A Co-operative society under Co-operative Credit Structure shall have right to decide its financial and internal administrative matters, which include:-
(i) the interest rates on deposits and loans
Provided that in the case of the State Co-operative Bank and a Central Co-operative bank, the interest rates shall be in conformity with the guidelines issued by the Reserve Bank;
(ii) the borrowing, investment, depositing its surplus funds, loaning policies (including individual loans) and other business policies;
(iii) the personnel policies including issues relating to recruitment, promotion, staffing, training, posting and compensation to staff as per business requirements of the society;
(iv) the internal checks and control systems, appointment of auditors, compensation for the audit and other internal administrative issues; and
(v) the borrowing from any financial institution regulated by the Reserve Bank of India, keeping in mind the interest of the society and its members."
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