Lok Sabha Question No. 3976 (UNSTARRED), answered on 2026-03-17
Subject: Performance of Cooperative Credit Institutions
Ministry: COOPERATION
Asked by: Mrs Ruchi Vira

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 3976 TO BE ANSWERED ON 17 th  MARCH, 2026

## Performance of Cooperative Credit Institutions

## †3976. Mrs. Ruchi Vira:

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

(a) whether the Government has conducted any assessment of the reach and performance of cooperative credit institutions in Moradabad district, Uttar Pradesh particularly with regard to small and marginal farmers, tenants and rural artisans of Thakurdwara, Dilari and other rural areas who continue to depend on informal source of credit due to procedural difficulties and limited institutional access;

(b) if so, the details thereof including the policy guideline, loan product diversification, interest subvention  measures,  digital  service  expansion  and  monitoring  mechanism  issued  by  the Government to ensure accessible and timely credit through cooperatives in the district; and (c) if not, the reasons therefor?

## ANSWER

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

(a) Ministry  of  Cooperation,  since  its  formation  has  taken  more  than  130  initiatives  to strengthen the Cooperative movement and for deepening of its reach to the grass roots across the  country  including  Moradabad  District  of  Uttar  Pradesh.  These  initiatives  also  promote cooperative  based  economic  development  model  which  includes  upliftment  of  small  and marginal farmers and Traders.

The  institutional  credit  has  demonstrated  encouraging  signs  of  financial  strengthening, particularly reflected in the rising credit deposit (CD) ratio, which indicates an improvement in the flow of institutional credit to the local economy. The CD ratio of Moradabad District Central Cooperative Bank (DCCB) during 2023 to 2025 is as under:

| As on         | 31.03.202331.03.202431.03.2025   |   31.03.202331.03.202431.03.2025 |   31.03.202331.03.202431.03.2025 |
|---------------|----------------------------------|----------------------------------|----------------------------------|
| CD ratio61.25 | CD ratio61.25                    |                            80.34 |                            85.43 |

The upward trend is a positive indicator, suggesting that more famers, artisans and microentrepreneurs in the region are gaining access to formal credit. Scale of finance decided by the District Level Technical Committee takes into account rising agricultural and production costs which is the basis for fixing KCC limit for the farmers.

(b) and (c) There are numerous schemes being implemented in the district and made available to the farmers, small traders and artisans viz. KCC loans, PM Svanidhi, PM Vishwakarma etc. to augment the livelihoods of the farmers, small traders, artisans and low-income families. DCCB Moradabad disbursed Rs. 217.50 crore in 2024, Rs. 271.87 crore in 2025 and in 2026 Rs. 289 crore (till date) to farmers including marginal and small farmer in Moradabad District. Also, new MPACS formed as per the initiatives of the Ministry of Cooperation, are being promoted in the district to strengthen the cooperatives. As on date 11 new MPACS have been formed in Moradabad district and out of which, 4 new MPACS are formed in Takurdwara Tehsil which will also help in facilitating timely credit and other needs of farmers. The Ministry of Cooperation has circulated Model Bye-laws for Primary Agricultural Credit Societies  (PACS)  enabling  them  to  undertake  more  than  25  business  activities,  thereby improving  governance,  transparency  and  accountability  in  their  operations.  These  reforms facilitate diversification of business activities of PACS and strengthen their linkage with the cooperative credit structure to improve access to institutional credit.

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