Executive Summary:
This document presents the response of the Minister of Cooperation to Lok Sabha Unstarred Question No. 4316, concerning loans disbursed by the National Cooperative Development Corporation (NCDC). It provides details of loans disbursed and outstanding over the last five years, including non-performing assets (NPAs), as of August 19, 2025. State and year-wise details of disbursed loan amounts are available in Annexure 1.
Key Points / Main Content:
* **Loan Disbursement (Last Five Years):** Details of the total number of loans and amounts disbursed by NCDC, state and year-wise, are provided in Annexure 1.
* **Total Outstanding Loans:** As of the response date, NCDC has disbursed 1621 loans with a total outstanding amount of Rs. 51882.92 crore.
* **Non-Performing Assets (NPAs):** There are 28 NPA accounts with a total outstanding value of Rs. 437.58 crore.
* **Financial Year 2020-21:** Total of 286 loans released amounting to Rs. 24,42,156.95 lakh across various states.
* **Financial Year 2021-22:** Total of 269 loans released amounting to Rs. 33,93,908.08 lakh across various states.
* **Financial Year 2022-23:** Total of 263 loans released amounting to Rs. 40,51,329.31 lakh across various states.
* **Financial Year 2023-24:** Total of 255 loans released amounting to Rs. 60,21,853.09 lakh across various states.
* **Financial Year 2024-25:** Total of 535 loans released amounting to Rs. 95,03,030.31 lakh across various states.
Impact Analysis:
* **Ministry of Cooperation:**
* Impact: The Ministry is responsible for overseeing the NCDC and providing answers to parliamentary questions regarding its operations and financial status.
* Action Required: Review the provided data and ensure the NCDC is operating effectively in line with its statutory mandate.
* **National Cooperative Development Corporation (NCDC):**
* Impact: The NCDC is directly affected as the data regarding its loan disbursements and outstanding amounts are being presented to the Lok Sabha. The organisation's financial health and lending practices are under scrutiny.
* Action Required: Ensure accurate record-keeping of loan disbursements and outstanding amounts, and take steps to manage and recover NPAs.
* **State Governments:**
* Impact: State governments are impacted as the data reflects the amount of financial assistance received by cooperatives within their jurisdiction.
* Action Required: Utilize the funds effectively to promote cooperative development within their respective states.
* **Cooperative Societies:**
* Impact: Cooperative societies are the direct recipients of the loans disbursed by NCDC and are therefore impacted by the terms and conditions of these loans.
* Action Required: Ensure proper utilization of the funds, adhere to repayment schedules, and maintain financial stability to avoid becoming NPAs.
Key Entities Referenced
National Cooperative Development Corporation: A statutory organization under the Ministry of Cooperation, Government of India, responsible for disbursing loans.
Ministry of Cooperation: The government ministry under which the NCDC operates. Headed by the Minister of Cooperation.
Shri Amit Shah: The Minister of Cooperation.
Andhra Pradesh: A state in India that received loans from NCDC.
Bihar: A state in India that received loans from NCDC.
Uttar Pradesh: A state in India that received loans from NCDC.
Nonperforming Assets: NPAs are loans for which principal or interest payments are overdue. Total 28 NPA accounts amounting Rs.437.58 crore.
NAFED: Mentioned in the document and its loans have been considered in Financial Year 202425
GOVERNMENT OF INDIA
MINISTRY OF COOPERATION
LOK SABHA
UNSTARRED QUESTION NO. 4316
TO BE ANSWERED ON 19th AUGUST, 2025
LOANS DISBURSED BY NCDC
4316. Shri Anil Baluni:
Will the Minister of COOPERATION (सहकारिता मंत्री) be pleased to state:
(a) the details of the total number of loans along with the amount disbursed by National
Cooperative Development Corporation (NCDC) during the last five years; State and
year-wise;
(b) the total number of loans along with the amount outstanding as on date; and
(c) the total number along with the value of NPAs (Non-performing Assets) outstanding
as on date ?
ANSWER
THE MINISTER OF COOPERATION
सहकारिता मंत्री (SHRI AMIT SHAH)
(a): Details of the total number of loans along with the amount disbursed by National
Cooperative Development Corporation (NCDC) a statutory organization under the
Ministry of Cooperation, Government of India during the last five years, State and year-
wise are attached at Annexure 1.
(b): 1621 loans have been given by National Cooperative Development Corporation
as on date with outstanding amount of Rs.51882.92 crore.
(c): There are total 28 NPA accounts amounting Rs.437.58 crore.ANNEXURE 1
DETAILS OF THE LOANS AND AMOUNT DISBURSED BY NCDC IN LAST
5 YEARS
(Rs. in Lakh)
FINANCIAL YEAR 2020-21
STATE NO. OF LOANS/RELEASES AMOUNT
ANDHRA PRADESH 4 57,505.00
ASSAM 2 403.97
BIHAR 5 1,61,128.39
CHATTISGARH 8 12,00,006.25
GOA 1 14.96
GUJARAT 7 4,624.61
HARYANA 8 6,64,502.00
HIMACHAL PRADESH 7 3,045.24
IFFDC 1 122.58
JHARKHAND 2 22.38
KARNATAKA 48 17,011.18
KERALA 42 29,553.24
MADHYA PRADESH 12 20,206.42
MAHARASHTRA 79 1,08,980.39
MEGHALAYA 1 4,434.54
MIZORAM 2 155.47
NAGALAND 5 428.02
ODISHA 2 64.00
PUNJAB 5 2,276.89
RAJASTHAN 2 13,208.15
TAMIL NADU 3 1,677.45
TELANGANA 12 68,510.64
TRIPURA 3 119.53
UTTAR PRADESH 21 81,915.57
UTTARAKHAND 1 10.25
WEST BENGAL 3 2,229.86
286 24,42,156.95FINANCIAL YEAR 2021-22
STATE NO. OF LOANS/RELEASES AMOUNT
ANDHRA PRADESH 10 2,82,856.65
ARUNACHAL PRADESH 1 25.00
ASSAM 1 238.95
BIHAR 6 2,80,000.00
GUJARAT 16 3,328.80
HARYANA 26 12,82,483.00
HIMACHAL PRADESH 8 1,217.70
JAMMU & KASHMIR 0.00
KARNATAKA 44 16,357.21
KERALA 32 36,245.08
MADHYA PRADESH 21 47,124.98
MAHARASHTRA 49 68,296.63
MIZORAM 1 83.28
ODISHA 4 352.00
RAJASTHAN 1 3.52
TAMIL NADU 5 4,655.66
TRIPURA 3 210.00
UTTAR PRADESH 14 24,000.00
WEST BENGAL 2 33.96
CHATTISGARH 8 12,40,000.00
JHARKHAND 2 29.98
UTTARAKHAND 3 7,300.00
TELANGANA 12 99,065.70
269 33,93,908.08FINANCIAL YEAR 2022-23
STATE NO. OF LOANS/RELEASES AMOUNT
ANDHRA PRADESH 19 9,68,619.57
ARUNACHAL PRADESH 2 33.50
ASSAM 2 570.97
BIHAR 8 4,00,000.00
GUJARAT 10 36,483.32
HARYANA 21 6,65,092.00
HIMACHAL PRADESH 5 1,047.26
KARNATAKA 33 11,148.40
KERALA 45 67,705.21
MADHYA PRADESH 17 27,548.37
MAHARASHTRA 34 74,054.76
MANIPUR 4 2,213.40
MIZORAM 6 319.35
RAJASTHAN 2 8.83
TAMIL NADU 4 2,458.97
TRIPURA 6 857.26
UTTAR PRADESH 17 33,970.12
WEST BENGAL 2 71.88
CHATTISGARH 17 8,50,000.00
TELANGANA 9 9,09,126.15
263 40,51,329.31FINANCIAL YEAR 2023-24
STATE NO. OF LOANS/RELEASES AMOUNT
ANDHRA PRADESH 10 13,26,990.00
BIHAR 3 80,019.40
IFFDC 1 50.00
GUJARAT 20 57,890.33
HARYANA 9 9,88,473.00
KARNATAKA 19 25,995.79
KERALA 26 27,233.23
MADHYA PRADESH 18 31,892.94
MAHARASHTRA 63 2,08,089.31
MANIPUR 3 465.50
MIZORAM 5 272.43
ODISHA 1 28.30
PUNJAB 2 1,65,000.00
RAJASTHAN 8 6,040.19
UTTAR PRADESH 9 322.25
WEST BENGAL 1 70.00
CHATTISGARH 25 18,99,000.00
UTTARAKHAND 13 10,752.00
A & N ISLANDS 2 168.75
TELANGANA 17 11,93,099.69
255 60,21,853.09FINANCIAL YEAR 2024-25
STATE NO. OF LOANS/RELEASES AMOUNT
ANDHRA PRADESH 14 16,33,000.00
ASSAM 2 50.00
BIHAR 2 29.40
NAFED 9,700.00
34
NCCF 1,11,936.00
GUJARAT 44 49,495.46
HARYANA 13 12,37,984.00
HIMACHAL PRADESH 2 190.00
KARNATAKA 25 43,774.95
KERALA 79 1,01,039.78
MADHYA PRADESH 31 32,249.78
MAHARASHTRA 137 7,74,671.35
MIZORAM 6 97.79
ODISHA 6 121.30
PUNJAB 5 5,70,200.00
RAJASTHAN 43 8,028.89
TAMIL NADU 2 1,550.00
UTTAR PRADESH 13 20,244.90
WEST BENGAL 5 75.00
CHATTISGARH 25 28,08,000.00
JHARKHAND 5 2,246.08
UTTARAKHAND 23 281.63
A & N ISLANDS 1 56.25
TELANGANA 18 20,98,007.76
535 95,03,030.31