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Pass GDCA — Complete Set (All 6 Papers), English e-book — All six volumes for the GDC&A diploma and the CHM certificate: 1,793 pages, past papers 2019–2026 with worked answers and pointers
The cover
One volume for each of the six papers of the Government Diploma in Co-operation and Accountancy, 1,793 pages in all: Management of Co-operative Housing Societies, Accounts, Auditing, History, Principles and Management in Co-operation, Co-operative Laws and Other Laws, and Co-operative Banking and Credit Societies. Papers I to III are also the three papers of the Certificate in Co-operative Housing Management. Every volume is built from a count of every GDCA paper from 2019 to 2026, and explains the 40 per cent per-paper pass rule. The law is stated as on 1 October 2026.
Launch price until 31 December 2026 — ₹3,499 from the next day.
Each one is answered in two lines here, and in full — with the provision and the mission that teaches it — inside.
Forty per cent in each paper, with an aggregate of 240 of 600; because 240 is six times forty, the per-paper line is the real one. Fail the examination as a whole but score 50 per cent or more in a paper, and that paper is exempted next time, but only if you claim it in the application form, every year.
Regulation 2012 cl. 12 · Board notice 2015Inside: ¶0.013 · ¶1.902
Any graduate of a recognised university, in any subject; or a permanent employee of Government, a co-operative institution or an APMC with the S.S.C. and five years' service (the Board's 2015 notice also lists the H.S.C. with three years). The 2012 regulation and the 2015 notice differ, so read the eligibility clause of the notification for your own sitting.
Regulation 2012 cl. 2 · Board notice 2015Inside: ¶0.011
In six of the seven sittings the objective block (full forms, blanks, match the pairs) and the short-note block carried exactly fifty marks together, and forty in the seventh. That is where the exemption lives, so the book drills them before everything else: Missions 1.2, 1.3, 1.4 and 1.17.
Inside: ¶1.907 · ¶1.908
s.35(1): a resolution of not less than three-fourths of the members entitled to vote who are present at a general meeting held for the purpose, for acts detrimental to the interest or proper working of the society. Both provisos carry marks: a chance for the member to state his case, and the Registrar's approval. Grounds: Rule 28 and bye-law 48. Procedure: Rule 29. Bar on re-admission: s.35(2).
s.35 · Rules 28, 29 · bye-law 48Inside: Mission 1.5 · ¶1.924
s.154B-13, not s.30 (which s.154B(2) disapplies), though the 2026 match set keys the pair as "s.30 and s.154B-13", so cite both in an objective answer. Transfer on a testamentary document, succession certificate, legal heirship certificate or family arrangement, or to the nominee, who is admitted a provisional member until the heir is admitted. Say that nomination does not transfer ownership: the Note to bye-law 33 makes the nominee a trustee.
s.154B-13 · Rule 25 · bye-laws 31–34Inside: Mission 1.5 · ¶1.925
Name three sources in the first line: s.79 of the Act, Rule 65(1) of the Rules and bye-laws 140 to 142. Rule 65(1) is eleven items; bye-law 140 is sixteen and is the list the examiner works from. The verb is enlist, so it is graded by counting: a numbered list, one line an item, no connecting prose.
s.79 · Rule 65(1) · bye-laws 140–142Inside: Mission 1.8 · ¶1.932
s.81(1)(a): accounts audited at least once in each financial year, completed within four months of year-end, by an auditor from the panel prepared by the Registrar and approved by the State Government, appointed by the general body under s.75(2A); the report is laid before the annual general body meeting. Add s.81(1)(c), the twenty-society cap, s.81(2), the auditor's powers under s.81(3) and (4), and the report under s.81(5B).
s.81 · s.75(2A)Inside: Mission 1.11 · ¶1.937
In seven sittings the first question has been the same question, down to the shape of the sentence: thirty marks, first and compulsory. What moves is the name, the date, the size and the trap. Totals have run from Rs 1,97,001 to Rs 20,79,500 and the size means nothing, so the evening before is for drawing the formats, not for learning a new topic.
Inside: Mission 2.13 · ¶2.911
Six steps, in this order: find an old provision on the credit side; find bad debts on the debit side; find a further write-off in the adjustments; take the write-off out of debtors; apply the rate to what is left; then run the formula. Charge to Profit and Loss = new provision required + bad debts written off during the year − old provision brought forward. Only the net charge goes to Profit and Loss; only the new provision is deducted from debtors.
Inside: Mission 2.5 · ¶2.942–2.943
Question 1 is compulsory at 20 marks: true or false with explanation, and the reason is the mark. Questions 2 to 8 are seven questions of 16 marks each, of which you answer any five. The book gives the eighteen Question 1 propositions with their reasons, and the inverted pair to learn first.
Inside: ¶3.904 · ¶3.957
Nine figures cover the question: four months, twenty societies, one month and before the AGM notice, fifteen days, three months, six months, five years, five thousand rupees, three consecutive years. Four months is s.81(1)(a); one month, s.81(5B); fifteen days, the specific report, then the First Information Report on the Registrar's written permission.
s.81 · s.82(4) · Rule 69(9)Inside: Mission 3.4 · ¶3.919–3.921
Under s.82(1), within three months of the audit report the society explains the defects to the Registrar, rectifies, reports the action taken and places that report before the next general body meeting. Under s.82(2) the Registrar scrutinises and informs the society within six months of receipt. Under s.82(3) the auditor gives itemwise remarks until rectification is complete. Rule 73 sends the report in Form O.
s.82 · Rule 73 · Form OInside: Mission 3.4 · ¶3.921
Overdues; cash, securities and the valuation of assets and liabilities; whether secured loans are properly secured and their terms not prejudicial; book-entry transactions; loans shown as deposits; personal expenses charged to revenue; expenditure in furtherance of objects; use made of Government or institutional assistance; performance of objects and obligations to members. Only the second is an audit of arithmetic.
s.81(2)Inside: Mission 3.9 · ¶3.922
The committees are seven, and seven is the whole of it. A ten-mark question wants eight to ten recommendations in heads, a sentence each; a short note wants year, chairman, remit, four recommendations and outcome. Maclagan, 1914: the three-tier structure. The All India Rural Credit Survey Committee, Dr A. D. Gorwala, appointed 1951, reported 1954: co-operation had failed but must succeed; State partnership.
Inside: Mission 4.9 · ¶4.932–4.934
The paper asks about principles under three names, and they are not three names for one thing: the seven re-assessed principles (2019 Q1 at twenty marks; 2025 and 2026 at ten), the Rochdale principles (once, in 2021) and the basic principles (2022 at twenty, 2024 at ten). Say which list you are answering from before you write a word.
Inside: Mission 4.7 · ¶4.939
Five steps: identify the issue in one sentence; find the provision and state what it requires; test for natural justice (was notice given, was a hearing given, were reasons recorded, and which failed); name the forum, and say so where the facts put a party in the wrong court; state the remedy with its time limit. A 2026-pattern paper forces at least three case parts, twenty-one marks, into every script.
Inside: Mission 5.2 · ¶5.951
Seven marks in every sitting, fifteen in 2024. Ten heads: central registration for multi-State societies; the Central Registrar (s.4); registration (s.7); bye-laws; board and supersession (s.123); audit (s.73); inspection (s.79); disputes by arbitration (s.84(4)); winding up (ss.89, 90); appeals (s.99). Close on the 2023 amendments: Act 11 of 2023, assent 3 August 2023.
MSCS Act 2002 · Act 11 of 2023Inside: Mission 5.7 · ¶5.945
The most reliable fifteen marks in Paper VI, set in 2019, 2022, 2025 and 2026. Seven headings, each with its section of the RBI Act, 1934: note issue; banker to the Government; bankers' bank and lender of last resort; custodian of foreign exchange (cite s.40 for the duty and FEMA for the law); controller of credit; supervision; development. Close in your own sentence: the seven are one function, keeping confidence in the rupee and in the institutions that hold it.
RBI Act 1934 · ss.17–25, 33, 34, 40, 42, 54Inside: Mission 6.6 · ¶6.944
Established under the NABARD Act, 1981, in existence from 12 July 1982, head office Mumbai, on the recommendation of CRAFICARD. Six objectives, then four groups of functions: refinance (ss.21–25, 27); development (s.38 and the Rural Infrastructure Development Fund); supervision of State and district central co-operative banks and RRBs (s.35(6) of the BR Act as modified by s.56); and the Kisan Credit Card. Wholly Government-owned since 26 February 2019.
NABARD Act 1981Inside: Mission 6.8 · ¶6.950
Paragraphs as they are printed in the volumes, each with the authority it rests on. This is the style of every page.
That is a taste. The full set has every mission, every past paper and the worked answers behind it.
Every figure is the figure you pay — nothing is added at checkout.
Introductory price (Edition 1) until 31 Dec 2026; the regular price applies from 1 Jan 2027
These are launch prices, held until 31 December 2026. From the next day the standing prices apply.
All six volumes: I Management of Co-operative Housing Societies, II Accounts, III Auditing, IV History, Principles and Management in Co-operation, V Co-operative Laws and Other Laws, VI Co-operative Banking and Credit Societies. Papers I to III also make up the Certificate in Co-operative Housing Management.
Every volume is complete for its own paper: front matter; Part Zero (the examination, the 40 per cent pass rule, how the book works, a study plan, the exam hall); a fifty-mark cheat sheet and a chapter on revising with an AI; the campaign of missions built from a frequency map of every paper 2019–2026; the past papers 2019–2026 (the latest paper worked in full, answer pointers for the earlier sittings), with a mock paper; and appendices of selected bare-Act provisions, a section finder, abbreviations, dates and a glossary.
No. The book says so on its imprint page: it is not published, endorsed, approved by or affiliated with the Board, the Commissioner for Co-operation or any other authority. The Board has published no answer key or marking scheme, so no mark figure or answer in the book is the Board's unless the book says so in terms.
The law is stated as it stood on 1 October 2026, including the Maharashtra Co-operative Societies (Amendment) Rules, 2026, which inserted Chapter XI-B for housing societies. Where a past paper was set on older law, the book prints both and tells you which to write. Fees, rates and other figures a circular can change are printed with their source and date, or left out; check them against the Board's notification for your sitting.
Payment gives you a download link on the confirmation page and by email. Your files stay in your Library at societysewa.in/library, which you open any time with your email address; the emailed link also works for 12 months. The files arrive as one ZIP: the volume PDFs and a README on how to open them.
Yes, sold separately. It is translated from the English edition; legal terms follow the Board's Marathi papers and the Marathi Act. This English edition is the original.
Yes. Corrections received are carried into the next edition, and buyers of this digital edition receive the corrected file free of charge from their SocietySeWA library at societysewa.in/library.
The licence is for the buyer's personal study: the files may not be shared, resold or posted online. Digital downloads are delivered at once, so sales are final; if a file will not open or is damaged, write to support@societysewa.in and we will re-send or fix it.
Corrections received are carried into the next edition, and buyers of this digital edition receive the corrected file free of charge from their SocietySeWA library at societysewa.in/library. Each edition states the date the law was read: law as on 1 October 2026. Figures a circular can change, such as fees, rates and thresholds, are printed with their source and date, or left out; check them against the current circular and the Board's notification for your own sitting.
The Maharashtra Co-operative Societies Act, the Rules, the bye-laws and the Board's past papers are public. What you pay for is the work of reading all of it against the papers: a frequency map of every GDCA paper from 2019 to 2026, the missions built from it, the past papers with worked answers and pointers, the cheat sheets. The Board has published no answer key, marking scheme or weighting, so every mark figure in the book is the Board's printed figure or the authors' own count, and says which. Seven sittings show a tendency, not a promise: each campaign prints its worst year as well as its average. The book does not guarantee a pass, is not endorsed by the Board, and is not legal advice.
This is an examination guide. It states the law as it stood on 1 October 2026 and does not apply it to anyone's facts. For a live dispute, a bye-law question or a notice you have received, take the papers to a qualified advocate.
Open your library with the address you paid with and your copy is there permanently. Or have a fresh download link emailed instead: