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State Cooperative Banks (SCBs) form a crucial part of the cooperative credit structure in India, operating at the state level to provide financial support to cooperative societies, primarily in agriculture, rural development, and allied sectors. They act as apex institutions for the district-level cooperative banks and play a pivotal role in implementing government-sponsored schemes, credit policies, and financial inclusion initiatives. The genesis of SCBs can be traced back to the cooperative movement in India during the early 20th century, which aimed to alleviate rural indebtedness and provide organized credit to farmers and small entrepreneurs. Over the decades, these banks have evolved to function as both financial intermediaries and policy implementers, bridging the gap between government objectives and grassroots cooperative institutions. One of the key features of SCBs is their organizational structure. They are typically _____ _______ __________ ________ ________.
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