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KACTCO, formally the Kozhikode Kallu Chethu Co-operative Society (Reg. D - 2729), is a members' co-operative society established in 2001 and headquartered in Chalappuram, Kozhikode, with a branch in Edakkara. It originally represented toddy tappers in Kozhikode Taluk and now functions as a Class-1 co-operative offering banking services to its members. Its services include fixed, savings, recurring, and daily deposit schemes (Nitya Nidhi), as well as gold, property, home, vehicle, education, and personal loans. The society also provides lockers, core banking, and group savings and credit schemes through GDS and MSS programs for members and self-help groups, with deposits covered under the Kerala Government deposit-guarantee scheme.