Description : The Kerala State Co-operative Agricultural and Rural Development Bank Ltd, (then Kerala Co-operative Central Land Mortgage Bank) established in 1956, with the avowed purpose of catering the long term agricultural credit needs of the farmers in the state; is the apex financial institution organized under federal structure, having 48 Primary Co-operative Agricultural and Rural Development Banks as its members functioning at Taluk level. The KSCARDBank has always been in the forefront of committed activities aimed at bettering the social scenario of the village community. The enactment of KSCARD Banks Act 1984 gave fillip to streamline and diversify its activities to achieve the prime objective of comprehensive agricultural and rural development as envisaged by nation builders.