Lok Sabha Question No. 1416 (UNSTARRED), answered on 2023-12-12
Subject: Making Cooperative Self Reliant
Ministry: COOPERATION
Asked by: Gajendra Singh Patel

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 1416 TO BE ANSWERED ON 12/12/2023

## Making Cooperative Self Reliant

## †1416.     SHRI GAJENDRA SINGH PATEL:

Will the Minister of COOPERATION (सहकाįरता मंũी) be pleased to state:

- (a) the details of the efforts being made by the Government to make the Cooperative Sector self-reliant;
- (b) the number of cooperative societies, functioning in cooperative sector in Madhya Pradesh along with the details thereof;
- (c) the  amount  of  grants  being  provided  to  develop  the  cooperative  sector  during  the  last three years;
- (d) the details of the programmes being organized to promote the investment in cooperative sector; and
- (e) the amount of grants being provided to cooperative societies in tribal areas?

## ANSWER

## THE MINISTER OF COOPERATION सहकाįरता मंũी (SHRI AMIT SHAH)

(a): In order to realise the vision of 'Sahakar Se Samriddhi', Government of India with active participation of various States/ UTs has taken various initiatives to strengthen the cooperative sector across the country and make cooperatives self-reliant.

To  increase  the  viability  of  Primary  Agricultural  Credit  Societies  (PACS)  and diversify their business activities to make them vibrant economic entities, Model Byelaws for PACS  have  been  prepared  to  enable  PACS  to  diversify  their  business  activities  by undertaking more than 25 business activities, including dairy, fishery, floriculture, setting up godowns, procurement of foodgrains, fertilizers, seeds, LPG/CNG/Petrol/Diesel distributorship,  short-term  &  long-term  credit,  custom  hiring  centers,  common  service centers, Fair Price Shops (FPS), community irrigation, Business Correspondent activities, etc.

Further, in  order  to  strengthen  PACS,  project  for  Computerization  of  63,000 functional PACS with a total financial outlay of ₹2,516 Crore has also been approved by the Government of India, which entails bringing all the functional PACS onto an ERP (Enterprise Resource Planning) based common national software, linking them with NABARD through State Cooperative Banks (StCBs) and District Central Cooperative Banks (DCCBs).

Government has approved a plan to create warehouses, custom hiring centres, primary processing units and other agri-infra for grain storage at PACS level, which will be World's largest Decentralized Grain Storage facility. This will reduce transportation costs and enable farmers to realize better prices for their produce and meet various agricultural needs at the PACS level itself.

Ministry  of  Cooperation  has  taken  various  other  initiatives  which  aim  at  providing cooperatives  with  requisite  forward  and  backward  linkages  to  market  agri  produce,  obtain credit  and  other  services  at the  Panchayat/ village level itself, generate multiple and stable revenue  streams  for  them,  thus  making  them  self-reliant.  A  list  of  initiatives  taken  by  the Ministry of Cooperation for development of Cooperative Sector is enclosed at Annexure-I .

Further, National Cooperative Development Corporation  (NCDC), a statutory corporation  under  administrative  control  of  Ministry  of  Cooperation,  provides  financial assistance to promote, strengthen and develop farmer cooperatives across the country. NCDC implements  various  schemes  to  make  cooperatives  self-reliant,  the  details  of  which  are enclosed at Annexure-II .

- (b):  As  per  the  data  entered  by  the  State  in  the  National  Cooperative  Database  (as  on 06.12.2023), there are 51,702 cooperative societies in Madhya Pradesh. Details of Districtwise number of cooperatives in the State of Madhya Pradesh are enclosed at Annexure-III .

In addition, there are 29 Multi state cooperatives from the State of Madhya Pradesh, the details of which are attached at Annexure-IV .

- (c): The amount of grant provided for development of cooperative sector during the last three years is mentioned below:
- i. Under the Central Sector Integrated Scheme on Agricultural Cooperation (CSISAC):

| Financial Year   | Grant Released (Rs. in Crore)   |
|------------------|---------------------------------|
| 2020-21          | 373.65                          |
| 2021-22          | 341.67                          |
| 2022-23          | 376.93                          |
| TOTAL            | 1,092.25                        |

Under the scheme, National Cooperative Development Corporation (NCDC) provided financial  assistance  in  the  form  of  subsidy/grant  to  the  Cooperative  societies  across  the country, while National Council for Cooperative Training (NCCT) and National Cooperative Union of India (NCUI) utilized the grant for cooperative training and capacity building.

- ii. Under  the Project for  Computerization  of 63,000  functional PACS  (since  its formulation in the year 2022-23):
2. (d): Ministry  of  Cooperation  has  organised  various  National  /  State-level  Programmes  / Conferences  /  Awareness  sessions  etc.  over  the  last  two  and  a  half  years  to  sensitize stakeholders as well as promote new avenues and investment in the cooperative sector. A list of  major  programmes  organized  for  the  promotion  of  cooperative  sector  is  enclosed  at Annexure-V .
3. (e): Total amount of grant provided under Tribal Sub-Plan of the CSISAC through NCDC to Tribal cooperatives in the last three years is as below:

| Financial Year   |   Grant Released (Rs. in Crore) |
|------------------|---------------------------------|
| 2022-23          |                          395    |
| 2023-24          |                           80.55 |
| TOTAL            |                          475.55 |

| Financial Year   |   Grant Released (Rs. in Crore) |
|------------------|---------------------------------|
| 2020-21          |                           32.08 |
| 2021-22          |                           28.2  |
| 2022-23          |                            4.3  |
| TOTAL            |                           64.58 |

Further, the amount of grant released to Tribal Co-operative Marketing Development Federation of India (TRIFED) by Ministry of Tribal Affairs, Government of India for Tribal cooperatives, in last three years is as below:

| Financial Year   |   Grant Released (Rs. in Crore) |
|------------------|---------------------------------|
| 2020-21          |                          170.74 |
| 2021-22          |                          255.9  |
| 2022-23          |                          135.27 |
| TOTAL            |                          561.91 |

*****

## Annexure-I

## A. Making Primary Cooperatives economically vibrant and transparent

1. Model  Bye-Laws  for  PACS  making  them  multipurpose,  multidimensional  and transparent  entities :  Government,  in  consultation  with  all  the  stakeholders,  including States/  UTs,  National  Level  Federations,  State  Cooperative  Banks  (StCBs),  District Central Cooperative Banks (DCCBs), etc., has prepared and circulated Model Byelaws for PACS to all the States/ UTs, which enable PACS to undertake more than 25 business activities,  improve  governance,  transparency  and  accountability  in  their  operations. Provisions have also been made to make the membership of PACS more inclusive and broad-based, giving adequate representation to women and Scheduled Castes/Schedules Tribes. Model Byelaws have been adopted by 31 States/ UTs so far.
2. Strengthening  of  PACS  through  Computerization :  In  order  to  strengthen  PACS, project for Computerization of 63,000 functional PACS with a total financial outlay of ₹2,516 Crore has been approved by the Government of India, which entails bringing all functional  PACS  in  the  Country  onto  a  common  ERP  based  national  software,  linking them  with  NABARD  through  StCBs  and  DCCBs.  A  total  of  62,318  PACS  from  28 States/  UTs  have  been  sanctioned  under  the  project.  Software  is  ready  and  trials  have already started in 5,673 PACS in 26 States/ UTs so far.
3. New Multipurpose PACS/ Dairy/ Fishery Cooperatives in uncovered Panchayats : A proposal has  been  approved  by the Government to set up  new multi-purpose PACS or primary dairy/ fisheries cooperatives covering every Panchayat/ village in the next five years,  with  support  of  NABARD,  NDDB,  NFDB,  NCDC  and  other  National  level Federations. As reported by the States/ UTs, the process for registering 9,961 new PACS/ Dairy/ Fishery cooperative societies in 24 States/ UTs is in various stages.
4. World's Largest Decentralized Grain Storage Plan in Cooperative sector : Government has approved a plan to create warehouses, custom hiring centres, primary processing  units  and  other  agri-infra  for  grain  storage  at  PACS  level,  by  converging various  schemes  of  Government  such  as  AIF,  AMI,  SMAM,  PMFME,  etc.  This  will reduce wastage of food grains and transportation costs, enable farmers to realize better prices for their produce and meet various agricultural needs at the PACS level itself. 22 States/  UTs  and  National  level  Cooperative  Federations  such  as  National  Cooperative Consumers Federation (NCCF)  and National Agricultural Cooperative Marketing Federation of India Ltd. (NAFED), have identified 1,711 PACS for creation of storage capacity  under  the  Pilot  Project.  At  present,  construction  is  going  in  13  PACS  of  13 States/ UTs under the Pilot Project.
5. PACS as Common Service Centers (CSCs) for better access to e-services :  MoU has been signed between Ministry of Cooperation, MeitY, NABARD and CSC e-Governance Services  India  Limited  for  providing  more  than  300  e-services  such  as  banking, insurance, Aadhar enrolment/ updation, health services, PAN card and IRCTC/ Bus/ Air ticket, etc. through PACS. So far, 24,470 PACS have started providing CSC services to

the rural citizens which will also result in increase in income of those PACS at the same time.

6. Formation of  new  Farmer  Producer  Organizations  (FPOs)  by  PACS :  Government has allowed 1,100 additional FPOs to be formed by PACS with the support of NCDC, in those blocks where FPOs have not yet been formed or the blocks are not covered by any other implementing agency. This will be helpful in providing the farmers with necessary market linkage and get fair and remunerative prices for their produce.
7. PACS given priority for Retail Petrol/ Diesel outlets : Government has allowed PACS to  be  included  in  the  Combined Category  2  (CC2) for  allotment  of  retail petrol/ diesel outlets. As per information received from Oil Marketing Companies (OMCs), a total of 228 PACS have applied online for retail petrol/ diesel outlets.
8. PACS given permission to convert bulk consumer petrol pumps into retail outlets : Based on the discussions with the Ministry of Petroleum and Natural Gas, guidelines have been issued to convert the existing bulk consumer licensee PACS into retail outlets for increasing the profit of PACS and generate employment opportunities in rural areas. 109 PACS  from  5  States  having  wholesale  consumer  pumps  have  given  consent  for conversion  into  Retail  Outlets,  out  of  which  43  PACS  have  received  Letter  of  Intent (LOI) from the OMCs.
9. PACS eligible for LPG Distributorship for diversifying its activities : Government has now allowed PACS to apply for LPG Distributorships. This will give PACS an option to increase their economic activities and create new employment opportunities in rural areas. Two locations have already been advertised in the State of Jharkhand.
10. PACS  as  PM  Bharatiya  Jan  Aushadhi  Kendra  for  improving  access  to  generic medicines  at  rural  level :  Government  is  promoting  PACS  to  operate  Pradhan  Mantri Bhartiya Janaushadhi Kendras which will provide additional income source to them and provide  easy  access  of  generic  medicines  to  rural  citizens.  So  far,  4,289  PACS/ cooperative  societies  have  applied  online  for  PM  Janaushadhi  Kendras,  out  of  which 2,293 PACS have been given initial approval also.
11. PACS  as  Pradhan  Mantri  Kisan  Samriddhi  Kendras  (PMKSK): Government  is promoting PACS to operate PMKSK for ensuring easy accessibility of fertilizer & related services to farmers in the country. As per the information shared by States/ UTs, 28,648 PACS are functioning as PMKSK so far.
12. Convergence of PM-KUSUM at PACS level : Farmers associated with PACS can adopt solar agricultural water pumps and install photovoltaic modules in their farms.
13. PACS to carry out O&M of rural piped water supply schemes (PWS) :  In  order  to utilize the reach of PACS in rural areas, on the initiative of the Ministry of Cooperation, Ministry of Jal Shakti has made PACS as eligible agencies to carry out the Operations & Maintenance  (O&M)  of  PWS  in  rural  areas.  As  per  information  received  from  States/

UTs, 1,381 PACS have been identified by 12 States/ UTs to provide O&M services at Panchayat/ Village level.

14. Micro-ATMs to Bank Mitra Cooperative Societies for providing doorsteps financial services : Dairy and Fisheries cooperative societies can be made Bank Mitras of DCCBs and StCBs to ensure their ease of doing business, transparency and financial inclusion, Micro-ATMs  are  also  being  given  to  these  Bank  Mitra  Co-operative  Societies  with support  from  NABARD  to  provide  'Door  Step  Financial  Services'.  As  a  pilot  project, 1,723  Micro-ATMs  have  been  distributed  to  Bank  Mitra  cooperative  societies  in Panchmahal and Banaskantha Districts of Gujarat.
15. Rupay Kisan Credit Card to Members of Milk Cooperatives : In order to expand the reach  of  DCCBs/  StCBs  and  to  provide  necessary  liquidity  to  the  members  of  Dairy Cooperative  societies,  Rupay  Kisan  Credit  Cards  (KCCs)  are  being  distributed  to  the members of cooperatives for providing credit  at comparatively lower interest rates and enable  other  financial  transactions.  As  a  pilot  project,  73,503  Rupay  KCC  have  been distributed in Panchmahal and Banaskantha Districts of Gujarat.
16. Formation of Fish Farmer Producer Organization (FFPO) : In order to provide market linkage  and  providing  processing  facilities  to  the  fishermen,  NCDC  has  registered 69 FFPOs  in  the  initial  phase.  Department  of  Fisheries,  Government  of  India  has  further allocated  conversion  of 1000existing  fisheries  cooperative  societies  into  FFPOs  to NCDC, with an approved outlay of Rs 225.50 crore.

## B. Strengthening the Urban and Rural Cooperative Banks

17. UCBs have been allowed to open new branches to expand their business: UCBs can now open new  branches  up  to  10%  (maximum  5  branches)  of  the  existing  number  of branches in the previous financial year without prior approval of RBI.
18. UCBs have been allowed by RBI to offer doorstep services to their customers: Door step banking facility can now be provided by the UCBs. Account holders associated with these banks can now avail various banking facilities at  home such as cash withdrawal, cash deposit, KYC, demand draft and life certificate for pensioners, etc.
19. Cooperative banks have been allowed to make one-time settlement of outstanding loans,  like  Commercial  Banks: Co-operative  banks,  through  board-approved  policies, can now provide process for technical write-off as well as settlement with borrowers.
20. Time  limit  increased  to  achieve  Priority  Sector  Lending  (PSL)  targets  given  to UCBs : RBI has extended the timeline for UCBs to achieve Priority Sector Lending (PSL) targets by two years i.e., up to March 31, 2026.
21. A Nodal Officer designated in RBI for regular interaction with UCBs :  In  order  to meet  the  long  pending  demand  of  the  cooperative  sector  for  closer  coordination  and focused interaction, RBI has notified a nodal officer as well.
22. Individual housing loan limit more than doubled by RBI for Rural and Urban Cooperative Banks:
- a. Housing loan limit of Urban cooperative banks have now been doubled from Rs 30 lakh to Rs 60 lakh.
- b. Housing loan limit of Rural cooperative banks has been increased to two and a half times to Rs 75 lakh.
23. Rural  Co-operative  Banks  will  now  be  able  to  lend  to  commercial  real  estate/ residential housing sector, thereby diversifying their business : This will not only help Rural  co-operative  banks  to  diversify  their  business,  but  benefit  Housing  co-operative societies also.
24. License fee reduced for Cooperative Banks :  License fee  for  onboarding  Cooperative Banks to 'Aadhaar Enabled Payment System' (AePS) has been reduced by linking it to the number of transactions. Cooperative financial institutions will also be able to get the facility  free  of  cost  for  the  first  three  months  of  the  pre-production  phase.  With  this, farmers  will  now  be  able  to  get  the  facility  of  banking  at  their  home  with  their fingerprints.
25. Non-scheduled UCBs, StCBs and DCCBs notified as Member Lending Institutions (MLIs) in CGTMSE Scheme to increase the share of cooperatives in lending: The cooperative banks will now be able to take advantage of risk coverage up to 85 percent on the loans given. Also, cooperative sector enterprises will also be able to get collateral free loans from co-operative banks now.
26. Notification  of  Scheduling  norms  for  including  Urban  Co-operative  Banks: UCBs that  meet  the  'Financially  Sound  and  Well  Managed'  (FSWM)  criteria  and  have maintained  the  minimum deposits  required  for  classification  as  Tier  3  for  the  last  two years  are  now eligible  to  be  included  in  Schedule  II  of  the  Reserve  Bank  of  India  Act 1934 and get 'Scheduled' status.
27. Monetary ceiling doubled by RBI for Gold Loan: RBI has doubled monetary ceiling from Rs. 2 lakh to Rs.4 lakh, for those UCBs that meet the PSL targets.
28. Umbrella Organization for Urban Cooperative Banks : RBI has accorded approval to the National Federation of Urban  Co-operative Banks  and  Credit Societies Ltd. (NAFCUB) for  the  formation  of  an  Umbrella  Organization  (UO)  for  the  UCB  sector, which  will  provide  necessary  IT  infrastructure  and  operation  support  to  around  1,500 UCBs.

## C. Relief to Cooperative Societies in the Income Tax Act

29. Surcharge  reduced  from  12  %  to  7%  for  co-operative  societies  having  income between Rs. 1 to 10  Cr.: This  will  reduce  the  burden  of  Income  Tax  on  Cooperative Societies  and  more capital  will  be  available  with  them  to  work  for  the  benefit  of  their members.
30. MAT reduced for cooperatives from 18.5% to 15%: With this provision, now there is parity between Cooperative Societies and Companies in this regard.
31. Relief in cash transactions under section 269ST of the Income Tax Act: In  order to remove difficulties in cash transactions by cooperatives under Section 269ST of IT Act, Government has issued a clarification that cash transaction of less than Rs. 2 lakhs done by a cooperative society with its distributor in a day will be considered separately, and will not be charged with income tax penalty.
32. Tax cut for new manufacturing Cooperative societies: Government has decided that a flat lower tax rate of 15% will be charged, compared to an earlier rate of up to 30% plus surcharge,  for  new  cooperatives  commencing  manufacturing  activities  by  March  31, 2024. This will encourage the formation of new cooperative societies in the manufacturing sector.
33. Increase  in  limit  of  Cash  Deposits  and  Cash  Loans  by  PACS  and  PCARDBs: Government  has  enhanced  the  limit  for  Cash  Deposits  and  Cash  Loans  by  PACS  and Primary  Cooperative  Agriculture  and  Rural  Development  Banks  (PCARDBs)  from  Rs 20,000 to Rs 2 lakh per member. This provision will facilitate their activities, increase their business and benefit members of their societies.
34. Increase  in  the  limit  of  Tax  Deducted  at  Source  (TDS)  in  Cash  Withdrawal: Government  has  increased  the  cash  withdrawal  limit  of  cooperative  societies  without deduction of tax at source from Rs.1 crore to Rs.3 crore per year. This provision will save Tax Deducted at Source (TDS) for cooperative societies, which will enhance liquidity of the cooperative society.

## D. Revival of Cooperative Sugar Mills

35. Relief  from  Income  Tax  to  Sugar  Cooperative  Mills :  Government  has  issued  a clarification that Sugar cooperative mills would not be subjected to additional income tax for  paying  higher  sugarcane  prices  to  farmers  up  to  Fair  and  Remunerative  or  State Advised Price, from April, 2016 onwards.
36. Resolution of decades old pending issues related to Income Tax  of Sugar Cooperative  Mills :  Government  has  made  a  provision  in  its  Union  Budget  2023-24, wherein Sugar cooperatives have been allowed to claim as expenditure their payments to sugarcane  farmers  for  the  period  prior  to  assessment  year  2016-17,  giving  a  relief  of more than Rs.10,000 crores.
37. Rs.  10,000  crore  loan  scheme  launched  for  strengthening  of  Sugar  Cooperative Mills : Government has launched a scheme through NCDC for setting up ethanol plants or cogeneration plants or for working capital or for all three purposes. Loan amount of Rs. 3,010 cr. has been sanctioned by NCDC to 24 Cooperative Sugar Mills so far.
38. Preference  to  Cooperative  Sugar  Mills  in  purchase  of  ethanol :  Cooperative  Sugar Mills  have  now  been  put  at  par  with  private  companies  for  ethanol  procurement  by Government of India under the Ethanol Blending Programme (EBP).
39. Reduction in GST on molasses from 28% to 5%: Government has decided to reduce the GST on molasses from 28% to 5% which will enable cooperative sugar mills to earn more profits for its members by selling molasses to distilleries with higher margins.

## E. Three new Multi-State Societies at the National Level

40. New National Multi-State Cooperative Seed Society for certified seeds :  Government has  established  a  new  apex  multi-state  cooperative  seed  society  under  the  MSCS  Act, 2002, namely  Bharatiya Beej Sahakari Samiti Limited (BBSSL)  as  an  umbrella organization for quality seed cultivation, production and distribution under a single brand. 8,200  PACS/  cooperative  societies  from  27  States/  UTs  have  applied  to  become  its members so far.
41. New  National  Multi-State Cooperative Organic  Society for  organic  farming : Government has established a new apex multi-state cooperative organic society under the MSCS  Act,  2002,  namely  National  Cooperative  Organics  Limited  (NCOL)  as  an umbrella organization  to  produce,  distribute  and  market  certified  and  authentic  organic products. 2,475 PACS/ cooperative societies from 24 States/ UTs have applied to become its members so far. 6 organic products have already been launched by NCOL so far.
42. New  National  Multi-State  Cooperative  Export  Society  for  promoting  exports : Government has established a new apex multi-state cooperative export society under the MSCS Act, 2002, namely National Cooperative Export Limited (NCEL) as an umbrella organization to give thrust to exports from cooperative sector. 2,625 PACS/ cooperative societies from 22 States/ UTs have applied to become its members so far. Till date, NCEL has got permission to export 14.92 LMT rice to 16 countries and 50,000 MT sugar to 2 countries.

## F. Capacity Building in Cooperatives

43. Establishment  of  the  Cooperative  University: Steps  are  being  taken  by  Ministry  of Cooperation  for  setting up  of  a  National  Cooperative  University for  Cooperative education, training, consultancy, research and development and a sustainable and quality supply of trained manpower.
44. Promotion  of  training  and  awareness  through  National  Council  for  Cooperative Training  (NCCT) :  By  increasing  its  reach,  NCCT  has  conducted  3,287  training programs and provided training to 2,01,507 participants in FY 2022-23.

## G. Use of Information Technology for 'Ease of Doing Business'

45. Computerization of the Central Registrar's Office : Central Registrar's office has been computerized to create a digital ecosystem for Multi-State Cooperative Societies, which will assist in processing applications and service requests in a time bound manner.
46. Scheme for computerization of office of RCSs in States and Union Territories :  To increase 'Ease of doing business' for Cooperative Societies and create a digital ecosystem for transparent paperless regulation in all States/Union Territories, a Centrally Sponsored Project  for  computerization  of  RCS  Offices  has  been  approved  by  the  Government.

Grants will be provided for purchase of hardware, development of software, etc. to the States/ UTs.

47. Computerization  of  Agriculture  and  Rural  Development  Banks  (ARDBs) :  To strengthen the Long-term Cooperative Credit structure, the project of computerization of 1,851 units of Agriculture and Rural Development Banks (ARDBs) has been approved by the Government. NABARD is the implementing agency for the project and will develop a national  level  software  for  ARDBs.  Hardware,  support  for  Digitization  of  legacy  data, training to the employees, etc. will be provided under the project.

## H. Other Initiatives

48. New National Cooperative Database for authentic and updated data repository :  A database  of  cooperatives  in  the  country  has  been  prepared  with  the  support  of  State Governments to facilitate stakeholders in policy making and implementation of programmes/ schemes related to cooperatives across the country. So far, data of around 7.86 lakh cooperatives has been captured in the database.
49. Formulation  of  New  National  Cooperative  Policy :  A  National  level  committee comprising  49  experts  and  stakeholders  drawn  from  all  over  the  Country  has  been constituted  to  formulate  the  New  National  Cooperative  Policy  for  enabling  a  vibrant ecosystem to realize the vision of 'Sahakar-se-Samriddhi'.
50. Multi-State  Co-operative  Societies  (Amendment)  Act,  2023 :  Amendment  has  been brought in the MSCS Act, 2002 to strengthen governance, enhance transparency, increase accountability, reform electoral process and incorporate provisions of 97 th Constitutional Amendment in the Multi State Cooperative Societies.
51. Inclusion of Cooperatives as 'buyers' on GeM portal :  Government has permitted the cooperatives to register as 'buyer' on GeM, enabling them to procure goods and services from  nearly  over  67  lakh  vendors  to  facilitate  economical  purchases  and  greater transparency. So far, 559 cooperative societies have been onboarded on GeM as buyers.
52. Expansion of National Cooperative Development Corporation (NCDC) to increase its  range  and  depth :  NCDC  has  launched  new  schemes  in  various  sectors  such  as 'Swayamshakti  Sahkar'  for  SHGs;  'Deerghavadhi  Krishak  Sahkar'  for  long  term agricultural credit and 'Dairy Sahkar' for dairy. Total financial assistance of Rs. 41,024 Crores has been disbursed by NCDC in FY 2022-23, which is almost 20% higher than the disbursement of Rs.34,221 crore in 2021-22. Government of India has permitted NCDC to issue bonds worth ₹2000 crore with government guarantee, subject to the adherence of specified  terms  and  conditions.  Further,  NCDC  is  setting  up  sub-offices  in  6  North Eastern  States  -  Arunachal  Pradesh,  Meghalaya,  Mizoram,  Manipur,  Nagaland  and Tripura with the objective of taking various national schemes to the cooperative societies at their doorstep.
53. Financial assistance by NCDC for Deep Sea Trawlers :  NCDC is providing financial assistance for projects related to deep sea trawlers in coordination with the Department of Fisheries, Government of India. NCDC has already sanctioned financial assistance of Rs 20.30 crore for purchase of 14 deep sea trawlers for the Fisheries Cooperative Societies of Maharashtra.
54. Refund  to  Investors  of  Sahara  Group  of  Societies :  A  portal  has  been  launched  for making payments to the genuine depositors of the cooperative societies of Sahara Group in a transparent manner. Disbursement have already started after proper identification and submission of proof of their deposits and claims.

*****

## SCHEMES IMPLEMENTED BY NCDC

## I. NCDC Sponsored Schemes

- a) YUVA SAHAKAR - Cooperative Enterprise Support and Innovation Scheme: The scheme aims at encouraging newly formed cooperative societies with new and/ or innovative ideas. It is linked to a Cooperative Start-up and Innovation Fund created by NCDC
- b) AYUSHMAN SAHAKAR: The  Scheme  has  a  comprehensive  approach  to  cover hospitals,  healthcare,  medical  education,  nursing  education,  paramedical  education, health insurance and holistic health systems such as AYUSH.
- c) NANDINI  SAHAKAR: The  scheme  aims  to  improve  socio-economic  status  of women and supports entrepreneurial dynamism of women through women cooperatives.  It  will  converge  critical  inputs  of  women's  enterprise,  business  plan formulation, capacity development, credit and subsidy and/ or interest subvention of other schemes
- d) DAIRY  SAHAKAR: It  is  a  cooperative  dairy  business  focused  framework  of financial assistance for encouraging cooperatives to achieve higher outcomes in ESG (environmental, social, governance) linked activities. It includes creation of infrastructure by cooperatives for new projects and modernization and/or expansion of existing projects.
- e) DIGITAL  SAHAKAR: Aligned  with  the  principles  of  Digital  India,  NCDC  has conceived a focused financial assistance  framework  for Digitally  Empowered Cooperatives  for  handholding  and  credit  linkage  by  NCDC,  dovetailed  with  grant, subsidy,  incentives  etc.  from  Government  of  India  /  State  /  UT  /  agencies  with  the objective of cooperatives actively partaking in Digital India.
- f) SWAYAM SHAKTI SAHAKAR YOJNA: New scheme for providing  NCDC's financial assistance to Agricultural  Credit Cooperatives for providing loan/advances to Women Self Help Groups (SHGs) .
- g) DEERGHAVADHI  KRISHAK  PUNJI  SAHAKAR  YOJNA: New  Scheme  for extending NCDC's long term financial assistance to Agricultural Credit Cooperatives towards their onward lending of long term loans/advances for activities/commodities/services under the purview of NCDC .

## II Other Central Sector/Sponsored Schemes implemented by NCDC:

- a) Agri  Infrastructure  Fund  Scheme -  DA&FW,  Ministry  of  Agriculture  and Farmers Welfare
- b) Agricultural  Marketing  Infrastructure  (AMI)  sub  scheme  of  Central  Sector Integrated  Scheme  on  Agriculture  Marketing  (CSISAM)  for  Storage  and other than Storage Infrastructure
- c) Mission  for  Integrated  Development  of  Horticulture  (MIDH) -  DA&FW, Ministry of Agriculture and Farmers Welfare
- d) PM Matsya Sampada Yojana (PMMSY) - Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying
- e) PM Formalisation of Micro Food Processing Enterprises (PMFME )- Ministry of Food Processing Industries
- f) PM 'Formation and Promotion of 10,000 FPOs' scheme - DA&FW, Ministry of Agriculture and Farmers Welfare
- g) Fisheries & Aquaculture Infrastructure Development Fund (FIDF) Scheme Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying.

## III Activities undertaken by NCDC for the cooperative sector:

## a) Marketing:

- -Margin Money /Working capital assistance
- -Strengthening  share  capital  base  of  primary  /  district  cooperative  marketing societies
- -Purchase of furniture and fixtures, transport vehicles including refrigerated vans
- -Development / Strengthening of Agricultural Marketing Infrastructure, Grading and Standardization

## b) Processing:

- -Setting up of new sugar factories (Investment Loan)
- -Modernisation  and  Expansion  /  Diversification  of  existing  Sugar  Factories (Investment loan and term loan)
- -Establishment  of  new/  Modernization/  Expansion/  Rehabilitation  of  existing spinning mills
- -Modernization/  Expansion  of  existing  and  establishment  of  modern  cotton ginning & pressing units
- -Small  /medium  scale  agro  &  allied  sector  processing  units,  pre/post  loom processing/ garment & knitting units
- -Setting  up  of  other  Processing  units,  such  as  Foodgrains/Oilseeds  /Plantation Crops /Fruits & Vegetables /Maize Starch/Particle Board etc.
- -Margin money /Working capital assistance
- -Share capital participation by State Government in new spinning mills

## c) Storage:

- -Construction of godowns and repair / renovation of existing godowns
- -Margin money / Working capital assistance

## d) Cold Chain:

- -Construction / expansion / modernization of cold  storages
- -Establishment  of  Cold  Chain  components  which  broadly  include  (i)  Integrated pack house, (ii)  Reefer  transport,  (iii)  Cold  storage  (Bulk-near  farm  gate),  (iv) Cold storage (Hub-near market) and (v) Ripening units etc.
- -Margin money / Working capital assistance

## e) Distribution of essential consumer articles through cooperatives:

- -Establishment of infrastructure such as  shopping centre, diesel, Kerosene bunk /warehouse / new / expansion / modernization of wholesale consumer cooperative store / departmental consumer cooperative store / consumer federation
- -Purchase of furniture and fixture,  transport vehicles including refrigerated vans for distribution of consumer articles
- -Margin money / Working capital assistance

## f) Industrial:

- -All types of Industrial Cooperatives, Cottage & Village Industries, Handicrafts / rural crafts etc.

## g) Credit & Service Cooperatives/ Notified Services :

- -Agriculture Credit / Agriculture Insurance
- -Water Conservation works / services
- -Irrigation, micro irrigation in rural areas
- -Animal care / health /disease prevention
- -Rural Sanitation, Drainage, Sewage system through Cooperatives
- -Tourism, Hospitality, Transport
- -Generation &  Distribution  of  power  by New,  Non-Conventional  &  Renewable sources of energy
- -Rural Housing
- -Hospital / Health Care and Education
- -Creation of infrastructure for credit cooperatives

## h) Cooperative Banking Unit:

- -Assistance  to  PACS  for  creation  of  infrastructure  relating  to  Modern  Banking Unit.

## i) Agricultural Services :

- -Cooperative Farmers Service Centres
- -Agro Service Centres for Custom Hiring
- -Establishment of Agricultural inputs manufacturing and allied units
- -Irrigation / water harvesting programmes

## j) District Plan Schemes:

- -Integrated Cooperative Development Projects in selected districts

## k) Cooperatives for Weaker Sections:

- -Fisheries,  Dairy  &  Livestock,  Poultry,  Schedule  Caste,  Tribal  Cooperatives, Handloom, Coir, Jute, Sericulture, Women, Hill area, Tobacco & Labour
- l) Assistance for Computerisation of Cooperatives:
- -Assistance is provided for purchase / installation of computers/ hardware, system & application software, networking, maintenance cost, technical manpower and capacity development and training.
- m) Promotional and Developmental programmes:
- -Consultancy for studies / project reports, management studies,
- -Market survey & evaluation of programmes, etc.

*****

Annexure-III

## District-wise number of cooperatives in the State of Madhya Pradesh

|   S.No. | District     |   Total no. of Cooperatives |
|---------|--------------|-----------------------------|
|       1 | AGAR MALWA   |                         659 |
|       2 | ALIRAJPUR    |                         560 |
|       3 | ANUPPUR      |                         503 |
|       4 | ASHOKNAGAR   |                         358 |
|       5 | BALAGHAT     |                         975 |
|       6 | BARWANI      |                        1320 |
|       7 | BETUL        |                        1078 |
|       8 | BHIND        |                         763 |
|       9 | BHOPAL       |                        1713 |
|      10 | BURHANPUR    |                         731 |
|      11 | CHHATARPUR   |                        1215 |
|      12 | CHHINDWARA   |                        1117 |
|      13 | DAMOH        |                         791 |
|      14 | DATIA        |                         628 |
|      15 | DEWAS        |                        1493 |
|      16 | DHAR         |                        2107 |
|      17 | DINDORI      |                         540 |
|      18 | EAST NIMAR   |                         782 |
|      19 | GUNA         |                         656 |
|      20 | GWALIOR      |                        1486 |
|      21 | HARDA        |                         509 |
|      22 | INDORE       |                        3577 |
|      23 | JABALPUR     |                        1660 |
|      24 | JHABUA       |                         497 |
|      25 | KATNI        |                         409 |
|      26 | KHARGONE     |                        1269 |
|      27 | MANDLA       |                         920 |
|      28 | MANDSAUR     |                        1053 |
|      29 | MORENA       |                        1156 |
|      30 | NARMADAPURAM |                        1282 |
|      31 | NARSINGHPUR  |                         769 |
|      32 | NEEMUCH      |                         665 |
|      33 | Niwari       |                         159 |

| 34   | PANNA     |   525 |
|------|-----------|-------|
| 35   | RAISEN    |  1048 |
| 36   | RAJGARH   |  1738 |
| 37   | RATLAM    |   741 |
| 38   | REWA      |   965 |
| 39   | SAGAR     |  1499 |
| 40   | SATNA     |  1351 |
| 41   | SEHORE    |  1091 |
| 42   | SEONI     |   836 |
| 43   | SHAHDOL   |   766 |
| 44   | SHAJAPUR  |   874 |
| 45   | SHEOPUR   |   590 |
| 46   | SHIVPURI  |  1263 |
| 47   | SIDHI     |   474 |
| 48   | SINGRAULI |   940 |
| 49   | TIKAMGARH |   733 |
| 50   | UJJAIN    |  1624 |
| 51   | UMARIA    |   276 |
| 52   | VIDISHA   |   968 |
|      | Total     | 51702 |

*****

## Annexure-IV

## List of Multi-State Co-operative Societies from the State of Madhya Pradesh

|   S. No. | Name of the Society                                              | Address                                                                                                          | Sector        |
|----------|------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------|---------------|
|        1 | Mansa Development Cooperative Society Ltd                        | 41 SukhSagar, phase 4 colony, near Mittal College, Rasal, Kharod Bhopal 38, Madhya Pradesh                       | Agro          |
|        2 | Chambal Agriculture Marketing Cooperative Ltd                    | 525, Rajput Nagar, Bharouli road, Bhind, Madhya Pradesh 477001                                                   | Marketing     |
|        3 | Sharda Agro Multi State Cooperative Society Ltd                  | HB 79, Abhiruchi Parisar, Old Subhash Nagar, Bhopal, Madhya Pradesh                                              | Agro          |
|        4 | Gracious Multi State Agro Cooperative Society Ltd.,              | 54, Mishrilal Nagar, A.B. Road, Dewas- 455001 (Madhya Pradesh)                                                   | Agro          |
|        5 | Mastertech Multi State Group Housing Cooperative Society Ltd.,   | C/o Sanjay Mishra, Rajoriya Wala Road, Mahaveerpura, Javaharganj Dabra, Dist. Gwalior, Pin.475110 Madhya Pradesh | Housing       |
|        6 | RKR (Radhe Krishna Radhe) Agro Cooperative Society Ltd           | Ist Floor, above Vertex Marketing, Near Kisan Bajaj Segaon Fata, Barwani, Madhya Pradesh 451551                  | Agro          |
|        7 | Earth Vinayak Multi State Cooperative Society Ltd,               | H No 328, Shiv Dham, Near GallaMandi, Raigarh, Madhya Pradesh 465661                                             | Housing       |
|        8 | Sky Touch Cooperative Group Housing Society Ltd,                 | House No 23, Ghatkarpar Marg, 3rd Floor, Infront Of Vikram Library, Free Ganj Ujjain, Madhya Pradesh 456 010     | Housing       |
|        9 | Sakaar Shakti Agro Cooperative Society Limited,                  | 80, Station Road, Ratlam, Madhya Pradesh, 457001                                                                 | Agro          |
|       10 | Jan Sahara Multistate Agro Purpose Cooperative Society ltd.,     | 201-E, 2nd Floor, Corporate Zone, C21 Mall, Hoshangabad Road, Misroad, Bhopal, 462026 Madhya Pradesh             | Agro          |
|       11 | Kartavya Agrotech Cooperative Society Ltd.,                      | 39, Shanti Nagar, Berkhera Pathani, BHEL, Bhopal-462022, Madhya Pradesh                                          | Agro          |
|       12 | Creative India Multistate Agro Purpose Cooperative Society ltd., | H.No.176, Near Bahibganj Naka, Naryannagar, Hoshangabad Road, Bhopal- 462026, Madhya Pradesh                     | Agro          |
|       13 | Kissan Bharti Agro Purpose Cooperative Society Ltd.,             | Opp. DAV Higher Secondary School, Rajpayga Road, Naya Bazar, Laskar, Gwalior, Madhya Pradesh                     | Agro          |
|       14 | Sacrament Multistate Agropurpose Cooperative Society Ltd.,       | New Kishan Bag Bara Road, Bohodapur, Gwalior-474010, Madhya Pradesh                                              | Agro          |
|       15 | Saharayn Universal Multipurpose Society Limited                  | 195, Zone-1, In front of D.B. Mall, M.P. Nagar, Bhopal, Madhya Pradesh-462011                                    | Multi Purpose |
|       16 | Swaraj India Multipurpose Cooperative Society ltd.,              | 15-A, KalaniBagh, Dewas,-456001, Madhya Pradesh                                                                  | Multi Purpose |

|   17 | Chambal malwa Multi-State Credit Cooperative Society Ltd.,                        | Ward No.25, Gali No.1, Gayatri Colony, Pink Park, Gwalior, Madhya Pradesh                                                                                                | Credit              |
|------|-----------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------|
|   18 | Navkettan Agricultural marketing Coop.Society ltd                                 | Plot No.Z-9, Gurunanak Bhavan, M.P. Nagar, Zone-1, Bhopal-462011, Madhya Pradesh                                                                                         | Marketing           |
|   19 | DGR Credit Cooperative Society Ltd.,                                              | 8, Patrekar Colonyu, Link Road, 3, Bhopal, Madhya Pradesh                                                                                                                | Credit              |
|   20 | Sunshine Credit Cooperative Society Ltd.,                                         | Bhopal, Madhya Pradesh                                                                                                                                                   | Credit              |
|   21 | ADV Credit Cooperative Society Ltd.,                                              | 221-222 Indraprastha Tower, 6 MGRoad, Indore 452001 Madhya Pradesh                                                                                                       | Credit              |
|   22 | B.H.E.E. Thrift and Credit Cooperative Society ltd.,                              | Bachat Bhawan, Sector-A, Piplani, Bhopal, Madhya Pradesh                                                                                                                 | Credit              |
|   23 | Sardar Vallabhbhai Patel Multi State Food Processing Cooperative Federation Ltd., | 1 st Floor, 7A/2, M.G Road, Lane behind Ahinsa Tower, Indore-452 001 (Madhya Pradesh)                                                                                    | Agro                |
|   24 | Multi State Handloom Cooperative Society Ltd.,                                    | 401, Udaigiri Appartments, Bhaskar Lane, Jayandruganj, Gwalior Bhopal(MP)                                                                                                | Industrial/ Textile |
|   25 | State Bank of India(Bhopal Circle), Adhikari Sahkari Sakh Samiti Maryadit.        | c/o State Bank of India Local Head Office Hoshangabad Road Bhopal (M.P.) pin code- 462003                                                                                | Credit              |
|   26 | State Bank of India(Bhopal Circle), Karamchari Sahkari Sakh Samiti Maryadit.      | State Bank of India(Bhopal Circle) Karmchari Sahkari Sakh Samiti Maryadit Bhopal C/O State Bank Of India Local Head Office Mezanine Floor Hoshangabad Road Bhopal 462011 | Credit              |
|   27 | Non-Resident Indian Cooperative Housing Society(NRI-CHS) Ltd.,                    | Eaeon Chamber, 2, Malviya Nagar, Raj Bhawan Road, Bhopal                                                                                                                 | Housing             |
|   28 | Kamdhenu Dairy Multi State Cooperative Society Ltd.                               | Gwalior, Madhya Pradesh                                                                                                                                                  | Dairy               |
|   29 | Jawaharlal Nehru Sahkari Mill Ltd.                                                | Jalwania Road, Khargore, M.P.                                                                                                                                            | Industrial/ Textile |

*****

## Annexure-V

## Major Programmes / Conferences / Awareness sessions

|   S.No. | SUBJECT                                                                             | Date of event      |
|---------|-------------------------------------------------------------------------------------|--------------------|
|       1 | National Cooperative Conference, Delhi                                              | 25 September, 2021 |
|       2 | Inauguration of the 7th National Convention of Sahakar Bharti, Lucknow              | 17 December, 2021  |
|       3 | Co-operation Council and Agriculture Conference, Loni, Maharashtra                  | 18 December, 2021  |
|       4 | State Cooperative Conference, Bengaluru                                             | 01 April, 2022     |
|       5 | NCDFI's Golden Jubilee Celebration, Gandhinagar                                     | 10 April, 2022     |
|       6 | Model Cooperative Village Programme, Ahmedabad                                      | 10 April, 2022     |
|       7 | National Conference on Cooperative Policy, Delhi                                    | 12 April, 2022     |
|       8 | 'Cooperation to Prosperity' Conference Gandhinagar, Gujarat                         | 28 May, 2022       |
|       9 | Laying of Foundation stone of various projects of Panchamrit Dairy, Godhra, Gujarat | 29 May, 2022       |
|      10 | Laying the foundation stone of Cooperative Education Building (through VC)          | 03 June, 2022      |
|      11 | National Conclave organized by NAFCUB                                               | 23 June, 2022      |
|      12 | 100th International Cooperatives Day organized by NCUI                              | 04 July, 2022      |
|      13 | National Conference of ARDBs, New Delhi                                             | 16 July, 2022      |
|      14 | Launch of onboarding of cooperative societies on GeM portal                         | 09 August, 2022    |
|      15 | National Conference of Rural Cooperative Banks, New Delhi                           | 12 August, 2022    |
|      16 | National Conference organized by NAFED                                              | 22 August, 2022    |
|      17 | National Conference of State Cooperative Ministers                                  | 08 September, 2022 |
|      18 | World Dairy Summit-2022, Greater Noida                                              | 12 September, 2022 |
|      19 | Laying of foundation stone for KRIBHCO's Bio- Ethanol Project in Hazira, Surat      | 14 September, 2022 |
|      20 | Cooperative Dairy Conclave, Gangtok                                                 | 07 October, 2022   |
|      21 | 'Co-operation Beneficiary Conference', Bengaluru                                    | 30 December, 2022  |
|      22 | Laying of foundation stone of IFFCO Nano Urea Plant, Deoghar (Jharkhand)            | 04 February, 2023  |
|      23 | Golden Jubilee Celebration of CAMPCO, Puttar, Karnataka                             | 11 February, 2023  |
|      24 | Inauguration and foundation stone laying of various projects of HAFED, Karnal       | 14 February, 2023  |
|      25 | Dainik Sakaal's Cooperative Mega Conclave Pune, Maharashtra                         | 18 February, 2023  |
|      26 | 49th Dairy Industry Conference                                                      | 18 March, 2023     |
|      27 | Laying of foundation stone of Sahakar Samriddhi Soundha, Bengaluru                  | 24 March, 2023     |
|      28 | Computerization of M-PACS and inauguration of                                       | 30 March, 2023     |

|    | other project, Haridwar                                                                                                                |                   |
|----|----------------------------------------------------------------------------------------------------------------------------------------|-------------------|
| 29 | Conference with the Board of Directors of IFFCO, New Delhi                                                                             | 26 April, 2023    |
| 30 | Conference with Chairman and Members of the Board of NCUI, New Delhi                                                                   | 14 June, 2023     |
| 31 | NCUI's 17th Indian Cooperative General Conference, New Delhi                                                                           | 01 July, 2023     |
| 32 | 42nd Foundation Day Conference of NABARD, New Delhi                                                                                    | 12 July, 2023     |
| 33 | National Seminar on 'FPOs in Cooperative Sector' by NCDC, New Delhi                                                                    | 14 July, 2023     |
| 34 | Inauguration of Sahara Refund Portal, New Delhi                                                                                        | 18 July, 2023     |
| 35 | Launch of CSC services by PACS, Vigyan Bhawan, New Delhi                                                                               | 21 July, 2023     |
| 36 | Transfer of amount to depositors through Sahara Refund Portal, Atal Akshay Urja Bhawan, New Delhi                                      | 04 August, 2023   |
| 37 | Launch of digital portal of the Office of the Central Registrar of Cooperative Societies, Ministry of Co- operation, Pune, Maharashtra | 06 August, 2023   |
| 38 | Inauguration and foundation stone laying ceremony of IFFCO Nano DAP (Liquid) Plant Kandla, Gujarat                                     | 12 August, 2023   |
| 39 | Address meeting of the Board of Directors of KRIBHCO, Noida                                                                            | 18 August, 2023   |
| 40 | Meeting of the Board of Directors of NAFED, New Delhi                                                                                  | 24 August, 2023   |
| 41 | Sahakar Kisan Sammelan, Gangapur, Rajasthan                                                                                            | 26 August, 2023   |
| 42 | Review meeting on Cooperation with Uttarakhand State                                                                                   | 07 October, 2023  |
| 43 | NAFCUB Conference, Bharat Mandapam, New Delhi.                                                                                         | 12 October, 2023  |
| 44 | National Symposium on Promotion of Exports by Cooperative Sector organized by NCEL                                                     | 23 October, 2023  |
| 45 | National Symposium on production and promotion of certified seeds by cooperative sector organized by BBSSL.                            | 26 October, 2023  |
| 46 | National Symposium on Promotion of Organic Products through Cooperative Sector by NCOL, Pusa, New Delhi                                | 08 November, 2023 |