राष्ट्रीय सहकारी विकास निगम


Regional Directorate, RANCHI


National Cooperative Development Corporation

Block – M,  No. 23/DS,

Harmu Housing Colony,  Near BJP Office, 

RANCHI– 834012.


Phone No. 0612- 2241494 / 09234171496
Fax No. 0651-


State Under jurisdiction: Jharkhand


Upto date position on Sanction/Release

· Margin money assistance to Jascolampf  -  Released  Rs. 4 crores.

· 4000 capacity Cold Storage to VEGFED at block cost of Rs. 200.00 lakhs – Release Rs. 100 lakhs.

· T&P Cell to Jascolampf  – Two expert have been appointed.

· 18 ICDP projects at block cost of Rs. 121.2588 crores  -  Release Rs. 72.89 crores.

· 4 Women Poultry projects, NCDC’s  Sanction amount Rs. 819.99 lakhs - Release Rs. 679.41 lakhs

Proposals due for sanction during the current financial year

· 3 ICDP projects namely Bokaro, Gumla & Simdega at block cost Rs. 4926.01 lakhs.

· 2 marketing godown of VEGFED (2500 ton capacity each) at proposed block cost of Rs. 170.00 lakhs.

· 5000 ton capacity Cold Storage of VGCS Lohardaga at block cost Rs. 500.00 lakhs – Loan Rs. 165 lakhs from NCDC.

· Setting up Poultry Infrastructure by 9 Rural Women Poultry Coops at block cost of Rs. 635 lakhs.

· Role model Cooperatives – (a) Appolo Weavers Cooperative Hospital (b) Jharkhand State Women Poultry Cooperative Federation Ltd.

· S/Govt. budget for NCDC scheme – (a) ICDP – Rs. 18 crores (b) Poultry Projects – Rs. 3 crores.

· NCDC release target for the current financial year – Rs. 16.5 crores.

Accumulative Release for the State of Jharkhand upto (30.06.2013) – Rs. 78.90 crores.

1. State Profile : Jharkhand State was formed on 15th November, 2000 and has a total Geopgraphical area of 79714Sq km. The climate of the state ranges from dry semi humid to humid semi-arid types. A mineral rich state is also blessed with rich fauna and flora as well as rare forest trees.

             The state has 24 districts, 211 blocks and 32260 revenue villages. The total forest area is 23.32 lakh hacs. i.e. 29.26% of the total geographical area. The cultivated area is estimated at 38 lakhs hac. and out of which, the net sown area is 22.38 lakh hac. Most of the cultivated area is high land and not suitable for profitable farming operation. The share of cash crops is hardly 3% of total value of agriculture crops.

             The Agriculture economy is characterized by dependence on nature, low investment, low productivity, mono cropping with 80% paddy crops and inadequate irrigation facilities. The share of small and marginal farmers to the total land holding is 80%. About 88% of total cultivated area is un-irrigated. 90% food production comes from Kharif and hardly 10% from rabi crops.

             The major crops are rice, maize, oil seeds and pulses. Consumption of fertilizer per hac. is only 67.6 kg. The agro-climate condition of the state is suitable for high value crops, medicinal, herbal and ornamental crops including rearing, live stocks and horticulture crops.

             Jharkhand has 40% of the nation’s mineral resources. It has first rank in the production mica, kyanite and copper. The major industries are iron, steel, auto mobile, fertilizer, chemicals and cements. There are about 63000 small and medium scale industries. The state has extensive railway network and providing vital links to important cities.

2. BANKING PROFILE :  The state has a network of 1883 branches operating by 22 public sector banks, 12 private sector banks, 2 RRB and 8 district cooperative banks. Out of 24 districts, 20 districts are having CD ratio lower than 40%. In absence of Apex cooperative bank and not fulfilling RBI prescribed criteria, flow of both rural as well as agriculture credit through cooperative banking channel is negligible.

3. AGRICULTURE AND ALLIED PRODUCTION :  Except production of vegetables crops estimated at 30 lakh tons, local production of essential food commodity viz. pulses, oil seeds, milk, fishery, poultry, red meat, etc. are in short supply and have to be imported from neighboring states. Demand and supply gap is 65% for fruits, 50% for milk and 30% for fish. During 12 years, core food grains production has increased from 30 lakhs tons to 65 lakhs tons. Now the State is self-sufficient on food grain front.

4.COOPERATIVE SCENARIO :  There are 6 Apex Federations and out of which, women poultry Federation is witnessing good performance as well as upward growth and its annual combined business is above 70 crores. Other Federations are not yielding desired performance. So much so except poultry women federation, others federation are not having full-fledged Chief Executives. Apollo weavers Coop. Hospital, Ranchi and majority of handloom cooperatives are also yielding impressive performance.

LAMPS & PACS :  1542 LAMPS & PACS are registered and in operation. However, in current operational set up, they are witnessing very little business. So, there is a urgent need to make pacs and lamps multipurpose business growth center and also to augment mini Banking business, distribution of agriculture loan, core agro inputs and supply of essential food items as well as consumer goods including running custom hiring centres for providing agriculture machines and tractors to farmers.

VYAPARMANDALS : There are 83 Vyaparmandals, but, none of these is in satisfactory working condition. To make them operational and self sustainable, Govt. may consider to allot storage, transport and handling of PDS goods, fertilizer and acting as ware housing agencies.

FISHERIES COOPERATIVES : There are 173 fisheries cooperatives. Presently, harnessing of fishery potential is progressing and this sector is having enormous potential for expansion.

LABOUR COOPERATIVES : 1047 Labour cooperatives are registered. In order to speed up development works in remote areas/disturbed areas, labour cooperatives may be assigned more responsibilities. Labour coops may also set up model schools and rural hospitals.

HANDLOOM WEAVING COOPERATIVES : 266 Weavers cooperatives are in operation. Presently, these coops are facing problem of working Capital. In order to take benefit of 50% subsidy in term of margin money under SGRY scheme, weak cooperatives may be restructured into SHGs. Handloom coops may also supply cloths and handloom utility products to Govt. agencies, hospitals, schools and railways.

CREDIT COOPERATIVES :  There are 570 credit coops. In order to stream line their business function as well as activities, these may be modernized by ITC tools.

WOMEN COOPERATIVES :  There are 214 women coops. As women in Jharkhand are more active and hard working, their involvement may be encouraged in rural house hold income activities viz production of organic manure, handicraft, rearing of poultry & livestocks.

FOREST COOPERATIVES :  There are 63 forest coops.  Keeping in view of almost 1/3 of geographical area, covered with forest, numbers of forest coops may be augmented. This sector may also be strengthened on the line of Madhya Pradesh and Chhatisgarh tested Forest Coop. business model.

INDUSTRIAL COOPS : There are 1366 industrial coops and many of them are located in rich industrial estates and are doing good business. So, to encourage manufacturing of industrial accessories, they may avail benefit of NCDC Industrial Scheme and also purchase heavy earth moving machines, equipments and cranes. They may also set up vehicle maintainance workshops and spare parts shops.


1. ICDP scheme is running in 13 districts: whereas 5 districts have already been covered.  3 new ICD Projects namely Bokaro, Gumla & Simdega in due for sanction.The State Govt. has already released entire financial assistance amounting to Rs. 87.21 crores. Till June, 2013, 80% progress has been achieved. These progress are due for completion by 30th September & 31st December, 2013 respectively. NCDC has already released financial assistance to the tune of Rs. 52.402 crores comprising loan Rs. 42.28 crores, UD subsidy Rs. 7.01 crores and NCDC PIT subsidy Rs. 3.12 crores.

2. 4 Women Poultry Projects: State Govt. has released entire financial assistance of sanctioned projects cost at Rs. 820.49 lakhs. These 4 poultry projects are supposed to be completed by 30 June, 2013. Released funds to the tune of Rs. 204.72 lakhs are yet to be utilized. The State Govt. is yet to seek reimbursement claims amounting to Rs. 103.87 lakhs as loan and Rs. 36.70 lakhs as subsidy from NCDC.

3. 5000 MT, COLD STORAGE OF VEGFED: During the year 2002-03, NCDC has sanctioned 5000 tons capacity multi-commodities cold storage unit to Jharkhand VEGFED  at block cost of Rs. 200 lakhs. The unit is still incomplete and non operational.

4. Formulation of small Project Proposals: RCS office has received about 130 small project proposals from different sectoral coops. Since, none of the society fulfills the NCDC direct funding eligibility norms, both sanction and flow of assistant may be routed through the state govt. These proposals are under scruitiny stage at the RCS level.

6. Potential Sectors/Areas

· There is a good scope and demand for commissioning of cold chain facilities to scale up shelf life and quality of high value vegetable crops.

· Setting up Coop. Hospitals in big cities on pattern of Apollo Weavers Hospital.

· Minor Forest Based value added processing units.

· Poultry, goatry and Animal rearing ventures.

· Labour Cooperatives.

· Transport Coops and furniture manufacturing units.

· Rural godowns in PACS / LAMPS and Vyaparmandals. Construction of rural godowns and office building in about 3000 newly organized PACS/LAMPS.

· Sericulture realing and spinning units.

· Non conventional energy projects like wind, solar and hydro.

· Rain water harvesting irrigation projects.

· Stone crushers.

· Food grains processing units and cooperative rural market yards.

· Rural housing and model schools.

· Manufacturing of cattle feeds. & Dairy ventures.

· City gas distribution and industrial gas distribution plants/stations.

· Rural transport.

· Cooperative Banking Infrastructures.

· Upgradation and repairing of damaged and incomplete godowns and cold storage unit.

· Secondary consumer products manufacturing unit of finished steel and aluminuim material.

· Expansion and modernization of cooperative banking network.

· Upgradation and repairing of damaged and incomplete godowns and cold storages units.

· Manufacturing of Bamboo handicrafts, huts and marble stone items.

· Medicinals, herbals processing units.

· Girls hostel, women working hostel and super bazaar in mineral mines areas.

7. Major constraints in Formulation of Bankable Proposals and Execution of Sub Projects

· There is shortage of Govt. functionaries and trained manpower both at Head Quarter, district level and the society level. One officer is holding charges of 5 posts. Hence, it is not possible to give improved and satisfactory results in tune to multi ferous needs of cooperative members. PACS and LAMPS are running without paid and business trained managers. 

· The state is facing serious challenges on stable government functioning and corruption free good governance. Therefore, execution of projects are put in jeopardy.

· Awareness about NCDC scheme/programmes among cooperative persons is very low. Capacity building of cooperative persons is inadequate to implement and run the projects in profitable manner.

· Both line departments and cooperative societies are not having trained and experinced officers/man power to guide on formulation of proposals.

· Presence of govt. field machinery and net work of cooperative bank is insufficient to cope with complex field situation.

· Political situation is remained fraglise since very inception and during last 12 years, 9 Govt.s have been replaced.

· Majority of coops are not in position to repay loan instalments and they prefer 100% grants. The state is not having qualified consultants to guide cooperatives on project related fronts.

· There is no cohesive relationship and coordination among members and promoters of cooperatives. Majority of cooperatives are having low business volume and own funds.

· The State Govt. has not empowered local institution like Gram Panchayats, Cooperative Societies to address local issues and provide basic amenities.

· Without strengthening, expansion and modernization of Cooperative Banking network, it is not possible to improve out reach and implementation of NCDC’s plans and programmes.

· Majority of coops are not having regular manager/secretaries.


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