The role of consumer cooperatives is very significant in the national economy for safeguarding the interest of consumers not only against unethical trade practices by the private traders, but also to enable them to have access to consumer goods of fair quality at competitive / reasonable prices. These cooperatives render useful service by ensuring availability of consumer goods at the door step of the consumer at reasonable price and also by exerting a healthy influence on market prices of essential commodities.

NCDC is operating a scheme for the promotion and development of distribution of consumer articles by Consumer Cooperatives. Under the scheme, financial assistance to consumer cooperatives and to other cooperatives engaged in consumer business at the Primary/District/State/National Level operating in Rural/Semi Urban/Urban areas are covered.

Eligible Cooperative Societies:

NCDC provides assistance to primary, district and state level cooperatives.

Activities Assisted:

  • Expansion/renovation of existing infrastructure or construction of new infrastructure such as shopping centre/godown/kerosene bunk/warehouse etc.

  • Purchase of furniture & fixtures and transport vehicle.

  • Margin money for raising working capital.

  • Working capital.

  • Computerization.

  • Creation/expansion/modernization of Consumer Oriented Processing/ Industrial Activities.

Mode of Funding:

Financial assistance is provided either through the State Govt. or directly to the eligible cooperatives.

Quantum of Assistance and Pattern of Assistance:

Varies from activity to activity and upto 90-95% of the total cost for most of the activities. However, in case of strengthening of share capital base/margin money/working capital assistance, the quantum of assistance can be upto 100%.

For detailed pattern of assistance please click at the link provided.

Norms for direct funding:

Cooperatives operating for minimum three years & broadly fulfilling following criteria are eligible:

(i) Net worth should be positive.

(ii) There should be no erosion in share capital.

(iii) Should be in a position to provide 1.25 to 1.5 times security.

(iv) Financial /operational performance of the cooperative should be at satisfactory level of NCDC.

Assistance provided by NCDC:

Rs. in crore

During F.Y. 2022-23 1.40
Up to year 2022-23 332.65


For detailed norms of Direct Funding please click at the link provided.


Common Loan Application Form for availing assistance under the scheme of NCDC can be downloaded from NCDC’s website.

For further details, please contact or write to:

Consumer Division
National Cooperative Development Corporation
4, Siri Institutional Area, Hauz Khas
New Delhi – 110 016
Tel No.: +91-011-20862512, 20862866, 20862490, 20862801
Fax: +91-011-26962370, 20862619, 26602568
Website: Email:

Regional Directorates of NCDC: Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Dehradun, Gandhinagar, Guwahati, Hyderabad, Jaipur, Kolkata, Lucknow, Patna, Pune, Raipur, Ranchi, Shimla, Thiruvananthapuram