Agricultural Co-operative Staff Training Institute

About Us

Manuals

  1. Manual of Instructions For Deposit  Accounts
  2. Manual of Instructions For NFS Advances
  3. Accounting Manual For PACS

Books

Non Performing Advances- As Applicable to State And Central Cooperative Banks

Reports

  1. Integrated Cooperative Development Projects – Amritsar and Muktsar Districts
  2. Performance Budgeting in Bank Branches
  3. Budgeting in PACSs

Case Studies

  1. Viability Analysis and Business Development Plan of The Mithra Primary Agriculture Cooperative Service Society Limited ( Jalandhar)
  2.  Viability Analysis and Business Development Plan of The Wadala Primary Agriculture Cooperative Service Society Limited ( Jalandhar)
  3. Viability Analysis and Business Development Plan of The Noormahal Primar v Agriculture Cooperative Service Society Limited ( Jalandhar)
  4. Case Study Regarding Recovery of NPAs through Outsourcing Services for Documenting Best Practice in Cooperative Banks.
  5. Case Study of Viability and Profitability of AGRO Machinery Service Centres(AMSCs) Established by Primary Agriculture Cooperative Societies in Punjab State.
  6. Case Study of Agro Serv’ice Centre by The Phooli Multipurpose Cooperative Societyin Bathinda District of Punjab.
  7. Viability of Primary Agricultural Cooperative Societies in Punjab State. 8.Case Study on the Viability viz,a viz Pay Structure of Primary Agricultural Cooperative Societies in Punjab State

Consultancy

  • To DCCBs on operational issues
  • Provided detailed project reports for financing
  • Held Annual Conference on Performance Analysis of Cooperative Banks for District Managers and Senior Managers
  • Prepared deposit policy, write off policy , risk management policy for the bank
  • Guiding MBA students for Summer training

ATM & NEFT/RTGS Charges

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1ATM ChargesAnnual ATM card charges ->1st year free ->2nd year – Rs.100/-Same Charges
2ATM Financial TxnATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.21/- per transactionSame Charges
3ATM Non-Financial TxnATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.7/- per transactionSame Charges
4New ATM card issue charges1st ATM card is freeSame Charges
5For reissue of ATM card – Rs.200/-Same Charges
6SMS ChargesRs. 15/- per QuarterSame Charges
7RTGS/NEFT chargesNo chargesNo charges

Bank Gurantee Against Deposit Charges

Interest Certificate Charges

Photo Attestation and Signature Verification Charges

Account Closer Charges Saving/RD

Cash Deposit in Current Account*

Payments under CBS other than Parent Branch

Excess Debit Entries Charges in SB Account

Saving/Current Account->Cheque Book Charges

Saving/Current Account->Minimum Balance Charges

Account Statement and Duplicate Pass Book Charges

SAFE Custody and Locker Rent Charges

Standing Instructions and STOP Payment Instructions

Issuance/Cancellation of Banker Cheque /Pay Order/DD

Cheques/ECS- Outward Inward

Collection of Outstation Cheques/Bills

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