Regional Directorate, Thiruvananthapuram

Name of Regional Directorate: Thiruvananthapuram
Jurisdiction:Kerala & Lakshadweep
Address of Regional Directorate: House No: GV-2 & T.C. No.- 11/808,Nalanda Junction,Nanthencode, Kowdiyar P.O.,Thiruvananthapuram-695003
Name of Regional Director: Shri Satheesan K
Contact details:Ph: 0471-2318497, Fax: 0471-2311673, E-mail:,

Route map of directorate:
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Cooperatives in Kerala:

S. No. Category of Societies Number
1 Apex / State Level Cooperatives 17
2 Federal / Regional 4
3 District Cooperative Banks 14
4 Primary Agri. Dev Banks 79
5 Primary Agri. Credit Societies (Service Coop: Banks) 1610
6 Farmers Service Cooperative Societies 37
7 Urban Cooperative Banks 174
8 Employees Credit Cooperative Society 1117
9 Primary Housing Cooperative Societies (credit) 399
10 Consumer Cooperatives 4665
11 Marketing & Processing 616
12 Women Cooperatives 1160
13 SC Cooperative Society 730
14 ST Cooperative Society 96
15 Labour Contract Cooperative Societies 652
16 Transport Cooperatives 136
17 Hospital Cooperatives 203
18 Educational Cooperatives 134
19 Other Type of Coops ( under RCS) 3585
20 Coir Cooperatives 1001
21 Handloom Cooperatives 625
22 Dairy Cooperatives 3267
23 Industrial Cooperatives 430
24 Fisheries Cooperatives 651
Grand Total 21402

Implementation of NCDC Programmes:

Financial support by NCDC:

Up to 31.03.2019, NCDC has provided total disbursement of Rs.7938.699 crore benefitting various cooperative projects/units as follows:

S. No. Scheme/Activity Cumulative Disbursement as on 31-03-2018 (Rs. in crore)
1 Marketing & Inputs 165.494
2 ICDP in selected States 216.180
3 Sugar Factories, by-product etc. 1.560
4 Ginning & Pressing and Spinning 214.127
5 Other Processing 145.929
6 Storage 33.718
7 Consumer Cooperatives 132.635
8 Weaker Section Cooperatives 514.183
9 Service Cooperatives 6328.636
10 Assistance for Computerization 9.738
11 Prom. & Development Role 26.360
12 Others (Debt Swapping) 150.139
Grand Total 7938.699

Sector wise cumulative disbursements

Achievements during last 5 years (Up to 31.03.2019)

Year Assistance(Rs. in crore) Disbursements
Number Amount
2013-14 79 1021.82 663.22
2014-15 67 907.05 555.09
2015-16 54 386.44 280.25
2016-17 45 603.74 462.79
2017-18 54 1526.89 928.94
2018-19 20 367.54 273.62

Highlights of the programmes assisted and other relevant achievements/ issues during the last 5 years (2014-15 to 2018-19):

  • Sanctioned two new ICDPs in the Districts of Palakkad and Thrissur at a total block cost of Rs.141.95 crore.
  • Disbursed working capital loan of Rs.1982.09 crore to credit cooperatives in the State.
  • Sanctioned Rs.66.25 crore for 6 hospital projects.
  • Sanctioned 3 Integrated Fisheries Development Projects with a total investment of Rs.157.48 crore.
  • Sanctioned Rs.29.31 crore for construction of 104 office buildings and modern banking facilities to Primary Credit Cooperatives.
  • During 2017-18, NCDC has sanctioned Rs.200 crore for integrated coir development project for comprehensive revamping of coir sector, which support coconut farmers and coir workers. Project covers a value chain of the coir activities covering four key segments; i.e. (i) Coir fiber; (ii) Coir yarn; (iii) Coir products; and (iv) other Coir by-products. As on 31-3-2019, around 100 units have been set up.
  • Sanctioned Rs.100 crore to Uralungal Labour Contract Cooperative society which is actively involved in creation public infrastructures like road, bridges and buildings.
  • Sanctioned Rs.14 crore for construction of college infrastructure by two Educational Cooperative Societies.

New Initiatives in the Region during Year F.Y. 2019-20:

  • Old Age Home: RO, Thiruvananthapuram explored the possibility of good working Societies for taking up Old-age homes / Pay-homes. The societies have been given necessary guidance for formulating proposal under Direct Funding.
  • Cold-Chain: Fruits & vegetable cultivation is prevalent only in some areas/pockets of the States. After several rounds of discussions with the State Govt., Federations, good working Primary coops, regarding Cold-Chain Scheme, the State Govt. is seriously thinking of roping in some Cooperative societies for bridging the farmer-consumer gap by availing the benefit of Cold-chain scheme.
  • Encouraging societies to take up diversified activities in service sector like, healthcare, hospitality, education etc.
  • Collection of PACS data from 402 Cooperatives during 2019-20.

Initiatives for development of Aspirational Districts(identified by NITI Aayog) through Cooperatives:

Since Wayanad is the Aspirational district selected in Kerala by NITI AYOG, NCDC is focusing on these districts for promoting cooperative ventures. NCDC had earlier given financial support to cooperatives in the district under the Integrated Cooperative Development Project (ICDP) investing around Rs.3.10 crore under Phase-1 of ICDP (during Feb1988 to March 1996) and Rs.9.93 crore under Phas-2 (during Jan 2009 to March 2013). Under ICDP, almost all primary cooperatives have created their basic infrastructure, which gave a face-lift to the facilities.

Societies have been encouraged to go in for diversification in healthcare, hospitality and other service oriented activities. Accordingly, NCDC sanctioned Rs 6.24 crore for setting up a resort complex by one society viz. Wayanad District Government Contractors Co-operative Society Ltd.

NCDC Regional Awards for year 2018-19:

The State Level Selection Committee (SLSC), for NCDC Regional Award-2018, which met under the chairmanship of RCS, Kerala on 25-10-2018, has selected 8 Primary cooperatives, from 4 sectors viz. (1) Primary Credit Coops (2) Primary Women Coops (3) Service Sector Cooperatives and (4) Weaker Section Cooperatives. The award presentation ceremony was held on 21.11.2018 (Wednesday) at 3 pm in the Institute of Cooperative Management (ICM), Thiruvananthapuram.

The Hon'ble Minister for Cooperation, Shri Kadakampally Surendran has presented the NCDC-Regional Award-2018 to the Award Winning societies, in the presence of the Secretary (Cooperation), Govt. of Kerala, Smt Mini Antony, IAS, RCS, Kerala Shri S. Shanavas, IAS and NCDC General Council Member & Chairman Matsyafed, Shri P.P.Chitharanjan. More than 200 people representing different cooperatives, State Govt. Officials, and trainees of ICM have attended the function.

NCDC Regional Awards for year 2018 :

PACS Excellence:Calicut Town Service Cooperative Bank Ltd. No. 2665, Town Bank tower, A.G Road, Kozhikode Kerala.
Merit:Peringandoor Service Cooperative Bank Ltd., No: 297, Athani, Thrissur District, Kerala
Special Category(Hospital) Excellence:Cherpulassery Cooperative Hospital Ltd.No. P1288, Palakkad
Merit:EMS Memorial Cooperative Hospital & Research centre, Perinthalmanna, Malappuram
Special Category (Weaker Section ) Excellence:Uralungal Labour Contract Co-operative Society Ltd.No. 10957, Kozhikode
Merit:Narakkal-Nayarambalam Fishermen Development welfare Co-op Society Ltd.No. F(E)14/87 CZ, Narakkal, Ernakulam District
Women Cooperative Excellence:Nellimoodu Vanitha Cooperative Society Ltd.No. T 1334, Thiruvananthapuram.
Merit:Elenthikara Vanitha Cooperative Society Ltd.No. E 793, Ernakulam

Regional Award Function held on 21-1-2018 at Thiruvananthapuram

Address by the Secretary (Cooperation), GOK

Development Opportunities in the State through Cooperatives:

  • Creation of modern infrastructure facilities to Primary coops
  • Working Capital loan to Credit Cooperatives
  • Strengthening hospital cooperatives with modern healthcare infrastructures
  • Promoting cooperatives to take up projects in hospitality sector, which has good scope in Kerala.

Success Stories:

The Uralungal Labour Contract Co-operative Society Ltd.(ULCCS) Vatakara, Kozhikkode.

  • The Uralungal Labour Contract Cooperative Society (ULCC) is one of the oldest labour society in India. This cooperative was promoted and is managed exclusively by labourers.
  • It is an ISO 9001:2008 approved organization.
  • It was established in 1925 and has completed 94 years of meritorious and dedicated service in construction-related activities, with the objective to sustain livelihood of construction labourers and carved a niche of its own in development of quality civil infra-structure in the State.
  • ULCC is mainly focusing on construction of Roads Bridges and building all over Kerala. The major clients of the society include National Highway Authority of India (NHAI) for Highway projects, Kerala PWD, Ministry of Panchayat Raj (DRDA) for rural roads under PGSY scheme. ULCC has constructed Office building of RCS and infrastructures of many cooperative organizations.
  • The society has already completed over 6000 projects and currently implementing over 945 projects.
  • During 2017-18 the society has contracted work order to the tune of Rs.2700 crore.
  • It possesses several modern equipments, quarry, crusher unit brick making units, which are the vital inputs for construction purposes.
  • The society provides employment to over 12000 labourers of which direct employment given to around 9000 workers, throughout the year.
  • The society has total membership of 2104 with a paid up share capital of Rs.94.74 crore.

Financial strength of the ULCC is: Rs in Lakhs

S.No. Particulars AS-On-31/03/2015 AS-On-31/03/2016 AS-On-31/03/2017 AS-On-31/03/2018
1 Share Capitals
Members 516.58 628.96 752.08 890.30
State Govt. 2166.3 1810.4 1567.26 8583.70
Total 2682.88 2439.36 2319.34 9474.00
2 Reserves 12789.02 13351.92 14202.95 14662.02
3 Undistributed profit/Accumalate loss 62.24 82.55 90.46 220.22
Networth 15534.14 15873.83 16612.75 24356.24


S.No. Particulars AS-On-31/03/2015 AS-On-31/03/2016 AS-On-31/03/2017 AS-On-31/03/2018
1 Gross Turnover 354.580 522.090 621.040 593.270
2 Gross Expenditure 300.616 450.876 537.903 708.836
3 Net Profit 0.623 0.826 1.480 2.202

Social Activities:

  • Free medical treatment (especially cancer & kidney) of weaker sections
  • Running geriatric care centre
  • Providing Career guidance programmes for Higher Secondary students
  • Cash awards to meritorious students
  • Free Medical camp

Edasserrykadavu bridge constructed by ULCCS

For supervision of construction work and technical support, the society has employed well trained and experienced team of technical professionals.

Flyover constructed by ULCCS at Kozhikode

ULCC has constructed IT SEZ PARK, a unique venture - first of its kind- with 2.7 million sq. ft ear

Sketch of Proposed ULCCS IT Cyber Park at Kozhikode

NCDC has so far Provided financial assistance of Rs.150.70 crore to ULCC Society for establishment of two most modern Stone Crusher Units, which were successfully commissioned, and also in the form of margin money and working capital assistance to enhance its contract and construction business.

Project Year Block Cost Sanction and release Status
Stone crushing unit 2007-08 1800.00 1440.00 Completed
M-Money 2009-10 3000.00 3000.00 Completed
Machinery / equipments 2012-13 700.00 630.00 Completed
MM 2017-19 10000 10000
Total 15070.00 15070.00

Modern Stone crusher unit of ULCC

Kerala State Co-operative Federation for Fisheries Development Ltd (MATSYAFED).

MATSYAFED, the Kerala State Co-operative Federation for Fisheries Development Ltd., was registered on 19th March 1984 as an Apex Federation of primary fishermen development & welfare cooperative societies in the coastal fishery sector and set up under a two-tier structure, with the objective of ensuring the economic and social development of the fishermen community by implementing various schemes aimed at promoting the production, procurement, processing and marketing of fish and fish products. Matsyafed has: 652 Primary Cooperatives ( 337 Marine, 193 Inland & 121 Vanitha)

  • 652 Primary Cooperatives ( 337 Marine, 193 Inland & 121 Vanitha)
  • 4,56,227 Fishermen are associated with Primary Societies
  • 41,191 member participation in Auction
  • 1,80,723 SHG members are involved in Matsyafed activities
  • Availing financial supports from NCDC, NBCFDC & NMDFC
  • Running Major 10 Commercial Units, 10 Aqua Units, 10 District Offices, 30 Fish Marts, 12 Kerosene Bunks, 9 Diesel Bunks, 13 Vyasa Stores , 9 OBM Workshops (103 units)
  • Has 892 Employees ( Reg-333, Con-222, DW-200, PR-57 & Motivator-80)
  • 7 Major divisions having Division Heads, managed by GM & MD

Performance of Matsyafed

Particulars 2014-15 2015-16 2016-17 2017-18
Business Turnover 23779.75 24365.92 33257.62 39203.12
Net profit 86.63 -424.74 212.52 356.301
Net worth
a) Paid Up share capital 9315.21 9482.33 9636.27 9797.997
b) Reserves 10122.37 10969.68 11134.65 15411.53
c) Grant / subsidies 3970.89 4845.80 6630.79 4414.886
d) Undivided profit 408.90 381.31 381.31 144.077
Own Fund 23817.37 25679.11 27783.02 29768.49
e) Accu. Loss 0.00 424.74 212.22 212.223
Net worth 23817.37 25254.37 27570.80 29556.27

The mission for organizing a Cooperative set up in traditional fisheries sector was to improve the per capita income of producer fishermen and their families through intervention in Credit, Technology up-gradation, Marketing support and Capacity building and to improve their standard of living and to bring them into the main stream of the society. There are 666 Fishermen Development and Welfare Co-operative Societies in Marine, Inland and Women fisheries sector, now affiliated to Matsyafed.

From the Sea for beach level auction

A pilot project of Integrated Fisheries Development Project (IFDP) - Phase I in 1984 with financial assistance of Rs 5.50 crore from National Cooperative Development Corporation (NCDC) initiated in three districts was a great success. The 13 Integrated Fisheries Development projects that followed has been implemented in last 28 years focusing on an integrated approach for development of the traditional fisheries sector linking credit and input requirements for production to marketing activities coupled with capacity building, infrastructural development and managerial support.

The Federation/primaries intervention in beach level fish auction has reduced the influence of middlemen and offered 70% (in comparison to 30% in 1980s) of the consumer price to the fishermen. A savings system was also introduced along with the auction which was given back as the production bonus during festival season. The auction system has also streamlined the loan recovery mechanism of the primary socities.

Fresh fish sale point

The initial focus of the Federation was to look into the fishing activities and to support fishermen by providing fishing input and thereby improve their income. But it is also important to improve the income of the family so that better financial stability is gained by the fishermen family. In this context, the Federation has initiated formation of the Self Help Groups (SHGs) among fishermen family members and encouraged to start micro-enterprises. For supporting the micro-finance, Matsyafed could avail credit facilities from NBCFDC and NMDFC at 6% rate of interest per annum. Matsyafed could also provide interest free loans to fisherwomen vendors with support of the State Government. In the last seven years, Matsayfed could organise 14715 Self Help Groups with a total membership of 1,93,954 and provided loan of about Rs. 256.73 crore as micro credit.

In order to develop as a vibrant organization an effective campaign was organized in the initial years of formation of the Federation. Extensive mass contact programs and awareness programs were conducted in fishing villages and continuous interaction on one to one basis with fishermen groups were organized so that the group dynamics could be maintained and successful group activity has emerged. There is an Extension and Mass communication Division in the Federation to look after the effective capacity building process at different levels.

Commercial & Welfare activities undertaken by MATSYAFED.

  • Matsyafed has two Fish Net Factories at Cochin and Kannur with an installed capacity of 1100 Tons per annum. It has a market share of about 30% of the State requirement and focus in given to the traditional sector webbings. The factory is equipped with latest technology net making machines and processing machine which ensure the best quality fishnet to fishermen. Other fishing accessories like Ropes, Floats, Twine etc. is being traded through these units.

  • Nylon Net factory of Matsyafed

  • Matsyafed Ice and Freezing Plant having a freezing capacity of 22.5 Tons per day with a storage capacity of 600 Tons. It mainly focuses on the processing of Tuna and export different fish products to different countries. It export mostly tuna in frozen condition to different countries like Thailand, China, Iran, Turkey, France, Spain, Oman, Dubai, Tunisia, Algeria, Sri Lanka, etc. The plant has a special facility called tuna terminal to export high value tuna products to developed markets.

  • Fish Processing unit of Matsyafed

  • Matsyafed OBM Division import Out Board Motors mainly Suzuki Motors from Japan and sell it directly to fishermen through Vyasa Stores. It has about 13 workshops in different part of Kerala to take care of the repair and service of the engines. It also deals with different electronic items like Eco Sounder, VHF Radios, Insulated Boxes, Crates, etc.
  • Matsyafed Chitin and Chitosan Plant produce different grades of Chitin and Chitosan from the prawn shell waste. The plant has a capacity of 60 Tons Chitin per annum. It is already marketing anti fat formula called Chitone which is used for reduction in weight and good against Fat and Cholesterol. Matsyafed has two Fish Manure Plants at Azheekode, Thrissur District and Calicut. It has a manufacturing capacity of 10000 Tons of fish manure per annum.
  • The Commercial Division has 6 Diesel Bunks in different parts of the State and have 12 Vyasa Stores to sell fuel/ oil as well as all type of fishing equipments.
  • Hatcheries and Farms: Running four Prawn Hatcheries with production capacity of 120 million prawn/shrimp seeds at Thirumullavaram (Kollam), Kaipamangalam (Thrissur), Veliyamcode (Malappuram) and Moplabay (Kannur). Three fish farms for commercial production of fish and prawns at Njarakkal, Malippuram (Ernakulam District) and Palaikkari (Kottayam District).
  • Mini Aqua Tourism: A unique venture in the state where boating, angling, rowing and other entertainments are provided to the tourists in all farms owned by Matsyafed at Njarakal & Malippuram farms in Ernakulam district and Palaikkari in Kottayam district.
  • Public Aquarium: Matsyafed is running a Public Aquarium and Reseach Centre at Thenmala, Kollam. Another one is functioning at Kottayam in collaboration with Kottayam Municipality.
  • Fishermen Personal Accident Insurance Scheme: The scheme provides compensation of Rs.5 lakh to the dependents of fishermen who die in accidents. If the accident leads to disability, compensation is provided as the gravity of losses.
  • Matsyafed Input Security Scheme (MISS): Compensating the loss due to accidents and natural calamities sustained to the fishing implements distributed under Matsyafed schemes.
  • Vanitha Bus: Matsyafed is operating special bus service for the journey of fisherwomen vendors from the landing centres to the market places and back, at nominal rates in Trivandrum & Ernakulam Districts.

Credit Business to Processing - Success Story of Nanniyode Service Cooperative Bank Ltd.

  • The Society was registered in the year 1926.
  • The society has 13484 members with a paid up share capital 256.00 cr.
  • The society has been running in profit for quite some years and has sound financial background:
  • SN Particulars As on 31 March 2017 As on 31 March 2018
    1 Share capital 273.185 256.000
    2 Reserves 777.079 630.882
    3 Accu. Loss / Profit 18.058 32.753
    4 Net worth 1068.322 919.635
  • Apart from credit business, the society is engaged in non-credit business, such as agri input distribution, consumer business, running medical store etc. Performance details are as under:
  • SN Particulars As on 31 March 2017 As on 31 March 2018
    1 Deposits collected 4530.205 4981.146
    2 Credit Disbursed 2938.144 3511.366
    3 Total Non-credit business 4.117 135.544
    4 Net Profit 4.118 32.753
  • The society is having a community hall having seating capacity of 2000, which is provided to people in the locality for conducting social functions at concessional rates.
  • The society, which has head office and 3 branches, has been running in profit for quite a long period.

Copra Processing Unit of the Society

NCDC has sanctioned Rs.150 lakh to the Govt. of Kerala, vide letter No: NCDC:1-69/2013-P(OS)/137/SA30081 dated: 1/11/2013, for establishment of integrated Copra Processing Unit by Nanniyode Service Cooperative Bank, at total block cost of Rs.416.64 lakh. The Society has set up the unit, at Kurupuzha Villlage, Nedumangad Taluk, Thiruvananthapuram, by spending more than Rs.10 crore, as per the details below:

SN Particulars Expenditure incurred
1 Civil works 735.855
2 Oil expeller unit 106.20
3 Copra roaster with steam boiler 47.20
4 Micro filter 23.60
5 Sediment press 11.80
6 Coconut water processing plant 59
7 Oil storage tank 89.6
8 Stand by expeller 11.32
Total 1084.58

Though the unit was sanctioned with an installed capacity of 50000 nuts per day, the society has established 1 lakh nuts capacity oil complex with modern machinery. On discussions with the President and board members, it was given to understand that the unit could extract around 65% of oil from copra, though in general, the extraction level was around 62-63%.

The unit is complete in all respect and commercial operation started. Since the society is procuring coconut and converting into copra before extracting coconut oil. The extraction process has 4 layered filtration, with micro-filtering in the last. Hence the society is able to maintain the quality of oil. The society is selling the oil in locally, as the demand for the product is higher.

The unit has made direct impact on the following areas:

  • Coconut growers in the area are getting better price for their produce.
  • Consumers are getting quality coconut oil at reasonable price
  • The project is giving direct employment to more than 100 people and equal numbers indirectly.
  • The Unit has made a facelift of the society.

Social activities undertaken by the society are:

  • Operating risk fund to make good the outstanding loan of deceased member.
  • Organising farmers' club and SHGs for promoting agri activities
  • Extending scholarships to members' children on meritorious academic achievements.
  • Society is promoting farmers to go in for organic farming and procuring the organic agri. produces are sold in their outlets.
  • The society is running a public library in its premises.

Coconut Oil Complex of Nanniyode SCB assisted by NCDC

Coconut Processing Section

Conveyer for lifting Coconut to Drier

Coconut Drying Section

Oil Extraction