User:Joypur/sandbox/JOYPUR SAMABAY KRISHI UNNAYAN SAMITY LTD

Highlights on activities of Joypur S.K.U.S.Ltd

1.	Agricultural Development :- i.	Issues all types of Loans to the farmers. ii. Supplies fertilizer, seeds, pesticide. iii. Procurer’s paddy. iv. Supplies agricultural instruments like Tractor, Pump set, Sprayer, Reaper Thrasher, etc. v.	Give irrigation facility to the farmers. vi. Provides insurance facility to the farmers. vii. Forms farmers Club & Joint Liability Group as per gaudiness of NABARD.

2.	Credit Business :- i.	Deposit of money in various forms is available. ii. Issues various types of Loans. iii. Payments of Loans, Govt Loan – B.S.K.P, K.V.I.B, etc through P.C.C.Bank & Pensions are available under various Govt. Programmes. iv. Gives salary to the school teachers. v.	 NEFT, RTGS, facility are available through Axis Bank. vi. All types of Loans are insured under GMRA policy of LICI. vii. SMS facility to it member & customer for every transaction. viii. All S/B Depositors Insure, Normal Death –Rs. 10000/- Accidental Rs. 50000/-.

3.	Women Development :- i.	Provides various types of Loans/ trainings to the SHG various programme with help NABARD & Co-Operation Directorate Purulia. ii. Makes proper arrangement for selling of products made by groups. iii. Members of SHGs are insured under “AAM ADMI BIMA YOJONA: of LICI. Normal Death – Rs. 30000/- & Accidental Death Rs. 75000/- iv. Many Groups of the Society participate at various Govt. Fair. v.	There are 3(three) no’s staff available at the society for guiding those SHG’s.

4.	Educational Development:- Gives scholarship to  two  children each Rs. 1200/- per year women members of SHG for higher studies. 5.	Medical Support: - Provides medical treatment to the members, SHG members & customer at free of cost.

6.	Sports & Youth Development :- Sponsors to the clubs for development of sports like football, cricket etc.

P.T.O

7.	Security of Employees :- Give financial security to the employees by ensuring PF, Gratuity, Pensions Etc support of LICI

8.	Financial Help to the share holders: - Gives 12% dividend to the share holders.

9.	Accounting: - Accounts are maintained as per Common Accounting System & fully Computerized.

10.	Position of CRAR & % of NPA: CRAR 2011-12 --- 8.47%		NPA 2011-12---	3.85% CRAR	2012-13 -- 7.52%	 	NPA 2012-13---	2.40% CRAR 2013-14 --9.8 %		NPA 2013-14	2.94%

Chairman				Secretary				Manager Joypur S.K.U.S.Ltd			    Joypur S.K.U.S.Ltd 			       Joypur S.K.U.S.Ltd