Home Study Kerala PSC Exams Cooperative Bank Clerk/Cashier Exam

Cooperative Bank Clerk/Cashier

Recruitment to District Cooperative Banks as Clerk/Cashier is conducted by the Kerala Public Service Commission. All the 14 districts of Kerala has district cooperative bank branches in each busy towns.

Kerala PSC conducts examination for the graduates who have completed degree with Cooperation or HDC or JDC. Questions are asked from the syllabus prescribed by the Kerala Public Service commission.

Kerala PSC Clerk/Cashier Notification

Kerala PSC issued its last notification for the recruitment of Clerk/Cashier on 15/03/2014, Category-20/2014.Recruitment was held district-wise in 14 districts of Kerala. The exam was held on 19/12/2015.

The aspirants of Cooperative Bank clerk exam should be diligent now, as the Kerala cabinet has decided to move a proposal to merge state and district cooperative banks. The new bank will be known as Kerala Bank. Since, the proposal is only been drafted and not passed, students must wait for the final decision .After the merger,  Kerala PSC may issue new syllabus and rules for the recruitment. Students can start their preparation by working out the previous question papers.

Kerala PSC Clerk/Cashier Application

The aspirants of Kerala PSC Clerk/Cashier must first register themselves in the ‘ ONE TIME REGISTRATION TULASI website as per Official Kerala PSC website After registration, log into your just made profile using the id and password used during registration. Find the post you want to apply and click on ‘Apply Now’. No application fee is charged for either registration or application.

Kerala PSC Clerk/Cashier Salary

Scale of Pay mentioned in the notification of Kerala PSC ranges from Rs 9075-21,800.After the rolling of Kerala Bank, we can expect a good raise for Clerk/Cashiers.

Kerala PSC Clerk/Cashier Age limit

Candidates applying for the post of Cooperative Bank Clerk/Cashier must be above 18 yrs and below 40 yrs of age .Age relaxations will be provided to the candidates according to the rules of reservation.

Kerala PSC Age Relaxations


Age Relaxation





Kerala PSC Clerk/Cashier Educational Qualification

1)BA/BSC/B com with HDC OR JDC


ii) B com with cooperation


iii)Bsc(Cooperation and  Banking)of Kerala Agricultural University

Kerala PSC Clerk/Cashier Syllabus

 Theory and Principles of cooperation

Concept of co-operation - Definitions of co-operation. Essential nature of co-operation, Values of co-operation. Objectives of co-operation - economic, social, ethical, political. Evolution of cooperation. Pioneers of co-operative movement-Robert Owen, Raiffeisen, Schultze, Rochdale Pioneers, ICA Principles of Co-operation.

Cooperative Movement in India

Genesis of co-operative movement in India - Nicholson's report - Co-operative legislation of 1904 & 1912-background and features. Co-operative development in post independence period - All India Rural Credit Survey Committee (1954), Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (1981). Structure of co-operative movement in India- agricultural credit, non-agricultural credit, agricultural non-credit and nonagricultural non-credit. Strength and weaknesses.

Cooperative Legal System

Selected provisions of Kerala Co-operative Societies Act, 1969-Registration, amendment of byelaws, amalgamation and division. Members of co-operative societies - rights and liabilities of members. Management of societies - general body, representative general body, election to the committee, Government nominees and supersession of committee. Properties and funds of co-operative societies - disposal of net profit, Settlement of disputes - disputes to be referred to registrar and arbitration court, decision and award on disputes, communication of orders and decisions -execution of awards and decrees. Winding up and dissolution of co-operative societies ~ liquidator, powers and liquidation procedure. Special Features of Multi-state Cooperative Societies Act, 2002

Cooperative Banking In India

Organizations under short and medium term credit structure- PACS-DCB-SCB -objectives, functions, resources, lending operations. Organizations under long term credit structure - PCARDB-SCARDB- objectives, functions, resources, loan operations. Urban Co-operaiive Banks in India- objectives, functions, resources, loan operations. Employees Credit Cooperatives-objectives, functions, resources, loan operations. Role of NABARD in co-operative credit.

Agri-Business Cooperatives 

Types of agri-business co-operatives - production, processing and marketing co-operatives. Dairy co-operatives - features of APCOS, Constitution and mode of operation of APCOS, Regional Unions and Federation. Dairy co-operatives in Kerala - evolution and functioning. Processing of agricultural commodities -paddy, coconut, rubber co-operatives in Kerala. Marketing co-operatives-objectivcs and functions, structure of co-operative marketing. Role of NAFED, NCDC&NDDB  

 Co-operative Accounting

Salient features of co-operative accounting - co-operative accounting v/s. double entry and single entry accounting system. Books to be maintained by different types of co-operatives, important books commonly used in all co-operatives. Statements and returns to be furnished to the Registrar. Posting in general ledger and special ledger, reconciliation of balances of general and special ledgers. Preparation and recording of receipts and disbursement statement. Final accounts -manufacturing account, trading and profit and loss account, profit and loss appropriation account, reserves and provisions, balance sheet.       

Co-operative Audit

Stages of audit work- preparation of audit programme, audit procedures, vouching and routine checking, verification and valuation of assets and liabilities, Reserves and provisions. Audit memorandum, audit classification, audit certificate, audit fees. Agencies for co-operative audit. Co-operative auditor- rights, duties, and responsibilities


Types of Banks, Commercial Banking Systems, Functions of Commercial Banks, Credit creation by Commercial Banks, Reserve Bank of India – evolution, functions of RBI, Methods of credit control, Banker and Customer: general and special relationship between a banker and customer, negotiable instruments: different types.

Financial Management

Definition, objective and scope of Financial Management, Investment, Financing and Divident decision, Analysis and interpretation of Financial Statements, Capitalisation, Cost of Capital, Capital Structure, Working Capital Management

Marketing Management

Marketing concepts, Market segmentation, positioning, product strategies, pricing strategies, promotion, physical distribution strategies

Human resource Management

Human Resource Management; Objectives & Functions, Human resource Planning, Job Analysis, Recruitment and Selection, Training and Development, Motivation, Performance Appraisal, Compensation Administration.

To view the Clerk/Cashier notification of 2014