National Cooperative Development Corporation

What National Cooperative Development Corporation does

National Cooperative Development Corporation (NCDC) is a statutory corporation established by the Government of India under the NCDC Act, 1962, and operates under the Ministry of Cooperation as the country's central development finance institution for the cooperative sector. Its core function is to plan, promote, and finance cooperative societies across 21+ sectors — including agriculture (via Farmer Producer Organizations), dairy, fisheries, sugar, textile, storage, consumer goods, poultry, tribal development, processing, industrial, and now transportation — channeling subsidized long-term, short-term, and working-capital credit to cooperatives through state governments, state cooperative banks, and direct lending to national multi-state cooperatives. Operationally, NCDC runs 21 regional directorates covering all Indian states and union territories from its headquarters in New Delhi, and disbursed Rs 95,200 crore (approximately USD 11.4 billion) to cooperative societies in FY25, as reported at its 92nd Annual General Meeting.

Its product surface is a portfolio of financial assistance schemes rather than a single product, spanning program-level offerings (Marketing, Cold Storage, Sugar, Textile, Processing/Industrial/Service, Storage, Consumer, ICDP, FPO, FFPO, Fisheries, Dairy, Poultry, Tribal Development, Computerisation, Promotional/Developmental, Consultancy, Industrial/Service Cooperatives) and branded schemes (Yuva Sahakar for youth entrepreneurs, Nandini Sahakar for dairy, Ayushman Sahakar for healthcare, Sahakar Mitra for mentorship, CSR Programs). The LINAC incubation centre adds an entrepreneurship-development layer for fisheries and aquaculture. Most recently, NCDC has been positioned as a backer of 'Bharat Taxi', a cooperative-based ride-hailing service piloted in Delhi in November 2025 with 650 vehicles and planned for multi-city expansion in 2026.

NCDC's business model is that of a non-deposit-taking development finance institution rather than a commercial bank: its revenue is driven primarily by interest income on loans advanced to cooperatives (offered on both fixed and floating rate bases, with rates published via circulars), supplemented by government budgetary support, scheme subsidies, and recovery income. Pricing is not market-based but policy-mandated to keep cooperative borrowing affordable, and growth in the loan book is driven by capital allocations from the Union Budget rather than private fundraising. The entity has no private shareholders, is not listed, and is wholly owned and controlled by the Government of India through the Ministry of Cooperation.

Name

National Cooperative Development Corporation

Legal name

National Cooperative Development Corporation

Website

https://ncdc.in

Company type

Private

Founded year

1962

Operating status

Operating

Short description

Statutory corporation under India's Ministry of Cooperation providing development financing and support to cooperative societies across 21+ sectors including agriculture, dairy, fisheries, sugar, and textiles through 21 regional directorates, disbursing Rs 95,200 crore in FY25.

Ownership category

akta.pro rank

Product category

Development Finance for Cooperatives

NAICS

Nondepository Credit Intermediation (5222), Grantmaking and Giving Services (81321)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

National Development Banks & State Development Finance Institutions (DFIs) (BPADACAC)

Keywords

• Cooperative development finance
• Agricultural credit
• Cooperative lending
• Rural development finance
• Institutional credit

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices20 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Disbursements to Cooperatives: NCDC provides subsidized loans and financial assistance to cooperative societies across various sectors including agriculture, dairy, fisheries, textile, sugar, storage, and consumer cooperatives. Interest rates are offered on both fixed and floating basis.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

NCDC is a statutory development finance institution that provides loans, grants, and subsidies to cooperative societies across India in sectors such as agriculture, dairy, fisheries, sugar, textile, storage, consumer goods, and processing. It offers long-term credit, short-term agricultural credit, working capital loans, and project financing at both fixed and floating interest rates, and runs sector-specific programs such as FPOs, ICDP, Yuva Sahakar, Nandini Sahakar, and Ayushman Sahakar.

Product overview

NCDC (National Cooperative Development Corporation) is a statutory corporation under the Ministry of Cooperation, Government of India, that functions as a funding and developmental institution for cooperatives. Rather than a single product, NCDC offers a portfolio of financial assistance programs and schemes across multiple sectors including agriculture, dairy, fisheries, sugar, textile, storage, marketing, processing, consumer goods, and tribal development. Key programs include FPOs (Farmer Producer Organizations), ICDP (Integrated Cooperative Development Projects), and various sector-specific initiatives. NCDC also launched a new initiative called 'Bharat Taxi' - a cooperative-based ride-hailing service. The organization provides loans, grants, and technical assistance to cooperative societies across India through its network of regional directorates.

Differentiator

Problem solved

Functional benefit

Brands

• Bharat Taxi: A cooperative-based taxi service launched in partnership with cooperative and financial institutions, offering drivers full ownership of earnings and competing with private cab aggregators like Ola and Uber.

Products and services

• Cooperative Development Loans (Marketing, Storage, Processing, Consumer) Financial assistance and developmental credit to cooperative societies engaged in marketing, procurement, storage, sale of agricultural produce, processing units, consumer goods distribution, and industrial/service cooperatives.
• Sugar Sector Cooperative Financing Financial assistance to sugar mills and related cooperative enterprises for modernization, expansion, and working capital.
• Textile Cooperative Financing Credit and development support for textile cooperatives including handloom, powerloom, spinning mills, and textile processing.
• FPO - Farmer Producer Organizations Scheme Formation, promotion, and credit support for Farmer Producer Organizations to aggregate small and marginal farmers for better market access, inputs, and economies of scale.
• FFPO - Fish Farmer Producer Organizations Specialized FPO scheme for fish farmers and fishermen focused on aquaculture development, market linkage, and fisheries infrastructure.
• Dairy and Animal Husbandry Cooperative Financing Credit support for dairy cooperatives, milk processing units, and animal husbandry activities, including the Nandini Sahakar scheme focused on women empowerment.
• Fisheries Cooperative Financing Financial support for fisheries cooperatives including fishing infrastructure, boats, processing facilities, and cold storage.
• Poultry Cooperative Financing Support for poultry cooperatives including broiler farming and related infrastructure financing.
• ICDP - Integrated Cooperative Development Projects Comprehensive area-based development programs covering multiple aspects of cooperative development in a defined geographic area.
• Tribal Cooperative Development Program Special programs for cooperative development among tribal communities to support income generation and livelihoods.
• Yuva Sahakar Scheme Youth-focused cooperative development scheme encouraging young entrepreneurs to form and operate cooperatives.
• Ayushman Sahakar Scheme Healthcare cooperative scheme supporting healthcare infrastructure and services run by cooperative societies.
• Nandini Sahakar Scheme Cooperative scheme supporting dairy sector development with a focus on women empowerment through dairy cooperatives.
• Sahakar Mitra Scheme Mentorship and internship program connecting professionals and students with cooperative societies for technical and managerial support.
• LINAC - Livestock, Fisheries and Inland Aquaculture Business Incubation Centre Business incubation centre for promoting entrepreneurship in fisheries, livestock, and inland aquaculture sectors.
• CSR (Corporate Social Responsibility) Programs CSR funding support channeled through NCDC for cooperative development projects.
• Bharat Taxi Cooperative Ride-Hailing Service Cooperative-based ride-hailing service providing drivers with full ownership of earnings, fair pricing, profit redistribution, and social security benefits, competing with private aggregators such as Ola and Uber.

Quantifiable outcome

• Rs 95,200 crore disbursed to cooperative societies in FY25

Named customers7 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and flagship.

• Cooperation Ministry, Government of IndiacoreStrategic or Co-development Partner · 19 November 2025NCDC operates under the Ministry of Cooperation, Government of India. The 92nd Annual General Meeting was addressed by Union Minister Amit Shah. The Ministry and NCDC jointly launch cooperative development initiatives including the Bharat Taxi service.
• Consortium of Cooperative and Financial Institutions (Bharat Taxi)flagshipStrategic or Co-development Partner · 25 October 2025Bharat Taxi is a cooperative-based taxi service backed by a consortium of cooperative and financial institutions. The service offers fair pricing, profit redistribution to drivers, and social security benefits. Plans to compete with Ola and Uber through a cooperative model.
• State Governments and State Cooperative BankscoreChannel Partner/ Reseller/ DistributorNCDC channels loans through state governments and state cooperative banks for disbursement to district and primary cooperative societies across various sectors.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights2 records

Customer concentration

• Xx.com/MdNcd
• YouTubeyoutube.com/c/SahakarCooptubeNCDCIndia
• Facebookfacebook.com/ncdc.in
• Instagraminstagram.com/ncdcindia?igsh=MW40YnB5Z2ltZ2E0cA==
• LinkedInlinkedin.com/company/national-cooperative-development-corporation-ncdc-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Cooperative Development Corporation