Milma

• Kerala Co operative Milk Marketing Federation ( KCMMF ) known as Milma 

• KCMMF established on 21st April 1980 

• Headquarters of KCMMF at Thiruvananthapuram 

• Farmers prosperity through consumer satisfaction , Keralam Kanikandunarunna Nanma are the slogan of KCMMF

• KCMMF established in connection with operation flood 2 

• Kshreera Sandesham is the publication of KCMMF

• The training institute of KCMMF is at Thrissur 

• KCMMF has a 3 tier structure 

• KCMMF at the top level , Regional Co operative Milk Producers Unions (RCMPU)at the middle level and APCOS at the base level

•  KCMMF has 3 RCMPU

               1 TRCMPU
               2 ERCMPU
               3 MRCMPU 

1. TRCMPU 

• Thiruvananthapuram Regional Co operative Milk Union Limited known as TRCMPU 

• Thiruvananthapuram , Kollam , Pathanamthitta , Alappuzha districts are come under TRCMPU 

• TRCMPU registered in 1985

2. ERCMPU

• Ernakulam Regional Co operative Milk Producer's Union Known as ERCMPU 

• Ernakulam , Thrissur , Kottayam , Idukki district are its area of operation 

• ERCMPU registered on 12th September 1985

3. MRCMPU 

• Malabar Regional Co operative Milk Producer's Union Known as MRCMPU 

• Malappuram , Wayanad , Kozhikode , Kannur , Kasaragod district are its area of operation 
• MRCMPU registered on 29 June 1989 

Member of Regional Milk Producer's Union is Apcos

First Milk supply union in Kerala is Calicut Milk Supply Union

Refresh is the brand name of fruit juice Marketed by Milma

Production bonus related to dairy societies

Thirumala Vanitha Ksheera Vyavasaya Co operative Society is the first Milk society in Kerala

National Housing Bank ( NHB )

             National Housing Bank ( NHB )

• National Housing Bank is a Government of India enterprises 

• National Housing Bank is an apex financial institution for banking 

• NHB formed in 1988 July 9

• NHB set up on the basis of NHB Act 1987

• Headquarters of NHB is in New delhi 

• Housing finance related to 7th Five year plan 

• The Honorable Prime Minister of India, Rajiv Gandhi presenting the union budget on 28th February 1987 announced to establish National Housing Bank 

• National Housing Bank bill 91 of 1987 

• With the assent of the President of India R Venkataraman on 23rd December 1987 NHB ACT became the Act of Parliament 

• NHB start functioning from 9th July  1988

• Headquarters of NHB in New Delhi 

• Awas Bharati is the publication of NHB 

• " Promoting inclusive expansion with stability in housing finance market " is the vision of NHB 

• Rural Housing Interested Scheem related to NHB 

• NHB does not grant any loan directly to Individual 

• NHB is fully owned by Government of India 

                   

CO OPERATIVE MOVEMENT IN INDIA

• Co operative movement in India is a Government sponsored movement 

• Deccan Agricultural Relief Act 1879

• Land Improvement Loan Act 1883

• Agricultural Loan Act 1884

• Land Improvement Loan Act 1883 and Agricultural Loan Act 1884 together called Taccavi Loans

• During 1892 Madras Government appoint Federic Nicholson to Study the village bank in Europe 

• Father of co operative movement in India  Sir Federic Nicholson 

• Sir Federic Nicholson submitted the report in 1895

• The name of the report was" Find Reiffesen"

• The report suggested to establish co operative societies for rural credit 

• In 1901 Famine commission was established 

• In 1904 the co operative credit society  Act was passed 

• The Co operative Credit Societies Act passed on 25 March 1904

• First co operative law in India is Co operative Credit Society Act 1904

• Lord Curzon was the viceroy in 1904

 The main features of the Act 1904 were

1. The Act has 29 sections
2. Minimum number of person required to start a co operative societies were 10 person 
3. Societies were classified on Rural and Urban
4. Rural societies were to be organized on Reiffesen model 
5. Liability of the societies were Unlimited 
6. Loans provided for members, only for productive purpose
7. Urban societies were organized on Schulze Delitzsch Model 
8. Liability of urban socities were Limited 
9. Registrar was supported to be organized and control the society 
10. One man one vote was specified in this Act  
11. Non credit societies are not allowed to register as per this Act
12. No member could hold shares worth more than Rs 1000