The cooperative ethic is unexceptionable. It has been and can be a powerful instrumentality for enfranchising the poor and the less privileged. Indeed, there are numerous instances from around the world, and from India too, of successful cooperatives. Over the past few decades, we have seen several incidents of economic growth in different parts of the world. One clear lesson of this experience is that growth is sustainable only if it is inclusive. This inclusive growth is a process where the poor contribute to growth and the poor benefit from growth. From this perspective, the cooperative system can become an effective instrumentality for inclusive growth and a powerful platform for enfranchising the less privileged. Technology has become a major factor in determining the essence of modern banking efficiency. Cooperative banks are catching up with commercial banks and RRBs in upgradation of technology. The Sangrur Central Cooperative bank lies in the heart of Sangrur City with 62 branches in different areas of the district thus being accessible to the people of the area especially villagers. It has been and can be a powerful instrument for enfranchising the poor and the less privileged.

 
  Harvinder Singh Dhillon   
Managing Director