- Minimum Qualification: SSLC or its equivalent, along with a Subordinate Personal Co-operative Training Course (Junior Diploma in Co-operation - JDC).
- OR B.Com degree with Co-operation as an optional subject.
- OR Any recognized degree combined with a Higher Diploma in Co-operation (HDC or HDC&BM) from the Kerala State Co-operative Union, or HDC/HDCM from the National Council for Co-operative Training.
- OR B.Sc. in Co-operation & Banking from Kerala Agricultural University.
For candidates from Kasaragod district, a GDC/DCM from Karnataka State Co-operative Federation is also considered equivalent to JDC.