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Pass GDCA — Volume VI · Paper VI: Co-operative Banking and Credit Societies, English e-book — One PDF volume for Paper VI, Co-operative Banking and Credit Societies: 359 pages, past papers 2019–2026 with worked answers and pointers
The cover
Paper VI, Co-operative Banking and Credit Societies, has no arithmetic and a great deal of repetition. This volume is the whole book for it, 359 pages in one PDF: the abbreviation drill, true or false with reasons, the credit structure, the Reserve Bank, NABARD, negotiable instruments, NPAs, DICGC and SARFAESI, built from a count of every Paper VI from 2019 to 2026. It explains the 40 per cent pass rule; the law is stated as on 1 October 2026.
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 · ¶6.903
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
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
Question 1(A) is five marks in each of the seven sittings, and across them the Board has filled thirty-six slots with twenty-one distinct abbreviations: the whole examinable universe of the block. SLR five times; CRAR and NCDC three each. The twenty-first, NUCFDC, was set for the first time in 2026; it is the company, and NAFCUB is the federation that promoted it. Expand in full, in English, on one line.
Inside: Mission 6.2 · ¶6.911, ¶6.926–6.929
The Board pays two marks when it asks for a reason and one when it does not, so a candidate who writes "False" five times has capped himself at five out of ten. And the statements repeat: the passbook in four of seven sittings; the urban bank admitting a society in three consecutive sittings; the clearing house in three; the minor's loan, the bill of exchange, the PACS tier and the Khusro Committee in two each. Two sentences and thirty words is a complete reason.
Inside: Mission 6.3 · ¶6.913, ¶6.923
PACS at village level, the District Central Co-operative Bank at district level, the Maharashtra State Co-operative Bank as the apex. Deposits move up (s.70 of the MCS Act) and credit comes down from NABARD through the apex. At one or two marks name the three tiers; at five add the two arrows. A PACS is not a bank: s.3 of the BR Act, 1949 keeps it outside the Act so long as it does not use the words bank, banker or banking and is not drawee of cheques; it holds no licence and the Registrar supervises it.
MCS Act s.70 · BR Act 1949 s.3Inside: Mission 6.4 · ¶6.935–6.936
Six five-hundred-word essays, checked against every Question 4 in the record, yield the two answers Question 4 demands in all seven sittings: the functions of the Reserve Bank; the objectives and functions of NABARD; the regional rural banks; the DCCB under objectives, functions and problems; the State Co-operative Bank under organisation, objects and functions; and non-performing assets under causes, effects and remedies.
Inside: The fifty-mark sheet · ¶6.915
Question 2 is twenty marks, four notes of fifty words, and the notes repeat: KYC in 2019, 2022 and 2023; the clearing house in 2021, 2024 and 2026; types of bank deposits in 2023 and 2026; mixed banking in 2024 and 2026; cheque against bill of exchange in 2023 and 2024; the functions of NABARD in 2025 and 2026; the problems of co-operative banks in 2023 and 2026; the banker-customer relationship in 2019 and 2025.
Inside: The fifty-mark sheet · ¶6.916
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 book has every mission, every past paper and the worked answers behind it.
Every figure is the figure you pay — nothing is added at checkout.
One PDF volume. Also sold in the CHM Set (Papers I–III) and the Complete Set (all six papers)
Volume VI is the book for Paper VI, Co-operative Banking and Credit Societies, of the Government Diploma in Co-operation and Accountancy (GDC&A). It is not a CHM paper: CHM candidates sit Papers I to III only. The volume is complete for its own paper and does not need the other five.
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.
Only if you need more than one paper. This volume alone is ₹499. No set contains only Papers IV–VI. Three single volumes (IV, V and VI) cost ₹1,497; the English Complete Set, with all six papers including I–III, is ₹1,699, only ₹202 more. Six single volumes cost ₹2,994, against ₹1,699 for the Set, a saving of ₹1,295. The Set price is an introductory price valid until 31 December 2026. If this paper is all you need, buy this volume.
Payment gives you a download link on the confirmation page and by email. Your file stays 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 file is one PDF: open it in any PDF reader on a phone, tablet or computer.
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.
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