The National Cooperative Development Corporation (NCDC) has achieved a major milestone in the financial year 2024–25 by sanctioning loans worth Rs 1.30 lakh crore and disburment of Rs 95,183 crore. This marks a significant rise in its annual disbursement, up from Rs 24,700 crore in 2020–21 to nearly Rs 95,000 crore by March 31, 2025.
Since its inception, the cumulative disbursement by NCDC has touched Rs 4.35 lakh crore, reflecting its growing role in strengthening the cooperative ecosystem. Notably, after the formation of the Ministry of Cooperation, the corporation has recorded a compound annual growth rate (CAGR) of over 40 percent, signaling an accelerated momentum in cooperative financing.
The lender continues to maintain a net Non-Performing Asset (NPA) ratio of zero and boasts a loan recovery rate of 99.84 percent in FY 2024–25, underscoring its financial discipline and robust monitoring systems.
Officials attribute this remarkable growth to several strategic initiatives, including the introduction of floating interest rates, and the implementation of key Government of India flagship schemes such as FPO (Farmer Producer Organizations), PMMSY (Pradhan Mantri Matsya Sampada Yojana), AHIDF (Animal Husbandry Infrastructure Development Fund), and AIF (Agriculture Infrastructure Fund).
To further expand its outreach and scale of operations, NCDC is working on a new scheme with a financial outlay of approximately Rs 24,000 crore, modeled on the lines of CSISAC (Central Sector Integrated Scheme on Agricultural Cooperation), in collaboration with State Governments. The proposal is currently under formulation.
NCDC has a strong presence across the country, with offices in almost every state. Strengthening its regional outreach, it recently inaugurated a new regional office in Vijayawada, Andhra Pradesh, to cater to the growing needs of cooperatives in the southern region.
With its consistent growth and policy alignment with the Ministry of Cooperation, NCDC continues to play a pivotal role in financing and empowering India’s cooperative movement.
