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Sri K Ravinder Rao | TSCAB
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Sri K Ravinder Rao

Sri Konduru Ravinder Rao is holding the post of President of the Telangana State Cooperative Apex Bank Ltd.,(TSCAB) for one of the Prime Agrarian State in South India, the newly formed Telangana State, Hyderabad.

The Bank was carved out of the then Andhra Pradesh State Cooperative Bank(APCOB), which was the State Cooperative Bank of the then unified state of the then Andhra Pradesh.

He was born on 11th July, 1953 in an Agricultural family of Karimnagar District in Telangana State.

After graduating from Osmania University in Mass Communication & Journalism faculty, he worked for a couple of years in Mumbai, India for TATA SONS, switched back to his family profession of Agriculture & horticulture.

He was a leader from his student days and has entered into active politics about a decade and a half ago.

Having flair and interest towards the Agricultural Financing and knowing the status and conditions of the farmining Community, he entered into Cooperative Financing Institution at his native village (Gambhiraopet, Karimnagar District, Telangana State), the lowest level of the Primary Agriculture Cooperative Credit Society (PACS), which is the conglomeration of farmers, who borrow credit for agriculture from a District level Cooperative Bank(DCCB).

Having experienced the deficiencies and sufferings of the farming community, dearth of agricultural finance, he though it fit to represent in appropriate Cooperative Credit fora at various levels in the state of Telangana.

Having proven his leadership at the Primary Cooperative level, he was unanimously elected as President of the District Cooperative Central Bank, Karimnagar in the year 2005.

He provided the required leadership, dynamism and business acumen in the working of the District Cooperative Central Bank (DCCB) and has improved the financial and diversified business operations , resulting in tremendous turn-around for the institution which is as follows:

  1. Losses of rupees (58 crores)580 millions brought to profit of rupees (10 crores)100 million in a span of 10 years.

  2. Expansion of the number of business units (Branches) to provide the distribution channels, to the clientele in the district

  3. Lot of importance given to Infrastructure Development and also diversification of the business of the DCCB as well as the PACS in the district, by arranging the required Capacity Building and identifying the potential business activities like:

    1. Diesel/Gas stations by the PACS.

    2. Infrastructure creation for the storage of Agricultural Produce (4,700 m.tonne)

    3. Sale & distribution of chemical fertilizers, pesticides and mannure to the farmers through the PACS.

  4. Technological initiatives were made. The DCCB and their Branches were computerised on Core Banking Solutions (CBS) – Access provided to Electronic Payments System like RTGS, Direct Benefit Transfer for credit of subsidies provided by the Government directly to the Aadhar Card Linked Customers of our Bank and to the customers of DCCB Branches.. Steps are initiated for Computerising the PACS also with a centralised PACS Solution under his leadership.

  5. Modern Cash Dispensation System like ATM, Micro ATMs and instalation of PoS Machines are also on the anvil.

  6. We are live on RuPay Card Platform for ATM Rupay Debit Cards, e-commerce and PoS Transactions and we are providing Mobile Banking Facilites to our customers.

By recognising his eminent leadership qualities and the much needed Business Approach for development of the Three Tier Cooperative Credit System, he was chosen by the Government as an appropriate person to head the Cooperative Credit System in the State of Telangana. He was unanimously elected as the President of the Telangana State Cooperative Apex Bank (TSCAB) in the year 2015, which is a Federal Institution of the District Cooperative Central Banks in the State of Telangana.

During his stint as the President of Karimnagar DCCB and as also the President of the TSCAB, he is actively associated in Various Committees and Fora at country level and also is a member on the National Level Cooperative Federations and Unions.

Recently NABARD has constituted a Committee at National Level to look into various aspects of Human Resource Development in Cooperative Banks in India and also suggest measures to adopt a sound Human Resource Policy. He has been selected to be in the committee by seeing his rich experience and knowledge in the field of Cooperation and Cooperative Banking.

He is a very widely travelled person and has travelled across so many countries in the world, primarily with a view to study the Agricultural Practices, Techniques, Technology initiatives and Agricultural Finances in other countries and put them into practice in the State, District Cooperative Central Banks and the Primaries in the State of Telangana.

Because of his vast experience, wide acceptance and leadership he provides to the Cooperatives, he is widely consulted by the Regulators – Reserve Bank of India (RBI), National Bank for Agriculture & Rural Development (NABARD) and the Union and the State Government while formulating/modifying the Agricultural and the Agricultural Finance Policies.

He is very lucid and dynamic in presenting his thoughts in presenting, what is good for the Cooperatives. He always thrives for the betterment of the Farming Community and Self Sustenance of the Agricultural Financing Institutions.



Date of Birth


Parent’s name

Father: Sri K. Rajeshwar Rao

Mother: Smt K. Mangamma

Own village

Gajasingavaram (v), Gambhiraopet (m), Karimnagar Dist., Telangana State

Res. Address

  1. Plot No.600, Road No.32, Jubilee Hills, Hyderabad
  1. H.No.2-10-1378, Behind Chemist Bhavan, Jyothi Nagar, Karimnagar-505001Tel.No.0878-650897

Educational Qualifications

B.Sc., B.C.J.
President, Dist Congress Party, Karimnagar
President, Dist Congress Party, Karimnagar


Unanimously elected as President, Gambhiraopet PACS


Unanimously elected 2nd time as President, Gambhiraopet PACS

2005 to Feb.2013




2nd time Unanimously Elected as PRESIDENT,

Karimnagar Dist Coop Central Bank Ltd.

April, 2015

Joined in Telangana Rashtra Samithi (TRS) at the instance of Hon’ble Chief Minister Sri K.Chandra Shekar Rao

May, 2015



June, 2015


National Federation of State Cooperative Banks( NAFSCOB), Mumbai

June, 2015


National Cooperative Agriculture & Rural Development Banks’Federation, Mumbai (NCARDB Federation)