NCDC Disburses ₹1.27 Lakh Crore to Cooperatives in FY 2025–26

The National Cooperative Development Corporation (NCDC) reported financial assistance of ₹1,27,596 crore to cooperative institutions during 2025–26, a record year for the government-backed lender, according to figures presented at its annual general council meeting in New Delhi on October 29. The corporation said it had sanctioned projects worth ₹1,55,408 crore in the same financial year.

The Ministry of Cooperation said cumulative assistance since its creation in 2021 had reached ₹4,14,586 crore through October 25, 2026. NCDC’s annual disbursements rose from ₹24,733 crore in 2020–21 to the latest figure, roughly five times higher. The ministry said 3,339 units and projects sanctioned in 2025–26 were expected to benefit 14,881 cooperative societies.

These figures describe money disbursed or projects sanctioned; they do not by themselves measure how much income, production or employment beneficiaries ultimately gained. NCDC also reported a net profit of ₹1,475 crore, a loan recovery rate of 99.84 per cent and zero net non-performing assets for 2025–26. Those are the corporation’s reported financial indicators, not an independent assessment of project outcomes.

At the meeting, chaired by Union Cooperation Minister Amit Shah, the council discussed a 25-year roadmap covering NCDC’s institutional structure, funding and operations. The minister asked the corporation to build co-financing arrangements with NABARD, state cooperative banks and commercial lenders. The stated aim is to expand financing capacity while bringing more projects within a shared lending framework.

A second priority is the North-East, where the ministry wants cooperative projects to increase local production of milk, eggs, fish and meat by 2030. Officials also discussed using cooperative sugar mills to create value from by-products, including ethanol and compressed natural gas, and connecting young professionals with newer multi-state cooperatives. These are policy objectives; they will require project design, funding and implementation across states.

NCDC is a statutory corporation created in 1963 to plan, promote and finance cooperative programmes. Its financing supports activities such as agricultural processing, storage, marketing, dairy, fisheries and rural services. Depending on the scheme and borrower, support can move through state governments or be extended directly to eligible cooperatives. The corporation’s scale-up therefore matters to institutions that need capital for infrastructure and working funds, but access is conditional and varies by programme.

The meeting’s proposed co-financing model could spread project costs among several lenders and make larger investments possible. Its practical test will be whether smaller societies can prepare viable proposals, meet eligibility and repayment conditions, and receive support on terms they can sustain. The ministry said the council would continue work on NCDC’s long-term roadmap.

Source: Press Information Bureau, Ministry of Cooperation · NCDC overview and functions