The Green Banking for a Greener Tomorrow
EXPLORE NOW
The Sustainable agriculture is not a choice
EXPLORE NOW
Growth doesn't Come Without Hardwork
EXPLORE NOWMore than a bank — a community.
From everyday savings to agricultural credit, we provide the tools our members need to grow with confidence.
Loans & Credit
Group loans, gold loans, vehicle finance, business loans, and personal loans — designed for members across Kerala.
Explore LoansContribution Schemes
Savings, fixed deposits, recurring deposits, and our signature Doubling Scheme — save systematically with us.
Explore SavingsMembership
Join a co-operative that works for you. Get access to all schemes, vote in general body meetings, and share in our profits.
Join TodayBuilt on trust, run by members.
Every decision we make is guided by one simple principle — put the community first.
Safe & Secure
Your deposits and investments are protected by transparent governance and reserve funds.
Community Growth
Every deposit funds loans that help farmers, entrepreneurs, and families in your area.
Flexible & Simple
Choose your amounts, terms, and how you want to save or repay — with straightforward paperwork.
Personal Support
Our team helps you understand schemes, fill forms, and make the most of your membership — at any branch.
Member-Friendly Rates
As a co-operative, our profits go back to our members through dividends and better rates.
Across Kerala
20 branches across Kerala and Tamil Nadu — a network that's always close to home.
Credit for every need.
Whether you're growing crops, expanding a business, or planning for your family, we have a loan that fits.
Members Group Loan
For women entrepreneurs
For women members aged 18–58, in groups of 5–15. For income generation with credit check and group training.
Learn MoreGold Loan
Up to 13% interest
Quick, convenient, and flexible. High per-gram rate, maximum loan amount, and a secure repayment structure.
Learn MoreVehicle Loan
Up to 90% financing
₹25,000 to ₹20 lakh for new and used vehicles. Available for salaried, self-employed, and businesses.
Learn MoreContribution & Savings
Your savings, growing with the community.
Choose from four contribution schemes designed for farmers, families, and small businesses. Whether you want to save a lump sum, build a habit, or contribute a little every day — we have a scheme that fits your life.
- Savings Contribution — 6% p.a., paid quarterly
- Fixed Contribution — Simple interest, daily product basis
- Recurring Contribution — Monthly, from 1 to 5 years
- Doubling Scheme — Guaranteed doubling in 6 years
Our Branches
Rooted in every community we serve.
With 20 branches across Kerala and Tamil Nadu, there's always a Kerala Agro Society branch nearby — ready to help you grow.
Kerala
17 branches · 6 districts- Thrissur2
- Malappuram8
- Ernakulam3
- Kozhikode1
- Idukki1
- Palakkad1
Tamil Nadu
3 branches · 2 districts- Nilgiris2
- Coimbatore1
GST Registered
Goods & Services Tax Registration Certificate
Kerala Necessity Co-operative Processing Agro Society Limited is registered under the Goods and Services Tax Act, 2017, and holds a valid GSTIN issued by the Central Board of Indirect Taxes and Customs, Government of India.
GST Registration Certificate
Form GST REG-06
Issued by CBIC · Govt. of India
Official Registration
Registered under the Central Co-operative Societies Act
Kerala Necessity Co-operative Processing Agro Society Limited is officially registered as a Central Co-operative Society under Section 7 of the Central Cooperative Societies Act, 2002 (39 of 2002) and the rules framed thereunder.
Certificate of Registration
Central Co-operative Society
Sealed & Verified
What our members say.
A few words from the farmers, families, and entrepreneurs we serve.
"
The group loan helped me start a small tailoring unit. The team explained everything clearly and supported me at every step.
Smt. Sindhu M.
Member · Irinjalakuda
"
We've been members for over a decade. The interest rates are fair, and the staff genuinely care about the community.
Shri. Rajesh K.
Farmer · Thrissur
"
The Doubling Scheme gave our family a clear, secure way to save for our daughter's education. Simple and trustworthy.
Smt. Lakshmi N.
Member · Tirur
Answers before you ask.
A few quick things members often want to know.