Lok Sabha Question No. 3093 (UNSTARRED), answered on 2023-08-08
Subject: Promotion of Cooperative Movement by NCDC
Ministry: COOPERATION
Asked by: Santosh Pandey, Dharmendra Kumar Kashyap, Chunni Lal Sahu

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 3093 TO BE ANSWERED ON 08/08/2023

## Promotion of Cooperative Movement by NCDC

## 3093. SHRI SANTOSH PANDEY: SHRI DHARMENDRA KASHYAP: SHRI CHUNNI LAL SAHU:

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

(a) the details of the National  Cooperative Development Corporation (NCDC) scheme to promote cooperative movement in the country including in Chhattisgarh;

(b) the details and the number of loans  disbursed by NCDC during the last three year, State-wise; and

(c) the  details  and  the  number  and  amount  of  such  loans  disbursed  to  the  States  of Madhya Pradesh and Chhattisgarh, district-wise?

## ANSWER

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

(a):  National Cooperative Development Corporation (NCDC), a statutory corporation under the Ministry of Cooperation, Government of India was established on 14.03.1963 under an Act of Parliament (NCDC Act of 1962) to promote cooperative movement and for economic development  through  cooperative societies across the country including the state of Chhattisgarh.

The major objective of the Corporation is to promote, strengthen and develop farmer cooperatives for increasing production and productivity and instituting post harvest facilities. The Corporation's focus is on programmes of agricultural marketing and inputs, processing, storage, cold chain and marketing of agriculture produce and the supply of seeds, fertilizer and other agricultural inputs etc. In the non-farm sector, the Corporation endeavors to equip cooperatives  with  facilities  to  promote  income  generating  activities,  with  special  focus  on weaker sections  such as dairy, livestock, handloom, sericulture,  poultry,  fishery,  scheduled caste  &  scheduled  tribes,  women  cooperatives,  etc.  Details  of  various  Central  Sector  and other Schemes being implemented by NCDC, are enclosed at Annexure-1.

In addition, Ministry of Cooperation with active participation of various States/ UTs has  taken  various  initiatives  to  revitalize  and  strengthen  the  cooperative  sector  across  the country and to achieve the vision of 'Sahakar se Samriddhi', as mentioned at Annexure-2.

(b): State-wise details and number of loans disbursed by NCDC during the last three years (2020-21, 2021-22 and 2022-23) is enclosed at Annexure-3.

(c): District-wise details and number of loans disbursed by NCDC during the last three years (2020-21,  2021-22  and  2022-23)  to  the  States  of  Madhya  Pradesh  and  Chhattisgarh  is enclosed at Annexure-4 and Annexure-5 respectively.

## SCHEMES IMPLEMENTED BY NCDC

## A.     Central Schemes Implemented:

- 1) Scheme for Formation and Promotion of 10,000 Farmer Producer Organizations (FPOs) - Ministry of Agriculture and Farmers Welfare
- 2) Fisheries & Aquaculture Infrastructure Development Fund (FIDF) Scheme - Ministry of Fisheries, Animal Husbandry and Dairying
- 3) Pradhan  Mantri  Matsya  Sampada  Yojana  (PMMSY) -Ministry of Fisheries, Animal Husbandry and Dairying
- 4) Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PM FME)Ministry of Food Processing Industries
- 5) Pradhan Mantri Kisan Sampada Yojna (PM KSY) Integrated  Cold  Chain and  Value  Addition  Infrastructure  Scheme  -  Ministry  of  Food  Processing Industries
- 6) Agricultural  Marketing  Infrastructure  (AMI)  -  Storage  Infrastructure , Sub-Scheme  of  Central  Sector  Integrated  Scheme  on  Agriculture  Marketing (ISAM) - Ministry of Agriculture & Farmers' Welfare
- 7) Agricultural Marketing Infrastructure (AMI) -other than Storage Infrastructure , Sub-Scheme of Central Sector Integrated Scheme on Agriculture Marketing (ISAM)- Ministry of Agriculture & Farmers' Welfare
- 8) Mission  for  Integrated  Development  of  Horticulture  (MIDH) /National Horticulture Board (NHB) / National Horticulture Mission (NHM)- Ministry of Agriculture and Farmers Welfare
- 9) National Beekeeping and Honey Mission (NBHM)Ministry of Agriculture and Farmers Welfare
- B. NCDC Sponsored Schemes/Activities Assisted:
- 1) Marketing
- 2) Processing
- 3) Storage
- 4) Cold Chain
- 5) Distribution of essential consumer articles through cooperatives
- 6) Industrial
- 7) Credit & Service Cooperatives/ Notified Services
- 8) Cooperative Banking Unit
- 9) Agricultural Services
- 10) District Plan Schemes: Integrated Cooperative Development Projects in selected districts
- 11) Cooperatives  for  Weaker  Sections: Fisheries,  Dairy  &  Livestock,  Poultry, Schedule Caste, Tribal Cooperatives, Handloom,  Coir, Jute, Sericulture, Women, Hill area, Tobacco & Labour
- 12) Assistance for Computerization of Cooperatives
- 13) Yuva Sahakar - Cooperative Enterprise Support And Innovation Scheme
- 14) Ayushman Sahakar -  For Healthcare Sector
- 15) Nandini Sahakar - For Women Cooperatives
- 16) Digital Sahakar
- 17) Dairy Sahakar
- 18) Krishak  Dirghawadhi  Punji  Sahakar  Yojana -  for  extending  long  Term Loan to Agricultural Credit Cooperatives
- 19) Swayam Shakti Sahakar Yojana - for strengthening women Self Help Groups through Credit Cooperatives.
- 20) Promotional and Developmental programmes

*****

## A. Making  Primary Cooperatives transparent and economically vibrant (14 initiatives)

1. Model  Bye-Laws  for  PACS  making  them  multipurpose,  multidimensional  and transparent entities :  Prepared and circulated to all the States/ UTs for adoption as per their  respective  State  Cooperatives  Act  to  enable  PACS  to  undertake  more  than  25 business activities. Model byelaws have been adopted by 27 States/ UTs.
2. Strengthening of PACS through Computerization :  Process  to  onboard 63,000 PACS on an ERP based national software, with an outlay of ₹2,516 Crore started.
3. New Multipurpose PACS/ Dairy/ Fishery Cooperatives in uncovered Panchayats : A plan  has  been  approved  to  set  up  2  lakh  new  multi-purpose  PACS  or  primary  dairy/ fisheries cooperatives covering every Panchayat/ village in the next five years.
4. World's Largest Decentralized Grain Storage Plan in Cooperative Sector to ensure food security :  Pilot  Project is  under implementation to  create godowns and other agriinfra for grain storage at PACS level.
5. PACS as Common Service Centers (CSCs) for better access to e-services : More than 17,000  PACS  onboarded  as  CSC  to  improve  their  viability,  provide  e-services  and generate employment in rural areas.
6. Formation  of  new  Farmer  Producer  Organization  (FPOs)  by  PACS :  Approval  of 1,100 additional FPOs by PACS in those blocks where FPOs have not yet been formed or the blocks are not covered by any implementing agency.
7. PACS given priority for Retail Petrol/ diesel outlets : PACS have been included in the Combined Category 2 (CC2) for allotment of retail petrol/ diesel outlets. Existing PACS with wholesale petrol pump license permitted to convert into retail outlets.
8. PACS eligible for LPG Distributorship for diversifying its activities : PACS have now been allowed to apply for LPG Distributorships.
9. PACS as Jan Aushadhi Kendra for improving access to generic medicines at rural level :  For providing additional income source to PACS, they have also been allowed to operate Pradhan Mantri Bhartiya Janaushadhi Kendras.
10. PACS  as  Pradhan  Mantri  Kisan  Samriddhi  Kendras  (PMKSK)  for  fertilizer distribution: PACS have been allowed to operate PMKSK for ensuring easy accessibility of fertilizer & related services to farmers in the country.
11. Convergence of PM-KUSUM at PACS level for energy security :  Farmers associated with PACS can adopt solar agricultural water pumps and install photovoltaic modules in their farms.
12. PACS to carry out O&M of rural piped water supply schemes (PWS) :  PACS have been allowed to carry out the Operations & Maintenance (O&M) of PWS in rural areas.
13. Micro-ATMs to Bank Mitra Cooperative Societies for providing doorsteps financial services : Micro-ATMs now being given to cooperative societies like Dairy, Fisheries.
14. Rupay  Kisan  Credit  Card  to  Members  of  Milk  Cooperatives :  Rupay  Kisan  Credit Cards  being  provided  to  the  members  of  cooperatives  through  Cooperative  Banks  for providing credit at comparatively lower interest rates.

## B. Strengthening the Urban and Rural Cooperative Banks (9 initiatives)

15. UCBs have now been allowed to open new branches to expand their business.
16. UCBs have been allowed by RBI to offer doorstep services to their customers.
17. Cooperative banks have been allowed to make one-time settlement of outstanding loans, like Commercial Banks.
18. Time limit increased to achieve Priority Sector Lending (PSL) targets given to UCBs .
19. A Nodal Officer designated in RBI for regular interaction with UCBs .
20. Individual  housing  loan  limit  more  than  doubled  by  RBI  for Rural  and  Urban  Cooperative Banks.
21. Rural Co-operative Banks will now be able to lend to commercial real estate/ residential housing sector, thereby diversifying their business.
22. License  fee  for onboarding  Cooperative  Banks  to  'Aadhaar  Enabled  Payment System' (AePS) has been reduced by linking it to the number of transactions.
23. Non-scheduled  UCBs,  StCBs  and  DCCBs  notified  as Member  Lending  Institutions (MLIs) in CGTMSE Scheme to increase share of cooperatives in lending.

## C. Relief to Cooperative Societies in Income Tax Act (6 initiatives)

24. Surcharge reduced from 12 % to 7% for co-operative societies having income between Rs. 1 to 10 Cr.
25. MAT reduced for cooperatives from 18.5% to 15%.
26. A clarification has been issued to remove difficulties in cash transactions by cooperatives under Section 269ST of IT Act .
27. A flat lower tax rate of 15% has been fixed, compared with current rate of up to 30% plus surcharge, for new cooperatives commencing manufacturing activities till March 31, 2024.
28. Limit increased from Rs. 20,000 to Rs. 2 lakh per member for deposits and loans in cash by PACS and PCARDBs.
29. Increase in cash withdrawal limit for cooperatives from Rs. 1 Crore to Rs. 3 Crore, per annum, without being subjected to TDS.

## D. Revival of Cooperative Sugar Mills (4 initiatives)

30. Relief from Income Tax to Sugar Cooperative Mills : Sugar cooperative mills not to be subjected to additional income tax for paying higher sugarcane prices to farmers up to Fair and Remunerative or State Advised Price.
31. Resolution of decades old pending issues related to Income Tax  of Sugar Cooperative Mills : Sugar cooperatives allowed to claim as expenditure their payments to sugarcane  farmers  for  the  period  prior  to  assessment  year  2016-17,  giving  a  relief  of nearly Rs. 10,000 crores.
32. Rs.  10,000  crore  loan  scheme  launched  by  NCDC  for  strengthening  of  Sugar Cooperative  Mills :  Scheme  can  be  used  for  setting  up  ethanol  plants  or  cogeneration plants or for working capital or for all three purposes.
33. Preference  to  Cooperative  Sugar  Mills  in  purchase  of  ethanol :  Decision  has  been taken  to  put  Cooperative  Sugar  Mills  at  par  with  private  companies  for  ethanol procurement by Government of India under the Ethanol Blending Programme (EBP).

## E. Three new Multi-State Societies at the National Level (3 initiatives)

34. New National Multi-State Cooperative Seed Society for certified seeds :  New  apex  multistate cooperative seed society established under the MSCS Act, 2002 as umbrella organization for quality seed cultivation, production and distribution under a single brand.
35. New National  Multi-State  Cooperative  Organic  Society  for  organic  farming :  New  apex multi-state  cooperative  organic  society  established  under  the  MSCS  Act,  2002  as  umbrella organization to produce, distribute and market certified and authentic organic products.
36. New National Multi-State Cooperative Export Society for promoting exports :  New apex multi-state  cooperative  export  society  established  under  the  MSCS  Act,  2002  as  umbrella organization to give thrust to exports from cooperative sector.

## F. Capacity Building in Cooperatives (3 initiatives)

37. Establishment of the World's Largest Cooperative University: Decision for establishment of National Cooperative University for Cooperative education, training, consultancy, research and  development  and  a  sustainable  and  quality  supply  of  trained  manpower  is  at  advanced stage.
38. New  Scheme  of  Cooperative  Education  and  Training :  To  strengthen  the  cooperative movement,  build  capacity  of  faculty  of  VAMNICOM,  NCCT  and  JCTC,  promote  quality research and studies on important areas of Cooperative sector, etc.
39. Promotion of training and awareness through National Council for Cooperative Training (NCCT) :  NCCT conducted 3,287 training programs and provided training to about 2,01,507 participants in FY 2022-23.

## G. Use of Information Technology for 'Ease of Doing Business' (2 initiatives)

40. Computerization  to  strengthen  the  Central  Registrar's  Office :  For  creating  a  digital ecosystem for Multi-State  Cooperative  Societies  and  to  assist  in  processing  applications  and service requests in a time bound manner a decision for computerization has been taken.
41. 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.

## H. Other Initiatives (7 initiatives)

42. New  National  Cooperative  Database  for  authentic  and  updated  data  repository : Preparation of a database of cooperatives in the country started to facilitate stakeholders in policy making and implementation.
43. Formulation  of  New  National  Cooperative  Policy :  A  National  level  committee comprising 49 experts and stakeholders drawn from all over the Country constituted to formulate the New National Cooperative Policy to create an enabling ecosystem to realize the vision of 'Sahakar-se-Samriddhi'.
44. Multi-State Co-operative Societies (Amendment) Bill, 2022 The Bill has been passed by  the  Lok  Sabha  and  the  Rajya  Sabha  to  amend  the  MSCS  Act,  2002  to  incorporate provisions of 97 th Constitutional Amendment, strengthen governance, enhance transparency,  increase  accountability  and  reform  electoral  process  in  the  Multi  State Cooperative Societies.
45. Inclusion  of  Cooperatives  as  'buyers'  on  GeM  portal :    Cooperatives  permitted  to register as 'buyer' on GeM, enabling them to procure goods and services from nearly 40 lakh vendors to facilitate economical purchases and greater transparency.
46. Expansion of National Cooperative Development Corporation to increase its range and depth : New schemes for cooperatives launched by NCDC in various sectors such as 'Swayamshakti Sahkar' for SHG;  'Deerghavadhi Krishak Sahkar' for long term agricultural  credit;  'Dairy  Sahkar'  for  dairy  and  'Neel  Sahkar'  for  fisheries.  Total financial assistance of Rs. 41,024 Crores disbursed by NCDC in FY 2022-23.
47. Computerization  of  Agriculture  and  Rural  Development  Banks  (ARDBs) :  To strengthen  the  Long-term  Cooperative  Credit  structure,  a  decision  has  been  taken  to computerise Agriculture and Rural Development Banks (ARDBs).
48. Refund  to  Investors  of  Sahara  Group  of  Societies :  A  portal  has  been  launched  for making payments to the bona fide depositors of the cooperative societies of Sahara Group in  a  transparent  manner  after  proper  identification  and  submission  of  proof  of  their deposits and claims.

*****

## State-wise details of financial assistance disbursed by NCDC

## Annexure-3

## (Rs. in Crore)

|                   | FY 2020-21              | FY 2020-21       | FY 2021-22              | FY 2021-22       | FY 2022-23              | FY 2022-23       |
|-------------------|-------------------------|------------------|-------------------------|------------------|-------------------------|------------------|
| STATE             | Number of disbursements | Amount Disbursed | Number of disbursements | Amount Disbursed | Number of disbursements | Amount Disbursed |
| Andhra Pradesh    | 7                       | 603.98           | 18                      | 2831.59          | 46                      | 9734.70          |
| Arunachal Pradesh | 1                       | 1.44             | 1                       | 0.25             | 3                       | 0.38             |
| Assam             | 1                       | 5.59             | 13                      | 3.57             | 38                      | 17.48            |
| Bihar             | 6                       | 1633.60          | 19                      | 2857.90          | 105                     | 4053.75          |
| Chhattisgarh      | 2                       | 12000.07         | 14                      | 12400.87         | 45                      | 8502.23          |
| Gujarat           | 11                      | 52.25            | 37                      | 37.40            | 72                      | 370.80           |
| Haryana           | 5                       | 6645.11          | 18                      | 12827.75         | 32                      | 6655.24          |
| Himachal Pradesh  | 9                       | 36.90            | 14                      | 14.74            | 30                      | 12.91            |
| Jharkhand         | 2                       | 0.92             | 18                      | 1.79             | 47                      | 4.63             |
| Karnataka         | 37                      | 170.69           | 42                      | 164.49           | 52                      | 112.54           |
| Kerala            | 34                      | 303.54           | 34                      | 371.85           | 63                      | 704.74           |
| Madhya            | 13                      | 208.36           | 29                      | 477.10           | 83                      | 284.40           |
| Maharashtra       | 41                      | 1145.59          | 37                      | 688.07           | 58                      | 751.16           |
| Manipur           | -                       | -                | 1                       | 0.04             | 15                      | 30.38            |
| Meghalaya         | 1                       | 57.80            | 1                       | 0.04             | 6                       | 0.14             |
| Mizoram           | 2                       | 2.16             | 1                       | 1.06             | 9                       | 4.23             |
| Nagaland          | 6                       | 6.07             | 2                       | 0.17             | 29                      | 1.20             |
| Odisha            | 2                       | 0.80             | 17                      | 4.06             | 39                      | 1.61             |
| Rajasthan         | 8                       | 157.80           | 15                      | 7.79             | 58                      | 4.91             |
| Tamil Nadu        | 7                       | 21.58            | 13                      | 50.75            | 67                      | 30.49            |
| Telangana         | 14                      | 739.88           | 14                      | 1092.20          | 42                      | 9304.97          |
| Tripura           | 3                       | 3.20             | 3                       | 3.00             | 19                      | 12.35            |
| Uttarakhand       | 8                       | 17.22            | 12                      | 80.36            | 55                      | 10.50            |
| Uttar Pradesh     | 36                      | 827.95           | 47                      | 252.33           | 105                     | 350.29           |
| West Bengal       | 7                       | 59.13            | 8                       | 44.16            | 31                      | 63.36            |
| Others            | 12                      | 31.57            | 11                      | 7.75             | 49                      | 12.05            |
| TOTAL             | 275                     | 24733.20         | 439                     | 34221.08         | 1198                    | 41031.44         |

*****

District Name

Bhopal

Dewas

Dhar

Jhabua

Khargone

Mandsaur

Sehore

Total (2020-21)

District Name

Bhopal

Damoh

Dewas

Dhar

Indore

Khargone

Mandsaur

Morena

Sehore

Seoni

Total (2021-22)

Number of disbursement

7

1

1

1

1

1

1

13

Number of disbursement

16

1

1

1

1

1

1

5

1

1

29

20.96

0.01

90.00

135.00

0.70

0.00

150.00

0.16

80.00

0.28

477.10

| Sr. No.         | District Name   |   Number of disbursement |   Amount Disbursed (Rs. In Crore) |
|-----------------|-----------------|--------------------------|-----------------------------------|
| 1               | Balaghat        |                        1 |                              0.02 |
| 2               | Bhopal          |                       28 |                              9.18 |
| 3               | Chhtarpur       |                       10 |                              0.42 |
| 4               | Damoh           |                        2 |                              0.06 |
| 5               | Dewas           |                        2 |                            145    |
| 6               | Gwalior         |                        9 |                              0.31 |
| 7               | Harda           |                        4 |                              0.14 |
| 8               | Hoshangabad     |                        2 |                              0.1  |
| 9               | Jhabua          |                        1 |                             50    |
| 10              | Khargone        |                        2 |                             27.6  |
| 11              | Morena          |                        8 |                              0.31 |
| 12              | Narmadapuram    |                        6 |                              0.23 |
| 13              | Sehore          |                        4 |                             50.1  |
| 14              | Seoni           |                        2 |                              0.85 |
| 15              | Ujjain          |                        2 |                              0.1  |
| Total (2022-23) | Total (2022-23) |                       83 |                            284.4  |

*****

Annexure-4

District-wise details of the financial assistance disbursed by NCDC in Madhya Pradesh during the last three years (2020-21, 2021-22 and 2022-23)

2020-21

Sr. No.

1

2

3

4

5

6

7

2021-22

Sr. No.

1

2

3

4

5

6

7

8

9

10

2022-23

Amount Disbursed

(Rs. In Crore)

7.52

60.00

45.00

0.65

0.29

74.90

20.00

208.36

Amount Disbursed

(Rs. In Crore)

Annexure-5

| District-wise details of the financial assistance disbursed by NCDC in Chhattisgarh during the last three years (2020-21, 2021-22 and 2022-23)   | District-wise details of the financial assistance disbursed by NCDC in Chhattisgarh during the last three years (2020-21, 2021-22 and 2022-23)   | District-wise details of the financial assistance disbursed by NCDC in Chhattisgarh during the last three years (2020-21, 2021-22 and 2022-23)   | District-wise details of the financial assistance disbursed by NCDC in Chhattisgarh during the last three years (2020-21, 2021-22 and 2022-23)   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|
| 2020-21                                                                                                                                          | 2020-21                                                                                                                                          | 2020-21                                                                                                                                          | 2020-21                                                                                                                                          |
| S. No.                                                                                                                                           | District Name                                                                                                                                    | Number of disbursement                                                                                                                           | Amount Disbursed (Rs. In Crore)                                                                                                                  |
| 1                                                                                                                                                | Mungeli                                                                                                                                          | 1                                                                                                                                                | 0.07                                                                                                                                             |
| 2                                                                                                                                                | Raipur                                                                                                                                           | 1                                                                                                                                                | 12000.00                                                                                                                                         |
|                                                                                                                                                  | Total (2020-21)                                                                                                                                  | 2                                                                                                                                                | 12000.07                                                                                                                                         |
| 2021-22                                                                                                                                          | 2021-22                                                                                                                                          | 2021-22                                                                                                                                          | 2021-22                                                                                                                                          |
| S. No.                                                                                                                                           | District Name                                                                                                                                    | Number of disbursement                                                                                                                           | Amount Disbursed (Rs. In Crore)                                                                                                                  |
| 1                                                                                                                                                | Mungeli                                                                                                                                          | 1                                                                                                                                                | 0.01                                                                                                                                             |
| 2                                                                                                                                                | Raipur                                                                                                                                           | 13                                                                                                                                               | 12400.86                                                                                                                                         |
|                                                                                                                                                  | Total (2021-22)                                                                                                                                  | 14                                                                                                                                               | 12400.87                                                                                                                                         |
| 2022-23                                                                                                                                          | 2022-23                                                                                                                                          | 2022-23                                                                                                                                          | 2022-23                                                                                                                                          |
| S. No.                                                                                                                                           | District Name                                                                                                                                    | Number of disbursement                                                                                                                           | Amount Disbursed (Rs. In Crore)                                                                                                                  |
| 1                                                                                                                                                | Balod                                                                                                                                            | 2                                                                                                                                                | 0.08                                                                                                                                             |
| 2                                                                                                                                                | Baloda Bazar                                                                                                                                     | 6                                                                                                                                                | 0.23                                                                                                                                             |
| 3                                                                                                                                                | Bemetara                                                                                                                                         | 11                                                                                                                                               | 0.41                                                                                                                                             |
| 4                                                                                                                                                | Raipur                                                                                                                                           | 20                                                                                                                                               | 8501.23                                                                                                                                          |
| 5                                                                                                                                                | Rajnandgaon                                                                                                                                      | 6                                                                                                                                                | 0.29                                                                                                                                             |
| Total (2022-23)                                                                                                                                  | Total (2022-23)                                                                                                                                  | 45                                                                                                                                               | 8502.23                                                                                                                                          |

*****