Composition Of Consumer Co Operative Societies

Consumers are unorganized and for that reason exploited by merchants in price, quality and weight. Consumer co-operatives defends the hobbies of consumers against unnatural scarcity, over charging of prices, way to obtain sub standard goods and the unfair trade routines distorted by private traders.


Maharashtra Co-operative Societies Action, 1960, defines consumer co-operative contemporary society as a society, the object which is

The procurement, creation or handling and the distribution of goods to or, the performance of other services for its associates as also other consumers,

The distribution among its users and customers, of the profit happening from such procurement, development, processing and circulation are in proportion as prescribed by guidelines or bye-laws of the contemporary society.

A consumer co-operative world is basically shaped for the campaign of the hobbies of the consumers.

Composition of consumer co-operative societies:

National Co-operative Consumers' Federation (1)

State Co-operative Consumers' Federation (28)

Departmental Stores (Apna Bazaar)

Wholesale / Central Stores (681)

Primary Consumer Co-operative Stores (26469)

University & University Consumers' Stores

Consumers' Stores of Industrial Workers

Consumers' Stores for Rural Population

Objectives of consumer co-operatives:

To educate the consumers to keep their needs within the income limit.

Stabilization of market rates.

To supply the goods and services regularly at fair costs.

To protect the consumers from dark marketing, upsurge in market rates, scarcity, cheating and adulteration.

To resource proper unadulterated goods and use proper dimension (weighing scales).

To inculcate the habit of personal savings and economy on the list of consumers.

To control the profit-making tendency

Need and importance of consumer co-operatives:

Supply of things and services according to needs-

The consumer co-operative societies are produced to satisfy the needs goods and services as demanded by the consumers. You will discover directly deals with makers and manufacturers of things and required goods are ordered directly from them, thus the consumers can be supplied with the goods as demanded.

Eradication of malpractices of traders-

It is found that there are many malpractices in trading like dark marketing, unnatural scarcity, cheating in measurements, hoarding, etc. proper measurements are not used whereby the buyer becomes ultimate victim of all these malpractices by the merchants. There is absolutely no place for each one of these things in co-operative consumer societies and so the consumers are fascinated towards them.

Necessity of your energy

India has followed financial planning and there is importance for general public syndication of essentialities of life. The buyer co-operative societies help the government in distributing these essentialities to rural and urban areas of our own country. These societies have become very important daily. Since these societies have been entrusted the work distribution, the individuals are saved from financial exploitation and hardship.

Establishment of proper trading system

The consumer co-operative societies supply good quality of things at reasonable cost by using right measurement and clean things. Hence from the viewpoint of customers these societies are incredibly important.

Eradication of trader's chain

There is long chain in between the suppliers and consumers. The things are sold at higher cost to consumers because the middlemen add their own revenue and expenses. The consumer co-operative societies immediately purchase the goods from the suppliers and chain of middleman can be averted.

Apna Bazaar

Apna Bazaar is just about the oldest and greatest consumer co-operative multi-state population with a person bottom part of over 12 lakhs. The Rs 140-crore retail chain, that, for over 55 years continued to be generally "middle-class", Apna Bazaar has 80 outlets in Mumbai, Thane and the neighbouring Konkan region. It has recently exposed its first shop beyond your state in Goa. It documented a turnover of Rs 127 crore for the entire year 2003-04.

Apna Bazar, the synonym for the essential needs,

Brand name of

Mumbai Kamgar Madhyavarti Grahak Sahakari Mandal Ltd

Date of Incorporation

9th May 1948


Multi Point out Co-operative Society





Registered Office

106-A, Govingi Keni Highway, Naigaon, Dadar [East], Mumbai 400014

Role of Apna Bazaar:

Apna bazaar plays a essential role by market involvement during the shortages of essential commodities. The distribution of these items is taken up by the Apna Bazaar at a loss to fulfill its communal commitments. At times of need, Apna Bazaar has diverted its manpower and resources, even at the price of its commercial interest, for the general public good.

Objectives of Apna Bazaar:

To undertake wholesale and retail circulation of consumer goods and essential goods; and to set up shops;

To foster the growth products and new developing products through market support and management advice

To lower syndication costs and to introduce reasonable and better trading techniques such as preset prices etc; and

Eradication of malpractices of dealers black marketing, unnatural scarcity, cheating in measurements, adulteration, etc.

Necessity of your energy - public circulation of essential commodities in rural and urban areas.

Elimination of middlemen.

Management and Firm:

Apna Bazaar is going with a management team composed of a chairman, vice chairman and Hon secretaries. The team largely provides course to the business and is also not mixed up in day-to-day affairs. The day-to-day affairs are supervised by an executive team, which includes a general manager, additional general director and office bearers of the organization.


Apna Bazaar has a person foundation of over 12 lakhs. Apna Bazaar has 80 outlet stores in Mumbai, Thane and the neighbouring Konkan region. It has recently exposed its first shop beyond your status in Goa. The break up of the stores is

Items Sold By Apna Bazaar

Apna Bazaar has the pursuing three main categories of items

Agro products

Branded products

Rural products

Apna Bazaar markets an immense variety of items through its various departments/retail stores. These are defined below: -


All kind of wooden furniture, material furniture library furniture, hospital furniture, revolving chairs, computer furniture, mattresses, pillows, sofa cushion.


Steel utensils, aluminium utensils, non stock, gas stoves, hair, mixer-grinder, juice-cum-mixer grinder, hot-cases, room heater, room convector, geysers, all type of fans, electric powered goods, washing machine, air-conditioners, water chiller, voltage stabilizer, generator place, crockery, flasks, plastic items, electric powered bulb/pipes and pipe fittings, table light fixture, disaster light, cell, torch, electric line, desert cooler, exhaust lovers.


Shoes, sandals, women tote, belt, umbrella, institution, bag, suit instances, brief cases, file box, file bag, luggage bag.


Woolen suiting, tericot suiting and shirting, blanket, blazer, bed-sheets, cushion cover, dress materials, all types of sarees, markein cloth, long fabric, voil, mulmul khadi etc.


Towels, dusters, curtain towel, bed-covers, carpets, quilt, durries, jute matting, blankets, cushion comforters, door-mats, PVC floor coverings.

Ready Made Apparel

Pants, shirts, undergarments, socks, sweaters, leather jackets, ladies suits, petticoats, children clothes, rain coats, over-coats, mosquito mat, window curtain tapes, machine oil, raxine.


All types of duplicating, keying in, photocopies paper, printing paper, all sorts of rules registers in several sizes peon literature, dak pads, pens, pencils, pen stands, eraser, markers, sign pens, gum-bottles scales, colors, art material, sealing wax, white smooth, sutle, stencil and carbon newspaper, all kind of computer stationery, butter paper, crepe paper, glaze newspaper, graph paper, data file covers, log literature, all type of printed varieties (Govt. office buildings), PVC sheet for binding purposes, transparency linens, ledgers, cash catalogs calculators, computer floppy, fax move, typewriting ribbon, ammonia paper rolls.


Watches of reputed companies like Titan.

Grocery & Toiletries

Pulses, spices, atta, rice, oils, tea leaves, and various other edible items, insecticides, disinfectants, phenyle, detergents, soaps, cosmetic makeup products, tissue rolls and napkins etc.

Medical & Surgical Equipment

All types of medicines, medical & surgical equipment etc.

Members Benefits:

Dividend on stocks at 12% to individuals, population and authorities.

Purchase rebate on show amount 10% every year.

Attractive rate of interest up to 9% on set deposit by the people.

Facilities PROVIDED BY Apna Bazaar to Consumers:

Apna Bazaar supplies the following facilities to consumers: -

Quality products at affordable prices.

Variety of items under one rooftop.

24 hours drugs outlets.

Self-service counters

Items of high quality analyzed by its quality- evaluation laboratory.

Display boards and price lists at various counters to enable the client to make his/her choice.

Home delivery, but this facility is only available for purchase from branches.

Discount sales routinely on various items


The location for the store is determined taking in concern the residential human population in the region, the typical of living of the people, the amount of business the other outlets are doing and also future development that are likely to take place for the reason that area in future.

Area covered:

Apna Bazaar has 80 stores in Mumbai, Thane and the neighbouring Konkan region. It has recently opened its first shop outside the point out in Goa. Nevertheless the density of Apna Bazaar is saturated in Naigoan and Chembur

Space required:

The minimum dependence on area for establishing Apna Bazaar is1000 sq. ft. The biggest store is at Vashi, which is distributed across 27000 sq. foot.

Target sections:

The store was started keeping in mind the lower middle class portion of the modern culture. But gradually they have moved up the buyer ladder with the addition of the middle category as its goal consumer. Now gradually it is drawing the upper course towards it. It now caters to almost all the sections of the modern culture depending on location. In order to attract the upper course & to overcome growing competition in the retail industry it is making changes in its product-mix.

Change in product Mix:

The above stand indicates decrease in the sales of Rice, Wheat, Pulses etc which shows the change in the meals culture/consumption pattern of the consumer. This implies that the consumer's inclination towards ready-to-eat food is increasing. Taking this into consideration Apna Bazaar possessed made has made appropriate changes in its Product Combination. Slowly the Percentage of food grains, pulses has declined which of FMCG products has increased. In a couple of years the percentage of chicken products in the merchandise combine would increase whereas that of food grains pluses etc. would decline. This might further change the merchandise -blend of Apna Bazaar.

Store Layout:

Layout of shop Apna Bazaar does not have any specific design of shop. However in most of electric outlet the 1st section you would come out is Vegetable, Fruit, Medical product, food grains, and FMCG product. Really the only think that is kept in mind that Heavy Product like 5kg. Sugars, 10kg. Wheat, 5 ltr. Petrol is near cash counter for capability of customer. In case of display they see to it that display at entrance is very colourful & attractive. Hence they screen cosmetic makeup products & FMCG product. Besides product, which is not used to the marketplace, are also viewed to seize attention of consumer

Product Display:

The brands are viewed in an exceedingly attractive manner. The decision to place a brandname on a particular shall depends after the Market talk about enjoyed by the business /Brand. Usually there are 5 Racks. Out of which 2nd, 3rd & 4th cabinets are most significant ones on which the brand with high market show or high brand equity are placed. The products are always in demand by the clients.


In big stores, like the departmental store at Andheri, there are 2000 to 3000 footfalls per day (on weekdays) & on weekends there remain 3000 to 3500 footfalls. In small outlet stores there remain 100 footfalls on regular day's. On weekends there are 200 to 250 footfalls. The footfalls tend to be more especially on Sunday.

The footfalls are usually more in night time between 6. 30pm. & 8. 30pm. Whereas the footfalls are comparatively low through the afternoon slot of just one 1. 30-3. 30 pm. Keeping this at heart stores are closed down down during this time. In this time the staff are rearrange the item in the store.

Sources of Income:

Retailing is their central activity and a significant part with their income result from the various shops.

They supply goods like Dal, Pulses, Food grains, Cereals to Govt. Establishments, Hospitals for his or her Canteens. A thirty days credit is directed at them.

They also earn income from the company racks that they screen in their stores. These racks support the products of this company and the subsequently pays off Apna Bazaar for exhibiting these racks. E. g. Maggie, Colgate, Pepsodent, Vicks, Nescafe etc.

They provide space to companies e. g. MEPL (Electronic digital goods) in order to display and sell their goods by charging lease for space provided.

They have 37 Franchise shops, which act as a income source for Apna Bazaar as Apna Bazaar supplies 70% of goods.

Provide place to banks for opening ATM center by charging rent since virtually all the outlet stores are owned or operated by Apna bazaar.

MetLife India authorized an contract with Apna Bazaar Co-operative for offering life insurance regulations. Based on the agreement, Apna Bazaar Co-operative shall become corporate and business agencies for MetLife India and provide MetLife India products to its huge customer base. Henceforth Apna Bazaar will allow its customers to develop financial liberty through MetLife India products predicated on need evaluation. Apna Bazaar will receive a payment of 35% on High quality amount.


'Apna Bazaar ' is a 55 year old co-operative firm with US $ 37 million total annual turnover through 07 departmental stores, 06 very markets & 65 retail outlets.

Apna bazaar used to export commodities like seafood and grapes to European countries. In spite of good income on exports they have discontinued the exports out of this year. Thus the reasons for the discontinuation were due to

The goods were seasonal in character.

In circumstance of grapes the Jalgoan region in which grapes where cultivated was struck by drought, in so doing by impacting on the production of grapes.

Besides the grapes were sprayed with certain chemicals which were suspended in the European countries, thereby further affecting the exports.

Besides exports is not Apna Bazaar's core activity therefore the decision to discontinue exports was used.

SWOT Analysis:



Apna Bazaar has generated its image through the years as a value for money store, which provides good quality goods at economical price.

Number of Outlets-

Apna Bazaar has 80 outlet stores spread around Mumbai, Navi Mumbai, Thane and the neighbouring Konkan region, Lanza (Bombay-Goa road), among other areas in Maharashtra. Each one of these areas are often accessible as general public transportation can be acquired. Hence providing easy accessibility to the clients.

Team work-

Although there is no training imparted to the employees at the outlets, there exists co-ordination and understanding between them anticipated to that your work continues on smoothly building a win-win situation for both, the management and the employees.


Apna Bazaar makes use of modern technology to maintain correct supplier expenses and giving correct expenses to customers presenting details of each purchase & most importantly displaying him the personal savings he has made while purchasing from Apna Bazaar. In addition they possess total information on their sales and the percentage of sales in each category so they know where the sales are high and where they may be lagging behind.

Genuine Products-

The products of Apna Bazaar are genuine as they purchase it immediately from the companies. Plenty of imitations of consumables such as honey, oil, etc. are available in many stores. People get cheated, as it isn't easy to identify them.


Apna Bazaar organizes a person meet because of their regular customers called MELAVDA at their wedding anniversary to build more powerful relations with their customers. Upon this day, the customers are offered purchase discount rates which show that they have considered corrective steps towards client satisfaction.



Raising capital for growth and improvement is also a constraint. Apna Bazaar is bounded by the laws of consumer co-operatives due to which they cannot raise cash from open up market. There is also limit recommended by the consumer co-operatives for variety of shares given by Apna Bazaar. That is a major disadvantage for Apna Bazaar.

Ageing society-

Apna Bazar started after World Conflict 2 when there is need of essential goods at lower prices. But, after liberalization many very market segments and hypermarkets have opened up anticipated to which you can find explosion of choices. Moreover, customers have the funds to move for convenience shopping, and therefore, the purpose for opening the co-operative is defeated.

Obstacles in recruitment: -

Apna Bazar does not have the budget to recruit skilled personnel. The employees are not well educated and hence, they have no idea of the management techniques. A qualified worker demands higher salary, which cannot be distributed by Apna Bazaar because of the constraints. Hence they cannot appoint a MBA a managerial job.

No online retailing: -

Apna Bazar does not have information about its products online. They should have their own website as it is very important nowadays. They might even learn about customer grievances by the responses.

Price fluctuation: -

Price Fluctuation is a major danger to Apna Bazar. If the product is purchased at a higher price is must be sold at that price only so as not to incur losses. For example, the price of essential oil fluctuates a great deal. So if the price for engine oil is Rs. 820 for a can when it's purchased, it'll be sold at Rs 820 per can even if the price falls to Rs. 800 per can. In this case the engine oil available from other retailers will be cheaper.


Brand building: -

Apna Bazaar may take efforts to develop its' brand image. For this function, a marketing company can he chosen. This will get more and more people to its retailers. Also, they have got upgraded their stores. This is the base for bringing in more customers as they will soon have all air conditioned stores.

Expansion: -

Apna Bazaar can grow its shops to other state governments. At present, they have discovered pursuits from Madhya Pradesh and Delhi. The initiation is on the anvil.

Development in suburbs: -

People are now relocating the suburbs; infrastructure is expanding anticipated to which you can find huge potential to appeal to more customers.

Retailing growth

Retailing today isn't just about selling at the shop, but also about surveying the marketplace, offering choice and experience to consumers, competitive prices and retaining consumers as well. The establishment of supermarkets and convenience stores has been a great effort to connect the features of structured retailing to customers.



There are a big number of malls that offer discounts the discounts offered by them are as effective as those provided by Apna Bazaar because the malls purchase in large and can hence find the money for to give heavy savings to the customers. The customer comes with an explosion of choices and will prefer shopping at these big malls as a result of atmosphere. They get the complete shopping experience at department stores. Hence, malls are a significant danger for Apna Bazaar.

Competition from other stores in conditions of-

Customer Centric Way

Most other stores take opinions from the clients in form of grievances, ideas and suggestions. They are able to find out customer needs and ways to satisfy them.


Image of a private retailer is more modern and advanced in comparison to that of Apna Bazaar. The screen is also more attractive in other excellent markets and hypermarkets compared to Apna Bazaar.

Future Plans:

Apna Bazaar blueprints to open outlet stores in the new casing colonies coming up in the interior suburbs like Kandivli and Thane.

Increasing the distribution reach is a strategy to counter competition the co-operative packages to increase its outlet stores from 80 at present to about 100 by next 12 months. This would comprise department stores, super markets, franchisee retailers and medical stores, both in Maharashtra as well as rest of the country.

Apart from that, it has money transfer center under an layout with Western Union money copy.

On the tie-up with HPCL for having Apna Bazaar outlets at the petrol pumps, up to now three HPCL pumps have Apna Bazaar stores and the results are still being examined.

Apna Bazaar Co-operative has embarked on a restructuring exercise and has appointed Darashaw and Company as tactical consultants. The restructuring entails exiting certain business while adding more services, to be provided under its umbrella. The restructuring plan includes exiting out of businesses like export of seafood and grapes, milk processing, making bakery products like biscuits and also pickles papads and spices.

Online scheduling for procedures through the Net and a centralized system to control inventory are also on the anvil. To get started with the co-operative strategies to truly have a dedicated call middle for customers to telephone in their requirements, which would then be sent from the nearest Apna Bazaar electric outlet. An online business, on the lines of Sangam Direct-the online effort of HLL-is in mind.

To ensure least inventory and maximum rotation, the co-operative is likely to centralize its supply chain management. It really is talking to FMCG majors like Tata, Nestle, HLL and P&G to ensure rotation without accumulating much inventory. While the super market segments would be serviced straight by the companies, certain requirements of franchisee outlet stores would be fulfilled by Apna Bazaar to ensure better co-ordination.

Apna Bazaar works the Akshay Labh Yojana design wherein the customers can deposit Rs. 10, 000 at any point of time in the year and get items well worth Rs. 100 monthly free. There is also term deposit techniques.

Apna Bazaar in addition has moved into into an eCRM tie-up with Venture Infotek, the e-infrastructure solutions provider, whereby Business Infotek provides the integrated end-to-end alternatives, with the shared infrastructure and payment-as-you-use repayment device, without investment in infrastructure.

The first thing on Apna Bazaar's programs is to focus on all 365 days and nights like other big players.

Upgrading the abilities of the manpower and create vehicle parking service are also in their agenda. They intend to have a tie-up with Citibank on co-branding. Regarding credit-based card, they can be on the verge of putting your signature on a MoU with SBI. As aesthetic merchandising, a new way for presenting the products will be launched.

The Country wide Consumers Co-Operative Federation has approached Apna Bazaar and enquired about the possibility of running shops under the brand Apna Bazaar in Delhi and Madhya Pradesh.

Apna Bazaar is planning to open another outlet in Goa as they have got a good response from the supermarket.


Government interference has had a major influence on the democratic set up of Apna Bazaar. Therefore, less dependence on federal government should be chosen.

Government should help stores like Apna Bazaar with credit at cheaper interest levels.

Apna Bazaar should improve their capital investments by enrolling more customers and also introduce more product types.

In the approaching years, the overall economy will be dominated by the retailing sector. Times are changing, organizations are changing. Changing regarding to times is inescapable. Apna Bazaar has to change its traditional viewpoints. It should adopt new techniques and acknowledge change wholeheartedly. Bringing qualitative changes in their skill and especially mindset can help it to make it through competition.

Apna Bazaar can open one electric outlet offering all the products it markets in the 80 outlets so that people get all products proposed by Apna Bazaar under one roof structure.

Other activities:

Healthy child competition for member children.

Ayurvedic camp conducted by apna bazaar annually in November.

Consumer bulletins are imprinted and sent out to consumers, gives them information about various products stored by them.

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