**Executive Summary**
The National Cooperation Policy, 2025, outlines 16 objectives aimed at strengthening the cooperative sector in India. It highlights major achievements including the establishment of several cooperative organizations and the computerization of Primary Agriculture Credit Societies (PACS). The policy emphasizes transparency, efficiency, and improved access to services for farmers through digital integration.
**Key Points / Main Content**
* **Objectives of the National Cooperation Policy, 2025:**
* Creating a conducive legal and regulatory environment for cooperatives.
* Fostering accessible finance and business opportunities.
* Encouraging multi-dimensional expansion and access to international markets.
* Enhancing technology adoption for efficient management.
* Transforming cooperatives into professionally managed entities.
* Promoting cooperatives in new and emerging sectors and environment-friendly practices.
* Developing standardized cooperative courses.
* **Major Achievements:**
* Establishment of NUCFDC as an umbrella organization for Urban Cooperative Banks.
* Establishment of Sahakar Sarathi Limited for IT infrastructure services to Rural Cooperative Banks.
* Establishment of "Tribhuvan" Sahkari University for cooperative education and training.
* Establishment of National Cooperative Export Limited (NCEL) to promote exports.
* Establishment of Bharatiya Beej Sahakari Samiti Limited (BBSSL) for seed production.
* Establishment of National Cooperative Organics Limited (NCOL) to support organic farmers.
* Inclusion of a chapter on Cooperatives in the NCERT curriculum for class 6 students.
* Development of National Cooperation Database with disaggregated data.
* Launch of "Bharat Taxi," a cooperative-led ride-hailing platform.
* Amendment of the Multi-State Cooperative Societies Act, 2002, in 2023.
* Registration of Cooperative Inputs and Services Delivery Multi-State Limited and Gomay Sahkari Samiti Multi-State Limited to support sustainability in the dairy sector.
* **Computerization of PACS:**
* Government of India has approved 79,630 PACS for computerization under a central sector project.
* Total financial outlay for the project has been increased to ₹2925.39 Crore.
* 61,478 PACS have been computerized and onboarded on ERP software.
* Central assistance of Rs. 1073.98 Crore has been released for the project.
* **Impact of Digital Integration:**
* Increased transparency and efficiency through digital records.
* Improved access to multiple business services for farmers.
* Real-time monitoring through CBS integration.
* Financial inclusion through digital platforms.
* Data-driven decision making through digitization.
* **Bharat Taxi:**
* Established on 6 June 2025.
* Functional in Delhi NCR and parts of Gujarat.
* Has 990,082 registered customers and over 3 lakh registered drivers.
* Operates on a zero-commission model.
**Impact Analysis**
**Cooperatives**
*Impact:* Benefit from a more supportive legal and regulatory environment, enhanced access to finance and markets, improved management through technology adoption, and opportunities for expansion into new sectors.
*Action Required:* Adapt to new regulations and policies, embrace technology, and participate in available training programs.
**Farmers**
*Impact:* Improved access to credit, inputs, markets, and various services through digital platforms, leading to increased income and reduced dependency on intermediaries.
*Action Required:* Utilize available digital platforms and services, and provide feedback on service delivery to improve the system.
**Government (Ministry of Cooperation)**
*Impact:* Enhanced ability to monitor the cooperative sector, promote best practices, and support economic development through cooperative initiatives.
*Action Required:* Continue to implement and refine policies, provide financial and technical support, and monitor the progress of cooperative initiatives.
**Rural Communities**
*Impact:* Increased employment and income opportunities, improved access to essential services, and enhanced social security through cooperative initiatives.
*Action Required:* Participate in cooperative activities and initiatives, and support local cooperative development.
Key Entities Referenced
National Cooperation Policy, 2025: A policy document setting 16 objectives/goals for cooperatives in India.
Ministry of Cooperation: The primary governmental body responsible for the development and implementation of cooperative policies and initiatives.
Multi-State Cooperative Societies Act, 2002: The legislative act governing multi-state cooperative societies, which was amended in 2023 to enhance governance and transparency.
Primary Agriculture Credit Societies (PACS): These societies are being computerized under the Central Sector Project for Computerization of PACS, with the aim of improving efficiency and service delivery.
Bharat Taxi: A cooperative-led ride-hailing platform.
Ministry of Cooperation
National Cooperation Policy, 2025
Posted On: 10 FEB 2026 5:06PM by PIB Delhi
(a):- There are 16 objectives/ goals set under the National Cooperation Policy, 2025, some of them are
listed below:
(i). Creating a conducive legal and regulatory environment through timely reforms to provide
autonomy, promote transparency, ease of doing business, good governance, and provide a
level playing field for cooperatives.
(ii). Fostering accessible and affordable finance and equal business opportunities akin to other
economic institutions.
(iii). Encouraging multi-dimensional expansion, including access to international markets and
increasing members' income.
(iv). Enhancing technology adoption for efficient and transparent management.
(v). Enabling the transformation of cooperatives into professionally managed economic
entities based on cooperative principles.
(vi). Promoting and encouraging the entry of cooperatives in new and emerging sectors.
(vii). Promoting environment-friendly practices and a circular economy for sustainability.
(viii). Promoting the development of standardized, high-quality, cooperative-focused courses
and the creation of authoritative content.
The major achievements are as under:
(i). Establishment of Umbrella organization for Urban Cooperative Banks, namely NUCFDC
(National Urban Cooperative Finance and Development of Corporation Limited). It has also
obtained the status of SRO (self-regulatory organization) from RBI.
(ii). Establishment of Sahakar Sarathi Limited, an entity to provide IT infra services for digital
banking to Rural Cooperative Banks (State Cooperative Banks and District Central
Cooperative Banks).
(iii). Establishment of “Tribhuvan” Sahkari University to impart high quality, standardized
and industry-driven education and training and to act as an apex level organization for the
cooperative education and training in India.
(iv). Establishment of National Cooperative Export Limited (NCEL) to promote export of
cooperative sector products to international markets.
(v). Establishment of Bharatiya Beej Sahakari Samiti Limited (BBSSL) a cooperative
organization with a focus on production, testing, certification, procurement, processing,
storage, branding, labelling and packaging of all two generations of seeds i.e. foundation and
certified.(vi). Establishment of National Cooperative Organics Limited (NCOL) as an umbrella
organization to provide institutional support for aggregation, certification, testing,
procurement, storage, processing, branding, labelling, packaging, logistic facilities, marketing
of organic products and facilitate in arranging financial assistance to the organic farmers.
(vii). The persuasion of the Ministry with the Department of School Education Literacy,
Government of India, has resulted in inclusion of a chapter on Cooperative for class 6
students by the NCERT.
(viii). For targeted interventions, National Cooperation Database, which have been developed
by the Ministry, has disaggregated data on gender and weaker section.
(ix). Launch of App based Taxi Service- “Bharat Taxi”.
(x). Amendment of the Multi-State Cooperative Societies Act, 2002 was done in 2023 to
facilitate good governance and transparency.
(xi). Under sustainability and circularity in the dairy sector, a multi-state cooperative society,
namely Cooperative Inputs and Services Delivery Multi-State Limited, has been registered on
31.12.2025. This society aims to enhance the productivity of dairy animals and improve the
profitability of dairy farmers by ensuring timely access to affordable, quality inputs and
essential support services. Another multi-state cooperative society, namely Gomay Sahkari
Samiti Multi-State Limited, has also been registered on 31.12.2025. This society aims to
promote manure management practices that generate employment and income opportunities
for rural communities, while supporting renewable energy goals and the sustainable use of
organic fertilizers.
(b):- The Government has launched the Central Sector Project for Computerization of PACS, in 2022.
Government of India initially approved 63,000 PACS under Project of Computerization of functional
PACS with a total financial outlay of ₹2,516 Crore which has now been increased up to 2925.39 Crore
covering 79,630 PACS 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). Total 79,630 Primary Agriculture Credit
Societies (PACS) have been taken up for Computerization of PACS Project out of which 61,478 Primary
Agriculture Credit Societies (PACS) have been computerized and onboarded on Enterprise Resource
Planning (ERP) software enabling them to adopt online accounting and member services.
Total amount of Central assistance released under the Computerization of PACS Project by the Ministry is
Rs. 1073.98 Crore out of which Rs. 908.06 Crore have been released to participating States/UTs and Rs.
165.92 Crore to NABARD as implementing agency under the project.
Digital integration is expected to significantly enhance rural cooperative service delivery in the following
ways:
• Transparency and Efficiency: Digital records reduce errors and improve accountability in
transactions and service provision.
• Improved Access with Multiple Business: Farmers can access multiple services such as credit,
input supply, PDS, CSC and other marketing from a single platform, thereby reducing dependency
on intermediaries.
• Real-time Monitoring: CBS Integration with District Central Cooperative Banks (DCCBs) and
State Cooperative Banks (SCBs) enables real-time financial reporting and better regulatory
oversight.• Financial Inclusion: Digital platforms facilitate direct benefit transfer (DBT), credit and loan
disbursal, and mobile-based transactions, improving financial reach in rural areas.
• Data-driven Decision Making: Digitization provides insights into cropping patterns, credit
utilization, and demand trends, enabling better planning and support mechanisms.
(c), (d) & (e):- The Ministry of Cooperation remains committed to empowering cooperatives as
instruments of employment generation, social security, and grassroots economic participation. Bharat Taxi
is envisaged as a transformative intervention in the mobility sector by placing drivers—referred to as
Sarathis—at the centre of ownership, governance, and value creation, thereby offering a sustainable and
dignified alternative to aggregator-driven models. “Bharat Taxi” is India’s first cooperative-led ride-
hailing platform. This is a major milestone in the Government of India’s ongoing efforts to strengthen the
cooperative sector and promote inclusive, citizen-centric mobility solutions, in line with the vision of
‘Sahkar se Samriddhi’. Registered under the Multi-State Cooperative Societies Act, 2002, Bharat Taxi was
established on 6 June 2025 by 8 national level institutions working in field of cooperatives. The platform
operates on zero-commission model, with direct distribution of profits to drivers, offering a homegrown
and indigenous alternative to investment-driven aggregator platforms.
As of now the Bharat Taxi service is functional in Delhi NCR – Delhi, Gurugram, Noida and in
Ahmedabad, Rajkot, Somnath & Dwarka of Gujarat. The app has 990,082 registered customers and over
3 lakh registered drivers completing 291,665 rides.
(f) & (g): Further expansion to other areas will be guided by demand and market conditions.
This information was given by Union Minister for Home and Cooperation Shri Amit Shah in a written
reply in Lok Sabha.
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AK/AP
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