Lok Sabha Question No. 2811 (UNSTARRED), answered on 2026-03-10
Subject: Financial health of Cooperative Societies
Ministry: COOPERATION
Asked by: Shri Balya Mama Suresh Gopinath Mhatre

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 2811 TO BE ANSWERED ON  10 TH  MARCH, 2026

## Financial health of cooperative societies

## 2811.   Shri Balya Mama Suresh Gopinath Mhatre:

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

(a) the number of cooperative societies in the country that are running in profit, in loss, or are inactive, State-wise;

(b) the number of institutions that have been provided technical assistance under the PACS (Primary Agricultural Credit Societies) Computerization Scheme, during the last four years, State wise;

(c) whether it is true that complaints of corruption and mismanagement have been received in several cooperative banks; and

(d) if so, the steps taken by the Government to free cooperative banks from corruption and mismanagement?

## ANSWER

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

(a)  As  per  the  National  Cooperative Database (NCD),  out of a total 8.48 lakh Cooperative Societies across the country, 6.59 lakh are functional, 1.41 lakh are non-functional and 47,688 are under liquidation. Among the 6.59 lakh functional cooperative societies, 3.49 lakh are in profit, 2.11 lakh are in loss and the profit / loss status is not available for 99,325 cooperative societies. The State-wise total no. of Cooperatives Societies, along with their functional, nonfunctional, and profit/loss status, is attached as Annexure-1 .

(b) To strengthen PACS, a project for the Computerization of functional PACS with a total financial outlay of Rs. 2925.39 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. Out of total 79,630 sanctioned PACS from 31 States/ UTs under the project, 61,478 PACS have been onboarded on ERP Software. The State-wise status of PACS computerization project is attached as Annexure-2.

(c)  &  (d)  Reviewing  compliance  and  governance  performance  of  Multi-State  Cooperative Banks is a continuous exercise. Whenever instances of irregularities in any Multi-State Co- operative Banks come to notice, action is taken under the relevant provisions of Multi State Cooperative Societies (MSCS) Act, 2002 and rules made there under.

Further, the Multi State Cooperative Societies (MSCS) Act, 2002 has been amended in 2023  to  strengthen  governance,  enhance  transparency,  increase  accountability  and  reform electoral process, etc. in the Multi State Cooperative Societies (including MSCS Banks) by supplementing  existing  legislation  and  incorporating  the  provisions  of  Ninety-seventh Constitutional Amendment. Many provisions have been introduced via the above amendment to  strengthen  regulatory  oversight  and  monitoring  in  the  functioning  of  Multi-State  Cooperative Banks and prevent financial irregularities therein, if any.

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Annexure-1

## State-wise total no. of Cooperatives along with profit/loss status

| S.   | State/UT                    | Total     | Non-       | Status of Profit / Loss   | Status of Profit / Loss   | Status of Profit / Loss   | Status of Profit / Loss   |
|------|-----------------------------|-----------|------------|---------------------------|---------------------------|---------------------------|---------------------------|
| No.  |                             | Societies | functional | Total Functional          | In profit                 | In loss                   | Not Available             |
| 1    | Andaman and Nicobar Islands | 2,239     | 881        | 1,207                     | 366                       | 782                       | 59                        |
| 2    | Andhra Pradesh              | 18,183    | 5,475      | 12,439                    | 2,893                     | 9,109                     | 437                       |
| 3    | Arunachal Pradesh           | 1,461     | 476        | 1,014                     | 398                       | 111                       | 505                       |
| 4    | Assam                       | 12,427    | 3,545      | 7,772                     | 2,800                     | 2,298                     | 2,674                     |
| 5    | Bihar                       | 27,387    | 4,881      | 22,344                    | 13,191                    | 6,730                     | 2,423                     |
| 6    | Chandigarh                  | 476       | 221        | 196                       | 118                       | 66                        | 12                        |
| 7    | Chhattisgarh                | 11,845    | 1,026      | 10,245                    | 6,073                     | 2,975                     | 1,197                     |
| 8    | Delhi                       | 5,944     | 3,989      | 1,939                     | 1,089                     | 774                       | 76                        |
| 9    | Goa                         | 5,593     | 2,340      | 3,153                     | 1,813                     | 691                       | 649                       |
| 10   | Gujarat                     | 86,519    | 6,272      | 79,386                    | 56,736                    | 15,894                    | 6,756                     |
| 11   | Haryana                     | 34,673    | 2,853      | 15,604                    | 7,231                     | 6,461                     | 1,912                     |
| 12   | Himachal Pradesh            | 5,791     | 538        | 4,985                     | 3,849                     | 854                       | 282                       |
| 13   | Jammu And Kashmir           | 10,620    | 1,623      | 9,003                     | 3,592                     | 398                       | 5,013                     |
| 14   | Jharkhand                   | 12,091    | 3,897      | 8,016                     | 2,620                     | 4,541                     | 855                       |
| 15   | Karnataka                   | 46,969    | 3,539      | 40,368                    | 27,339                    | 10,453                    | 2,576                     |
| 16   | Kerala                      | 19,652    | 3,752      | 15,130                    | 4,555                     | 10,094                    | 481                       |
| 17   | Ladakh                      | 275       | 107        | 168                       | 119                       | 32                        | 17                        |
| 18   | Lakshadweep                 | 43        | 12         | 31                        | 6                         | 16                        | 9                         |
| 19   | Madhya Pradesh              | 53,965    | 18,545     | 26,623                    | 15,466                    | 10,117                    | 1,040                     |
| 20   | Maharashtra                 | 2,25,986  | 2,739      | 2,19,941                  | 1,07,783                  | 68,502                    | 43,656                    |
| 21   | Manipur                     | 11,627    | 6,043      | 5,300                     | 3,297                     | 295                       | 1,708                     |
| 22   | Meghalaya                   | 3,452     | 472        | 2,975                     | 1,245                     | 1,182                     | 548                       |
| 23   | Mizoram                     | 1,560     | 195        | 1,270                     | 600                       | 625                       | 45                        |
| 24   | Nagaland                    | 7,955     | 5,785      | 1,830                     | 1,255                     | 271                       | 304                       |
| 25   | Odisha                      | 8,362     | 500        | 7,757                     | 2,373                     | 2,484                     | 2,900                     |
| 26   | Puducherry                  | 464       | 62         | 401                       | 207                       | 193                       | 1                         |
| 27   | Punjab                      | 19,662    | 2,670      | 11,906                    | 7,201                     | 4,475                     | 230                       |
| 28   | Rajasthan                   | 41,969    | 13,357     | 25,704                    | 17,516                    | 6,047                     | 2,141                     |
| 29   | Sikkim                      | 3,768     | 2,082      | 1,416                     | 636                       | 303                       | 477                       |
| 30   | Tamil Nadu                  | 23,210    | 1,200      | 21,240                    | 11,949                    | 7,504                     | 1,787                     |
| 31   | Telangana                   | 60,858    | 12,964     | 47,504                    | 22,223                    | 22,424                    | 2,857                     |
| 32   | DNH&DD                      | 597       | 157        | 379                       | 128                       | 33                        | 218                       |
| 33   | Tripura                     | 3,270     | 955        | 2,223                     | 691                       | 1,019                     | 513                       |
| 34   | Uttar Pradesh               | 40,709    | 16,997     | 22,681                    | 8,934                     | 6,575                     | 7,172                     |
| 35   | Uttarakhand                 |           | 1,825      | 4,409                     |                           | 283                       | 1,825                     |
|      |                             | 6,393     |            |                           | 2,301                     |                           |                           |
| 36   | West Bengal                 | 32,142    | 8,930      | 22,985                    | 10,662                    | 6,353                     | 5,970 99,325              |
|      | Total                       | 8,48,137  | 1,40,905   | 6,59,544                  | 3,49,255                  | 2,10,964                  |                           |

Source: NCD portal as on 01.03.2026

State-wise status of Computerization of PACS Project

Annexure-2

| S. No   | State/UTs         |   Total Sanctioned PACS |   ERP Onboarded |   ERP Go Live |   Day End Completed |   Audit Completed |   Total amount released in Cr. |
|---------|-------------------|-------------------------|-----------------|---------------|---------------------|-------------------|--------------------------------|
| 1       | Maharashtra       |                   12178 |           12028 |         12011 |               12000 |             11949 |                         130.73 |
| 2       | Bihar             |                    4495 |            4478 |          4475 |                4471 |              4364 |                          51.76 |
| 3       | Gujarat           |                    6216 |            5705 |          5575 |                5458 |              4724 |                          93.97 |
| 4       | Andhra Pradesh    |                    2037 |            2021 |          2021 |                2017 |              2016 |                          37.41 |
| 5       | Chhattisgarh      |                    2028 |            2028 |          2028 |                2028 |              1975 |                          28.35 |
| 6       | Rajasthan         |                    8525 |            6157 |          6153 |                5860 |              3828 |                          84.83 |
| 7       | Jharkhand         |                    2797 |            1479 |          1491 |                1461 |              1378 |                          34.3  |
| 8       | Punjab            |                    3482 |            3172 |          2760 |                2385 |               786 |                          32.94 |
| 9       | Madhya Pradesh    |                    5455 |            4532 |          4524 |                4530 |              4492 |                          66.43 |
| 10      | J&K               |                     708 |             537 |           537 |                 537 |               537 |                          10.37 |
| 11      | Himachal Pradesh  |                    1885 |            1376 |          1234 |                1210 |               608 |                          28.25 |
| 12      | Haryana           |                     710 |             624 |           580 |                 568 |               454 |                           8.79 |
| 13      | Uttar Pradesh     |                    6257 |            3061 |          3052 |                2922 |              2110 |                          67.1  |
| 14      | Karnataka         |                    5894 |            4337 |          3690 |                3606 |              3252 |                          67.83 |
| 15      | Assam             |                     850 |             577 |           576 |                 569 |               566 |                          17.02 |
| 16      | Tripura           |                     475 |             267 |           247 |                 262 |               197 |                           8.21 |
| 17      | Sikkim            |                     131 |             107 |           107 |                 107 |               105 |                           3.28 |
| 18      | Goa               |                      86 |              51 |            46 |                  41 |                37 |                           1.19 |
| 19      | Puducherry        |                      45 |              45 |            45 |                  45 |                30 |                           0.67 |
| 20      | ANI               |                      46 |              46 |            46 |                  46 |                46 |                           0.69 |
| 21      | Mizoram           |                      99 |              25 |            25 |                  25 |                24 |                           1.27 |
| 22      | Ladakh            |                      10 |              10 |            10 |                  10 |                10 |                           0.12 |
| 23      | Nagaland          |                     231 |             102 |            67 |                  53 |                17 |                           4.43 |
| 24      | DNH & DD          |                       9 |               4 |             4 |                   4 |                 4 |                           0.12 |
| 25      | Arunachal Pradesh |                     139 |              13 |            13 |                  13 |                13 |                           1.22 |
| 26      | Uttarakhand       |                    1216 |             669 |           668 |                 589 |               469 |                           5.69 |
| 27      | Manipur           |                     308 |             199 |           195 |                 196 |               128 |                           3.14 |
| 28      | Meghalaya         |                     330 |              11 |             9 |                  10 |                 4 |                           2.34 |
| 29      | Tamil Nadu        |                    4561 |            4509 |          4508 |                4509 |               529 |                          51.73 |
| 30      | West Bengal       |                    4187 |            3308 |          3145 |                2874 |               208 |                          45.79 |
| 31      | Odisha            |                    4240 |               0 |             0 |                   0 |                 0 |                          18.07 |
|         | Total             |                   79630 |           61478 |         59842 |               58406 |             44860 |                         908.06 |

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