राष्ट्रीय सहकारी विकास निगम
NATIONAL COOPERATIVE DEVELOPMENT CORPORATION
1. Description of the Scheme
One of the important schemes of the NCDC is “Integrated Cooperative Development Project (ICDP) Scheme” which was introduced in the year 1985-86 and aims at:
· Development of Primary Agricultural Credit Societies as multi purpose self-reliant entities;
· Development of allied sector cooperatives; and
· Development of viable functional linkages among cooperatives.
Under the Scheme, an area development approach is adopted for development of cooperatives. A Macro Plan is prepared for the whole of selected district, keeping in view the local resources and needs. The Project is implemented by a district level cooperative institution generally the District Central Cooperative Bank. To assist the DCCB in project implementation, a project implementation team (PIT) is constituted at the district level to prepare Business Development Plan for the societies, assess the society-wise infrastructural and other requirements and provide assistance accordingly. The systems and procedures are streamlined and viable functional linkages are established to make the operations cost effective.
Gaps in managerial skills are identified and necessary training is provided to personnel in cooperatives. On the job, PIT personnel provide training and guidance. The Scheme also has an incentive component for motivating the paid staff of primary cooperatives to perform better and improve the functioning of the cooperatives.
NCDC funds the ICD Projects through State Govt. The project funding is under two heads – i) Loan and ii) Subsidy. The loan is for creation of infrastructure facilities – such as godowns, banking counter, transport vehicles, small processing units, etc. and strengthening of share capital / providing margin money for augmenting the business of the societies. Subsidy is provided for project implementation, cost of project preparation, manpower development and training, monitoring and incentives.
Subsidy component is restricted to 30% of the total project cost and is shared between the NCDC and the State Government on 50:50 basis. In case of special category states, entire subsidy component is provided by the NCDC. The special category states are all North-Eastern States, Sikkim, Himachal Pradesh, Jammu & Kashmir and Uttaranchal.
The project period is 5 years during which it is monitored regularly. In the States where the projects are more than two in number, a monitoring cell is created at the state level to monitor all the projects in the State.
2. Details about dovetailing Govt. of India Scheme
Grant/Subsidy under various schemes of Govt. of India or State Govt. is dovetailed with ICDP by the Project Implementing Agency/team at the time of Project Implementation. NCDC’s loan assistance to that extent is reduced. Presently, the subsidies are being dovetailed from following Central Sector Schemes of Govt. of India:
· Capital Investment Subsidy Scheme for construction/renovation of godowns,
· Cooperative marketing, processing, storage etc. programmes in cooperatively under-developed states/least developed states.
Marketing Infrastructure Scheme.
3. NCDC’s assistance provided till 31/3/2006
As on 31.3.2006, cumulatively 190 projects with project cost of Rs.1592.92 crores were sanctioned involving NCDC share of assistance of Rs.1474.06 crores comprising Rs.1262.25 crores as loan and Rs.211.81 crores as subsidy. The cumulative assistance released stood at Rs.949.38 crores comprising of Rs.835.61 crores as loan and Rs.113.77 crores as subsidy.
4. Eligibility, criteria and procedure involved
As area based approach is adopted under the scheme for development of cooperatives, a district is selected on the recommendation of concerned State Govt. Thereafter a draft Project Report (DPR) is prepared either by a multi disciplinary team of State Govt. Officers or by an outside consultancy organisation appointed by State Govt. with approval of NCDC. The DPR is considered and approved first by District Level Coordination Committee (DLCC) and then by State Level Coordination Committee (SLCC). The DPR is then recommended by State Govt. to NCDC for sanction.
The Project is implemented by Project Implementation Agency (PIA) generally District Central Cooperative Bank, to be selected by State Govt. In consultation with NCDC. The PIA is assisted by specially created team `Project Implementation Team’ (PIT) in preparation of Business Development Plan, assessing society wise requirements and implementing and monitoring the project. All societies having potential for development are assisted under the project.
Impact of NCDC Assistance
The impact study of 5 completed projects was assigned to reputed consultants and their findings are summarised below:-
i) A total investment of Rs.372.85 million was made in these five projects and 1431 cooperatives were assisted for creation of infrastructure and business development. The projects have helped in creating necessary infrastructure in the rural areas of the districts. Under the projects, 28,000 MT of godown capacity has been created at the primary society level, besides 212 strong room/lockers and 352 deposit counters have also been established for mobilising the deposits in the rural areas and starting mini banking activities by the village cooperatives. Towards mechanisation of agriculture, 349 Tractors and other agricultural implements have also been provided to the cooperatives.
ii) Average annual growth ranging from 1.08% to 8.73% was observed in the membership of the PACS assisted under the five projects.
iii) The share capital of the PACS have shown a growth ranging from 4.15% per annum to 39.76% during the project period.
iv) The credit operations have grown ranging from 22.58% per annum to 82.86% during the project period.
v) The average Annual growth in mobilising rural deposits has ranged form 19.40% to 149% during the project period by virtue of deposit counters provided to the primary cooperatives.
vi) The non-credit business of the PACS has shown an annual growth ranging from 5.27% to 30-32%.
vii) The consumer business of the PACS has also grown ranging from 5.27% to 40.65% annually.
viii) The net profit of the PACS has shown a growth ranging from 12.60% to 53.41% during the project period.
ix) The business of the marketing societies has shown an annual growth ranging from 5% to 17.86%.
x) The business of the handloom societies has shown an annual growth ranging from 0.94% to 56.4% during the project period.
xi) In the fishery sector a growth of 7.58% to 70.79% has been witnessed.