Lok Sabha Question No. 1192 (UNSTARRED), answered on 2025-02-11
Subject: Multipurpose Primary Agricultural Credit Societies
Ministry: COOPERATION
Asked by: Shri Vijay Baghel, Shri Miteshbhai Rameshbhai Patel, Shri Hasmukhbhai Somabhai Patel, Shri Kripanath Mallah, Shri Bunty Vivek Sahu, Dr. Sanjay Jaiswal

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 1192 TO BE ANSWERED ON 11 th  FEBRUARY, 2025

## Multipurpose Primary Agricultural Credit Societies

## 1192. Shri Vijay Baghel:

Shri Mitesh Patel Bakabhai:

Shri Hasmukhbhai Somabhai Patel:

Shri Kripanath Mallah:

Shri Bunty Vivek Sahu:

Dr. Sanjay Jaiswal:

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

- (a) the  manner  in  which  the  Government  proposes  to  ensure  the  long-term  financial sustainability of Multi-purpose Primary Agricultural Credit Societies (MPACS) particularly in areas with economic and geographical challenges like Chhattisgarh; and
- (b) the manner in which the said societies are likely to address the challenges faced by small and marginal farmers in accessing affordable credit and quality inputs?

## ANSWER

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

(a) and (b): The  Government  has  taken  several  important  initiatives  to  ensure  long-term financial  sustainability  of  Multi-purpose  Primary  Agricultural  Credit  Societies  (MPACS) across  the  country  including  the  areas  with  economic  and  geographical  challenges  like Chhattisgarh, which are as follows:

- Computerization of PACS which entails bringing all the functional PACS onto an ERP (Enterprise Resource Planning) based common national software which helps in improving their operational efficiency, ensuring speedy disbursal of loans, lowering of transaction costs and increasing transparency;
- Model Byelaws for PACS which enable them to diversify their business by undertaking more  than  25  business  activities,  including  dairy,  fishery,  setting  up  of  godowns, procurement of foodgrains, fertilizers, seeds, LPG/CNG/Petrol/Diesel distributorship, etc.;
- PACS to function as Pradhan Mantri Kisan Samriddhi Kendras (PMKSK) providing fertilizers, pesticides and various other agri inputs to farmers at a single shop;
- PACS to operate as Pradhan Mantri Bhartiya Jan Aushadhi Kendras (PMBJK) to ensure availability of generic medicines to rural citizens at affordable prices, etc.
- PACS to function as Common Service Centers (CSCs) which enables PACS to deliver more than 300 e-services being provided by CSCs, including banking, insurance, Aadhar enrolment/ updation, health services, legal services, etc. to rural citizens of the country.

The details of various other initiatives taken by the Government are enclosed at Annexure . All these initiatives help MPACS in improving their operational efficiency; bringing transparency & accountability; providing agricultural credit & various non-credit services, etc. in rural areas; providing quality agri inputs to the farmers, thus, addressing the challenges faced by small and marginal farmers in accessing affordable credit and quality inputs.

## ANNEXURE

## 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 Bye-laws 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 Bye-laws or their existing bye-laws are in line with Model Bye-laws.
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  50,455  PACS  have  been  onboarded  on  ERP Software and hardware has been procured by 30 States/UTs.
3. Establishing New Multipurpose PACS/ Dairy/ Fishery Cooperatives in covering all the  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 12,957 new PACS, Dairy and Fishery Cooperative Societies have been registered as on 27.1.2025 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, 42,080 PACS have started providing CSC services to rural citizens.
6. Formation of new Farmer Producer Organizations (FPOs) by PACS : Government has allowed 1100 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.    Against  this  allocation  of  1100  blocks,  958  FPOs  have  been registered/ on-boarded as on 27.01.2025.  Apart from this, 730 FPOs have already been formed by NCDC in cooperative sector.  As  on  date,  a  total  of  1,688  FPOs  have  been registered / on-boarded by NCDC in cooperative sector. This will be helpful in providing farmers with necessary market linkages and get fair and remunerative process 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, 116  wholesale  consumer  pump  licensee  PACS  from  5  States  have  given  consent  for conversion into Retail Outlets, out of which 56 PACS have been commissioned by 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. As of now, 2 PACS from the state of Jharkhand have applied for LPG distributorship under CC Category.
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 JanaushadhiKendras (PMBJKs), which will provide additional income source to them and ease  the  access  to  quality  generic  medicines  for  rural  citizens.  So  far,  4,523  PACS/ cooperative societies have applied online for PMBJKs, out of which 2,744 PACS have been given initial approval by Pharmaceutical & Medical Devices Bureau of India (PMBI) and

785 PACS have received drug license from State Drug Controllers and 716 PACS have got store codes from PMBI 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 36,193 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, 934 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, Micro-ATMs 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,  8,322  Micro-ATMs  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, 7,43,810 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 National Cooperative Development Corporation. National Cooperative Development Corporation has identified 997 Primary Fisheries Cooperatives Societies to strengthen as FFPOs, with an approved outlay of Rs. 280.65 crore.
17. White Revolution 2.0 :  The Ministry of Cooperation has launched an initiative to usher Cooperative-led  "White  Revolution  2.0'  aimed  at  expanding  cooperative  coverage, employment generation and women's empowerment with an objective "To increase the

milk procurement of dairy cooperatives by 50% from the present level over next five years by providing market access to dairy farmers in uncovered areas and increasing the share of dairy cooperatives in organised sector." The SOP for White Revolution 2.0 was launched on 19.11.2024 by Hon'ble Home & Cooperation Minister in presence of Hon'ble Minister of  Fisheries,  Animal  Husbandry  and  Dairying.  On  25.12.2024  Hon'ble  Home  & Cooperation Minister in the presence of Hon'ble Minister of Fisheries, Animal Husbandry and Dairying inaugurated 6,600 newly set up Dairy Cooperative Societies. So far, 8,294 DCSs have been registered in 27 States/UTs.

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) through National Cooperative Consumer Federation (NCCF) and National Agricultural Cooperative Marketing Federation of India (NAFED). Both have developed their own web portal i.e. e-samyukti and e-samridhi respectively for registration of  farmers  through  cooperatives.  Both  have  assured  pre-registered  farmers  of  tur,  urad, masur and maize to procure 100% of their produce at Minimum Support Price (MSP). However, if market prices exceed the MSP, farmers are free to sell their produce in the open market. A total of 12,64,212 farmers have already registered on the e-samyukti portal of NCCF. Similarly, 6,75,178 farmers have registered themselves on the e-samridhi 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 lakhs 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 lakhs to Rs.4 lakhs, 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. 875 crore to NCDC (Rs. 500 crore in FY 2022-23 and Rs. 375 crore in FY 2024-25) under the scheme and as of now, NCDC has sanctioned 80 loans amounting to Rs.9,169.76 crore to 44 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. Strengthening of Cooperative Sugar Mills by converting their molasses-based ethanol plants into multi feed ethanol plants: Ministry of Cooperation has taken initiative in consultation with National Federation of Cooperative Sugar Factories Ltd. (NFCSFL) for conversion  of  existing  molasses-based  ethanol  plants  of  CSMs  into  multi  feed  ethanol plants. The Cooperative Sugar Mills (CSMs) also produce ethanol from molasses and sugar syrup by installing ethanol production plants. However, the availability of raw material i.e., molasses  and  sugar  syrup  for  production  of  ethanol  is  limited  by  many  factors  viz, Government Policy on diversion of sugarcane syrup, B heavy molasses for production of ethanol and duration of sugar cane crushing season and availability of sugarcane depending on rainfall, etc. On account of these limiting factors, the CSMs having ethanol plants are not  able  to  operate  them  at  full  capacity  round  the  year.  The  Government  of  India  has prioritized maize for production of ethanol, therefore, it is prudent for CSMs to convert their existing ethanol production units into multi feed ethanol production units so that they are able to produce ethanol by using maize as raw material.
42. 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

43. 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. During the Rabi 2024-25 season, 57 Varieties of 12 Crops were sown/ planted in 5,596 hectares. Similarly, during the Kharif 2024 season, 23 varieties of 8 Crops have been planted on 176.59 hectare of land. So far, 17,425 PACS/ Cooperative Societies have become members of BBSSL.
44. 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,  5,184  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'.

45. 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,  7,933  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 12,52,083 Metric tonnes with an exported value of Rs. 5,099.24 crore.

## F. Capacity Building in Cooperatives

46. Promotion  of  training  and  awareness  through  National  Council  for  Cooperative Training (NCCT): By increasing its reach, NCCT has conducted 2,872 training programs and provided training to 2,35,060 participants till December 2024.

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

47. 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.
48. 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/ UTs, a Centrally Sponsored Project for Computerization  of  RCS  Offices  has  been  approved  by  the  Government.  Grants  are provided for the purchase of hardware, development of software, etc. to the States/ UTs. So far, proposals received from 35 States/ UTs have been sanctioned by GOI.
49. 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  5.08  crore  has  been  released  to  9 States/UTs in FY 2023-24 and FY 2024-25 for procurement of hardware, digitization and setting up of support system.

## H. Other Initiatives

50. 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 8.2 lakh cooperatives across 30 sectors, with approximately 30 crore members, has been captured in the database.
51. Cooperative Ranking Framework: The Government launched the Cooperative Ranking Framework on 24 th   January  2025  to  rank  cooperatives  State-wise  and  sector-wise.  The ranking framework enables State RCS to assess Cooperative Societies' performance based on key parameters, including audit compliance, operational activities, financial performance, infrastructure, and basic identity information. The RCS of the States/ UTs, through login on NCD portal, can generate ranks of Cooperative Societies, initially of 7 major sectors namely PACS, Dairy, Fishery, Urban Cooperative Banks, Housing, Credit and Thrift, and Khadi and Gram Udyog. This ranking system aims to enhance transparency, reliability  and  competitiveness  among  cooperative  societies,  ultimately  fostering  their growth. Furthermore,  top-performing  cooperative  societies in each sector will be recognized  and  honoured  by  the  Ministry  of  Cooperation  and  respective  State/  UT authorities, aligning with the objectives of the International Year of Cooperatives.
52. International Year of Cooperatives - 2025 in India: The United Nations has declared 2025  as  the  International  Year  of  Cooperatives  (IYC  2025)  to  highlight  the  role  of cooperatives  in  economic  growth,  social  inclusion,  and  sustainability.  The  Ministry  of Cooperation  has  developed  an  action  plan  in  collaboration  with  National  Cooperative Federations, State Governments, Central Ministries and other stakeholders emphasizing transparency, policy reforms, and rural economic transformation through PACS. Activities include  training,  board  meetings,  cooperative  flag  hoisting,  exhibitions,  and  business expansion workshops at District, State, and National levels. To ensure effective execution, committees at national, state, and district levels have been formed. The National Execution Committee (NEC) and National Cooperative Committee (NCC) will oversee coordination and financial mobilization. State Apex Committees (SAC), along with State and District Cooperative Development Committees (SCDC & DCDC), will organize and manage State/ District/ Village level programs.
53. 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.
54. 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.
55. 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 80 MSCS have been conducted successfully up to December, 2024.

56. Inclusion of Cooperatives as 'buyers' on GeM portal: The Government has permitted cooperatives to register as 'buyer' on GeM, enabling them to procure goods and services from over 67 lakh vendors to facilitate economical purchases and greater transparency. So far, 574 cooperative societies have been onboarded on GeM as buyers.
57. 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. During the current FY 2024-25, so far, total financial assistance of Rs. 84,673.70 crores has been disbursed by NCDC.
58. 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.
59. National  Cooperation  Policy  (NCP): The  formulation  of  New  National  Cooperation Policy (NCP) has been envisaged to fulfil the mandate of the Ministry of Cooperation "Sahakar se Samriddhi." A National level committee was constituted on 2.9.2022 under Shri Suresh Prabhakar Prabhu with experts of the cooperative sector, representatives from National/ State/ District/ Primary level cooperative societies, Secretaries (Cooperation) and RCSs from States/ UTs and officers from Central Ministries/ Departments to formulate the New  Cooperation  Policy  to  provide  a  framework  to  unlock  the  true  potential  of  the Cooperative  sector.  The  Committee  conducted  four  regional  workshops  throughout  the country  to  elicit  suggestions  from  stakeholders.  The  received  suggestions  have  been incorporated into the draft policy appropriately. The draft policy has been prepared and is under finalization.
60. 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. 2,025.75 crores have been disbursed to 11.61 lakh applicants.

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