¯ÁªÀ¢üAiÀÄ PÁgÀt PÉÃ¼ÀÄªÀ £ÉÆÃnÃ¸ï £ÀÄß
¤ÃqÀvÀPÌÀ zÀÄÝ.
18. Termination of Membership:
Membership of a member may get terminated under the following circumstances:
(1) Death of the Member
(2) Resignation submitted by the member
(3) Termination of the membership as per the orders issued by the Regulators, Court
of Law and such other authorities
If the Member has caused financial loss to the Bank in any of the following manners:
1. If the member has obtained one time settlement for repayment of a loan borrowed
by him
2. If the loan borrowed by the member has been recovered after a legal process
against the member
3. On account of any transaction between the Bank and the Member
4. If an Enquiry conducted by any of the Regulators have made the member
responsible for the lossess incurred by the bank
5. If the share amounts are forefeited by the bank to appropriate the same for settling
the dues of the member to the Bank
6. If the member has been declared as an insolvent
7. If the member is convicted for any criminal offence committed by him.
8. If the member has obtained the membership by making a false declaration
9. If the member has obtained the membership by furnishing fake documents.
Disqualifications for continuing as a Member
1. If the loan borrowed by the member has been recovered after a legal process
against the member
2. is not eligible for admission to the membership under Section 16 of the Act;
3. has incurred disqualification for countinuance as a member under section 17
of the Act;
15
4. is a paid employee of the bank or of its financing agency;
5. fails to transact such minimum business or utilize such minimum services or
facilities every year as specified in the byelaws for a continuous period of
three years;
6. Has not attended at least three out of the five previous General Body Meetings
7. transfers all his shares or if all his shares are for feited or adjusted or set off;
8. is a registered society or a partnership firm or a company or a body corporate
or other institution on its dissolution or liquidation;
- he / it shall cease to be the member of the bank forthwith.

The bank shall have first charge on the share amount and dividend for the dues payable
to it.
The concerned member shall be issued a 15 days show cause notice before terminating
the membership
18 J. µÉÃgÀÄUÀ¼À ¨É¯É ¤zsÀðj¸ÀÄªÀÅzÀÄ

ªÀUÁð¬Ä¸À¯ÁzÀ/»A¥ÀqÉAiÀÄ¯ÁzÀ/»AwgÀÄV¸À¯ÁzÀ µÉÃgÀÄUÀ¼À ªÀiË®åªÀ£ÀÄß ¤AiÀÄªÀÄ 12gÀ ¥ÀæPÁgÀ
¤UÀ¢¸À¯ÁUÀÄªÀÅzÀÄ.
18 A. Valuation of Shares
The value of the shares so withdrawn / refunded shall be calculated in the manner
provided in Rule 12 of the rules.
19. ¸ÀzÀ¸Àå£À PÀvÀðªÀåUÀ¼ÀÄ : ¨ÁåAQ£À AiÀiÁgÉÃ ¸Àz¸ À Àå£ÀÄ -
1. ¨ÁåAPÀÄ £Àq¸ É ÀÄwÛgÄÀ ªÀAvÀºÀ §UÉAiÀÄ AiÀiÁªÀÅzÉÃ ªÀåªÀºÁgÀªÀ£ÄÀ ß £Àq¸ É ÀÄwÛgv
À ÀPÌÀ zÀÝ®è;
2. ¸ÁªÀiÁ£ÀåªÁV ¨ÁåAQ£À ¥Àw æ AiÉÆAzÀÄ ¸ÁªÀiÁ£Àå ¸À¨sÉUÉ ºÁdgÁUÀvÀPÌÀ zÀÄÝ. DzÀgÉ, PÀ¼ÉzÀ LzÀÄ
ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À ¥ÉÊQ ªÀÄÆgÀÄ ¸À¨sÉUÀ½UÉ ºÁdgÁUÀÄªÀÅzÀÄ PÀqÁØAiÀÄªÁVgÀvÀPÌÀ zÀÄÝ;
3. ¸ÁªÀiÁ£Àå ¸À¨sÉUÉ ºÁdgÁUÀÄªÀ ªÀÄÄ£Àß ¸À¨sÉAiÀÄ CeÉAqÁ ºÁUÀÆ n¥ÀàtU Â ¼
À À£ÄÀ ß CzsåÀ AiÀÄ£À
ªÀiÁqÀ¨ÉÃPÀÄ
4. ¨ÉÃgÉ ¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À ¸Àz¸ À Àå£ÁVzÀÝ°è ¸Àzj À ªÀiÁ»wAiÀÄ£ÀÄß ¨ÁåAQUÉ w½¸ÀvÀPÌÀ zÀÄÝ;
5. vÀ£ßÀ ªÀÄgÀuÁ £ÀAvÀgÀ ¨ÁåAQ£À°ègÀÄªÀ vÀ£ßÀ µÉÃgÀ£ÀÄß CxÀªÁ AiÀiÁªÀÅzÉÃ EvÀgÀ »vÁ¸ÀQÛAiÀÄ£ÀÄß
¥ÀqA É iÀÄ®Ä £Á«Ä¤AiÀÄ£ÀÄß £ÉÃªÀÄPÀ ªÀiÁqÀvPÀ ÀÌzÀÄÝ;
6. ¸Àz¸ À Àå£ÁzÀ vÀPÀët ¨ÁåAQ¤AzÀ UÀÄgÀÄw£À PÁqÀð£ÀÄß ¥ÀqA É iÀÄvÀPÌÀ zÀÄÝ;
7. vÀ£ßÀ ªÁ¸À¸ÀÜ¼À CxÀªÁ «¼Á¸Àz° À è AiÀiÁªÀÅzÉÃ §zÀ¯ÁªÀuÉAiÀiÁzÀ°è, CAxÀ §zÀ¯ÁªÀuÉAiÀiÁzÀ
ºÀ¢£ÉÊzÀÄ ¢£ÀUÀ¼ÉÆ¼ÀUÁV °TvÀz° À è ¨ÁåAQUÉ w½¸ÀvPÀ ÀÌzÀÄÝ;
8. ¸Àz¸ À ÀåvÀézÀ ºÀPÌÀ £ÀÄß ¥ÀqA É iÀÄ®Ä CUÀvÀåªÁzÀ µÉÃgÀÄ §AqÀªÁ¼ÀzÀ ªÀÄÄR ¨É¯ÉAiÀÄ£ÀÄß ºÉaÑ¹zÀ
¸ÀAzÀ¨Àð s zÀ°è, ¨ÁåAPÀÄ CAxÀ ºÉZÄÀ ª Ñ Àj ªÉÆ§®UÀ£ÄÀ ß ¥ÁªÀw¸À®Ä ¤ÃrzÀ £ÉÆÃnÃ¹£À £ÀAvÀgÀ
¥ÁªÀw¸ÀvPÀ ÀÌzÀÄÝ;
9. ¨ÁåAQ£À »vÀPÌÉ zsÀPÉÌ vÀgÀÄªÀAvÀºÀ AiÀiÁªÀÅzÉÃ PÀÈvÀåªÀ£ÄÀ ß J¸ÀUv À ÀPÌÀ zÀÝ®è;
10. ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è PÁAiÉÄÝAiÀÄ, ¤AiÀÄªÀÄUÀ¼À CxÀªÁ G¥À«¢üU¼ À À G¥À§AzsÀUÀ½UÉ «gÀÄzÀÞªÁzÀ
16
CxÀªÁ ¨ÁåAQ£À »vÀPÌÉ zsÀPÉÌ vÀgÀÄªÀAvÀºÀ AiÀiÁªÀÅzÉÃ ¤tðAiÀÄPÉÌ ¨sÁVzÁgÀ£ÁVgÀvPÀ ÀÌzÀÝ®è.
11. G¥À¤AiÀÄªÀÄUÀ¼À°è ¤UÀ¢¹zÀAvÉ 3 ªÀµð À UÀ¼À CªÀ¢ü¥A À iÀÄðAvÀ C£ÀÄUÀvª À ÁV ¨ÁåAPï £À
¸ÉÃªÉU¼ À À£ÄÀ ß ¥Àq¢
É gÀ¨ÃÉ PÀÄ. ºÁUÉ ªÀiÁqÀ¢zÀÝ°è CAxÀºÀ ¸Àz¸ À ÀågÀÄ ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À°è ºÁUÀÆ
¤zÉðÃ±ÀPÀgÀ ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸À®Ä, GªÉÄÃzÀÄªÁgÀgÁUÀ®Ä, ªÀÄvÀ ¤ÃqÀ®Ä
C£ÀºÀðgÁUÀÄvÁÛgÉ.
19. DUTIES OF A MEMBER : Any member of the bank shall –
1. not engage himself in any activity or business of the kind carried on by the bank;
2. Attend every general meeting of the bank normally. But it shall be mandatory for
him to attend at least three annual general meetings out of the last five annual
general meetings;
3. study the agenda and notes before attending a general meeting,
4. disclose to the bank the fact of his membership in other cooperative societies;
5. nominate a person entitled to get his share or any other interest from the bank on
his death;
6. obtain identity card from the bank immediately on becoming a member;
7. intimate any change in the place of residence or his postal address to the bank
within fifteen days from the date of such change;
8. pay to the bank after receipt of a notice issued by the bank to pay such additional
amount, in the event of increase of the face value of the share capital required for
getting memberhipright;
9. not indulge in any activity detrimental to the interest of the bank;
10.not be a party to a resolution contrary to the provisions of the Act, the rules or the
bye-laws or any resolution which is detrimental to the interest of the bank.
11.utilize such minimum services or facilities every year as may be specified in the
byelaws for a continuous period of three consecutive years. Failing which, such
member shall not have a right to vote in the general meeting and to participate,
contest and vote in the election of the directors.
20. ¸ÀzÀ¸Àå£À ºÀPÀÄÌUÀ¼ÀÄ
¨ÁåAQ£À ªÀåªÀºÁgÀ ªÀÄvÀÄÛ DUÀÄ-ºÉÆÃUÀÄUÀ¼À §UÉÎ w½zÀÄPÉÆ¼ÀÄîªÀ F PÉ¼ÀPÀAqÀ ºÀPÀÄÌUÀ¼ÀÄ EgÀÄvÀÛªÉ;
1. vÀ£ßÀ ªÀ»ªÁlÄUÀ½UÉ ¸ÀA§A¢ü¹zÀAvÉ J®è ªÀiÁ»wUÀ¼À£ÄÀ ß ¥ÀqA É iÀÄ®Ä
2. ¨ÁåAQ£À ¯Á¨sÀ £ÀµÖÀ ªÀgÀ¢, dªÀiÁ-RZÀÄð ªÀÄvÀÄÛ CqsÁªÉ ¥ÀwæPU É ¼À À£ÄÀ ß ¥ÀqÉAiÀÄ®Ä
3. ¨ÁåAQ£À ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è ¨sÁUÀªÀ»¸ÀÄªÀ ªÀÄvÀÄÛ ªÀÄvÀ¤ÃqÀÄªÀ;
4. ¤zÉÃð±ÀPÀgÀ ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¹ ¸Àà¢üð¸ÀÄªÀ ºÁUÀÆ ªÀÄvÀ ¤ÃqÀÄªÀ;
5. vÀ£ßÀ zÉÊ£ÀA¢£À ªÀåªÀºÁgÀzÀ°è vÀ£U À É ¸ÀA§AzsÀ¥ÀlÖAvÉ ¨ÁåAPÀÄ ¤ªÀð»¸ÀÄªÀ ¯ÉPÌÀ ¥ÀÄ¸ÀÛPÀU¼ À À£ÄÀ ß
£ÉÆÃqÀÄªÀ ªÀÄvÀÄÛ vÀvÀìA§Azsz À À ªÀiÁ»w ªÀÄvÀÄÛ ¯ÉPÌÀ UÀ¼À£ÄÀ ß ¥ÀqAÉ iÀÄÄªÀ;
6. ¯Á¨sÀ ºÀAaPÉ ªÀiÁrzÁUÀ, r«qÉAqï ¥ÀqA É iÀÄÄªÀ;
7. PÁAiÉÄÝ §zÀÞ ¯ÉPÀÌ¥Àj±ÉÆÃzs£ À Á ªÀgÀ¢AiÀÄ ¥ÀæwAiÀÄ£ÀÄß ¥ÀqÉAiÀÄÄªÀ;
8. PÁAiÉÄÝ §zÀÞ «ZÁgÀuÁ ªÀÄvÀÄÛ CxÀªÁ ¥Àj«ÃPÀëuÁ ªÀgÀ¢, EzÀÝ°è CzÀgÀ ¥Àw æ AiÀÄ£ÀÄß ¥ÀqÉAiÀÄÄªÀ;
9. ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀ£Á CxÀªÁ «ZÁgÀuÁ CxÀªÁ ¥Àj«ÃPÀëuÁ ªÀgÀ¢UÀ¼À°è PÀAqÀÄ §gÀÄªÀ
17
¯ÉÆÃ¥ÀzÆ É ÃµÀUÀ¼À£ÄÀ ß ¸Àj¥Àr¸À®Ä ªÀÄvÀÄÛ CPÀæªÄÀ UÀ¼À£ÀÄß £ÉÃ¥Àðr¸À®Ä vÉUz É ÀÄPÉÆ¼Àî¨ÉÃPÁzÀ PÀª æ ÀÄªÀ£ÄÀ ß
¸ÀÆa¸ÀÄªÀ;
10. ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ £ÉÆÃnÃ¹£À eÉÆvÉ CeÉAqÁzÀ ¥ÀPæ ÁgÀ ¥Àw æ «µÀAiÀÄPÉÌ ¸ÀA§AzsÀ¥ÀlÖ n¥Ààt,Â
ªÀiÁ»w ªÀÄvÀÄÛ ªÀgÀ¢UÀ¼À ¥Àw æ AiÀÄ£ÀÄß (»A¢£À ¸Á°£À ¸ÁªÀiÁ£Àå ¸ÀÄ sÉ iÀÄ £Àqª À À½ ¸À»vÀ)
¥ÀqAÉ iÀÄÄªÀ ºÁUÀÆ ¸ÁªÀiÁ£Àå ¸À¨sÉ £ÀqA É iÀÄÄªÀ ¸ÀAzÀ¨sÀðzÀ°è J¯Áè ¸Àz¸ À ÀåjUÉ ¤ÃqÀÄªÀ n¥Ààt,Â
ªÀiÁ»w ºÁUÀÆ ªÀgÀ¢UÀ¼À ¥ÀæwAiÀÄ£ÀÄß ¥ÀqÉAiÀÄÄªÀ;
20. RIGHTS OF A MEMBER :
A member of the bank shall have a right to-
1. know about the affairs of the bank, subject to following restrictions;
2. To access data pertaining to his transactions with the bank
3. To obtain Information related to Balance Sheet, audit report, enquiry report, if any
4. participate and vote in the general meeting of the bank;
5. participate, contest and vote in the election of the directors.
6. have access to the books, information and accounts of the bank kept in regular
transaction of its business with him;
7. get dividend on distribution of profit;
8. get a copy of the statutory audit report. get a copy of the statutory inquiry or
inspection report, if any;
9. suggest action to be taken for rectification of the defects and remedying of the
irregularities pointed out in the audit or inquiry or inspection reports;
10.get copies of the notes, information and reports relating to every subject on the
agenda of the notice of the general meeting (including the proceedings of the
previous general meeting) and get copies of the notes, information and reports that
are furnished to the members at the time of conducting general meeting.
21. ¸ÀzÀ¸åÀ £ÀÄ §¼À¹PÉÆ¼Àî¨ÉÃPÁzÀ PÀ¤µÀ× ¸ÉÃªÉUÀ¼ÄÀ CxÀªÁ ¸Ë®¨sÀåUÀ¼ÀÄ:
¨ÁåAPÀÄ MzÀV¸ÀÄªÀAvÉ ¥Àw æ ¸Àz¸ À Àå£ÀÄ §¼À¹PÉÆ¼Àî¨ÃÉ PÁzÀ PÀ¤µÀ× ¸ÉÃªÉUÀ¼À CxÀªÁ ¸Ë®¨sÀåUÀ¼À
¥Àªæ ÀiÁtªÀÅ PÉ¼ÀV£ÀAwgÀvÀPÌÀ zÀÄÝ-
(i) ¸Àz¸
À Àå£ÀÄ ºÉÆA¢gÀvPÀ ÀÌ PÀ¤µÀ× µÉÃgÀÄ §AqÀªÁ¼ÀªÅÀ MAzÀÄ ¸Á«gÀ gÀÆ¥Á¬ÄUÀ¼ÀÄ;
(ii) ¸Àz¸ À Àå£ÀÄ ºÉÆA¢gÀvPÀ ÀÌ PÀ¤µÀ× oÉÃªÀtÂAiÀÄÄ JgÀqÀÄ ¸Á«gÀzÀ LzÀÄ £ÀÆgÀÄ gÀÆ¥Á¬ÄUÀ¼ÀÄ;
ªÉÄÃ¯É w½¹zÀ oÉÃªÀtÂAiÀÄÄ ¸Àz¸ À Àå£ÀÄ ªÀµð À «rÃ ¨ÁåAQ£À°è vÉÆqÀV¹zÀ J¯Áè vÀgº À ÀzÀ oÉÃªÀtÂ (ZÁ°Û
ªÀÄvÀÄÛ G½vÁAiÀÄ ªÀÄvÀÄÛ CªÀ¢ü) UÀ¼À£ÄÀ ß M¼ÀUÉÆAqÀ MlÄÖ ªÉÆvÀÛ DVgÀvPÀ ÀÌzÀÄÝ CxÀªÁ ¸ÀzÀ¸Àå£ÀÄ ¸Á®
¥ÀqAÉ iÀÄ®Ä CUÀvåÀ «zÀÝ°è, ¨ÁåAPÀÄ ¤zsÀðj¹zÀ «ÄwUÉ M¼À¥l À ÄÖ ¸Àz¸ À Àå£À PÉÆÃjPÉAiÀÄ ªÉÆvÀÛ
(iii) ¸Àz¸ À Àå£ÀÄ vÀ£ßÀ ZÁ°Û SÁvÉ CxÀªÁ G½vÁAiÀÄ SÁvÉAiÀÄ°è MAzÀÄ ¸ÀºPÀ ÁgÀ ªÀµð À zÀ°è
£Àq¸É À¨ÉÃPÁzÀ PÀ¤µÀ× ¨ÁåAQAUï ªÀåªÀºÁgÀU¼ À À ¸ÀASÉåAiÀÄÄ ºÀ£ÉßgÀqÄÀ EgÀvPÀ ÀÌzÀÄÝ.
(iv) j¸Àªïð ¨ÁåAPÀÄ ¤ÃrgÀÄªÀ ‘¤ªÀÄä UÁæºÀP£ À À£ÄÀ ß w½¬Äj (PÉ.ªÉÊ.¹)’ ¤zÉÃð±À£Àª£ À ÀÄß
¨ÁåAQ£À ¥Àæw ¸Àz¸ À Àå¤UÉ C£Àé¬Ä¸ÀvPÀ ÀÌzÀÄÝ
21.MINIMUM SERVICES OR FACILITIES TO BE UTIISED BY A MEMBER:
The following shall be the minimum services or facilities to be utilized by each member-
18
1. A member shall have minimum share capital of one thousand rupees;
2. A member shall have minimum deposit of two thousand five hundred rupees;
The deposit mentioned above shall be the aggregate amount of all types of
deposits (demand and time) maintained with the bank throughout the year or if the
member is desirous of availing a loan, the amount of loan requested subject to the
limit fixed by the bank;
3. A member shall have at least 12 operations in a cooperative year in his current or
savings bank account maintained with the bank.
4. The direction issued by the Reserve Bank regarding ‘know your customer (KYC)’
shall be applied to every member of the bank.
22. ¸ÀzÀ¸åÀ vÀé CAvÀåªÁzÀ ªÀåQÛUÀ½AzÀ §gÀ¨ÉÃPÁzÀ ºÀt :
G¥À«¢ü £ÀA:21gÀ°è £ÀªÄÀ Æ¢¹zÀ PÁgÀtUÀ½AzÁV ¸Àz¸ À ÀåvÀé CAvÀåªÁzÀgÉ, ¸ÀzÀ¸ÀåvÀéªÀ£ÄÀ ß PÀ¼ÉzÄÀ PÉÆAqÀª£
À ÀÄ
¥Àzæ sÁ£À ¸Á®UÁgÀ£ÁV CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀ£ÁV ¸Á®ªÀ£ÄÀ ß ¥Àq¢ É zÀÝ°è, ¸Àzj À ¸Á®UÀ¼ÀÄ
¨ÁQAiÀiÁV®è¢zÀÝgÀÆ ¸ÀºÀ F G¥À«¢üU¼ À À°è CxÀªÁ CAvÀºÀ ¸Àz¸ À Àå£ÀÄ ¨ÁåAQUÉ §gÉzÄÀ PÉÆlÖ
PÀgÁgÀÄ ¥ÀvæU À ¼
À À°è K£ÉÃ EzÀÝgÀÆ ¸Àz¸À ÀåvÀé CAvÀåªÁzÀ ¢£ÀªÉÃ CAvÀºÀ ¸Á®UÀ¼À£ÄÀ ß ¥ÀÆtðªÁV
ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀvÀPÌÀ zÀÄÝ.
22. DUES FROM PERSONS WHO CEASE TO BE MEMBERS;
If any person ceasing to be a member of the bank for any of the reasons stated in bye-
law no. 21, has taken any loan from the bank either as a principal debtor or as a surety,
then any loan or a part thereof outstanding against such person and not already become
payable, shall, not withstanding anything contained in these bye-laws or any instrument
executed by such person in favour of the bank, become payable in full on the date of
such cessation.
23. ¸ÀzÀ¸åÀ vÀéPÉÌ gÁfÃ£ÁªÉÄ : -
(1) AiÀiÁªÀ ¸ÀzÀ¸Àå£ÉÃ DUÀ° MAzÀÄ wAUÀ¼À ªÀÄÄ£ÀÆìZ£ À É PÉÆnÖzÝÀ gÉ ºÁUÀÆ ¨ÁåAQUÉ ¸Á®UÁgÀ£ÁV ºÁUÀÆ
eÁ«ÄÃ£ÀÄzÁgÀ£ÁV PÉÆqÀ¨ÃÉ PÁzÀ ¨ÁQ ªÉÆ§®UÀ£ÄÀ ß ¥ÀÆwðAiÀiÁV wÃj¹zÀÝgÉ, DvÀ£ÄÀ ¸ÀzÀ¸ÀåvÀéPÉÌ
gÁfÃ£ÁªÉÄ PÉÆqÀ§ºÀÄzÀÄ.
(2) DvÀ£À gÁfÃ£ÁªÉÄAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄÄ CAVÃPÀj¸ÀvPÀ ÀÌzÀÄÝ. gÁfÃ£ÁªÉÄAiÀÄÄ ªÀÄAqÀ°AiÀÄÄ
CAVÃPÀj¹zÀ ¢£ÁAPÀ¢AzÀ eÁjUÉ §gÀvPÀ ÀÌzÀÄÝ.
¸ÀÆZÀ£É:
«±ÉÃµÀ ¸ÀAzÀ¨sÀðUÀ¼À°è ¨ÁåAPï µÉÃgÀÄ ªÁ¥À¸ÁwUÁV §A¢gÀÄªÀ CfðUÀ¼À£ÄÀ ß ¥ÀÅgÀ¸ÀÌj¸À®Ä
¤gÁPÀj¸À§ºÀÄzÀÄ CxÀªÁ ªÁ¥À¸Áw ªÀiÁqÀ®Ä M¦àzg À ÆÀ µÉÃgÀÄ ºÀtªÀ£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀ®Ä
¤zÉðÃ±ÀPÀ ªÀÄAqÀ°AiÀÄÄ CªÀ¢üAiÀÄ£ÀÄß ¤UÀ¢¥Àr¸À§ºÀÄzÀÄ. DzÀgÆ À AiÀiÁªÀÅzÉÃ MAzÀÄ ªÀµÀðzÀ°è
»A¢gÀÄV ¤ÃqÀÄªÀ µÉÃgÀÄUÀ¼À ªÉÆvÀÛ MlÄÖ µÉÃgÀÄ §AqÀªÁ¼ÀzÀ ±ÉÃPÀqÁ ºÀvÀÛ£ÀÄß «ÄgÀÄªÀAw®è.±ÉÃPÀqÁ
ºÀvÀÛQÌAvÀ ºÉaÑUÉ §AzÀ CfðUÀ¼À£ÄÀ ß ªÀÄÄA¢£À ªÀµÀð DzÀåvÉAiÀÄ ªÉÄÃgÉUÉ ¥ÀjUÀtÂ¸À¨ÉÃPÀÄ.
23. RESIGNATION FROM MEMBERSHIP :
(1) No member shall be permitted to resign his membership unless he has given one
months prior notice and he has completely discharged his liability to the bank both
19
as a borrower and as a surety.
(2) His resignation has been accepted by the board. The resignation shall come into
effect from the date of its acceptance by the board.
NOTE: Under extraordinary conditions, the Bank may refuse to accept the refund
applications or may accept the refund but may defer repayment of share
capital of such members, till such time as decided by the Board of Directors.
However, such refunds should not exceed a ceiling of 10% of the share capital
as on the date of previous 31st March. Share refund applications received
beyond the prescribed 10% limit shall be considered on priority basis during
the next cooperative year.
24. ¸ÀzÀ¸åÀ jUÉ UÀÄgÀÄw£À PÁqÀð£ÀÄß ¤ÃqÀÄªÀÅzÀÄ :

¨ÁåAQ£À ¸Àz¸ À ÀågÀ£ÀÄß UÀÄgÀÄw¸À®Ä C£ÀÄPÀÆ®ªÁUÀÄªÀAvÉ CªÀgÀ ¨sÁªÀavÀæUÀ¼À£ÄÀ ß M¼ÀUÉÆAqÀ UÀÄgÀÄw£À
PÁqÀÄðUÀ¼À£ÄÀ ß ¤ÃqÀ®Ä ªÀÄAqÀ°AiÀÄÄ K¥ÁðqÀÄ ªÀiÁqÀvÀPÌÀ zÀÄÝ.
¥Àæw ¸ÀzÀ¸Àå£ÀÄ EzÀPÉÌ ¨ÉÃPÁzÀµÀÄÖ ¨sÁªÀavÀæUÀ¼À£ÀÄß ¨ÁåAQUÉ ¤ÃqÀvÀPÀÌzÀÄÝ. EAvÀºÀ UÀÄgÀÄw£À PÁqÀÄðUÀ¼À£ÀÄß ¨ÁåAQ£À
¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À°è ªÀÄvÀÄÛ EvÀgÉÃ ¸À¨sÉUÀ¼À°è ¨sÁUÀªÀ»¸À®Ä, ªÀÄAqÀ°AiÀÄ ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸À®Ä,
¸Àà¢üð¸À®Ä ªÀÄvÀÄÛ ªÀÄvÀ ZÀ¯Á¬Ä¸À®Ä ºÁUÀÆ E¤ßvÀgÀ ¨ÁåAQ£À ªÀåªÀºÁgÀUÀ¼À£ÀÄß £ÀqÉ¸À®Ä G¥ÀAiÉÆÃV¹PÉÆ¼ÀîvÀPÀÌzÀÄÝ.
UÀÄgÀÄw£À PÁqïð £À°è F PÉ¼ÀPÀAqÀ «ªÀgÀUÀ¼À£ÀÄß ¤ÃrgÀ¨ÉÃPÀÄ
ºÉ¸ÀgÀÄ, ªÀAiÀÄ¸ÀÄì, °AUÀ, ªÀUÀð(¥Àj²µÀÖ ªÀUÀð/eÁw, »AzÀÄ½zÀªÀUÀð), «¼Á¸À, ¨sÁªÀavÀæ
¸ÀÆZÀ£É :
(J) UÀÄgÀÄw£À PÁqÀÄð ¥ÀqA É iÀÄzÉÃ EzÀÝ ¸Àz¸À ÀågÀÄUÀ¼ÀÄ ¸À¨sÉUÀ¼À°è / ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸ÀÄªÀ ªÀÄvÀÄÛ
ªÀÄvÀ ZÀ¯Á¬Ä¸ÀÄªÀ ºÀPÀÄÌ ºÉÆA¢gÀvPÀ ÀÌzÀÝ®è.
(©) ¨ÁåAPÀÄ PÉÆlÖ UÀÄgÀÄw£À PÁqÀð£ÀÄß PÀ¼ÉzÄÀ PÉÆAqÀ°è, CAvÀºÀ ¸Àz¸ À Àå£ÀÄ ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀ
±ÀÄ®Ìª£À ÀÄß ¥ÁªÀw ªÀiÁr UÀÄgÀÄw£À PÁrð£À ¥Àw æ gÀÆ¥À ¥Àwæ AiÀÄ£ÀÄß ¥Àqz
É ÀÄPÉÆ¼ÀîvÀPÌÀ zÀÄÝ. ¥ÀæwgÀÆ¥À
UÀÄgÀÄw£À PÁqÀð£ÀÄß ¥ÀqÉAiÀÄ®Ä ¸ÁPÀµÀÄÖ PÁ¯ÁªÀPÁ±À«®è¢zÀÝ°è ªÀÄvÀÄÛ ¸ÁªÀiÁ£Àå ¸À¨sÉ CxÀªÁ
ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸ÀÄªÀ vÀÄvÀÄð¹Üw EzÀÝ°è,
¨ÁåAQ£À ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP¤ À AzÀ CAxÀ ¸Àz¸ À Àå£ÀÄ vÁvÁÌ°PÀ UÀÄgÀÄw£À aÃnAiÀÄ£ÀÄß ¥ÀqÉAiÀÄ§ºÀÄzÀÄ.
24. ISSUE OF IDENTITY CARDS TO MEMBERS:
To facilitate easy identification of members of the bank, the board shall arrange to issue
identity cards. The identity cards may contain the following details:
Name in full with address, age, gender, whether belonging to SC/ST, whether belonging
to OBC and photograph
Every member shall supply the required number of photographs for this purpose. Such
identity cards shall be used to enable the members to participate in the general body and
other meetings, to exercise the right to participate in the election of the board, contest
and vote thererin and for doing any other business with the bank.
20
NOTE:
(a) If a member has not obtained the identity card, he shall have no right to participate
in the meetings or election and to contest or vote;
(b) If the identity card is lost, the member may obtain a duplicate card after paying the
fee prescribed by the board.
25. £ÁªÀÄ ¤zÉÃð±À£À :
(1) ¨ÁåAQ£À AiÀiÁgÉÃ ¸Àz¸ À Àå£ÀÄ vÀ£ßÀ ªÀÄgÀuÁ£ÀAvÀgÀ vÀ£U À É §gÀ¨ÉÃPÁzÀ µÉÃj£À ºÀt CxÀªÁ ¯Á¨sÁA±À
CxÀªÁ AiÀiÁªÀÅzÉÃ §UÉAiÀÄ ºÀtªÀ£ÄÀ ß ¥ÀqA É iÀÄ®Ä M§â ªÀåQÛAiÀÄ£ÀÄß CxÀªÁ ªÀåQÛUÀ¼À£ÄÀ ß £ÁªÀÄ¤zÉÃð±À£À
ªÀiÁqÀ§ºÀÄzÀÄ. ¸Àz¸ À Àå£ÀÄ CAvÀºÀ £ÁªÀÄ¤zÉÃð±À£ª À À£ÄÀ ß °TvÀ ªÀÄÆ®PÀ ¤UÀ¢vÀ ±ÀÄ®Ì.UÀ¼À£ÀÄß ¥ÁªÀw
ªÀiÁr DVAzÁUÉÎ §zÀ¯Á¬Ä¸À§ºÀÄzÀÄ. F G¥À«¢üAiÀÄr ªÀiÁrzÀ £ÁªÀÄ¤zÉÃð±À£ÀªÅÀ ¸ÀzÀ¸Àå£ÀÄ
ªÀÄÈvÀ¥ÀlÖ°è PÁAiÀÄðgÀÆ¥ÀPÌÉ §gÀ®Ä;
(J) °TvÀz° À èzÀÄÝ ¸Àz¸ À Àå£ÀÄ E¤ßvÀgÀ E§âgÀÄ ¸ÁQëUÀ¼À ¸ÀªÄÀ PÀëªÀÄzÀ°è ¸À» ªÀiÁrgÀvÀPÌÀ zÀÄÝ;
(©) ¨ÁåAQ£À°è F GzÉÝÃ±ÀPÁÌVAiÉÄÃ EnÖgÄÀ ªÀ jf¸ÀÖj£À°è £ÉÆÃAzÁ¬Ä¹gÀvÀPÌÀ zÀÄÝ.
(2) AiÀiÁgÉÃ ¸Àz¸ À Àå£ÀÄ ªÀiÁrgÀÄªÀ £ÁªÀÄ¤zÉÃð±À£ÀªÅÀ C¹ÛvÀézÀ°èzÀÄÝ, ¨ÁåAQ£À ¥ÀÄ¸ÀÛPÀzÀ°è zÁR¯ÁVzÀÄÝ,
¹AzsÄÀ ªÁVzÀÝg,É DvÀ¤UÉ ¨ÁåAQ¤AzÀ PÉÆqÀ¨ÃÉ PÁzÀ µÉÃgÀÄ ªÀÄvÀÄÛ EvÀgÀ AiÀiÁªÀÅzÉÃ ºÀtªÀ£ÄÀ ß ºÁUÉÃ
£ÁªÀÄ¤zÉÃð±À£À ªÀiÁrzÀ ªÀåQÛ CxÀªÁ ªÀåQÛU½ À UÉ PÉÆqÀvÀPÌÀ zÀÄÝ.
(3) AiÀiÁgÉÃ ¸Àz¸ À Àå£ÀÄ AiÀiÁªÀ £ÁªÀÄ¤zÉÃð±À£ª À À£ÀÆß ªÀiÁqÀ¢zÀÝ ¸ÀAzÀ¨Àð s zÀ°è CxÀªÁ ªÀiÁrgÀ§ºÀÄzÁzÀ
£ÁªÀÄ¤zÉÃð±À£ÀªÅÀ ¹AzsÀÄªÁUÀ¢zÀÝ ¸ÀAzÀ¨Àð s zÀ°è -
(J) ¸ÀzÀ¸Àå£À µÉÃgÀÄ ªÉÆUÀ®UÀÄ ªÀÄvÀÄÛ ¨ÁåAQ¤AzÀ §gÀÄªÀ EvÀgÀ ¨ÁQ ªÀÄÄAvÁzÀªÅÀ UÀ¼À MlÄÖ ªÉÆvÀÛ
MAzÀÄ ®PÀë gÀÆ¥Á¬ÄUÀ½UÉ «ÄÃgÀ¢zÀÝ ¸ÀAzÀ¨Àð s zÀ°è, ªÀÄÈvÀ ¸Àz¸ À Àå£À ªÁgÀ¸ÀÄzÁgÀgÀÄ CxÀªÁ «¢ü§zÀÞ
¥Àw
æ ¤¢üU¼ À ÀÄ JAzÀÄ ¥Àª æ ÀiÁtÂPj À ¸ÀÄªÀ zÁR¯ÉUÀ¼À£ÀÄß ¸À°è¹zÀ°è J®è ªÁgÀ¸ÀÄzÁgÀgÀÄ ¸À» ªÀiÁrgÀÄªÀ
ºÁUÀÆ ¨sz À v Àæ ÉUÁV E§âgÀÄ eÁ«ÄÃ£ÀÄzÁgÀgÀÄÀ ¸À» ªÀiÁrgÀÄªÀÀ £ÀµÖÀ ¨sw
À ð ¥ÀvæÀ (EAqÉ«Äßn
¨ÁAqï)ªÀ£ÄÀ ß ¥Àqz É ÀÄ D ªÉÆ§®UÀ£ÄÀ ß ¥ÁªÀw ªÀiÁqÀ§ºÀÄzÀÄ.
(©) ªÀÄÈvÀ£ÁzÀ ¸Àz¸ À Àå¤UÉ ¨ÁåAQ¤AzÀ PÉÆqÀ¨ÃÉ PÁVzÀÝ µÉÃgÀÄ ªÉÆ§®UÀÄ ªÀÄvÀÄÛ EvÀgÉ AiÀiÁªÀÅzÁzÀgÀÆ
ºÀtzÀ ªÉÆvÀÛªÀÅ MAzÀÄ ®PÀë gÀÆ¥Á¬ÄUÀ½UÉ «ÄÃjzÀÝ ¸ÀAzÀ¨Àð s zÀ°è, CAvÀºÀ ªÀÄÈvÀ¸Àz¸ À Àå£À ¥Àgª À ÁV
ºÀtªÀ£ÄÀ ß ¥ÀqA É iÀÄ®Ä ªÀÄÄAzÉ §AzÀªg À ÄÀ vÁªÀÅ D ºÀtPÉÌ GvÁÛgÁ¢üPÁj / ªÁgÀ¸ÀÄzÁgÀ JAzÀÄ CºÀð
PÉÆÃnð¤AzÀ ªÁgÀ¸ÀÄzÁjPÉ / GvÀÛgÁ¢üPÁgÀ ¥Àª æ ÀiÁt¥ÀvÀæª£À ÀÄß ºÁdgÀÄ¥Àr¹ ¸Á©ÃvÀÄ ¥Àr¹zÁUÀ
ªÀiÁvÀæªÃÉ D ºÀtªÀ£ÄÀ ß PÉÆqÀvPÀ ÀÌzÀÄÝ.
n¥ÀàtÂ: ªÀÄÈvÀ ¸Àz¸ À Àå£ÀÀ ¥ÀgÀªÁV ºÀtªÀ£ÄÀ ß ¥ÀqA É iÀÄ®Ä §AzÀ £Á«Ä¤ / £Á«Ä¤UÀ¼ÀÄ CxÀªÁ
ªÁgÀ¸ÀÄzÁgÀgÀÄ CxÀªÁ «¢ü§zÀÞ ¥Àw æ ¤¢üU¼ À ÀÄ G¥À«¢ü ¸ÀASÉå 16 ªÀÄvÀÄÛ 17gÀ ¥ÀPæ ÁgÀ ¸Àz¸ À ÀågÁUÀ®Ä
CºÀðvÉ ¥Àq¢ É zÀÝ°è, CªÀg£ À ÀÄß ¨ÁåAQ£À ¸ÀzÀ¸ÀågÀ£ÁßV ¸ÉÃj¹PÉÆ¼Àî§ºÀÄzÀÄ. £Á«Ä¤UÀ¼ÀÄ/GvÀÛgÁ¢üPÁjUÀ¼ÀÄ,
¨ÁåAPï £À¸Àz¸ À ÀågÁUÀ®Ä C£ÀºÀðgÁVzÀÝ°è, CªÀgÀ£ÀÄß PÀ¤µÀÖ £ÁªÀÄ ¤zÉðÃ²vÀ ¸Àz¸ À ÀågÀ£ÁßV ªÀiÁrPÉÆAqÀÄ
F ¸ÀzÀ¸ÀåvÀé PÀ¤µÀÖ 12 ªÀµð À UÀ¼À PÁ® HfðvÀªÁVgÀ¨ÉÃPÀÄ.
AiÀiÁªÀÅzÉÃ ¸ÀzÀ¸Àå£ÀÄ £ÁªÀÄ ¤zÉðÃ±À£ª À ÀiÁqÀ®Ä D¸ÀPÛÀ£ÁV®è¢zÀÝ°:è
1. vÀ£ßÀ ªÀÄgÀuÁ£ÀAvÀgÀ vÀ£U À É §gÀ¨ÉÃPÁzÀ µÉÃj£À ºÀt CxÀªÁ ¯Á¨sÁA±À CxÀªÁ AiÀiÁªÀÅzÉÃ §UÉAiÀÄ
ºÀtªÀ£ÄÀ ß ¥ÀqA É iÀÄ®Ä M§â ªÀåQÛAiÀÄ£ÀÄß CxÀªÁ ªÀåQÛUÀ¼À£ÄÀ ß £ÁªÀÄ¤zÉÃð±À£ ªÀiÁqÀ®Ä D¸ÀQÛ
E®èªÉAzÀÄ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ °TvÀ ºÉÃ½PÉAiÀÄ£ÀÄß ¸À°è¸À¨ÉÃPÀÄ.
2. ¸Àz¸ À Àå£ÀÄ vÁ£ÀÄ AiÀiÁªÁUÀ £ÁªÀÄ¤zÉðÃ±À£À ªÀiÁqÀ®Ä ¹zÀÞ¤gÀ§ºÀÄzÀÄ JAzÀÄ ¸ÀÆa¸À§ºÀÄzÀÄ
21
3. ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ CAvÀºÀ ºÉÃ½PÉU¼ À À£ÄÀ ß ¥Àv
æ ÉåÃPÀ PÀqv
À Àz°
À èj¸À¨ÉÃPÀÄ ºÁUÀÆ ¥Àæw ªÀµðÀ
dÆ£ï wAUÀ½£À°è CAvÀºÀ J®è ¸Àz¸ À ÀåjUÉ £ÁªÀÄ¤zÉðÃ±À£À ªÀiÁqÀÄªÀAvÉ PÉÆÃjPÉ ¥ÀvæÀª£ À ÀÄß
PÀ¼ÀÄ»¸À¨ÉÃPÀÄ.
25. NOMINATION :
(1) A member of the bank may nominate a person or persons to whom, in the event of
his death, his share and other dues from the bank may be paid. A nomination made by a
member under this bye-law shall be validif
(a) it is made in writing and is signed by the member in the presence of atlest two
witnesses; and
(b) it is registered in the books of the bank kept for the purpose.
(2) If the nomination made by a member subsists, is recorded in the books of the bank
and is valid, the share and other dues payable to the deceased member shall be paid by
the bank to the person or persons so nominated as per clause (1) above.
(3) If no nomiation is made or if the nomination so made is not valid.
(a) if the aggregate of share amount and other dues payable by the bank does not exceed
Rupees One Lakh, such amount shall be paid to the legal heirs on production of
satisfactory proof and an indemnity bond signed by all the legal heirs along with two
sureties.
(b) if the aggregate dues payable to the deceased member exceeds Rs. One lakh, the
dues shall be paid to the legal heirs only when they produce succession / heirship
certificate from the competent court.
NOTE: The nominee / nominees or the legal heirs or the legal representatives of the
deceased who claiming the dues shall be admitted as members of the bank, if such
persons are eligible to become members of the bank as per bye-law No. 16 & 17.
If the nominees/legal heirs are not eligible to be the members of the Bank, they will be
admitted atleast as Nominal Members who shall continue to be nominal members for a
period of atleast 12 years from the date of claiming the amount.
When a member is not interested in making a nomination:
1. The member shall submit a letter to the CEO stating that he is not nominating any
person for claiming his share and other dues from the bank, in the event of his
death of the Member.
2. The member may indicate as to when he is likely to make a nomination
3. The CEO will maintain such letters in a separate file and record the same in a
separate register.
4. The CEO shall, remind such members, in writing, once in a year during the period
1st June to 30th June, to reconsider and make a nomination on their behalf.
26. ªÀÄÈvÀ ¸ÀzÀ¸åÀ £À »vÁ¸ÀQÛ ªÀÄvÀÄÛ ºÉÆuÉUÀ¼À ªÀUÁðªÀuÉ :
(1) AiÀiÁgÉÃ ªÀÄÈvÀ ¸Àz¸ À Àå£À »vÁ¸ÀQÛ ºÉÆuÉU¼ À À£ÄÀ ß ¸ÀºPÀ ÁgÀ PÁ¬ÄzÉAiÀÄ PÀ®A 24 ªÀÄvÀÄÛ 25gÀ jÃvÁå
EvÀåxÀð ¥Àr¸ÀvPÀ ÀÌzÀÄÝ.
22
(2) ¸ÀzÀ¸Àå£ÀÄ ªÀÄÈvÀ£ÁzÀ ªÀiÁ»w vÀ®Ä¦zÀ ªÀÄÆgÀÄ wAUÀ¼ÉÆ¼ÀUÁV £ÁªÀÄ¤zÉÃð²vÀjAzÀ µÉÃgÀÄ
»AwgÀÄV¸ÀÄ«PÉ / ªÀUÁðªÀuÉUÁV Cfð ¨ÁgÀzÉ EzÀÝ°è CxÀªÁ £ÁªÀÄ¤zÉÃð²vÀgÃÉ E®è¢zÀÝ°è CxÀªÁ
ºÀPÄÀ ÌzÁgÀgÉÃ E®è¢zÀÝ°è ¨ÁåAQUÉ ªÀÄÈvÀ ¸Àz¸ À Àå¤AzÀ §gÀ¨ÉÃPÁzÀ J¯Áè ¨ÁQAiÀÄ£ÀÄß ºÉÆAzÁtÂPÉ
ªÀiÁrPÉÆAqÀ ªÉÄÃ¯É G½zÀ ºÀtªÀ£ÄÀ ß “CªÀiÁ£ÀvÄÀ Û SÁvÉ’’ (Suspense Account)UÉ ªÀUÁðªÀuÉ
ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
(3) ªÀÄÈvÀ ¸Àz¸ À Àå£À µÉÃgÀÄ ªÀUÁðªÀuÉUÁV ºÀPÄÀ ÌzÁgÀ£ÄÀ ¸À°è¸v À ÀPÌÀ Cfð vÀ®Ä¦zÀ 30 ¢£ÀUÀ¼À
CªÀ¢üAiÉÆ¼ÀUÁV ªÀÄAqÀ°AiÀÄ ªÀÄÄA¢qÀvÀPÌÀ zÀÄÝ. ªÀÄAqÀ°AiÀÄÄ F §UÉÎ ¸ÀjAiÉÄ¤¹zÀ°è ºÀPÄÀ ÌzÁgÀ£ÄÀ
FUÁUÀ¯ÉÃ ¨ÁåAQ£À ¸ÀzÀ¸Àå£ÁVzÀÝgÉ, DvÀ¤UÉ ªÀÄÈvÀ£À J¯Áè µÉÃgÀÄUÀ¼À£ÄÀ ß ªÀUÁð¬Ä¸ÀvPÀ ÀÌzÀÄÝ.
(4) £ÁªÀÄ¤zÉÃð²vÀ ºÀPÄÀ ÌzÁgÀ£ÀÄ ¸Àz¸ À Àå£ÁVgÀ¢zÀÝ°è, DvÀ£ÄÀ G¥À«¢ü 16 ªÀÄvÀÄÛ 17gÀ ¥ÀPæ ÁgÀ
¸Àz¸ À Àå£ÁUÀ®Ä CºÀðvÉAiÀÄ£ÀÄß ¥Àq¢ É zÀÝgÉ, DvÀ£À£ÀÄß ¸Àz¸ À Àå£À£ÁßV ¸ÉÃj¹PÉÆAqÀÄ, ªÀÄÈvÀ ¸Àz¸
À Àå£À
µÉÃgÀÄUÀ¼À£ÄÀ ß DvÀ¤UÉ ªÉÄÃ°£À RAqÀ (3)gÀ ¥ÀæPÁgÀ ªÀUÁðªÀuÉ ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
(5) M§â¤VAvÀ ºÉZÀÄÑ £ÁªÀÄ¤zÉÃð²vÀjzÀÝgÉ CxÀªÁ AiÀiÁªÀ £ÁªÀÄ¤zÉÃð²vÀgÀÆ E®è¢zÀÝ°è CxÀªÁ
M§â¤VAvÀ ºÉZÀÄÑ ºÀPÄÀ ÌzÁgÀjzÀÝgÉ, ªÀUÁðªÀuÉ CfðAiÀÄ°è J¯Áè £ÁªÀÄ¤zÉÃð²vÀgÀ CxÀªÁ ºÀPÄÀ ÌzÁgÀgÀ
¸À»AiÀiÁVgÀvPÀ ÀÌzÀÄÝ CxÀªÁ C¥Áæ¥ÛÀ ªÀAiÀÄ¸ÀÌjzÀÝgÉ CªÀg° À è AiÀiÁjUÉ JµÀÄÖ µÉÃgÀÄUÀ¼À£ÀÄß
ªÀUÁð¬Ä¸À¨ÉÃPÉAzÀÄ D CfðAiÀÄ°è ¸ÀàµÖÀªÁV £ÀªÄÀ Æ¢¸ÀvPÀ ÀÌzÀÄÝ.
(6) ªÀÄÈvÀ£À J¯Áè µÉÃgÀÄUÀ¼À£ÄÀ ß ªÀUÁðªÀuÉ ªÀiÁqÀzÃÉ ¨sÁUÀ±À: ªÀUÁð¬Ä¹zÀ°è ªÉÄÃ°£À RAqÀ(3)gÀ
¥ÀPæ ÁgÀ ªÀUÁðªÀuÉ ªÀiÁqÀzÀ µÉÃj£À ªÉÆ§®UÀ£ÄÀ ß ¸ÀºPÀ ÁgÀ PÁAiÉÄÝAiÀÄ 24£ÉÃ PÀ®A£À°è «ªÀj¹gÀÄªÀAvÉ
«¯ÉÃªÁj ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
26. TRANSFER OF INTEREST AND LIABILITIES ON THE DEATH OF A
MEMBER :
(1) The interest and liability of a deceased member of the bank shall be dealt with
according to the provisions of section 24 and 25 of the Act.
(2) If within three months from the date of receipt of reliable information about the
death of a member, no application for transfer / refund of his shares is received from the
nominee or any claimant or if there is no nominee, the board, after deducting all sums
due to the bank by the deceased out of the amounts payable to him by the bank shall
transfer the balance, if any, to the “Suspense Account’’.
(3) The application for transfer of the shares of the deceased shall be placed before the
board within 30 days from the date of its receipt. The board on being satisfied as to the
validity of the claim, may, if the claimant is already a member of the bank, transfer to
him any of the shares held by the deceased.
(4) If the nominee / claimant is not already a member and if found eligible to becom a
member of the bank as per bye-law no.16 and 17, he shall be admitted as a member and
the shares shall be transfered to him in terms of bye-law no. 23(3).
(5) Where there are more than one nominee or in the absence of any nominee, there are
more than one heir, the application shall be signed by all such nominees or heirs as the
case may be or if there are minors, the application shall state in each case which of them
should get the shares by transfer and to what extent.
23
(6) If the shares are partially transferred or the shares not transfered under clause (3)
above, the shares which remain untransfered shall be disposed of as per section 24 of the
Act.
27. ¸ÀzÀ¸ÀågÀ dªÁ¨ÁÝj ªÀÄvÀÄÛ ºÉÆuÉUÁjPÉUÀ¼ÀÄ :
¨ÁåAPÀÄ ¸ÀªiÀ Á¥À£ÉUÉÆAqÀ ¸ÀAzÀ¨Àð s zÀ°è, ¥ÀæwAiÉÆ§â ¸Àz¸ À Àå£À ºÉÆuÉUÁjPÉAiÀÄÄ DvÀ£ÄÀ ºÉÆA¢gÀÄªÀ µÉÃj£À
ªÉÆvÀÛPÉÌ ¹Ã«ÄvÀªÁVgÀvÛÀPÀÌzÀÄÝ.
27. LIABILITIES AND RESPONSIBILITIES OF MEMBERS:
The liability of each member on liquidation of the bank shall be limited to the value of
shares held by him.
28. eÁ«ÄÃ£ÀÄzÁgÀ£À ºÉÆuÉUÁjPÉ :
(1) AiÀiÁgÉÃ eÁ«ÄÃ£ÀÄzÁgÀ£ÄÀ ¸Á®UÁgÀ£ÀµÖÉ ¨ÁåAQ£À ¸Á®zÀ ºÀtPÉÌ ºÉÆuÉUÁgÀ£ÁVgÀvPÀ ÀÌzÀÄÝ.
(2) eÁ«ÄÃ£ÀÄzÁgÀ£ÄÀ eÁ«ÄÃ£ÀÄ PÉÆqÀÄªÀ ªÀÄÄ£Àß ¸Á®UÁgÀ£À DyðPÀ ¹Üw, ¸Á®zÀ GzÉÝÃ±À ªÀÄvÀÄÛ ¸Á®
wÃj¸ÀÄªÀ
±ÀQÛ EªÀÅUÀ¼À §UÉÎ w½zÀÄPÉÆ¼ÀîvÀPÀÌzÀÄÝ.
(3) AiÀiÁªÀÅzÉÃ ¸Àz¸ À Àå¤AzÀ ¨ÁåAQUÉ §gÀ¨ÉÃPÁzÀ ¨ÁQ ºÀtªÀ£ÄÀ ß £ÁåAiÀiÁ®AiÀÄzÀ rQæ ªÀÄÆ®PÀ ªÀ¸ÀÆ°
ªÀiÁrzÀgÉ
CAvÀºÀ ¸Àz¸ À Àå£ÀÄ ¸Á® wÃgÀÄªÀ½AiÀiÁzÀ ¢£ÁAPÀ¢AzÀ DgÀÄ wAUÀ¼Àªg À U
É É ¸Á® ¥ÀqA
É iÀÄ®Ä ªÀÄvÀÄÛ
EvÀgÀ ¸ÀzÀ¸ÀåjUÉ
AiÀiÁªÀÅzÉÃ jÃwAiÀÄ®Æè eÁ«ÄÃ£ÀÄzÁgÀ£ÁV ¤®è®Ä C£Àºð À £ÁVgÀvPÀ ÀÌzÀÄÝ.
28. SURETY’S LIABILITY
(1) A surety shall be liable as equally as a borrower in respect of loans taken from the
bank.
(2) A surety shall be aware of the financial status, purpose of the loan and repaying
capacity of the borrower before standing as surety.
(3) If the dues of a member are recovered through the execution of a decree of the
Court, such a member shall not be eligible either to borrow or to stand as surety to other
members for a period of FIVE YEARS from the date of closure of the loan account.
29. »A¢£À ¸ÀzÀ¸Àå£À ºÉÆuÉUÁjPÉ ªÀÄvÀÄÛ ªÀÄÈvÀ ¸ÀzÀ¸Àå£À D¹ÛAiÀÄ ºÉÆuÉUÁjPÉ :
»A¢£À ¸Àz¸ À Àå£À ªÀÄvÀÄÛ ªÀÄÈvÀ ¸Àz¸ À Àå£À D¹ÛAiÀÄ ºÉÆuÉUÁjPÉAiÀÄÄ PÁAiÉÄÝAiÀÄ 25£ÉÃ PÀ®AUÉ M¼À¥n À ÖgÀÄvÀÛzÉ.
¸Àz¸À Àå¤AzÀ PÁ®PÁ®PÉÌ §gÀvÀPÌÀ J¯Áè ¨ÁQ ªÉÆ§®VUÀÆ ¸Àz¸ À Àå£ÀÄ ºÉÆA¢gÀvÀPÌÀ µÉÃgÀÄ, r«qÉAqï ªÀÄvÀÄÛ
oÉÃªÀtÂUÀ¼À ªÉÄÃ¯É ¨ÁåAQUÉ ¥Àx æ ÀªÄÀ ºÀPÄÀ Ì EgÀvÀPÌÀ zÀÄÝ. ¸Àz¸ À Àå¤AzÀ §gÀvPÀ ÀÌ ¨ÁQ ºÀtzÀ ¸À®ÄªÁV CªÀ¤UÉ
¸ÀAzÁAiÀÄªÁUÀ¨ÉÃPÁzÁUÀ ªÉÆ§®UÀ£ÄÀ ß ºÉÆAzÁtÂPÉ ªÀiÁrPÉÆ¼ÀÄîªÀ C¢üPÁgÀªÀÇ ¨ÁåAQUÉ EgÀvPÀ ÀÌzÀÄÝ.
29. LIABILITY OF A PAST MEMBER AND THE ESTATE OF A DECEASED
MEMBER :
The liability of a past member and the estate of a deceased member shall be governed by
section 25 of the Act. The bank shall have a right of first charge on the member’s share
amount, dividend and deposits in respect of any dues from the member. The bank shall
have a right to adjust the amounts payable to a member towards his dues.
24
30. ¸ÀzÀ¸ÀågÀ jf¸ÀÖgï : ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀ jÃwAiÀÄ°è ¨ÁåAPÀÄ ¥Àw æ ¸ÀºPÀ ÁgÀ ªÀµð À zÀ PÉÆ£ÉAiÀÄ
¢£ÀzÀAzÀÄ EgÀÄªÀAvÉ vÀ£ßÀ ¸Àz¸ À ÀågÀÄUÀ¼À MAzÀÄ ¥ÀnÖAiÀÄ£ÀÄß ¹zÀÝ¥r À ¸ÀvPÀ ÀÌzÀÄÝ. ¸Àz¸
À ÀågÀÄUÀ¼À ¥ÀnÖAiÀÄ£ÀÄß
ªÀÄAqÀ°AiÀÄ ZÀÄ£ÁªÀuÉAiÀÄ ¢£ÁAPÀPÌÉ ºÀ¢£ÉÊzÀÄ ¢ªÀ¸À ªÀÄÄAavÀªÁV ¥ÀjµÀÌj¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ ¸Àzj À
¥ÀnÖAiÀÄ£ÀÄß F »AzÉ ¥ÀjµÀÌj¸À¯ÁzÀ ¢£ÁAPÀ¢AzÀ »rzÀÄ ¥ÀnÖAiÀÄ£ÀÄß ¥ÀjµÀÌj¸À¯ÁzÀ ¢£ÁAPÀzÀAzÀÄ
PÉÆ£ÉUÆ É ¼ÀÄîªÀ CªÀ¢üAiÀÄªÀgÉUÉ ºÉÆ¸ÀzÁV ¸ÉÃj¸À®àlÖ ¸Àz¸ À ÀågÀÄUÀ¼À£ÄÀ ß ¸ÉÃj¹ ¸Àzj À CªÀ¢üAiÀÄ°è
vÉUzÉ ÀÄºÁPÀ¯ÁzÀ ¸ÀzÀ¸ÀågÀ ºÉ¸ÀgÀÄUÀ¼À£ÄÀ ß ºÉÆgÀvÀÄ ¥Àr¸ÀvPÀ ÀÌzÀÄÝ.
30. REGISTER OF MEMBERS : The bank shall prepare a list of members in the
manner prescribed by the board as on the last day of each co-operative year. The list of
members shall be revised on the 15th day prior to the date of the general meeting or the
date of election of the board of the bank, and shall include members admitted and
exclude members removed during the period commencing from the date when the list
was last revised ending with the date of the revision of the list.
31. ¸ÀzÀ¸ÀågÀ «¼Á¸À : ¸Àz¸ À ÀågÀ£ÁßV ¸ÉÃj¹PÉÆAqÀ ¥Àw æ ªÀåQÛAiÀÄ ºÉ¸ÀgÀÄ ªÀÄvÀÄÛ «¼Á¸Àª£ À ÀÄß CªÀgÀ
CfðAiÀÄ°è EgÀÄªÀAvÉAiÉÄÃ ¸Àz¸ À ÀågÀ jf¸ÀÖj£À°è zÁR®Ä ªÀiÁrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ.
«¼Á¸Àz° À è F ªÉÄÊ¯ï, zÀÆgÀªÁtÂ ¸ÀASÉå, ªÉÆ¨ÉÊ¯ï ¸ÀASÉå ªÀÄvÀÄÛ ¥sÁåPïì ¸ÀASÉåUÀ¼À£ÀÄß M¼ÀUÉÆArgÀ¨ÃÉ PÀÄ.
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ ¸ÀzÀ¸ÀågÀÄ §gÉzÀÄ w½¹zÀ J¯Áè «¼Á¸ÀzÀ §zÀ¯ÁªÀuÉAiÀÄ£ÀÄß ªÉÄÃ¯É ºÉÃ½zÀ
jf¸ÀÖj£À°è zÁR®Ä ªÀiÁqÀvPÀ ÀÌzÀÄÝ. ¸Àz¸ À ÀåjUÉ PÀ¼ÀÄ»¹zÀ J¯Áè ªÀÄÄ£ÀÆìZÀ£É ¥ÀvæU À ¼À À£ÄÀ ß CªÀgÀ
zÁR°¹gÀÄªÀ «¼Á¸ÀPÉÌ PÀ¼ÀÄ»¹zÀ°è ªÀÄvÀÄÛ CzÀPÉÌ C¢üPÀÈvÀªÁzÀ zÁR¯ÉUÀ½zÀÝ°è, CªÀÅ ¸ÀzÀ¸ÀåjUÉ
vÀ®Ä¦¸À®ànÖªÉ JAzÀÄ ¨sÁ«¸ÀvPÀ ÀÌzÀÄÝ. F G¥À¤AiÀÄªÀÄPÉÌ ¸ÀA§A¢ü¹zÀAvÉ F ªÉÄÊ¯ï ªÀÄÆ®PÀ
PÀ¼ÀÄ»¸À¯ÁzÀ J®è jÃwAiÀÄ ¥ÀvæU À ¼
À ÀÄ ªÀÄvÀÄÛ EvÀgÀ zÁR¯ÉUÀ¼À£ÄÀ ß ¸ÀÆPÀÛªÁV gÀªÁ¤¸À¯ÁVzÉ JAzÀÄ
¥ÀjUÀtÂ¸À¯ÁUÀÄvÀÛzÉ.
31. ADDRESS OF THE MEMBERS :
The name and address of every person admitted as a member as recorded in his
application shall be entered in the register of members. Address shall include details
such as email IDs, telephone nos. mobile nos. fax nos.
All changes in the address intimated to the Chief Executive in writing by the members
shall be similarly entered in the said register. All notices to the members shall be
deemed to have been properly served on them if they are sent to the address of the
members recorded in the said register and there are valid documents for having sent the
notices. For the purposes of this section, communications sent through email, shall also
be deemed to have been properly served.
32. ¸ÀzÀ¸ÀåjUÉ G¥À«¢üUÀ¼À ¥ÀæwUÀ¼À£ÀÄß MzÀV¸ÀÄªÀÅzÀÄ : ¥Àw æ ¸Àz¸
À Àå£ÀÄ C¥ÉÃPÉë¥ÀlÖ°è G¥À«¢üU¼ À À ¥Àw æ AiÀÄ£ÀÄß
ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢ªÀiÁqÀÄªÀ ¨É¯ÉUÉ CªÀ¤UÉ MzÀV¸ÀvPÀ ÀÌzÀÄÝ.
32. SUPPLY OF BYE-LAW COPIES TO MEMBERS: Every member shall be
furnished on request a copy of the bye-laws at the price to be fixed by the board.
33. µÉÃgÀÄUÀ¼À, oÉÃªÀtÂUÀ¼À ªÀÄvÀÄÛ ¯Á¨sÁA±ÀUÀ¼À ªÉÄÃ¯É zsÁgÀuÁ¢üPÁgÀ :
¨ÁåAPÀÄ J¯Áè ¸Àz¸ À ÀågÀ µÉÃgÀÄUÀ¼À, oÉÃªÀtÂUÀ¼À ªÀÄvÀÄÛ r«qÉAqÀÄUÀ¼À ªÉÄÃ¯É ¥ÀæxÀªÄÀ ªÀÄvÀÄÛ ¸ÀªÉÇÃðvÀÌøµÀÖªÁzÀ
zsÁgÀuÁ¢üPÁgÀªÀ£ÄÀ ß ºÉÆA¢gÀvÀPÌÀ zÀÄÝ. ¸Àz¸ À ÀåjAzÀ PÁ®PÁ®PÉÌ §gÀvÀPÌÀ J¯Áè ¨ÁQUÀ¼À ªÀ¸ÀÆ°AiÀÄ ¸À®ÄªÁV
25
¥Àx
æ ÀªÄÀ ºÀPÀÄÌ ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
33. LIEN ON SHARES, DEPOSITS AND DIVIDENDS :
The bank shall have the first and paramount lien and charge on all shares, deposits and
dividend of the members and shall also have the first charge for the recovery of all its
dues from the members from time to time.
34. ¸ÀºÀ ¸ÀzÀ¸åÀ gÀÄ -
¸ÀºÀ ¸ÀzÀ¸ÀåjUÉ F G¥À¤AiÀÄªÀÄUÀ¼ÀrAiÀÄ°è F PÉ¼ÀPÀAqÀªÀÅUÀ¼À£ÀÄß ºÉÆgÀvÀÄ¥Àr¹ ¸ÀzÀ¸ÀåjUÉ C£ÀéAiÀÄªÁUÀÄªÀ J¯Áè
¤AiÀÄªÀÄUÀ¼ÀÄ C£ÀéAiÀÄUÉÆ¼ÀÄîvÀÛªÉ :
 ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À°è ªÀÄAqÀ°UÉ ¤zÉðÃ±ÀPÀgÀ£ÀÄß ZÀÄ£Á¬Ä¸ÀÄªÀ ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸À®Ä,
ªÀÄvÀºÁPÀ®Ä CxÀªÁ D §UÉÎ £ÉÆÃn¸À£ÄÀ ß ¥ÀqA É iÀÄ®Ä;
 ¨ÁåAQ£À ªÁ¶ðPÀ ªÀgÀ¢, D¹Û ºÉÆuÉ¥n
À Ö ªÀÄvÀÄÛ EvÀgÉ DyðPÀ vÀSÉÛUÀ¼À£ÀÄß ¥ÀqA
É iÀÄ®Ä ºÀPÀÄÌ
EgÀÄªÀÅ¢®è;
 ¨ÁåAQ£À DqÀ½vÀz° À è / ªÀåªÀ¸ÁÜ¥£ À ÉAiÀÄ°è ¨sÁUÀªÀ»¸À®Ä / ¥ÀzÁ¢üPÁjAiÀiÁUÀ®Ä ºÀPÀÄÌ EgÀÄªÀÅ¢®è;
34. Associate Members
All conditions applicable to the Members shall be applicable to the Associate Members,
except for the following:
 Associate Members shall not receive notice, shall not participate and shall not
vote in the general meetings and election to the board
 Associate Members shall not receive copies of the annual report, profit & loss
account and balance sheet and other financial statements
 Associate Members shall not participate in the management of the bank
35.£ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸Àå. £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀågÀ ºÀPÀÄÌ ªÀÄvÀÄÛ ºÉÆuÉUÁjPÉ :
1. 18 ªÀµÀðPÉÌ «ÄÃjzÀ AiÀiÁªÀ ªÀåQÛAiÉÄÃ DUÀ° ªÀÄvÀÄÛ PÁAiÉÄÝ PÀ®A 21.J(1)© ¥ÀæPÁgÀ ¸ÀA¸ÁÜgÀÆ¥ÀzÀ ªÀåQÛ
¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ ªÁå¦ÛAiÀÄ°è ªÁ¹¸ÀÄwÛzÀÝ°è CAvÀºÀªÀgÀ£ÀÄß ¨ÁåAQ£À ªÀÄAqÀ°AiÀÄÄ £ÁªÀÄªÀiÁvÀæ
¸ÀzÀ¸ÀågÀ£ÁßV ¸ÉÃj¹PÉÆ¼Àî§ºÀÄzÀÄ.
2. ¨ÁåAQ£À »vÀzÀÈ¶×¬ÄAzÀ F PÉ¼ÀPÀAqÀªÀgÀ£ÀÄß ªÀÄAqÀ°AiÀÄÄ £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀågÀ£ÁßV ¸ÉÃj¹PÉÆ¼ÀîvÀPÀÌzÀÄÝ.
 ¨ÁåAQ£À ¦Vä KeÉAlgÀÄ
 ¨ÁåAQ£À D¹ÛUÉ ¸ÀA§AzsÀ¥ÀlÖ ¹«¯ï, «zÀÄåZÀÒQÛ ªÀÄvÀÄÛ EvÀgÀ PÉ®¸ÀUÀ¼À£ÀÄß
¤ªÀð»¸ÀÄªÀ UÀÄwÛUÉzÁgÀgÀÄ ªÀÄvÀÄÛ ¸ÀgÀ§gÁdÄzÁgÀgÀÄ.
 ¨ÁåAQ£À MqÀªÉUÀ¼À UÀÄtªÀÄlÖ ¥ÀjÃPÀëPÀgÀÄ, ªÀiË®åªÀiÁ¥ÀPÀgÀÄ, PÁ£ÀÆ£ÀÄ
¸À®ºÉUÁgÀgÀÄ, DAvÀjPÀ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀÄ ªÀÄvÀÄÛ ¨ÁåAQ£ÉÆqÀ£É ªÀåªÀºÁgÀUÀ¼À£ÀÄß¼Àî
E¤ßvÀgÀgÀÄ.
3. £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀåvÀé PÉÆÃgÀÄªÀ Cfð ¤UÀ¢UÉÆ½¹gÀÄªÀ £ÀªÀÄÆ£ÉAiÀÄ°ègÀvÀPÀÌzÀÄÝ ªÀÄvÀÄÛ D C¨sÀåyðAiÀÄÄ
26
CfðAiÀÄ°è ¸À» ºÁQ PÁ®PÁ®PÉÌ ªÀÄAqÀ½ ¤zsÀðj¹zÀ ±ÀÄ®Ì ¥ÁªÀw ªÀiÁrgÀvÀPÀÌzÀÄÝ.
4. AiÀiÁgÉÃ £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸Àå£À£ÀÄß ¨ÁåAQ£À ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£ÀÄ ¸ÉÃj¹PÉÆ¼Àî§ºÀÄzÁVzÀÄÝ EAvÀºÀ
¸ÉÃj¹PÉÆ¼ÀÄî«PÉAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄÄ/G¥À¸À«ÄwAiÀÄÄ C£ÀÄªÉÆÃ¢¸ÀvÀPÀÌzÀÄÝ.
5. AiÀiÁgÉÃ ªÀåQÛAiÀÄÄ £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀåvÀéPÉÌ ¸À°è¹zÀ CfðAiÀÄÄ wgÀ¸ÀÌøvÀªÁzÀgÉ, CfðzÁgÀ¤UÉ CAvÀºÀ
wgÀ¸ÀÌgÀuÉAiÀÄ §UÉÎ ¸ÀÆZÀ£É PÉÆqÀvÀPÀÌzÀÄÝ.
6. AiÀiÁgÉÃ ªÀåQÛAiÀÄ £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀåvÀéªÀÅ DvÀ£ÀÄ ¸Á®UÁgÀ£ÁV CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀ£ÁV ¥ÀqÉzÀ
¸Á®UÀ¼À£ÀÄß wÃj¹zÀ CxÀªÁ DvÀ£À E£ÁßªÀÅzÉÃ M¥ÀàAzÀzÀ ºÉÆuÉUÁjPÉAiÀÄÄ ¥Á®£É DzÀ PÀÆqÀ¯ÉÃ, DvÀ£À
£ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸ÀåvÀéªÀÅ CAvÀåUÉÆ¼ÀîvÀPÀÌzÀÄÝ. DzÁUÀÆå ¤AiÀÄªÀiÁ£ÀÄ¸ÁgÀªÁV CªÀ£ÀÄ ¥ÀÄ£À: £ÁªÀÄªÀiÁvÀæ
¸ÀzÀ¸Àå£ÁUÀ®Ä CºÀðvÉAiÀÄ£ÀÄß ºÉÆA¢gÀvÀPÀÌzÀÄÝ.
7. £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸Àå¤UÉ F PÉ¼ÀUÉ £ÀªÀÄÆ¢¹gÀÄªÀ CA±ÀUÀ¼À°è ºÀQÌgÀÄªÀÅ¢®è;
 ¨ÁåAQ£À µÉÃgÀÄ §AqÀªÁ¼ÀªÀ£ÀÄß ºÉÆAzÀ®Ä;
 ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è ¨sÁUÀªÀ»¸À®Ä CxÀªÁ CzÀgÀ §UÉÎ £ÉÆÃnÃ¸À£ÀÄß ¥ÀqÉAiÀÄ®Ä;
8. £ÁªÀÄ ªÀiÁvÀæ ¸ÀzÀ¸ÀåjUÉ ¤ÃqÀÄªÀ ¸ÉÃªÉUÀ¼À£ÀÄß PÁ®PÁ®PÉÌ ªÀÄAqÀ°AiÀÄÄ ¥ÀjµÀÌj¹ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ
C£ÀÄªÉÆÃzÀ£É ¥ÀqÉAiÀÄvÀPÀÌzÀÄÝ.
9. £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸Àå¤AzÀ ¥ÀqÉzÀ ±ÀÄ®ÌªÀ£ÀÄß AiÀiÁªÀÅzÉÃ ¸ÀAzÀ¨sÀðUÀ¼À°è »AwgÀÄV¸À¯ÁUÀÄªÀÅ¢®è
10. M§â £ÁªÀÄªÀiÁvÀæ ¸Àz¸ À Àå£ÀÄ M§â ¸ÁªÀiÁ£Àå ¸ÀzÀ¸Àå¤UÉ ªÀiÁvÀæ eÁ«ÄÃ£ÀÄzÁgÀ£ÁVgÀvPÀ ÀÌzÀÄÝ.
11. ¨sÁgÀwÃAiÀÄ jdªïð ¨ÁåAPÀÄ PÁ®PÁ®PÉÌ ºÉÆgÀr¸ÀÄªÀ ¤zÉÃð±À£ÀUÀ¼À ªÉÄÃgÉUÉ ªÀÄAqÀ°¬ÄAzÀ
gÀÆ¦vÀªÁzÀ ªÀåªÀºÁgÀzÀ ¤AiÀÄªÀÄUÀ½UÉ M¼À¥l À ÄÖ, AiÀiÁgÉÃ £ÁªÀÄªÀiÁvÀæ ¸ÀzÀ¸Àå£ÀÄ À MAzÀÄ CxÀªÁ
MAzÀQÌAvÀ ºÉaÑ£À ¸Á®UÀ¼À£ÄÀ ß ¥ÀqA É iÀÄ®Ä CºÀð£ÁVgÀvPÀ ÀÌzÀÄÝ.
12. AiÀiÁªÀÅzÉÃ PÁAiÉÄÝAiÀÄrAiÀÄ°è £ÉÆÃAzÁ¬Ä¸À®àlÖ ¸ÀºPÀ ÁgÀ ¸ÀAWÀªÀÅ £ÁªÀÄªÀiÁvÀæ ¸Àz¸ À ÀåvÀé
¥ÀqAÉ iÀÄ®Ä CºÀðªÁVgÀvPÀ ÀÌzÀÝ®è
13. £ÁªÀÄªÀiÁvÀæ ¸Àz¸ À ÀågÀ MlÄÖ ¸ÀASÉåAiÀÄÄ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ PÁ®PÁ®PÉÌ ¤UÀ¢¥Àr¸ÀÄªÀ
«ÄwAiÀÄ£ÀÄß «ÄÃgÀvÀPÌÀ zÀÝ®è
35. NOMINAL MEMBERS :
1. The board may admit any individual who is above 18 years of age and is residing
in the area of operation of the bank, as a nominal member.
2. In the interest of the bank, the the following are required to be admitted as
nominal members, compulsorily:
i. Pigmy Agents of the bank;
ii. Contractores / Suppliers who are entrusted with the work of
execution of civil, electrical and other works connected with the
bank's assets;
iii. Appraisers, Valuver, Legal Advisors, Internal Auditors and any
person who has transaction with the bank;
3. The application for nominal membership shall be in the prescribed form. It shall
27
be signed by the applicant and a fee of Rs……………. paid along with the
application.
4. Any eligible person may be admitted as a nominal member by the Chief
Executive which may be ratified by the board.
5. The applicant shall be informed, in case of rejection of his application, for
nominal membership.
6. The nominal membership of any person shall cease after all his liabilities as
principal debtor or as a surety or any other contractual obligations are cleared.
However, he shall have a right to be re-admitted as nominal member as per rules.
7. A nominal member shall have no right to -
i. participate in the general meeting or receive notice thereof;
ii. participate in the management of the bank;
iii. any share in any form what-so-ever in the profits or assets of the
bank;
iv. receive copy of the Annual Report, Profit & Loss Account and
Balance Sheet.
8. The liability of a nominal member shall be limited to his liability as a borrower
and as a surety or to the completion of all his contractual obligations.
9. The nominal membership fee is not refundable under any circumstances.
10.A nominal member may stand as surety to one regular member only
11.A nominal member may be eligible to get one or more types of loans subject to
the rules framed by the board and in accordance with the directions issued by the
Reserve Bank of India from time to time.
12.A co-operative society registered under any law shall not be eligible to become a
nominal member.
13.The total number of nominal members of the Bank shall not exceed the limit fixed
by the Reserve Bank of India/Registrar of Cooperative Socieities/Board of
Directors of the Bank, from time to time
36. ¸ÁªÀiÁ£Àå ¸À¨És :
(1) PÁAiÉÄÝ ªÀÄvÀÄÛ CzÀgÀrAiÀÄ°è gÀÆ¦¹zÀ ¤AiÀÄªÀÄUÀ½UÉ ºÁUÀÆ F G¥À«¢üU½ À UÉ, ¨sÁgÀwÃAiÀÄ j¸Àªïð
¨ÁåAPï £À ¸ÀÆZÀ£U É ½
À UÉ M¼À¥l
À ÄÖ ¨ÁåAQ£À CAwªÀÄ C¢üPÁgÀªÅÀ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄPÉÌ EgÀvÀPÌÀ zÀÄÝ.
(2) ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è JgÀqÀÄ «zsÀ - CAzÀgÉ :
(J) ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉ ªÀÄvÀÄÛ
(©) «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉ
(3) ¨ÁåAQ£À ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß ¥Àæw ªÀµð À ªÀÇ PÁAiÉÄÝAiÀÄ PÀ®A 27gÀ ¥ÀPæ ÁgÀ ¸É¥ÖÀA§gï
25£ÉÃ ¢£ÀzÆ É ¼ÀUÉ ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¸ÀÄªÀ ¢£ÁAPÀzA À zÀÄ PÀgÉAiÀÄvÀPÌÀ zÀÄÝ.
36. GENERAL MEETING :
(1) Subject to the provisions of the Act, the rules and the bye-laws, instructions from
Reserve bank of India, the final authority of the bank shall vest in the general body.
28
(2) The general meetings shall be of two types viz.,
(a) Annual general meeting and
(b) Special general meeting.
(3) The annual general meeting shall be called as per section 27 of the Act before the
25th day of september every year as may be fixed by the board.
37. ¸ÁªÀiÁ£Àå ¸À¨ÉU s ÁV £ÉÆÃnÃ¸ÀÄ :
ªÀÄAqÀ°AiÀÄÄ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄÄ £ÀqA É iÀÄÄªÀ ¸ÀÜ¼À, ¢£ÁAPÀ ªÀÄvÀÄÛ ªÉÃ¼ÉAiÀÄ£ÀÄß ¤zsð À j¹zÀ £ÀAvÀg,À ªÀÄÄRå
PÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉ CxÀªÁ «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉUÉ PÀ¤µÀ× ºÀ¢£ÉÊzÀÄ ¸ÀàµÀÖ
¢£ÀUÀ¼À ªÀÄÄAZÉ £ÉÆÃnÃ¸À£ÄÀ ß ¥Àw æ AiÉÆ§â ¸Àz¸ À Àå¤UÀÆ PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ. DzÁUÀÆå, vÀÄvÀÄð ¸ÀAzÀ¨Àð s UÀ¼À°è
PÀ¤µÀ× ºÀvÀÄÛ ¸ÀàµÖÀ ¢£ÀUÀ¼À £ÉÆÃnÃ¸ÀÄ ¤ÃqÀÄªÀÅzÀgÀ ªÀÄÆ®PÀ «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß PÀgÉAiÀÄ§ºÀÄzÀÄ.
F £ÉÆÃnÃ¹£À°è ¸À¨sÉAiÀÄÄ £ÀqA É iÀÄÄªÀ ¸ÀÜ¼À, ¢£ÁAPÀ ªÀÄvÀÄÛ ªÉÃ¼ÉAiÀÄ£ÀÄß ªÀÄvÀÄÛ ¸À¨sÉAiÀÄ°è ZÀað¸ÀvPÀ ÀÌ
«µÀAiÀÄUÀ¼À£ÄÀ ß (CeÉAqÁ) ¸ÀàµÖÀªÁV £ÀªÄÀ Æ¢¸ÀvPÀ ÀÌzÀÄÝ. CAxÀ £ÉÆÃnÃ¹£À eÉÆvÉ ªÀÄÄRå
PÁAiÀÄð¤ªÁðºÀP£ À ÀÄ CeÉAqÁzÀ°è£À ¥Àw æ «µÀAiÀÄzÀ §UÉÎ «ªÀgª À ÁzÀ n¥ÀàtU Â ¼
À À£ÄÀ ß »A¢£À ªÀµÀðzÀ
¯ÉPÌÀ ¥Àj±ÉÆÃ¢üvÀ D¹Û ºÉÆuÉ ¥ÀnÖ, ¯Á¨sÀ-£ÀµÖÀ vÀBSÉÛ ªÀÄvÀÄÛ ¯ÉPÌÀ ¥Àj±ÉÆÃzs£ À Á ªÀgÀ¢AiÀÄ ¥Àw æ AiÀÄ£ÀÄß, CzÀgÀ
ªÉÄÃ¯É ªÀÄAqÀ°AiÀÄÄ vÉUz É ÀÄPÉÆAqÀ PÀª æ ÀÄUÀ¼À C£ÀÄ¸ÀgÀuÁ ªÀgÀ¢AiÀÄ ¥ÀæwAiÀÄ£ÀÄß ®UÀwÛ¸v À ÀPÌÀ zÀÄÝ. G¥À«¢ü
wzÀÄÝ¥ÀrAiÀÄ ¥À¸ æ ÁÛªÀ«zÀÝ°è, ¨ÉÊ¯Á ¸ÀASÉå, ºÁ° EgÀÄªÀ ¨ÉÊ¯Á G¥À§Azs,À ¥À¸ æ ÁÛ¦vÀ wzÀÄÝ¥ÀrAiÀÄ ¥ÁoÀ
ªÀÄvÀÄÛ wzÀÄÝ¥ÀrUÉ PÁgÀtUÀ¼À£Æ À ß ¸À»vÀ £ÉÆÃnÃ¹£À eÉÆvÉ PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ. CAxÀ £ÉÆÃnÃ¸À£ÄÀ ß ¨ÁåAQ£À
£ÉÆÃAzÁ¬ÄvÀ PÀbÉÃjAiÀÄ ªÀÄvÀÄÛ CzÀgÀ ±ÁSÉUÀ¼À ¸ÀÆZÀ£Á ¥s® À PÀUÀ¼À°è CAn¹ ¥Àz æ À²ð¸ÀvPÀ ÀÌzÀÄÝ ºÁUÀÆ
F PÉ¼ÀV£À «zsÁ£ÀzÀ ªÀÄÆ®PÀ PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ.
(1)«zÀÄådÓ£Àå CAZÉAiÀÄ(Email) ªÀÄÆ®PÀ; CxÀªÁ
(2)¸Ë®¨sÀåUÀ¼ÀÄ ®¨såÀ ªÁUÀÄªÀ J¯Áè ¸ÀÜ¼ÀUÀ¼À°è MmÁÖV (§¯ïÌ) CAZÉ ªÀÄÆ®PÀ; CxÀªÁ
(3)¸ÀÆPÀÛ ¹éÃPÀÈwAiÀÄ ¸À»vÀ ¸ÀÜ½ÃAiÀÄ vÀ®Ä¦¸ÀÄ«PÉ ªÀÄÆ®PÀ; CxÀªÁ
(4)¸ÁªÀiÁ£Àå CAZÉ ªÀÄÆ®PÀ; ªÀÄvÀÄÛ
PÁAiÀÄðPÉëÃvÀæzÀ°è ¸ÁPÀµÄÀ Ö ¥ÀjZÀ®£ÉAiÀÄ°ègÄÀ ªÀ ªÀÈvÀÛ ¥ÀwæPA É iÀÄ°è ¥ÀPæ Àn¸ÀÄªÀ ªÀÄÆ®PÀ.: (J) ¨ÁåAQ£À
PÁAiÀÄðPÉëÃvÀæªÀÅ f¯ÉèVAvÀ PÀrªÉÄ EzÀÝ°è CAxÀ ¸ÀÜ¼ÀUÀ¼À°è MAzÀÄ PÀ£ßÀ qÀ ªÁvÁð¥ÀwæPA É iÀÄ°è ¥ÀPæ Àn¸ÀÄªÀ
ªÀÄÆ®PÀ; CxÀªÁ (©) ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæªÀÅ f¯ÉèUÉ ªÀÄvÀÄÛ f¯ÉèVAvÀ «ÄÃj ErÃ gÁdåPÉÌ «¸ÀÛj¹zÀ°è,
CAxÀ ¸ÀÜ¼ÀUÀ¼À°è MAzÀÄ PÀ£ÀßqÀ ªÀÄvÀÄÛ MAzÀÄ DAUÀè ªÁvÁð¥ÀwæPA É iÀÄ°è ¥ÀPæ Àn¸ÀÄªÀ ªÀÄÆ®PÀ.
J¯Áè ¸Àz¸ À ÀåjUÉ ¸ÀPÁ®zÀ°è £ÉÆÃnÃ¸À£ÄÀ ß PÀ¼ÀÄ»¹gÀÄªÀÅzÀPÌÉ ¨ÁåAQ£À°è C¢üPÈÀ vÀ zÁR¯É EzÀÝ°è,
CAvÀºÀ £ÉÆÃnÃ¸À£ÄÀ ß J¯Áè ¸Àz¸ À ÀåjUÀÆ vÀ®Ä¦¸À¯ÁVzÉ JAzÀÄ ¨sÁ«¸ÀvPÀ ÀÌzÀÄÝ. ¸Àzj À £ÉÆÃnÃ¸ÀÄ J¯Áè
¸Àz¸ À ÀåjUÀÆ vÀ®Ä¦®èªÉA§ PÁgÀt¢AzÀ ªÀiÁvÀæ ¸À¨sÉAiÀÄ £ÀqÉª½ À UÀ¼ÀÄ C£ÀÆfðvÀªÁUÀvÀPÌÀ zÀÝ®è.
37. NOTICE FOR THE GENERAL MEETING :
After the decision of the board regarding the place, date and time of holding the general
meeting, the chief executive shall send a notice of atleast fifteen clear days to every
member of the bank.
However, in case of exigency, a special general meeting may be convened by giving a
notice of at least ten clear days. The notice shall clearly state the place, date, time and
agenda of the meeting.
The Chief Executive shall send detailed notes on each of the subjects in the agenda
29
together with the audit report containing profit & loss account, balance sheet and other
financial statements and a report on the followup action taken by the board on such audit
report alongwith the meeting notice.
If there is a proposal to amend the byelaws, byelaw no., the existing provision, proposed
amendment and the reasons for the amendments shall also be sent alongwith the meeting
notice. Such notice shall be published on the notice boards of the bank at its registred
office and its branches and shall also be sent in the following manner.
1. Email
2. bulk posting at places where the facility is available; or
3. local delivery with suitable acknlowdement; or
4. ordinary post ;
and
Publication in a news paper having wider circulation in the area of operation; (a) in
one kannada news paper at places where the area of operation of the bank is less than
district. (b) in one kannada and one english news papers at places where area of
operation of the bank extends to a district and above and to the whole of the state.
If there are authorised documents in the bank for having sent the notice to all the
members in time, it shall be deemed that such notice has been served on the members.
The proceedings of the meeting shall not become invalid merely on the ground that the
said notice has not been sent to all the members.
38. ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ PÀvÀðªÀåUÀ¼ÀÄ :
¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ C¢üPÁgÀU¼ À ÀÄ ªÀÄvÀÄÛ PÀvÀðªÀåU¼ À ÀÄ »ÃVgÀvÀPÌÀ zÀÄÝ:
1. »A¢£À ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ £Àqª À À½UÀ¼À£ÄÀ ß NzÀÄªÀÅzÀÄ ªÀÄvÀÄÛ zÀÈrüÃPÀj¸ÀÄªÀÅzÀÄ;
2. ªÀÄAqÀ°AiÀÄÄ ªÀÄAr¹zÀ »A¢£À ªÀµÀðzÀ ªÁ¶ðPÀ ªÀg¢ À AiÀÄ ¥ÀjUÀt£É;
3. »A¢£À ªÀµð À zÀ ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀ£Á ªÀgÀ¢, ¯ÉPÌÀ ¥Àj±ÉÆÃ¢üvÀ D¹Û ºÉÆuÉ ¥ÀnÖ, ¯Á¨sÀ £ÀµÖÀ vÀSÉÛ
ªÀÄvÀÄÛ EvÀgÀ DyðPÀ vÀBSÉÛUÀ¼À ¥ÀjUÀt£É ºÁUÀÆ CzÀgÀ §UÉÎ ªÀÄAqÀ°AiÀÄÄ vÉUz É ÀÄPÉÆAqÀ PÀª æ ÀÄUÀ¼À
¥ÀjUÀt£É;
4. ªÀÄÄAa£À ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀ£U É É ¸ÀA§AzsÀ¥ÀlÖAvÉ J¯Áè zÉÆÃµÀUÀ¼ÀÄ ¸Àj¥Àr¸À®àqÀÄªÀªg À U
É É ªÀÄvÀÄÛ J¯Áè
CPÀæªÄÀ UÀ¼ÀÄ ¸Àj¥Àr¸ÀÄªÀÀªÀgU É É C£ÀÄ¸ÀgÀuÁ ªÀgÀ¢UÀ¼À C¼ÀªÀrPÉ ªÀÄvÀÄÛ ¥ÀjUÀt£É;
5. ªÀÄAqÀ°AiÀÄÄ ¸Àz¸ À ÀåjUÉ ¸ÀºPÀ ÁgÀ ²PÀët ªÀÄvÀÄÛ vÀg¨ À ÃÉ w MzÀV¸À®Ä vÉUz É ÀÄPÉÆAqÀ PÀª æ ÀÄzÀ ªÀÄvÀÄÛ
ªÀÄÄA¢£À ªÀµð À PÉÌ D §UÉÎ vÀAiÀiÁj¹zÀ PÁAiÀÄðPÀª æ ÀÄzÀ CªÀ¯ÉÆÃPÀ£;À
6. ªÀÄAqÀ°AiÀÄÄ gÀÆ¦¹zÀ ¨ÁåAQ£À ªÀÄÄA§gÀÄªÀ ªÀµð À zÀ PÁAiÀÄðZÀlÄªÀnPÉU¼ À À ¥ÀjUÀt£É;
7. ¨ÁåAQ£À°è PÁAiÀiÁðZÀgu À É PÉÆgÀvÉ K£ÁzÀgÀÆ EzÀÝ°è D §UÉÎ ¥Àj²Ã®£É ªÀÄvÀÄÛ CAxÀ
PÉÆgÉvÉAiÀÄ£ÀÄß ¤ÃV¸À®Ä ºÀ«ÄäPÆ É AqÀ PÁAiÀÄðPÀª æ ÀÄzÀ ¥ÀjUÀt£É.
8. »A¢£À ªÀµð À zÀ DAiÀÄªÀåAiÀÄzÀ C£ÀÄzÁ£ÀUÀ¼À°è£À ºÉZÀÄÑªÀj RZÀÄðUÀ½zÀÝ°è, CAxÀ RZÀÄðUÀ¼À
C£ÀÄªÉÆÃzÀ£É. ªÀÄvÀÄÛ ªÀÄÄA¢£À ªÀµÀðzÀ DAiÀÄªÀåAiÀÄ CAzÁdÄUÀ¼À C£ÀÄªÉÆÃzÀ£É;
9. ¤AiÀÄªÀiÁ£ÀÄ¸ÁgÀ ¯Á¨sÀzÀ «¤AiÉÆÃUÀ ªÀÄvÀÄÛ ¯Á¨sÁA±À ¥ÀæªiÀ ÁtzÀ C£ÀÄªÉÆÃzÀ£É;
10. ¸Àz¸À ÀågÀÄ ªÀÄAqÀ°AiÀÄ PÁAiÀÄð¤ªÀðºÀuÉ §UÉÎ zÀÆgÀÄ PÉÆnÖzÝÀ °è CAvÀºÀ zÀÆgÀÄUÀ¼À ¥Àj²Ã®£É;
30
11. G¥À«¢üUÀ¼À gÀÆ¦¸ÀÄ«PÉ ªÀÄvÀÄÛ wzÀÄÝ¥ÀrUÀ¼À C£ÀÄªÉÆÃzÀ£É;
12. ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPÀgÀ £ÉÃªÀÄPÁw ªÀÄvÀÄÛ DvÀ¤UÉ PÉÆqÀ§ºÀÄzÁzÀ ¸ÀA¨sÁªÀ£A É iÀÄ ¤zsð
À gÀuÉ;
13. ¥ÀzÁ¢üPÁjUÀ¼ÀÆ ¸ÉÃjzÀAvÉ ¤zÉÃð±ÀPÀgÀÄ, CªÀgÀ D ¸ÁªÀÄxÀåðzÀ°è ¤ªÀð»¹zÀ PÀvð À ªÀåU½
À UÉ
CxÀªÁ ¸ÀA§A¢üvÀ ¸À¨sÉU½ À UÉ ºÁdgÁzÀÄzÀPÌÉ ¸ÀA§Azs¥ À ÀlÖAvÉ CªÀjUÉ ¸ÀAzÁAiÀÄ ªÀiÁrzÀ
¸ÀA¨sÁªÀ£,É ¥ÀæAiÀiÁt ¨sÀvåÉ , ¢£À ¨sÀvåÀ ªÀÄvÀÄÛ EvÀgÀ ¨sv À ÉåUÀ¼À «ªÀÄ±Éð;
14. ¸ÀÆPÀÛ ªÀÄÄ£ÀÆìZ£ À É ªÉÄÃgÉUÉ vÀgÀ§ºÀÄzÁzÀ EvÀgÉ «µÀAiÀÄUÀ¼ÀÄ;
15. ¸À¨sÁ¥ÀwAiÀÄªÀgÀ C¥ÀàuÉ ªÉÄÃgÉUÉ EvÀgÉ «µÀAiÀÄUÀ¼ÀÄ;
¸ÁªÀiÁ£Àå ¸À¨sÉUÉ F PÉ¼ÀPÀAqÀ C¢üPÁgÀU¼ À ÀÄ EgÀÄvÀÛªÉ
1. ªÀÄAqÀ°AiÀÄÄ ¨ÁåAQUÉ CUÀvÀå«zÀÝ°è ¨ÁºÀå ªÀÄÆ®UÀ½AzÀ ¥ÀqA É iÀÄ§ºÀÄzÁzÀ ¸Á®UÀ¼À UÀjµÀ×
«ÄwAiÀÄ£ÀÄß ¤UÀ¢¥Àr¸ÀÄªÀÅzÀÄ;
2. ªÀ¸ÀÆ¯ÁUÀzÝÉ AzÀÄ ¥ÀjUÀtÂ¸À¯ÁzÀAxÀ AiÉÆÃUÀå ¥ÀPæ ÀgÀtUÀ¼À°è ºÉÆÃPÀÄ¨ÁQ (¨Áåqï qÉmïì) ¸Á®UÀ¼À
§UÉÎ ¤zsÀðj¸ÀÄªÀÅzÀÄ;
3. ¤¢ðµÀÖ «ÄÃ¸À®Ä ªÀÄvÀÄÛ EvÀgÀ ¤¢üUÀ¼À£ÄÀ ß gÀa¸ÀÄªÀÅzÀÄ;
4. ¤zÉÃð±ÀPÀgÀ CxÀªÁ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À ¸ÀA§A¢üU¼ À À£ÄÀ ß £ÉÃªÀÄPÀ ªÀiÁrPÉÆArzÀÝ°è, CAvÀºÀ
£ËPÀgg À À ¥ÀnÖAiÀÄ CªÀ¯ÉÆÃPÀ£;É
5. ¨ÁåAQ£À ¤zÉÃð±ÀPg À ÄÀ UÀ½UÉ, ¥ÀzÁ¢üPÁjUÀ½UÉ ªÀÄvÀÄÛ £ËPÀgÀgÀÄUÀ½UÉ ¤Ãw ¸ÀA»vÉUÀ¼À£ÄÀ ß
gÀÆ¦¸ÀÄªÀÅzÀÄ;
6. ¨ÁåAQUÉ ¸ÉÃj¹PÉÆAqÀ ºÁUÀÆ vÉUÉzÄÀ ºÁQzÀ ¸ÀzÀ¸ÀågÀ ¥ÀnÖAiÀÄ ¥Àj²Ã®£É;
7. EvÀgÀ ¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À°è ¨ÁåAQ£À ¸Àz¸ À ÀåvÀé C£ÀÄªÉÆzÀ£É;
8. ¨ÁåAQ£À ¸Àz¸ À ÀåjAzÀ ªÀÄvÀÄÛ ¤zÉÃð±ÀPj À AzÀ ¨ÁåAQ£À ¸ÉÃªÉU¼ À À §¼ÀPÉAiÀÄ §UÉÎ «ªÀÄ±Éð;
9. ¤zÉÃð±ÀPÀjUÉ ªÀÄvÀÄÛ CªÀgÀ ¸ÀA§A¢üU½ À UÉ ¤ÃqÀ¯ÁzÀ ¸Á®UÀ¼À ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À, ¸ÀÄ¹Û ¨ÁQ
AiÀiÁªÀÅzÁzÀgÀÆ EzÀÝgÉ CªÀÅUÀ¼À ªÀÄvÀÄÛ CªÀÅUÀ¼À ªÀ¸ÀÆ°UÁV PÉÊUÉÆAqÀ PÀæªÄÀ zÀ ¥Àj²Ã®£É;
10. «ZÁgÀuÁ ªÀÄvÀÄÛ ¥Àj«ÃPÀëuÁ ªÀgÀ¢UÀ¼ÀÄ, AiÀiÁªÀÅzÁzÀgÀÆ EzÀÝgÉ CªÀÅUÀ¼À ªÀÄvÀÄÛ ¸Àzj À
ªÀgÀ¢UÀ¼À°è vÉÆÃj¸À¯ÁzÀ zÉÆÃµÀUÀ¼À£ÄÀ ß ¸Àj¥Àr¸ÀÄªÀ ªÀÄvÀÄÛ CPÀæªÄÀ UÀ¼À£ÄÀ ß £ÉÃ¥Àðr¸ÀÄªÀ
¸ÀA§AzsÀzÀ°è PÉÊUÉÆAqÀ PÀæªÀÄzÀ §UÉÎ ªÀÄAqÀ°AiÀÄÄ ¤ÃrgÀÄªÀ C£ÀÄ¸ÀgÀuÁ ªÀg¢ À AiÀÄ ¥Àj²Ã®£É;
11. «ÄÃ¸À®Ä ªÀÄvÀÄÛ EvÀgÉ ¤¢üU¼ À À ªÁ¸ÀÛ«PÀ §¼ÀPÉAiÀÄ «ªÀÄ±Éð;
12. d«ÄÃ£ÀÄ CxÀªÁ PÀlÖqÀ RjÃ¢ CxÀªÁ PÀlÖqÀ ¤ªÀiÁðt M¼ÀUÉÆAqÀAvÉ ¹ÜgÁ¹ÛAiÀÄ RjÃ¢
ªÀÄvÀÄÛ ªÀiÁgÁlzÀ §UÉÎ C£ÀÄªÉÆÃzÀ£É;
13. ¨ÁåAQ£À ¹§âA¢ §® ªÀÄvÀÄÛ £ËPÀgj À UÉ PÉÆqÀ¯ÁUÀÄªÀ ªÉÃvÀ£À ±ÉæÃtÂ, vÀÄnÖ ¨sv À Éå ªÀÄvÀÄÛ EvÀgÀ
¨svÀ ÉåUÀ¼À ¥ÁªÀwAiÀÄ ¥ÀjUÀt£É;
14. ªÀÄAqÀ°AiÀÄÄ ¸Àz¸ À ÀåvÀé ¤gÁPÀj¹zÀ ªÀåQÛAiÀÄ C¦Ã®£ÀÄß AiÀÄÄPÀÛ CªÀPÁ±À ¤ÃrzÀ vÀgÄÀ ªÁAiÀÄ
¤zsð À j¸ÀÄªÀÅzÀÄ;
15. ¨ÁåAPÀÄ vÀ£ßÀ ¤¢üUÀ¼À£ÄÀ ß PÁAiÉÄÝAiÀÄ PÀ®A 18gÀ ¥ÀæPÁgÀ vÉÆqÀV¸À®Ä C£ÀÄªÀÄw PÉÆqÀÄªÀÅzÀÄ;
16. ¨ÁåAQ£À ¸Àz¸ À ÀåvÀéªÀÅ CxÀªÁ ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæªÅÀ ¤UÀ¢vÀ «ÄwVAvÀ ºÉaÑzÁÝUÀ, ¨ÁåAQ£À
¸ÀÄUÀªÀÄ PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ »vÀzÀÈ¶Ö¬ÄAzÀ PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ¼À G¥À§AzsÀUÀ¼À ¥ÀPæ ÁgÀ
¥Áæw¤¢üPÀ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄªÀ£ÄÀ ß gÀa¸ÀÄªÀÅzÀÄ;
¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄÄ vÀ£U À É zÀvÀÛªÁzÀ C¢üPÁgÀzÀ°è F PÉ¼ÀPA À qÀ «µÀAiÀÄUÀ¼À£ÄÀ ß ¥ÀjUÀtÂ¸À§ºÀÄzÀÄ:
31
1. ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP£ À À PÁAiÀÄðªÉÊRjAiÀÄ «ªÀÄ±Éð ªÀiÁr DqÀ½vÀ ªÀÄAqÀ°UÉ ¸ÀÆPÀÛ
¸ÀÆZÀ£U
É ¼
À £
À ÀÄß ¤ÃqÀ§ºÀÄzÀÄ.
¸ÁªÀiÁ£Àå ¸À¨sÉUÉ F PÉ¼ÀPA À qÀ «µÀAiÀÄUÀ¼À §UÉÎ UÀt£ÉUÉ vÉUz É ÀÄPÉÆ¼Àî®Ä, ZÀZðÉ ªÀiÁqÀ®Ä CxÀªÁ
¤tðAiÀÄUÀ¼À£ÄÀ ß PÉÊUÉÆ¼Àî®Ä C¢üPÁgÀ«gÀÄªÀÅ¢®è
1. PÁ¬ÄzÉ, ¤AiÀÄªÀÄUÀ¼ÀÄ ºÁUÀÆ ZÁ°ÛAiÀÄ°ègÀÄªÀ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï £À/¸ÀPÁðgÀzÀ
¸ÀÆZÀ£U É ½
À UÉ C£ÀÄUÀÄtªÁV®è¢zÀÝ°è
2. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï £À C¢üÃ£ÀzÀ°ègÀÄªÀ «µÀAiÀÄUÀ¼À §UÉÎ
3. ¸ÀPÁðgÀ CxÀªÁ jf¸ÁÖçgï £À C¢üÃ£Àz° À ègÀÄªÀ «µÀAiÀÄUÀ¼À §UÉÎ
4. DqÀ½vÀ ªÀÄAqÀ° À AiÀÄ PÁAiÀÄðUÀ¼À §UÉÎ
5. ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À zÉÊ£ÀA¢£À ZÀlÄªÀnPÉU¼À À §UÉÎ
6. ¨ÁåAPï £À »vÀ zÀÈ¶ÖUÉ ªÀiÁgÀPÀªÁUÀÄªÀAwzÀÝgÉ
n¥Ààt:Â AiÀiÁªÀÅzÉÃ ¸ÀºPÀ Áj ¨ÁåAPï £À ¸ÁªÀiÁ£Àå ¸À¨sÉ ¤tðAiÀÄ PÉÊUÉÆ¼ÀÄîªÀ CvÀÄå£ÀßvÀ C¢üPÁgÀªÁVzÀÝgÆ À
¸ÀºÀ CzÀÆ ¸ÀºÀ PÁ¬ÄzÉ, ¤AiÀÄªÀÄUÀ¼ÀÄ, G¥À¤AiÀÄªÀÄUÀ½AzÀ ®¨såÀ ªÁzÀ zÀvÛÀ C¢üPÁgÀªÀ£ÄÀ ß
ZÀ¯Á¬Ä¸ÀÄvÀÛzÉAiÉÄÃ ºÉÆgÀvÀÄ EzÉÃ ªÀÄÆ®UÀ½AzÀ ®¨såÀ ªÁzÀ zÀvÛÀ C¢üPÁgÀU¼ À À£ÄÀ ß ¥Àq¢
É gÀÄªÀ EvÀgÀ
C¢üPÁgÀU¼ À À «gÀÄzÀÞªÁV ªÀwð¸ÀvÀPÌÀ zÀÝ®è.
38. FUNCTIONS OF THE GENERAL BODY :
The following shall be the obligatory functions of the general body:
1. reading and confirming the proceedings of the preceding general body meeting;
2. consideration of the annual report for the preceeding year as presented by the
board;
3. consideration of the audit report for the preceeding year, audited balance sheet,
profit and loss account and other financial statements and the action taken by the
board there on;
4. consideration and adoption of the rectification reports of the earlier audit till all
the defects are rectified and irregularities are remedied.
5. perusal of the action taken by the board for providing education and training to
the members andpreparing a plan for the same for the next year.
6. consideration of the programme of activities of the bank for the ensuing year as
presented by the board.
7. review of the operational deficit of the bank if any and the programme to wipe out
such deficit.
8. approval of the excess expenditure if any of the budget estimates of the preceding
year and approval of the budget estimates for the ensuing year.
9. approval for appropriation of profit as per the rules and determination of the
dividend.
10.consideration of the allegations, if any, made by the members about the
functioning of the board.
11.approval for framing of bye-laws and their amendments;
32
12.appointment of the auditor and fixation of the remuneratin payble to him;
13.review of the remuneration, TA, DA and other allowances paid to the directors
including the office bearers in connection with their duties in that capacity or their
attendance at related meetings ;
14.any other matter with sufficient prior notice;
15.any other subject with the permission of the chairperson;
The General Body has been vested with the powers as under :
1. determination of the maximum limit of borrowings to be raised from external
sources by the board if necessary for the bank;
2. decision on bad debts considered as Irrecoverable in eligible cases;
3. creation of specific reserves and other funds;
4. perusal of the list of employees recruited who are the relatives of the members of
the board or chief executive;
5. framing of the code of conduct for the directors, office-bearers and employees of
the bank;
6. review of the note on the admission and termination of members during the
preceding year;
7. approval of the membership of the bank in other co op. societies;
8. review of the use of the services of the bank by the members and directors of the
bank;
9. consideration of the loans and advances made to the directors and their relatives,
defaults, if any, and the action for recovery thereof;
10.consideration of the inquiry and inspection reports, if any, and the compliance
report of the board on the action taken regarding the rectification of defects and
remedying of the irregularities pointed out in the said reports;
11.review of the actual utilisation of the reserve and other funds ;
12.approval for purchase and sale of the immovable property including land or
building or construction of buildings;
13.consideration of the cadre strength, pay scales, dearness allowance and other
allowance payable to Employees;
14.decision on the appeal filed by a person whose application for membership has
been rejected by the board after giving opportunity of being heard;
15.approval for investment of funds of the bank under section 58 of the Act;
16.amendment of the byelaws to provide for constitution of a representative general
body for smooth functioning of the bank as per the provisions of the Act and the
rules when the membership exceeds the prescribed limit or the area of operation
exceeds the prescribed limit;
The General Body has the discretion to consider the following :
The General Body can review the performance of the Chief Executive and issue
directions to the Board suitably.
33
Restrictions on the powers of the General Body:
The General Body of the Bank, is restricted from considering, deliberating and passing
resolutions in respect of the following:
1. Subjects which are inconsistent with the the provisions of the Act, Rules, Bylaws
and the extant instructions of Reserve Bank of India/Govt
2. Subjects over which the Reserve Bank has exclusive authority
3. Subjects over which the Registrar/Govt has the exclusive authority
4. Subjects which form the functions of the Board of Directors
5. Subjects which are related to routine functions of the Chief Executive and other
officials of the Bank
6. Subjects which are not in the interests of the Bank
Note: The General Body of the Bank although the supreme decision making authority,
also derives its authority from the Act, Rules and the Bylaw and therefore does not have
authority to overstep its authority and prevent other authorities/formal bodies which also
derive their respective authorities from the Act, Rules and the Bylaws
39.¸À¨sÉAiÀÄ £ÀqÀª½ À
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ¸À¨sÉAiÀÄ £Àqª
À À½UÀ¼À£ÀÄß ZÀZð É UÀ¼À£ÄÀ ¸ÁgÀ £ÉÊdªÁV ªÀÄvÀÄÛ ¤RgÀªÁV
G¥À¤AiÀÄªÀÄUÀ¼ÀrAiÀÄ°è wÃ½¹gÀÄªÀAvÉ CzÉÃ GzÉÝÃ±ÀPÁÌVqÀ®àlÖ ¥ÀÄ¸ÀÛPÀzÀ°è zÁR°¸ÀvPÀ ÀÌzÀÄÝ. ¸À¨sÉAiÀÄ
£ÀqªÀ À½UÀ¼ÀÄ ¸À¨sÉAiÀÄ°è£À ZÀZð É UÀ¼À ¤RgÀªÁzÀ ªÀÄvÀÄÛ AiÀÄÄPÀÛªÁzÀ ¸ÀAUÀæºª À À£ÄÀ ß M¼ÀUÉÆArgÀvÀPÌÀ zÀÄÝ.
ºÁUÉ zÁR°¹zÀ AiÀiÁªÀÅzÀÆ CAxÀ £Àqª À À½UÀ¼À°è F PÉ¼ÀV£Àz£À ÀÄß ¸ÉÃj¸ÀÄªÀ CUÀvÀå«zÉAiÉÄAzÀÄ
¨sÁ«¸ÀvPÀ ÀÌzÀÝ®è;
(J) CzÀÄ AiÀiÁªÀÅzÉÃ ªÀåQÛUÉ C¥ÀSÁåwPÀgÀªÁzÀzÄÀ Ý CxÀªÁ AiÀÄÄPÀÛªÁV C¥ÀSÁåwPÀgª À ÉAzÀÄ
¥ÀjUÀtÂ¸ÀÄªÀAxÁzÁÝVzÀÄÝzÄÀ ; CxÀªÁ
(©) CzÀÄ ¸ÀÄ sÉ iÀÄ £Àqª
À À½UÀ½UÉ ÇÀAUÀvª À ÁVzÀÄÝzÀÄ CxÀªÁ ªÀÄºÀvÀé«®èzÀÄÝzÀÄ; CxÀªÁ
(¹) CzÀÄ ¨ÁåAQ£À »vÀPÌÉ zsÀPÉÌ GAlÄªÀiÁqÀÄªÀAxÀº À ÀzÄÀ Ý;
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ¸À¨sÉ £Àqz
É À ªÀÄÆªÀvÀÄÛ ¢£ÀzÉÆ¼ÀUÁV £Àqª À À½UÀ¼À ¥Àª
æ ÀiÁtÂÃPÀÈvÀ ¥Àw
æ UÀ¼À£ÄÀ ß
J¯Áè ¸Àz¸ À ÀåjUÉ, jf¸ÁÖçgÀ¤UÉ ªÀÄvÀÄÛ ºÀtPÁ¸ÀÄ ¥ÀÆgÉÊ¸ÀÄªÀ ¸ÀA¸ÀÜUÉ CxÀªÁ PÉærmï KeÉ¤ìUÉ gÀªÁ¤¹ CzÀgÀ
MAzÀÄ ¥ÀæwAiÀÄ£ÀÄß ¨ÁåAQ£À ¸ÀÆZÀ£Á¥s® À PÀz°
À è CAn¸ÀvPÀ ÀÌzÀÄÝ;
39.Minutes of the General Body Meetings
The chief executive shall record the minutes of the proceedings of the meeting truly
and acurately as per the deleberations in the Minutes book kept for the purpose as
out lined in Section No. of this Bylaw.
Nothing in the proceedings so recorded shall be deemed to require the inclusion in
such minutes of any matter which –
(a) is or could reasonably be regarded as defamatory of any person; or
(b) is irrelevant or immaterial to the proceedings; or
(c) is determental to the interest of the bank.
The Chief Executive shall send certified copies of the proceedings of the meeting
34
within thirty days from the date of the meeting to all the members, the Registrar, and
the financing bank or credit agency and affix one copy on the notice board of the bank.
40. ¸ÁªÀiÁ£Àå ¸À¨ÉAs iÀÄ CzsÀåPÀëvÉ : ¥Àw æ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ CzsåÀ PÀëvÉAiÀÄ£ÀÄß ¨ÁåAQ£À CzsåÀ PÀë£ÉÃ ªÀ»¸ÀvPÀ ÀÌzÀÄÝ.
CªÀ£À UÉÊgÀÄ ºÁdjAiÀÄ°è G¥ÁzsÀåPÀë£ÀÄ ªÀ»¸ÀvPÀ ÀÌzÀÄÝ. EªÀj§âgÀ UÉÊgÀÄºÁdjAiÀÄ°è ¸ÁªÀiÁ£Àå ¸ÀÄ sÉ iÀÄÄ
DAiÉÄÌ ªÀiÁrzÀ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀP£ À ÉÆ§â£ÀÄ ¸À¨sÁzsåÀ PÀëvÉAiÀÄ£ÀÄß ªÀ»¸ÀvPÀ ÀÌzÀÄÝ.
40. CHAIRPERSON OF THE GENERAL MEETING : The President shall preside
over every general body meeting. In his absence, the Vice-President shall preside over
the general body meeting. In the absence of both, one of the directors chosen by the
general body shall preside over the general meeting.
41. ¸ÁªÀiÁ£Àå ¸À¨ÉAs iÀÄ CªÀ±ÀåPÀ ¸ÀASÉå (PÉÆÃgÀA) : ¸ÁªÀiÁ£Àå ¸À¨ÉAs iÀÄ°è ºÁdgÁUÀ®Ä CºÀðvÉ EgÀÄªÀ ¸ÀzÀ¸ÀågÀ
¥ÉÊQ PÀ¤µÀ× ±ÉÃPÀqÀ E¥ÀàvÛÀgµ À ÀÄÖ ¸Àz¸ À ÀågÀ ºÁdgÁwAiÀÄÄ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ ¸À¨sÁªÀ±åÀ PÀ ¸ÀASÉå (PÉÆÃgÀA)
DVgÀvPÀ ÀÌzÀÄÝ.
41. QUORUM FOR THE GENERAL MEETING : The attendance of a minimum of
20% of the members who are eligible to attend the General Body Meeting shall be
considered the quorum for the general meeting.
45. ¸ÁªÀiÁ£Àå ¸À¨ÉAs iÀÄ ªÀÄÄAzÀÆrPÉ : (1) ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß ¥ÁægA À ©ü¸ÀÄªÀ ¸ÀªÄÀ AiÀÄzÀ°è ¸À¨sÁªÀ±åÀ PÀ
¸ÀASÉå (PÉÆÃgÀA) E®è¢zÀÝgÉ CAxÀ PÀ¯Á¥ÀªÀ£ÄÀ ß £ÀqÉ¸ÀvPÀ ÀÌzÀÝ®è. ¸À¨sÉUÉ UÉÆvÀÄÛ¥Àr¹zÀ ¸ÀªÄÀ AiÀÄ¢AzÀ MAzÀÄ
UÀAmÉAiÉÆ¼ÀUÉ PÉÆÃgÀA E®èzÀ ¥ÀPëÀzÀ°è CAxÀ ¸À¨sÉAiÀÄ£ÀÄß ªÀÄÄAzÀÆqÀvPÀ ÀÌzÀÄÝ.
¥ÀgÀAvÀÄ, CAxÀ ¸À¨sÉAiÀÄ£ÀÄß ¸Àz¸ À ÀågÀ PÉÆÃjPÉAiÀÄ ªÉÄÃgÉUÉ PÀg¢ É zÀÝgÉ, CAxÀ ¸À¨sÉAiÀÄ£ÀÄß «¸Àfð¸ÀvPÀ ÀÌzÀÄÝ.
(2) ¸À¨sÉAiÀÄ PÀ¯Á¥ÀªÀ£ÄÀ ß £Àq¸ É ÀÄwÛgÄÀ ªÁUÀ AiÀiÁªÀÅzÉÃ PÁ®PÉÌ ¸À¨sÉAiÀÄ°è ºÁdjgÀÄªÀ ¸Àz¸ À ÀågÀ ¸ÀASÉåAiÀÄÄ
PÉÆÃgÀAVAvÀ PÀrªÉÄ EzÀÝ ¥ÀPëÀzÀ°è, ¸À¨sÁ¥ÀwAiÀÄÄ vÁ£ÁVAiÉÄÃ CxÀªÁ CªÀ£À UÀªÀÄ£ÀPÌÉ vÀAzÁUÀ ¸À¨sÉAiÀÄ£ÀÄß
ªÀÄÄAzÀÆqÀvÀPÌÀ zÀÄÝ.
(3) ªÉÄÃ°£ÀAvÉ ¸À¨sÉAiÀÄÄ ªÀÄÄAzÀÆqÀ®àmÁÖUÀ, ªÀÄÄAzÀÄªÀgÉzÀ ¸À¨sÉAiÀÄ£ÀÄß D ¢£ÀzÀAzÀÄ CxÀªÁ
ªÀÄÄAzÀÆrzÀ ¢£ÁAPÀ¢AzÀ 7 ¢£ÀUÀ¼À M¼ÀUÉ ¸À¨sÁ¥ÀwAiÀÄÄ UÉÆvÀÄÛ¥Àr¹zÀ CAxÀ ¸ÀÜ¼ÀzÀ°è ªÀÄvÀÄÛ CAxÀ
¢£ÁAPÀ ªÀÄvÀÄÛ ªÉÃ¼ÉAiÀÄ°è £Àq¸ É ÀvPÀ ÀÌzÀÄÝ. CAxÀ ªÀÄÄAzÀÄªÀgÉzÀ ¸À¨sÉAiÀÄ°è ªÀÄÄAzÀÆrzÀ ¸À¨sÉAiÀÄ
CeÉAqÁzÀ°è £ÀªÄÀ Æ¢¹gÀÄªÀ «µÀAiÀÄUÀ¼À£ÄÀ ß ºÉÆgÀvÀÄ¥Àr¹ ¨ÉÃgÉ AiÀiÁªÀÅzÉÃ «µÀAiÀÄªÀ£ÄÀ ß ZÀað¸ÀvPÀ ÀÌzÀÝ®è.
ªÀÄvÀÄÛ ¤tðAiÀÄ vÉUz É ÀÄPÉÆ¼ÀîvÀPÌÀ zÀÝ®è. ªÀÄÄAzÀÄªÀgÉzÀ ¸À¨sÉUÀÆ ¸ÀºÀ PÀ¯Á¥Àª£ À ÀÄß £Àq¸ É À®Ä PÉÆÃgÀA
CUÀvÀå«gÀvÀPÌÀ zÀÄÝ.
42. ADJOURNMENT OF THE GENERAL MEETING : (1) No business shall be
transacted at any general meeting unless there is a quorum at the time when the business
of the meeting is due to commence. If within an hour from the time fixed for the
meeting, the number of directors required for the quorum is not present, the meeting
shall stand adjourned.
(2) If at any time during the meeting, sufficient number of members are not present to
form the quorum, the chairperson of the meeting either suomotu or on his attention being
drawn to this fact, shall adjourn the meeting.
(3) When the meeting is adjourned as above, the adjourned meeting shall be held on that
35
day itself or at such place and such date and time as may be fixed by the Chairperson of
the meeting within seven days from the date of adjournment. In such an adjourned
meeting, no subject other than those listed in the agenda of the meeting adjourned shall
be discussed and decision taken. Even for the adjourned meeting, there shall be the
required quorum for transacting the business.
42. «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨És : (1) ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß ©lÄÖ G½zÀ J¯Áè ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À£ÀÆß
«±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼ÉAzÀÄ PÀgÉAiÀÄvÀPÌÀ zÀÄÝ, CAvÀºÀ «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄÄ vÀ£ßÀ
C¢üPÁgÀ ªÁå¦ÛAiÀÄ°è AiÀiÁªÁUÀ ¨ÉÃPÁzÀgÆ À PÀgÉAiÀÄ§ºÀÄzÀÄ CAxÀ «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄÄ ¨ÁåAQ£À
G¥À«¢üUÀ¼À ¥ÀPæ ÁgÀ ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è £Àq¸ É À§ºÀÄzÁzÀ J¯Áè ªÀåªÀºÁgÀU¼ À À£ÄÀ ß £ÀqÉ¸À®Ä
C¢üPÁgÀ ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
(2) ¨ÁåAQ£À MlÄÖ ¸ÀzÀ¸ÀågÀ ¥ÉÊQ 1/5 gÀµÀÄÖ ªÀÄvÀ¤ÃqÀÄªÀ ºÀPÄÀ Ì¼Àî ¸Àz¸ À ÀågÀÄ CxÀªÁ jf¸ÁÖçgÀ£ÀÄ °TvÀªÁV
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ PÉÆÃjPÉAiÀÄ£ÀÄß ¸À°è¹zÀ°è, CAvÀºÀ PÉÆÃjPÉAiÀÄÄ §AzÀ vÁjÃT¤AzÀ MAzÀÄ
wAUÀ¼ÉÆ¼ÀUÁV ªÀÄAqÀ°AiÀÄÄ «±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ£ÀÄß PÀgÉAiÀÄvÀPÌÀ zÀÄÝ. CAxÀ PÉÆÃjPÉAiÀÄ°è
¤UÀ¢¥Àr¹zÀ «µÀAiÀÄªÀ£ßÀ ®èzÉ ¨ÉÃgÉ AiÀiÁªÀ «µÀAiÀÄªÀ£ÀÆß D ¸À¨sÉAiÀÄ°è ZÀað¸ÀvPÀ ÀÌzÀÝ®è. ¸Àz¸ À ÀågÀ PÉÆÃjPÉ
ªÉÄÃgÉUÉ K¥Àðr¹zÀ ¸ÀÄ sÉ iÀiÁVzÀÝ°è ¤UÀ¢vÀ ªÉÃ¼ÉAiÀÄ MAzÀÄ WÀAmÉAiÉÆ¼ÀUÁV ¸À¨sÁªÀ±ÀåPÀ ¸ÀASÉå
(PÉÆÃgÀA) E®è¢zÀÝgÉ, D ¸À¨sÉAiÀÄ£ÀÄß «¸Àfð¸ÀvPÀ ÀÌzÀÄÝ.
42. SPECIAL GENERAL MEETING : (1) All general meetings other than an annual
general meeting shall be called special general meetings. The board may call a special
general meeting at any time and such special general meeting shall have power to
transact all business which can be transacted at an annual general meeting under the
byelaws of the bank.
(2) If 1/5th of the total number of members of the bank with voting right make a
requisition or the Registrar makes a requisition in writing to the Chief Executive, the
board shall call a special general meeting within one month from the date of receipt of
such requisition. No business other than that mentioned in the requisition shall be
transacted at such a meeting. A special general meeting called on the requisition of the
members shall be dissolved if there is no quorum within an hour after the time fixed for
the meeting.
43. ªÀÄvÀ ¤ÃrPÉ : (1) PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À°è CxÀªÁ F G¥À«¢üUÀ¼À°è C£ÀåxÁ G¥À§A¢ü¸ÀzÀ ºÉÆgÀvÀÄ,
J®è «µÀAiÀÄUÀ¼À£ÄÀ ß ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è ºÁdjzÀÝ CºÀð ¸Àz¸ À ÀågÀ §ºÀÄªÀÄvÀzÀ ¤tðAiÀÄzÀ ªÀÄÆ®PÀ
¤zsðÀ j¸ÀvPÀ ÀÌzÀÄÝ;
(2) vÁ£ÀÄ ºÉÆA¢gÀÄªÀ µÉÃgÀÄUÀ¼ÀÄ JµÉÖÃ EzÀÝgÀÆ, ¥Àw æ AiÉÆ§â ¸Àz¸ À Àå¤UÀÆ MAzÀÄ ªÀÄvÀ ¤ÃqÀÄªÀ ºÀPÄÀ Ì
ªÀiÁvÀæ EgÀvÀPÌÀ zÀÄÝ. ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß ºÉÆgÀvÀÄ¥Àr¹ EvÀgÀ AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ ªÉÄÃ°£À ¤tðAiÀÄzÀ ¥ÀgÀ
ªÀÄvÀÄÛ «gÀÄzÀÞªÁV ¸ÀªÄÀ £ÁzÀ ªÀÄvÀU¼ À ÀÄ §AzÀ°è, ¸À¨sÁ¥ÀwUÉ JgÀqÀ£A É iÀÄ CxÀªÁ ¤uÁðAiÀÄPÀ ªÀÄvÀ
(PÁ¹ÖAUï Nmï) ¤ÃqÀ®Ä ºÀQÌgÀvÀPÌÀ zÀÄÝ;
(3) CºÀð ¸Àz¸ À Àå¤UÉ ªÀÄvÀ ¤ÃqÀÄªÀ ºÀPÀÄÌ EgÀÄvÀÛzÉ..
(4) £ÉÆÃAzÁ¬ÄvÀ ¸ÀAWÀ CxÀªÁ ¥Á®ÄUÁjPÉ ¸ÀA¸ÉÜ CxÀªÁ PÀA¥À¤ CxÀªÁ ¨ÁrPÁ¥ÉÆÃðgÉÃmï
CxÀªÁ EvÀgÉ AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁgÉÃvÀgÀ ¸ÀA¸ÉÜAiÀÄÄ ¨ÁåAQ£À CºÀð ¸Àz¸ À Àå ¸ÀA¸ÉÜ¬ÄAzÀ £ÁªÀÄ
36
¤zÉÃð±À£ÀUÉÆAqÀ ªÀåQÛAiÀÄÄ ¨ÁåAQ£À ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è / ZÀÄ£ÁªÀuÉAiÀÄ°è ¨sÁUÀªÀ»¸À§ºÀÄzÀÄ ªÀÄvÀÄÛ
ªÀÄvÀ ZÀ¯Á¬Ä¸À§ºÀÄzÀÄ.
43. VOTING : (1) Except as otherwise provided in the Act, the rules or the byelaws, all
subjects shall be decided by a majority of votes of the eligible members with right to
vote present and voting at a general meeting:
(2) Every member shall have one vote irrespective of the number of shares held by him.
The chairperson of a meeting shall have a casting vote which he may exercise in the
event of an equality of votes for and against any resolution on all matters, except
election matters;
(3) Only eligible members shall have the right to vote.
(4) Where a registered society or a partnership firm or a company or a body corporate or
any other non-coperative institution is a eligible member may nominate a person to
participate in the general meeting /election and exercise the right to vote;
44. ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ ºÁUÀÆ ªÀÄAqÀ°AiÀÄ ¸À¨És £ÀqÉAiÀÄÄªÀ ¸ÀÜ¼À : ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ ªÀÄvÀÄÛ ¨ÁåAQ£À
ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ¼À£ÀÄß ¨ÁåAQ£À £ÉÆÃAzÁ¬ÄvÀ PÀbÉÃjAiÀÄ°è £Àq¸ É ÀvPÀ ÀÌzÀÄÝ. C°è ¸ÁPÀµÄÀ Ö ¸ÀÜ¼ÁªÀPÁ±À
E®èzÉ EzÀÝ ¥ÀPëÀzÀ°è PÁAiÉÄÝ PÀ®A 113(2) gÀ ªÉÄÃgÉUÉ ¨ÁåAQ£À £ÉÆÃAzÁ¬ÄvÀ PÀbÉÃjAiÀÄÄ EgÀÄªÀ £ÀUÀgÀ
CxÀªÁ ¥ÀlÖtzÀ ¨ÉÃgÁªÀÅzÉÃ ¸ÀÜ¼Àz° À è £Àq¸
É À§ºÀÄzÀÄ.
44. PLACE OF GENERAL BODY AND BOARD MEETINGS: The general body
and board meetings shall be held in the registered office of the bank. If there is no
sufficient accommodation, then the same may be held in some other place in the same
city or town where the bank's registered office is situated, under sub-section (2) of
section 113 of the Act.
45. ªÀÄAqÀ°AiÀÄ gÀZÀ£É :
¨ÁåAQ£À ªÀåªÀ¸ÁÜ¥£ À ÉAiÀÄ C¢üPÁgÀªÀÅ PÁAiÉÄÝ, ¤AiÀÄªÀÄ ªÀÄvÀÄÛ G¥À«¢üUÀ½UÉ C£ÀÄUÀÄtªÁV gÀa¸À¯ÁzÀ
..................... d£À ¤zÉÃð±ÀPg À £
À ÉÆß¼ÀUÉÆAqÀ ªÀÄAqÀ°UÉ EgÀvÀPÌÀ zÀÄÝ. EªÀÅUÀ¼À°è MAzÀÄ ¸ÁÜ£ª À À£ÄÀ ß ¥Àj²µÀ×
eÁw ªÀÄvÀÄÛ ¥Àj²µÀ× ªÀUÀðUÀ½UÉ ¸ÉÃjzÀ ¸Àz¸ À ÀåjUÉ, JgÀqÀÄ ¸ÁÜ£UÀ ¼
À À£ÄÀ ß ªÀÄ»¼Á ªÀUÀðzÀ ¸Àz¸ À ÀåjUÉ ªÀÄvÀÄÛ
MAzÀÄ ¸ÁÜ£Àª£ À ÀÄß »AzÀÄ½zÀ ªÀUÀðPÉÌ ¸ÉÃjzÀ ¸ÀzÀ¸ÀåjUÉ «ÄÃ¸À°j¸ÀvÀPÀÌzÀÄÝ.
1. ªÀÄAqÀ°AiÀÄÄ ¨ÁåAQAUï, ªÀåªÀ¸ÁÜ¥£ À É ºÁUÀÆ ºÀtPÁ¸ÀÄ ¤ªÀðºÀuÉAiÀÄ°è C£ÀÄ¨sÀªÀ«gÀÄªÀ CxÀªÁ
¨ÁåAPÀÄ PÉÊUÉÆAqÀ GzÉÝÃ±ÀU½ À UÉ ªÀÄvÀÄÛ ZÀlÄªÀnPÉU½ À UÉ ¸ÀA§A¢ü¹zÀ AiÀiÁªÀÅzÉÃ EvÀgÀ PÉëÃvÀæzÀ°è
¥ÀjtwAiÀÄ£ÀÄß ºÉÆA¢gÀÄªÀ E§âgÀÄ ªÀåQÛUÀ¼À£ÀÄß ªÀÄAqÀ°AiÀÄ ªÀÈwÛ¥ÀgÀ ¤zÉÃð±ÀPÀgÀ£ÁßV
¸Àºª À ÀÄvÀ¢AzÀ (PÉÆÃ-D¥Àë£ï) ¸ÉÃj¹PÉÆ¼ÀîvÀPÌÀ zÀÄÝ. ºÁUÉ ¸Àºª À ÀÄvÀ¢AzÀ ¸ÉÃj¹PÉÆ¼Àî¯ÁzÀ
¤zÉÃð±ÀPÀgÀÄ AiÀiÁªÀÅzÉÃ ZÀÄ£ÁªÀuÉAiÀÄ°è ªÀÄvÀzÁ£À ªÀiÁqÀÄªÀ ºÀPÄÀ Ì ºÉÆA¢gÀvPÀ ÀÌzÀÝ®è. ªÀÄvÀÄÛ
ªÀÄAqÀ°AiÀÄ ¥ÀzÁ¢üPÁjUÀ¼ÁV ZÀÄ£Á¬ÄvÀgÁUÀ®Ä CºÀðgÁVgÀvPÀ ÀÌzÀÝ®è. ºÁUÉ ¸Àºª À ÀÄvÀ¢AzÀ
¸ÉÃj¹PÉÆ¼Àî¯ÁzÀ ¤zÉÃð±ÀPÀgÀ£ÄÀ ß ªÀÄAqÀ°AiÀÄ MlÄÖ ¤zÉÃð±ÀPÀgÀ ¸ÀASÉåAiÀÄ£ÀÄß UÀtÂ¸ÀÄªÀ
GzÉÝÃ±ÀPÁÌV ºÉÆgÀvÀÄ¥Àr¸ÀvPÀ ÀÌzÀÄÝ. ºÁUÀÆ ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ¼À£ÀÄß £Àq¸ É À®Ä PÉÆÃgÀA£À
¨sÁUÀªÁVgÀvÀPÌÀ zÀÝ®è JAzÀÄ ¥ÀjUÀtÂ¸ÀvPÀ ÀÌzÀÄÝ;
2. EzÀ®èzÉ, DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ «±ÉÃµÀ CºÁé¤vÀgÀÄ JA§ ªÀUÀðzÀrAiÀÄ°è E§âgÀ£ÀÄß «ÄÃgÀzA À vÉ
UËgÀªÁ¤évÀ ªÀåQÛUÀ¼À£ÄÀ ß PÉÆÃ D¥ïÖ ªÀiÁrPÉÆ¼Àî§ºÀÄzÀÄ. »ÃUÉ ¸ÉÃj¹PÉÆ¼Àî¯ÁzÀ «±ÉÃµÀ CºÁé¤vÀgÄÀ
37
AiÀiÁªÀÅzÉÃ ZÀÄ£ÁªÀuÉAiÀÄ°è ªÀÄvÀzÁ£À ªÀiÁqÀÄªÀ ºÀPÄÀ Ì ºÉÆA¢gÀvÀPÌÀ zÀÝ®è. ªÀÄvÀÄÛ ªÀÄAqÀ°AiÀÄ
¥ÀzÁ¢üPÁjUÀ¼ÁV ZÀÄ£Á¬ÄvÀgÁUÀ®Ä CºÀðgÁVgÀvPÀ ÀÌzÀÝ®è. ºÁUÉ ¸Àºª À ÀÄvÀ¢AzÀ ¸ÉÃj¹PÉÆ¼Àî¯ÁzÀ
¤zÉÃð±ÀPÀgÀ£ÄÀ ß ªÀÄAqÀ°AiÀÄ MlÄÖ ¤zÉÃð±ÀPÀgÀ ¸ÀASÉåAiÀÄ£ÀÄß UÀtÂ¸ÀÄªÀ GzÉÝÃ±ÀPÁÌV
ºÉÆgÀvÀÄ¥Àr¸ÀvPÀ ÀÌzÀÄÝ. ºÁUÀÆ ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ¼À£ÄÀ ß £Àq¸ É À®Ä PÉÆÃgÀA£À ¨sÁUÀªÁVgÀvÀPÌÀ zÀÝ®è
JAzÀÄ ¥ÀjUÀtÂ¸ÀvPÀ ÀÌzÀÄÝ;
3. «±ÉÃµÀ DºÁé¤vÀjUÉ EvÀgÀ ¤zÉðÃ±ÀPj À UÉ ®¨såÀ «gÀÄªÀ ¸À¨sÁ ¨sv À Éå, UËgÀªÀ zs£À À, ¥ÀA
æ iÀiÁt ¨sÀvåÉ
ºÁUÀÆ EvÀgÀ ¸ÀA¨sÁªÀ£U É ¼
À ÀÄ ºÁUÀÆ ¸ÀªÀ®vÀÄÛUÀ¼ÀÄ ®¨såÀ «gÀÄvÀÛªÉ.
4. ¨ÁåAQ£À ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ¥Àz¤ À «ÄvÀÛ DqÀ½vÀ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀP£ À ÁVgÀvÀPÌÀ zÀÄÝ.
DzÀg,É DvÀ£ÀÄ ¥ÀzÁ¢üPÁjUÀ¼À ZÀÄ£ÁªÀuÉAiÀÄ°è ªÀÄvÀzÁ£ÀzÀ ºÀPÌÀ £ÀÄß ºÉÆA¢gÀvPÀ ÀÌzÀÝ®è.
45. Constitution Of The Board :
The management of the bank shall vest in a board consisting of …………….. directors
constituted in accordance with the provisions of the Act, the rules and the byelaws. Of
this, one seat for the members belonging to scheduled castes and scheduled tribes, two
seats for the members belonging to women and one seat for the members belonging to
the backward clases, shall be reserved;
1. the board shall co-opt two persons having experience in the field of banking,
management, finance or specialization In any other field relating to the objects
and activities undertaken by the bank as professional directors. The directors so
co-opted shall not have the right to vote in any election of the bank or to be
eligible to be elected as office-bearers of the board. The directors so co-opted
shall be excluded for the purpose of counting the total number of directors of the
board and shall not form a part of the quorum for the conduct of a board meeting;
2. In addition the board can co-opt not more than two persons of eminence as
special invitees. The special invitees so co-opted shall not have the right to vote
in any election of the bank or to be eligible to be elected as office-bearers of the
board. The special invitees so co-opted shall be excluded for the purpose of
counting the total number of directors of the board and shall not form a part of
the quorum for the conduct of a board meeting;
3. The special invitees so co-opted shall be eligible for all the remuneration, TA,
DA and other allowances paid to the directors in connection with their duties in
that capacity or their attendance at related meetings ;
4. The chief executive of the bank shall be an ex-officio member of the board. He
shall be the Secretary to the Board. But, he shall not have the right to vote in the
election of the office-bearers.
46. ªÀÄAqÀ°AiÀÄ ¥ÀzÁªÀ¢ü : PÁAiÉÄÝAiÀÄ PÀ®A 28J(4)gÀ ¥ÀPæ ÁgÀ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPÀgÀ ¥ÀzÁªÀ¢A ü iÀÄÄ
ZÀÄ£ÁªÀuÉ £Àqz É À ¢£ÁAPÀ¢AzÀ LzÀÄ ªÀµð À UÀ¼ÀÄ DVgÀvPÀ ÀÌzÀÄÝ. ºÉÆ¸ÀzÁV ZÀÄ£Á¬ÄvÀgÁzÀ ¤zÉÃð±ÀPÀgÀÄ
¤UÀð«Ä¸ÀÄwÛgÄÀ ªÀ ªÀÄAqÀ°AiÀÄ ¥ÀzÁªÀ¢A ü iÀÄÄ ªÀÄÄPÁÛAiÀÄªÁzÀ PÀÆqÀ¯ÉÃ ¥Àzz À sÁgÀt ªÀiÁqÀÄªÀÅzÀ£ÀÄß
SÁwæUÉÆ½¸ÀÄªÀ ºÁUÉ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPg À À ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß ¤UÀð«Ä¸ÀÄwÛgÄÀ ªÀ ªÀÄAqÀ°AiÀÄ
¥ÀzÁªÀ¢Aü iÀÄÄ ªÀÄÄPÁÛAiÀÄªÁUÀÄªÀ ¤PÀl¥ÀÆªÀðzÀ°è £Àq¸ É ÀvPÀ ÀÌzÀÄÝ.
38
46. TERM OF OFFICE OF THE BOARD :
The term of office of the board shall be five years from the date of election as per
section 28A(4) of the Act. The election of a board shall be conducted before the expiry
of the term of office of the outgoing board so as to ensure that the newly elected
directors of the board assume office immediately on the expiry of the term of office of
the outgoing board.
47. ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPgÀ À ZÀÄ£ÁªÀuÉ:
1. ¥Áæw¤¢üPÀ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄªÀ£ÄÀ ß¼Àî ¨ÁåAQ£À ¸ÀA§AzsÀzÀ°è ¨ÁåAQ£À ¤zÉÃð±ÀPÀgÀ ¸ÁªÀiÁ£Àå
ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £ÀqÉ¸ÀÄªÀ, C£ÀéAiÀÄªÁUÀÄªÀµÖÀgÀ ªÀÄnÖUÉ AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀPÀgÀ ¸ÁÜ£z
À À°è
GAmÁUÀÄªÀ DPÀ¹äPÀ SÁ°¸ÁÜ£PÀ ÉÌ ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £Àq¸ É ÀÄªÀ ªÀÄvÀÄÛ ¥ÀzÁ¢üPÁjUÀ¼À
ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £Àq¸ É ÀÄªÀ ºÁUÀÆ vÀvÀìA§AzsÀzÀ ªÀÄvÀzÁgÀgÀ ¥ÀnÖ vÀAiÀiÁj¸ÀÄªÀ C¢üÃPÀëuÉ,
¤zÉÃð±À£À ªÀÄvÀÄÛ ¤AiÀÄAvÀætªÀÅ ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀzÀ°è ¤»vÀªÁVgÀvPÀ ÀÌzÀÄÝ.
2. ¨ÁåAQ£À ªÀÄAqÀ°AiÀÄÄ –
 vÀ£ßÀ ¥ÀzÁªÀ¢A
ü iÀÄ ªÀÄÄPÁÛAiÀÄzÀ §UÉÎ CAxÀ ¥ÀzÁªÀ¢Aü iÀÄÄ ªÀÄÄPÁÛAiÀÄªÁUÀÄªÀ ¢£ÁAPÀPÌÉ
»A¢£À PÀ¤µÀ× DgÀÄ wAUÀ½UÉ ªÀÄÄAZÉ ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÌÉ w½¸ÀvPÀ ÀÌzÀÄÝ;
 ªÀÄgÀt, gÁfÃ£ÁªÉÄ, C£Àºð À vÉ EvÁå¢ AiÀiÁªÀÅzÉÃ PÁgÀt¢AzÀ ¤zÉÃð±ÀPÀ£À ¸ÁÜ£z
À À°è
CxÀªÁ ¥ÀzÁ¢üPÁjUÀ¼À ¥Àzz À À°è DPÀ¹äPÀ SÁ° ¸ÁÜ£À GAmÁzÀ°è, D §UÉÎ PÀÆqÀ¯ÉÃ
¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÉÌ w½¸ÀvÀPÌÀ zÀÄÝ;
 ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀªÀÅ ¤AiÀÄ«Ä¸À§ºÀÄzÁzÀAxÀ PÁå¯ÉAqÀgï ¥ÀPæ ÁgÀ CzÀÄ
CUÀvÀå¥Àr¸À§ºÀÄzÁzÀAxÀ ¥ÀÄ¸ÀÛPÀU¼
À À£ÄÀ ß, zÁR¯ÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ ªÀiÁ»wAiÀÄ£ÀÄß
MzÀV¸ÀvPÀ ÀÌzÀÄÝ; ªÀÄvÀÄÛ
 ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀªÀÅ ¸ÀÄUÀªÄÀ ªÁV ªÀÄvÀzÁgÀgÀ ¥ÀnÖUÀ¼À£ÄÀ ß vÀAiÀiÁj¸ÀÄªÀÅzÀPÉÌ
ªÀÄvÀÄÛ ZÀÄ£ÁªÀuÉUÀ¼À£ÄÀ ß £Àq¸ É ÀÄªÀÅzÀPÌÉ CªÀ±ÀåªÁzÀ J¯Áè £ÉgÀªÅÀ , ¸ÀºÁAiÀÄ ªÀÄvÀÄÛ
¸ÀºPÀ ÁgÀª£ À ÀÄß ¤ÃqÀvPÀ ÀÌzÀÄÝ;
3. ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀªÀÅ ªÀÄvÀzÁgÀgÀ ¥ÀnÖAiÀÄ vÀAiÀiÁjPÉUÁV ªÀÄvÀÄÛ ZÀÄ£ÁªÀuÉUÀ¼À£ÄÀ ß
£Àq¸ É ÀÄªÀÅzÀPÁÌV ¥ÀÆªÀð¹zÀÞvÁ PÁAiÀÄðªÀ£ÀÄß ¨ÁåAQ£À ªÀÄAqÀ°AiÀÄ ¥ÀzÁªÀ¢üAiÀÄ ªÀÄÄPÁÛAiÀÄzÀ
»A¢£À PÉÆ£ÉAiÀÄ DgÀÄ wAUÀ¼À CªÀ¢üAiÀÄ°è ¥ÁægA À ©ü¸À§ºÀÄzÀÄ;
4. ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀªÀÅ ¨ÁåAQ£À ¤UÀð«Ä¸ÀÄwÛgÄÀ ªÀ ªÀÄAqÀ°AiÀÄ ¥ÀzÁªÀ¢A ü iÀÄÄ
ªÀÄÄPÁÛAiÀÄªÁzÀ PÀÆqÀ¯ÉÃ ºÉÆ¸ÀzÁV ZÀÄ£Á¬ÄvÀgÁzÀ ¤zÉÃð±ÀPg À ÄÀ ¥Àz« À zsÁgÀt ªÀiÁqÀÄªÀÅzÀ£ÄÀ ß
SÁwæUÉÆ½¸ÀÄªÀ ºÁUÉ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPg À À ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß ¤UÀð«Ä¸ÀÄwÛgÄÀ ªÀ ªÀÄAqÀ°AiÀÄ
¥ÀzÁªÀ¢A ü iÀÄÄ ªÀÄÄPÁÛAiÀÄªÁUÀÄªÀ ¤PÀl¥ÀÆªÀðzÀ°è £Àq¸ É ÀÄªÀ dªÁ¨ÁÝjAiÀÄÄ ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ
DAiÉÆÃUÀPÉÌ EgÀvÀPÌÀ zÀÄÝ.
5. ªÀÄvÀzÁgÀgÀ ¥ÀnÖ vÀAiÀiÁj¸ÀÄ«PÉUÉ ªÀÄvÀÄÛ ZÀÄ£ÁªÀuÉU¼ À À£ÄÀ ß £Àq¸ É ÀÄªÀÅzÀPÉÌ vÀUÀ®ÄªÀ ªÉZª
ÀÑ À£ÄÀ ß
¤AiÀÄªÀÄUÀ¼À°è ¤UÀ¢¥Àr¸À§ºÀÄzÁzÀAvÉ ¨ÁåAPÀÄ ¨sÀj¸ÀvPÀ ÀÌzÀÄÝ.
6. ¨ÁåAQ£À AiÀiÁgÉÃ ¥Àw æ ¤¢üAiÀÄ CxÀªÁ ¤zÉÃð±ÀP£ À À ¥Àzz À À°è AiÀiÁªÀÅzÉÃ DPÀ¹äPÀ SÁ° ¸ÁÜ£À
GAmÁVgÀÄªÀ §UÉÎ CzÀPÉÌ w½ªÀ½PÉ PÉÆlÖ ¢£ÁAPÀ¢AzÀ CgÀªÀvÄÀ Û ¢£ÀUÀ¼ÉÆ¼ÀUÁV CAvÀºÀ DPÀ¹äPÀ
39
SÁ° ¸ÁÜ£ª À À£ÄÀ ß ¨sw
À ð ªÀiÁqÀ®Ä ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £Àq¸
É ÀÄªÀ dªÁ¨ÁÝjAiÀÄÄ ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ
DAiÉÆÃUÀPÉÌ EgÀvÀPÌÀ zÀÄÝ.
47. ELECTION OF THE DIRECTORS OF THE BOARD :

1. The superintendence, direction and control of every general election of the
directors of the board election to any casual vacancy in the office of a director to
the extent applicable and election of the office-bearers and preparation of the
related electoral rolls shall vest in the cooperative election commission.
2. The board of the bank shall –
i. inform the cooperative election commission about the expiry of its
term of office at least six months before the date of expiry of such
term;
ii. inform the co-operative election commission immediately on the
occurrence of any casual vacancy in the office of a representative or
a director or an office-bearer due to death, resignation,
disqualification or for any other reason;
iii. furnish such books, records and information as the commission may
require as per the calender of events prescribed by it; and
iv. provide all necessary help, assistance and cooperation for the smooth
preparation of the electoral rolls for and the conduct of elections.
3. The cooperative election commission may start the preparatory work for the
preparation of the electoral rolls for and the conduct of elections during the last
six months prior to the expiry of the term of office of the board.
4. The responsibility of conducting elections of directors to the board of the bank
before the expiry of the term of office of the outgoing board so as to ensure that
the newly elected directors of the board assume office immediately on the expiry
of the term of office of the outgoing board, lies with the co-operative elections
commission.
5. The cost of preparation of electoral rolls for and the cost of elections shall be met
by the bank as may be prescribed in the rules.
6. The responsibility of conducting elections to fill up any casual vacancy in the
office a director of the bank within sixty days from the date of it being notified
about the occurance of such casual vacancy lies with the co-operative election
commission.
48. ¥ÀzÁ¢üPÁjUÀ¼À ZÀÄ£ÁªÀuÉ :
(1) ¨ÁåAQ£À ¥ÀzÁ¢üPÁjUÀ¼À ¥ÀzÁªÀ¢A ü iÀÄÄ ZÀÄ£ÁªÀuÉAiÀÄ ¢£ÁAPÀ¢AzÀ LzÀÄ ªÀµð À UÀ¼ÁVgÀvÀPÌÀ zÀÄÝ ªÀÄvÀÄÛ
CzÀÄ ªÀÄAqÀ°AiÀÄ CªÀ¢üAiÀÄ eÉÆvÉUÉ CAvÀåUÉÆ¼ÀîvÀPÀÌzÀÄÝ.
(2) ¸ÁªÀiÁ£Àå ZÀÄ£ÁªÀuÉAiÀÄ vÀgÄÀ ªÁAiÀÄ, ªÀÄAqÀ°AiÀÄÄ gÀZ£ À ÉAiÀiÁzÀ À ¢£ÁAPÀ¢AzÀ ºÀ¢£ÉÊzÀÄ
¢£ÀUÀ¼ÉÆ¼ÀUÁV CzsåÀ PÀë£À ¥ÀzPÀ ÉÌ, G¥ÁzsåÀ PÀë£À ¥ÀzPÀ ÉÌ ªÀÄvÀÄÛ EvÀgÀ AiÀiÁªÀÅzÉÃ ¥ÀzÁ¢üPÁjAiÀÄ ¥ÀzPÀ ÉÌ, EzÀÝ°è,
40
ZÀÄ£ÁªÀuÉUÀ¼À£ÄÀ ß £Àq¸
É ÀÄªÀ dªÁ¨ÁÝjAiÀÄÄ ¸ÀºÀPÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÉÌ EgÀÄvÀÛzÉ.
(3) ¨ÁåAQ£À AiÀiÁgÉÃ ¥ÀzÁ¢üPÁjAiÀÄ ¥Àzz À À°è AiÀiÁªÀÅzÉÃ DPÀ¹äPÀ SÁ° ¸ÁÜ£À GAmÁVgÀÄªÀ §UÉÎ CzÀPÉÌ
w½ªÀ½PÉ PÉÆlÖ ¢£ÁAPÀ¢AzÀ CgÀªÀvÄÀ Û ¢£ÀUÀ¼ÉÆ¼ÀUÁV, CAxÀ DPÀ¹äPÀ SÁ° ¸ÁÜ£ª À À£ÄÀ ß ¨sw
À ð ªÀiÁqÀ®Ä
ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £Àq¸ É ÀÄªÀ dªÁ¨ÁÝjAiÀÄÄ ¸ÀºÀPÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÉÌ EgÀÄvÀÛzÉ.
48. ELECTION OF OFFICE-BEARERS :
(1) The term of office of the office bearers of the bank shall be five years from the date
of election and shall be co-terminus with the term of the board.
(2) The responsibility of counducting elections to the office of the President, Vice-
President and any other office-bearer, if any, within fifteen days from the date of
constitution of the board after a general election lies with the co-operative election
commission.
(3) The responsibility of counducting election to fill up any casual vacancy in the office
of any office-bearer of the bank within sixty days from the date of it being notified about
the occurrence of such casual vacancy lies with the co-operative election commission.
49.£ÀÆvÀ£À ¤zÉðÃ±ÀPÀgÀ ¥ÀæªÀiÁt ªÀZÀ£À
C£ÀÄ§AzsÀ ----- gÀ°è ¤ÃrgÀÄªÀ ªÀiÁzÀjAiÀÄ°è ZÀÄ£Á¬ÄvÀ£ÁzÀ/£ÉÃªÀÄPÀUÉÆArgÀÄªÀ ¥Àw æ AiÉÆ§â £ÀÆvÀ£À
¤zÉðÃ±ÀPÀ£ÆÀ °TvÀ ¥ÀæªÀiÁtªÀZÀ£z À À°è ¸À» ªÀiÁqÀ¨ÃÉ PÀÄ.
49.Oath by newly elected Directors

Every newly elected/coopted/appointed Director shall sign a written Oath as per the
format provided in the Annexure No.
50. ªÀÄAqÀ°AiÀÄ ¸ÀÜ sÉ À¼ÀÄ :

ªÀÄAqÀ° ªÀÄvÀÄÛ G¥À¸À«ÄwUÀ¼À ¸À¨sÉUÀ¼À£ÄÀ ß ¨ÁåAQ£À £ÉÆÃAzÁ¬ÄvÀ PÀbÉÃjAiÀÄ°è CxÀªÁ AiÀiÁªÀÅzÉÃ
±ÁSÉAiÀÄ°è CxÀªÁ DqÀ½vÀ ªÀÄAqÀ°UÉ ¸ÀÆPÀÛªÉAzÀÄ PÀAqÀÄ §AzÀ ¸ÀÜ¼Àz° À è £Àq¸É ÀvPÀ ÀÌzÀÄÝ;
(1) ªÀÄAqÀ°AiÀÄÄ ¨ÁåAQ£À ªÀåªÀºÁgÀU¼ À À£ÄÀ ß ¤ªÀð»¸À®Ä CUÀvÀå ©zÁÝUÀ AiÀiÁªÁUÀ¯ÁzÀgÆ À
¸À¨sÉ ¸ÉÃgÀ§ºÀÄzÀÄ DzÀgÉ, PÀ¤µÀ×¥ÀPëÀ ªÀÄÆgÀÄ wAUÀ¼ÀÄUÀ¼À°è MªÉÄäAiÀiÁzÀgÆ À ¸À¨sÉ ¸ÉÃgÀvÀPÌÀ zÀÄÝ;
(2) CzsåÀ PÀëgÆÉ A¢UÉ ¸ÀªiÀ Á¯ÉÆÃa¹ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ£ÀÄß
PÀgÉAiÀÄvÀPÌÀ zÀÄÝ. ¸À¨sÉAiÀÄÄ £ÀqA É iÀÄÄªÀ ¸ÀÜ¼À, ¢£ÁAPÀ ªÀÄvÀÄÛ ªÉÃ¼ÉAiÀÄ£ÀÄß w½¹ CeÉAqÁ ¸À»vÀ
£ÉÆÃnÃ¸À£ÄÀ ß K¼ÀÄ ¸ÀàµÖÀ ¢£À ªÀÄÄAavÀªÁV J¯Áè ¤zÉÃð±ÀPÀjUÉ PÀ¼ÀÄ»¹PÉÆqÀvÀPÌÀ zÀÄÝ. £ÉÆÃnÃ¸ï
£ÀÄß F PÉ¼ÀPA À qÀ «zsU À ¼
À À°è PÀ¼ÀÄ»¸À§ºÀÄzÀÄ:
 ¹áÃqï ¥ÉÇÃ¸ïÖ (CAZÉ PÀZÉÃjAiÀÄ ªÀÄÆ®PÀ)
 PÉÆjAiÀÄgï ªÀÄÆ®PÀ
 ¸ÀÜ½ÃAiÀÄ gÀªÁ£É ªÀÄÆ®PÀ DzÀgÉ C¢üPÈÀ vÀ ¹éÃPÀÈw ¥Àvæª À £À ÀÄß ¥ÀqÉ¢gÀvPÀ ÀÌzÀÄÝ
(3) CAxÀ £ÉÆÃnÃ¹£À eÉÆvÉ CeÉAqÁzÀ°è£À ¥Àw æ «µÀAiÀÄzÀ §UÉÎ ¸ÁzsÀPÀ ¨ÁzsPÀ ÀUÀ¼À£ÄÀ ß,
PÁ£ÀÆ¤£À G¥À§AzsÀUÀ¼ÀÄ AiÀiÁªÀÅzÁzÀgÀÆ EzÀÝgÉ CzÀ£ÀÄß ªÀÄvÀÄÛ ¥Àw æ «µÀAiÀÄªÀÅ M¼ÀUÉÆAqÀ
DyðPÀ ¥ÀjuÁªÀÄUÀ¼À£ÄÀ ß G¼Àî «ªÀgª
À ÁzÀ n¥ÀàtÂUÀ¼À£ÄÀ ß PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ.
41
(4) ¥ÀjZÀ®£É ¸À¨sÉU¼
À ÀÄ:
F PÉ¼ÀPA À qÀ ¸ÀAzÀ¨Àð
s UÀ¼À°è ªÀÄÄRå PÁAiÀÄð ¤ªÁðºÀP£ À ÀÄ CzsåÀ PÀëgÀ M¦àUA
É iÀÄ£ÀÄß ¥Àqz
É ÀÄ CAvÀºÀ
«µÀAiÀÄPÉÌ ¸ÀA§A¢ü¹zÀ PÁUÀz¥ À ÀvæU
À ¼
À À£ÄÀ ß PÀgÀqÀÄ ¤tðAiÀÄ ¸À»vÀ ¥ÀjZÀ®£ÉAiÀÄ ªÀÄÆ®PÀ J¯Áè
¤zÉÃð±ÀPÀjUÉ PÀ¼ÀÄ»¹ ¥ÀjZÀ®£É ¸À¨sÉAiÀÄ£ÀÄß £Àq¸ É À§ºÀÄzÀÄ:
 vÀÄvÀÄð ¸ÀAzÀ¨sÀðUÀ¼À°è DqÀ½vÀ ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ£ÀÄß PÀgA
É iÀÄ®Ä PÁ¯ÁªÀPÁ±À «®è¢zÁÝUÀ
 zÉÊ£ÀA¢£À ZÀlÄªÀnPÉU½À UÉ ¸ÀA§A¢ü¹zÀ ºÁUÀÆ ºÉaÑ£À ZÀZð
É £Àq¸
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ZÀað¹gÀzÀ «µÀAiÀÄzÀ §UÉÎ ¤tðAiÀÄªÀ£ÄÀ ß zÁR°¸À¯ÁVzÉ JAzÀÄ CxÀªÁ AiÀiÁgÉÃ ¤zÉÃð±ÀPÀ£ÄÀ
AiÀiÁªÀÅzÉÃ wÃªÀiÁð£ÀªÀ£ÀÄß zÁR°¸ÀÄªÀ ¸ÀA§AzsÀzÀ°è ªÀåPÀÛ¥Àr¹zÀ ÇÀªÄÀ äwAiÀÄ£ÀÄß zÁR°¹®è
JA§ PÁgÀtUÀ¼À ªÉÄÃ¯É §ºÀÄªÀÄvÀzÀ ¤zÉÃð±ÀPg À ÄÀ D £Àqª À À½UÀ¼ÀÄ vÀ®Ä¦zÀ 7 ¢£ÀUÀ¼ÉÆ¼ÀUÁV
CPÉëÃ¥ÀuÉAiÀÄ£ÀÄß °TvÀªÁV ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ w½¹zÁUÀ CAxÀ wÃªÀiÁð£ÀªÀ£ÄÀ ß
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ eÁjUÉÆ½¸ÀzÉ CzÀ£ÀÄß ªÀÄÄA¢£À ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ°è
ªÀÄAr¸ÀvPÀ ÀÌzÀÄÝ.
F G¥À«¢üAiÀÄ jÃvÁå ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ£ÀÄß ¤UÀ¢vÀ PÁ®zÀ°è PÀgÉAiÀÄ®Ä
vÀ¦àz°À è, ªÀÄAqÀ°AiÀÄ §ºÀÄªÀÄvÀ ¸Àz¸ À ÀågÀÄ vÁªÀÅ ¸ÀÆa¹zÀ ¢£ÁAPÀzA À zÀÄ ¤¢ðµÀÖ «µÀAiÀÄUÀ¼À ZÀZÉðUÁV
¸À¨sÉAiÀÄ£ÀÄß PÀgÉAiÀÄ¨ÉÃPÉAzÀÄ CzsåÀ PÀëg£ À ÀÄß §gÀºz À À ªÀÄÆ®PÀ PÉÃ½PÉÆ¼Àî§ºÀÄzÀÄ. CzÀgÀ MAzÀÄ ¥Àw æ AiÀÄ£ÀÄß
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ.
50. MEETINGS OF THE BOARD :
The meetings of the board and the sub-committees shall be held in the registered office
of the bank or at any other office/branch of the Bank.
1. The board may meet at any time whenever necessary for transacting the business
of the bank, but, shall meet at least once in Three months.
2. The Chief Executive shall, in consultation with the president, convene the
meetings of the board. He shall send a meeting notice containing the place, date
and time of the meeting and the agenda to all the directors at least seven clear
days before the date of the meeting. The notice may be sent in the following
modes, namely:
 by speed post; or
 by courier; or
 by local delivery under proper receipt
44
3. Detailed notes on each subject in the agenda about the pros and cons, the
provisions of law if any, and the financial implication shall also be sent along with
such notice. The agenda for the meetings shall be drawn so as to ensure the
compliance with directions/instructions/circulars issued by Reserve Bank of India,
from time to time. The agenda items shall include the subjects as provided in the
Annexure No. in addition to other subjects.
4. Ciruclar Meetings
The Chief Executive, in consultation with the President, may also convene Board of
Directors Meeting by circulating the relevant papers and the draft resolution on any
such subject under the following circumstances:
o In exigency, when there is no sufficient time to convene a board meeting
o When the subject matters dealt are of routine matters for consideration
of which no discussions are expected such as payment of DICGC
subscriptions, utility bills and such other matters
o When the subject matters involve study of data/information furnished to
the Board of Directors which may require attention and time to
assimilate and understand the implications, which might demand more
time and come in the way of considering discussion oriented subjects
o When the subject matters require specific consent or dissent by the
Board of Directors, of which the record may require to be maintained for
a long time.
The draft resolutions presented to the Directors in such circular meetings are deemed to
have been passed if the resolution has been approved by majority of Directors, as in the
case of regular meetings. The dissenting directors are entitled to record their dissent with
or without reasons therein. If majority of Directors express their dissent for a particular
resolution, the same is deemed to have been rejected. The Directors affixing their
signatures indicating their consent/dissent/abstaining in such Circular Meetings shall be
entitled for the payment of 50% of sitting fees for attending regular Board Meetings.
5. Emergent Board Meetings
The Chief Executive in consultation with the President can also convene emergent
Board Meetings of the Board of Directors by giving a notice of THREE DAYS. The
Notice of such Emergent Board Meeting shall state clearly the necessity of conducting
Emergent Meeting of the Board of Directors. The subject matters put up for
consideration in such a Emergent Board Meeting shall be in the nature of urgent matters
which are, in the opinion of the chief executive and the Presdient, of so urgent that
further delay may not be in the interests of the Bank.
6. Normally no subject other than those mentioned in the agenda shall be discussed
45
in any board meeting. In case any subject not mentioned in the agenda requires
discussion because of its necessity or gravity, such subject shall be taken up for
discussion with the permission of the Chairperson, but no subject relating to the
election of the representatives, election of the directors of the board, constitution
of sub-committees, election of office-bearers, filling up of casual vacancy in the
office of a director by co-option, filling up of casual vacancy in the office of a
representative, disciplinary action against the employees, sending delegate to a
member co-operative society or any subject involving financial implications shall
be taken up for discussion as additional subject and decision taken.
7. Except as otherwise provided in the Act, the rules or the byelaws, all matters shall
be decided by a majority of votes of the directors present in the meeting. In the
case of an equality of votes for and against any resolution on any subject other
than that involving an election, the Chairperson shall have a second or casting
vote in addition his vote as a director.
8. The President and in his absence, the Vice-President shall preside over the
meetings of the board. In the absence of both, the directors present at the meeting
shall elect a chairperson for that meeting from amongst themselves.
9. No director of the board shall be present at any meeting of the board, when any
matter in which he is personally interested is being discussed.
10.The quorum for a meeting of the board shall be the attendance of the number next
to fifty percent of the strength of the board as provided in the bye-laws, i.e. the
quorum is ……… No business shall be transacted at any meeting of the board in
the absence of the required quorum and the meeting shall be adjourned to the
same day and time of the next week. Notice of such an adjourned meeting shall be
sent to such of the directors who were absent for the meeting so adjourned. No
new subject other than those on the agenda of the meeting so adjourned shall be
discussed in such an adjourned meeting.
11.The chief executive shall record the proceedings of the meetings of the board truly
and accurately as per the deliberations in the meeting in a register maintained for
that purpose, the pages of which are serially numbered and have the bank's seal
and the names of the directors present in to meeting shall be mentioned. When
any director participates in the discussion on any subject and expresses dissent
about the related resolution, the chief executive shall record the same truly,
accurately and impartially as per the deliberations in the proceedings. The minutes
of the meeting shall contain a fair and correct summary of the proceedings
thereat.The names of all the directors present at the meeting shall be recorded.
The Chairperson and the directors present shall sign in the register. The
chairperson shall also sign the proceedings of the meeting after the chief
executive rewards and signs the same. The proceedings book shall be available for
perusal by any of the directors, during the working hours of the bank.
46
12.The meetings shall be formal and hence the proceedings shall confine to formal
procedures. The Directors and the Chief Executive shall ensure that the decency
and decorum of a formal meeting is complied with. The Directors shall ensure
that those present there are treated with due respect and usage of other than formal
address shall be avoided.
13.In order to ensure that the true record of the proceedings of the meetings are
available, the Bank may install closed circuit TV inside the room where the Board
of Directors meetings are held. The footage of such CCTV recordings may be
referred to before finalizing the Minutes of the Meetings. The Audio transcript
and the CCTV footages shall be in the custody of the Chief Executive and are
made available to any Director or any authority, if required.
14.If any of the Directors are found to deviate from the norms of decency and
decorum of the Meetings, the President shall advise the offending Director to
desist from such behavior. If such advise from the President is not heeded by the
offending Director and continues to obstruct the smooth functioning of the
meeting the President shall direct him to not to attend that meeting. If the said
director does not obey the directions of the President shall adjourn the meeting
forthwith.
15.If any of the Directors are found to deviate from the norms of decency and
decorum of the Meetings, the President on receipt of written complaint from any
of the Directors shall issue orders for conduct of an Enquiry with in a reasonable
time and place a report before the Board of Directors, with in a period of three
months from the date of complaint, with specific recommendations made by the
President/Enquiry Officer.
16.The proceedings so recorded and signed as above shall be sent to all the directors
within seven days from the date of the meeting. If majority of the directors
express their objection in writing to the chief executive within THREE days from
the date of receipt, on the ground that the proceedings have not been recorded as
per the decisions taken in the meeting or a resolution on any subject which was
not discussed in the meeting has been included or the dissent expressed by a
member regarding any resolution has not been recorded, the chief executive shall
not implement such decision but shall place the same in the next meeting of the
board.
If the chief executive fails to convene the board meeting within the stipulated time, a
majority of the directors may request the president in writing to convene the board
meeting to discuss the specific subjects under a copy to the chief executive.
51. ¤zÉÃð±ÀPÀ£ÁV ZÀÄ£Á¬ÄvÀ£ÁUÀ®Ä CxÀªÁ £ÉÃªÀÄPÀªÁUÀ®Ä CxÀªÁ ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä C£ÀºÀðvÉ :
¨ÁåAQ£À AiÀiÁªÀÅzÉÃ ¸ÀzÀ¸Àå£ÀÄ ¤zÉÃð±ÀPÀ£ÁV ZÀÄ£Á¬ÄvÀ£ÁUÀ®Ä CxÀªÁ £ÉÃªÀÄPÀªÁUÀ®Ä CxÀªÁ
ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä -
47
1. ¨ÁåAQUÉ ¥ÁªÀw¸À¨ÉÃPÁzÀ ¸Á® CxÀªÁ EvÀgÉ AiÀiÁªÀÅzÉÃ ¨ÁQAiÀÄ ¸ÀÄ¹ÛzÁgÀ£ÁVzÀÝgÉ;
2. ¨ÁåAQ£ÉÆA¢UÉ ªÀiÁrPÉÆAqÀ AiÀiÁªÀÅzÉÃ PÀgÁj£À°è CxÀªÁ ¨ÁåAPÀÄ SÁ¸ÀVAiÀiÁV CxÀªÁ
§»gÀAUÀ ºÀgÁf£À°è ªÀiÁrzÀ ªÀiÁgÁl CxÀªÁ RjÃ¢AiÀÄ°è CxÀªÁ AiÀiÁªÀÅzÁzÀgÀÆ PÀgÁj£À°è
CAxÀ PÀgÁgÀÄ, ªÀiÁgÁl, CxÀªÁ RjÃ¢ CxÀªÁ ªÀåªÀºÁgÀzÀ°è (§AqÀªÁ¼À ºÀÆrPÉ ªÀÄvÀÄÛ ¸Á®
¥ÀqA É iÀÄÄªÀÅzÀ£ÄÀ ß ©lÄÖ) ºÀtPÁ¹£À »vÁ¸ÀQÛU¼ À À£Æ
É ß¼ÀUÉÆAqÀ ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ PÀgÁj£À°è
CxÀªÁ ªÀåªÀºÁgÀzÀ°è CªÀ£ÄÀ ¥ÀævåÀ PÀëªÁV CxÀªÁ ¥ÀgÉÆÃPÀëªÁV »vÁ¸ÀQÛ ºÉÆA¢zÀÝgÉ;
3. ¨ÁåAPÀÄ £ÀqÉ¸ÀÄwÛgÄÀ ªÀ ¸ÀégÀÆ¥ÀzÀ ªÀåªÀºÁgÀªÀ£ÄÀ ß £ÀqÉ¸ÀÄwÛzÀÝgÉ;
4. CªÀ£ÀÄ ¨ÁåAQ£À ¥ÀgÀªÁV ªÀQÃ®£ÁV ¤AiÉÆÃdPÀ£ÁVzÀÝgÉ CxÀªÁ ¨ÁåAQ£À «gÀÄzÀÞªÁV
ªÁ¢¸À®Ä
¤AiÉÆÃd£ÉAiÀÄ£ÀÄß ¹éÃPÀj¹zÀg;É
5. CªÀ£ÀÄ ¨ÁåAQ£À CxÀªÁ CzÀgÀ ºÀtPÁ¸ÀÄ ¨ÁåAQ£À GzÉÆåÃVAiÀiÁVzÀÝg;É
6. CªÀ£ÀÄ ¨ÁåAQ£À GzÉÆåÃVAiÀÄ ºÀwÛgÀzÀ ¸ÀA§A¢üAiÀiÁVzÀÝg;É
7. CªÀ£ÀÄ AiÀiÁªÀÅzÉÃ ¸ÀºPÀ ÁgÀ ¸ÀAWÀ, AiÀiÁªÀÅzÉÃ gÁdå/PÉÃAzÀæ ¸ÀgÀPÁgÀ, AiÀiÁªÀÅzÉÃ ¸ÁªÀðd¤PÀ
G¢ÝªÄÉ À PÀA¥É¤UÀ¼À°è À GzÉÆåÃVAiÀiÁVzÀÄÝ CzÀgÀ ¸ÉÃªÉ¬ÄAzÀ vÉUÉzÄÀ ºÁPÀ®ànÖzÝÀ g,É PÀqÁØAiÀÄ
¤ªÀÈwÛUÉÆ½¸À®ànÖzÝÀ gÉ CxÀªÁ ªÀeÁ ªÀiÁqÀ®ànÖzÀÝgÉ;
8. CªÀ£ÀÄ «wÛÃAiÀÄ ¸ÉÃªÉU¼ À À£ÀÄß MzÀV¸ÀÄªÀ AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁj ¸ÀAWÀz° À è ¤zÉðÃ±ÀP£
À ÁVzÀÝgÉ
9. CªÀ£À£ÄÀ ß ¸ÀPëÀªÀÄ £ÁåAiÀiÁ®AiÀÄªÀÅ ¢ªÁ½ JAzÀÄ CxÀªÁ ¸Àé¸ÀÜ ªÀÄ£À¸ÀÌ£À®è JAzÀÄ wÃ¥ÀÄðPÉÆnÖzÝÀ g;É
10. CªÀ£ÀÄ £ÉÊwPÀ CzsÀB¥ÀvÀ£PÀ ÁÌV CxÀªÁ AiÀiÁªÀÅzÉÃ C¥ÀgÁzsÀPÁÌV ¨sÁgÀvÀzÀ £ÁåAiÀiÁ®AiÀÄ¢AzÀ
¹zÀÞzÆ É Ã¶AiÀiÁVzÀÝg;É
11. PÁAiÉÄÝAiÀÄr AiÀiÁªÀÅzÉÃ C¥ÀgÁzsÀPÁÌV £ÁåAiÀiÁ®AiÀÄ¢AzÀ ¹zÀÞzÆ É Ã¶AiÀiÁVzÀÝg;É
12. UÉÊgÀÄºÁdgÁUÀ®Ä PÉÆÃjPÉ ¸À°è¸z À É ªÀÄAqÀ°AiÀÄ ¤gÀAvÀgÀ ªÀÄÆgÀÄ ¸À¨sÉUÀ½UÉ UÉÊgÀÄºÁdgÁVzÀÝg;É
13. UÉÊgÀÄºÁdgÁUÀ®Ä PÉÆÃjPÉ ¸À°è¸z À É ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ ¤gÀAvÀgÀ ªÀÄÆgÀÄ ¸À¨sÉUÀ½UÉ
UÉÊgÀÄºÁdgÁVzÀÝg;É
14. CªÀ£ÀÄ ¨ÁåAQ£À ¸Àz¸ À Àå£ÁVgÀÄªÀÅzÀPÌÉ CxÀªÁ CAxÀ ¸Àz¸ À Àå£ÁV ªÀÄvÀ ZÀ¯Á¬Ä¸ÀÄªÀÅzÀPÌÉ
C£ÀºÀðvÉUÉÆ½¹zÀÝgÉ;
15. PÁAiÉÄÝAiÀÄr, ¤AiÀÄªÀÄUÀ¼Àr ªÀÄvÀÄÛ G¥À«¢üUÀ¼Àr ¨ÉÃgÉ AiÀiÁªÀÅzÉÃ C£ÀºÀðvÉUÉ UÀÄjAiÀiÁVzÀÝgÉ -
- C£ÀºÀð£ÁUÀvÀPÌÀ zÀÄÝ.
51. DISQUALIFICATION FOR BEING ELECTED OR APPOINTED OR
CONTINUED AS A DIRECTOR :
No person shall be eligible for being elected or appointed or continued as a director of
the board of the bank, if he-
1. Is in default to the bank in respect of the loan or any other dues payable to the
bank;
2. Is interested directly or indirectly in any contract made with the bank or in the sale
or purchase made by the bank privately or in auction or in any contract or
transaction of the bank (other than investment and borrowing) involving financial
interests in that contract, sale, purchase or transaction;
3. carries on the business of the kind carried on by the bank;(in other words, if a
48
Director or his immediate family members are associated with the activities
related to Money lending, finance companies, collection of deposits)
4. Is employed as legal practitioner on behalf of the bank or accepts employment as
legal practitioner against the bank;
5. Is a paid employee of the bank or of its financing bank;
6. Is a near relation of a paid employee of the bank;
7. is a person who has been removed or compulsorily retired or dismissed from the
service of any cooperative society; or any State Govt. or Central Govt or any
Public Sector undertakings under Central Govt or any State Govt in India
8. If he is a director of any cooperative society, which offers financial services
9. has been adjudged by a competent court to be an insolvent or unsound mind;
10.has been convicted by any court in India of an offence involving moral turpitude
or of any Offence
11.has been convicted of any offence under the Act;
12.has been absent for three consecutive board meetings without leave of absence;
13.has been absent for three consecutive general meetings without leave of obsense;
14.is disqualified to be a member of the bank or to vote as such member;
15. is subject to any other disqualification under the provisions of the Act, the rules
and the byelaws.
52. ªÀÄAqÀ°AiÀÄ ¸À¨ÉU s À½UÉ UÉÊgÀÄ ºÁdj : AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀPÀ£ÄÀ ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ½UÉ ºÁdgÁUÀ®Ä
¸ÁzsÀå«®è¢zÀÝ°è ºÁUÉ UÉÊgÀÄºÁdgÀÄ DUÀÄªÀ §UÉÎ °TvÀ PÉÆÃjPÉAiÀÄ£ÀÄß ¸À°è¸v À ÀPÌÀ zÀÄÝ. ªÀÄAqÀ°AiÀÄÄ CAvÀºÀ
PÉÆÃjPÉAiÀÄ£ÀÄß ¥ÀjUÀtÂ¸ÀvÀPÀÌzÀÄÝ ªÀÄvÀÄÛ wgÀ¸ÀÌj¸¨ÁgÀzÀÄ. ªÀÄAqÀ°UÉ UÉÊgÀÄºÁdgÀÄ PÉÆÃjPÉAiÀÄ£ÀÄß ¸À°è¸z À É
AiÀiÁªÀ ¤zÉÃð±ÀPÀ£ÁzÀgÀÆ C£ÀÄPÀæªÄÀ ªÁV ªÀÄÆgÀÄ ¸À¨sÉUÀ½UÉ UÉÊgÀÄºÁdgÁzÀ°è, CªÀ£À ¤zÉÃð±ÀPv À ÀéªÀÅ
CAvÀåUÉÆ¼Àî§ºÀÄzÁVgÀÄvÀÛzÉ.DzÀgÉ CzsåÀ PÀëgÄÀ F ¸ÀA§Azsz À À°è MAzÀÄ ¥Àv æ ÉåÃPÀ «ZÁgÀuÉAiÀÄ£ÀÄß £Àq¸ É ÀvPÀ ÀÌzÀÄÝ
ºÁUÀÆ vÀ£ßÀ ¸À®ºÉU¼ À À£ÀÄß DqÀ½vÀ ªÀÄAqÀ°UÉ ¸À°è¸v À ÀPÌÀ zÀÄÝ. DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ F ªÀgÀ¢AiÀÄ£ÀÄß
¥ÀjUÀtÂ¹ ¸ÀÆPÀÛ DzÉÃ±ÀUÀ¼À£ÄÀ ß ¤ÃqÀ§ºÀÄzÁVgÀÄvÀÛzÉ.
AiÀiÁªÀÅzÉÃ ¤zÉðÃ±ÀPÀ£ÄÀ , C£ÁgÉÆÃUÀå, ¥Àª æ Á¸À, PÀÄlÄA§ ºÉÆuÉUÁjPÉUÀ¼ÀÄ, ªÉÊAiÀÄQÛPÀ CxÀªÁ ªÀÈwÛ
¸ÀA§A¢üvÀ ºÉÆuÉUÁjPÉUÀ¼ÀÄ CxÀªÁ E£ÁßªÀÅzÉÃ PÁgÀtUÀ½UÁV, O¥ÀZÁjPÀ ¸À¨sÉUÀ¼À°è ¢ÃWÀðPÁ®zÀªg À UÉ É
¨sÁUÀªÀ»¸À®Ä ¸ÁzsÀåªÁUÀ¯ÁgÀzÄÀ JA§ PÁgÀtPÉÌ ¢ÃWÁðªÀ¢ü CAzÀgÉ DgÀÄ wAUÀ¼ÀÄ «ÄÃgÀzA À vÉ, UÉÊgÀÄ
ºÁdgÁwUÁV PÉÆÃjPÉAiÀÄ£ÀÄß ¸À°è¸À§ºÀÄzÀÄ. ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP£ À ÀÄ
O¥ÀZÁjPÀ ¸À¨sÉUÀ¼À £ÉÆÃnÃ¸ï, CeÉAqÁ «ªÀgU À ¼
À ÀÄ, £Àqª À À½UÀ¼ÀÆ M¼ÀUÆ É AqÀAvÉ ¨ÁåAPï £À J®è
¸ÀAªÀºÀ£U À ¼
À À£Æ
À ß EAvÀºÀ ¤zÉðÃ±ÀP£ À À ªÀiÁ»wUÁV PÀ¼ÀÄ»¸ÀÄªÀÅzÀ£ÀÄß ªÀÄÄAzÀÄªÀgÉ¸ÀvPÀ ÀÌzÀÄÝ. EAvÀºÀ
¤zÉðÃ±ÀPÀ£ÄÀ , UÉÊgÀÄºÁdgÁw PÉÆÃjzÀ CªÀ¢üAiÀÄ°èAiÀÄÆ ¸ÀºÀ AiÀiÁªÀÅzÉÃ O¥ÀZÁjPÀ ¸À¨sÉUÀ¼ÀÄ ºÁUÀÆ
¥ÀjZÀ®£À ¸À¨sÉUÀ¼À°è ¨sÁUÀªÀ»¸À§ºÀÄzÀÄ. »ÃUÉ AiÀiÁªÀÅzÉÃ ¸À¨sÉUÉ ºÁdgÁzÀgÀÆ PÉÆÃgÀ¯ÁzÀ UÉÊgÀÄºÁdgÁw
CªÀ¢ü ªÀÄÄAzÀÄªÀgÉAiÀÄÄvÀÛzÉ.
52. ABSENCE FOR THE BOARD MEETING : If any director is unable to attend the
meetings of the board, he may request leave of absence from the board and shall obtain
leave of absence. The board shall consider the said the request and shall not reject the
49
same. Should any director absent himself for three consecutive board meetings without
submitting a request for leave of absence. he is liable to be disqualified to continue as a
director. However, the President shall conduct an enquiry in this regard to ascertain the
position and submit his recommendation to the Board of Directors. The Board of
Directors shall consider the Recommendations and pass a resolution in this regard.
When a Director is not able to attend the formal meetings for long periods of time for
reasons of sickness, family committmens, personal or professional commitments,
travels or any other reason, he may seek a leave of absence for periods not exceeding six
months at a time. The Chief Executive shall continue to send all communications
including Notices of conducting formal meetings, agenda items, minutes of the meetings
so that the Director can keep himself updated with all the developments. Such a Director
may attend any of the formal meetings, including participating in the Circular Meetings,
during the period of long absence. Even after such attendance/participation, the leave of
absence shall be continued
53. ªÀÄAqÀ°AiÀÄ ¸ÀzÀ¸åÀ gÀ ¸ÉÃªÉ : ¤zÉÃð±ÀPg À ÄÀ ¸ÀÜ
sÉ ½
À UÉ ºÁdgÁzÁUÀ CxÀªÁ ¤zÉÃð±ÀPÀgÁV ¨ÁåAQ£À
AiÀiÁªÀÅzÉÃ PÉ®¸ÀUÀ¼À£ÄÀ ß ¤ªÀð»¹zÁUÀ, CªÀjUÉ PÉÆqÀ§ºÀÄzÁzÀ ¥ÀA æ iÀiÁt¨sv
À Éå, ¢£À¨sÀvÉå ªÀÄvÀÄÛ D¹Ã£À
±ÀÄ®ÌUÀ¼À£ÄÀ ß ¨ÁåAQ£À ¸ÁªÀiÁ£Àå ¤PÁAiÀÄªÀÅ CzÀgÀ DyðPÀ ¥Àj¹Üw ªÀÄvÀÄÛ ¯Á¨sÀzÁAiÀÄPÀvÉAiÀÄ£ÀÄß ¥ÀjUÀtÂ¹
¤zsðÀ j¸À§ºÀÄzÁVzÉ.
¸ÁªÀiÁ£Àå ¤PÁAiÀÄªÀÅ, ªÁ¶ðPÀ ¸À¨sÉAiÀÄ°è
53. SERVICE OF THE BOARD : When the directors attend the meetings or attend to
any other work entrusted in their capacity as directors, they shall be eligible for
travelling allowance, daily allowance and sitting fee at such rates as the Board of
Directors /General Body may determine based on the financial position and profitability
of the bank.
Board of Directors shall review the position at least once in a year as on 30 th September
and consider upward or downward revision depending on the performance of the Bank.
53C. ªÀÄAqÀ°AiÀÄ ¸ÀzÀ¸ÀågÀ ¨sÀvÉÛUÀ¼ÀÄ-¸Ë®¨sÀåUÀ¼ÀÄ-¸ÀA¨sÁªÀ£ÉUÀ¼ÀÄ :
¤zÉÃð±ÀPÀgÀÄ ¸À¨sÉUÀ½UÉ ºÁdgÁzÁUÀ CxÀªÁ ¤zÉÃð±ÀPÀgÁV ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ PÉ®¸ÀUÀ¼À£ÀÄß ¤ªÀð»¹zÁUÀ,

CªÀjUÉ PÉÆqÀ§ºÀÄzÁzÀ ¸À¨sÁ¨sÀvÉå, ¥ÀæAiÀiÁt¨sÀvÉå, ¢£À¨sÀvÉå ªÀÄvÀÄÛ D¹Ã£À ±ÀÄ®ÌUÀ¼À£ÀÄß ¨ÁåAQ£À ¸ÁªÀiÁ£Àå
¤PÁAiÀÄªÀÅ CzÀgÀ DyðPÀ ¥Àj¹Üw ªÀÄvÀÄÛ ¯Á¨sÀzÁAiÀÄPÀvÉAiÀÄ£ÀÄß ¥ÀjUÀtÂ¹ ¤zsÀðj¸À§ºÀÄzÁVzÉ.
DzÀgÉ,ªÀÄAqÀ°AiÀÄ ¸ÀzÀ¸ÀåjUÉ/¥ÀzÁ¢üPÁjUÀ½UÉ ¤ÃqÀÄªÀ J®è jÃwAiÀÄ ¨sÀvÉÛUÀ¼ÀÄ ,¸Ë®¨sÀåUÀ¼ÀÄ -
¸ÀA¨sÁªÀ£ÉUÀ¼ÀÄ. ¨ÁåAQ£À »A¢£À DyðPÀ ªÀµÀðzÀ zÀÄrAiÀÄÄªÀ §AqÀªÁ¼ÀzÀ°è F PÉ¼À PÁtÂ¹zÀ ªÁ¶ðPÀ «ÄwUÀ¼À
M¼ÀUÉ EgÀ¨ÉÃPÀÄ.
o ¥Àæw ¤zÉÃð±ÀPÀjUÉ ¤ÃqÀÄªÀ ªÀåQÛUÀvÀ ªÁ¶ðPÀ «Äw ±ÉÃ. 0.005

o ¥ÀzÁ¢üPÁjUÀ¼À£ÀÄß ºÉÆgÀvÀÄ ¥Àr¹ MlÄÖ ªÁ¶ðPÀ «Äw ±ÉÃ. 0.15
50
o ¥ÀzÁ¢üPÁjUÀ¼ÀÄ ªÁ¶ðPÀ «Äw ±ÉÃ. 0.25
F J®è «ÄwUÀ¼ÀÄ J£ÉÃ EzÀÝgÀÆ ªÀÄAqÀ°AiÀÄ ZÀÄ£Á¬ÄvÀ ºÁUÀÆ ZÀÄ£Á¬ÄvÀgÀ®èzÀ ¤zÉÃð±ÀPÀgÀÄ ºÁUÀÆ
¥ÀzÁ¢üPÁjUÀ¼ÀÄ ¸ÉÃjzÀAvÉ EªÀgÀÄUÀ½UÉ ¸ÀA§A¢ü¹zÀ ªÉZÀÑUÀ¼ÀÄ »A¢£À DyðPÀ ªÀµÀðzÀ zÀÄrAiÀÄÄªÀ §AqÀªÁ¼ÀzÀ
±ÉÃ. 0.5 zÁlvÀPÀÌzÀÝ®è.
53A. Allowances-facilities-remunerations to the Directors
When the Directors attend the formal meetings at the Bank or perform any work in the
capacity of a Director, the General Body can approve the limits for sitting fees,
Allowances, facilities, remunerations payable to the Directors and office bearers, taking
in to account the profit position of the Bank..
However, the cumulative value of all types of Allowances,facilities,remunerations

payable to the Directors and the office bearers shall not exceed the following percentage
limits of the Working capital of the Bank as on the previous 31st March :
 Individual limit for every Director – 0.005% p.a

 Overall limit for all the Directors, excluding office bearers – 0.15%
 Overall limit for all the Directors, including office bearers – 0.25%
Not withstanding the above limits, the total expenditure incurred for the elected
and non elected Directors and the office bearers shall not exceed 0.5%of the
working capital of the Bank as on the previous 31st March
54. ªÀÄAqÀ°AiÀÄ vÉgÀªÁzÀ ¸ÁÜ£ÀUÀ¼ÀÄ :
¨ÁåAQ£À ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPÀgÀ ¥Àzz À À°è ªÀÄgÀt, gÁfÃ£ÁªÉÄ, vÉUz É ÀÄºÁPÀÄ«PÉ, C£ÀºÀðvÉ CxÀªÁ
E£ÁßªÀÅzÉÃ PÁgÀt¢AzÀ ªÀÄAqÀ°AiÀÄ°è SÁ° ©Ã¼ÀÄªÀ ¸ÁÜ£U À ¼
À À£ÀÄß PÉ¼ÀV£ÀAvÉ ¨sÀwðªÀiÁqÀvPÀ ÀÌzÀÄÝ.
(1)ªÀÄAqÀ°AiÀÄ G½zÀ ¥ÀzÁªÀ¢A ü iÀÄÄ CzÀgÀ ªÀÄÆ® ¥ÀzÁªÀ¢A ü iÀÄ Czsð À QÌAvÀ ºÉZÀÄÑ EzÀÝgÉ, ¸ÀºÀPÁgÀ
ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀªÀÅ ¤zÉÃð±ÀPg À À ¥Àzz À À°è£À AiÀiÁªÀÅzÉÃ SÁ° ¸ÁÜ£ª À À£ÄÀ ß ¨swÀ ðªÀiÁqÀ®Ä
ZÀÄ£ÁªÀuÉAiÀÄ£ÀÄß £Àq¸
É ÀÄªÀ dªÁ¨ÁÝj ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
(2)ªÀÄAqÀ°AiÀÄ G½¢gÀÄªÀ ¥ÀzÁªÀ¢A ü iÀÄÄ CzÀgÀ ªÀÄÆ® ¥ÀzÁªÀ¢üAiÀÄ Czsð À QÌAvÀ PÀrªÉÄ EgÀÄªÀ°è
AiÀiÁªÀ ªÀUÀðzÀ ¸Àz¸ À ÀåjUÉ ¸ÀA§Azs¥ À ÀlÖAvÉ ¸ÁÜ£ÀªÅÀ SÁ°AiÀiÁVzÉAiÉÆÃ CzÉÃ ªÀUÀðzÀ ¸Àz¸ À ÀågÀ ¥ÉÊQ
¸ÀºªÀ ÀÄvÀ¢AzÀ (co-option) £ÁªÀÄ¤zÉÃð±À£À ªÀiÁqÀÄªÀ ªÀÄÆ®PÀ ªÀÄAqÀ°AiÀÄ°è£À SÁ° ¸ÁÜ£ª À À£ÄÀ ß
ªÀÄAqÀ°AiÀÄÄ ¨swÀ ð ªÀiÁqÀ§ºÀÄzÀÄ.
54. VACANCIES ON THE BOARD:
Any vacancy in the office of the director of the board on account of death, resignation,
removal, disqualification or for any other reason, shall be filled up in the following
manner-
(1) If the remaining term of office of the board is more than half of its original term, it
51
shall be the responsibility of the cooperative election commission to conduct election to
fillup any vacancy in the office of the director of the board.
(2) If the remaining term of office of the board is less than half of its original term, the
board may fillup casual vacancy of the board by nomination through co-option out of the
same class of members in respect of which the casual vacancy has arisen.
55. ªÀÄAqÀ°AiÀÄ ¸ÀzÀ¸ÀågÀ gÁfÃ£ÁªÉÄ : ¨ÁåAQ£À ªÀÄAqÀ°AiÀÄ AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀP£ À ÀÄ vÀ£ßÀ ¸ÀzÀ¸ÀåvÀéPÉÌ
°TvÀªÁV gÁfÃ£ÁªÉÄ ¥Àvæª À £ À ÀÄß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ ¸À°è¸§ À ºÀÄzÀÄ. gÁfÃ£ÁªÉÄ PÉÆlÖ
vÁjÃT¤AzÀ ºÀ¢£ÉÊzÀ£É ¢£ÀzÀ ªÀÄÄPÁÛAiÀÄzÀ PÀÆqÀ¯ÉÃ D ¤zÉÃð±ÀP£ À À gÁfÃ£ÁªÉÄAiÀÄÄ CAVÃPÀj¸À®ànÖzÉ
JAzÀÄ ¨sÁ«¸ÀvPÀ ÀÌzÀÄÝ ºÁUÀÆ D ¸ÁÜ£ÀªÅÀ vÉgÀªÁVzÉ JAzÀÄ w½AiÀÄvÀPÌÀ zÀÄÝ.
55. RESIGNATION OF THE MEMBERS OF THE BOARD: Any director of the
board may submit his resignation in writing to the chief executive. If within fifteen days
from the date of resignation, the resignation is not withdrawn in writing by the
concerned director, then the said resignation shall be deemed to have been accepted
immediately on the expiry of the fifteenth day and that post shall be deemed to have
fallen vacant.
56. ªÀÄAqÀ°AiÀÄ gÀZÀ£ÉAiÀÄ HfðvÀvéÀ : ªÀÄAqÀ°AiÀÄÄ CxÀªÁ ªÀÄAqÀ°AiÀÄ ¸Àz¸ À ÀågÉÆ§âgÄÀ ¤®ðPÀëöå«®èzÉÃ
¸À¢é±Áé¸À¢AzÀ ªÀiÁrzÀ J¯Áè PÁAiÀÄðUÀ¼ÀÆ, CAvÀºÀ ªÀÄAqÀ°AiÀÄ CxÀªÁ ¸Àz¸ À ÀågÀ £ÉÃªÀÄPÁwAiÀÄÄ
zÉÆÃµÀ¥Æ À tðªÁVzÉ JAzÀÄ D£ÀAvÀgÀ PÀAqÀÄ §AzÀgÀÆ ¸ÀºÀ D ªÀÄAqÀ°AiÀÄ ªÀÄvÀÄÛ D ¸ÀzÀ¸ÀågÀ
£ÉÃªÀÄPÁwAiÀÄÄ ¸ÀPÀæªÄÀ ªÁV «¢ü§zÀÝªÁV DVvÉÛAzÀÄ ¨sÁ«¹, PÀª æ ÀÄ§zÀÝªÁV HfðvÀªÁVªÉAiÉÄAzÀÄ
¥ÀjUÀtÂ¸ÀvPÀ ÀÌzÀÄÝ.
56. VALIDITY OF THE CONSTITUTION OF THE BOARD : All acts done in
good faith and without negligence by the board or any person acting as a member of the
board, not-withstanding that it is discovered afterwards that there was some defect in the
appointment of such board or person, shall be deemed as valid, as if the board and every
such person had been duly appointed.
57. ¤zÉÃð±ÀPÀgÀ, C¢üPÁjUÀ¼À ªÀÄvÀÄÛ ¹§âA¢ªÀUÀðzÀ dªÁ¨ÁÝjUÀ¼ÀÄ :
¸ÀºPÀ ÁgÀ PÁAiÉÄÝU,É ¤AiÀÄªÀÄUÀ½UÉ, G¥À«¢üU½ À UÉ ªÀÄvÀÄÛ ªÀåªÀºÁgÀ ¤AiÀÄªÀÄUÀ½UÉ «gÀÄzÀÞªÁV £ÀqÉ¹zÀ J¯Áè
ªÀåªÀºÁgÀU½ À UÉ ªÀÄAqÀ°AiÀÄ ¸Àz¸ À ÀågÀÄ, ¨ÁåAQ£À C¢üPÁjUÀ¼ÀÄ ºÁUÀÆ ¹§âA¢ ªÀUÀðzÀªÀgÀÄ ªÉÊAiÀÄQÛPÀªÁV
ªÀÄvÀÄÛ ¸ÁªÀÄÆ»PÀªÁV dªÁ¨ÁÝgg À ÁVgÀvPÀ ÀÌzÀÄÝ. ¤AiÀÄªÀÄUÀ¼À G®èAWÀ£¬ É ÄAzÀ ¨ÁåAQ£À D¹Û¥Á¹ÛU¼ À À°è
K£ÁzÀgÀÆ PÉÆgÀvÉAiÀiÁzÀgÉ ¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À PÁAiÉÄÝ PÀ®A 69gÀ ªÀÄvÀÄÛ 70gÀ ¥ÀPæ ÁgÀ ªÀÄAqÀ°AiÀÄªÀgÄÀ
PÀª
æ ÀÄvÉUz
É ÀÄPÉÆAqÀÄ vÀ¦àv¸À ÀÜ ¤zÉÃð±ÀPÀjAzÀ ªÀÄvÀÄÛ CxÀªÁ C¢üPÁjUÀ½AzÀ / ¹§âA¢ ªÀUð À zÀªÀjAzÀ
PÉÆgÀvÉAiÀiÁzÀ ºÀtªÀ£ÄÀ ß ªÀ¸ÀÆ° ªÀiÁqÀ®Ä C¢üPÁgÀ ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
57. LIABILITIES OF DIRECTORS, OFFICERS ANDSTAFF :
The members of the board, the officers and staff of the bank shall be personally liable
for all the transactions conducted in contravention of the Act, the rules, the bye-laws and
the bussines rules. The deficiency, if any, caused to the assets of the bank, by such
contravention shall be recovered by the board under section 69 or 70 of the Act, as the
case may be by initiating proceedings against such erring director and or officers / staff.
52
58. ªÀÄAqÀ°AiÀÄ C¢üPÁgÀUÀ¼ÀÄ :
1) ªÀÄAqÀ°AiÀÄÄ PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ½UÉ ªÀÄvÀÄÛ G¥À«¢üUÀ½UÉ ºÁUÀÆ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è PÉÊUÉÆAqÀ
wÃªÀiÁð£ÀUÀ½UÉ M¼À¥l À ÄÖ ¨ÁåAQ£À ªÀåªÀºÁgÀU¼ À À£ÄÀ ß £Àq¸ É À®Ä ¸ÀPëÀªÀÄªÁVgÀvÀPÌÀ zÀÄÝ. ¨ÁåAQ£À
ªÀåªÀºÁgÀU¼À À£ÄÀ ß £ÉÆÃrPÉÆ¼ÀÄîªÀ°è ªÀÄAqÀ°AiÀÄ ¥Àw æ ¸Àz¸ À Àå£ÀÆ, ªÀåªÀºÁgÀz° À è vÉÆqÀVgÀÄªÀ M§â
¸ÁªÀiÁ£Àå ªÀÄ£ÀÄµÀå£ÀÄ vÉÆÃj¸ÀÄªÀ AiÀÄÄPÁÛAiÀÄÄPÀÛ ¥ÀjeÁÕ£À, zÀÆgÀzÀÈ¶× ºÁUÀÆ PÁAiÀÄðvÀvÀàgÀvA É iÀÄ£ÀÄß
¨ÁåAQ£À ªÀåªÀºÁgÀzÀ®Æè vÉÆÃj¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ½UÉ, G¥À«¢üUÀ½UÉ, ªÀåªÀºÁgÀ
¤AiÀÄªÀÄUÀ½UÉ ºÁUÀÆ j¸Àªïð ¨ÁåAQ£À ¤zÉÃð±À£U À ½
À UÉ «gÀÄzÀÝªÁzÀzÉÝÃ£À£ÀÆß ªÀiÁqÀvPÀ ÀÌzÀÝ®è.
2) ªÀÄAqÀ°AiÀÄÄ PÁAiÉÄÝAiÀÄr, ¤AiÀÄªÀÄUÀ¼Àr ªÀÄvÀÄÛ G¥À«¢üUÀ¼ÀrAiÀÄ°è vÀ£ßÀ ¥ÀPæ ÁgÀåUÀ¼À£ÄÀ ß ¤ªÀð»¸ÀÄªÀ
GzÉÝÃ±ÀPÁÌV CªÀ±ÀåPÀ CxÀªÁ «»vÀªÁUÀ§ºÀÄzÁzÀAxÀ J¯Áè C¢üPÁgÀU¼ À À£ÀÄß ZÀ¯Á¬Ä¸ÀvÀPÀÌzÄÀ Ý ªÀÄvÀÄÛ
J®è PÀvðÀ ªÀåU¼ À À£ÄÀ ß ¤ªÀð»¸ÀvPÀ ÀÌzÀÄÝ.
3) ¥ÀÆªÉÇÃðPÀÛ C¢üPÁgÀU¼ À À ¸ÁªÀiÁ£ÀåvÉUÉ ºÁ¤ E®èzÀAvÉ, CAxÀ C¢üPÁgÀU¼ À ÀÄ ªÀÄvÀÄÛ PÀvð À ªÀåU¼ À ÀÄ
ªÀÄÄA¢£ÀªÅÀ UÀ¼À£ÄÀ ß M¼ÀUÉÆArgÀvÀPÌÀ zÀÄÝ:-
1. ¸Àz¸ À ÀågÀ£ÄÀ ß ¸ÉÃj¹PÉÆ¼ÀÄîªÀÅzÀÄ;
2. µÉÃgÀÄUÀ¼À «vÀgÀuÉ ªÀÄvÀÄÛ ªÀUÁðªÀuÉ ªÀiÁqÀÄªÀÅzÀÄ;
3. jdgïé ¨ÁåAQ£À ¸ÀÆZÀ£U É ¼
À À£ßÀ £ÀÄ¸Àj¹ oÉÃªÀuÁw ¤AiÀÄªÀÄUÀ¼À£ÀÄß gÀÆ¦¸ÀÄªÀÅzÀÄ;
4. ««zsÀ oÉÃªÀtÂUÀ¼À£ÄÀ ß ¸ÀAUÀæ»¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ CUÀvÀå©zÀÝgÉ DyðPÀ ¸ÀA¸ÉÜUÀ½AzÀ ¸Á®UÀ¼À£ÄÀ ß
¥ÀqA É iÀÄÄªÀÅzÀÄ;
5. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À DzÉÃ±ÀU½ À UÉ M¼À¥l À ÄÖ PÁ®PÁ®PÉÌ ¸Á®UÀ¼À ªÀÄvÀÄÛ oÉÃªÀtÂU¼ À À
ªÉÄÃ°£À §rØzÀgÀª£ À ÀÄß ¤zsÀðj¸ÀÄªÀÅzÀÄ;
6. ¸Àz¸ À ÀåjAzÀ §A¢gÀÄªÀ ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqU À ¼ À À CfðUÀ¼À£ÄÀ ß ¥Àj²Ã°¸ÀÄªÀÅzÀÄ, ¨ÁåAPï
gÀÆ¦¹gÀÄªÀ ¸Á® ¤Ãw ªÀÄvÀÄÛ ¸Á® ¤AiÀÄªÀÄUÀ¼ÀÄ, j¸Àªïð ¨ÁåAQ£À ¤zÉÃð±À£U À À¼ÀÄ,
jf¸ÁÛçgï ºÁUÀÆ PÀ£ÁðlPÀ gÁdå ¸ËºÁzÀð ¸ÀAAiÀÄÄPÀÛ ¸ÀºPÀ Áj ¤AiÀÄ«ÄvÀ EªÀgÀÄUÀ¼ÀÄ
¤ÃrgÀÄªÀ ¸ÀÆZÀ£U É ¼À À£ÄÀ ¸ÁgÀªÁV ªÀÄvÀÄÛ ¨sz À v Àæ ÉAiÀÄ£ÀÄß UÀt£ÉUÉ vÉUz É ÀÄPÉÆAqÀÄ ¸Á®zÀ
CºÀðvÉAiÀÄ£ÀÄß ¤zsð À j¸ÀÄªÀÅzÀÄ ºÁUÀÆ ¸Á®UÀ¼À£ÀÄß ªÀÄAdÆgÀÄ ªÀiÁqÀÄªÀÅzÀÄ ªÀÄvÀÄÛ
¸Á®UÀ¼À ªÀÄAdÆgÁw µÀgÀvÄÀ Û ªÀÄvÀÄÛ ¤§AzsÀ£ÉUÀ¼À£ÀÄß C£ÀÄªÉÆÃ¢¸ÀÄªÀÅzÀÄ;
7. PÁ¬ÄzÉAiÀÄ PÀ®A 18gÀ ¥ÀPæ ÁgÀ ¨ÁåAQ£À PÁAiÀÄð¤ªÀðºÀuÉUÉ CUÀvÀåªÁzÀµÖÀgÀ ªÀÄnÖUÉ EvÀgÀ
¨ÁåAPÀÄUÀ¼À°è ªÀÄvÀÄÛ ºÀtPÁ¸ÀÄ ¸ÀA¸ÉÜUÀ¼À°è SÁvÉUÀ¼À£ÄÀ ß vÉgz É ÀÄ ¤ªÀð»¸ÀÄªÀÅzÀÄ. PÁAiÉÄÝ
ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ½UÉ ªÀÄvÀÄÛ j¸Àªïð ¨ÁåAQ£À ¤zÉÃð±À£ÀUÀ½UÉ C£ÀÄUÀÄtªÁV CAVÃPÀÈvÀ
¨sz
À v Àæ Á¥ÀvÀæUÀ¼À°è ¸ÀPÁðj ªÀÄvÀÄÛ EvÀgÃÉ «±Àé¸ÜÀ ¨z sÀ vÀæ Á ¥ÀvæUÀ ¼
À À°è, CAVÃPÀÈvÀ ¸ÀºPÀ Áj
¸ÀA¸ÉÜU¼ À À µÉÃgÀÄUÀ¼À°è, oÉÃªÀtÂ ªÀÄÄAvÁzÀªÅÀ UÀ¼À°è ¨ÁåAQ£À ¤¢üU¼ À À£ÄÀ ß vÉÆqÀV¸ÀÄªÀÅzÀÄ;
8. ¨ÁåAQUÉ MvÉÛ¬ÄqÀÄªÀ ¨sÀzv Àæ ÉU¼À À£ÄÀ ß ªÀiË®åªÀiÁ¥À£À ªÀiÁqÀ®Ä ¨É¯É ¤zsÁðgÀPÀgÀ£ÄÀ ß ªÀÄvÀÄÛ
ªÀiË®å ªÀiÁ¥ÀPg À £
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9. ¨ÁåAQUÉ DzsÁgÀ ªÀiÁqÀÄªÀ ZÀg,À ¹ÜgÁ¹ÛU¼ À À ºÀPÄÀ Ì ¨ÁzsåÀ vÉ, ºÀPÄÀ Ì ¥Àvæ,À EvÁå¢ CA±ÀU¼ À À£ÄÀ ß
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10. PÁAiÉÄÝAiÀÄ PÀ®A 29f C£ÀéAiÀÄ ¨ÁåAQ£À ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À£ÄÀ ß ªÀÄvÀÄÛ ¨ÁåAQ£À
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11. ¥ÁgÀz± À ÀðPÀ ¤AiÀÄªÀÄUÀ¼À£ÄÀ ß ¥Á°¹, ¨ÁåAQUÉ CUÀvÀåªÁzÀ ZÀgÀ D¹ÛU¼ À À£ÄÀ ß
RjÃ¢ªÀiÁqÀÄªÀÅzÀÄ. ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ C£ÀÄªÉÆÃzÀ£É ªÉÄÃgÉUÉ ¤ªÉÃ±À£À, PÀlÖqÀ
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CxÀªÁ ¨ÁrUÉAiÀÄ£ÀÄß ¤zsð À j¸ÀÄªÀÅzÀÄ, UÀÄwÛUÉ / ¨ÁrUÉ ªÀÄÄAUÀqÀ ¤zsð À j¸ÀÄªÀÅzÀÄ ºÁUÀÆ
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12. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À ¥ÀÆªÁð£ÀÄªÀÄwAiÉÆA¢UÉ ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ
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PÀbÉÃjUÀ¼À£ÄÀ ß, «¸ÀÛgu À Á PËAlgÀÄUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ J.n.JA. PËAlgïUÀ¼À£ÄÀ ß vÉgA É iÀÄÄªÀÅzÀÄ;
13. ªÀÄºÁªÀÄAqÀ¼ÀªÇÀ ¸ÉÃjzÀAvÉ EvÀgÀ ¸ÀºPÀ ÁgÀ ¸ÀAWÀU½ À UÉ ªÀÄvÀÄÛ ¸ÀAWÀ ¸ÀA¸ÉÜU½ À UÉ
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PÉÆ£ÉAiÀÄ°èzÀÝAvÉ ªÁ¶ðPÀ dªÉÄUÀ¼À ªÀÄvÀÄÛ ¸ÀAzÁAiÀÄUÀ¼À CxÀªÁ DzÁAiÀÄUÀ¼À ªÀÄvÀÄÛ RZÀÄðUÀ¼À,
¯Á¨sÀ ªÀÄvÀÄÛ £Àµ×ÀUÀ¼À DyðPÀ vÀBSÉÛUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ D¹ÛºÉÆuÉ ¥ÀnAiÀÄ£ÀÄß vÀvÀìA§AzsÀzÀ µÉqÆ À å®ÄUÀ¼À
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3) ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀP¤ À UÉ CUÀvÀåªÁzÀ J¯Áè ªÀiÁ»w, ¯ÉPÌÀ UÀ¼À£ÄÀ ß ªÀÄvÀÄÛ ¥ÀÄ¸ÀÛPÀU¼ À À£ÀÄß MzÀV¹ ¸ÀPÁ®zÀ°è
¯ÉPÌÀ ¥Àj±ÉÆÃzsÀ£A É iÀÄÄ ªÀÄÄPÁÛAiÀÄUÉÆ½¸À®Ä ¥ÀÆtð ¸ÀºPÀ ÁgÀ ªÀÄvÀÄÛ £ÉgÀª£ À ÀÄß ¤Ãr, ¥Àw æ ªÀµð À
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¥ÀqA É iÀÄvÀPÀÌzÀÄÝ;
4) zÁªÁ CxÀªÁ EvÀgÀ PÁ£ÀÆ£ÀÄ §zÀÞ RmÉèU¼ À À£ÄÀ ß ºÀÆqÀÄªÀÅzÀÄ, ¥Àw æ ¥Á¢¸ÀÄªÀÅzÀÄ CxÀªÁ
gÁf¬ÄAzÀ ¥ÀjºÁgÀ PÀAqÀÄPÉÆ¼ÀÄîªÀÅzÀÄ;
5) ¤AiÀÄªÀiÁ£ÀÄ¸ÁgÀ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è ªÀÄAdÆgÁzÀ DAiÀÄªÀåAiÀÄ CAzÁdÄUÀ½UÉ M¼À¥l À ÄÖ ¨ÁåAQ£À
PÉ®¸ÀPÁAiÀÄðUÀ¼À ¨sÁgÀ ªÀÄvÀÄÛ ªÀåªÀºÁgÀU¼ À À CUÀvÀåvÉU¼ À À£ÄÀ ß ¥ÀjUÀtÂ¹ ¨ÁåAQ£À ¹§âA¢AiÀÄ
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vÀÄnÖ¨Àv s åÉ ªÀÄvÀÄÛ EvÀgÉ ¨sÀvÉåU¼ À À£ÄÀ ß ¤UÀ¢¥Àr¸ÀÄªÀÅzÀÄ;
6) Drmï ªÀgÀ¢AiÀÄ£ÀÄß ¥Àj²Ã°¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ CzÀg° À è vÉÆÃj¹gÀÄªÀ ¯ÉÆÃ¥ÀzÆ É ÃµÀUÀ¼À£ÄÀ ß
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vÉUz É ÀÄPÉÆ¼ÀÄîªÀÅzÀÄ ºÁUÀÆ Drmï ªÀgÀ¢AiÀÄ£ÀÄß ¹éÃPÀj¹zÀ 45 ¢£ÀUÀ¼ÉÆ¼ÀUÁV PÀª æ ÀÄ vÉUz É ÀÄPÉÆAqÀ
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17) AiÀiÁªÀ GzÉÝÃ±ÀPÁÌV ¸Á®UÀ¼À£ÄÀ ß PÉÆqÀ¯ÁVzÉAiÉÆÃ D GzÉÝÃ±ÀPÁÌVAiÉÄÃ «¤AiÉÆÃUÀªÁVzÉAiÉÄÃ
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18) F GzÉÝÃ±ÀPÁÌV gÀÆ¦¹zÀ ¤AiÀÄªÀÄUÀ¼À ¥ÀæPÁgÀ «zÀÄåZÀÒQÛ, ¤ÃgÀÄ ¸ÀgÀ§gÁdÄ, ¤ªÀÈwÛ ªÉÃvÀ£,À
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19)PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À°è ªÀÄvÀÄÛ G¥À«¢üU¼ À À°è CUÀvÀå¥Àr¹zÀAvÉ ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉ ªÀÄvÀÄÛ
«±ÉÃµÀ ¸ÁªÀiÁ£Àå ¸À¨sÉUÀ¼À£ÀÄß £ÀqÉ¸ÀÄªÀÅzÀÄ;
20) ¨ÁåAQ£À £ÀUÀzÄÀ ºÀtPÉÌ, ¨ÁåAQ£À ªÀ¸ÀÄÛU½ À UÉ, MvÉÛ ElÖ ªÀ¸ÀÄÛU½ À UÉ ªÀÄvÀÄÛ EvÀgÉ
D¹ÛU½ À UÉ PÀ¼ÀîvÀ£,À ¨ÉAQ ªÀÄÄAvÁzÀªÅÀ UÀ½AzÀ MzÀUÀvPÀ ÀÌ £ÀµÖÀ¢AzÀ gÀPÀëuÉUÁV «ªÉÄ ªÀiÁr¸ÀÄªÀ
ªÀåªÀ¸ÉÜ ªÀiÁqÀÄªÀÅzÀÄ;
21)jf¸ÁÖçgÀ£ÀÄ, jdªïð ¨ÁåAPÀÄ ªÀÄvÀÄÛ ¸ÀºPÀ ÁgÀ ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀ£Á ¤zÉÃð±ÀP£ À ÀÄ ¤UÀ¢¥Àr¹gÀÄªÀ
£ÀªÄÀ Æ£ÉU¼ À ÉÃ£ÁzÀgÀÆ EzÀÝ°è, CzÀgÀAvÉ J¯Áè ¯ÉPÌÀ ¥ÀvÀæUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ jf¸ÀÖgÄÀ UÀ¼À£ÄÀ ß EqÀ®Ä ªÀåªÀ¸ÉÜ
ªÀiÁqÀÄªÀÅzÀÄ;
22) ¨ÁåAQ£À ¸ÀÄUÀªÀÄ PÁAiÀÄð¤ªÀðºÀuÉUÉ CUÀvÀå«zÀÝ°è, ¨ÁåAQAVUÉ ¸ÀA§Azs¥ À ÀlÖ ¸ÀAWÀ
¸ÀA¸ÉÜU¼ À À°è ¸Àz¸ À ÀåvÀé ¥ÀqÉAiÀÄÄªÀÅzÀÄ ªÀÄvÀÄÛ ¸ÀzÀ¸ÀåvÀé ZÀAzÁ ¥ÁªÀw¸ÀÄªÀÅzÀÄ;
23)CqÀªÀiÁ£ÀªiÀ ÁrzÀ, MvÉÛ¬ÄlÖ, FqÀÄªÀiÁrzÀ, DzsÁgÀªÀiÁrzÀ ªÀ¸ÀÄÛU¼ À À CxÀªÁ D¹ÛU¼ À À ªÀÄvÀÄÛ
¨sz
À vÀæ ÉU¼À À jf¸ÀÖg£ À ÀÄß EqÀ®Ä ªÀåªÀ¸ÉÜ ªÀiÁqÀÄªÀÅzÀÄ ªÀÄvÀÄÛ ¤AiÀÄvÀPÁ°PÀªÁV CªÀÅUÀ¼À ªÀiË®åªÀiÁ¥À£É
ªÀÄvÀÄÛ ¥Àj²Ã®£É ªÀiÁqÀ®Ä ªÀåªÀ¸ÉÜUÉÆ½¸ÀÄªÀÅzÀÄ.
24) ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqU À ¼À À£ÄÀ ß ¤ÃqÀÄªÀ ¸À®ÄªÁV AiÀiÁªÀÅzÉÃ ªÁtÂdå CxÀªÁ ¸ÀºPÀ ÁgÀ
¨ÁåAQ£ÉÆqÀ£É ªÀÄvÀÄÛ ºÀtPÁ¸ÀÄ ¸ÀA¸ÉÜAiÉÆA¢UÉ ¥Á®ÄUÉÆ¼ÀÄîªÀ M¥ÀàAzÀU¼ À À£ÄÀ ß (PÀ£Áì¶ðAiÀÄA
ªÀåªÀ¸ÉÜAiÀÄ£ÀÄß) ªÀiÁrPÉÆ¼ÀÄîªÀÅzÀÄ ªÀÄvÀÄÛ ¥Á®ÄUÉÆ¼ÀÄîªÀ ¤§AzsÀ£ÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ µÀgv À ÀÄÛUÀ¼À£ÄÀ ß
¤tð¬Ä¸ÀÄªÀÅzÀÄ. F C¢üPÁgÀªÀ£ÄÀ ß AiÀiÁªÀÅzÉÃ ¸À«ÄwUÉ CxÀªÁ C¢üPÁjUÀ½UÉ
ªÀ»¹PÉÆqÀ¯ÁUÀzÄÀ ;
25) ªÀÄAqÀ°AiÀÄ G½zÀ CªÀ¢üAiÀÄÄ CzÀgÀ ªÀÄÆ® ¥ÀzÁªÀ¢A ü iÀÄ Czsð À zÀµÖÀQÌAvÀ PÀrªÉÄ
EzÁÝUÀ, ªÀÄAqÀ°AiÀÄ°è AiÀiÁªÀÅzÉÃ PÁgÀt¢AzÀ GzÀãªª À ÁUÀÄªÀ DPÀ¹äPÀ SÁ° ¸ÁÜ£U À ¼
À À£ÄÀ ß
C©üªÀÄvÀ¢AzÀ ¸ÉÃj¹PÉÆ¼ÀÄîªÀ (PÉÆÃ-D¥Àë£ï) ªÀÄÆ®PÀ ¨sÀwð ªÀiÁqÀÄªÀÅzÀÄ;
26) ¨ÁåAQ£À GvÀÛªÀÄ ºÁUÀÆ ¥ÀjuÁªÀÄPÁj PÁAiÀÄð¤ªÀðºÀuÉUÉ
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À À «ÄwAiÀÄ£ÀÄß UÉÆvÀÄÛ¥Àr¸ÀÄªÀÅzÀÄ;
27)PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À ªÀÄvÀÄÛ G¥À«¢üU¼ À À ªÉÄÃgÉUÉ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±ÀPÀgÀ ZÀÄ£ÁªÀuÉUÉ ªÀåªÀ¸ÉÜ
ªÀiÁqÀÄªÀÅzÀÄ ºÁUÀÆ CzsÀåPÀë ªÀÄvÀÄÛ EvÀgÀ ¥ÀzÁ¢üPÁjUÀ¼À£ÄÀ ß ZÀÄ£Á¬Ä¸ÀÄªÀÅzÀÄ;
28)¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ M¦àUU É ÆÉ ¼À¥ÀlÄÖ F PÉ¼ÀPA À qÀ ¥ÀÆgÀPÀ¤AiÀÄªÀÄUÀ¼À£ÄÀ ß gÀÆ¦¸À®Ä,
§zÀ¯Á¬Ä¸À®Ä, ¥ÀÄ£Àgï ¥Àj²Ã°¸À®Ä CxÀªÁ vÉUz É ÀÄºÁPÀ®Ä ªÀÄAq°AiÀÄÄ C¢üPÁgÀ
ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ;
o ¹§âA¢ ¸ÉÃªÁ ¤AiÀÄªÀÄUÀ¼ÀÄ
o ¹§âA¢ £Àqv À É ªÀÄvÀÄÛ ²¸ÀÄÛ ¤AiÀÄªÀÄUÀ¼ÀÄ
o DqÀ½vÀ ºÁUÀÆ ªÀåªÀºÁgÀ ¤AiÀÄªÀÄUÀ¼ÀÄ (±ÁSÉUÀ¼À DqÀ½vÀ ºÁUÀÆ
¤AiÀÄAvÀætUÀ¼À£ÄÀ ß M¼ÀUÉÆAqÀAvÉ)
o ªÀÄgÀuÉÆÃvÀÛgÀ ¸ÀºÁAiÀÄ ¤¢ü, ¸ÀzÀ¸ÀågÀ PÀ¯Áåt ¤¢ü ¤AiÀÄªÀÄUÀ¼ÀÄ.
29) ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ ¤ÃqÀÄªÀ ¸ÀÆZÀ£U É ½
À UÀ£ÀÄ¸ÁgÀªÁV-
 ¨ÁåAQAUï ªÀåªÀºÁgÀU½
À UÉ ¸ÀA§Azs¥
À ÀlÖAvÉ;
 ¸Á® ªÀÄAdÆgÁw ªÀÄvÀÄÛ ªÀ¸ÀÆ¯ÁwUÉ ¸ÀA§AzsÀ¥ÀlÖAvÉ;
56
 ¤¢üUÀ¼À vÉÆqÀV¸ÀÄ«PÉUÉ ¸ÀA§Azs¥
À ÀlÖAvÉ;
 ‘¤ªÀÄä UÁæºÀPg À £À ÀÄß w½¬Äj (PÉ.ªÉÊ.¹)’ ¸ÀA§Azs¥ À ÀlÖAvÉ;
¥ÀÆgÀPÀ¤AiÀÄªÀÄUÀ¼À£ÀÄß/¤ÃwUÀ¼À£ÄÀ ß gÀÆ¦¸À®Ä, §zÀ¯Á¬Ä¸À®Ä, ¥ÀÄ£Àgï
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30) DAiÀiÁ wAUÀ¼À DzÁAiÀÄ RZÀÄðªÉZU ÀÑ À¼À£ÄÀ ß ¥Àj²Ã°¸ÀÄªÀÅzÀÄ ºÁUÀÆ M¦àUÉ ¤ÃqÀÄªÀÅzÀÄ;
31) ¸ÁA¹ÜPÀ GzÉÝÃ±ÀU¼ À À£ÄÀ ß ¸Á¢ü¸À®Ä ¤¢ðµÀÖ UÀÄjUÀ¼À£ÄÀ ß gÀÆ¦¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ CªÀÅUÀ¼À£ÄÀ ß vÀ®Ä¥À®Ä
±Àæ«Ä¸ÀÄªÀÅzÀÄ;
32)¨ÁåAQ£À ºÀtªÀ£ÄÀ ß zÀÄ«ð¤AiÉÆÃUÀ CxÀªÁ ¨ÁåAQUÉ £ÀµÖÀªÅÀ AlÄªÀiÁqÀÄªÀ ªÀÄÆ®PÀ ¹«¯ï ªÀÄvÀÄÛ
Qæ«Ä£À¯ï ºÉÆuÉUÁjPÉUÉ UÀÄjAiÀiÁVgÀÄªÀAxÀ AiÀiÁgÉÃ ªÀåQÛAiÀÄ «gÀÄzÀÞ ¸ÀAzÀ¨Ás ð£ÀÄ¸ÁgÀ ¹«¯ï,
Qæ«Ä£À¯ï ªÀÄvÀÄÛ ²¸ÀÄÛPÀæªÀÄªÀ£ÄÀ ß vÉUz É ÀÄPÉÆ¼ÀÄîªÀÅzÀÄ;
33) PÁAiÉÄÝAiÀÄ PÀ®A 27© ªÉÄÃgÉUÉ ¸À°è¸¨ À ÃÉ PÁzÀ «zsÄÀ åPÀÛ ªÀgÀ¢UÀ¼À£ÄÀ ß ªÀÄvÀÄÛ ªÀiÁ»wAiÀÄ£ÀÄß ¥Àw æ ªÀµÀð
¸É¥ÖÀA§gï 30£ÉÃ ¢£ÀzÆ É ¼ÀUÁV jf¸ÁÖg¤ À UÉ ¸À°è¸v À ÀPÌÀ zÀÄÝ;
34) PÁAiÉÄÝ PÀ®A 39JJ Cr ¤¢ðµÀÖ¥Àr¹zÀ ¸ÀªÄÀ AiÀÄzÉÆ¼ÀUÉ ªÀÄAqÀ°UÉ ZÀÄ£ÁªÀuÉUÀ¼À£ÄÀ ß £Àq¸ É À®Ä
CªÀ±ÀåPÀªÁzÀ ¥ÀÄ¸ÀÛPÀU¼ À À£ÄÀ ß, zÁR¯ÉUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ ªÀiÁ»wAiÀÄ£ÀÄß ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÌÉ
¸ÀPÁ®zÀ°è MzÀV¹ £ÉgÀªÀÅ ¤ÃqÀvPÀ ÀÌzÀÄÝ;
35) ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À ºÀÄzÉÝAiÀÄÄ SÁ° EzÁÝUÀ CxÀªÁ gÀeA É iÀÄ ªÉÄÃ¯É DvÀ£À C£ÀÄ¥À¹Üw
EgÀÄªÁUÀ, ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À ¥ÀZ æ ° À vÀ ¢£À¤vÀåzÀ C¢üPÁgÀU¼ À À£ÄÀ ß ªÀÄvÀÄÛ PÀvðÀ ªÀåU¼À À£ÀÄß
DvÀ£À ¤PÀl PÉ¼ÀV£À C¢üPÁjAiÀÄÄ CxÀªÁ CAxÀ ¤PÀl PÉ¼ÀV£À C¢üPÁjAiÀÄ ªÉÄÃ¯É UÀÄgÀÄvÀgª À ÁzÀ
DgÉÆÃ¥ÀUÀ½zÀÄÝ D §UÉÎ ²¹Û£À «ZÁgÀuÉ ¨ÁQ EzÀÝ°è, CAxÀ ¤PÀl PÉ¼ÀV£À C¢üPÁjAiÀÄ ¤PÀl
PÉ¼ÀV£À C¢üPÁjAiÀÄÄ ¤ªÀð»¸ÀÄªÀAvÉ ªÀåªÀ¸ÉÜ ªÀiÁqÀvÀPÌÀ zÀÄÝ;
36) j¸Àªïð ¨ÁåAPÀÄ / ¸ÀPÁðgÀ ºÉÆgÀr¹zÀ ¸ÀÄvÉÆÛÃ¯ÉUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ ¤ÃwUÀ½UÉ ¸ÀA§AzsÀ¥ÀlÖ
PÁUÀzÀ ¥ÀvæU À ¼
À À£ÄÀ ß ªÀÄAqÀ°AiÀÄ ¥Àw æ ¤zÉÃð±ÀP£ À ÀÄ N¢ CxÀð ªÀiÁrPÉÆ¼ÀÄîªÀAvÉ
£ÉÆÃrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ. ºÁUÀÆ ¸Àzj À ¸ÀÄvÉÆÛÃ¯É ªÀÄvÀÄÛ PÁUÀzÀ ¥ÀvæU À ¼À À£ÄÀ ß ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ°è
ªÀÄAr¸ÀvPÀ ÀÌzÀÄÝ;
37) ¨ÁåAQ£À G£ÀßvÀ ªÀåªÀ¸ÁÜ¥£ À ÉUÁV vÀ£Æ À ä®PÀ ¨ÁåAPÀÄ ¤¢ðµÀÖ PÉëÃvÀæU¼ À À°è ªÀiË°PÀ
PÉÆqÀÄUÉAiÀÄ£ÀÄß ¤ÃqÀÄªÀ zÀÈ¶Ö¬ÄAzÀ ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀPÀ£ÄÀ , ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ
CxÀªÁ ¸Àz¸ À Àå£ÀÄ ¤ÃqÀÄªÀ zsÀ£ÁvÀäPÀ ¸À®ºÉU¼ À À£ÄÀ ß M¦àPÉÆAqÀÄ C£ÀÄµÁÖ£U À Æ
É ½¸ÀÄªÀÅzÀÄ;
38) CªÀ±ÀåPÀvÉ EgÀÄªÀµÀÖgÀ ªÀÄnÖUÉ ¸ÀºPÀ ÁgÀ PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ¼À ºÁUÀÆ ¨ÁåAQAUï
¤AiÀÄAvÀæt PÁAiÉÄÝ 1949 (¸ÀºPÀ ÁgÀ ¸ÀAWÀU½ À UÉ C£ÀéAiÀÄªÁUÀÄªÀAvÉ) gÀ G¥À§AzsÀUÀ¼À£ÄÀ ß
CjvÀÄPÉÆ¼ÀÄîªÀÅzÀÄ;
39) ¨ÁåAQ£À «¸ÀÛøvÀªÁzÀ GzÉÝÃ±ÀUÀ¼À, ZÀlÄªÀnPÉUÀ¼À ªÀÄvÀÄÛ ¤ÃwUÀ¼À §UÉÎ ºÁUÀÆ ¨ÁåAQ£À
G¥À«¢üUÀ¼À, ¤AiÀÄªÀÄUÀ¼À ªÀÄvÀÄÛ ¤§AzsÀ£ÉUÀ¼À §UÉÎ CjvÀÄPÉÆArgÀÄªÀÅzÀÄ;
40) ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ½UÉ ¸ÀA§AzsÀ¥ÀlÖ CeÉAqÁ n¥ÀàtÂ PÁUÀzÀ ¥ÀvæU À À¼À UË¥ÀåvÉAiÀÄ£ÀÄß
PÁ¥ÁqÀÄªÀÅzÀÄ;
41) ¨ÁåAQ£À PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ PÉ¼ÀV£À ¸ÀAUÀwUÀ¼À §UÉÎ ºÉaÑ£À UÀªÄÀ £ÀªÀ£ÄÀ ß ºÀj¸ÀÄªÀÅzÀÄ;
o j¸Àªïð ¨ÁåAQ£À / ¸ÀPÁðgÀzÀ «vÀÛ ªÀÄvÀÄÛ PÉærmï ¤ÃwUÀ¼À£ÄÀ ß ¥Á°¸ÀÄªÀÅzÀÄ;
57
o £ÀUÀzÄÀ «ÄÃ¸À®Ä C£ÀÄ¥ÁvÀ ªÀÄvÀÄÛ ±Á¸À£ÁvÀäPÀ zÀª æ Á¹Û C£ÀÄ¥ÁvÀ (¹DgïDgï ªÀÄvÀÄÛ
J¸ïJ¯ïDgï) UÀ¼À ¤ªÀðºÀuÉ;
o ¨ÁåAQ£À ¹DgïJDgï ªÀÄlÖzÀ ¤ªÀðºÀuÉAiÀÄ §UÉÎ ¤UÁ EqÀÄªÀÅzÀÄ;
o ¤¢üUÀ¼À ¸ÀªÄÀ xÀð ¤ªÀðºÀuÉ ªÀÄvÀÄÛ ¯Á¨sÀzÁAiÀÄPÀvÉAiÀÄ ¸ÀÄzsÁgÀuÉ;
o ¤¶ÌçAiÀÄ D¹ÛUÀ¼À §UÉÎ DzÁAiÀÄ UÀÄgÀÄw¸ÀÄ«PÉ, D¹ÛU¼ À À ªÀVÃðPÀgt À ªÀÄvÀÄÛ ¤¶ÌçAiÀÄ D¹ÛUÀ¼À
ªÉÄÃ¯É ¥Àæ«±À¤AUï ªÀiÁ£ÀzA À qÀUÀ¼À ¥Á®£É;
o DzÀåvÁ ªÀ®AiÀÄ ªÀÄvÀÄÛ zÀÄ§ð® ªÀUÀðzÀªÀjUÉ ¸Á® ¤ÃrPÉ;
o ªÉÆÃ¸À ªÀÄvÀÄÛ ºÀt zÀÄgÀÄ¥ÀAiÉÆÃUÀzÀ ¥ÀPæ ÀgÀtUÀ¼À°è vÀ¦àv¸ À ÀÜgÀ «gÀÄzÀÞ vÉUz
É ÀÄPÉÆAqÀ PÀª æ ÀÄ
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PÀª
æ ÀÄUÀ¼À §UÉÎ ¤UÁ EqÀÄªÀÅzÀÄ;
o DAvÀjPÀ ¤AiÀÄAvÀæt ªÀåªÀ¸ÉÜ ªÀÄvÀÄÛ ºË¸ïQÃ¦AUï (¯ÉPÌÀ ¥ÀvÀæUÀ¼À ¸ÀªÄÀ ¥ÀðPÀ ¤ªÀðºÀuÉ ªÀÄvÀÄÛ
¤AiÀÄvÀPÁ°PÀ ºÉÆAzÁtÂP)É UÀ¼À §®ªÀzÀð s £É;
o J®è PÁ®UÀ¼À°èAiÀÄÆ G£ÀßvÀ UÁæºÀPÀ ¸ÉÃªÉAiÀÄ£ÀÄß MzÀV¸ÀÄªÀAvÉ ªÀÄvÀÄÛ UÁæºÀPj À UÉ §zÀÞvÉAiÀÄ
¸ÀA»vÉAiÀÄ£ÀÄß C¼ÀªÀr¸ÀÄªÀAvÉ £ÉÆÃrPÉÆ¼ÀÄîªÀÅzÀÄ;
o GvÀÛªÀÄ ªÀåªÀ¸ÁÜ¥£ À Á ªÀiÁ»w ªÀåªÀ¸ÉÜAiÀÄ£ÀÄß C©üªÈÀ ¢Þ¥Àr¸ÀÄªÀÅzÀÄ;
o UÀtQÃPÀgt À ªÀÄvÀÄÛ «zÀÄå£Áä£À ¥ÁªÀw ªÀåªÀ¸ÉÜAiÀÄ°è ¨sÁUÀªÀ»¸ÀÄ«PÉ;
42) ¨ÁåAQ£À ¸ÁÜ¥£ À ÉAiÀÄ GzÉÝÃ±ÀUÀ¼À£ÄÀ ß ¸Á¢ü¸À®Ä CUÀvÀåªÁzÀ / C£ÀÄPÀÆ®ªÁzÀ EvÀgÀ J¯Áè
PÀª
æ ÀÄUÀ¼À£ÄÀ ß vÉUz
É ÀÄPÉÆ¼ÀÄîªÀÅzÀÄ;
¨ÁåAPï £À PÉ®¸À PÁAiÀÄðUÀ¼À£ÄÀ ß zÀPëÀvÉ¬ÄAzÀ ¤ªÀð»¸À®Ä DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ G¥À¸À«ÄwUÀ½UÉ ºÁUÀÆ
»jAiÀÄ C¢üPÁjUÀ½UÉ AiÀÄÄPÀÛ C¢üPÁgÀU¼ À À£ÄÀ ß ¤ÃqÀvÀPÀÌzÀÄÝ.
58. POWERS OF THE BOARD :
(1) The board shall be competent to conduct the affairs of the bank subject to the
provisions of the Act, the rules and the byelaws and the decisions taken by the general
body meeting and the instructions/circulars issued by RBI from time to time. While
counducting of the affairs of the bank, every member of the board shall exercise
prudence and diligence of an ordinary man of business and shall not do anything
contrary to the Act, the rules, the bye-laws, the subsidiary rules and the directives of the
Reserve Bank.
(2) The board shall exercise all such powers as may be necessary or expedient for the
purpose of carrying out the functions conferred on it nunder the provisions of the Act,
the rules and the bye-laws and instructions/directives of Reserve Bank of India.
(3) Without prejudice to the generality of the foregoing, such powers shall include the
following
a. to admit members;
b. to allot shares and approve the transfer of shares;
c. to frame the deposit rules as per the instructions of the Reserve Bank;
d. to raise resources in the form of various types of deposit and if need be, borrow
58
funds from the financing agencies;
e. to determine the rate of interest on loans and deposits from time to time subject to
the directives issued by the Reserve Bank;
f. to consider the applications for loans and advances received from the members
and sanction the loans strictly in accordance with the terms of the Loan Policy
and Loan Rules formulated by the Bank according to the directives/circulars of
Reserve Bank of India and the instructions of the Registrar and Karnataka State
Souharda Federal Cooperative
g. to open and maintain accounts with other banks and financial institutions under
section 18 of the Act, to the extent required for the functioning of the bank, to
invest the surplus funds of the bank in the approved government and trustee
securities and deposits subject to Act, the rules and the directives issued by
Reserve Bank, from time to time;
h. to appoint the valuer and appraiser for valuation of the securities pledged to the
bank and fix their remuneration;
i. to appoint legal advisor for examining the title deeds etc in respect of property
mortgaged to the bank, to send legal notices, to file and defend litigations as per
the terms of reference/guidelines formulated by the Bank and fix his
remuneration;
j. to purchase movable properties necessary for the bank; to purchase, mortgage or
sell the immovable property with approval of the general body and to own or
acquire on lease or rent suitable buildings and premises required for the use of the
bank after following the transparency laws; to fix rent and rent advance wherever
necessary; to maintain the movable and immovable properties of the bank;
k. to open, within the area of operation of the bank and with prior approval of the
Reserve Bank, branches, sub-offices, pay offices, sub-pay offices and extention
counters and ATM counters;
l. to nominate delegates to other cooperative societies including the federations,
societies and associations and depute representatives delegates for participation in
the general meetings, conferences and seminars when required;
For smooth functioning of the Bank, the Board shall delegate suitable powers to the
senior officers and sub committee
Duties of the Board of Directors

1. to receive complaints from the members and customers and dispose of
them;
2. to prepare the financial statements like; the receipts and payments or
income and expenditure, profit and loss and the balance sheet alongwith
necessary schedules and other statements, as at the end of the cooperative
59
year and present the same before the auditor within 30 days from the date
of close of that cooperative year;
3. to furnish all necessary information, accounts and books to the auditor in
time and provide full aid and assistance for completion of the audit in time
and obtain the audit report of the preceding cooperative year by 1 st day of
September every year.
4. to arrange to file, defend or compromise suits or other legal proceedings;
5. to determine the cadre strength and the related education qualification and
experience, subject to the budget allocation sanctioned by the general body
and considering the work load and business requirements of the bank, and
to determine the payscale, dearness allowance and other allowances
admissible to each employee keeping in view the financial position and
profitability of the bank;
6. to consider the inquiry and the inspection reports of the departmental
officers and the Reserve Bank, to take action as per the said reports in time
and report the action taken to the Registrar and the Reserve Bank;
7. to dispose of unserviceable articles of dead stock of the bank in public
auction or if it is not possible to sell them in public auction, to write off
such articles and remove them from the stock statement;
8. to recover the loan instalments and interest due in time to the extent
possible, to examine the cases of overdue loans of the members as per the
loan rules and to determine if any modification in the terms and conditions
for repayment of loans is considered necessary,
9. to grant extension for repayment of loans in deserving cases subject to the
directives of the Rserve Bank of India, the Registrar and the Souharda
Federal Cooperative.
10.to frame staff service rules regarding recruitment, promotion, service
conditions, training, disciplinary action etc, and get them approved from the
general body;
11.to appoint the Chief Executive of the bank under section 29G and other
staff required for the business of the bank in accordance with the rules and
obtain necessary security from them;
12.to institute disciplinary proceedings against the erring and impose
punishment proportionate to the gravity of the charges proved;
13.to approve the expenditure necessary for the business of the bank subject to
the provisions of the annual budget;
14.to contribute to the staff provident fund and staff gratuity fund as required
in terms of staff provident fund rules and staff gratuity fund rules framed by
the board;
15.to exercise supervision and control over the working of the central office
60
and branches of the bank;
16.to prescribe forms, applications, loan bonds, mortgage deeds, rigisters etc
necessary for the satisfactory and effective functioning of the bank;
17.to arrange for the safe keeping of cash, valuables and other assets and to
arrange for surprise check of cash, godowns, pledged articles and
investments etc., atleast once in a month;
18.to arrange for collection of electricity bills, water bills, pension, provident
fund, telephone bills, taxes etc., as per the rules framed in this regard;
19.to hold annual general and special general meetings as required under the
Act, the rules and the bye-laws;
20.to arrange to insure bank’s cash, bank's articles, pledged articles and other
assets to cover loss risk against fire, theft etc.,
21.to arrange for the maintenance of books of accounts and registers in the
formats prescribed if any, by the Registrar, the Reserve Bank and the
director of co-operative audit;
22.if required for the smooth functioning of the bank, to secure membership of
societies / associations concerned with banking and pay the related
membership subscriptions.
23.to arrange for maintenance of register of mortagaged, pledged and
hypothecated goods or assets and securities and to arrange for periodical
verification and valuation of such goods or assets;
24.to enter into participation in the consortium arrangements with any
commercial or co-operative bank or any financial institution for the purpose
of giving loans and advances and to determine the terms and conditions of
such participation. This power shall not be delegated to any committee or
officer;
25.to fill up casual vacancies occurring in the board for any reason through co-
option, if the remaining term of the board is less than half of its original
term;
26.to fix the limits upto which the chief executive may incur expenditure for
the proper and efficient functioning of the bank;
27.to arrange for the election of the directors of the board in accordance with
the provisions of the Act, the rules and the bye-laws; to elect president and
the office bearers;
28.to frame, alter, review or omit any of the subsidiary rules, subject to the
approval of the general body, in respect of -
o staff service,
o staff conduct and discipline
o administration (including branch working and control)
o death relief fund and members welfare fund,
61
29.The board shall also frame, alter, review or delete any of the subsidiary
rules/policies in accordance with the instructions issued by the Reserve
Bank, from time to time in respect of-
o banking business
o sanction and recovery of loans
o investment of funds
o know your customer(KYC) norms
30.to review and approve the monthly receipts and payments / income and
expenditure;
31.to setup specific goals to be achieved towards the organizational objectives
and take steps to reach he said targets;
32.to initiate civil, criminal and disciplinary action, as the case may be, against
any person who may have incurred civil or criminal liability by way of
misappropriation or causing loss to the bank;
33.to file annual returns and informations with the Registrar as per section 27B
of the Act within thirtieth day of Sepetember every year;
34.to furnish necessary books, records and information within time and
provide timely assistance to the cooperative election commission for the
conduct of elections within the time stipulated under section 39AA of the
Act;
35.when the post of the Chief Executive is vacant, or during his absence on
leave, shall arrange for performance of the current routine powers and
duties of the Chief Executive by the officer next below him or any other
suitable Officer
36.to ensure that all circulars and other material relating to policies issued by
the Reserve Bank/Government are read and understood by every director of
the board and are also placed before the board for suitable action;
37.to accept and implement all constructive ideas given by any director, the
chief executive or any member of the bank for the better management of the
bank thus enabling the bank for making valuable contribution in specific
areas;
38.to be acqainted with the provisions of the Cooperative Act and the Rules
and also the Banking Regulation Act, 1949 (AACS) to the extent necessary;
39.to be familiar with the broad objectives, activities and policies of the bank
and also to be familiar with the byelaws and rules and regulations of the
bank;
40.to ensure confidentiality of the agenda papers and notes of the meeting of
the board;
41.to bestow greater attention on the following aspects of the bank’s working;
62
o compliance with monetary and credit policies of the Reserve
Bank/Government
o observance of Cash Reserve Ratio and Statutory Liquidity Ratio
(CRR and SLR)
o vigilance on the level of Capital to Risk Asset Ratio (CRAR)
o efficient management of funds and improving profitability
o compliance with guidelines on income recognition, asset
classification, provisioning towards non performing assets.
o loans to priority sector/weaker sections
o vigilance on frauds and misappropriation including steps taken
against the guilty and steps to be taken for prevention of such
frauds and misappropriation.
o strengthening of internal control system and housekeeping viz.
proper maintenance of books of accounts and periodical
reconciliation.
o ensuring better customer service at all times and ensuring code of
commitment of the bank to customers.
o development of a good management information system
o computerization and participation in electronic payment system.
42.to take all such other action as necessary for the attainment of or conducive
to achieve the objectives of the establishment of the bank;
59. G¥À¸« À ÄwUÀ¼ÀÄ
C¢üPÁgUÀ¼À ºÁUÀÆ ¤tðAiÀÄUÀ¼À «PÉÃA¢æPg À t
À ªÀÄÆ®PÀ wÃªÀiÁð£ÀU¼ À À£ÄÀ ß ²ÃWÀæªÁV PÉÊUÉÆ¼Àî®Ä ºÁUÀÆ
AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ §UÉÎ D¼ÀªÁzÀ CzsåÀ AiÀÄ£À £Àq¹
É ¤tðAiÀÄUÀ¼À£ÄÀ ß PÉÊUÉÆ¼Àî®Ä, ¤AiÀÄAvÀæPÀgÀ ¸ÀÆZÀ£ÉUÉ
C£ÀÄ¸ÁgÀªÁV F PÉ¼ÀPÀAqÀ G¥À¸À«ÄwUÀ¼À£ÄÀ ß gÀa¸À§ºÀÄzÁVgÀÄvÀÛzÉ. DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ ¥Àw æ
G¥À¸À«ÄwUÉ C£ÀéAiÀÄªÁUÀÄªÀAvÉ ¥Àv æ ÉåÃPÀ G¯ÉèÃR ¤AiÀÄªÀÄUÀ¼À£ÀÄß C¼Àªr À ¹ F G¥À¸À«ÄwUÀ¼ÀÄ G¯ÉèÃR
¤AiÀÄªÀÄUÀ¼À£ÀÄß ¥Á°¹ vÀªÄÀ ä ºÉÆuÉUÁjPÉUÀ¼À£ÀÄß ¤ªÀð»¸ÀÄªÀÅzÀ£ÄÀ ß RavÀ¥Àr¹PÉÆ¼Àî¨ÃÉ PÀÄ.
1. PÁAiÀÄðPÁj/C©üªÈÀ ¢Þ G¥À¸À«Äw
2. Drmï G¥À¸À«Äw
3. ¸Á® G¥À¸À«Äw
4. ¸ÀÄ¹Û ¸Á®UÀ¼À G¥À¸À«Äw
5. D¹Û-ºÉÆuÉUÁjPÉU¼ À À ¤ªÀðºÀuÉ G¥À¸À«Äw
6. ºÀÆrPÉ G¥À¸À«Äw
EªÀÅUÀ¼À eÉÆvÉUÉ DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ «±ÉÃµÀ GzÉÝÃ±ÀU½ À UÁV vÁvÁÌ°PÀ G¥À¸À«ÄwUÀ¼À£ÄÀ ß gÀa¸À§ºÀÄzÀÄ
G¥À¸À«ÄwUÀ¼À ¸À¨sÉUÀ½UÉ ºÁdgÁUÀÄªÀ ¤zÉðÃ±ÀPÀjUÉ DqÀ½vÀ ªÀÄAqÀ° ¸À¨sÉ ¨sv À ÉåUÀ¼À ±ÉÃ. 75 gÀµÀÄÖ
¨sv
À ÉåUÀ¼À£ÄÀ ß ¥ÀqA
É iÀÄÄªÀ CºÀðvÉ EgÀÄvÀÛzÉ.
63
G¥À¸« À ÄwUÀ¼À UÁvÀæ
AiÀiÁªÀÅzÉÃ G¥À¸À«ÄwAiÀÄ°è ¸ÁªÀiÁ£ÀåªÁV 5 ¤zÉðÃ±ÀPÀgÀÄ EgÀvÀPÌÀ zÀÄÝ. ºÉZÀÄÑªÀjAiÀiÁV G¥À¸À«ÄwUÉ
¸ÀÆPÀÛªÉAzÀÄ PÀAqÀÄ§AzÀ E§âgÀÄ vÀdÕgÀ£ÄÀ ß «±ÉÃµÀ DºÁé¤vÀgÄÀ JAzÀÄ ¤AiÀÄ«ÄvÀ CªÀ¢üAiÀÄªÀgÉUÉ
¸ÉÃj¹PÉÆ¼Àî§ºÀÄzÀÄ. AiÀiÁªÀÅzÉÃ PÁgÀtPÁÌV G¥À¸À«Äw ¸Àz¸ À ÀågÀ ¸ÀASÉå ¤UÀ¢vÀ 5£ÀÄß «ÄÃjzÀ°è,
PÁgÀtUÀ¼À£ÄÀ ß UÀt£ÉUÉ vÉUz É ÀÄPÉÆAqÀÄ DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ F §UÉÎ «±ÉÃµÀ ¤tðAiÀÄªÀ£ÄÀ ß
vÉUzÉ ÀÄPÉÆ¼ÀîvÀPÌÀ zÀÄÝ. G¥À¸À«ÄwUÀ¼À ¸À¨sÉUÀ¼À°è PÉÆÃgÀA ¸ÀASÉå ªÀÄÆgÀÄ EgÀvÀPÌÀ zÀÄÝ. AiÀiÁªÀÅzÉÃ PÁgÀtPÀÆÌ
AiÀiÁªÀÅzÉÃ G¥À¸À«ÄwAiÀÄ ¸Àz¸ À ÀågÀ ¸ÀASÉå DqÀ½vÀ ªÀÄAqÀ° ¸À¨sÉUÉ CUÀvÀåªÁzÀ PÉÆÃgÀAÀ ¸ÀASÉåAiÀÄ£ÀÄß
«ÄÃgÀvPÀ ÀÌzÀÝ®è.
G¥À¸À«ÄwUÀ¼À C¢üPÁgÀUÀ¼ÀÄ ªÀÄvÀÄÛ PÀvÀðªÀåUÀ¼ÀÄ

G¥À¸À«ÄwUÀ¼ÀÄ vÀªÄÀ ä ºÉÆuÉUÁjPÉU¼ À À£ÄÀ ß zÀPëÀvÉ¬ÄAzÀ ¤AiÀÄ«ÄvÀ CªÀ¢üAiÉÆ¼ÀUÉ ¤ªÀð»¸À®Ä
C£ÀÄPÀÆ®ªÁUÀÄªÀAvÉ DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ G¥À¸À«ÄwUÀ½UÉ ¸ÀÆPÀÛ C¢üPÁgÀU¼ À À£ÄÀ ß ¤ÃqÀvÀPÌÀ zÀÄÝ. ªÀÄÄRå
PÁAiÀÄð¤ªÁðºÀPÀ CxÀªÁ ¸ÀÆPÀÛ »jAiÀÄ C¢üPÁjAiÀÄÄ G¥À¸À«ÄwUÀ¼À ¸ÀAAiÉÆÃdPÀgÁVgÀvÀPÌÀ zÀÄÝ ºÁUÀÆ
DqÀ½vÀ ªÀÄAqÀ° CzsÀåPÀë CxÀªÁ AiÀiÁªÀÅzÉÃ ¤zÉðÃ±ÀPÀ G¥À¸À«ÄwAiÀÄ CzsÀåPÀëvÉAiÀÄ£ÀÄß ªÀ»¸À§ºÀÄzÀÄ.
G¥À¸À«ÄwUÀ¼À £Àqª À À½UÀ¼À£ÄÀ ß ¸ÀAAiÉÆÃdPÀ C¢üPÁjAiÀÄÄ ¤UÀ¢vÀ ¥ÀÅ¸ÀÛPÀzÀ° £Àqª À À½UÀ¼À£ÄÀ ß zÁR°¹
ºÁdjzÀÝ J®è ¸Àz¸ À ÀågÀ ¸À»UÀ¼À£ÄÀ ß ¥ÀqA
É iÀÄvÀPÌÀ zÀÄÝ. F £Àqª
À À½UÀ¼À£ÄÀ ß ªÀÄÄA¢£À DqÀ½vÀ ªÀÄAqÀ°AiÀÄ
¸À¨sÉAiÀÄ°è ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ZÀZÉð ªÀÄvÀÄÛ C£ÀÄªÉÆÃzÀ£ÉUÁV ªÀÄAr¸ÀvPÀ ÀÌzÀÄÝ.
59. Sub Committees
For the purpose of Decentralizing the decision and thus hasten the decision making
process and to study any particular subject intensively, as per the directives/instructions
from the Regulators, the Bank may constitute following sub-commitees. The Board of
Directors shall adopt Terms of Reference for each sub committee and thereafter shall
ensure that the proceedings of these sub committees are in tune with the relevant Terms
of Refernce:
 Executive/Development Committee :–
 Audit Committee :-
 Loan Committee :-
 Arrears Sub Commiittee
 ALM Subcommittee
 Investment Subcommittee
In addition, the Board of Directors may constitute adhoc subcommittees for specific
purposes such as computerization, construction/renovation of buildings among others.
The Directors attending the meetings of the subcommittees are eligible for drawing
75% of sitting fees payable for the regular Board of Directors
Subcommittee size
Each subcommittee shall comprise of five Directors. The sub committee may invite not
64
more than two experts as Special Invitees to participate in the Sub committee meetings
for a limited period. If the number of a subcommittee members needs to be more than
the prescribe five, the Board of Directors may take in to the reasons for the same and
pass a special resolution in this regard specifying the number of members of the
particular subcommittee. The quorum for a meeting of these sub-committees shall be
three. The number of subcommittee membership sould not exceed the number required
for quorum for the Board of Directors Meeting
Powers of the Sub Committees

The board shall provide appropriate delegation of powers to the sub-committees to
enable them to carry out the functions given to them. The chief executive of the bank
shall be the convenor and the president or any other Directors shall be the chairperson
of the sub-committees. The proceedings of the sub-committee meetings shall be
recorded by the chief executive in a separate register meant for the purpose and the
signatures of the chairperson and the directors present in the meeting shall be obtained.
The proceedings of the sub-committee shall be placed before the next meeting of the
board for ratification / confirmation.
60. CzsÀåPÀë :
¨ÁåAQ£À DqÀ½vÀ ªÀÄvÀÄÛ ªÀåªÀ¸ÁÜ¥£
À ÉAiÀÄÄ CzsÀåPÀë£À ¸ÁªÀiÁ£Àå ¤AiÀÄAvÀætPÉÆÌ¼¥
À ÀnÖgv
À ÀPÌÀ zÀÄÝ.
(1) DvÀ£ÄÀ –
 ¸ÁªÀiÁ£ÀåªÁV ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ ªÀÄvÀÄÛ ¹§âA¢ªÀUÀðzÀªÀgÀ PÉ®¸ÀPÁAiÀÄðUÀ¼À ªÉÄÃ®Ä¸ÀÄÛªÁj
 ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ ªÀÄvÀÄÛ ¹§âA¢ªÀUÀðzÀªÀjUÉ ¤AiÀÄªÀÄUÀ¼À ¥Á®£É, ¨ÁåAPï £À PÁAiÀÄðPÀëªÀÄvÉ, ªÀåªÀºÁgÀ
UÁæºÀPÀ ¸ÉÃªÉ, ¸ÀzÀ¸ÀågÀ PÀ¯Áåt ªÀÄÄAvÁzÀªÅÀ UÀ¼À §UÉÎ ªÀiÁUÀðzÀ±ð
À £À ¤ÃqÀÄªÀÅzÀÄ
 ¸Àz¸
À ÀågÀÄ ºÁUÀÆ UÁæºPÀ ÀgÉÆA¢UÉ ªÀåªÀºj
À ¸ÀÄªÀÅzÀÄ
 ¨ÁåAPï £À ¥Àgª
À ÁV ¸ÀzÀ¸ÀågÀÄ ºÁUÀÆ UÁæºÀPg
À Æ
É A¢UÉ ¸ÀAªÀº£
À À ºÉÆA¢gÀÄªÀÅzÀÄ
 ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ, ªÀÄAqÀ°AiÀÄ ªÀÄvÀÄÛ G¥À¸À«ÄwUÀ¼À ¸À¨sÉUÀ¼À CzsåÀ PÀëvÉAiÀÄ£ÀÄß ªÀ»¸ÀÄªÀÅzÀÄ
 CzsÀåPÀëvÉ ªÀ»¹zÀ J¯Áè ¸À¨sÉUÀ¼À £Àqª
À À½UÀ¼À£ÀÄß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£
À ÀÄ zÁR°¹ ¸À» ªÀiÁrzÀ £ÀAv
£Àqª
À À½UÀ½UÉ ¸À» ªÀiÁqÀvPÀ ÀÌzÀÄÝ
 AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ ¤tðAiÀÄzÀ ¥ÀgÀ ªÀÄvÀÄÛ «gÉÆÃzsÀªÁV ¸ÀªiÀ Á£À ªÀÄvÀU¼
À ÀÄ §AzÁUÀ, ZÀÄ£ÁªÀuÉAiÀÄ «µ
ºÉÆgÀvÀÄ¥Àr¹ G½zÉ®è «µÀAiÀÄUÀ¼À ¸ÀA§AzsÀzÀ°è CAxÀ ¤tðAiÀÄzÀ ªÉÄÃ¯É ¤uÁðAiÀÄPÀ CxÀªÁ JgÀqÀ£ÃÉ
ZÀ¯Á¬Ä¸ÀÄªÀ C¢üPÁgÀ ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ.
65
60. PRESIDENT :
The President shall have general control over the administration and management of the bank.
(1) He shall –
a. Generally Supervise the tasks performed by the CEO and the staff
b. Guide the CEO and other officials about the functioning of the bank, business development, c
service, member welfare activities etc;
c. To interact with the members and customers
d. To communicate with members and depositors on behalf of the Bank.
e. preside over the meetings of the general body, board and sub-committees;
f. sign the proceedings of the meetings presided over by him after the Chief Executive records a
the proceedings;
g. have a casting or a second vote in the event of equality of votes for or against any resolutio
subject;
h. represent the Bank in all the forums associated with banking, cooperative societies and others
61. G¥ÁzsÀåPÀë : CzsÀåPÀë£À UÉÊgÀÄºÁdjAiÀÄ°è ªÀÄvÀÄÛ °TvÀz° À è C¢üPÈÀ vÀ C¢üPÁgÀ ¤ÃrzÀÝ°è, G¥ÁzsåÀ PÀë£ÀÄ CzsåÀ P
PÁAiÀÄðUÀ¼À£ÄÀ ß F PÉ¼ÀPA
À qÀÀ ¸ÀAzÀ¨sÀðUÀ¼À°è £ÉÆÃrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ.:
 CzsåÀ PÀëgÄÀ UÉÊgÀÄºÁdgÀÄ PÉÆÃjPÉAiÀÄ£ÀÄß ¸À°è¹zÀÄÝ CªÀgÀ UÉÊgÀÄºÁdj CªÀ¢üAiÀÄ°è
 CzsåÀ PÀëgÀ ¤¢ðµÀÖ °TvÀ DzÉÃ±ÀzÀ ªÉÄÃgÉUÉ
 CzsåÀ PÀëgÄÀ ªÀiÁ»w ¤ÃqÀzÉ UÉÊgÀÄºÁdgÁzÀ ¸ÀAzÀ¨Àð
s UÀ¼À°è
 CzsåÀ PÀëgÄÀ vÁvÁÌ°PÀ C¤ªÁAiÀÄðvÉUÀ¼À PÁgÀt¢AzÀ UÉÊgÀÄºÁdgÁzÀ°è
61. VICE-PRESIDENT : the Vice-President shall look after the work of the President under the fo
circumstances:
1. Absence of the President where the President has sent in his request for leave of absence
2. under Specific written authorization of the President
3. When the Presdient has absented himself without notice continuously
4. When the President is incapacitated, temporarlily
66
62. ¤zÉÃð±ÀP£ À À PÀvÀðªÀåUÀ¼ÀÄ, C¢üPÁgÀUÀ¼ÄÀ ªÀÄvÀÄÛ ¥ÀæPÁAiÀÄðUÀ¼ÀÄ :
¨ÁåAQ£À ¥ÀæwAiÉÆ§â ¤zÉÃð±ÀP£ À ÀÄ
1. ¨ÁåAQ£À ¸ÀÆÜ® GzÉÝÃ±ÀUÀ¼À ºÁUÀÆ ¸ÀPÁðgÀªÀÅ ªÀÄvÀÄÛ j¸Àªïð ¨ÁåAPÀÄ ¤UÀ¢¥Àr¹zÀAvÉ ¨ÁåAQ£À ¤ÃwUÀ¼À
G¼ÀîªÀ£ÁVgÀvÀPÌÀ zÀÄÝ;
2. PÀ£ÁðlPÀ ¸ÀºPÀ ÁgÀ ¸ÀAWÀUÀ¼À PÁAiÉÄÝ 1959, PÀ£ÁðlPÀ ¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À ¤AiÀÄªÀÄUÀ¼ÀÄ 1960, ¨ÁåAQAUï ¤
PÁAiÉÄÝ, 1949 (¸ÀºPÀ ÁgÀ ¸ÀAWÀU½ À UÉ C£ÀéAiÀÄªÁUÀÄªÀAvÉ) ºÁUÀÆ ¨ÁåAQ£À G¥À«¢üUÀ¼À G¥À§
CxÉÊð¹PÉÆArgÀvÀPÌÀ zÀÄÝ;
3. ¤zÉÃð±ÀPÀ£ÁV vÀ£ßÀ PÀvð À ªÀåU¼ À À ªÀÄvÀÄÛ ¥ÀæPÁAiÀÄðUÀ¼À ¤ªÀðºÀuÉAiÀÄ°è ¸ÀªiÀ Á£À ¸ÀégÆ À ¥ÀzÀ ¸ÀAzÀ¨ÀsðUÀ¼À°è M§â
ªÀåQÛAiÀÄÄ ªÀwð¸ÀÄªÀAvÀºÀ zÀÆgÀzÀÈ¶Ö, ªÀÄÄAzÁ¯ÉÆÃZÀ£É, ±ÀæzÉÞ ªÀÄvÀÄÛ ¤UÁ ªÀ»¸ÀvPÀ ÀÌzÀÄÝ;
4. ¥ÁæªÀiÁtÂPv À É ªÀÄvÀÄÛ ¤µÉ¬
× ÄAzÀ ºÁUÀÆ ¨ÁåAQ£À CvÀÄåvÀÛªÀÄ »vÀzÈÀ ¶Ö¬ÄAzÀ PÁAiÀÄð ¤ªÀð»¸ÀvÀPÀÌzÀÄÝ.
5. ªÀÄAqÀ°AiÀÄ ¸À¨sÉUÀ½UÉ ¤AiÀÄvÀªÁV ªÀÄvÀÄÛ ¥ÀjuÁªÀÄPÁjAiÀiÁV ¨sÁUÀªÀ»¸ÀvPÀ ÀÌzÀÄÝ ºÁUÀÆ ¸ÀºPÀ ÁgÀ ªÀÄ£ÉÆÃ¨
ªÀwð¸ÀvPÀ ÀÌzÀÄÝ;
6. ¸À¨sÉ ¥ÁægA À ¨sªÀ ÁUÀÄªÀÅzÀPÌÉ ªÀÄÄ£Àß CeÉAqÁ n¥ÀàtU Â ¼À À£ÄÀ ß ªÀÄvÀÄÛ PÁUÀzÀ ¥ÀvæUÀ ¼À À£ÄÀ ß D¼ÀªÁV C¨sÀå¹¸ÀvPÀ ÀÌzÀÄÝ,
«µÀAiÀÄUÀ¼À ªÉÄÃ°£À ZÀZÉðAiÀÄ°è ¨sÁUÀªÀ»¹ vÀ£ßÀ C©ü¥ÁæAiÀÄªÀ£ÄÀ ß ¸ÀàµÖÀ ªÀÄvÀÄÛ ¤RgÀªÁzÀ ¥ÀzU À ¼
À À°è ªÀåPÀÛ ª
ªÀÄvÀÄÛ F GzÉÝÃ±ÀPÁÌV AiÀiÁªÀÅzÉÃ ªÀiÁ»wAiÀÄÄ CUÀvÀå«zÀÝ°è CzÀ£ÄÀ ß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À AzÀ ¥Àqz É ÀÄPÉÆ¼Àîv
7. ªÀÄAqÀ°AiÀÄ CeÉAqÁ n¥ÀàtU Â ¼À À PÁUÀzÀ ¥ÀvUÀæ ¼
À À UÉÆÃ¥ÀåvÉAiÀÄ£ÀÄß PÁ¥ÁqÀvÀPÌÀ zÀÄÝ;
8. ¨ÁåAQ£À ¤¢üUÀ¼ÀÄ AiÀÄÄPÀÛªÁV ªÀÄvÀÄÛ £ÁåAiÀÄ¸ÀªÄÀ ävÀ jÃwAiÀÄ°è ¸ÁªÀiÁ£Àå ¸Àz¸ À ÀågÀ C£ÀÄPÀÆ®PÁÌV G¥ÀAiÉÆÃUÀª
RavÀ¥r À ¹PÉÆ¼ÀîvÀPÌÀ zÀÄÝ;
9. ¨ÁåAQ£À ¸ÁªÀiÁ£Àå ¤ÃwAiÀÄ£ÀÄß gÀÆ¦¸ÀÄªÀ°è D¼ÀªÁV vÉÆqÀV¹PÉÆ¼ÀîvÀPÌÀ zÀÄÝ ªÀÄvÀÄÛ ªÀÄAqÀ°AiÀÄ ºÀAvÀz° À è CU
ªÀÄnÖUÉ ¨ÁåAQ£À PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ£ÀÄß eÁUÀgÀÆPÀv¬ É ÄAzÀ ªÉÄÃ°éZÁgÀuÉ £Àq¸ É ÀÄªÀAvÉ £ÉÆÃrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ;
10. ªÀåªÀ¸ÁÜ¥£ À ÉUÉ, vÀ£UÀ É ¸ÁzsÀåªÁzÀµÄÀ Ö ªÀÄnÖU,É vÀ£ßÀ §Ä¢ÞªA À wPÉ, eÁÕ£À ªÀÄvÀÄÛ ªÀiÁUÀðzÀ±ð À £ÀªÀ£ÄÀ ß PÉÆqÀvÀPÌÀ zÀÄÝ;
11. EvÀgÀ ¤zÉÃð±ÀPÀgÀ eÉÆvÉ ¸ÀºPÀ ÁgÀ¢AzÀ PÀÆrzÀ MAzÀÄ vÀAqÀªÁV PÉ®¸À ªÀiÁqÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ ªÀåQÛ¸A À §AzsÀ (ind
¥À¸
æ ÁÛªÀU¼ À À£ÄÀ ß ¥ÁæAiÉÆÃf¸ÀvPÀ ÀÌzÀÝ®è CxÀªÁ CªÀÅUÀ¼À «gÀÄzÀÞªÁV ¥ÀÆªÀðUÀæºÀ C©ü¥ÁæAiÀÄUÀ¼À£ÄÀ ß ºÉÆA¢gÀvÀPÌÀ zÀÝ®è;
(2) AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀPÀ£ÄÀ ¤¢ðµÀÖ CªÀ¢üAiÀÄ µÉqÆÀ å°£ÀAvÉ C£ÀÄ¸ÀgÀuÁ ªÀgÀ¢UÀ¼À£ÀÄß PÀ¼ÀÄ
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À£ÄÀ ß CUÀvÀå¥Àr¸À§ºÀÄzÀÄ;
¤zÉðÃ±ÀPÀ£À C¢üPÁgÀUÀ¼ÀÄ:
1. ºÁdgÁw ºÁQzÀ ¥Àw æ ¤zÉðÃ±ÀPÀ ªÀÄAqÀ° ¸À¨sÉ, G¥À¸À«Äw ¸À¨sÉ ºÁUÀÆ EvÀgÀ O¥ÀZÁjPÀ ¸À¨sÉUÀ½U ¤zÉðÃ±ÀP
¨sv
À Éå ºÁUÀÆ EvÀgÀ ¨svÀ ÉåUÀ¼ÀÄ ªÀÄvÀÄÛ ¸ÀªÀ®vÀÄÛU¼
À À£ÄÀ ß ¥ÀqÉAiÀÄ§ºÀÄzÀÄ
2. ¤zÉðÃ±ÀP¤ À UÉ O¥ÀZÁjPÀ ¸À¨sÉUÀ¼À CeÉAqÁ ºÁUÀÆ ¸ÀA§AzsÀ¥ÀlÖ zÁR¯ÉU¼ À ÀÄ ºÁUÀÆ ªÀiÁ»wUÀ¼À£ÀÄß ¸À¨sÉ
¢£ÁAPÀQÌAvÀ ªÀÄÄAavÀªÁV PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ.
3. ¤zÉðÃ±ÀPÀ£ÄÀ ¨ÁåAPï £À PÁAiÀÄðPÀëªÀÄvÉUÉ ¸ÀA§A¢ü¹zÀ AiÀiÁªÀÅzÉÃ ªÀiÁ»wAiÀÄ£ÀÄß ¥ÀqA É iÀÄÄªÀ C¢üPÁgÀ«gÀÄvÀÛzÉ.
4. ¤zÉðÃ±ÀPÀ¤UÉ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À AzÀ ¨ÁåAPï £À PÁAiÀÄðPÀëªÀÄvÉUÉ ¸ÀA§A¢ü¹zÀ AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ §U
ºÁUÀÆ ¸ÀªÀÄeÁ¬Ä¶UÀ¼À£ÀÄß ¥ÀqA É iÀÄÄªÀ C¢üPÁgÀ«gÀÄvÀÛzÉ.
5. AiÀiÁªÀÅzÉÃ O¥ÀZÁjPÀ ºÁUÀÆ EvÀgÀ ¸À¨sÉUÀ½UÉ AiÀiÁªÀÅzÉÃ PÁgÀt ¤ÃqÀzÉ UÉÊgÀÄºÁdgÁUÀ®Ä ¸ÁévÀAvÀæ÷å«gÀÄvÀÛzÉ.
6. AiÀiÁªÀÅzÉÃ O¥ÀZÁjPÀ ºÁUÀÆ EvÀgÀ ¸À¨sÉUÀ½UÉ ºÁdgÁzÀgÀÆ AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ §UÉÎ AiÀiÁªÀÅzÉÃ PÁgÀt
ZÀZÉðUÀ¼À°è ¨sÁUÀªÀ»¸À¢gÀ®Ä CxÀªÁ ªÀÄvÀ¤ÃqÀ¢gÀ®Ä ¸ÁévÀAvÀæ÷å«gÀÄvÀÛzÉ
7. ¸À¨sÉUÀ¼À°è ºÁUÀÆ EvÀgÀ ¸ÀªÄÀ AiÀÄUÀ¼À°è ¤zÉðÃ±ÀP£ À ÀÄ ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ ZÀlÄªÀnPÉAiÀÄ §UÉÎ «gÉÆÃzsÀªÀ£ÄÀ ß °
67
ªÀåPÀÛ¥Àr¸À®Ä ¸ÁévÀAvÀæ÷å«gÀÄvÀÛzÉ ºÁUÀÆ ªÀÄÄRåPÁAiÀÄð ¤ªÁðºÀP£ À ÀÄ CAvÀºÀ «gÉÆÃzsÀªÀ£ÄÀ ß zÁR°¸ÀPÉÆ¼ÀîvÀPÌÀ z
CzsåÀ PÀëjUÉ vÀ£ßÀ n¥ÀàtÂAiÉÆA¢UÉ ¸À°è¸v À ÀPÌÀ zÀÄÝ.
8. ¨ÁåAPï £À «gÀÄzÀÞ CxÀªÁ AiÀiÁªÀÅzÉÃ ¹§âA¢ ªÀUÀðzÀªÀgÀ §UÉÎ zÀÆgÀÄUÀ¼À£ÄÀ ß ¹éÃPÀj¸ÀÄªÀÅzÀÄ ºÁUÀÆ
ªÀÄÄAzÉAiÀiÁUÀ° CxÀªÁ ¤zÉðÃ±ÀPÀ ªÀÄAqÀ°AiÀÄ ªÀÄÄAzÉAiÀiÁUÀ° vÀ£ßÀ n¥Ààt/Â ¸À®ºÉU¼ À À ¸À»vÀªÁV ª
C¢üPÁgÀ«gÀÄvÀÛzÉ.
9. AiÀiÁªÀÅzÉÃ «µÀAiÀÄzÀ §UÉÎ CxÀªÁ ¸Á®zÀ CfðAiÀÄ §UÉÎ ¥À¸ æ ÀPÛÀ ¥Àj¹ÜwAiÀÄ §UÉÎ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ £
w½zÀÄPÉÆ¼ÀÄîªÀ C¢üPÁgÀ«gÀÄvÀÛzÉ.
10. AiÀiÁªÀÅzÉÃ ¤zÉðÃ±ÀPÀ£ÄÀ ¨ÁåAPï £À K½UÉUÁV G¥ÀAiÀÄÄPÀÛªÁUÀ§ºÀÄzÁzÀ «µÀAiÀÄUÀ¼À §UÉÎ ¹§âA¢ ªÀU
ªÀiÁUÀðzÀ±ð À £À/¸ÀÆZÀ£UÉ ¼
À À£ÀÄß ¤ÃqÀ§ºÀÄzÁVgÀÄvÀÛzÉ.
¨ÁåAQ£À ¥ÀæwAiÉÆ§â ¤zÉÃð±ÀPÀ£ÀÄ;
1. ¨ÁåAQ£À zÉÊ£ÀA¢£À PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ°è ºÀ¸ÀÛPÉëÃ¥ÀªiÀ ÁqÀvÀPÌÀ zÀÝ®è;
2. zÉÊ£ÀA¢£À ªÀåªÀºÁgÀzÀ°è ªÀÄvÀÄÛ ªÀåªÀ¸ÁÜ¥£ À ÉAiÀÄ ¥ÀæPÁAiÀÄðUÀ¼À°è vÉÆqÀV¹PÉÆ¼ÀîvÀPÌÀ zÀÝ®è;
3. ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ M§â C¢üPÁj/£ËPÀg¤ À UÉ AiÀiÁªÀÅzÉÃ jÃwAiÀÄ ¸ÀÆZÀ£É CxÀªÁ ¤zÉÃð±À£À PÉÆqÀvÀPÌÀ zÀÝ®è.
AiÀiÁªÀÅzÉÃ Cfð CxÀªÁ ¥À¸ æ ÁÛªÀªÅÀ ¨ÁQ EzÀÝ°è CzÀgÀ ¥À¸ æ ÀPÛÀ ªÀ¸ÀÄÛ¹ÜwAiÀÄ §UÉÎ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À A
ªÀiÁ»w ¥ÀqA É iÀÄ§ºÀÄzÀÄ;
4. vÀ£ßÀ ¥ÀævÀåPÀë CxÀªÁ ¥ÀgÉÆÃPÀë »vÁ¸ÀQÛ EgÀÄªÀ ¥Àæ¸ÁÛªÀªÅÀ ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ°è ZÀZÉðUÉ §AzÁUÀ ¨sÁUÀªÀ»¸ÀvPÀ ÀÌz
5. ¹§âA¢AiÀÄ ²¸ÀÄÛ, GvÀÛªÀÄ £Àqv À É ªÀÄvÀÄÛ ¤µÉ×AiÀÄ ¤ªÀðºÀuÉAiÀÄ£ÀÄß §ÄqÀªÉÄÃ®Ä ªÀiÁqÀÄªÀAvÀºÀ CxÀªÁ
¤ªÀðºÀuÉAiÀÄ°è ºÀ¸ÀÛPÉëÃ¥À ªÀiÁqÀÄªÀAvÀºÀ AiÀiÁªÀÅzÉÃ PÀÈvÀåzÀ°è vÉÆqÀUv À ÀPÌÀ zÀÝ®è;
6. DvÀ£ÄÀ gÀºÀ¸Àå ªÀÄvÀÄÛ ¸ÀvåÀ ¤µÉ×AiÀÄ ¥Àª æ ÀiÁtªÀZ£ À Àz°
À è EgÀÄªÀÅzÀjAzÀ ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ UÁæºÀP¤ À UÉ ¸ÀA
ªÀiÁ»wAiÀÄ£ÀÄß EvÀgÀjUÉ §»gÀAUÀ¥r À ¸ÀvPÀ ÀÌzÀÝ®è;
7. PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À, G¥À«¢üU¼ À À G¥À§AzsU À ½
À UÉ ºÁUÀÆ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À ¤zÉÃð±À£ÀUÀ½UÉ «
ªÀwð¸ÀvPÀ ÀÌzÀÝ®è;
CUÀvÀå PÀAqÀ°è, ¨ÁåAPï £À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ, ¤zÉðÃ±ÀPÀgÀ C¢üPÁgÀU¼ À ÀÄ ªÀÄvÀÄÛ ºÉÆuÉUÁjPÉUÀ¼À£ÀÄß
«µÀ¢ÃPÀj¸ÀÄªÀ/w½¸ÀÄªÀ ¤ÃwAiÀÄ£ÀÄß gÀÆ¦¹ C¼ÀªÀr¹PÉÆ¼Àî§ºÀÄzÁVgÀÄvÀÛzÉ.
62. DUTIES, AND FUNCTIONS OF A DIRECTOR:
(1) Every director of the bank shall :
a. be familiar with the broad objectives of the bank and the policy laid down by the Government
Reserve Bank;
b. be acquainted with the provisions of the KCS Act,1959,KCS Rules,1960,Banking Re
Act,1949(AACS) and the provisions of the bye-laws of the bank;
c. exercise such prudence,diligence and care in the performance of his duties and functions as a
as an ordinary man of business would exercise in similar circumstances;
d. act with honesty and integrity and in the best interest of the bank;
e. attend the board meetings regularly and effectively and work in a spirit of co-operation;
f. study the agenda notes and papers thoroughly before the start of the meeting, participat
discussions and express his views in clear and accurate words both in writing and verbally and
purpose elicit any information, if required, from the chief executive and the President eith
board meeting or at any other mutually convenient time;
68
g. ensure confidentiality of the board agenda papers/notes;
h. ensure that the bank’s funds are utilized in a proper and judicious manner for the benefit of the
members;
i. involve himself thoroughly in the matter of formulation of the general policy of the bank a
ensure that the performance of the bank is monitored adequately at the board level;
j. give as much of his wisdom, guidance and knowledge as possible to the management;
k. work as a team with other directors and not sponsor or be prejudiced against individual proposa
(1) Any director may require the chief executive to send the follow up reports on a defin
schedule.
Powers vested with the Director:
1. The Director is entitled for the sitting fees for attending all formal meetings of the B
Directors and Sub Committees, however, not including the General Body Meetings i
meeting conducted is on the day of the General Body Meeting
2. The Director is entitled to receive agenda papers and supporting details prior to any
meetings of the Board of Directors and Sub committees
3. The Director can call for any data to ascertain the position pertaining to functioning of the
4. The Director can call upon CEO to provide suitable clarifications on issues concern
functioning of the Bank
5. The Director has the power to abstain himself from attending any meeting of the B
Directors sub committees and such other formal meetings
6. The Director may attend any formal meeting however may choose to not to participat
discussions and choose not to cast his vote in respect of any subject.
7. The Director may record his dissent in writing on any issue and such dissent shall be reco
the CEO and report the same
8. Receive complaints against the Bank or staff members and forward the same to the Pres
place before the Board of Directors with specific recommendations
9. he may obtain the required information regarding any application or proposal pending
present status
10.A Director may guide the staff members on any subject which is likely to lead to better c
service or more efficient functioning of the bank.
The director shall not :
(i) interfere in the day-to-day functioning of the bank.
(ii) involve himself in the routine or every day business and in the management functions;
(iii) send instructions/directions to any individual officer/employee of the bank which tantam
interference in to the routine business of the Bank.
(iv) participate in the board discussions on a proposal in which he is directly or indirectly inte
(v) do anything which will interfere with and/or be subversive of maintenance of discipline, good
and integrity of the staff;
(vi) reveal any information relating to any customer of the bank to anyone else as he is unde
secrecy and fidelity;
69
(vii) act contrary to the provisions of the Act,the Rules,the bye-laws and the directives of the
Bank;
If found necessary, the Board of Directors may formulate a separate policy detailing/clarifying the
and Responsibilities of Directors.
63. ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£À PÀvÀðªÀåUÀ¼ÀÄ ªÀÄvÀÄÛ C¢üPÁgÀUÀ¼ÄÀ :

ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ PÁAiÉÄÝAiÀÄ PÀ®A 29f ¥ÀæPÁgÀ ªÀÄAqÀ°¬ÄAzÀ £ÉÃªÀÄPÀªÁzÀ ¥ÀÆuÁðªÀ¢üAiÀÄ ªÉÃvÀ£À
¨ÁåAQ£À ªÀÄÄRåPÁAiÀÄð¤ªÀðºÀuÁ¢üPÁj ªÀÄvÀÄÛ ªÀÄÄRå DqÀ½vÁ¢üPÁjAiÀiÁVgÀvPÀ ÀÌzÀÄ. ªÀÄAqÀ°AiÀÄÄ DVAzÁUÉÎ
PÀvð
À ªÀåU¼À À eÉÆvÉUÉ, DvÀ£À PÀvÀðªÀå ªÀÄvÀÄÛ C¢üPÁgÀUÀ¼ÀÄ F PÉ¼ÀV£ÀAvÉ EgÀvÀPÌÀ zÀÄÝ;
1. ¨ÁåAQ£À ¥ÀgÀªÁV ¨ÁåAQ£À C¢üPÈÀ vÀ ªÀÄvÀÄÛ ¸ÁªÀiÁ£Àå ªÀåªÀºÁgÀU¼ À À£ÄÀ ß £Àq¸ É ÀvÀPÌÀ zÀÄÝ;
2. ¨ÁåAQ£À zÉÊ£ÀA¢£À ¤ªÀðºÀuÉ ªÀÄvÀÄÛ ªÀåªÀºÁgÀzÀ ªÉÄÃ¯É ¸ÁªÀiÁ£Àå ªÉÄÃ°éZÁgÀuÉ ªÀÄvÀÄÛ ¤AiÀÄAvÀæt ºÉÆA¢gÀvPÀ ÀÌz
3. ªÉÃvÀ¤vÀ ¹§âA¢ªÀUÀðzÀªÀjUÉ PÉ®¸À ºÀAaPÉ ªÀiÁr ªÀiÁUÀðzÀ±ð À £À ¤ÃqÀÄªÀÅzÀÄ, CªÀgÀ ªÉÄÃ°éZÁgÀuÉ £Àq¹ É
¤AiÀÄAvÀætzÀ°èlÄÖPÉÆ¼ÀÄîªÀÅzÀÄ, PÀvð À ªÀå ¤®ðPÀëöåzÀ ¥ÀPæ ÀgÀtUÀ¼À°è CUÀvÀå ²¹Û£À PÀª æ ÀÄ dgÀÄV¸ÀÄªÀÅzÀÄ. ªÀÄAqÀ°AiÀÄÄ
¤ÃrzÀ ¸ÀAzÀ¨Àð s UÀ¼À£ÄÀ ß ºÉÆgÀvÀÄ¥Àr¹ G½zÀ ¥ÀPæ ÀgÀtUÀ¼À°è vÉUz É ÀÄPÉÆAqÀ ²¹Û£À PÀª æ ÀÄUÀ¼À §UÉÎ ªÀÄAqÀ°UÉ w
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4. ¨ÁåAQ£À »vÀzÈÀ ¶Ö¬ÄAzÀ CUÀvÀå©zÀÝ°è AiÀiÁªÀÅzÉÃ £ËPÀg£ À À£ÄÀ ß «ZÁgÀuÉAiÀÄ£ÀÄß PÁ¬ÄÝj¹ ¸
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40. F C¢üPÁgÀªÀ£ÄÀ ß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ªÀÄAqÀ°AiÀÄ ¥ÀÆªÁð£ÀÄªÀÄwAiÉÆA¢UÉ ±ÁSÁ ªÀåªÀ¸
ªÀ»¸À§ºÀÄzÀÄ. »ÃUÉ ªÀÄAdÆgÀÄ ªÀiÁr ¤ÃrzÀ ¸Á®UÀ¼À ¥ÀnÖAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄªÀgÀ ªÀÄÄA¢£À ¸ÀÄ sÉ iÀÄ°è ¹ÜjÃ
ªÀÄAr¸ÀvPÀ ÀÌzÀÄÝ;
41. ªÀÄAqÀ°AiÀÄ ¤ÃwUÀ£ÄÀ ¸ÁgÀ ªÀÄvÀÄÛ j¸Àªïð ¨ÁåAQ£À ¤zÉÃð±À£U À ½À UÉ M¼À¥ÀlÄÖ ¨ÁåAQ£À ºÀtªÀ£ÄÀ ß ««zsÀ ¨
oÉÃªÀtÂUÀ¼À°è, ¤¢üUÀ¼À°è, ¨ÁAqÀÄUÀ¼À°è, r¨ÉAZÀgÄÀ ªÀÄÄAvÁzÀªÅÀ UÀ¼À°è vÉÆqÀV¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ F §UÉÎ PÁAiÀÄð
¸À«ÄwUÉ ªÀÄvÀÄÛ ªÀÄAqÀ°UÉ ªÀg¢ À ªÀiÁqÀÄªÀÅzÀÄ;
42. DVAzÁUÉÎ j¸Àªïð ¨ÁåAQ¤AzÀ, ¸ÀPÁðgÀ¢AzÀ ªÀÄvÀÄÛ EvÀgÉ ¥Áæ¢üPÁgÀUÀ½AzÀ §gÀÄªÀ DzÉÃ±À, ¤zÉÃð±À£ÀUÀ¼
¸ÀÆZÀ£U É ¼À À£ÀÄß M¼ÀUÉÆAqÀ ªÀÄÄRå ¥ÀvÀæ ªÀåªÀºÁgÀUÀ¼À£ÄÀ ß ªÀÄAqÀ°AiÀÄ UÀªÀÄ£ÀPÌÉ vÀgÀÄªÀÅzÀÄ;
43. CzsåÀ PÀëgÀ eÉÆvÉ µÉÃgÀÄ ¥ÀæªiÀ Át ¥ÀvæU À ½
À UÉ gÀÄdÄ ªÀiÁqÀÄªÀÅzÀÄ;
44. EvÀgÉ ¨ÁåAPÀÄUÀ¼À°ègÀÄªÀ ¨ÁåAQ£À SÁvÉU¼ À À£ÄÀ ß EvÀgÀ C¢üPÁgÀ ¥Àqz É À C¢üPÈÀ vÀ ¸À»zÁgÀgÆ É ArUÉ ¤ªÀð»¸ÀÄªÀÅzÀÄ;
45.¨ÁåAQ£À ªÀåªÀºÁgÀzÀ ¸ÀÄUÀªÄÀ PÁAiÀÄð¤ªÀðºÀuÉUÁV ºÀt ¸ÀAzÁAiÀÄzÀ gÀ¹ÃwUÀ¼À£ÄÀ ß, NZÀgÄÀ UÀ¼À£ÄÀ ß ªÀÄv
zÁR¯ÉUÀ¼À£ÀÄß ¥ÁgÀuÉ (Passing) ªÀiÁqÀÄªÀ ªÀåªÀ¸ÉÜ ªÀiÁqÀÄªÀÅzÀÄ;
46. ¤¢üUÀ¼À£ÄÀ ß vÉÆqÀV¸ÀÄªÀ ¤ÃwAiÀÄ°è ¤UÀ¢¥Àr¹zÀAvÉ ¥ÀæPÁAiÀÄðUÀ¼À£ÄÀ ß ¤ªÀð»¸À®Ä dªÁ¨ÁÝg£ À ÁVgÀvÀPÌÀ zÀÄÝ;
47.zÉÊ£ÀA¢£À DzsÁgÀzÀ ªÉÄÃ¯É £ÀUÀzÄÀ «ÄÃ¸À®Ä C£ÀÄ¥ÁvÀ(¹.Dgï.Dgï) ªÀÄvÀÄÛ zÀª æ Á¹Û C£ÀÄ¥ÁvÀ(J¸ï.J¯ï.Dg
¥Àj²Ã°¹ «ªÀÄ²ð¸ÀÄªÀÅzÀÄ;
48. ¸ÀAzÀ¨Ás ð£ÀÄ¸ÁgÀ ¸ÀzÀ¸ÀåjUÉ CxÀªÁ ¥Àæw¤¢üU½ À UÉ UÀÄgÀÄw£À PÁqÀÄðUÀ¼À£ÄÀ ß ¤ÃqÀÄªÀÅzÀÄ;
49. ªÀÄAqÀ°AiÀÄ ¥ÀzÁªÀ¢ü ªÀÄÄPÁÛAiÀÄªÁUÀÄªÀ ¢£ÁAPÀzÀ ¥ÀÆªÀðzÀ DgÀÄ wAUÀ¼À ªÉÆzÀ®Ä ¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ D
w½¸ÀÄªÀÅzÀÄ,
50.AiÀiÁªÀÅzÉÃ PÁgÀt¢AzÀ ¤zÉÃð±ÀPÀ£À CxÀªÁ ¥ÀzÁ¢üPÁjAiÀÄ ¥Àzz À À°è DPÀ¹äPÀ SÁ° ¸ÁÜ£À GAmÁzÀ°è, Cz
¸ÀºPÀ ÁgÀ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÉÌ w½¸ÀÄªÀÅzÀÄ.
72
51. PÀgÀqÄÀ CºÀð ªÀÄvÀzÁgÀgÀ ¥ÀnÖAiÀÄ vÀAiÀiÁjPÉAiÀÄÆ ¸ÉÃjzÀAvÉ ZÀÄ£ÁªÀuÁ DAiÉÆÃUÀPÉÌ ZÀÄ£ÁªÀuÉ £Àq¸ É À®Ä CUÀvÀåª
£ÉgÀªÅÀ , ¸ÀºÁAiÀÄ ªÀÄvÀÄÛ ¸ÀºÀPÁgÀªÀ£ÄÀ ß ¤ÃqÀÄªÀÅzÀÄ. CUÀvÀåªÁzÀ ¥ÀÄ¸ÀÛPÀU¼ À À£ÄÀ ß ªÀÄvÀÄÛ zÁR¯ÉUÀ¼À£ÄÀ ß ZÀÄ£ÁªÀuÁ D
¸ÀÆZÀ£É C£ÀÄ¸ÁgÀ DAiÉÆÃUÀPÌÉ CxÀªÁ DAiÉÆÃUÀªÀÅ ¥Áæ¢üPÈÀ vÀUÉÆ½¸ÀÄªÀ C¢üPÁjUÉ MzÀV¸ÀÄªÀÅzÀÄ;
52.¨ÁåAQ£À ¤ÃwUÀ¼À, GzÉÝÃ±ÀU¼ À À ªÀÄvÀÄÛ AiÉÆÃd£ÉAiÀÄ gÀZ£ À ÉAiÀÄ°è ªÀÄAqÀ°UÉ CUÀvåÀ £ÉgÀªÅÀ ¤ÃqÀÄªÀÅzÀÄ;
53. ¨ÁåAQ£À G¥À«¢üUÀ¼À, ªÀåªÀºÁgÀ ¤AiÀÄªÀÄUÀ¼À ªÀÄvÀÄÛ ªÀÄAqÀ°AiÀÄ ¤zÉÃð±À£ÀzÀ ¥ÀPæ ÁgÀ EªÀjUÉ ¥Àz æ ÀvÛÀªÁ
ªÀ»¸À®àqÀÄªÀ ««zsÀ PÀvð À ªÀåU¼À À£ÄÀ ß ¤ªÀð»¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ C¢üPÁgÀU¼ À À£ÄÀ ß ZÀ¯Á¬Ä¸ÀÄªÀÅzÀÄ;
54.PÀ¤µÀÖ CgÀÄ wAUÀ½UÉ MªÉÄä ¹§âA¢ ¸À¨sÉAiÀÄ£ÀÄß £Àq¸ É ÀÄªÀÅzÀÄ.
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À ªÉÄÃ¯É ºÉÆj¹gÀÄªÀ ºÉÆuÉUÁjPÉUÀ¼ÀÄ ºÉZÀÄÑJAzÀÄ PÀAqÀÄ§AzÀ°è. DqÀ½vÀ ªÀÄAqÀ°AiÀÄ

PÁAiÀÄð¤ªÁðºÀP£ À À dªÁ¨ÁÝjUÀ¼À£ÄÀ ß F PÉ¼ÀPA À qÀAvÉ ¥ÀævÉåÃPÀUÆÉ ½¸À§ºÀÄzÀÄ:
1. M§â »jAiÀÄ C¢üPÁjAiÀÄ£ÀÄß O¥ÀZÁjPÀ ¸À¨sÉUÀ¼À£ÄÀ ß £Àq¸ É À®Ä ªÀÄvÀÄÛ CzÀgÀ ¸ÀA§A¢üvÀ PÁAiÀÄðUÀ¼À£ÀÄß ¤¨sÁ¬Ä
¸ÀÆPÀÛ »jAiÀÄ C¢üPÁjAiÀÄ£ÀÄß ¸ÀÄ sÉ iÀÄ PÁAiÀÄðzÀ²ð JAzÀÄ £ÉÃªÀÄPÀ ªÀiÁqÀ§ºÀÄzÀÄ.
2. N§â DqÀ½vÁvÀäPÀ C¢üPÁjAiÀÄ£ÀÄß ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP£ À À DqÀ½vÁvÀäPÀ dªÁ¨ÁÝjUÀ¼À£ÄÀ ß ¤¨
£ÉÃªÀÄPÀªÀiÁqÀ§ºÀÄzÀÄ.
DzÀgÉ ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP£ À À eÁªÁ¨ÁÝjUÀ¼À£ÀÄß ¥ÀævåÉ ÃPÀUÆ É Ã½¸À®Ä E§âjVAvÀ ºÉaÑ£À C¢üPÁjUÀ¼À£ÀÄß £ÉÃªÀÄPÀ ªÀiÁq
63. FUNCTIONS AND POWERS OF THE CHIEF EXECUTIVE :

The Chief Executive shall be a full time paid Chief Executive Officer and Chief Administrative Offic
bank appointed by the board as per Section 29G of the Act. In addition to the powers to be entruste
board from time to time the functions of the Chief Exeuctive shall include the following. He shall;
1. carry on the authorized and normal business of the Bank on behalf of the bank;
2. be responsible for the general supervision and control over the management of the day to day
business and affairs of the bank;
3. allot work among the paid staff, guide, supervise and control them and be responsible for the
supervision and control over the employees of the bank;
4. keep an employee under suspension pending enquiry when necessary and initiate n
disciplinary enquiry, impose any minor punnishement on the deliquent employees if the gravi
charges proved warrants such penalty and impose a major penalty with the approval of the
intiate necessary disciplinary action in case of dereliction of duty and report to the Board re
disciplinary action;
5. be responsible for making arrangements for the safe custody of all records and documents of t
and for the correct maintenance of accounts and various books and records of the bank;
6. be responsible for making arrangements for proper maintenance and custody of cash balance, m
and immovable properties, stock, securities, records and other properties of the bank;
7. be responsible for the correct preparation and timely submission of periodical statements and re
accordance with the provisions of the Act, the rules and the bye-laws;
8. issue notices for the meetings of the general body, the board and sub-committee meetings alo
the agenda and the notes on each subject in the agenda ;
9. remain present in all meetings of the general body, the board and the sub-committees and pro
73
the papers and information required at such meetings and sign the minutes of such meeting
with chairperson;
10.record the minutes of the meeting truly and accurately as per the deliberations in the book kep
purpose
11.The minutes of the meeting shall contain a fair and correct summary of the proceedings thereat
12.communicate the procedings of the meeting of the general body and the board to all the conc
time and affix copies of the same on the notice boards of the bank and its branches,
13.take timely action for implementation of the said resolutions and submit compliance report in
board meeting.
14.convene a meeting of the board for election of the office bearers as fixed by the co-operative
commission within fifteen days from the date of constitution or deemed constitution of the bo
a general election.
15.prepare the annual financial statements for the preceding year along with schedules, returns a
statements, obtain the approval of the board and present the same before the auditor within thi
of the closure of the co-operative year;
16.place before the board the reports of the audit under section 63 and inquiry under section
inspection under section 65 of the Act(if any) along with the actions that may be taken to re
defects or remedy the irregularities noted in the said reports;
17.send the reports of compliance on the rectification of defects and remedying of irregularities
the audit or inquiry or inspection reports after approval by the board and continue to se
rectification reports to the Registrar or the Director of co-operative audit, as the case
periodically till all such defects are rectified and such irregularities are remedied;
18.sue, be sued and represent the bank in all legal proceedings;
19.arrange for valuation of movable and immovable properties offered as securities to the loans;
20.sanction all kinds of leave to the staff and accord sanction for payment of T.A bills, medical b
other bills of the staff;
21.issue order for determination of cadre strength and pay scales, dearness allowance an
allowances admissible to the employees and implement the same as approved by the board;
22.certify the satisfactory completion of the probationary period of the employees and sanction
increments and other service benefits to all employees;
23.sanction gratuity and other terminal benefits to the employees on resignation, voluntary ret
etc., retirement with the approval of the board.
24.make payment of staff salary and also make payment of the bank’s postage, rent and electric
contingent and other expenditure subject to budget allocations;
25.issue orders for transfer of staff in case of necessity with the consent of the President;
26.arrange for job rotation and training of the staff;
27.strive for the effective administration in the interest of the bank in addition to being vigilan
day–to-day administration;
28.inspect/authorize inspection of each of the offices and branches of the bank once in SIX M
and submit report to the board periodically;
74
29.verify cash, securities and valuables atleast once in a month;
30.receive applications for sanction of loans and advances, scruitinise them and submit them to th
or sub-committee for decision together with his specific recommendation and detailed report;
31.receive applications for membership, additional shares and transfer of shares and place them be
board with his report and recommendations;
32.receive applications for nominal membership, admit eligible applicants as nominal members a
such applications before the board for approval/ratification;
33.allow every member to have access to the books, information and accounts of the bank kept in
transaction of its business with such member;
34.provide proper information which is not confidential in nature, to the customers of the bank.
35.receive deposits in accordance with the directives of Reserve Bank of India and decisions of th
and to arrange for issue of receipts, pass books and statement of accounts;
36.certify the cash balance by signing the cash book and arrange to produce the same before any
authorized to verify cash;
37.sanction loans on fixed or other deposits of the bank and gold ornaments upto the limit presc
the board.
38.sanction loans against other securities as approved by the board, excluding immovable and m
properties.
39.The chief executive may also delegate this power to the branch managers, in respect of branc
prior approval of the board. He shall however place a statement of such loans sanctioned, be
next board meeting;
40.invest bank's funds in various securities, deposits, funds, bonds, debentures etc. in accordance
decisions taken in the Investments subcommittee while ensuring to follow strictly the polic
board and in conformity with the directives of the Reserve Bank and report about such investm
the board;
41.place before the board, important correspondence including orders, directives and inst
received from the Reserve Bank, Govt. and other authorities from time to time;
42.sign the shares certificates along with the Chairperson / President;
43.operate the bank accounts maintained with other banks under joint signature with other au
signatories;
44.arrange for passing of receipts, vouchers and other documents required for smooth conduc
banking business;
45.be responsible for performing functions prescribed in the investment policy;
46.review CRR and SLR on day to day basis;
47.issue identity cards to the members or representatives as the case may be;
48.inform co-operative election commission six months earlier to the date of expiry of the term o
the board,
49.inform about the occurrence of any casual vacancy on any ground in the office of a direct
office bearer immediately on such occurrence,
50.provide necessary assistance, aid and co-operation including preparation of a draft electoral ro
75
co-operative election commission for conduct of elections and provide such records, bo
documents either to the commission or to any other authority as may be authorized by the com
as per the instructions of the election commission;
51.assist the board in the formulation of policies, objectives and planning of the bank;
52.perform various duties assigned and exercise powers as may be imparted or conferred on him
the bye-laws, subsidiary rules, business rules and the directions of the board.
53.Conduct staff meetings at least once in six months
As the number of responsibilities of the Chief Executive is large, the Board of Directors may sepa
functions of the Chief Executive as under:
1. Appointment/Designating a senior officer as a secretary to look after the functions of th
executive related to conduct of Board of Directors Meeting, Sub Committee Meetings and t
the related follow up actions
2. Appointment of a Administrative Manager to look after the administrative functions of th
Executive under the delegated authority
However, such delegation of functions shall not exceed two functionaries
64. £ÀqÀªÀ½ ¥ÀÅ¸ÀÛPÀ
ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸ÀzÀ¸ÀågÀ ¸À¨sÉ ªÀÄvÀÄÛ EvÀgÀ ¸ÁªÀiÁ£Àå ¸ÀzÀ¸ÀågÀ ¸À¨sÉUÀ¼ÀÄ, DqÀ½vÀ ªÀÄAqÀ° ¸À¨sÉUÀ¼ÀÄ ªÀÄvÀÄÛ G¥À¸À«ÄwUÀ
£ÀqÀªÀ½UÀ¼À£ÀÄß zÁR°¸ÀÄªÀ GzÉÝÃ±ÀPÁVAiÉÄÃ ¥ÀævÉåÃPÀ ¥ÀÅ¸ÀÛPÀUÀ¼À£ÀÄß ¨ÁåAPï ºÉÆA¢gÀvÀPÀÌzÀÄÝ. ¸À¨sÉUÀ¼À £ÀqÀªÀ½UÀ¼À£ÀÄß C¼
±Á¬ÄAiÀÄ£ÀÄß §¼À¹ £ÀqÀªÀ½ ¥ÀÅ¸ÀÛPÀzÀ°è ªÀÄÄRåPÁAiÀÄð ¤ªÁðºÀPÀ CxÀªÁ DvÀ¤AzÀ DzÉÃ²¸À¯ÁzÀ ¹§âA¢ªÀUÀðzÀªÀgÀÄ GvÀÛªÀÄ ºÀ¸
§gÉAiÀÄvÀPÀÌzÀÄÝ. ¥ÀAiÀiÁðAiÀÄªÁV £ÀqÀªÀ½UÀ¼À£ÀÄß UÀtPÀAiÀÄAvÀæzÀ°è £ÀªÀÄÆ¢¹ CzÀgÀ ªÀÄÄzÀætªÀ£ÀÄß bÁ¥Á PÁUÀzÀªÀ£ÀÄß ªÀÄÄzÀæt
¸ÁªÀÄxÀðå«gÀÄªÀ ªÀÄÄzÀæPÀªÀ£ÀÄß §¼À¹ ªÀÄÄ¢æ¸ÀvÀPÀÌzÀÄÝ. ªÀÄÄ¢ævÀ £ÀqÀªÀ½ ¥ÀæwUÀ¼À ªÉÄÃ¯É CzsÀåPÀëgÀÄ ºÁUÀÆ ªÀÄÄRåPÁAiÀÄð¤ªÁðº
ªÀiÁqÀvÀPÀÌzÀÄÝ ºÁUÀÆ F ªÀÄÄ¢ævÀºÁ¼ÉUÀ¼À£ÀÄß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£ÀÄ ¸ÀÄgÀQëvÀªÁVqÀvÀPÀÌzÀÄÝ. ¸À» ªÀiÁrzÀ ªÀÄÄ¢ævÀ
GvÀÛªÀÄUÀÄtªÀÄlÖzÀ ¸ÁÌ÷å£Àgï ªÀÄÆ®PÀ bÁAiÀiÁavÀæzÀ gÀÆ¥ÀzÀ UÀtPÀPÀqÀvÀªÀ£ÁßV G½¸À¨ÉÃPÀÄ. F PÀqÀvÀUÀ½UÉ ¥Àj«rAiÀÄ£ÀÄß
ºÉZÀÄÑªÀj UÀtPÀ ¥ÀæwUÀ¼À£ÀÄß ªÀiÁr¹ J®è ¤zÉðÃ±ÀPÀjUÉ CAvÀeÁð®zÀ ªÀÄÆ®PÀ ¸ÀÄ®¨sÀªÁV ®¨sÀåªÁUÀÄªÀAvÉ ªÀåªÀ¸ÉÜ ªÀiÁqÀ¨ÉÃPÀÄ.
ªÁ¶ðPÀ ¸ÁªÀiÁ£Àå ¸À¨sÉ ºÁUÀÆ ¥Àæw G¥À¸À«Äw ¸À¨sÉUÀ½UÀÆ ¥ÀævÉåÃPÀ ¥ÀÅ¸ÀÛPÀ/PÀqÀvÀUÀ¼À£ÀÄß ºÉÆA¢gÀvÀPÀÌzÀÄÝ.
£ÀqÀªÀ½AiÀÄ ¥ÀÅ¸ÀÛPÀzÀ ¥ÀæwAiÉÆAzÀÄ ¥ÀÅlPÀÆÌ C£ÀÄPÀæªÀÄªÁV ¥ÀÅl ¸ÀASÉå EgÀ¨ÉÃPÀÄ. ¥ÀæwAiÉÆAzÀÄ ¥ÀÅlPÀÆÌ (vÀÄA©zÀ £ÀAvÀgÀ ) ¸À¨sÉ
ºÁUÀÆ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ/¸ÀAAiÉÆÃdPÀgÀÄ ¸À» ªÀiÁqÀvÀPÀÌzÀÄÝ.
¥Àæw DqÀ½vÀªÀÄAqÀ° ¥ÁægÀA¨sÀUÉÆAqÁUÀ®Æ ¥Àæw ¸À«ÄwUÉ ¥ÀævÉåÃPÀ ¥ÀÅ¸ÀÛPÀUÀ¼À£ÀÄß ¤UÀ¢¸ÀvÀPÀÌzÀÄÝ. ¥ÀÅ¸ÀÛPÀzÀ ¥ÁægÀA¨sÀzÀ°è CA
ºÁdjzÀÝ J®è ¤zÉðÃ±ÀPÀgÀÄ ¸À» ªÀiÁqÀvÀPÀÌzÀÄÝ. ¥ÀÅ¸ÀÛPÀzÀ J¯Áè ¥ÀÅlUÀ¼ÀÆ vÀÄA©zÀ £ÀAvÀgÀ ¸ÀA§A¢üvÀ ¸À¨sÉAiÀÄ°è ºÁdjzÀÝ ¸ÀzÀ¸ÀågÉ
ªÀiÁqÀvÀPÀÌzÀÄÝ.J®è ¥ÀÅlUÀ¼ÀÆ vÀÄA©zÀ ¥ÀÅ¸ÀÛPÀUÀ¼À£ÀÄß ¸ÀÄgÀQëvÀªÁVqÀÄªÀ dªÁ¨ÁÝj ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£À ªÉÄÃ°gÀÄvÀÛzÉ.
76
64. Minutes Book:
The Bank shall maintain a Minutes Book for recording the proceedings of Annual General Body M
and other General Body Meetings, Board of Directors Meeting, Meetings of Sub committees.
The minutes of the meetings shall be written in a neat hand writing using an indelaible ink either by th
Executive himself or by a staff member authorized by the Chief Executive.
Alternately, the minutes of the meetings shall be typed accurately in the document and a print out of t
is obtained using a printer used for printing e-stamp papers.. The pages of the minutes book so printe
be signed on each page by the President and the Chief Executive and preserved as a hard copy under
custody of the Chief Executive. The signed hard copies shall be scanned and saved as jpeg or tiff files
on each page and jpeg files to be maintained , index the same year wise preservation period and bak u
in a year including cloud bak up. Google drive, drop box, etc with access to all directors
Separate books may be maintained for recording the proceedings of the General Body Meetings
recording the proceedings of the Board of Directors meetings and for recording the proceedings of
committees.
Each page of the Minutes Book shall be consecutively numbered.
Each page of the said book shall be initialed or signed and the last page of the record of the procee
each meeting in the minutes book shall be dated and signed by the Chief Executive and the chairp
the meeting.
Seperate Minutes Book for each type of Meetings shall be commenced for each new term of the B
Directors. The first page of the new Minutes Book shall be signed by the Directors present on
Meeting of the Board of Directors of the new term.
On using up all the pages of a minutes book, the last page of the completed book shall be dated and
signed by all the Board of Directors present in that meeting. The first page of the continuation Book
dated and signed by all the Directors present in that meeting.
On completion of a term, on the last meeting of the Board of Directors, the last completed pag
Minutes book shall be dated and signed by all the Directors present in that meeting.
The closed Minutes Books shall be under the safe custody of the Chief Executive..
77
65. ¹§âA¢
1. ªÀiÁ£ÀªÀ ¸ÀA¥À£ÀÆä® C©üªÀÈ¢Þ ¤Ãw : ¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ CxÀªÁ j
CxÀªÁ gÁdå ¸ÀPÁðgÀªÀÅ ºÉÆgÀr¸ÀÄªÀ ªÀiÁUÀð¸ÀÆaUÀ¼À£ÀÄß ªÀÄvÀÄÛ vÀ£Àß ªÀåªÀºÁgÀzÀ CUÀvÀåvÉUÀ¼À£ÀÄß UÀªÀÄ£ÀzÀ°èl
£ÉÃgÀ £ÉÃªÀÄPÁw, C£ÀÄPÀA¥ÀzÀ DzsÁgÀzÀ ªÉÄÃ¯É £ÉÃªÀÄPÁw, vÀgÀ¨ÉÃw, ¸ÀÜ¼À ¤AiÀÄÄQÛ, ¹§âA¢ ªÀÈAzÀ ªÀÄvÀÄÛ §®,
ªÀiÁ¥À£À, ªÉÃvÀ£À ±ÉæÃtÂ, ºÉZÀÑ¼À, vÀÄnÖ ¨sÀvÉå, EvÀgÉ ¨sÀvÉå, ¥ÉÇæÃvÁìºÀ zsÀ£À, ªÀUÁðªÀuÉ, ¥ÀzÉÆÃ£Àßw, ªÀÄÄA§rÛ, ¸À®
¤ªÀÈwÛ ªÀAiÀÄ¸ÀÄì, ¤µÉÃzsÀUÀ¼ÀÄ EvÁå¢, EªÀÅUÀ¼À£ÀÄß M¼ÀUÉÆAqÀ MAzÀÄ ¥ÁgÀzÀ±ÀðPÀ ªÀiÁ£ÀªÀ ¸ÀA¥À£ÀÆä® C©üªÀÈ¢Þ ¤
gÀÆ¦¸ÀvÀPÀÌzÀÄÝªÀÄvÀÄÛ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ C£ÀÄªÉÆÃzÀ£É ¥ÀqÉAiÀÄvÀPÀÌzÀÄÝ; F ¸ÀA§AzsÀzÀ°è »ÃUÉ gÀÆ¦¹zÀ
¸ÀA¥À£ÀÆä® C©üªÀÈ¢Þ ¤ÃwAiÀÄ ªÁå¦ÛAiÀÄrAiÀÄ°è AiÀiÁªÀÅzÉÃ «µÀAiÀÄ §A¢®è¢zÀÝ°è, PÀ£ÁðlPÀ gÁdå ¹§âA
¤AiÀÄªÀÄUÀ¼ÀrAiÀÄ°è CAvÀºÀ «µÀAiÀÄUÀ¼À §UÉÎ EgÀ§ºÀÄzÁzÀ G¯ÉèÃRUÀ¼À£ÀÄß C£ÀÄ¸Àj¸À§ºÀÄzÀÄ.
¥ÀgÀAvÀÄ, ¨ÁåAQ£À £ËPÀgÀgÀ ¹§âA¢ ªÉZÀÑªÀÅ ªÀµÁðAvÀåzÀ zÀÄrAiÀÄÄªÀ §AqÀªÁ¼ÀPÉÌ ºÉÆ°¹zÀ°è ±ÉÃPÀqÁ
ºÉaÑgÀvÀPÀÌzÀÝ®è.
2. £ËPÀgÀgÀ «zÁåºÀðvÉUÀ¼ÀÄ:-
¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ¼À°è£À G¥À§AzsÀUÀ¼À£ÀÄß UÀªÀÄ£ÀzÀ°èlÄÖPÉÆAqÀÄ ¨ÁåAQ
ºÀÄzÉÝUÀ½UÉ ¸ÀÆPÀÛ «zÁåºÀðvÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ ªÀÈwÛ¥ÀgÀ CUÀvÀåvÉUÀ¼À£ÀÄß ¤zsÀðj¸ÀvÀPÀÌzÀÄÝ. ¸ÁªÀiÁ£ÀåªÁV, ¨ÁåAPï F
PÀ¤µÀÖ «zÁåºÀðvÉUÀ¼À£ÀÄß ¤UÀ¢¸À§ºÀÄzÀÄ:
1. ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀPÀ
¥ÀzÀ«/¸ÁßvÀPÉÆÃvÀÛgÀ ¥ÀzÀ« ºÁUÀÆ ¨ÁåAQAUï ªÀÄvÀÄÛ «wÛÃAiÀÄ PÉëÃvÀæUÀ¼À°è r¥ÉÇèÃªÀÄ CxÀªÁ ¹JLL© ¥Àj
vÉÃUÀðqÉ ¥ÀæªÀiÁt¥ÀvÀæ.
2. C¢üPÁjUÀ¼ÀÄ : ¥ÀzÀ«/¸ÁßvÀPÉÆÃvÀÛgÀ ¥ÀzÀ« ºÁUÀÆ ¨ÁåAQAUï ªÀÄvÀÄÛ «wÛÃAiÀÄ PÉëÃvÀæUÀ¼À°è r¥ÉÇèÃªÀ
¹JLL© ¥ÀjÃPÉëUÀ¼À°è vÉÃUÀðqÉ ¥ÀæªÀiÁt¥vÀæ
3. ¸ÀºÁAiÀÄPÀgÀÄ : ¥ÀzÀ«
4. UÀÆæ¥ï r £ËPÀgÀgÀÄ: ¦AiÀÄÄ¹
65. CADRE STRENGTH AND PAY SCALES OF THE EMPLOYEES :-
1. Human Resource Development Policy :
The board shall, from time to time formulate a transparent human resource development policy
includes recruitment, training, posting, transfers, cadre strength, scales of pay, increments, allo
promotions, incentives and perquisites, retirement age, restrictions and prohibitions etc; of the empl
the Bank, keeping in view its business requirements and the guidelines that may be issued by the
Bank, the Registrar or the State Government in this behalf and obtain the approval of the general b
such policy. If any subject in this regard is not covered under the said HRD policy, the Bank will
KSCSR and be guided accordingly
Provided also that, the ratio of establishment expenditure shall not exceed two percent of the workin
as at the end of the preceeding year.
2. Qualifications for the employees –
78
The board shall fix appropriate educational qualifications and professional requirements for various
the bank keeping in view the provisions of the Act and the Rules. In general the Bank shall
educational qualifications as under :
1. Chief Executive
Minimum qualifications Graduation with additional qualifications related to Banking business
CAIIB,Dip in finance and Banking
2. Officers
Minimum qualifications Graduation with additional qualifications related to Banking business
CAIIB,Dip in finance and Banking
3. Assistants
Minimum qualifications Graduation
4. Substaff/multitasking staff
Minimum Qualifications PUC
66. gÀeÉ ¸ËPÀAiÀÄðUÀ¼ÀÄ, UÁæZÀÄ¬Än ªÀÄvÀÄÛ EvÀgÀ «µÀAiÀÄUÀ¼ÀÄ :
1. gÀeÉ
¹§âA¢ ªÀUÀðzÀªÀjUÉ C£ÀéAiÀÄªÁUÀÄªÀAvÉ ¨ÁåAPï gÀÆ¦¸ÀÄªÀ ¸ÉÃªÁ ¤AiÀÄªÀÄUÀ¼ÀrAiÀÄ°è ««zsÀ gÀeÉUÀ¼À ¸Ë®¨sÀåUÀ¼À£ÀÄß ¥ÀqÉA
¨ÁåAPï ¥ÀævÉåÃPÀ ¸ÉÃªÁ ¤AiÀÄªÀÄUÀ¼À£ÀÄß gÀÆ¦¹®è¢zÀÝ°è PÀ£ÁðlPÀ gÁdå ¹§âA¢ ¸ÉÃªÁ ¤AiÀÄªÀÄUÀ¼À£ÀÄß ¥Á°¸À§ºÀÄzÀÄ.
2. UÁæöåZÀÄ¬Än :
(i) ¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ, ¤ªÀÈvÀÛ£ÁzÀ CxÀªÁ gÁfÃ£ÁªÉÄPÉÆlÖ £ËPÀgÀ¤UÉ CxÀªÁ CªÀ£À ªÀÄgÀtzÀ £ÀAvÀgÀ CªÀ£À £Á
CxÀªÁ «¢ü§zÀÞ ªÁgÀ¸ÀÄzÁgÀjUÉ UÁæöåZÀÄ¬Än ¥ÁªÀw PÁAiÉÄÝ 1972 ªÀÄvÀÄÛ CzÀgÀr gÀavÀªÁzÀ ¤AiÀÄªÀÄUÀ¼À ¥ÀæPÁgÀ ºÁUÀ
gÀÆ¦¸ÀÄªÀ ¤AiÀÄªÀÄUÀ¼À µÀgÀvÀÄÛUÀ½UÉÆ¼À¥ÀlÄÖ UÁæöåZÀÄ¬ÄnAiÀÄ£ÀÄß ªÀÄAdÆgÀÄ ªÀiÁqÀvÀPÀÌzÀÄÝ.
3. ¹§âA¢ ªÀAwPÉ ¨sÀ«µÀå ¤¢ü ªÀÄvÀÄÛ ¨ÉÆÃ£À¸ï :
(J) £ËPÀgÀgÀ ¨sÀ«µÀå¤¢ü ªÀÄvÀÄÛ EvÀgÉ G¥À§AzÀUÀ¼À PÁAiÉÄÝ 1952gÀ C£ÀéAiÀÄ ¨ÁåAPÀÄ vÀ£Àß ¹§âA¢ G¥ÀAiÉÆÃUÀPÁÌV £ËPÀgÀgÀ ªÀAwPÉ
¸ÁÜ¦¸ÀvÀPÀÌzÀÄÝ;
(©) G¥ÀRAqÀ(J)£À°è CrAiÀÄ°è ¥ÁægÀA©ü¸À¯ÁzÀ £ËPÀgÀgÀ ¨sÀ«µÀå ¤¢üAiÀÄ£ÀÄß;
(i) ¨ÁåAQ£À ªÀåªÀºÁgÀzÀ°è G¥ÀAiÉÆÃV¸ÀvÀPÀÌzÀÝ®è.
(ii) ¥ÁæzÉÃ²PÀ ¨sÀ«µÀå ¤¢ü DAiÀÄÄPÀÛgÀ°è ¥ÀævÉåÃPÀªÁV vÉÆqÀV¸ÀvÀPÀÌzÀÄÝ.
(iii) ¨ÁåAQ£À D¹ÛAiÀÄ ¨sÁUÀªÁV ¥ÀjUÀtÂ¸ÀvÀPÀÌzÀÝ®è;
(¹) ¨ÉÆÃ£À¸ï ¥ÁªÀw PÁAiÉÄÝ 1965gÀ G¥À§AzsÀUÀ¼À£ÀéAiÀÄ ¨ÁåAQ£À ¹§âA¢ ªÀUÀðPÉÌ ªÀÄAqÀ°AiÀÄÄ ¨ÉÆÃ£À¸Àì£ÀÄß PÉÆqÀvÀPÀÌzÀÄÝ. ¤
¨ÉÆÃ£À¹ì£À ¥Àj«ÄwAiÀÄ£ÀÄß ¨ÉÆÃ£À¸ï PÁAiÉÄÝ 1965gÀ°è £ÀªÀÄÆ¢¹gÀÄªÀ jÃwAiÀÄ°è ¤zsÀðj¸ÀvÀPÀÌzÀÄÝ. ¨ÉÆÃ£À¹ìUÉ ºÀQÌ®èzÀ ¨ÁåAQ£À
¸ÁªÀiÁ£Àå ¤PÁAiÀÄzÀ C£ÀÄªÉÆÃzÀ£É ªÉÄÃgÉUÉ ¨ÉÆÃ£À¹ìUÉ §zÀ¯ÁV ¤ªÀé¼À ¯Á¨sÀzÀ°è C£ÀÄUÀæºÀ PÉÆqÀÄUÉAiÀÄ£ÀÄß(JPïì-UÉæÃ¶AiÀiÁ) PÉÆ
DzÁUÀÆå C£ÀÄUÀæºÀ PÉÆqÀÄUÉAiÀÄ UÀjµÀ× ¸ÀAzÁAiÀÄªÀÅ ¨ÉÆÃ£À¸ï PÁAiÉÄÝAiÀÄ°è £ÀªÀÄÆ¢¹gÀÄªÀ UÀjµÀ× ªÉÆ§®UÀ£ÀÄß «ÄÃgÀvÀPÀÌzÀÝ®è.
4.¸ÉÃªÁ ¥ÀÄ¸ÀÛPÀ : ¨ÁåAQ£À ªÀÄÄRåPÁAiÀÄð¤ªÁºÀPÀ£ÀÄ ¥Àæw £ËPÀgÀ£À ¸ÉÃªÉUÀ¼À zÁR¯ÉAiÀÄ£ÀÄß ¤ªÀð»¸ÀvÀPÀÌzÀÄÝ. PÁ®PÁ®PÉÌ º
¸ÀA§¼ÀzÀ°è DUÀÄªÀ §zÀ¯ÁªÀuÉUÀ¼À£ÀÄß, ªÀUÁðªÀuÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ ¸ÉÃªÉUÉ ¸ÀA§AzsÀ¥ÀlÖ EvÀgÀ J®è «µÀAiÀÄUÀ¼À£ÀÄß ¸ÉÃªÁ
zÁR°¸ÀvÀPÀÌzÀÄÝ. ¸ÀzÀj ¥ÀÄ¸ÀÛPÀzÀ°è£À £ÀªÀÄÆzÀÄUÀ¼À£ÀÄß, ªÀÄÄRåPÁAiÀÄð¤ªÁºÀPÀ£À ¸ÀA§AzsÀzÀ°è CzsÀåPÀë£ÀÄ ªÀÄvÀÄÛ EvÀ
¸ÀA§AzsÀzÀ°è ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£ÀÄ, zsÀÈrüÃPÀj¸ÀvÀPÀÌzÀÄÝ.
5. gÁdQÃAiÀÄzÀ°è CxÀªÁ ZÀÄ£ÁªÀuÉUÀ¼À°è ¨sÁUÀªÀ»¸ÀÄªÀÅzÀÄ:- ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ £ËPÀgÀ£ÀÄ-
79
(J) AiÀiÁªÀÅzÉÃ gÁdQÃAiÀÄ ¥ÀPÀëzÀ ¸ÀzÀ¸Àå£ÁUÀvÀPÀÌzÀÝ®è CxÀªÁ AiÀiÁªÀÅzÉÃ gÁdQÃAiÀÄ ¥ÀPÀëzÉÆqÀ£É CxÀªÁ gÁdQÃAiÀÄzÀ°è ¨sÁ
AiÀiÁªÀÅzÉÃ ¸ÀA¸ÉÜAiÉÆqÀ£É C£ÀåxÁ eÉÆvÉUÀÆqÀvÀPÀÌzÀÝ®è. AiÀiÁªÀÅzÉÃ gÁdQÃAiÀÄ ZÀ¼ÀÄªÀ½ CxÀªÁ ZÀlÄªÀnPÉAiÀÄ°è ¨sÁUÀªÀ»¸ÀvÀPÀÌzÀÝ
AiÀiÁªÀÅzÉÃ gÁdQÃAiÀÄ ZÀ¼ÀÄªÀ½ CxÀªÁ ZÀlÄªÀnPÉUÉ ZÀAzÁ ¤ÃqÀvÀPÀÌzÀÝ®è CxÀªÁ EvÀgÀ AiÀiÁªÀÅzÉÃ jÃwAiÀÄ°è ¸ÀºÁAiÀÄ ªÀiÁqÀvÀPÀÌz
(©) ¸ÀA¸Àvï ¸ÀzÀ¸Àå£ÁV CxÀªÁ gÁdå «zsÁ£ÀªÀÄAqÀ®zÀ ¸ÀzÀ¸Àå£ÁV CxÀªÁ AiÀiÁªÀÅzÉÃ ¸ÀÜ½ÃAiÀÄ ¥Áæ¢üPÁgÀzÀ ¸ÀzÀ¸Àå£ÁV CxÀªÁ
¥ÀAZÁAiÀÄvï gÁeï ¸ÀA¸ÉÜAiÀÄ ¸ÀzÀ¸Àå£ÁV CxÀªÁ F ¨ÁåAQ£À, AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁj ¨ÁåAPï CxÀªÁ ¸ÀºÀPÁj ¥ÀwÛ£À ¸ÀºÀPÁj ¸ÀAWÀ
ªÀÄAqÀ°AiÀÄ ¸ÀzÀ¸Àå£ÁV ZÀÄ£Á¬ÄvÀ£ÁUÀ®Ä ZÀÄ£ÁªÀuÉAiÀÄ°è ¸Àá¢üð¸ÀvÀPÀÌzÀÝ®è ªÀÄvÀÄÛ ZÀÄ£Á¬ÄvÀ£ÁUÀvÀPÀÌzÀÝ®è.
(¹) ¸ÀA¸ÀvÀÄÛ CxÀªÁ gÁdå «zsÁ£ÀªÀÄAqÀ® CxÀªÁ AiÀiÁªÀÅzÉÃ ¸ÀÜ½ÃAiÀÄ ¥Áæ¢üPÁgÀzÀ CxÀªÁ AiÀiÁªÀÅzÉÃ ¥ÀAZÁAiÀÄvï gÁeï ¸ÀA¸ÉÜA
¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ°AiÀÄ ZÀÄ£ÁªÀuÉAiÀÄ ¥ÀæQæAiÉÄAiÀÄ°è ¨sÁUÀªÀ»¸ÀvÀPÀÌzÀÝ®è, CxÀªÁ ªÀÄvÀUÀ¼À£ÀÄß AiÀiÁa¸ÀvÀPÀÌzÀÝ®è CxÀªÁ
AiÀiÁªÀÅzÉÃ gÀÆ¥ÀzÀ°è ±Àæ«Ä¸ÀvÀPÀÌzÀÝ®è CxÀªÁ ¥Àæ¨sÁªÀ ©ÃgÀvÀPÀÌzÀÝ®è.
¥ÀgÀAvÀÄ,
CAxÀ ZÀÄ£ÁªÀuÉAiÀÄ°è ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ £ËPÀgÀ£ÀÄ ªÀÄvÀ ¤ÃqÀ®Ä ºÀPÀÄÌ¼ÀîªÀ£ÁVzÀÝgÉ vÀ£Àß ºÀPÀÌ£ÀÄß ZÀ¯Á¬Ä¸À§ºÀÄzÀÄ.
ºÁ° eÁjAiÀÄ°ègÀÄªÀ AiÀiÁªÀÅzÉÃ PÁ£ÀÆ¤£Àr ªÀ»¸À¯ÁzÀ ZÀÄ£ÁªÀuÉUÉ ¸ÀA§AzsÀ¥ÀlÖ PÀvÀÈðªÀåzÀ AiÀÄÄPÀÛ ¤ªÀðºÀuÉAiÀÄ°è DvÀ£ÀÄ CxÀ
¸ÀºÁAiÀÄ ªÀiÁrzÁÝ£ÉA§ MAzÉÃ MAzÀÄ PÁgÀtzÀ ªÉÄ¯É ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ £ËPÀgÀ£ÀÄ F G¥À«¢üAiÀÄ G¥À§AzsÀUÀ¼À£ÀÄß G®èAX
¥ÀjUÀtÂ¸ÀvÀPÀÌzÀÝ®è.
«ªÀgÀuÉ: ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ £ËPÀgÀ£ÀÄ vÀ£Àß zÉÃºÀzÀ ªÉÄÃ¯É, ªÁºÀ£ÀzÀ°è CxÀªÁ ªÁ¸À¸ÀÜ¼ÀzÀ°è AiÀiÁªÀÅzÉÃ ZÀÄ£ÁªÀuÁ
¥ÀæzÀ²ð¹zÀ°è, F G¥À«¢üAiÀÄ CxÀðªÁå¦ÛAiÀÄ°è ZÀÄ£ÁªÀuÉUÉ ¸ÀA§A¢ü¹zÀAvÉ DvÀ£ÀÄ vÀ£Àß ¥Àæ¨sÁªÀ ©ÃjzÀAvÉ ¥ÀjUÀtÂ¸À¯ÁUÀvÀPÀÌzÀÄ
6.£ÁåAiÀÄªÁ¢AiÀiÁV ºÁdgÁUÀÄªÀ ªÉÄ¯É ¤§ðAzsÀ : ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ £ËPÀgÀ£ÀÄ, ¨ÁåAQ£À ¥ÀgÀªÁV CxÀªÁ ¨ÁåAPÀÄ ¸ÀzÀ¸Àå£ÁV
AiÀiÁªÀÅzÉÃ ¸ÀºÀPÁgÀ ¸ÀAWÀzÀ ¥ÀgÀªÁV DvÀ£À C¢üPÀÈvÀ PÀvÀðªÀå ¤ªÀðºÀuÉAiÀÄ°è£À ºÉÆgÀvÁV, £ÁåAiÀÄªÁ¢AiÀiÁV ºÁdgÁUÀvÀPÀÌzÀÝ®è.
7.¨ÁåAPï G®èAWÀ£ÉUÀ¼ÀÄ, zÀAqÀ£É, «ZÁgÀuÉ, C¦Ã®ÄUÀ¼À §UÉÎ ¤ÃwAiÀÄ£ÀÄß gÀÆ¦¸ÀvÀPÀÌzÀÄÝ ºÁUÀÆ CzÀ£ÀÄß ¥Á°¸ÀvÀPÀÌzÀÄÝ
66. Leave, gratuity and others
1. Leave
The employees can avail their leave in accordance with the service Rules of the Bank or in the ab
the same, in accordance with the KSCCSR.
2. Gratuity - (i) The board of the bank shall grant gratuities on resignation or retirement to an emp
the Bank or on his death to his nominees or legal heirs or representatives in accordance with the pay
Gratuity Act and the Rules pertaining to payment of Gratuity framed by the Bank.
3. Staff Contributory Provident Fund And Bonus -(a) The bank shall establish a contributory provident f
the benefit of its employees, as provided under Employees Provident Fund and Miscellaneous Provis
1952.
(b) The contributory staff provident fund established under sub clause (a) above shall not;
(i) be utilized in the business of the Bank.
(ii) It shall be invested with Regional Provident Fund Commissioner separately and
(iii) form a part of the assets of the bank
c) Payment of Bonus
(c) The board shall pay to the employees of the bank as per the provisions of Payment of Bonus A
The quantum of bonus to be paid shall be determined in the manner setforth in the Payment of Bo
1956. Ex-gratia in lieu of bonus may be paid out of the net profit to the employees of the bank who
entitled for bonus with the permission of the general body. However, the maximum payment of e
80
shall not exceed the maximum amount of Bonus payable under Payment of Bonus Act 1965.
4. Service Register - The chief excutive of the bank shall cause maintenance of a record of the
of every employee. All changes affecting the rank and emoluments, transfers and other allied
matters shall be recorded from time to time in this service register. The entries in the said regis
be attested by the chief excutive of the bank.
5. Taking Part in Politics and Election - No employee of the bank –
(a) shall be a member of or be otherwise associated with any political party or any organizatio
takes part in politics nor shall take part in, subscribe in aid of, or assist in any other manner any
movement or activity;
(b) shall contest in an election to get elected as a member of parliament, a member of state legis
member of any local authority or a member of any panchayath raj institution or a director of this ban
other cooperative Bank or a financial institution including a credit cooperative society.
(c) shall canvas or otherwise work for or use his influence in connection with or take part in an ele
parliament, any legislature or local authority or panchayath raj institution or in any election to the b
the office-bearers of the bank:
(d) Provided that –
i. an employee of the bank qualified to vote at such election may exercise his right to vote;
ii. an employee of the bank shall not be deemed to have contravened the provisions of this sub-c
reason only that he / she assists in the conduct of an election in the due performance of a duty imp
him/her by or under any law for the time being in force.
Explanation – The display by an employee of the bank on his person, vehicle or residence of any e
symbol shall amount to using his influence in connection with an election within the meaning of t
rule.
6. Bar on appearing as legal practitioner: No employee of the bank shall appear as a legal prac
otherwise than in the discharge of his official duties on behalf of the bank or on behalf of any o
operative society of which the bank is a member.
7. The Bank shall formulate a Punishment, enquiry and appeals policy and implement the same
67. ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À ¤AiÀÄªÀÄUÀ¼À gÀZÀ£É : ¨sÁgÀwÃAiÀÄ jdªïð ¨ÁåAPÀÄ, jf¸ÁÖçgÀ£ÀÄ ºÁUÀÆ ºÀtPÁ¸ÀÄ £ÉgÀªÀÅ ¸ÀA¸ÉÜUÀ¼ÀÄ
ºÉÆgÀr¸ÀÄªÀ ¤zÉÃð±À£ÀUÀ½UÀ£ÀÄUÀÄtªÁV, ªÀÄAqÀ°AiÀÄÄ ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À£ÀÄß ªÀÄAdÆgÀÄ ªÀiÁqÀ®Ä C£ÀÄ¸Àj¸À¨ÉÃPÁ
¤ªÀð»¸À¨ÉÃPÁzÀ ªÀiÁfð£ïUÀ¼ÀÄ, ¸Á® wÃgÀÄªÀ½ PÁ¯ÁªÀ¢ü, ¨sÀzÀævÉ gÀ»vÀ ¸Á®UÀ¼À£ÀÄß ¤ÃqÀÄªÀ ¥ÀæªÀiÁt, ««zsÀ GzÉÝÃ±ÀUÀ½UÉ
¤ÃqÀ®Ä ¹éÃPÀj¸À§ºÀÄzÁzÀ ¨sÀzÀævÉAiÀÄ ¸ÀégÀÆ¥ÀUÀ¼À §UÉÎ µÀgÀvÀÄÛ ªÀÄvÀÄÛ ¤§AzsÀ£ÉUÀ¼ÀÄ EªÉÃ ªÀÄÄAvÁzÀªÀÅUÀ½UÉ ¸ÀA§A¢ü¹zÀ ¤§A
gÀÆ¦¸ÀvÀPÀÌzÀÄÝ.
67. RULES FOR SANCTION OF LOANS AND ADVANCES : The board shall frame rules gover
procedure for sanction of loans, margins to be maintained, the period of repayment, proportion of un
loans to be granted, terms and conditions and the nature of securities to be accepted for granting lo
advances for different purposes in conformity with the directives / instructions of the Reserve Bank
the Registrar and the higher financing agencies if any.
68. ¸ÀzÀ¸åÉ ÃvÀgÀjUÉ PÉÆqÀÄªÀ ¸Á® : ¸Àz¸ À ÉåÃvÀgj
À UÉ CªÀgÄÀ ºÉÆA¢gÀÄªÀ ¨ÁåAQ£À ¸ÁªÀ¢ü oÉÃªÀuÁwUÀ¼À DzsÁgÀzÀ ªÉÄÃ¯É ¸
ªÀÄÄAUÀqUÀ ¼À À£ÄÀ ß PÉÆqÀ§ºÀÄzÀÄ.
81
68. LOANS TO NON MEMBERS : Loans and advances may be granted to non-members aga
security of their term deposits in the bank.
69. ¸ÀzÀ¸Àå£À ¸Á®zÀ ¥Àj«Äw :
(1) ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ PÁ®PÁ®PÉÌ ¤ÃqÀÄªÀ ¤zÉÃð±À£U À ½
À UÉÆ¼À¥l À ÄÖ ¥Àw æ ¸Àz¸ À Àå¤UÉ J¯Áè «zsÀªÁzÀ ¸
M¼ÀUÉÆAqÀAvÉ ¤ÃqÀ§ºÀÄzÁzÀ UÀjµÀÖ«ÄwAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄªÀgÀÄ ¤UÀ¢ ¥Àr¸ÀvPÀ ÀÌzÀÄÝ.
(2) M§â ¸ÀzÀ¸Àå£ÀÄ E£ÉÆß§â ¸Àz¸ À Àå¤UÉ ªÀiÁvÀæ eÁ«ÄÃ£ÀÄzÁgÀ£ÁUÀ§ºÀÄzÀÄ.
69. BORROWING LIMIT OF MEMBERS :
(1) Subject to the directives of the Reserve Bank of India that may be issued from time to time, th
shall prescribe the maximum limit on all types of loans and advances to be given to a member. All lo
advances shall be governed by the guidelines issued by Reserve Bank form time to time.
(2) One member can stand surety to another member only.
70. vÀ¥ÀÄà CxÀªÁ ¸ÀÄ¼ÀÄî ªÀiÁ»wAiÀÄ£ÀÄß MzÀV¸ÀÄ«PÉ : CfðzÁgÀ£ÄÀ CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀ£ÄÀ ªÁ¸ÀÛ«PÀ «µÀAiÀÄ
CfðAiÀÄ°è AiÀiÁªÀÅzÁzÀgÀÆ vÀ¥ÄÀ à CxÀªÁ ¸ÀÄ¼ÀÄî ªÀiÁ»wAiÀÄ£ÀÄß MzÀV¹zÀ°è ªÀÄAdÆgÁzÀ ¸Á®ªÀ£ÄÀ ß ¸Àz¸ À Àå¤Az
¥ÀqAÉ iÀÄ®Ä ªÀÄAqÀ°AiÀÄÄ ¥ÀÆtð C¢üPÁgÀªÀ£ÄÀ ß ºÉÆA¢gÀÄvÀÛzÉ ªÀÄvÀÄÛ CAvÀºÀ ¸ÀÄ¼ÀÄî / vÀ¥ÄÀ à ªÀiÁ»wAiÀÄ£ÀÄß Mz
Qæ«Ä£À¯ï ºÁUÀÆ ¹«¯ï zÁªÉUÀ¼À£ÄÀ ß ºÀÆqÀv À ÀPÌÀ zÀÄÝ ºÁUÀÆ CAvÀºÀ ¸Àz¸À Àå£À ¸Àz¸ À ÀåvÀéªÀ£ÀÄß CAvÀåUÉÆ½¸À¯ÁUÀÄªÀÅzÀÄ
70. FURNISHING OF WRONG/FALSE PARTICULARS: The board has full powers to recall
sanctioned to a member in case he or his surety has furnished wrong / false information to the ban
loan application. Such member shall be prosecuted in the jurisdictional court under civil and crimi
and his membership with the Bank shall also be terminated.
71. ¸Á®zÀ G¥ÀAiÉÆÃUÀ :
(1) ¸Àz¸ À Àå£ÀÄ ªÀÄAdÆgÁzÀ ¸Á®zÀ ªÉÆ§®UÀ£ÄÀ ß ªÀÄAdÆgÁzÀ GzÉÝÃ±ÀPÁÌVAiÉÄÃ §¼À¹PÉÆ¼ÀîvÀPÌÀ zÀÄÝ, MAzÀÄ ªÉÃ¼É ªÀÄ
GzÉÝÃ±ÀªÀ£ÄÀ ß ©lÄÖ ¨ÉÃgÉ GzÉÝÃ±ÀPÁÌV G¥ÀAiÉÆÃV¹PÉÆArzÀÄÝ ¥ÀvÛÉAiÀiÁzÀ° À è, CAvÀºÀ ¸Á®ªÀ£ÄÀ ß vÀºÉ¯ïªÀg« É UÀÆ §
ªÁ¥À¸ÀÄì ¥ÀqÉAiÀÄ®Ä ªÀÄAqÀ°AiÀÄÄ ¥ÀÆtð C¢üPÁgÀªÀ£ÄÀ ß ºÉÆA¢gÀÄªÀÅzÀ®èzÉ Qæ«Ä£À¯ï ºÁUÀÆ ¹«¯ï zÁªÉUÀ¼À£ÄÀ ß ºÀÆq
ªÀÄgÀÄ¥ÁªÀw
(2) ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqU À ¼
À À£ÄÀ ß ªÀÄAdÆgÀÄ ªÀiÁqÀÄªÁUÀ EzÀÝ µÀgÀvÀÄÛ ªÀÄvÀÄÛ ¤§AzsÀ£ÉUÀ¼À ¥ÀPæ ÁgÀ ¸Á®zÀ §
PÀAvÀÄUÀ¼À£ÀÄß ¸ÀPÁ®zÀ°è ¨ÁåAQUÉ ªÀÄgÀÄ¥ÁªÀw¸ÀÄªÀÅzÀÄ ¥Àæw ¸Á®UÁgÀ£À PÀvð À ªÀåªÁVgÀÄvÀÛzÉ.
(3) ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À£ÄÀ ß ¸Á®UÁg¤AzÀ ªÀ¸ÀÆ° ªÀiÁrzÀ £ÀAvÀgÀ F PÉ¼ÀPÀAqÀAvÉ DzÀåvÉ ªÉÄÃgÉU
ªÀiÁrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ :
1. ¨ÁåAPï «¢ü¹zÀ ±ÀÄ®ÌUÀ¼ÀÄ
2. zÀAqÀzÀ ±ÀÄ®ÌUÀ¼ÀÄ
3. zÀAqÀzÀ §rØ
4. C£ÀéAiÀÄUÉÆ¼ÀÄîªÀ §rØ
5. ¸Á®zÀ ¸ÀÄ¹Û PÀAvÀÄUÀ¼À ¨ÁQ
71. UTILIZATION :
(1) A member shall utilize the amount of loan sanctioned for the purpose for which it was sanctioned
the sanctioned amount is utilized for a purpose different from the purpose for which it was sanctio
board shall have powers, to recall such loans together with interest upto date and also initiate pros
under civil and criminal laws.
82
REPAYMENMT OF LOAN
(2) It shall be the duty of every borrower to repay promptly the instalment and interest on the lo
advances as per the terms and conditions, prevailing at the time of sanction.
(3) The amounts recovered from the borrowers shall be accounted as under, in the same order of prior
1. Charges incurred by the Bank
2. Penal charges applicable
3. Penal interest charged
4. Interest applicable
5. Repayment towards principal
72. ¸Á®UÁgÀgÀ ªÀÄgÀt CxÀªÁ ¢ªÁ½vÀ£À :
¸Á®UÁgÀ£ÀÄ ªÀÄÈvÀ£ÁzÀgÉ CxÀªÁ ¢ªÁ½AiÀiÁzÀgÉ CxÀªÁ PÁ£ÀÆ£ÀÄ jÃvÁå ÇÀºÁAiÀÄPÀ£ÉAzÀÄ WÉÆÃ¶¸À®àlÖgÉ CAvÀºÀ
¸Á®UÁgÀ¤UÉ eÁ«ÄÃ£ÀÄzÁgÀgÁVzÀÝªg À ÄÀ vÀªÀÄUÉ F «µÀAiÀÄ w½zÀ ºÀ¢£ÉÊzÀÄ ¢ªÀ¸ÀUÀ¼ÉÆ¼ÀUÁV ªÀÄAqÀ°UÉ °TvÀªÁV w½
ªÀÄAqÀ°AiÀÄÄ F ¥ÀæPÀgÀtzÀ°è ¸Á® ªÀ¸ÀÆ¯ÁwUÁV CUÀvåÀ ªÁzÀ PÀæªÄÀ ªÀ£ÀÄß PÀÆqÀ¯ÉÃ PÉÊUÉÆ¼ÀîvÀPÌÀ zÀÄÝ.
72. DEATH OR INSOLVENCY OF A BORROWER :
If a borrower dies or becomes insolvent or is declared legally disabled, the surety shall inform the
writing, within 15 days from the date of his knowledge about it and the board shall take immediate
recover the loan.
73. eÁ«ÄÃ£ÀÄzÁgÀ£À ªÀÄgÀt CxÀªÁ ¢ªÁ½vÀ£À : eÁ«ÄÃ£ÀÄzÁgÀ£ÄÀ ªÀÄgÀt ºÉÆA¢zÀgÉ CxÀªÁ ¢ªÁ½AiÀiÁzÀgÉ CxÀªÁ
jÃvÁå ÇÀºÁAiÀÄPÀ£ÁzÀgÉ, ¸Á®UÁgÀ£ÀÄ vÀ£U À É «μAiÀÄ w½zÀ ºÀ¢£ÉÊzÀÄ (15) ¢ªÀ¸ÀzÆ É ¼ÀUÁV ªÀÄAqÀ°UÉ °TvÀªÁV w
ªÀÄÄRå PÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ¸Á®UÁgÀ¤UÉ 15 ¢ªÀ¸ÀUÀ¼ÉÆ¼ÀUÁV ¨ÉÃgÉ AiÉÆÃUÀå eÁ«ÄÃ£ÀÄzÁgÀgÀ£ÄÀ ß MzÀV¸ÀÄªÀAvÉ P
¸Á®UÁgÀ£ÀÄ ¨ÉÃgÉ eÁ«ÄÃ£ÀÄzÁgÀgÀ£ÄÀ ß MzÀV¸À®Ä «¥s® À £ÁzÀgÉ ¸Á®zÀ M¥ÀàAzÀ ¥ÀvÀæz° À è K£ÉÃ ºÉÃ½zÀÝgÀÆ ¸ÀºÀ CAvÀºÀ
vÀºÀ¯ïªÀgUÉ Æ
À §rØ ¸ÀªÉÄÃvÀ PÀÆqÀ¯ÉÃ ªÀ¸ÀÆ° ªÀiÁrPÉÆ¼ÀÄîªÀ C¢üPÁgÀªÀ£ÄÀ ß ¨ÁåAPÀÄ ºÉÆA¢gÀvÀPÌÀ zÀÄÝ.
73. DEATH OR INSOLVENCY OF A SURETY : If a surety dies or becomes insolvent or is
disabled, the borrower shall inform, the bank about it in writing within 15 days from the dat
knowledge about it. The chief executive officer shall inform the borrower, to furnish to the bank,
eligible surety within 15 days. If he fails to do so, notwithstanding anything contained in the loan ag
the bank shall have full powers to recall and recover the loan immediately with uptodate interest there
74. §rØAiÀÄ zÀgÀ :
J¯Áè §UÉAiÀÄ ¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqU À ¼À À ªÉÄÃ¯É ¨ÁåAPÀÄ «¢ü¸ÀÄªÀ §rØAiÀÄ zÀgÀªÅÀ , ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£Àªg À ÄÀ
ºÉÆgÀr¸ÀÄªÀ ¤zÉÃð±À£U À À½UÉ M¼À¥l À ÄÖ ºÁUÀÆ F GzÉÝÃ±ÀPÁÌVAiÉÄÃ ¨ÁåAPï gÀÆ¦¸ÀÄªÀ ¸Á®UÀ¼À §rØ ¤ÃwAiÀÄ£ÀÄß ¥Á°¸
74. RATE OF INTEREST :
The rate of interest charged on various types of loans and advances shall be in accordance with the d
issued by the Reserve Bank of India, from time to time and according to Interest Rate Policy of t
formulated by the Bank for this purpose.
75. ªÀiË®åªÀiÁ¥À£À ªÀÄvÀÄÛ ¨É¯É ¤tðAiÀÄ : ¨ÁåAQUÉ FqÀÄ ªÀiÁqÀ°gÀÄªÀ CªÀÄÆ®å ªÀ¸ÀÄÛU¼ À À, AiÀÄAvÀæU¼ À À ZÀgÀ ªÀÄvÀÄÛ ¹Ü
ªÁå¥ÁgÀzÀ ¸ÀgÀPÀÄ ªÉÆzÀ¯ÁzÀªÀÅUÀ¼À ¨É¯É PÀlÖ®Ä / ªÀiË®å ¤tð¬Ä¸À®Ä ªÀÄAqÀ°AiÀÄÄ ¨É¯É ¤uÁðAiÀÄPÀgÀ£ÄÀ ß / ªÀiË®åª
£ÉÃ«Ä¸À§ºÀÄzÀÄ. ¤uÁðAiÀÄPÀgÀ / ªÀiË®åªÀiÁ¥ÀPÀgÀ RZÀÄðUÀ¼À£ßÉ ®èªÀ£ÄÀ ß ¸Á® ¥ÀqA É iÀÄÄªÀ ¸Àz¸ À Àå£ÉÃ ¨sjÀ ¸ÀvPÀ ÀÌzÀÄÝ.
ªÀiË®åªÀiÁ¥ÀPÀgÀÄ / ¤uÁðAiÀÄPÀgÀÄ ªÀÄAqÀ°AiÀÄ ¸ÀªiÀ ÁzsÁ£ÀPÌÉ CUÀvÀå (£ÀUÀzÄÀ ºÀtzÀ) ¨sz À vÀæ ÉAiÀÄ£ÀÄß MzÀV¸ÀvPÀ ÀÌz
83
ªÀÄAqÀ°AiÀÄÄ F GzÉÝÃ±ÀPÁÌV ¤UÀ¢¥Àr¹gÀÄªÀ SÁvÀj ¥ÀvÀæUÀ¼À£ÀÄß (UÁågÀAn ¨ÁAqï) §gÉzÀÄPÉÆqÀvÀPÀÌzÀÄÝ.
75. VALUATION AND APPRAISAL : The board may appoint approved appraisers / valuators for
the valuables, machinery, movable and immovable assets, merchandise, etc., that may be pl
hypothecated to the bank. All appraisers / valuators' charges, if any, shall be borne by the borrow
approved appraisers / valuators shall be required, to furnish security to the satisfaction of the bo
execute a guarantee bond, as may be prescribed by the board, for this purpose.
76. «ÄªÉÄ : ¸Á® ¥ÀqA É iÀÄÄªÀªÀgÀÄ ¨ÁåAQUÉ CqÀªÅÀ ªÀiÁrzÀ ªÀ¸ÀÄÛUÀ¼ÀÄ ªÀÄvÀÄÛ FqÀÄ ªÀiÁrzÀ D¹Û, PÀlÖqÀUÀ¼ÀÄ, A
ªÀÄÄAvÁzÀªÅÀ UÀ½UÉ ¨ÉAQ, PÀ¼ÀªÅÀ , zÉÆA© ªÀÄvÀÄÛ EvÀgÃÉ £ÁUÀjÃPÀ UÀ®¨sÉ ªÉÆzÀ¯ÁzÀ PÁgÀtUÀ½AzÀ ¸ÀA¨s« À ¸À§ºÀÄzÁzÀ
vÀgº
À ÀzÀ £ÀµÖÀzÀ ¥ÀjºÁgÀPÁÌV vÀªÄÀ ä ¸ÀéAvÀ Rað£À°è ªÉÄÃ®ÌAqÀ ¨Á§ÄÛUÀ½UÉ ¨ÁåAQ£À ºÉ¸Àj£À°è «ªÉÄ ªÀiÁr¸ÀvPÀ ÀÌz
¸ÀA§AzsÀ¥ÀlÖ «ªÀiÁ ¥Á°¹UÀ¼À£ÄÀ ß ¨ÁåAQUÉ ¥ÀgÀ¨sÁgÉ ªÀiÁr¸ÀvPÀ ÀÌzÀÄÝ. CAvÀºÀ «ªÀiÁ ¥Á°¹AiÀÄ
ªÀÄgÀÄ¥ÁªÀwAiÀiÁUÀÄªÀªÀgÉ«UÀÆ ZÁ°ÛAiÀÄ°ègÀvPÀ ÀÌzÀÄÝ. ¸Á®UÁgÀ£ÀÄ /gÀÄ «ªÉÄUÉ ¸ÀA§AzsÀ¥ÀlÖAvÉ «ªÉÄAiÀÄ PÀAvÀÄUÀ¼À£ÄÀ ß
¸ÀAzÀ¨Àð
s UÀ¼À°è, ¨ÁåAPÀÄ D «ªÀiÁPÀAvÀÄUÀ¼À£ÄÀ ß ¥ÁªÀw¹, ¸Á®UÁgÀ£À SÁvÉUÉ RZÁðVgÀÄªÀAvÉ vÉÆÃj¸ÀÄª
ºÉÆA¢gÀÄvÀPÌÀ zÀÄÝ.
76. INSURANCE : All goods, property, buildings, machinery, etc., that may be pledged, hypot
mortgaged to the bank shall be insured by the borrower at his cost against fire, theft, burglarly, riot, a
commotion, etc., in favour of the bank and the relative insurance policy shall be assigned to the ban
insurance policy shall remain in force, till the loan is repaid. In case the borrower fails to pay the prem
renewal of the policy, the bank shall have the right to pay the premium and debit it to the loan accou
borrower.
77. ¥Áæ¸ÀAVPÀ ªÉZÀÑUÀ¼ÀÄ : ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀAvÉ £ÉÆÃAzÀtÂ, ªÀiË®åªÀiÁ¥À£À, «ªÉÄ, GUÁætzÀ ¨ÁrUÉ, ¸ÉÃ
ªÉÆzÀ¯ÁzÀªÀÅUÀ½UÉ vÀU® À §ºÀÄzÁzÀ ¥Áæ¸ÀAVPÀ ªÉZª ÀÑ À£ÄÀ ß ¸Á® ¥ÀqAÉ iÀÄÄªÀªg
À ÃÉ ¨sj
À ¸ÀvPÀ ÀÌzÀÄÝ. EAvÀºÀ ªÉZU ÀÑ À¼À£ÄÀ ß ¸
SÁvÉUÉ RZÀÄð ºÁPÀ§ºÀÄzÀÄ ªÀÄvÀÄÛ CxÀªÁ DVAzÁUÉÎ ªÀ¸ÀÆ° ªÀiÁrPÉÆ¼Àî§ºÀÄzÀÄ.
77. INCIDENTAL EXPENESES : It shall be obligatory on the part of the borrower to bear in
expenses of registration, valuation, insurance, godown rent, service charges etc., as may be prescribe
board and such expenses may be debited to the account of the borrower and/or collected from time to
78. ¤zÉÃð±ÀPÀgÀÄ ¸Á® ¥ÀqÉAiÀÄÄªÀ CºÀðvÉ : 1960 ¸ÀºPÀ ÁgÀ ¤AiÀÄªÀÄUÀ¼À 27£ÉÃ ¤AiÀÄªÀÄzÀ°è ºÁUÀÆ ¨ÁåAQAUï ¤AiÀÄAv
1949gÀ PÀ®A 20gÀ°è ¤UÀ¢¥Àr¹zÀ «ÄwUÉÆ¼À¥ÀlÄÖ ªÀÄvÀÄÛ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPÀÄ DVAzÁUÉÎ º
¤zÉÃð±À£ÀUÀ½UÉÆ¼À¥ÀlÄÖ ªÀÄAqÀ°AiÀÄ ¸Àz¸ À ÀågÀÆ ¸ÀºÀ EvÀgÃÉ ¸Àz¸ À ÀågÀAvÉ J¯Áè §UÉAiÀÄ ¸Á® ¸Ë®¨sÀåU¼ À À£ÄÀ ß
CºÀðjgÀÄvÁÛgÉ.
78. ELIGIBILITY OF DIRECTORS TO BORROW: The members of the board shall enjoy t
privileges in respect of different kinds of loans as that of other members, subject to the limit laid dow
27 of the KCS Rules and Provisions of Section 20 of the Banking Regulation Act 1949 (AACS) an
the directives issued , by the Reserve Bank of India from time to time.
79. ºÉÆÃPÀÄ ¨ÁQ ¸Á®UÀ¼À£ÀÄß ªÀÄ£Áß ªÀiÁqÀÄªÀÅzÀÄ :
(1) §rØ ªÀÄvÀÄÛ ªÀ¸ÀÆ¯Áw ªÉZU ÀÑ ¼
À À£ÄÀ ß M¼ÀUÉÆAqÀ ªÀ¸ÀÆ¯ÁUÀzÀ ¨ÁQ JAzÀÄ UÀÄgÀÄw¸À®àlÄÖ ¥Àª æ ÀiÁtÂÃPÀj¸À®àlÖ J¯Áè ¸
ºÁUÀÆ ªÀ¸ÀÆ¯Áw ¸ÁzsÀå«®è JAzÀÄ ¥Àª æ ÀiÁtÂÃPÀj¸À®àlÖ EvÀgÃÉ J¯Áè ¨ÁQUÀ¼À£ÄÀ ß, ºÉÆÃPÀÄ¨ÁQ ¸Á®zÀ ¤¢ü¬ÄA
ªÀiÁqÀ§ºÀÄzÀÄ. CAvÀºÀ ¥ÀæªÀiÁtÂÃPÀgÀtªÀ£ÄÀ ß ªÀ¸ÀÆ¯Áw C¢üPÁjAiÀÄªÀgÀÄ ªÀiÁqÀvÀPÌÀ zÀÄÝ.
84
(2) (J) ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è ºÁdjzÀÝ ªÀÄvÀzÁ£ÀzÀ ºÀPÄÀ Ì¼Àî ¸Àz¸ À ÀågÀ ªÀÄÆgÀ£ÃÉ JgÀqÀµÀÄÖ §ºÀÄªÀÄvÀ¢AzÀ CAV
¤tðAiÀÄzÀ ªÀÄÆ®PÀ ªÀÄAdÆgÁw ¥ÀqA É iÀÄzÉÃ CAvÀºÀ ºÉÆÃPÀÄ¨ÁQ ¸Á® CxÀªÁ EvÀgÀ ¨ÁQUÀ¼À£ÄÀ ß ªÀÄ£Áß ªÀiÁqÀvPÀ ÀÌzÀÝ
(©) ºÁUÉ ªÀÄAdÆgÁw ¤ÃqÀÄªÁUÀ ¸ÁªÀiÁ£Àå ¤PÁAiÀÄªÀÅ ªÀeÁ ªÀiÁqÀÄªÀ ºÉÆÃPÀÄ¨ÁQ ¸Á®zÀ ªÉÆ§®UÀ£ÀÄß ¨sÁUÀ±
¥ÀÆtð ¥ÀÄ£À¨sÀðwð/ ¥ÀÄ£À: ¸ÁÜ¥£ À ÉUÉÆ½¸ÀÄªÀ §UÉÎ µÀgÀvÄÀ ÛUÀ¼À£ÄÀ ß «¢ü¸À§ºÀÄzÀÄ.
(3) ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À ¥ÀÆªÀð¨sÁ« °TvÀ ªÀÄAdÆgÁw ¥ÀqA É iÀÄzÉÃ ¨ÁåAPÀÄ ¨sÁUÀ±À: CxÀªÁ ¥ÀÆtð
PÉ¼ÀPAÀ qÀ ¸Á®UÀ¼À£ÄÀ ß ªÀÄ£Áß ªÀiÁqÀvPÀ ÀÌzÀÝ®è.
1. AiÀiÁªÀÅzÉÃ ¤zÉÃð±ÀP¤ À AzÀ CxÀªÁ ªÀiÁf ¤zÉÃð±ÀP¤ À AzÀ §gÀvÀPÌÀ ¸Á®UÀ¼ÀÄ CxÀªÁ;
2. ¨ÁåAQ£À ¤zÉÃð±ÀPg À ÄÀ AiÀiÁªÀÅzÉÃ ¥Á®ÄzÁjPÉ ¸ÀA¸ÉÜ CxÀªÁ £ÉÆÃAzÁ¬ÄvÀ ¸ÀAWÀzÀ°è ¥Á®ÄUÁgÀgÁV, ª
¥Àw
æ ¤¢üAiÀiÁV, ¤zÉÃð±ÀPg À ÁV CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀgÁV D¸ÀQÛ ºÉÆA¢zÀÝ°è CAvÀºÀ AiÀiÁªÀÅzÉÃ ¸ÀA¸
£ÉÆÃAzÁ¬ÄvÀ ¸ÀAWÀU½ À AzÀ §gÀvPÀ ÀÌ ¸Á®UÀ¼ÀÄ; CxÀªÁ
3. ¨ÁåAQ£À ¤zÉÃð±ÀPg À ÄÀ AiÀiÁªÀÅzÉÃ M§â ¸Àz¸ À Àå£À ¥Á®ÄzÁgÀ CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀ£ÁVzÀÝgÉ CAvÀºÀ ¸Àz¸ À Àå¤Az
¸Á®UÀ¼ÀÄ
(4) ªÉÄÃ°£À ¤AiÀÄªÀÄUÀ¼À£ÀÄß ¥Á°¸ÀzÃÉ ªÀiÁqÀ®àlÖ AiÀiÁªÀÅzÉÃ ¸Á®zÀ ªÀÄ£Áß PÁ£ÀÆ£ÀÄ ¨Á»gÀ ºÁUÀÆ eÁjUÉ §gÀvPÀ ÀÌz
79. WRITING OFF BAD DEBTS :
(1) All loans including interest thereon and recovery charges in respect thereof which are found irreco
and certified as bad debt and all other dues certified as not recoverable by the Recovery Officer,
written off from the bad and doubtful debt reserve fund.
(2) (a) No such bad debt shall be written off, without the sanction of the general body though a
resolution passed by two thirds majority of the members with right to vote present and voting at a
general metting;
(b) while giving such sanction, the general body may impose conditions, as to the recoupment/restor
a part or whole of the amount written off, against the bad debts;
(3) The bank shall not except with a prior approval of the Reserve Bank of India, remit in whole o
any amount due to it by:-
o any of its past or present directors;
o any firm or registered society in which any of its directors is interested as director,
managing agent or guarantor; or
o any member, if any of the directors, is his partner or guarantor.
(4) Any remission made in contravention of this provision shall be void and shall not be implemented
80. ¸ÀÄ¹Û ¸Á®zÀ ªÉÄÃ¯É PÁ£ÀÆ£ÀÄ§zÀÞ PÀæªÀÄ : ¸Á®zÀ PÀgÁgÀÄ ¥Àvæz À ° À è£À µÀgv
À ÀÄÛUÀ¼À ¥ÀPæ ÁgÀ ¸Á®UÁgÀ£ÀÄ/gÀÄ
eÁ«ÄÃ£ÀÄzÁgÀ£ÄÀ /gÀÄ vÁ£ÀÄ ¨ÁåAQUÉ ¸À°è¸¨ À ÃÉ PÁzÀ ¨ÁQAiÀÄ£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀ®Ä vÀ¦àz° À è ªÀÄAqÀ°AiÀÄÄ PÁ£ÀÆ£
ªÀ¸ÀÆ¯Áw PÀª æ ÀÄªÀ£ÄÀ ß vÉUÉzÀÄPÉÆ¼ÀîvÀPÌÀ zÀÄÝ. ¸ÀÄ¹ÛAiÀiÁzÀ vÁjÃ¤AzÀ MAzÀÄ ªÀµð À zÀ CªÀ¢üAiÉÆ¼ÀUÉ ¨ÁåAQ£ÀªÀgÀÄ PÁ£ÀÆ£ÀÄ
ªÀ¸ÀÆ¯Áw PÀæªÄÀ ªÀ£ÀÄß vÉUÉzÄÀ PÉÆ¼ÀîvÀPÀÌzÀÄÝ.
80. LEGAL ACTION ON OVERDUES: The board shall take legal steps to recover the balance du
borrower and/or his sureties, if he/they fail to pay it according to the terms of the loan agreement. T
shall initiate legal steps to recover the dues, within one year months from the date of the loan be
overdue.
81. SÁvÀjUÀ¼ÀÄ ªÀÄvÀÄÛ EvÀgÉ £ÀµÀÖ ¥ÀjºÁgÀUÀ¼ÄÀ : ªÀÄAqÀ°AiÀÄÄ C£ÀÄªÉÆÃ¢¹zÀ SÁvÉzÁgÀjUÉ ¨ÁåAQ£À°è CªÀgÄÀ «ÄÃ¸À°
85
DzsÁgÀzÀ ªÉÄÃ¯É ¨ÁåAPÀÄ SÁvÉzÁgÀgÀ ¥ÀgÀªÁV SÁvÀjUÀ¼À£ÄÀ ß ªÀÄvÀÄÛ EvÀgÉ £ÀµÖÀ ¥ÀjºÁgÀUÀ¼À£ÄÀ ß PÉÆqÀ§ºÀÄzÀÄ ªÀÄvÀÄÛ ¨
j¸Àªïð ¨ÁåAPÀÄ PÁ®PÁ®PÉÌ ºÉÆgÀr¸ÀÄªÀ DzÉÃ±ÀU½ À UÉ M¼À¥l À ÄÖ SÁvÀj CxÀªÁ £ÀµÖÀ ¥ÀjºÁgÀzÀ°è £ÀªÄÀ Æ¢¹gÀÄ
PÉÆ£ÉUÆ
É ¼ÀÄîªÀªÀgÉUÀÆ ºÁUÉ «ÄÃ¸À°vÀÛ oÉÃªÀtÂU¼
À À£ÄÀ ß ªÁ¥À¸ÀÄì ¥ÀqAÉ iÀÄ®Ä oÉÃªÀtÂzÁgÀ¤UÉ CªÀPÁ±À PÉÆqÀvÀPÌÀ zÀÝ®è.
81. GUARANTEES AND OTHER INDEMNITIES: Guarantee and other indemnities and the like
given to account holders approved by the board against their earmarked deposits with the bank a
deposits shall not be allowed to be withdrawn, till the guarantee and/ or indemnity given by the ban
to operate, subject to the directives that may be issued by the Reserve Bank of India, from time to tim
82. ¸ÀÄ¹ÛzÁgÀgÀ C£ÀºÀðvÉ :
(1) AiÀiÁªÀ ¸ÀzÀ¸Àå£À «gÀÄzÀÞ ¥ÀæªÄÀ ÄR ¨ÁQzÁgÀ£A É zÀÄ CªÁqïð / rQæ ¤ÃqÀ¯ÁUÀÄvÀÛzÉÆÃ CAvÀºÀ ¸ÀzÀ¸Àå£ÀÄ ¨ÁåAQUÉ ¸À°
wÃ¦ðlÖ ªÉÆ§®UÀ£ÄÀ ß ¸ÀA¥ÀÆtðªÁV ªÀÄgÀÄ¥ÁªÀw ªÀiÁrzÀ vÁjÃT¤AzÀ PÀ¤µÀÖ LzÀÄ ªÀµð À UÀ¼À ªÀgÉUÉ ªÀÄvÀÄÛ AiÀiÁª
ªÀÄvÉÆÛ§â ¨ÁQzÁgÀ¤UÉ eÁ«ÄÃ£ÀÄzÁgÀ£ÉAzÀÄ CªÁqïð / rQæ ¤ÃqÀ¯ÁUÀÄvÀÛzÉÆÃ CAvÀºÀ ¸ÀzÀ¸Àå£ÀÄ ¨ÁåAQUÉ ¸À°è¸¨ À ÃÉ PÁz
ªÉÆ§®UÀ£ÄÀ ß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀÄªÀ vÁjÃT£Àªg À U É É ¸Á® ¥ÀqA É iÀÄ®Ä ªÀÄvÀÄÛ eÁ«ÄÃ£ÀÄzÁgÀ£ÁUÀ®Ä ºÀPÀÄÌ EgÀÄªÀÅ¢®è.
(2) ¸Á®zÀ ªÉÆvÀÛªÀ£ÄÀ ß ¥ÀÆtð ªÀÄgÀÄ¥ÁªÀw ªÀiÁrzÀ vÁjÃT£À LzÀÄ ªÀµÀðUÀ¼À £ÀAvÀgÀ ªÀÄÄRå ¨ÁQzÁgÀ£ÀÄ ¸Á®P
ºÁQPÉÆAqÀ°è ªÀÄAqÀ°AiÀÄÄ CAvÀºÀ ¸Àz¸ À Àå¤UÉ ¥ÀÄ£À: ¸Á® ¥ÀqA É iÀÄÄªÀ ºÀPÌÀ £ÀÄß PÉÆqÀ§ºÀÄzÀÄ. DzÀgÉ eÁ«ÄÃ
¥ÀÆtðªÁV ¸Á® wÃj¹zÀ £ÀAvÀgÀ J¯Áè ºÀPÄÀ ÌU¼ À À£ÀÄß ¥ÀqÉAiÀÄ®Ä CºÀðgÁUÀÄvÁÛg.É
82. DISQUALIFICATION OF DEFAULTERS :
(1) A member against whom an award is passed as the principal borrower shall not have at least for
of FIVE YEARS from the date of full satisfaction of awarded dues, to the bank and a member agains
an award is passed as surety to another borrower, shall not have the right to get a loan and stand as s
least upto the date of full satisfaction of the awarded dues, to the bank.
(2) After a period of FIVE YEARS from the date of full satisfaction of the awarded dues to the b
board may, on an application made by the principal borrower, restore the right to borrow again. In
sureties, however, after full satisfaction of the awarded dues to the bank, the sureties concerned
entitled automatically, to exercise all the rights.
83. ¸Á® wÃgÀÄªÀ½ CªÀ¢üAiÀÄ «¸ÀÛgÀuÉ :
(1) ¸Á®UÁgÀgÄÀ CªÀ¢üUÉ ªÀÄÄAZÉAiÉÄÃ ªÀÄAqÀ°UÉ ªÀÄ£À«AiÀÄ£ÀÄß °TvÀªÁV ¸À°è¹zÀgÉ ªÀÄAqÀ°AiÀÄÄ ¸Á®zÀ ªÀÄÆ® μg
§zÀ¯Á¬Ä¸À§ºÀÄzÀÄ.
83 EXTENSION OF DATE OF REPAYMENT (1) On application in writing from the borrower
the expiry of due date, the board may vary original terms of repayment.
84. £ÀUÀzÀÄ ºÀtzÀ C©ügÀPÉë : ¨ÁåAQ£À £ÀUÀzÄÀ ºÀt ªÀÄvÀÄÛ ©ÃUÀzÀ QÃUÀ¼ÀÄ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À CxÀªÁ CªÀ¤Az
¥Àqz É À AiÀiÁªÀÅzÉÃ C¢üPÁj CxÀªÁ ªÀÄAqÀ°AiÀÄÄ C¢üPÁgÀ ¤ÃrzÀ AiÀiÁªÀÅzÉÃ C¢üPÁj À dAn C©ügPÀ ÉëAiÀÄ°ègv À ÀPÌÀ z
¨sz
À v
Àæ ÉAiÀÄ°è EgÀÄªÀ ºÀtzÀ «ÄwAiÀÄ£ÀÄß ªÀÄAqÀ°AiÀÄÄ PÁ®PÁ®PÉÌ ¤UÀ¢¥Àr¸ÀvPÀ ÀÌzÀÄÝ.
84. CUSTODY OF CASH BALANCE: The cash balance and the keys of the bank shall be under
custody of the chief excutive or officialsauthorized by him or officials authorised by the board
double lock system. The board shall from time to time, fix the limit of cash retention under the joint c
85. FqÀÄ ªÀiÁqÀÄªÀ CªÀÄÆ®å ªÀ¸ÄÀ ÛUÀ¼À ªÀÄvÀÄÛ MqÀªÉUÀ¼À C©ügÀPÉë : ¨ÁåAQUÉ FqÀÄ ªÀiÁqÀÄªÀ CªÀÄÆ®å ªÀ¸ÀÄÛU¼ À ÀÄ CxÀª
ªÉÆzÀ¯ÁzÀªÀÅUÀ¼ÀÄ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À CxÀªÁ CªÀ¤AzÀ C¢üPÁgÀ ¥Àqz É À AiÀiÁªÀÅzÉÃ C¢üPÁj CxÀª
ªÀÄAqÀ°AiÀÄÄ C¢üPÁgÀ ¤ÃrzÀ AiÀiÁªÀÅzÉÃ C¢üPÁjAiÀÄ dAn C©ügPÀ ÉëAiÀÄ°ègv À ÀPÌÀ zÀÄÝ.
86
85. CUSTODY OF VALUABLES AND ORNAMENTS PLEDGED : The valuables, ornamen
pledged to the bank shall be under double lock system operated jointly by the chief excutive or any
authorized by him or/and any officers authorized by the board.
86. zÀ¸ÁÛªÉÃdÄ EvÁå¢UÀ¼À C©ügÀPÉë : ¨ÁåAQ£À J¯Áè «zsª À ÁzÀ zÀ¸ÁÛªÉÃdÄUÀ¼À£ÄÀ ß DzsÁgÀ ¥ÀvæU À À¼À£ÄÀ ß, ¸Á® ¥ÀvæUÀ ¼
À
CªÀÄÆ®å ¸ÀÄ¯ÉÃRUÀ¼À£ÄÀ ß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À CxÀªÁ CªÀ¤AzÀ C¢üPÁgÀ ¥Àqz É À AiÀiÁªÀÅzÉÃ C¢üPÁj ªÀÄvÀÄÛ ªÀÄ
C¢üPÁgÀ ¤ÃrzÀ AiÀiÁªÀÅzÉÃ C¢üPÁjAiÀÄ dAn C©ügPÀ ÉëAiÀÄ°è, dAnAiÀiÁV ªÀåªÀºj À ¸ÀÄªÀ eÉÆÃr ©ÃUÀ ºÉÆA¢gÀÄªÀ ª
EgÀvÀPÌÀ zÀÄÝ.
86. CUSTODY OF INSTRUMENTS ETC., : All the instruments, documents and deeds of the ba
be under double lock system operated jointly by the chief excutive or any officer authorized by him
officer authorized by the board.
87. ¯ÉPÀÌUÀ¼ÄÀ : ¯ÉPÌÀ ¥ÀÄ¸ÀÛPÀU¼ À À£ÄÀ ß, ¯ÉdgÀÄUÀ¼À£ÄÀ ß, jf¸ÀÖgÄÀ UÀ¼À£ÄÀ ß, zÁR¯ÉUÀ¼À£ÀÄß, UÀtQÃPÀÈvÀ ¯ÉPÌÀ ¥ÀvÀæUÀ¼À£ÄÀ ß, ¸À¨sÁ¥ÀÄ¸ÀÛPÀU¼ À
ºÉÆuÉ ¥ÀÄ¸ÀÛPÀU¼ À À£ÀÄß, EvÁå¢ ¨ÁåAQ£À PÁAiÀÄð¤ªÀðºÀuÉUÉ CUÀvÀåªÁzÀ J¯Áè ¯ÉPÌÀ ¥ÀvÀæUÀ¼À£ÄÀ ß ªÀÄAqÀ°AiÀÄ ¤zÉÃð±À£z À À ªÉÄ
ªÉÄÃ°éZÁgÀuÉAiÀÄ°è EqÀvPÀ ÀÌ dªÁ¨ÁÝjAiÀÄÄ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP¤ À UÉ CxÀªÁ CªÀ¤AzÀ ¥Áæ¢üPÈÀ vÀªÁzÀ C¢üPÁj ªÀÄvÀÄÛ
EgÀvÀPÌÀ zÀÄÝ. ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À ªÀÄvÀÄÛ jf¸ÁÖçgÀ£À C¢üPÈÀ vÀ C¢üPÁjUÀ½UÀÆ ºÁUÀÆ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPj À UÀÆ C
CªÀgÄÀ §AiÀÄ¹zÁUÀ ¯ÉPÌÀ ¥ÀÄ¸ÀÛPÀU¼ À ÀÄ, ¥ÀnÖU¼À ÀÄ, zÁR¯ÉUÀ¼ÀÄ ªÉÆzÀ¯ÁzÀªÀÅUÀ¼À£ÄÀ ß ªÀÄAr¸ÀÄªÀ dªÁ¨ÁÝjAiÀÄÄ, ¨ÁåAQ£À C¢
EgÀvÀPÌÀ zÀÄÝ. zÁR¯ÉUÀ¼ÀÄ, ¥ÀÄ¸ÀÛPÀUÀ¼ÀÄ, ¯ÉdgÀÄUÀ¼ÀÄ, jf¸ÀÖgÄÀ UÀ¼ÀÄ, zÁ¸ÁÛªÉÃdÄUÀ¼ÀÄ, gÀ¹ÃwUÀ¼ÀÄ, ªÉÇÃZÀgÄÀ UÀ¼ÀÄ, ªÉÆzÀ¯Áz
AiÀÄxÁxÀðªÁV ªÀÄvÀÄÛ ¥Àj¥ÀÆtðªÁV ¤ªÀð»¸À®Ä ªÀÄvÀÄÛ C©ügPÀ ÉëAiÀÄ°èqÀ®Ä ¸ÀÆPÀÛªÁzÀ ªÀåªÀ¸ÉÜ ªÀi
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ªÀÄvÀÄÛ ªÀÄAqÀ°AiÀÄÄ dªÁ¨ÁÝgÀgÁVgÀvÀPÌÀ zÀÄÝ. CªÀ±ÀåPÀvÉ EzÁÝUÀ CªÀÅUÀ¼À£ÄÀ ß ªÀÄAqÀ°AiÀÄ
ªÀÄAr¸ÀvPÀ ÀÌzÀÄÝ. J¯Áè §UÉAiÀÄ ¯ÉPÌÀ UÀ¼À£ÄÀ ß PÁ®PÁ®PÉÌ EA¢ÃPÀj¹ ªÀÄÄV¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ CAwªÀÄ ¯ÉPÌÀ UÀ¼À£ÄÀ ß ¤
£ÀªÄÀ Æ£ÉAiÀÄ°è vÀAiÀiÁj¹, ¸ÀPÁ®zÀ°è «zsÄÀ åPÀÛ ªÀg¢ À UÀ¼À£ÄÀ ß ¸À°è¸v À ÀPÌÀ zÀÄÝ. ªÀÄAqÀ°AiÀÄÄ gÀÆ¦¹zÀ ¤AiÀÄªÀÄUÀ¼À ¥ÀPæ
¯ÉPÌÀ ¥ÀÄ¸ÀÛPÀU¼
À À£ÄÀ ß ªÀÄvÀÄÛ ¯ÉPÌÀ ¥ÀvÀæUÀ¼À£ÄÀ ß ¤UÀ¢vÀ £ÀªÀÄÆ£ÉU¼ À À°è ¤ªÀð»¹ ¸ÀÄªÀåªÀ¸ÉÜAiÀÄ°èqÀvPÀ ÀÌzÀÄÝ.
87. ACCOUNTS :
It shall be the r esponsibility of the chief excutive or the officers or the officials authorized by
maintain the books of accounts, ledgers, registers, documents, accounts, computerised accounts, m
books, registers realting to assets and liability etc. under the supervision and direction of the board. It
the responsibility of the officers to produce such accounts, statements, records etc., before any au
officer of the Reserve Bank and Registrar and auditors whenever necessary and called for. The chief
or the officers or officials authorized by him shall be responsible for safe custody and maintenanc
records, books, ledgers, registers, documents, papers, receipts, vouchers, etc., accurately and precis
cause the same to be produced before the board whenever necessary. All accounts shall be made up
as prescribed from time to time and financial statements drawn up and returns filed regularly.
accounts and registers shall be maintained in the formats prescribed as per rules framed by the board.
88. D¹Û - dªÁ¨ÁÝj ¥ÀnÖ ªÀÄvÀÄÛ EvÀgÀ DyðPÀ ¥ÀnÖUÀ¼ÀÄ :
(1) ¨ÁåAQAUï ¤AiÀÄAvÀæt PÁAiÉÄÝ 1949 (¸ÀºPÀ ÁgÀ ¸ÀAWÀU½ À UÉ C£Àé¬Ä¸ÀÄªÀ)gÀ ¥Àj²µÀÖ III gÀ°è ¤UÀ¢¥Àr¹gÀÄªÀ £Àª
CxÀªÁ CªÀÅUÀ½UÉ DzÀµÀÄÖ ºÀwÛgÀ«gÀÄªÀ gÀÆ¥Àz° À è ¥Àw æ ªÀµð À zÀ ªÀiÁZïð wAUÀ¼À 31£ÉÃ ¢£ÀzÀ°èzÀÝAvÉ ¨ÁåAQ£À D¹Û
¥ÀnÖ, ¯Á¨sÀ £ÀµÖÀ ¥ÀnÖ ªÀÄvÀÄÛ EvÀgÀ DyðPÀ ¥ÀnÖU¼ À À£ÄÀ ß ¸ÀºPÀ ÁgÀ ªÀµð À ªÀÄÄPÁÛAiÀÄªÁzÀ ªÀÄÆªÀvÀÄÛ ¢£ÀUÀ¼ÉÆ¼ÀUÉ vÀAiÀiÁ
ºÁUÀÆ jf¸ÁÖçgÀ¤UÉ ªÀÄvÀÄÛ ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPÀ¤UÉ M¦à¸ÀvPÀ ÀÌzÀÄÝ;
(2) D¹Û dªÁ¨ÁÝj ¥ÀnÖ, ¯Á¨sÀ £ÀµÖÀ ¥ÀnÖ ªÀÄvÀÄÛ EvÀgÀ DyðPÀ ¥ÀnÖU¼ À À£ÀÄß ¨ÁåAQ£À CzsåÀ PÀëgÄÀ , PÀ¤µÀÖ E§âgÀÄ ¤zÉÃð±ÀP
87
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ ¸À» ªÀiÁqÀvPÀ ÀÌzÀÄÝ;
(3) D¹Û dªÁ¨ÁÝj ¥ÀnÖ, ¯Á¨sÀ £ÀµÖÀ ¥ÀnÖ ªÀÄvÀÄÛ EvÀgÀ DyðPÀ ¥ÀnÖU¼ À À£ÀÄß ¯ÉPÌÀ ¥Àj±ÉÆÃzsPÀ ÀgÀ ªÀg¢
À AiÉÆA¢UÉ ¸Á¯Á
wAUÀ¼ÉÆ¼ÀUÁV ¨ÁåAQ£À PÁAiÀÄðPÉëÃvÀæzÀ°è ¥Àæ¸ÁgÀzÀ°ègÀÄªÀ ªÀÈvÀÛ ¥ÀwæPA É iÀÄ°è ¥ÀæPÀn¸ÀvPÀ ÀÌzÀÄÝ. ºÁUÉ 6 wAUÀ¼ÉÆ¼ÀUÁV
¸ÁzsÀåªÁUÀ¢zÀÝ°è 3 wAUÀ¼À PÁ¯ÁªÀPÁ±ÀªÀ£ÄÀ ß ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ¤AzÀ ¥ÀqA É iÀÄvÀPÌÀ zÀÄÝ.
88. BALANCE SHEET AND OTHER FINANCIAL STATEMENTS :
(1) At the expiry of each co-operative year ending with 31st day of March, the bank shall prepare
sheet, profit and loss account and other financial statements in the formats set out in the III Schedu
Banking Regulation Act 1949 (AACS) or in formats as near thereto within thirty days from the clos
co-operative year and submit the same to the Registrar and auditor;
(2) The balance sheet, Profit & Loss account and other financial statements shall be signed by the P
at least two Directors and the Chief Executive.
(3) The balance sheet, Profit & Loss account and other financial statements together with the A
Report shall be published within a period of 6 months from the close of the co-operative year in a ne
which has wide circulation in the area of operation of the bank. In case it is not possible to publish
months, extension for 3 months shall be obtained from the Reserve Bank.
89. DAvÀjPÀ ¤AiÀÄAvÀæt ªÀåªÀ¸ÜÉ :
¨ÁåAPï £À°è MAzÀÄ ¥ÀjuÁªÀÄPÁjAiÀiÁzÀ DAvÀjPÀ ¤AiÀÄAvÀæt ªÀåªÀ¸ÉÜAiÀÄÄ ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À £ÉÃgÀ ¤Ai
CxÀªÁ £ÉÃgÀ ¤zÉðÃ±ÀPÀgÀ ªÀÄAqÀ°UÉ ªÀgÀ¢ ¸À°è¸ÄÀ ªÀ M§â »jAiÀÄ C¢üPÁjAiÀÄ C¢üPÁgÀzÀ CrAiÀÄ°è MAzÀÄ ¥Àv æ ÉåÃ
«¨sÁUÀ EgÀvÀPÌÀ zÀÄÝ. F GzÉÝÃ±ÀPÁÌV CUÀvåÀ «gÀÄªÀ ¹§âA¢ ªÀUÀðzÀªÀgÀ£ÄÀ ß ªÀÄAqÀ°AiÀÄÄ £ÉÃ«Ä¸ÀvPÀ ÀÌzÀÄÝ.
89. Internal control system:
There shall be an effective internal control system in place in the Bank. The internal control system
directly under the control of the chief excutive or be a separate independent wing which may be hea
senior officer and Report directly to the Board of Directors. The board shall appoint nessecary staff
purpose.
90. DAvÀjPÀ ¯ÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀ £ÉÃªÀÄPÀ : ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀ ¸ÀA¨sÁªÀ£A É iÀÄ ªÉÄÃ¯É, ªÀÄÆgÀÄ ªÀµð À UÀ½UÉ «ÄÃgÀz
CªÀ¢üUÉ DAvÀjPÀ ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPÀgÀ£ÄÀ ß £ÉÃªÀÄPÀªÀiÁrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ.
CAvÀjPÀ ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPÀjUÉ C£ÀéAiÀÄªÁUÀÄªÀ G¯ÉèÃR µÀgÀvÀÄÛUÀ¼À£ÀÄß ¥ÀævÁåAiÉÆÃf¸ÀvÀPÀÌzÀÄÝ. CAvÀjPÀ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀÄ
CzsÀåPÀëjUÉ £ÉÃgÀªÁV ¤AiÀÄvÀPÁ°PÀ ªÀgÀ¢UÀ¼À£ÀÄß ¸À°è¸ÀvÀPÀÌzÀÄÝ. ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£ÄÀ CAvÀjPÀ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ ªÀgÀ¢
§UÉÎAiÀÄ PÀæªÀÄ PÉÊUÉÆAqÀ ªÀgÀ¢AiÀÄ eÉÆvÉUÉ PÀ¤µÀÖ JgÀqÀÄ wAUÀ¼ÀÄUÀ½UÉ MªÉÄäAiÀiÁzÀgÀÆ ¤zÉðÃ±ÀPÀ ªÀÄAqÀ° ¸À¨sÉAiÀÄ°è ªÀÄAr¸À¨ÉÃPÀ
90. APPOINTMENT OF INTERNAL AUDITORS : The board shall appoint one or more internal
for specified period not exceeding three years at a time on such remunaration as may be fixed by it.
The Bank shall issue the necessary terms of reference to the Internal Auditors. The Internal Audito
submit periodical reports to the Presdient of the Bank. The Chief Executive shall place the internal
reports along with the Action Taken Reports at least once in two months, before the Board of Directo
91. zÁR¯É ¥ÀÄ¸ÀÛPÀUÀ½UÉ ¥ÀæªÉÃ±Á¢üPÁgÀ :
¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPg
À ÄÀ ¨ÁåAQ£À J¯Áè zÁR¯ÉUÀ¼ÀÄ, ¥ÀÄ¸ÀÛPÀU¼ À ÀÄ, SÁvÉUÀ¼ÀÄ, NZÀgÄÀ UÀ¼ÀÄ ªÉÆzÀ¯ÁzÀªÀÅUÀ¼À£ÄÀ ß ¨ÉÃPÁzÁUÀ
ªÀÄvÀÄÛ £ÀUÀzÄÀ ²®ÄÌ ºÁUÀÆ ¨sz À v
Àæ ÉU¼
À À£ÄÀ ß ¥Àj²Ã°¸À®Ä C¢üPÁgÀ ºÉÆA¢gÀvPÀ ÀÌzÀÄÝ. ¯ÉPÌÀ ¥Àj±ÉÆÃzsÀPÀgÀÄ ¨ÁåAQ£À
¸ÀA§AzÀ¥ÀlÖ ¥ÀvæU À ¼
À À£ÄÀ ß CxÀªÁ zÁR¯ÉUÀ¼À£ÄÀ ß vÀj¹PÉÆ¼Àî®Ä C¢üPÁgÀ ºÉÆA¢zÀÄÝ ¯ÉPÌÀ ¥ÀvÀæöUÀ¼À ¥Àj±ÉÆÃzsÀ£U É É ¸ÀA§
88
AiÀiÁªÀÅzÉÃ PÀª
æ ÀÄ / ªÀåªÀºÁgÀzÀ §UÉÎ «±ÉÃµÀ ªÀgÀ¢ vÀAiÀiÁj¹ ¸ÀÆPÀÛ PÀª æ ÀÄPÁÌV ªÀÄAqÀ°UÉ ¤ÃqÀvÀPÌÀ zÀÄÝ. ¨ÁåAQ£À PÁAiÀÄ
ªÀåªÀºÁgÀPÉÌ ¸ÀA§A¢ü¹zÀAvÉ ¥Àj±ÉÆÃzsÀPg À ÄÀ C¥ÉÃQë¸ÀÄªÀ J¯Áè ªÀiÁ»wUÀ¼À£ÄÀ ß MzÀV¸À®Ä ªÀÄAqÀ°, ªÀÄÄRå PÁAiÀÄð¤ªÁð
EvÀgÉ C¢üPÁjUÀ¼ÀÄ / ¹§âA¢ªÀUÀðzÀªÀgÀÄ §zÀÝgÁVgÀvÀPÌÀ zÀÄÝ.
91. ACCESS TO BOOKS: The auditors shall have access to all records, books, accounts, vouchers
the bank and shall be entitled to verify cash balance and securities of the bank. The auditors shall
entitled to call for any papers or documents belonging to the bank and shall make special report to th
upon any action. The board or chief excutive or any other officer / official shall furnish all such info
as to the transaction and working of the bank as the auditors may require.
92. ¤ªÀé¼À ¯Á¨sÀ «¨sd À £Á PÀª æ ÀÄ :
PÁAiÉÄÝAiÀÄ PÀ®A 57 ºÁUÀÆ ¤AiÀÄªÀÄUÀ¼À 22£ÉÃ ¤AiÀÄªÀÄzÀ°è £ÀªÄÀ Æ¢¹gÀÄªÀAvÉ DAiÀiÁ ªÀµð À zÀ°è ¨ÁåAPÀÄUÀ½¹
¯Á¨sÀªÀ£ÄÀ ß ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ°è WÉÆÃ¶¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ F PÉ¼ÀPA À qÀAvÉ «AUÀqÀuÉ ªÀiÁqÀvPÀ ÀÌzÀÄÝ. ¤ªÀé¼À ¯Á¨sÀªÀ£ÀÄß F
«AUÀqu À É ªÀiÁqÀÄªÀÅzÀPÌÉ ªÀÄÄAZÉ, »A¢£À ªÀµð À zÀ CxÀªÁ ªÀµðÀ UÀ¼À°è£À PÉÆæÃrüÃPÀÈvÀ £ÀµÖÀª£ À ÀÄß F ¤ªÀé¼À ¯Á¨sÀz°À è ªÀe
G½zÀ ¯Á¨sÀªÀ£ÄÀ ß ªÀiÁvÀæ «¨sÀd£É ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
(1) ¤ªÀé¼À ¯Á¨sÀzÀ PÀ¤µÀÖ ±ÉÃPÀqÀ 25 gÀµÖÀ£ÄÀ ß «ÄÃ¸À®Ä ¤¢ü (j¸Àªïð ¥sÀAqï) UÉ ¸ÉÃj¸ÀvPÀ ÀÌzÀÄÝ.
(2) G½zÀ ¯Á¨sÀzÀ°è ±ÉÃPÀqÁ 2gÀµÀÖ£ÀÄß ¸ÀºPÀ ÁgÀ ²PÀët ¤¢üUÉ vÉU¢ É j¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ CzÀ£ÀÄß ¸ÁªÀiÁ£Àå ¸À¨sÉAi
¢£ÁAPÀ¢AzÀ ªÀÄÆªÀvÀÄÛ ¢£ÀUÀ¼ÉÆ¼ÀUÉ PÀ£ÁðlPÀ gÁdå ¸ÀºPÀ ÁgÀ ªÀÄºÁªÀÄAqÀ¼ÀPÌÉ PÀ¼ÀÄ»¸ÀvPÀ ÀÌzÀÄÝ.
(3) eÁvÁ G½zÀ ¯Á¨sÀªÀ£ÄÀ ß F PÉ¼ÀPA À qÀAvÉ «¤AiÉÆÃV¸À§ºÀÄzÀÄ:
(J) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÄÀ ß PÀgq À ÀÄ ¸Á®zÀ ¤¢üUÉ (ºÉÆÃPÀÄ¨ÁQ ¤¢üU)É
(©) ±ÉÃPÀqÁ 15PÉÌ PÀrªÉÄ E®èzÀ ªÉÆ§®UÀ£ÄÀ ß PÀlÖqz À À ¤¢üUÉ
(¹) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÀÄß ¸ÀzÀ¸ÀågÀ PÉëÃªÀÄ¤¢üUÉ
(r) ±ÉÃPÀqÁ 5PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÀÄß ¹§âA¢ PÉëÃªÀÄ¤¢üUÉ
(E) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÀÄß ¸ÁªÀiÁfPÀ PÀ¯Áåt ¤¢üUÉ
(J¥sï) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÄÀ ß zsÀªÄÀ ðzÀ ¤¢üUÉ
(f) ±ÉÃPÀqÁ 2PÉÌ PÀrªÉÄ E®èzÀ ªÉÆ§®UÀ£ÄÀ ß PÀ£ÁðlPÀ gÁdå ¥ÀlÖt ¸ÀºPÀ ÁgÀ ¨ÁåAPÀÄUÀ¼À ªÀÄºÁªÀÄAqÀ® ¤AiÀÄ«ÄvÀ, ¨
EzÀgÀ ¸ÀºPÀ ÁgÀ C©üªÀÈ¢Þ ¤¢üUÉ
(ºÉZï) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ªÉÆ§®UÀ£ÄÀ ß ªÀÄºÉÆÃvÀìªÀ ¤¢üUÉ (dÄå©° ¥sÀAqïUÉ)
(L) ±ÉÃPÀqÁ 10PÉÌ «ÄÃgÀzÀ ¯Á¨sÁA±À ¸À«ÄÃPÀgt À ¤¢üUÉ
(eÉ) G½zÀ ¯Á¨sÁA±Àz° À è ¥Àæw ¸Àz¸
À ÀågÀ ºÉ¸Àj£À®Æè ¸Á°£À CSÉÊjUÉ EgÀÄªÀ µÉÃgÀÄ §AqÀªÁ¼ÀzÀ ªÉÄÃ¯É ¸ÁªÀiÁ£Àå
¸ÀA§A¢ü¹zÀ ¸ÀºPÀ ÁgÀ ªÀµÀðzÀ°è oÉÃªÀtÂzÁgÀjUÉ ¨ÁåAPï ¥ÁªÀw¹zÀÀ UÀjµÀÖ §rØ zÀgÀQÌAvÀ ±ÉÃ. 3 £ÀÄß «ÄÃgÀzA À vÉÀ ¤
zÀgÀz°À è, r«qÉAqÀ£ÄÀ ß ¥ÁªÀw¸À®Ä
(eÉ) F ªÉÄÃ°£É®èªÀÅUÀ¼À£ÀÄß ºÀAa G½AiÀÄÄªÀ ªÉÆ§®UÀ£ÄÀ ß ¨ÁåAQ£À j¸Àªïð ¥sÀArUÉ («ÄÃ¸À®Ä ¤¢üU)É ¸ÉÃj¸ÀvPÀ ÀÌzÀÄÝ.
92. METHOD OF DISTRIBUTION OF PROFITS :
At the general meeting, the net profits earned by the bank every year as calculated as per Section. 5
Act and rule 22 of the rules shall be announced and distributed as under. Before distributing pro
accumulated losses of the previous year or years shall be deducted out of the net profits and the re
balance of profits only shall be distributed.
(1) A sum not less than 25% of the net profit shall be transferred to the Reserve Fund.
(2) Out of the balance of the net profit, a sum of 2% shall be contributed to the Co-operative Educatio
89
The said amount shall be remitted to the Karnataka State Co-operative Federation within thirty days
date of the general meeting.
(3) Of the remaining profits:
(a) A sum not more than 10% may be set apart for the Bad and Doubtful Debts Fund.
(b) A sum not less than 15% may be set apart to Building Fund.
(c) A sum not exceeding 10% may be set apart to Members Welfare Fund.
(d) A sum not exceeding 5% may be set apart to Staff Welfare Fund.
(e) A sum not exceeding 10% may be set apart to Social Welfare Fund.
(f) A sum not exceeding 10% may be set apart to Charity Fund.
(g) A sum not less than 2% may be set apart towards Co-operative Development Fund of the Karnata
Co-operative Urban Bank Federation.
(h) A sum not exceeding 10% may be set apart towards Jubilee Fund.
(i) A sum not exceeding 10% may be set apart towards Dividend Equalization Fund.
(j) Dividend may be paid to the members, from out of balance of net profit available, on the shar
standing in their names, at the end of the year, at the rate to be determined by the general body, bu
not exceed 3% above the highest interest offered to the depositors of the Bank in the relevant coo
year.
(k) The remaining net profit if any shall be carried to the Reserve Fund.
93. r«qÉAqÀ£ÀÄß ¯ÉPÀÌºÁPÀÄªÀÅzÀÄ :
(1) ¸ÀºPÀ ÁgÀ ªÀµð À zÀ MAzÀÄ vÉæöÊªÀiÁ¹PÀz° À è ¸Àz¸ À ÀågÁV ¸ÉÃj¸À®àlÖ J¯Áè ªÀåQÛUÀ¼ÀÄ D ªÀµð À G½PÉ vÉæöÊª
ºÉÆA¢PÉAiÀiÁzÀ ¥ÀæªÀiÁtzÀ°è r«qÉAqÀ£ÄÀ ß ¥ÀqA É iÀÄ®Ä CºÀðgÁVgÀvÀPÌÀ zÀÄÝ.
(2) vÀ£ßÀ µÉÃgÀÄUÀ¼À£ÄÀ ß ¨ÉÃgÉAiÀÄªÀjUÉ ªÀUÁð¬Ä¹zÀ ¸ÀzÀ¸Àå£ÀÄ D µÉÃgÀÄUÀ¼À ªÉÄÃ¯É ªÀUÁðªÀuÉ DzÀ ¸Á°UÉ r«qÉAqÀ£ÄÀ ß
CºÀð£À®è. ¨ÁåAPÀÄ ¸Àz¸ À Àå£À µÉÃgÀÄUÀ¼À£ÀÄß ¸Á® ªÀÄvÀÄÛ EvÀgÃÉ ¨ÁQUÀ½UÁV PÀ®A 35gÀ C£ÀéAiÀÄ ¸ÀjºÉÆA¢¹PÉÆArzÀÝg
µÉÃgÀÄUÀ¼À ªÉÄÃ¯É ¸ÀjºÉÆA¢¹PÉÆAqÀ ¸Á°£À°è, r«qÉAqÀ£ÄÀ ß ¥ÁªÀw ªÀiÁqÀvÀPÌÀ zÀÝ®è.
93. CALCULATION OF DIVIDEND :
(1) All persons admited as members in a quarter of a co-operative year shall be eligible for re
dividend proportionately for the remaining quarters of that co-operative year.
(2) A member who transfers his shares shall not be entitled to receive dividend, on those shares for t
in which the transfer is affected. If a share of the member is adjusted by the bank under Section 35 of
no dividend on such share shall be paid for the year, in which the adjustments are made.
94. UÀw¹zÀ r«qÉAqÀ : r«qÉAqÀ£ÀÄß WÉÆÃ¶¹zÀ £ÀAvÀgÀ ¸ÀºÀPÁjAiÀÄÄ J¯Áè ¸ÀzÀ¸ÀåjUÀÆ r«qÉAqï ªÉÆvÀÛªÀÅ vÀ®Ä¥ÀÅªÀ
¸ÁzsÀå«gÀÄªÀ PÀæªÀÄUÀ¼À£ÀÄß PÉÊUÉÆ¼Àî¨ÉÃPÀÄ. »ÃUÉ PÉÊUÉÆAqÀ PÀæªÀÄUÀ¼À §UÉÎAiÀÄ zÁR¯ÉUÀ¼À£ÀÄß ¸ÀºÀPÁjAiÀÄÄ PÁ¥ÁqÀ¨ÉÃPÀÄ. r«
WÉÆÃ¶¹zÀ vÁjÃT¤AzÀ 3 ªÀµð À zÀ M¼ÀUÁV, AiÀiÁgÉÃ ¸Àz¸ À Àå£ÀÄ r«qÉAqÀ£ÄÀ ß ¥ÀqA
É iÀÄzÉÃ EzÀÝgÉ CAvÀºÀ ¸Àz¸
À Àå¤UÉ
M¼ÀUÁV r«qÉAqÀ£ÄÀ ß ¥ÀqÉAiÀÄ¨ÉÃPÉAzÀÄ s¸Àz¸ À Àå£À zÁR¯ÁVgÀÄªÀ «¼Á¸ÀPÉÌ £ÉÆÃn¸À£ÄÀ ß PÀ¼ÀÄ»¸ÀPÉÆqÀvÀPÌÀ zÀÄÝ. D Cª
¸Àz¸À Àå£ÀÄ r«qÉAqÀ£ÄÀ ß ¥ÀqA É iÀÄzÉÃ EzÀÝ°è, D r«qÉAqï ªÉÆ§®UÀ£ÀÄß «ÄÃ¸À®Ä ¤¢üUÉ (j¸Àªïð ¥sA À rU
ªÀiÁrPÉÆ¼ÀîvÀPÌÀ zÀÄÝ.
94. LAPSE OF DIVIDEND : After the declaration of dividend, the bank shall take efforts to t
members and reach the dividend amount to the members. The Bank shall maintain records as evid
efforts taken to search the members and disburse the dividends to them.
90
If no dividend is claimed for a period of three years from the date of declaration, by a member
a notice shall be issued to the member at his last known address, calling upon the concerned membe
the amount within a period of three months, from the date of notice. If the dividend is not claimed wi
period, the amount shall be credited to the Reserve Fund.
95. «ÄÃ¸À®Ä ¤¢ü : «ÄÃ¸À®Ä ¤¢üAiÀÄÄ F PÉ¼ÀV£À ªÉÆ§®UÀÄUÀ¼À£ÉÆß¼ÀUÉÆArgÀvÀPÌÀ zÀÄÝ :
(J) G¥À«¢ü 108.1gÀ C£ÀÄ¸ÁgÀªÁV ¥Àæw ªÀµÀð ¤ªÀé¼À ¯Á¨sÀ¢AzÀ dªÀiÁ ªÀiÁrzÀ ªÉÆ§®UÀÄ.
(©) ¨ÁåAQ¤AzÀ ªÀÄÄlÄÖUÆ É Ã®Ä ºÁQzÀ µÉÃgÀÄUÀ¼À ªÉÆvÀÛ«zÀÝgÉ, CAvÀºÀ ªÉÆ§®UÀÄ
(¹) UÀw¹zÀ r«qÉAqï ªÉÆ§®UÀÄ
(r) «¯ÉÃªÁjAiÀiÁUÀzÀ ¯Á¨sÀ
(E) zÉÃtÂUÉUÀ½AzÀ §gÀÄªÀ ªÉÆ§®UÀÄ
95. CONSTITUTION OF RESERVE FUND : The Reserve Fund shall consist of;
(a) The amount anually credited to the Fund in accordance with bye-law No.108.1.
(b) The value of shares forfeited by the bank, if any.
(c) Lapsed dividends
(d) Un- appropriated profits.
(e) Donations
96. «ÄÃ¸À®Ä ¤¢üAiÀÄ ºÀÆrPÉ :
»A¢£À ¸ÀºPÀ ÁgÀ ªÀµÀðzÀ CAvÀåzÀ°èzÀÝ «ÄÃ¸À®Ä ¤¢üAiÀÄ£ÀÄß F PÉ¼ÀPA À qÀAvÉ ºÀÆrPÉ ªÀiÁqÀ¯ÁUÀÄªÀÅzÀÄ:
1. ¸ÀA§AzsÀ¥ÀlÖ f¯Áè PÉÃAzÀæ ¸ÀºPÀ ÁgÀ ¨ÁåAQ£À°è CxÀªÁ
2. PÀ£ÁðlPÀ gÁdå ¸ÀºPÀ ÁgÀ C¥ÉPïì ¨ÁåAQ£À°è ¢ÃWÁðªÀ¢
3. AiÀiÁªÀÅzÉÃ ¸ÁªÀðd¤PÀ PÉëÃvÀæzÀ ¨ÁåAPï £À°üè oÉÃªÀtÂAiÀÄ£ÁßV CxÀªÁ
4. ¨ÁåAQAUï ¤AiÀÄAvÀæt PÁAiÉÄÝ, 1949(JJ¹J¸ï) gÀr C£ÀÄªÀÄw¹zÀ ¨sz À v Àæ Á ¥ÀvÀæUÀ¼À°è EqÀvPÀ ÀÌzÀÄÝ.
¸ÁªÀiÁ£ÀåªÁV jf¸ÁÖçgÀ£À C£ÀÄªÀÄw¬Ä®èzÉ F ªÉÆ§®UÀ£ÄÀ ß »A¥ÀqA É iÀÄvÀPÌÀ zÀÝ®è. DzÁUÀÆå ¨ÁåAQ£À GzÉÝÃ±ÀUÀ¼À
CUÀvÀåªÁzÀ ¨sÆ À «Ä CxÀªÁ PÀlÖqÀUÀ¼À£ÄÀ ß RjÃ¢¸À®Ä F ¤¢üAiÀÄ ¸Àé®à ¨sÁUÀªÀ£ÄÀ ß jf¸ÁÖçgÀ£À C£ÀÄª
G¥ÀAiÉÆÃV¹PÉÆ¼Àî§ºÀÄzÀÄ.
96. INVESTMENT OF RESERVE FUND :
The Reserve Fund as on the end of the proceeding co-operative year shall be deposited as under:
a. with the District Central Co-operative Bank of the concerned district or
b. the Karnataka State Cooperative Apex Bank ,
c. in any Public Sector Bank as long term fixed deposit or
d. in any of the approved trustee securities permitted under the Banking Regulation Act, 1949(AA
The amount so deposited shall not ordinarily be withdrawn except with the prior permissio
Registrar. However, a portion of the amount so deposited may be withdrawn for utilizatio
construction or purchaise of the lands or buildings required for carrying on the objects of t
with the permission of the Registrar.
97. ¸ÀzÀ¸åÀ gÀ PÉëÃªÀÄ¤¢ü : ¨ÁåAQ£À ¸Àz¸À ÀågÀ C£ÀÄPÀÆ®PÁÌV MAzÀÄ PÉëÃªÀÄ ¤¢üAiÀÄ£ÀÄß ¸ÁÜ¦¸ÀvÀPÀÌzÄÀ Ý. F ¤¢üUÉ ¨ÁåAQ£À
¸Àz¸À Àå£ÀÄ ¤UÀ¢¥Àr¹zÀ ZÀAzÁ ºÀtªÀ£ÄÀ ß ªÀµð À PÉÆÌAzÀÄ ¸Áj ¥ÁªÀw ªÀiÁqÀvPÀ ÀÌzÀÄÝ. F ¤¢üAiÀÄÄ ¸ÀzÀ¸ÀågÀ ZÀAzÁ ºÀtz
¨ÁåAPÀÄ ¥Àw æ ªÀµð À ¯Á¨sz À À «AUÀqu
À É¬ÄAzÀ vÉU¢ É lÖ ªÉÆ§®UÀ£ÄÀ ß M¼ÀUÆ É ArgÀÄvÀÛzÉ. F ¤¢ü¬ÄAzÀ ¸Àz¸ À ÀågÀ ªÀÄ
91
¥ÀjºÁgÀPÁÌV, ¸Àz¸ À ÀågÀ ªÉÊzÀåQÃAiÀÄ vÀ¥Á¸ÀuÉUÁV, ¸Àz¸ À ÀågÀ wÃªÀæ vÀgº À ÀzÀ SÁ¬Ä¯ÉUÀ½UÉ ¸ÀA§AzsÀ¥ÀlÖ ªÉÊzÀåQÃ
¨sj À ¸ÀÄªÀÅzÀPÁÌV ºÁUÀÆ ¸ÀzÀ¸ÀågÀ ªÀÄPÀÌ¼ÀÄ G£ÀßvÀ ¥ÀjÃPÉëUÀ¼À°è ºÉZÀÄÑ CAPÀU¼ À À£ÀÄß ¥ÀqzÉ À°è ºÁUÀÆ QæÃqÉ, PÀ¯É, ¸ÁªÀðd¤P
PÉëÃvÀæUÀ¼À°è UÀt¤ÃAiÀÄ ¸ÁzsÀ£A É iÀÄ£ÀÄß ªÀiÁrzÀ°è CªÀjUÉ ¥ÉÆæÃvÁìºÀ zsÀ£À ¤ÃqÀÄªÀÅzÀPÁÌV zs£ À À ¸ÀºÁAiÀÄ ªÀiÁqÀvPÀ ÀÌzÀÄÝ.
¸Àz¸ À Àå£ÀÄ PÉÆqÀ¨ÃÉ PÁzÀ ªÁ¶ðPÀ ZÀAzÁ ªÉÆ§®UÀÄ PÁ®PÁ®PÉÌ ªÀÄAqÀ°AiÀÄ ¸À¨sÉAiÀÄ°è wÃªÀiÁð£ÀªÁzÀAvÉ EgÀv
¤¢üAiÀÄ£ÀÄß §¼ÀPÉ ªÀiÁqÀÄªÀ ¸ÀA§Azsz À À°è ªÀÄAqÀ°AiÀÄÄ ¤AiÀÄªÀÄUÀ¼À£ÀÄß gÀÆ¦¹ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ M¦àUÉ ¥ÀqÉAiÀÄvÀPÌÀ zÀÄÝ.
97. MEMBERS' WELFARE FUND :
There shall be a members welfare fund for the benefit of the members. Every member shall contri
specified amount to this fund every year. The amount ear marked for this purpose out of the distrib
net profits shall also be credited to this fund.
This fund can be utilized for
providing relief on the death of a member,
to meet the expenditure for medical check-up of the members,
to meet the expenditure in respect of serious illness of the members and
to provide incentives to the children of the members who have shown exemplary achievement in aca
sports, arts and public service.
The amount of the contribution to be made by each member to this fund annually shall be as may be
the board from time to time. The board may frame necessary rules for utilizing this fund and shall ob
approval of the general body.
98. G¥À«¢üUÀ¼À ªÀÄvÀÄÛ EvÀgÉ zÁR¯ÉUÀ¼À ¥Àj«ÃPÀëuÉ :
AiÀiÁªÀ CºÀð ¸Àz¸ À Àå£ÉÃ DUÀ° ¨ÁåAQ£À G¥À«¢üUÀ¼À MAzÀÄ ¥Àw æ AiÀÄ£ÀÄß ¥ÀqA É iÀÄ®Ä ªÀÄvÀÄÛ EvÀgÉ zÁR¯ÉUÀ¼À£ÄÀ ß
ªÀÄÄ£ÀÆìZ£ À É ¤Ãr ¨ÁåAQ£À PÉ®¸ÀzÀ ªÉÄÃ¼ÉAiÀÄ°è ¥ÀjÃQë¸À®Ä C¢üPÁgÀ ºÉÆA¢gÀÄvÁÛ£É. D ¸Àz¸ À Àå£ÀÄ CzÀgÀ §U
§gÉ¢lÄÖPÆ É ¼Àî§ºÀÄzÀÄ. ªÀÄvÀÄÛ CªÀ±ÀåPÀvÀ PÀAqÀÄ §AzÀgÉ ¤UÀ¢vÀ ±ÀÄ®ÌªÀ£ÄÀ ß ¥ÁªÀw¹ CªÀÅUÀ¼À £ÀPÀ®ÄUÀ¼À£ÄÀ ß PÉÆÃjPÉA
¥ÀqA É iÀÄ§ºÀÄzÀÄ. ªÀÄÄ£ÀÆìZ£ À É PÉÆlÄÖ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ £Àqª À À½PÉUÀ¼À£ÄÀ ß ¥ÀjÃQë¸À®Ä §AiÀÄ¸ÀÄªÀ ¸Àz¸ À ÀåjUÉ ¨ÁåAPÀÄ
PÀ°à¹PÉÆqÀ§ºÀÄzÀÄ. ¸Àz¸ À ÀågÀÄ ¤UÀ¢vÀ ±ÀÄ®ÌªÀ£ÀÄß ¥ÁªÀw¹, CªÀgÄÀ §AiÀÄ¹zÀ ¥Àw æ UÀ¼À£ÄÀ ß ¸ÀPÁ®zÀ°è ¨ÁåAQ¤AzÀ ¥Àqz É
ºÀPÄÀ Ì¼ÀîªÀgÁVgÀvÀPÌÀ zÀÄÝ.
PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À£ÀÄß ªÀÄvÀÄÛ G¥À«¢üUÀ¼À£ÀÄß ¸ÀzÀ¸ÀågÀÄ ¥Àj«ÃQë¸ÀÄªÀÅzÀÄ : PÁAiÉÄÝ ¤AiÀÄªÀÄUÀ¼ÀÄ ªÀÄvÀÄÛ ¨ÁåAQ£À G¥À«¢üUÀ¼ÀÄ ºÁU
/ ¸ÉÃªÁ¤AiÀÄªÀÄUÀ¼À£ÀÄß PÁ®PÁ®PÉÌ ªÀiÁrzÀ wzÀÄÝ¥ÀrUÀ¼À ¸À»ÃvÀªÁV ¨ÁåAQ£À £ÉÆAzÁ¬ÄvÀ PÀbÉÃjAiÀÄ°è EqÀvÀPÀÌzÀÄÝ. CªÀÅUÀ¼À£À
J¯Áè ¸ÀzÀ¸ÀågÀÄ AiÀÄÄPÀÛ PÁ®UÀ¼À°è GavÀªÁV £ÉÆÃqÀ®Ä ªÀÄvÀÄÛ ªÀiÁ»w ¥ÀqÉAiÀÄ®Ä ºÀPÀÄÌ¼ÀîªÀgÁVgÀvÀPÀÌzÀÄÝ.
98. BYE-LAWS AND OTHER RECORDS :
An Eligible member has a right to obtain a copy of the bye-law. He also has the right to inspect other
of the bank during working hours, with prior notice to the bank. A member can make notes, if ne
obtain copies thereof by payment of the prescribed fee. The bank may allow members who have giv
notice to inspect the proceedings of the Annual General Meeting. The bank shall arange to supply
copies of the required documents, after receipt of the prescribed fees.
The bank shall keep a copy of the Act, the rules as also the bye-laws and subsidiary / service rule as a
from time to time at the registred office. The same shall be open to inspection by all the members
charge at all reasonable times.
99. ¸ÀzÀ¸åÀ ¤AzÀ vÀ£Àß ¸ÀéAvÀ SÁvÉAiÀÄ ¥ÀjÃPÀëuÉ : ¨ÁåAQUÉ ªÀÄÄ£ÀÆìZ£ À É PÉÆlÄÖ ¨ÁåAQ£À PÉ®¸ÀzÀ ªÉÃ¼ÉAiÀÄ°è SÁvÉzÁg
92
DUÀ°, UÁæºÀPg À ÃÉ DUÀ° vÁªÀÅ ¨ÁåAQ£ÉÆqÀ£É ªÀiÁrgÀÄªÀ vÀªÄÀ ä ªÀåªÀºÁgÀUÀ½UÉ ¸ÀA§A¢ü¹zÀ jf¸ÀÖgÀÄUÀ¼À£ÄÀ ß, SÁvÉ ¥ÀÄ
zÁR¯É EvÁå¢UÀ¼À£ÄÀ ß ¥ÀjÃQë¸§ À ºÀÄzÀÄ. D ¸Àz¸ À ÀågÀÄ CzÀgÀ §UÉÎ n¥ÀàtÂ §gÉ¢lÄÖPÆÉ ¼ÀÄîªÀÅzÀÄ ªÀÄvÀÄÛ ¨ÁåAQUÉ ¤UÀ¢vÀ
¥ÁªÀw¹ §AiÀÄ¹zÀ ¥ÀæwUÀ¼À£ÄÀ ß ¥ÀqA É iÀÄ§ºÀÄzÀÄ.
99. INSPECTION OF PERSONAL ACCOUNTS : Any account holder or any customer may ins
of the registers, ledgers, records, etc., relating to his own business transaction during working ho
prior intimation. He may make notes and obtain obtain copies on application and on paymen
prescribed fees.
100. ¸ÀzÀ¸åÀ gÀ ¥ÀnÖAiÀÄ ¥ÀæwAiÀÄ ¥ÀÆgÉÊPÉ (ªÉÄA§gïì °¸ïÖ) : ¨ÁåAPÀÄ vÀ£ßÀ ¸ÀzÀ¸ÀågÀ EA¢ÃPÀj¹zÀ ¥ÀnÖAiÀÄ£ÀÄß ªÀµð À PÉÆÌª
ºÉ¸ÀgÀÄ ªÀÄvÀÄÛ ¥ÀÆwð «¼Á¸ÀzÆ É qÀ£É vÀAiÀiÁj¹ §AiÀÄ¹zÀ ¸Àz¸ À ÀåjUÉ ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀ ±ÀÄ®ÌªÀ£ÄÀ ß ¥Àq
¥Àw
æ UÀ¼À£ÄÀ ß PÉÆqÀÄªÀ ªÀåªÀ¸ÉÜ ªÀiÁqÀvÀPÌÀ zÀÄÝ. ªÀÄÄRå PÁAiÀÄð¤ªÁðºPÀ£ÄÀ CAvÀºÀ ¥ÀæwUÀ¼À£ÄÀ ß vÀ£ßÀ ¸À», ¨ÁåAQ£À ªÀÄÄzÉ,æ ª
vÁjÃR£ÀÄß £ÀªÀÄÆ¢¹ ¤ÃqÀ§ºÀÄzÀÄ.
100. SUPPLY OF COPY MEMBERS LIST : The bank shall prepare up-to-date list of its memb
their names and addresses, once in a year and shall furnish a copy thereof to the members requiring t
on payment of such fees as may be prescribed by the board. The chief executive may issue copies of
under his signature and bank's seal, indicating the date of issue.
101. G¥À«¢üUÀ¼À wzÀÄÝ¥ÀrAiÀÄ «zsÁ£À : PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ½UÉÆ¼À¥l À ÄÖ ¨ÁåAQ£À G¥À«¢üUÀ¼À£ÄÀ ß ¸ÁªÀiÁ£Àå
¸À¨sÉAiÀÄ°è ºÁdjzÀÝ ¸Àz¸ À ÀågÀ ¥ÉÊQ PÀ¤µÀÖ ªÀÄÆgÀ£AÉ iÀÄ JgÀqÀgÀµÄÀ Ö ¸Àz¸ À ÀågÀÄ ªÀÄvÀ ¤Ãr CAVÃPÀj¹zÀ ¤tðAiÀÄzÀ ªÀÄÆ®P
ªÀiÁqÀ§ºÀÄzÀÄ. DzÀgÉ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ £ÉÆÃn¸À£ÄÀ ß, G¥À«¢üAiÀÄ ¸ÀASÉå, ºÁ° EgÀÄªÀ G¥À«¢üAiÀÄ ¥ÁoÀ,
wzÀÄÝ¥ÀrAiÀÄ ¥ÁoÀ ªÀÄvÀÄÛ wzÀÄÝ¥ÀrUÉ PÁgÀtUÀ¼À ¸À»vÀ ¥Àw æ AiÉÆ§â ¸Àz¸ À Àå¤UÉ ¸ÁªÀiÁ£Àå ¸À¨sÉAiÀÄ ºÀ¢£ÉÊzÀÄ ¢£ÀUÀ¼À ªÀÄÄ
PÉÆnÖgv À ÀPÌÀ zÀÄÝ. G¥À«¢üU¼À À wzÀÄÝ¥r
À UÀ¼ÀÄ jf¸ÁÖçgÀ¤AzÀ £ÉÆÃAzÀtÂAiÀiÁzÀ ¢£À¢AzÀ eÁjAiÀÄ°è §gÀvPÀ ÀÌzÀÄÝ.
101. MANNER OF AMENDING BYE-LAWS :
Subject to the provisions of the Act and the rules, the bye-laws may be amended through a resolution
by a majority of at least 2/3rd of the members present and voting at a general meeting.
provided that, the notice of the general meeting along with the amendment proposals indicating the
no, text of the existing byelaw, text of the proposed amendment and the reasons therefor has been
every member atleast 15 days prior to the date of the meeting. Such amendments shall come into for
the date of registration by the Registrar.
102. gÀºÀ¸åÀ UÀ¼À£ÀÄß PÁ¥ÁqÀÄªÀÅzÀÄ : ªÀÄAqÀ°AiÀÄ ¥Àw æ AiÉÆ§â ¸Àz¸ À Àå£ÀÆ ªÀÄvÀÄÛ ¨ÁåAQ£À ¥Àw æ AiÉÆ§â £ËPÀg£ À ÀÆ PÀvð À ªÀåPÉÌ ºÁ
ªÉÆzÀ®Ä ªÀÄAqÀ°AiÀÄÄ ¤UÀ¢¥Àr¹zÀ £ÀªÄÀ Æ£ÉAiÀÄ°è ¸Àz¸ À ÀågÉÆqÀ£É ªÀÄvÀÄÛ UÁæºÀPg À Æ
É qÀ£É ªÀåªÀºj À ¸ÀÄªÀÅzÀ£ÄÀ ß ªÀÄvÀÄÛ ¸ÀA
J¯Áè «µÀAiÀÄUÀ¼À£ÄÀ ß UÉÆÃ¥ÀåªÁVqÀÄªÉ£A É zÀÄ WÉÆÃµÀuÁ ¥Àvæª À £À ÀÄß PÉÆqÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ PÀvð
À ªÀå ¤ªÀðºÀuÉ ¸ÀªÄÀ AiÀÄzÀ°è w
§gÀÄªÀAvÀºÀ «µÀAiÀÄUÀ¼À£ÀÄß w½¸ÀvPÀ ÀÌzÀÝ®è. ªÀÄAqÀ°AiÀÄÄ CxÀªÁ EvÀgÉ C¢üPÁgÀªÀÅ¼ÀîªÀgÀÄ DeÁÕ¦¹zÁUÀ CxÀªÁ G¥
CªÀPÁ±À«zÁÝUÀ ªÀiÁvÀæ CAvÀºÀ ¸ÀzÀ¸Àå£ÀÄ ªÀÄvÀÄÛ GzÉÆåÃVAiÀÄÄ CAvÀºÀ «µÀAiÀÄªÀ£ÄÀ ß w½¸À§ºÀÄzÀÄ
102. MAINTENANCE OF SECRECY : Every member of the board and every employee of the ba
before entering upon his duties, sign a declaration in the form specified by the board pledging secre
transactions of the bank with its members or customers and all matters relating thereto and shall no
any of the matters which may come to his knowledge, in discharge of his duties, except when req
authorised to do so by the board or bye-laws of the bank or any other competent authority
93
103. ¸ÁªÀiÁ£Àå ªÀÄÄzÉæ : ¨ÁåAPÀÄ MAzÀÄ ¸ÁªÀiÁ£Àå ªÀÄÄzÉæAiÀÄ£ÀÄß ºÉÆA¢gÀvÀPÌÀ zÀÄÝ. ªÀÄÄzÉæAiÀÄ£ÀÄß ºÁQgÀÄªÀ ¥Àæw z
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À ÀÄ CxÀªÁ CªÀ¤AzÀ ¥Áæ¢üPÈÀ vÀ£ÁzÀ C¢üPÁjAiÀÄÄ gÀÄdÄ ºÁQgÀvÀPÌÀ zÀÄÝ.
ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À CxÀªÁ CªÀ¤AzÀ C¢üPÁgÀ ¥ÀqÉzÀ C¢üPÁjAiÀÄ ªÀ±ÀzÀ°ègÀvPÀ ÀÌzÀÄÝ.
103. COMMON SEAL: The bank shall have a common seal and every instrument to which it is
shall be signed by the chief executive, or an officer duly authorised by him. The seal shall be in the
of the chief exeuctive, or an officer duly authorised by him.
104. G¥À«¢üUÀ¼À°è £ÀªÀÄÆ¢¸ÀzÉÃ EgÀÄªÀ «µÀAiÀÄUÀ¼ÀÄ : G¥À«¢üUÀ¼À°è £ÀªÄÀ Æ¢¸ÀzÃÉ EgÀÄªÀ AiÀiÁªÀ «µÀAiÀÄªÀ£ÁßzÀgÀÆ
¤AiÀÄAvÀæt PÁAiÉÄÝ (JJ¹J¸ï), ¸ÀºPÀ ÁgÀ ¸ÀAWÀUÀ¼À PÁAiÉÄÝ ªÀÄvÀÄÛ ¤AiÀÄªÀÄUÀ½UÉ ªÀÄvÀÄÛ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï PÁ
eÁj ªÀiÁqÀÄªÀ ¸ÀÆZÀ£ÉUÀ½UÉ C£ÀÄUÀÄtªÁV wÃªÀiÁð¤¸ÀvPÀ ÀÌzÀÄÝ.
104. MATTERS NOT PROVIDED FOR IN THE BYE-LAWS : All matters not provided-for in
laws shall be decided according to the provisions of the Act, rules and banking regulation Act, 1949,
and the instructions issued by Reserve Bank of India from time to time.
105. EvÀgÉÃ ¸ÀºÀPÁgÀ ¸ÀA¸ÉÜUÀ¼À°è ¸ÀzÀ¸ÀåvÀé : ¨ÁåAPÀÄ F PÉ¼ÀPÀAqÀ ¸ÀºÀPÁgÀ ¸ÀA¸ÉÜUÀ¼À°è ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß ¥ÀqÉAiÀÄ§ºÀÄzÀÄ.
(1) PÀ£ÁðlPÀ gÁdå ¸ÀºPÀ ÁgÀ ¥ÀlÖt ¨ÁåAPÀÄUÀ¼À ªÀÄºÁªÀÄAqÀ¼À ¤AiÀÄ«ÄvÀ, ¨ÉAUÀ¼ÀÆgÀÄ
(2) PÀ£ÁðlPÀ gÁdå ¸ÀºPÀ ÁgÀ ªÀÄºÁªÀÄAqÀ¼À ¤AiÀÄ«ÄvÀ, ¨ÉAUÀ¼ÀÆgÀÄ
(3) ¥ÀlÖt ¸ÀºPÀ ÁgÀ ¨ÁåAPÀÄUÀ¼À ªÀÄvÀÄÛ ¥Àw À Û£À ¸ÀºPÀ ÁgÀ ¸ÀAWÀU¼ À À gÁ¶ÖçÃAiÀÄ ªÀÄºÁªÀÄAqÀ¼À ¤AiÀÄ«ÄvÀ, ºÉÆ¸À¢°è
(4) ¸ÀA§AzsÀ¥ÀlÖ f¯ÉèAiÀÄ f¯Áè ¸ÀºPÀ ÁgÀ PÉÃAzÀæ ¨ÁåAPï ¤AiÀÄ«ÄvÀ
(5) PÀ£ÁðlPÀ gÁdå ¸ÀºPÀ ÁgÀ C¥ÉPïì ¨ÁåAPï ¤AiÀÄ«ÄvÀ, ¨ÉAUÀ¼ÀÆgÀÄ
(6) ¸ÀA§AzsÀ¥ÀlÖ f¯ÉèAiÀÄ f¯Áè ¸ÀºPÀ ÁgÀ AiÀÄÆ¤AiÀÄ£ï
(7) ¨ÁåAQAUï ªÀÄvÀÄÛ ¸ÀºPÀ ÁgÀ ²PÀëtPÉÌ C£ÀÄPÀÆ®PÀgÀªÁzÀ GzÉÝÃ±ÀªÀÅ¼Àî EvÀgÀ ¸ÀA¸ÉÜU¼ À ÀÄ
105. MEMBERSHIP IN OTHER COOPERATIVE INSTITUTIONS :
(a) Karnataka State Urban Co-operarive Bank's Federation Ltd., Bangalore
(b) Karnataka State Co-operative Federation Ltd., Bangalore.
(c) National Federation of Urban Co-operative Banks and Credit Societies, New Delhi.
(d) District Central Co-ooperative Bank of the district concerned.
(e) Karnataka State Co-operative Apex Bank Ltd., Bangalore.
(f) District Co-operative Union Ltd., of the district concerned.
(g) Such other institutions whose object is conducive to banking and co-operative education.
106. G¥À«¢üUÀ¼À ¥ÀæPÁgÀ £ÉÆÃnÃ¸ÀÄ : µÉÃgÀÄzÁgÀgÄÀ , oÉÃªÀtÂzÁgÀgÄÀ ªÀÄvÀÄÛ EvÀgÀ UÁæºÀPg À ÄÀ ¨ÁåAQUÉ PÉÆnÖgÄÀ ªÀ CªÀg
¨ÁåAPÀÄ ªÀÄÄ£ÀÆìZ£ À É ªÀÄvÀÄÛ EvÀgÉ J¯Áè ¸ÀÆZÀ£Á¥ÀvæU À ¼
À À£ÄÀ ß CAZÉ, PÉÆjAiÀÄgï, F ªÉÄÊ¯ï ªÀÄvÀÄÛ EvÀgÀ ¸ÀA¥ÀPð À
ªÀÄÆ®PÀ PÀ¼ÀÄ»¹zÀÝgÉ ªÀÄvÀÄÛ ºÁUÉ PÀ¼ÀÄ»¹zÀÝPÌÉ zÁR¯ÉUÀ¼ÀÄ EzÀÝgÉ, CAvÀºÀ ¥ÀvæU À ¼
À ÀÄ vÀ®Ä¦ªÉ JAzÀÄ ¨sÁ«¸ÀvPÀ ÀÌzÀÄÝ.
¸Àz¸À Àå£À «¼Á¸Àz°À è §zÀ¯ÁªÀuÉ K£ÁzÀgÀÆ EzÀÝ°è, CAvÀºÀ ¸ÀzÀ¸Àå£ÀÄ §zÀ¯ÁªÀuÉAiÀiÁzÀ ¢£À¢AzÀ ºÀ¢£ÉÊzÀÄ ¢£ÀU
¨ÁåAQUÉ °TvÀz° À è w½¸ÀÄªÀÅzÀÄ CªÀ£À DzÀå PÀvÀðªÀåªÁVgÀÄvÀÛzÉ.
106. NOTICE UNDER THE BYE-LAWS : All notices of meetings and all other notices shall be de
have been received if delivered through post, couriers, email, and other modes of communication
address given by the share holders, depositors and other customers and if there are documents to pr
the communication has been sent. It is the primary duty of every member to keep the bank info
writing of change of his address if any within fitfteen days from the date of such change.
94
107. ¨ÁåAQ£À C¢üPÁjUÀ¼ÀÄ ¸ÀzÀ¸åÀ gÀ D¹ÛAiÀÄ£ÀÄß PÉÆ¼Àî®Ä ¤µÉÃzsÀ : ¨ÁåAQUÉ §gÀ¨ÉÃPÁzÀ ¨ÁQ ªÀ¸ÀÆ°UÁV ¸ÀÄ¹
AiÀiÁªÀÅzÁzÀgÀÆ D¹ÛAiÀÄ£ÀÄß «PÀæAiÀÄPÉÌ vÀAzÀ°è ¨ÁåAQ£À ¤zÉÃð±ÀPg
À ÄÀ , AiÀiÁªÀ C¢üPÁj CxÀªÁ GzÉÆåÃVAiÉÄÃ DUÀ° ¥
CxÀªÁ ¥ÀgÉÆÃPÀëªÁV CAvÀºÀ D¹ÛAiÀÄ£ÀÄß PÉÆ¼ÀîvÀPÌÀ zÀÝ®è.
107. PROHIBITION IN PURCHASE OF MEMBERS' PROPERTY BY THE OFFICERS O
BANK : No director, officer or employee of the bank shall purchase directly or indirectly any proper
defaulting members brought for sale for recovery of dues to the bank.
108. ¨ÁåAQ£À CªÀÄÆ®å zÁR¯ÉUÀ¼À ¸ÀAgÀPÀëuÁ «zsÁ£À : ªÀÄAqÀ°AiÀÄÄ ¤zsð À j¹zÀAvÉ vÀÄvÀÄð ¥Àj¹ÜwAiÀÄ°è
C©ügPÀ ÉëAiÀÄ°ègÄÀ ªÀ AiÀiÁªÀÅzÉÃ ©ÃUÀzPÀ ÉÊ M¼ÀUÉÆAqÀÄ ¸ÀévÀÄÛ, zÁ¸ÁÛªÉÃdÄUÀ¼ÀÄ, DzsÁgÀ ¥ÀvæU À ¼
À ÀÄ EªÀÅUÀ¼À£ÄÀ ß ¸ÀPÁðgÀz
CxÀªÁ ¸ÉÖÃmï ¨ÁåAPï D¥sï EArAiÀiÁ ªÀÄvÀÄÛ CzÀgÀ ¥ÀÆgÀPÀ ¨ÁåAPÀÄUÀ¼ÀÄ CxÀªÁ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAP
AiÀiÁªÀÅzÉÃ EvÀgÀ ¨ÁåAQ£À C©ügPÀ ÉëAiÀÄ°è EqÀvPÀ ÀÌzÀÄÝ.
108. PROTECTION OF BANK'S VALUABLES: Incase of emergency, any property, doc
securities including keys in the custody of the bank shall be kept in the custody of Government Tre
State Bank of India and its subsidiaries or Reserve Bank of India or any other bank as may be decide
board.
109. PÁAiÉÄÝ, ¤AiÀÄªÀÄUÀ¼À ªÀÄvÀÄÛ G¥À«¢üUÀ¼À ªÁåSÁå£À :
PÁAiÉÄÝAiÀÄ, ¤AiÀÄªÀÄUÀ¼À CxÀªÁ G¥À«¢üUÀ¼À AiÀiÁªÀÅzÉÃ G¥À§AzsÀzÀ CxÀð«ªÀgu À É CxÀªÁ CxÉÊð¸ÀÄ«PÉUÉ ¸ÀA§A
AiÀiÁªÀÅzÉÃ ¸ÀAzÉÃºÀ CxÀªÁ ¸ÀA±ÀAiÀÄ GAmÁzÀ°è, CzÀ£ÄÀ ß ªÀÄAqÀ°AiÀÄÄ jf¸ÁÖçgÀ£À ¸À®ºÉ ªÀÄvÀÄÛ
C©ü¥ÁæAiÀÄPÁÌV PÀ¼ÀÄ»¸ÀvÀPÀÌzÀÄÝ ªÀÄvÀÄÛ CªÀ£À C©ü¥ÁæAiÀÄzÀAvÉ ªÀwð¸ÀvPÀ ÀÌzÀÄÝ. jf¸ÁÖçgÀ£À C©ü¥ÁæAiÀÄªÀÅ CAwªÀÄ JAzÀÄ
¥ÀjUÀtÂ¸ÀvPÀ ÀÌzÀÄÝ ªÀÄvÀÄÛ ¸ÀA§Azs¥
À ÀlÖªÀjUÉ §AzsPÀ ÀªÁVgÀvPÀ ÀÌzÀÄÝ.
109. INTERPRETATION OF THE ACT, THE RULES AND THE BYE-LAWS :
Should any doubt arise as to the construction or interpretation of any of the provisions of the Act, the
the bye-laws, the board shall refer to the Registrar for his advice and opinion and act according to his
The opinion of the Registrar shall be final and binding on all the concerned.
Note: If a member secures a membership by a false declaration, the same shall be
terminated on the basis of the documentary proof in this regard, besides initiating
criminal/civil proceedings against such a person.
95

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............................................. ¸ËºÀzÀð ¸ÀºÀPÁgÀ ¨ÁåAPï ¤., ...................................................

…………………..Bye Laws of ………………….. souharda cooperative Bank Ltd.

F GzÉÝÃ±ÀPÁÌV ±À¨ÁÝxÀðUÀ¼ÀÄ CxÀªÁ ¥Àj¨ÁµÉUÀ¼À£ÀÄß C£ÀÄ§AzsÀUÀ¼À°è ¤ÃqÀ¯ÁVzÉ.

 PÁ¬ÄzÉAiÀÄ PÀ®A 2gÀ°è£À ¥Àj¨sÁµÉUÀ¼ÀÄ-C£ÀÄ§AzsÀ 1

Establishment expenditure means all expenses on salary, dearness and other

10. Eligibility Conditions For Admission Of Members :

¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß ¤gÁPÀj¹zÀ°è CfðzÁgÀgÀÄ ¥ÁªÀw¹gÀÄªÀ Cfð ±ÀÄ®ÌªÀ£ÀÄß ºÉÆgÀvÀÄ¥Àr¹ J¯Áè ºÀtªÀ£ÀÆß

CfðAiÀÄ£ÀÄß ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ¤UÉ GzÉÝÃ²¹gÀ ¨ÉÃPÀÄ.

CfðzÁgÀ£ÀÄ CfðAiÀÄ°è PÉÃ¼À¯ÁVgÀÄªÀ ªÀiÁ»wUÀ¼À£ÀÆß CAzÀgÉ ªÀÈwÛ¥ÀgÀ «zÁåºÀðvÉUÀ¼ÀÄ,(EzÀÝ°è),

DqÀ½vÀ ªÀÄAqÀ°AiÀÄÄ, CAvÀºÀ CfðUÀ¼À£ÀÄß ¸ÁªÀiÁ£ÀåªÁV JgÀqÀÄwAUÀ¼ÀÄUÀ¼À M¼ÀUÉ ¥ÀjUÀtÂ¹ ªÀÄAdÆgÁzÀ

ªÀÄAdÆgÁw ¥ÀqÉzÀ £ÀAvÀgÀ ¸ÀzÀ¸ÀåvÀéªÀ£ÀÄß JgÀqÀÄ wAUÀ¼ÀÄUÀ¼À M¼ÀUÉ ¥ÀqÉAiÀÄ¢gÀÄªÀ CfðzÁgÀgÀÄ,

11.APPLICATION FOR MEMBERSHIP :

ºÉZÀÄÑªÀj µÉÃgÀÄUÀ¼À£ÀÄß »AwgÀÄV¸ÀÄªÀÅzÀÄ

M§â ¸ÀzÀ¸Àå£À ¸ÀzÀ¸ÀåvÀéªÀÅ F PÉ¼ÀPÀAqÀ ¸ÀAzÀ¨ð

¸ÀzÀ¸Àå£ÀÄ F PÉ¼ÀPÀAqÀ AiÀiÁªÀÅzÉÃ PÁgÀtUÀ½AzÀ ¨ÁåAPï UÉ £ÀµÀÖ GAlÄªÀiÁrzÀÝ°è:

1. ¸ÀzÀ¸Àå£ÀÄ vÁ£ÀÄ ¥ÀqÉzÀ ¸Á®ªÀ£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀÄªÀ°è KPÀPÁ® ¸Á®ªÀÄgÀÄ¥ÁªÀw ¸Ë®¨sÀåªÀ£ÀÄß

¸ÀzÀ¸Àå£ÁV ªÀÄÄAzÀÄªÀgÉAiÀÄ®Ä C£ÀºÀðvÉUÀ¼ÀÄ

(1) µÉÃgÀÄUÀ¼À£ÀÄß ªÁ¥Á¸ÀÄ ¥ÀqÉAiÀÄÄªÀÅzÀÄ/ ¤ÃqÀÄªÀÅzÀÄ :

o AiÀiÁªÀÅzÉÃ ¸ÀzÀ¸Àå£ÀÄ gÁfÃ£ÁªÉÄ CxÀªÁ ªÀÄgÀtzÀ PÁgÀt¢AzÀ µÉÃgÀÄUÀ¼À£ÀÄß »AzÀÄgÀÄV

- he / it shall cease to be the member of the bank forthwith.

18 J. µÉÃgÀÄUÀ¼À ¨É¯É ¤zsÀðj¸ÀÄªÀÅzÀÄ

24. ¸ÀzÀ¸åÀ jUÉ UÀÄgÀÄw£À PÁqÀð£ÀÄß ¤ÃqÀÄªÀÅzÀÄ :

UÀÄgÀÄw£À PÁqïð £À°è F PÉ¼ÀPÀAqÀ «ªÀgÀUÀ¼À£ÀÄß ¤ÃrgÀ¨ÉÃPÀÄ

ºÉ¸ÀgÀÄ, ªÀAiÀÄ¸ÀÄì, °AUÀ, ªÀUÀð(¥Àj²µÀÖ ªÀUÀð/eÁw, »AzÀÄ½zÀªÀUÀð), «¼Á¸À, ¨sÁªÀavÀæ

47. ELECTION OF THE DIRECTORS OF THE BOARD :

49.Oath by newly elected Directors

50. ªÀÄAqÀ°AiÀÄ ¸À¨U sÉ À¼ÀÄ :

(6) ¸ÁªÀiÁ£ÀåªÁV CeÉAqÁzÀ°è £ÀªÄÀ Æ¢¹gÀÄªÀ «µÀAiÀÄUÀ¼À£Àß®èzÉÃ ¨ÉÃgÁªÀ «µÀAiÀÄªÀ£ÀÄß

¤zÉÃð±ÀPÀgÀÄ ¸À¨sÉUÀ½UÉ ºÁdgÁzÁUÀ CxÀªÁ ¤zÉÃð±ÀPÀgÁV ¨ÁåAQ£À AiÀiÁªÀÅzÉÃ PÉ®¸ÀUÀ¼À£ÀÄß ¤ªÀð»¹zÁUÀ,

o ¥Àæw ¤zÉÃð±ÀPÀjUÉ ¤ÃqÀÄªÀ ªÀåQÛUÀvÀ ªÁ¶ðPÀ «Äw ±ÉÃ. 0.005

However, the cumulative value of all types of Allowances,facilities,remunerations

 Individual limit for every Director – 0.005% p.a

DqÀ½vÀ ªÀÄAqÀ½AiÀÄ PÀvÀðªÀåUÀ¼ÀÄ:

Duties of the Board of Directors

G¥À¸À«ÄwUÀ¼À C¢üPÁgÀUÀ¼ÀÄ ªÀÄvÀÄÛ PÀvÀðªÀåUÀ¼ÀÄ

Powers of the Sub Committees

63. ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀPÀ£À PÀvÀðªÀåUÀ¼ÀÄ ªÀÄvÀÄÛ C¢üPÁgÀUÀ¼ÄÀ :

ªÀÄÄRåPÁAiÀÄð¤ªÁðºÀP£ À À ªÉÄÃ¯É ºÉÆj¹gÀÄªÀ ºÉÆuÉUÁjPÉUÀ¼ÀÄ ºÉZÀÄÑJAzÀÄ PÀAqÀÄ§AzÀ°è. DqÀ½vÀ ªÀÄAqÀ°AiÀÄ

63. FUNCTIONS AND POWERS OF THE CHIEF EXECUTIVE :

Each page of the Minutes Book shall be consecutively numbered.

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