What types of loans does UP Sahkari Gram Vikas Bank provide?

UP SGVB provides long-term crop loans including irrigation loans (borewells, drip/sprinkler systems, canal lining), land development loans (land leveling, bunding, field channeling), farm mechanization loans (tractors, harvesters, power tillers), plantation/orchard loans (mango, guava, banana orchards with 7-10 year repayment), dairy development loans (for cow/buffalo purchase, shed construction), and fishery development loans. Loans are secured against agricultural land as mortgage. Loan tenures range from 5-25 years with quarterly or half-yearly repayment in alignment with crop harvest cycles. NABARD's concessional refinance helps keep interest rates competitive for farmer borrowers.

What is the difference between UP Sahkari Gram Vikas Bank and regular cooperative banks?

Regular cooperative banks (DCCB, PACS) primarily provide short-term crop loans for one agricultural season (6-12 months). UP SGVB provides long-term investment credit (5-25 years) for permanent agricultural infrastructure. SGVB loans are used to create assets (wells, irrigation systems, orchards) while regular cooperative loans finance operations (seed, fertilizer, pesticide). NABARD's long-term refinance flows to land development banks, while short-term refinance goes to state cooperative banks. Land development bank loans are typically larger in size per farmer (Rs. 1-20 lakh) compared to PACS crop loans (Rs. 50,000-3 lakh). Both systems are complementary in serving agricultural credit needs.

What cooperative laws are important for SGVB exam?

For UP SGVB exam, key legal topics include UP Cooperative Societies Act provisions applicable to land development banks, NABARD Act 1981 (sections on long-term refinance), Transfer of Property Act (mortgage provisions for agricultural land), and SARFAESI Act applicability to cooperative bank mortgages. Recovery of loans from defaulting farmers under various legal provisions including revenue recovery procedures is practically important. Cooperative election laws, audit requirements for land development banks, and state government guarantee provisions for NABARD refinance are also tested. Hindi-medium candidates should study these laws in Hindi commentaries available from Lucknow-based legal publishers.

What is the career scope in UP Sahkari Gram Vikas Bank?

UP SGVB offers career opportunities for candidates interested in long-term agricultural finance and rural development. Manager-level positions involve loan appraisal, field verification of agricultural projects, recovery management, and branch operations. UP SGVB has a presence in all UP districts through PCLDBs, offering postings across the state. Senior positions include Regional Manager, General Manager, and Board Director level administrative roles. The organization provides stable government-equivalent employment with provident fund, gratuity, and medical benefits. Given India's renewed focus on irrigation infrastructure and agricultural mechanization, long-term farm credit institutions like SGVB have significant developmental importance.

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100

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90 min

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100

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Exam Overview

Conducting BodyUP Sahkari Gram Vikas Bank (UP Cooperative Land Development Bank)

Exam ModeOnline (CBT)

Marking Scheme+1 for correct, -0.25 for wrong

SectionsBanking Knowledge, General Studies, Hindi Language, Cooperative Laws & Practices, Quantitative Aptitude

FrequencyAs per vacancy

Next ExamMay 2028

RegistrationFebruary 2028

EligibilityGraduation in any discipline; age 21-40 years; Hindi proficiency required

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UP Sahkari Gram Vikas Bank Manager Preparation Tips

Expert strategies to help you crack UP Sahkari Gram Vikas Bank Manager on your first attempt.

Focus on long-term agricultural credit — irrigation loans, farm mechanization, and orchard financing are UP SGVB's core products.

Study land mortgage provisions under Transfer of Property Act and SARFAESI Act applicability to cooperative banks.

Read UP Cooperative Societies Act sections applicable to land development banks and primary cooperative land development banks.

Prepare Hindi language section with focus on banking and legal terminology — all UP SGVB work is in Hindi.

Frequently Asked Questions

Common questions about UP Sahkari Gram Vikas Bank Manager exam pattern, eligibility, and preparation.

UP Sahkari Gram Vikas Bank (SGVB) is the apex cooperative land development bank of Uttar Pradesh, providing long-term agricultural loans for land development, irrigation, farm mechanization, and allied activities. Unlike the short-term crop loan system through PACS and DCCBs, land development banks provide long-term credit (5-25 years) for capital investments in agriculture. NABARD provides long-term refinance to state land development banks. UP SGVB operates through a network of primary cooperative land development banks (PCLDBs) in each district. The bank serves millions of farmers needing long-term investment loans for irrigation infrastructure, orchards, dairy farm construction, and land leveling.

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