Annexure-I

Schemes Implemented by the Ministry of Cooperation

1. Computerization of PACS Project:- Government of India is implementing this Project of Computerization of functional PACS with a total financial outlay of ₹2,516 Crore which has now been increased upto 2925.39 Crore which entails bringing all the functional PACS onto an ERP (Enterprise Resource Planning) based common national software, linking them with NABARD through State Cooperative Banks (StCBs) and District Central Cooperative Banks (DCCBs). This common ERP software is provided to all PACS in the project, across the country, to capture data on all functionalities of PACS, both credit and non-credit. This software is customizable for state-specific needs.

The ERP-based common national software enhances the efficiency of PACS operations through a Common Accounting System (CAS) and Management Information System (MIS). Additionally, it strengthens governance and transparency, resulting in faster loan disbursal, reduced transaction costs, minimized payment imbalances, and seamless accounting with DCCBs and StCBs. Furthermore, training and necessary handholding support provided by NABARD ensures that small and marginal farmers, including those who may not be digitally literate, benefit equally from digitalization.

A comprehensive ERP solution integrates multiple functionalities, including membership management, financial services such as deposits and lending (short-term, medium-term, and long-term), procurement, processing units, Public Distribution System (PDS), business planning, warehousing, merchandising, borrowings, asset management, and human resource management. Additionally, it has provision to incorporate RuPay and Kisan Credit Card (KCC)/ database integrations to facilitate seamless financial transactions for PACS members. A total amount of ₹759.36 crore has been released to the States/UTs and ₹165.92 crore to NABARD under this Project as a Central Government Share.

2. Further, Government of India is implementing a Centrally Sponsored project of Strengthening of Cooperatives through IT Interventions. This project has the following two sub-projects, which is as under:-

Computerization of Agriculture and Rural Development Bank(ARDB): Sub- project of Computerization of Agriculture and Rural Development Bank has been approved by the Central Government on 06.10.2023, in which 1851 units of State Cooperative Agriculture and Rural Development Bank (SCARDB) & Primary

Cooperative Agriculture and Rural Development Bank (PCARDB) in 13 States were included in the project with the total outlay of Rs. 119.40 Crore. As of now, proposals from two States West Bengal and Kerala have not been received. Recently, Jammu and Kashmir has opted out of the project due to their administrative reasons. As of now, only 10 states are the part of this project, the details and updated status of the project is at Annexure ‘VI’.

Computerization of office of Registrar of Cooperative Societies (RCS) in States/ Union Territories: Centrally sponsored project for computerization of RCS offices in States/Union Territories has been approved by the Central Government on 06.10.2023 with a budgetary outlay of Rs.94.59 crore for three years w.e.f. 2023-24. This is a part of the umbrella project of “Strengthening Cooperatives Through IT Interventions” of the Ministry. The project aims to enhance the ease of doing business for Cooperative Societies and create a digital ecosystem for transparent paperless interaction of cooperative societies with the RCS offices in all States/Union Territories. Under the project, grants are being provided to the States/ UTs for procurement of hardware, development of software, maintenance & upgradation of software, etc. The software developed under this scheme will be as per the Cooperative Acts of the respective States/UTs. During the financial years 2023-24, 2024-25 and 2025-26 (up to 30th June 2025), 35 States/UTs have submitted their proposals, and Rs 19.73 crore (approx.) has been released as the Government of India share to States/UTs. The details are enclosed at Annexure ‘VII’.

SCHEMES IMPLEMENTED /ACTIVITIES ASSISTED BY NCDC

1. 1. CORPORATION SPONSORED SCHEMES:
2. 1. 1. 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:-

1. 1. 1. 1. Marketing:

- Margin Money /Working capital assistance

• • • • • Strengthening share capital base of primary / district cooperative marketing societies
        • Purchase of furniture and fixtures, transport vehicles including refrigerated vans
        • Development / Strengthening of Agricultural Marketing Infrastructure, Grading and Standardization

1. 1. 1. 2. Processing:

- Setting up of new sugar factories (Investment Loan)

• • • • • Modernisation and Expansion / Diversification of existing Sugar Factories (Investment loan and term loan)
        • Establishment of new/ Modernization/ Expansion/ Rehabilitation of existing spinning mills
        • Modernization/ Expansion of existing and establishment of modern cotton ginning & pressing units
        • Small /medium scale agro& allied sector processing units, pre/post loom processing/ garment & knitting units
        • Setting up of other Processing units, such as Food grains/Oilseeds /Plantation Crops /Fruits & Vegetables /Maize Starch/Particle Board etc.

- Margin money /Working capital assistance

- Share capital participation by State Government in new spinning mills

1. 1. 1. 3. Storage:

- Construction of godowns and repair / renovation of existing godowns

- Margin money / Working capital assistance

1. 1. 1. 4. Cold Chain:

- Construction/ expansion/ modernization of cold storages

- Establishment     of     Cold     Chain     components     which     broadly     include

(i) Integrated pack house, (ii) Reefer transport, (iii) Cold storage (Bulk-near farm gate), (iv) Cold storage (Hub-near market) and (v) Ripening units etc.

• • • • • Margin money / Working capital assistance

1. 1. 1. 5. Industrial:
            • All types of Industrial Cooperatives, Cottage & Village Industries, Handicrafts / rural crafts, etc.
2. 1. 1. 6. Distribution of essential consumer articles through cooperatives:
            • Establishment of infrastructure such as shopping centre, diesel/ Kerosene bunk/warehouse, construction/expansion/modernization of wholesale consumer cooperative store/ departmental consumer cooperative store/ consumer federation, etc.
            • Purchase of furniture and fixtures, transport vehicles including refrigerated vans for distribution of consumer articles
            • Margin money/ Working capital assistance
3. 1. 1. 7. Credit & Service Cooperatives/ Notified Services:

- Agriculture Credit/ Agriculture Insurance

- Water Conservation works/ services

- Irrigation, micro irrigation in rural areas

- Animal care/ health/disease prevention

- Rural Sanitation, Drainage, Sewage system through Cooperatives

- Tourism, Hospitality, Transport

• • • • • Generation & Distribution of power by New, Non-Conventional & Renewable sources of energy
        • Rural Housing

- Hospital/ Health Care and Education

- Creation of infrastructure for credit cooperatives

1. 1. 1. 8. Cooperative Banking Unit:
            • Assistance to PACS for the creation of infrastructure relating to the Modern Banking Unit.
2. 1. 1. 1. Agricultural Services:

- Cooperative Farmers Service Centers

- Agro Service Centers for Custom Hiring

- Establishment of Agricultural inputs manufacturing and allied units

- Irrigation/ water harvesting programmes

1. 1. 1. 10. District Plan Schemes:

- Integrated Cooperative Development Projects in selected districts

1. 1. 1. 11. Weaker Section Cooperatives:
             • Fisheries, Dairy & Livestock, Poultry, Schedule Caste, Tribal Cooperatives, Handloom, Coir, Jute, Sericulture, Women, Hill area, Tobacco &Labour.
2. 1. 1. L)    Assistance for Computerization of Cooperatives:
      2.           Assistance is provided for purchase/ installation of computers/ hardware, system & application software, networking, maintenance cost, technical manpower, and capacity development and training.
3. 1. 1. M)   Promotional and Developmental programmes.
4. FOCUSSED PRODUCTS OF NCDC:

1. 1. YUVA SAHAKAR - Cooperative Enterprise Support and Innovation Scheme: The scheme aims at encouraging newly formed cooperative societies with new and/ or innovative ideas.

1. 2. 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.

1. 3. 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.

1. 4. 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.

1. 5. 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.
   6. 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).

1. 7. 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.

II  Other Central Schemes:

1. Agricultural Marketing Infrastructure (AMI) sub scheme of Central Sector Integrated Scheme on Agriculture Marketing (CSISAM) for Storage and other than Storage Infrastructure-DAC&FW, MOA&FW Rashtriya Krishi Vikas Yojana (Training) - DAC&FW, MOA&FW
2. Mission for Integrated Development of Horticulture (MIDH) - DAC&FW, MOA&FW
3. Interest Subvention & Credit Guarantee through Financing Facility under Agriculture Infrastructure Fund scheme - Ministry of Agriculture & Farmers’ Welfare.
4. Assistance for Boosting Seed Production component under Sub-Mission for Seed and Planting Material (SMSP) ofNational Mission on Agricultural Extension and Technology (NMAET)
5. PM Matsya Sampada Yojana (PMMSY) – Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying
6. PM Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) – sub scheme under PMMSY by Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying.
7. PM Formalisation of Micro Food Processing Enterprises (PMFME)- Ministry of Food Processing Industries
8. Scheme for Formation and Promotion of 10,000 Farmer Producer Organizations (FPOs) – Ministry of Agriculture & Farmer’s Welfare.
1. (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.

10. National Scheduled Tribes Finance and Development Corporation (NSTFDC) - Ministry of Tribal Affairs.
11. National Livestock Mission (NLM) and Rashtriya Gokul Mission (RGM) - Department of Animal Husbandry and Dairying, Ministry of Fisheries, Animal Husbandry & Dairying.
12. )Re-aligned Animal Husbandry Infrastructure Development Fund (AHIDF),

Department of Animal Husbandry and Dairying, Ministry of Fisheries, Animal Husbandry and Dairying.

Annexure II

PACS Computerization Project Status

*Odisha has recently joined this project

Annexure-III

PACS Computerization Project Status-Maharashtra (As on 30th June 2025)

NCDC

ANNEXURE – IV

Annexure-V Details of Financial assistance disbursed by NCDC to Maharashtra

Annexure-VI Computerization of Agriculture and Rural Development Banks Project Status