Cooperative Movement in West Bengal: A Comprehensive Overview

This overview delves into the cooperative movement in West Bengal, highlighting key statistics such as the number of cooperative societies, members, PACS, and banks. It also covers aspects like enrolment of new members, crop loans disbursed, beneficiaries of crop loans, and issuance of medium to long-term loans. Additionally, it showcases the status of various schemes implemented through the State Cooperative Banks, shedding light on beneficiaries and amounts disbursed for each scheme.

• Cooperative Movement
• West Bengal
• Overview
• Statistics
• Schemes

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1. An overview of Cooperative Movement in West Bengal

2. At a Glance Number of Cooperative Societies Number of Members : 36,940 : 85.80 lakh Number of PACS Number of Members of PACS Number of PACS mobilising Deposit Amount of Deposit mobilised by PACS Number of Customer Service Point established : 2342 : 5880 : 47.95 lakh : 2822 : Rs.11,638.23 crores Number of Central Cooperative Banks Number of Service Outlets under STCCS Number of Licensed Urban Cooperative Banks : 40 : 17 : 368 Number of Primary CARD Banks Number of Service Outlets under LTCCS : 24 : 111

3. Enrolment of New Members in PACS 157,486 160,000 Number of New Members enrolled 137,016 140,000 120,000 97,406 100,000 68,546 80,000 No. of New Members Enrolled 53,636 60,000 40,000 20,000 0 2017-2018 2018-2019 2019-2020 2020-2021 2021-2022 Financial Year

4. Crop Loan disbursed by WBSCB & 17 CCBs under STCCS 4589.53 5000.00 4336.89 4048.13 3695.92 4000.00 3382.67 Rupees in crores 3000.00 Crop Loan disbursed 2000.00 1000.00 0.00 2017-2018 2018-2019 2019-2020 2020-2021 2021-2022 Financial Year

5. Live KCC and Beneficiaries of Crop Loan 1,963,587 1,876,996 2,000,000 1,800,000 1,526,804 1,492,850 1,600,000 1,441,763 1,400,000 1,544,538 1,475,639 Number 1,424,074 1,200,000 No. of live KCC No. of Beneficiaries 1,289,887 1,182,916 1,000,000 800,000 600,000 400,000 200,000 0 2017-2018 2018-2019 2019-2020 Financial Year 2020-2021 2021-2022

6. Medium & Long Term Loan Issued by WBSCB & 17 CCBs under STCCS Loan Issued during the year 2021-2022 (Rs. in crore) Loan Outstanding as on 31-03-2022 (Rs. in crore) Type of Loan Agricultural & Agri-allied Loan (other than Crop Loan and SHG Loan) 194.58 220.56 Other Priority Sector Loan 489.48 1655.65 Non-Priority Sector Loan 2481.99 3977.85 Total 3166.05 5854.06

7. Status of various Schemes being implemented through STCCS Financial Year >> 2021-2022 2022-2023 Number of beneficiaries Amount disbursed (Rs. in crore) Number of beneficiaries Amount disbursed (Rs. in crore) Scheme Name MatsyaJeebi Credit Card Scheme 1273 9.96 1235 7.85 West Bengal Student Credit Card Scheme 2259 22.51 977 9.77 PACS as Multi Service Centre under Agriculture Infrastructure Fund (AIF) -- -- 30 484.55 61,63,874 (Kharif 2021) 1819.31 KrishakBandhu (Assured Income) Scheme 87,98,252 (Kharif 2022) 2455.71 77,32,965 (Rabi 21-22) 2204.45

8. Loan Issued by WBSCARDB & 24 Primary CARD Banks under LTCCS 340.30 320.85 350.00 310.72 290.84 276.57 300.00 261.03 258.19 246.66 250.00 216.31 200.72 Rupees in Crores 200.00 Farm Loan Total Loan 150.00 100.00 50.00 0.00 2017-2018 2018-2019 2019-2020 Financial Year 2020-2021 2021-2022

9. Performance of 40 licensed Primary Urban Co-operative Banks 6,000.00 5,199.21 4,988.66 Rupees in crores 5,000.00 4,764.73 4,580.91 4,186.85 4,000.00 3,000.00 2,519.11 2,386.69 2,344.24 2,195.60 1,895.96 2,000.00 1,000.00 0.00 2018 2019 2020 2021 2022 Deposit & interest outstanding Loan & interest outstanding

10. Number of Self Help Group (SHG) 250,000 204,847 176,587 192,985 186,786 181,554 158,967 Number of SHGs 200,000 176,608 158,981 176,903 172,688 150,000 Savings linked Credit Linked 100,000 50,000 0 2017-2018 2018-2019 2019-2020 Financial Year 2020-2021 2021-2022

11. Deposit and Loan of Self Help Group (SHG) 2,000.00 1,631.59 Rupees in Crores 1,412.07 1,500.00 1,104.41 1,066.78 1,028.75 831.88 1,000.00 807.22 Deposit Mobilised Loan Issued 709.04 625.66 526.84 500.00 0.00 2017-2018 2018-2019 2019-2020 2020-2021 Financial Year 2021-2022

12. Diversification & Convergence of Activities Seed Processing, Irrigation, Farm Mechanization, Soil Testing Animal Husbandry Pisciculture, Floriculture & Nursery ICDS, Mid-Day Meal Supply Public Distribution System Distributor / Dealer Procurement, Processing, Marketing of Agril. Produce Cooperatives Handicrafts & MSME Vermicompost Production Service Cooperatives (Transport, Tourism, Hospital, Training, etc.) MGNREGA Projects

13. New Initiatives Customer Service Points (CSP) established in 2342 PACS to provide modern financial services (viz. RTGS, NEFT, etc.) to its customers at remote corners of the State particularly in unbanked areas. Farm Machinery Hubs (Custom Hiring Centre) have already been set up in 379 cooperative societies to increase agricultural yield by farm mechanization. Financial assistance have been provided to one lakh SHG Members under the scheme Income Enhancement Initiative for SHGs through Poultry Farming & Goat Rearing for empowerment of women. The WBSCARDB Ltd. has taken initiative for digitization of the operation of the LTCCS with the active financial support of the State Government to provide financial services (i.e. NEFT/RTGS/DBTL etc.) to its customers. Initiative has been taken to introduce Mobile Banking Service under STCCS and a few CCBs have already started Mobile Banking Service.

14. Computerisation of PACS (Centrally Sponsored Project) In principle, the implementation of the project has been accepted by the State Government. Number of PACS to be covered under the project and requirement of fund has been finalised. Audit upto the year 2021-2022 in respect of 40% of PACS has already been completed. Audit of remaining PACS will be completed by September, 2022. SLIMC & DLIMC has been constituted. Opening of SNA Account for the project is under process.

15. Thank you