Lok Sabha Question No. 3509 (UNSTARRED), answered on 2024-12-17
Subject: Co-operative and Rural Economy
Ministry: COOPERATION
Asked by: Shri K Sudhakaran

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 3509 TO BE ANSWERED ON 17 th  DECEMBER, 2024

## Co-operative and Rural Economy

## 3509. Shri K Sudhakaran:

Will the Minister of Cooperation ( सहकारिता मंत्री ) be pleased to state:

(a) whether the Government recognises the potential of the co-operative sector in strengthening the rural economy.

(b)  if  so,  the  measures  taken  by  the  Government  to  support  and  promote  cooperatives  in  rural economy;

(c) the total amount of funds allocated to co-operative societies in rural areas over the last five years across various sectors, State-wise; and

(d) the manner in which the Government plans to generate employment in rural areas through cooperatives in the country?

## ANSWER

## THE MINISTER OF COOPERATION सहकारिता मंत्री (SHRI AMIT SHAH)

(a) & (b). Yes Sir . Ministry of Cooperation, since its inception on 6th July, 2021 has undertaken various  initiatives  and  reforms  to  empower  cooperative  societies  and  leverage  their  potential  in promoting all-round development of the cooperatives across the country. Ministry of Cooperation with  active  participation  of  various  States/  UTs  has  taken  various  initiatives  to  revitalize  and strengthen the cooperative sector across the country, the details of which are enclosed at AnnexureI .

(c) & (d). To strengthen the cooperatives, Ministry of Cooperation including NCDC has taken the following measures-

I.  Strengthening  of  PACS  through  ComputerizationTo strengthen PACS,  project for Computerization of 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 67,930 PACS from 30 States/ UTs have been sanctioned under the project. A total of 40,727 PACS have been onboarded on ERP Software and hardware has been procured by 29 States/UTs. the state-wise details of PACS approved and released amount under this project is at Annexure-II (A).

II. 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) spread across 13 States/ Union Territories has been approved by the Government. NABARD is the implementing agency for the project. So far, proposals from 10

States/UTs have been received and sanctioned. Further, GOI share amounting to Rs 4.26 crore has been  released  to  8  States/UTs  in  FY  2023-24  and  FY  2024-25  for  procurement  of  hardware, digitization and setting up of support system. The State-wise details of ARDBs approved and released amount under the project Computerization of Agriculture and Rural Development Banks (ARDBs) is at Annexure II (B) .

III.  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. So far, the Ministry has released Rs. 750 crore to NCDC (Rs. 500 crore in FY 2022-23 and Rs. 250 crore in FY 2024-25) under the scheme and as on 7.11.2024, NCDC has so far sanctioned Rs.8040.38 crore to 58 CSMs.

IV. National  Cooperative  Development  Corporation  (NCDC),  a  statutory  organization  under  the Ministry  of  Cooperation,  Government  of  India,  implements  Corporation  Sponsored  and  Central Sector Schemes for the development of Cooperatives in the rural areas of the country. The schemes implemented and activities covered by NCDC are enclosed at Annexure- II (C).

NCDC has  cumulatively  provided  Rs.378544.60  crore  for  the  development  of  the  cooperatives. Activity-wise and State-wise disbursement during the last 5 years is enclosed at Annexure- III and Annexure-IV. The  government's  approach  to  generating  employment  in  rural  areas  through cooperatives focuses on building sustainable, inclusive, and growth-oriented cooperatives in sectors such as agriculture, dairy, handicrafts, etc. Through skill development and infrastructure support, the cooperative model is leveraged to create a wide range of employment opportunities in rural India.

*****

ANNEXURE-I

## Progress on major initiatives taken by Ministry of Cooperation

Ministry of Cooperation, since its inception on 6 th July, 2021, has undertaken several initiatives to realize the vision of 'Sahakar-se-Samriddhi' and to strengthen & deepen the cooperative movement from Primary to Apex level Cooperatives in the country. List of initiatives taken and progress made so far are as follows:

## 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. So far, 32 States/ UTs have adopted Model Byelaws or their existing byelaws are in line with Model Byelaws.
2. Strengthening of PACS through Computerization :  In order to strengthen PACS, project for Computerization of 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 67,930 PACS from 30 States/ UTs have been sanctioned under the project. A total of 40,727 PACS have been onboarded on ERP Software and hardware has been procured by 29 States/UTs.
3. Establishing  New  Multipurpose  PACS/  Dairy/  Fishery  Cooperatives  in  uncovered Panchayats : The Government of India has approved the plan to establish new multipurpose PACS/dairy/fisheries cooperatives, aiming to cover all panchayats and villages in the country over  the  next  five  years.  This  initiative  is  supported  by  NABARD,  NDDB,  NFDB  and State/UT Governments. For effective implementation of the initiative, 'Margadarshika' has been launched on 19.9.2024, indicating the targets and timelines for stakeholders. As per National Cooperative Database, a total of 8,823 new PACS, Dairy and Fishery Cooperative Societies have been registered across the country since the approval of the plan on 15.2.2023.
4. World's Largest Decentralized Grain Storage Plan in Cooperative sector : Government has approved a plan to create warehouses, custom hiring centers, primary processing units and other agri infrastructure for grain storage at PACS level, through convergence of various GOI schemes, including 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. Under the pilot project, construction of godowns in 11 PACS of 11 States has been completed.
5. PACS as Common Service Centers (CSCs) for better access to e-services : An 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, 40,214 PACS have started providing CSC services to rural citizens.
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. Apart from this, 1,207 FPOs have been  formed in the cooperative sector by NCDC. This will be helpful in providing farmers with necessary market linkages 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), 286 PACS from 25 States/UTs have applied online for retail petrol/ diesel outlets.
8. PACS given permission to convert bulk consumer petrol pumps into retail outlets : The existing bulk consumer licensee PACS have been given a one-time option by Oil Marketing Companies to convert into retail outlets. As per information shared by OMCs, 109 wholesale consumer pump licensee PACS from 4 States have given consent for conversion into Retail Outlets, out of which 45 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 diversify their income stream.
10. PACS  as  PM  Bharatiya  Jan  Aushadhi  Kendra  for  improving  access  to  generic medicines  at  rural  level :  PACS  have  been  allowed  to  operate  Pradhan  Mantri  Bhartiya Janaushadhi Kendras (PMBJKs), which will provide additional income source to them and ease  the  access  to  quality  generic  medicines  for  rural  citizens.  So  far,  4,470  PACS/ cooperative societies have applied online for PMBJKs, out of which 2,705 PACS have been given initial approval by Pharmaceutical & Medical Devices Bureau of India (PMBI) and 755 PACS have received drug license from State Drug Controllers which are ready to function as PM Bhartiya Jan Aushadhi Kendras.
11. PACS  as  Pradhan  Mantri  Kisan  Samriddhi  Kendras  (PMKSK): PACS  have  been enabled to operate PMKSK for ensuring easy accessibility of fertilizer & related services to farmers in the country. As per the information shared by Department of Fertilizers (GOI) and States/ UTs, a total of 36,180 PACS are functioning as PMKSK.
12. PACS to carry out O&M of rural piped water supply schemes (PWS) : PACS have been made eligible to carry out the Operations & Maintenance (O&M) of PWS in rural areas. As per information received from States/ UTs, 1,227 PACS have been identified/ selected by 13 States/ UTs to provide O&M services at Panchayat/ Village level.
13. Convergence of PM-KUSUM at PACS level :  Farmers associated with PACS can adopt solar agricultural water pumps and install photovoltaic modules in their farms.
14. Micro-ATMs  to  Bank  Mitra  Cooperative  Societies  for  providing  doorstep  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, MicroATMs are also being given to these Bank Mitra Co-operative Societies with support from NABARD to provide 'Door-step Financial Services'. To facilitate effective implementation of the initiative, an SOP has been launched on 19 th September 2024. So far, 7,446 MicroATMs have been distributed to Bank Mitra cooperative societies in 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 to enable them to carry out other financial transactions. To facilitate effective implementation of the initiative, an SOP has been launched on 19 th September 2024. So far, 7,25,795 Rupay KCC have been distributed in the State of Gujarat.
16. Formation of Fish Farmer Producer Organization (FFPO) :  In order to provide market linkage and processing facilities to fishermen, NCDC has registered 70 FFPOs in the initial phase. In addition, Department of Fisheries, Government of India has allocated the work of converting  1000  existing  fisheries  cooperative  societies  into  FFPOs  to  NCDC,  with  an approved outlay of Rs. 225.50 crore.
17. White Revolution 2.0 : Ministry of Cooperation, Government of India, has launched a new initiative  of  'White  Revolution  2.0'  with  the  aim  of  enhancing  employment,  promoting women's empowerment and improving milk production through cooperative societies. The key  objectives  of  this  initiative  are  50%  increase  in  procurement  of  milk  by  dairy cooperatives, providing market access to dairy farmers in areas that have not yet been covered by the organized dairy sector and promoting the share of dairy cooperative societies in the organized dairy sector. Ministry of Cooperation, in collaboration with the National Dairy Development Board (NDDB), has prepared and launched an SOP on 19 th September, 2024 to guide the effective implementation of this initiative.
18. Atmanirbharta Abhiyan : Ministry of Cooperation has launched the initiative to incentivize production of pulses (tur, masur and urad) to reduce dependency on imports, and production of  maize  to  be  used  for  production  of  ethanol  for  meeting  the  goal  of  Ethanol  Blending Programme  (EBP).  National  Cooperative  Consumer  Federation  (NCCF)  and  National Agricultural  Cooperative  Marketing  Federation  of  India  (NAFED)  are  the  central  nodal agencies  under  this  initiative,  and  have  developed  Esamyukti  (NCCF)  and  Esamridhi (NAFED) portals  respectively,  for  registration  of  farmers  through  cooperatives.  For  preregistered farmers of tur, urad and masur pulses, the Government has guaranteed to procure 100% of the produce at Minimum Support Price (MSP). However, if market prices exceed the MSP, farmers are free to sell their produce in the open market for higher profits. Similarly, both  the  agencies  guarantee  100%  procurement  of  maize  from  pre-registered  farmers throughout all three seasons - Kharif, Zaid, and Rabi, thus ensuring a steady supply of maize to ethanol distilleries and at the same time also encouraging farmers to cultivate maize. As of today, 15,38,704 farmers have already registered on the Esamyukti.in portal of NCCF and 17,64,130 on the Esamridhi portal of NAFED.

## B. Strengthening the Urban and Rural Cooperative Banks

19. Urban Cooperative Banks (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.
20. UCBs have been allowed by RBI to offer doorstep services to their customers: Door step banking facility can now be provided by UCBs. Account holders of 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.
21. 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 the process for settlement with borrowers, along with technical write-off.
22. 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.
23. 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.
24. Individual  housing  loan  limit  more  than  doubled  by  RBI  for  Rural  and  Urban Cooperative Banks:
- a. Housing loan limit of Urban Cooperative Banks has now been doubled from Rs. 30 lakh to Rs.60 lakhs.
- b. Housing loan limit of Rural Cooperative Banks has been increased to two and a half times to Rs.75 lakhs.
25. Rural Cooperative Banks will now be able to lend to commercial real estate/ residential housing  sector,  thereby  diversifying  their  business :  This  will  not  only  help  Rural Cooperative Banks to diversify their business, but will benefit Housing cooperative societies also.
26. 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 through biometrics.
27. Non-scheduled  UCBs,  StCBs  and  DCCBs  notified  as  Member  Lending  Institutions (MLIs)  in  CGTMSE  Scheme  to  increase  the  share  of  cooperatives  in  lending: 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 cooperative banks now.

28. Notification of Scheduling norms for including Urban Cooperative 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.
29. 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.
30. 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 operational support to around 1,500 UCBs.

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

31. 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.
32. MAT reduced for cooperatives from 18.5% to 15%: With this provision, now there is parity between Cooperative Societies and Companies in this regard.
33. 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.
34. 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.
35. 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.
36. 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 their liquidity.

## D. Revival of Cooperative Sugar Mills

37. Relief from Income Tax to Sugar Cooperative Mills : Government has issued a clarification that cooperative sugar 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.
38. 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 them a relief of more than Rs.46,000 crore.
39. 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. So far, the Ministry has released Rs. 750 crore to NCDC (Rs. 500 crore in FY 2022-23 and Rs. 250 crore in FY 202425) under the scheme and as on 7.11.2024, NCDC has so far sanctioned Rs.8040.38 crore to 58 CSMs.
40. 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).
41. 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 their members by selling molasses to distilleries with higher margins.

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

42. 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. BBSSL so far has planted breeder seeds of Wheat, Mustard, and Pulses (Gram, Pea) on 366 Hectare land during Rabi season.  Similarly,  during  Kharif  season  breeder  seeds  of  Paddy,  Moong,  Soyabean, Groundnut, Jowar and Guar have been planted on 148.26 Hectare land. So far, 14,816 PACS/ Cooperative Societies have become members of BBSSL.
43. 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. So far, 3,772 PACS/ cooperative societies have become members of NCOL. NCOL has launched 13 products i.e., Whole Wheat Flour, Moong Dhuli,  Moong Whole, Moog Chilka Dal, Moog Split, Arhar/Toor Dal, Urad Whole, Urad Dal, Masoor Whole, Masoor Malka,Brown Chana, Rajma Chitra, Chana Dal under 'Bharat Organics Brand'.
44. 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.  So  far,  5,438  PACS/ cooperative societies have become members of NCEL. Till date, NCEL has achieved a total export quantity of commodities (rice, sugar, onion, wheat, maize and Jeera) of 11,62,728 Metric tonnes with an exported value of Rs. 4,581.7 crore.

## F. Capacity Building in Cooperatives

45. Promotion  of  training  and  awareness  through  National  Council  for  Cooperative Training (NCCT) : By increasing its reach, NCCT has conducted 1,937 training programs and provided training to 1,09,021 participants till October 2024.

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

46. 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.
47. Scheme for computerization of office of RCSs in States/Union Territories : To increase 'Ease  of  doing  business'  for  Cooperative  Societies  and  create  a  digital  ecosystem  for transparent paperless regulation in all the States/ Union Territories, a Centrally Sponsored Project for computerization of RCS Offices has been approved by the Government. Grants are provided for purchase of hardware, development of software, etc. to the States/ UTs. So far, proposals received from 35 States/ UTs have been sanctioned by GOI.
48. 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)  spread  across  13  States/  Union Territories has been approved by the Government. NABARD is the implementing agency for the project. So far, proposals from 10 States/UTs have been received and sanctioned. Further, GOI share amounting to Rs 4.26 crore has been released to 8 States/UTs in FY 2023-24 and FY 2024-25 for procurement of hardware, digitization and setting up of support system.

## H. Other Initiatives

49. 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  more  than  8  lakh cooperatives has been captured in the database.
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. Cooperative  Ombudsman: Following  the  amendment  in  the  Multi-State  Cooperative Societies (MSCS) Act, 2002, Cooperative Ombudsman has been appointed under Section 85A of the said Act vide gazette notification dated 05.03.2024. The Ombudsman office is fully functional and deals with complaints or appeals, from members of the MSCS regarding their deposits, equitable benefits of the Multi-State Co-operative Society's functioning or any other issue affecting the individual rights of the concerned member.
52. Cooperative  Election  Authority  (CEA): Following  the  amendment  in  the  Multi-State Cooperative Societies (MSCS) Act, 2002, the Cooperative Election Authority has been set up to strengthen governance and accountability, with a mandate to conduct free and fair election in all MSCSs. Elections in more than 60 MSCS have been conducted successfully.
53. Inclusion  of  Cooperatives  as  'buyers'  on  GeM  portal :    Government  has  permitted cooperatives to register as 'buyer' on GeM, enabling them to procure goods and services from over 67 lakhs vendors to facilitate economical purchases and greater transparency. So far, 574 cooperative societies have been onboarded on GeM as buyers. To date, 2,406 transactions have been done with transaction amount of Rs. 273.62 crores.
54. Expansion of National Cooperative Development Corporation (NCDC) to increase its range  and  depth : NCDC  has  launched  new  schemes  in  various  sectors such as 'SwayamshaktiSahkar' for SHGs; 'Deerghavadhi Krishak Sahkar' for long term agricultural credit and 'Dairy Sahkar' for dairy. During the current FY 2024-25, so far, total financial assistance of Rs. 52,533 crores has been disbursed by NCDC.
55. 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. 25.95 crore for purchase of total 44 deep sea trawlers for the Fisheries Cooperative Societies of Maharashtra and Gujarat State.
56. 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.  Disbursements  have  already  started  after  proper  identification  and submission  of  proof  of  their  deposits  and  claims.  So  far,  Rs.1248.71  crores  have  been disbursed to 8.23 lakhs applicants.

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State-wise details of PACS approved and released amount under the project Strengthening of PACS through Computerization-

|   Serial No. | State             | No. of packs approved   |   Government of India's share released ( Rs. in crore ) |
|--------------|-------------------|-------------------------|---------------------------------------------------------|
|            1 | Andhra Pradesh    | 2,037                   |                                                   18.67 |
|            2 | Arunachal Pradesh | 14                      |                                                    0.27 |
|            3 | Assam             | 583                     |                                                   12.16 |
|            4 | Bihar             | 4,495                   |                                                   32.95 |
|            5 | Chhattisgarh      | 2,028                   |                                                   25.07 |
|            6 | Goa               | 58                      |                                                    0.45 |
|            7 | Haryana           | 710                     |                                                    7.29 |
|            8 | Himachal Pradesh  | 1,789                   |                                                   16.88 |
|            9 | Jharkhand         | 1,500                   |                                                   18.54 |
|           10 | Karnataka         | 5,491                   |                                                   55.64 |
|           11 | Madhya Pradesh    | 4,536                   |                                                   58.65 |
|           12 | Maharashtra       | 12,000                  |                                                  121.6  |
|           13 | Manipur           | 232                     |                                                    2.55 |
|           14 | Meghalaya         | 112                     |                                                    1.23 |
|           15 | mizoram           | 25                      |                                                    0.71 |
|           16 | Nagaland          | 231                     |                                                    2.82 |
|           17 | Punjab            | 3,482                   |                                                   25.52 |
|           18 | Rajasthan         | 6,781                   |                                                   67.08 |
|           19 | Sikkim            | 107                     |                                                    2.08 |
|           20 | Tamil Nadu        | 4,532                   |                                                   45.68 |
|           21 | Tripura           | 268                     |                                                    5.59 |
|           22 | Uttar Pradesh     | 5,686                   |                                                   53.58 |

| Serial No.   | State                                    | No. of packs approved   | Government of India's share released ( Rs. in crore )   |
|--------------|------------------------------------------|-------------------------|---------------------------------------------------------|
| 23           | West Bengal                              | 4,167                   | 30.54                                                   |
| 24           | Uttarakhand                              | 670                     | 3.69                                                    |
| 25           | Gujarat                                  | 5,754                   | 80.49                                                   |
| 26           | Jammu and Kashmir                        | 537                     | 8.62                                                    |
| 27           | Puducherry                               | 45                      | 0.61                                                    |
| 28           | Andaman and Nicobar                      | 46                      | 0.69                                                    |
| 29           | Ladakh                                   | 10                      | 0.12                                                    |
| 30           | Dadra and Nagar Haveli and Daman and Diu | 4                       | 0.12                                                    |
| 31           | Chandigarh                               | ,                       | ,                                                       |
| 32           | Odisha                                   | ,                       | ,                                                       |
| 33           | Telangana                                | ,                       | ,                                                       |
| 34           | Kerala                                   | ,                       | ,                                                       |
| Total        | Total                                    | 67,930                  | 699.89                                                  |

## Annexure II (B)

State-wise details of ARDBs approved and released amount under the project Computerization of Agriculture and Rural Development Banks (ARDBs)-

| S.no.   | State            | Total No. of UNITS (ARDBs) Sanctioned   |   Total GoI Share released (FY 2023-24 and 2024-25) |
|---------|------------------|-----------------------------------------|-----------------------------------------------------|
| 1.      | Puducherry       | 2                                       |                                              389630 |
| 2.      | Punjab           | 113                                     |                                             4675558 |
| 3.      | Jammu &Kashmir   | 51                                      |                                             2635731 |
| 4.      | Tripura          | 6                                       |                                              386765 |
| 5.      | Uttar Pradesh    | 342                                     |                                            12720267 |
| 6.      | Karnataka        | 207                                     |                                             8027519 |
| 7.      | Tamil Nadu       | 216                                     |                                             8192106 |
| 8       | Haryana          | 90                                      |                                                   0 |
| 9.      | Himachal Pradesh | 88                                      |                                             5610032 |
| 10.     | Gujarat          | 195                                     |                                                   0 |
| 11.     | Rajasthan        |                                         |                                                   0 |
| 12.     | West Bengal      |                                         |                                                   0 |
| 13.     | Kerala           |                                         |                                                   0 |
|         | Total            | 1310                                    |                                            42637608 |

## PART A: CORPORATION SPONSORED SCHEME

## ACTIVITIES ASSISTED:

NCDC provides financial  assistance  in  the  form  of  loans  (both  Term  Loans  and  Investment Loans) and subsidy to the cooperative societies for their development.  The loan component is provided from out of NCDC's own funds while the eligible subsidy is provided after dovetailing from other Central Sector Schemes. The list of activities assisted by NCDC is as under:-

- a) Marketing;
- b) Processing;
- c) Storage;
- d) Cold Chain;
- e) Industrial;
- f) Distribution of essential consumer articles through cooperatives;
- g) Credit & Service Cooperatives/ Notified Services;
- h) Cooperative Banking Unit;
- i) Agricultural Services;
- j) District Plan Schemes;
- k) Weaker Section Cooperatives;
- l) Assistance for Computerization of Cooperatives;
- m) Promotional and Developmental programmes.

## FOCUSSED PRODUCTS OF NCDC

- a) YUVA SAHAKAR - Cooperative Enterprise Support and Innovation Scheme: The scheme  aims  at  encouraging  newly  formed  cooperative  societies  with  new  and/  or innovative ideas.
- 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 the socio-economic status of women  and  supports  the  entrepreneurial  dynamism  of  women  through  women's 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  the  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 the Government of India / State / UT / agencies with the objective of cooperatives actively partaking in Digital India.
- f) SWAYAM SHAKTI SAHAKAR YOJNA: 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: 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 .

## PART B: SCHEMES OF MOC and OTHER MINISTRIES / DEPARTMENTS BEING IMPLEMENTED BY NCDC

- a) Grant in aid to NCDC for strengthening of the Cooperative Sugar MillsMinistry of Cooperation.
- b) Agricultural Marketing Infrastructure (AMI) sub-scheme of Central Sector Integrated Scheme  on  Agriculture  Marketing  (CSISAM)for  Storage  and  other  than  Storage Infrastructure - Ministry of Agriculture & Farmer's Welfare.
- c) Mission  for  Integrated  Development  of  Horticulture  (MIDH)  -  Integrated  Post Harvest Management Ministry of Agriculture & Farmer's Welfare.
- d) Interest Subvention  &  Credit  Guarantee  through  Financing  Facility  under Agriculture Infrastructure Fund scheme - Ministry of Agriculture & Farmers' Welfare.
- e) Assistance for Boosting the Seed Production component under the Sub-Mission for Seed and Planting Material (SMSP) of the National Mission on Agricultural Extension and Technology (NMAET).
- f) PM  MatsyaSampada  Yojana  (PMMSY) -  Department  of  Fisheries,  Ministry  of Fisheries, Animal Husbandry and Dairying.
- g) PM Formalisation of Micro Food Processing Enterprises (PMFME )  -  Ministry  of Food Processing Industries.
- h) Scheme for Formation and Promotion of 10,000 Farmer Producer Organizations (FPOs) Ministry of Agriculture & Farmer's Welfare.
- i) (i) Pradhan Mantri Kisan Sampada Yojna (PMKSY) - Scheme for Food Processing and Value Addition Ministry of Food Processing Industries. (ii) Pradhan Mantri Kisan Sampada Yojna (PMKSY) - Integrated Cold Chain and Value Addition Infrastructure Scheme Ministry of Food Processing Industries.
- j) National  Scheduled  Tribes  Finance  and  Development  Corporation  (NSTFDC) -Ministry of Tribal Affairs.
- k) National  Livestock  Mission  (NLM)  and  Rashtriya  Gokul  Mission  (RGM)  Department  of  Animal  Husbandry  and  Dairying, Ministry of Fisheries,  Animal Husbandry & Dairying.
- l) Re-aligned Animal Husbandry Infrastructure Development Fund (AHIDF), Ministry of Fisheries, Animal Husbandry & Dairying

## Activity Wise Disbursement Since 2019-20 to 2024-25 (as on 10.12.2024)

## Annexure-III

Rs. In Crore

| S.No.   | Activity               | Activity                | 2019-20   | 2020-21   | 2021-22   | 2022-23   | 2023-24   | 2024-25 (as on 10.12.2024)   |
|---------|------------------------|-------------------------|-----------|-----------|-----------|-----------|-----------|------------------------------|
| 1       | Marketing              | Marketing               | 15235.42  | 19576.38  | 26705.60  | 27984.74  | 52916.88  | 56336.79                     |
|         | Inputs                 | Inputs                  | 462.24    | 29.41     | 74.05     | 46.96     | 2.75      |                              |
| 2       | Processing             | Processing              |           |           |           |           |           |                              |
| 2(A)    | Sugar Factories        | Sugar Factories         | 1821.14   | 1542.44   | 1316.71   | 694.25    | 2176.31   | 2493.56                      |
| 2(B)    | Textile                | Textile                 | 129.32    | 96.40     | 24.94     | 104.25    | 44.35     | 107.41                       |
| 2(C)    | Other Processing Units | Other Processing Units  |           |           |           |           |           |                              |
|         | i                      | Foodgrains              | 1.06      | 1.07      |           | 0.85      | 1.44      | 1.15                         |
|         | ii                     | Plantation Crops        | 7.56      | 2.21      | 2.14      | -         | 1.31      | 0.38                         |
|         | iii                    | Fruit &Vegetables       | 1.03      | 0.14      | 0.05      | -         | 0.12      | 0.16                         |
|         | iv                     | Oilseeds                | 3.25      | 1.65      |           | 0.68      | 0.17      | 0.54                         |
|         | v                      | Small scale indistries  |           |           |           | 0         | 0.00      | 0.00                         |
|         |                        | Sub total 2(C)          | 12.89     | 5.07      | 2.19      | 1.53      | 3.04      | 2.23                         |
|         | Total (2)              | Total (2)               | 1,963.36  | 1,643.91  | 1,343.84  | 800.02    | 2223.70   | 2603.20                      |
| 3       | Storage                | Storage                 | 17.25     | 7.29      | 7.72      | 4.84      | 8.08      | 32.02                        |
| 4       | Cold Chain             | Cold Chain              | 7.36      |           |           | -         | 11.06     | 10.20                        |
| 5       | Weaker Section Prog.   | Weaker Section Prog.    |           |           |           |           |           |                              |
|         | i                      | Fishery Cooperative     | 163.63    | 119.18    | 168.76    | 298.91    | 41.33     | 22.42                        |
|         | ii                     | Dairy/Livestock         | 415.33    | 168.50    | 569.16    | 264.70    | 301.45    | 26.52                        |
|         | iii                    | Poultry                 | 4.61      |           |           | -         | 0.00      | 0.00                         |
|         | iv                     | Tribal, S/C Cooperative | 3.15      |           |           | -         | 1.69      | 0.56                         |

|      | v                        | Handloom Cooperative     | 2.39      | 0.90      | 102.46    | 28.57     | 0.23      | 0.52      |
|------|--------------------------|--------------------------|-----------|-----------|-----------|-----------|-----------|-----------|
| vi   |                          | Powerloom                |           |           |           |           | 0.00      | 0.00      |
| vii  | Women Cooperative        |                          | -         | -         | -         | -         | 0.00      | 0.00      |
| vii  |                          | Coir                     | 80.00     |           | 30.00     | -         | 0.00      | 0.00      |
| viii |                          | Jute                     | -         | -         | -         | 8.76      | 0.05      | 0.06      |
|      |                          | Total (5)                | 669.11    | 288.57    | 870.38    | 600.94    | 344.75    | 50.08     |
| 6    | Computerisation of Coop. | Computerisation of Coop. | 36.52     | 30.87     | 25.06     | 45.02     | 0.42      | 0.00      |
| 7    | Consumer Coop.           | Consumer Coop.           | 3.39      | 0.89      | 2.69      | 1.40      | 4.13      | 0.00      |
| 8    | ICDP                     | ICDP                     | 175.14    | 152.61    | 283.06    | 177.87    | 23.26     | 0.07      |
| 9    | C,IC&SC                  | C,IC&SC                  |           |           |           |           |           |           |
| i    |                          | Industrial Cooperative   |           |           |           | -         | 0.00      | 0.00      |
|      | ii                       | Credit &Service          | 9,129.28  | 2,996.23  | 4,894.20  | 11,322.30 | 5000.77   | 6256.93   |
|      | Total (9)                | Total (9)                | 9,129.28  | 2,996.23  | 4,894.20  | 11,322.30 | 5000.77   | 6256.93   |
| 10   | Yuva Sahakar             | Yuva Sahakar             |           | 0.27      |           | 0.10      | 0.84      | 0.04      |
| 11   | P&D                      | P&D                      | 4.38      | 4.48      | 6.45      | 6.15      | 6.75      | 0.00      |
| 12   | FPO                      | FPO                      |           | 2.32      | 8.04      | 38.25     | 48.33     | 38.08     |
| 13   | FFPO                     | FFPO                     |           |           |           | 2.81      | 26.73     | 18.76     |
|      | GRAND TOTAL (1 to14)     | GRAND TOTAL (1 to14)     | 27,703.43 | 24,733.24 | 34,221.08 | 41,031.40 | 60,618.47 | 65,346.17 |

State-wise Disbursement Since 2019-20 to 2024-25 (as on 10.12.2024)

Annexure-IV

Rs. In Crore

| S.No.          | Name of the State   | 2019-20   | 2020-21   | 2021-22   | 2022-23   | 2023-24   | 2024-25 (As on 10.12.2024)   |
|----------------|---------------------|-----------|-----------|-----------|-----------|-----------|------------------------------|
| 1              | A&N                 | 10.28     | -         |           | 0         | 1.69      | 0.56                         |
| 2              | Andhra Pradesh      | 405.62    | 603.98    | 2,831.59  | 9734.7    | 13,280.13 | 13,332.55                    |
| 3              | Arunachal Pradesh   | 7.56      | 1.44      | 0.25      | 0.38      | -         | 0.07                         |
| 4              | Assam               | 14.34     | 5.59      | 3.57      | 17.48     | 0.89      | 1.71                         |
| 5 Bihar        |                     | 454.40    | 1,633.60  | 2,857.90  | 4053.75   | 815.83    | 5.49                         |
| 6              | Chandigarh          |           |           | 0.03      | 0.03      | -         | -                            |
| 7 Chhattisgarh | 5,500.35            |           | 12,000.07 | 12,400.87 | 8502.24   | 18,991.35 | 12,130.81                    |
| 8 Daman        | &Diu                |           |           |           | 0         | 0.11      | -                            |
| 9 Goa          | 0.11                |           | 0.19      |           | 0         | -         | 0.03                         |
| 10 Gujarat     |                     | 118.34    | 52.25     | 37.40     | 370.8     | 586.99    | 259.75                       |
| 11             | Haryana             | 6,608.58  | 6,645.11  | 12,827.75 | 6655.24   | 9,887.36  | 12,380.50                    |
| 12             | Himachal Pradesh    | 59.69     | 36.90     | 14.74     | 12.91     | 1.85      | 3.38                         |
| 13             | J&K                 | -         | -         | 0.13      | 0.58      | 0.71      | 0.75                         |
| 14             | Jharkhand           | 8.25      | 0.92      | 1.79      | 4.63      | 2.54      | 27.77                        |
| 15             | Karnataka           | 151.67    | 170.69    | 164.49    | 112.54    | 261.35    | 430.98                       |
| 16             | Kerala              | 363.89    | 303.54    | 371.85    | 704.74    | 275.89    | 582.34                       |
| 17             | Lakshadweep         |           |           |           |           |           | 0.02                         |
| 18 Madhya      | Pradesh             | 1,081.70  | 208.36    | 477.10    | 284.4     | 322.86    | 153.42                       |
| 19             | Maharashtra         | 1,015.07  | 1,145.59  | 688.07    | 751.16    | 2,101.42  | 2,482.71                     |
| 20             | Manipur             | 4.79      | -         | 0.04      | 30.38     | 6.60      | 0.39                         |

| 21   | Meghalaya      | -         | 57.80     | 0.04      | 0.14      | 0.22      | 0.12      |
|------|----------------|-----------|-----------|-----------|-----------|-----------|-----------|
| 22   | Mizoram        | -         | 2.16      | 1.06      | 4.23      | 3.24      | 1.16      |
| 23   | Nagaland       | 13.37     | 6.07      | 0.17      | 1.2       | 0.67      | 0.50      |
| 24   | Odisha         | 3.75      | 0.80      | 4.06      | 1.61      | 3.24      | 3.11      |
| 25   | Punjab         | 135.28    | 22.77     | 0.13      | 0.42      | 1,650.44  | 2,000.22  |
| 26   | Puducherry     |           |           |           | 0.06      | -         | -         |
| 27   | Rajasthan      | 7,256.74  | 157.80    | 7.79      | 4.91      | 66.09     | 66.65     |
| 28   | Sikkim         |           |           | -         | 0.14      | 0.22      | 0.05      |
| 29   | Tamil Nadu     | 21.24     | 21.58     | 50.75     | 30.49     | 4.28      | 17.98     |
| 30   | Telangana      | 3,568.83  | 739.88    | 1,092.20  | 9304.97   | 12,174.11 | 20,982.02 |
| 31   | Tripura        | 3.05      | 3.20      | 3.00      | 12.35     | 1.55      | 0.86      |
| 32   | Uttar Pradesh  | 673.10    | 827.95    | 252.33    | 350.24    | 13.04     | 207.15    |
| 33   | Uttarakhand    | 12.34     | 17.22     | 80.36     | 10.5      | 149.13    | 3.88      |
| 34   | West Bengal    | 128.35    | 59.13     | 44.16     | 63.36     | 4.96      | 2.69      |
| 35   | Delhi + Others | 82.74     | 8.61      | 7.46      | 10.82     | 9.71      | 266.55    |
|      | Total          | 27,703.43 | 24,733.24 | 34,221.08 | 41,031.40 | 60,618.47 | 65,346.17 |