{"id":3883,"date":"2025-01-08T17:34:29","date_gmt":"2025-01-08T12:04:29","guid":{"rendered":"https:\/\/indianlawsociety.com\/?p=3883"},"modified":"2025-01-13T18:35:32","modified_gmt":"2025-01-13T13:05:32","slug":"supporting-dairy-cooperatives-and-fpos-a-working-capital-loan-and-interest-subvention-scheme","status":"publish","type":"post","link":"https:\/\/karma.law\/insights\/law-library\/supporting-dairy-cooperatives-and-fpos-a-working-capital-loan-and-interest-subvention-scheme\/","title":{"rendered":"Supporting Dairy Cooperatives and FPOs: A Working Capital Loan and Interest Subvention Scheme"},"content":{"rendered":"<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The Indian government has introduced the &#8220;Supporting State Dairy Cooperatives and Farmer Producer Organizations (SDC&amp; FPO) engaged in dairy activities&#8221; scheme to provide much-needed financial support to dairy cooperatives and FPOs. This initiative is designed to help these organizations navigate challenging market conditions, natural calamities, and other unforeseen circumstances. This article explores the scheme&#8217;s objectives, components, and implementation.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Objectives: Providing Stability and Support<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The primary objectives of the scheme are:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">To offer soft working capital loans to dairy cooperatives and FPOs to mitigate crises arising from adverse market conditions or natural disasters.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">To provide stable market access for dairy farmers, ensuring they have a reliable channel for selling their milk.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">To enable timely payments to farmers by cooperatives and producer organizations, thus ensuring their livelihood.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">To help cooperatives and FPOs procure milk from farmers at a remunerative price, even during peak production seasons.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Key Components: Working Capital Loan and Interest Subvention<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme comprises two main components:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Component A: Working Capital Loan<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0&#8211; This component provides funds in the form of soft working capital loans. However, it is currently kept under suspension for 2022-23.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Component B: Interest Subvention on Working Capital Loan<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0&#8211; This provides a 2% per annum interest subvention on secured\/unsecured working capital loans. An additional 2% subvention is provided for timely repayment.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Eligibility Criteria: Identifying the Beneficiaries<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">To be eligible for the benefits of the scheme, dairy cooperatives and FPOs must meet several conditions:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">They must not be defaulters on previous loans from NDDB or NCDC<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Submit past financial records with their loan applications<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Demonstrate a Debt Service Coverage Ratio (DSCR) of at least 1.25 times, and post operating profits for the last 3 consecutive financial years.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Ensure compliance with all scheme guidelines.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">They must not be availing any other state subsidy for milk procurement.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Implementation and Management:<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">High Powered Committee (HPC):<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0This committee, chaired by the Secretary (DADF), oversees the scheme, makes disbursement decisions, and guides implementation.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">National Dairy Development Board (NDDB):<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0The NDDB is the implementing agency, responsible for disbursing funds, managing claims, and monitoring compliance.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Financial Provisions: Aiding Cash Flow<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">The scheme has an allocation of Rs. 100 crore for interest subvention in 2022-23.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">A 2% per annum interest subvention is provided to eligible organizations, with an additional 2% for prompt repayments.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Subvention is provided on a back-ended basis every month, after verification of claims.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Borrowers are expected to make payments within a 9-month cycle.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Application Process: Ensuring a Streamlined Approach<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">Eligible borrowers must follow a prescribed process, which includes:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Submitting an application in a prescribed format to NDDB.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing month-wise details of milk procurement, sales, and cash flows.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Demonstrating a history of regular repayments.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing audited annual accounts for the last three financial years.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Monitoring and Evaluation: Ensuring Compliance<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme&#8217;s progress is monitored through:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Quarterly progress reports from implementing agencies.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Annual reports and audit reports by participating agencies<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Utilization certificates by the implementing agency in the prescribed format.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Regular review by the High Powered Committee<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Conclusion<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The &#8220;Supporting State Dairy Cooperatives and Farmer Producer Organizations&#8221; scheme plays a crucial role in stabilizing India\u2019s dairy sector. Through providing working capital loans and interest subventions, the scheme empowers cooperatives and FPOs, ensuring fair prices for farmers, and fostering sustainable growth.<\/span><\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Supporting-Dairy-Cooperatives-Farmer-Producer-Organizations-SDCFPO.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Supporting Dairy Cooperatives &amp; Farmer Producer Organizations (SDCFPO).\"><\/object><a id=\"wp-block-file--media-e13b98a2-3db0-4b81-8ab8-e97a0f591c46\" href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Supporting-Dairy-Cooperatives-Farmer-Producer-Organizations-SDCFPO.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Supporting Dairy Cooperatives &#038; Farmer Producer Organizations (SDCFPO)<\/a><a href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Supporting-Dairy-Cooperatives-Farmer-Producer-Organizations-SDCFPO.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-e13b98a2-3db0-4b81-8ab8-e97a0f591c46\">Download<\/a><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"The Indian government has introduced the &#8220;Supporting State Dairy Cooperatives and Farmer Producer Organizations (SDC&#038; FPO) engaged in dairy activities&#8221; scheme to provide much-needed financial support to dairy cooperatives and FPOs. This initiative is designed to help these organizations navigate challenging market conditions, natural calamities, and other unforeseen circumstances.","protected":false},"author":1,"featured_media":6056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[356,25,49],"tags":[558,618,615,617,616,619],"class_list":{"0":"post-3883","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-animal-husbandry-and-fishing","8":"category-law-library","9":"category-schemes-and-yojanas","10":"tag-dairy-cooperatives","11":"tag-dairy-sector-support","12":"tag-farmer-producer-organizations","13":"tag-interest-subvention","14":"tag-milk-procurement","15":"tag-working-capital-loan","16":"cs-entry","17":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Supporting Dairy Cooperatives and FPOs: A Working Capital Loan and Interest Subvention Scheme<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karma.law\/insights\/law-library\/supporting-dairy-cooperatives-and-fpos-a-working-capital-loan-and-interest-subvention-scheme\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Supporting Dairy Cooperatives and FPOs: A Working Capital Loan and Interest Subvention Scheme\" \/>\n<meta property=\"og:description\" content=\"The Indian government has introduced the &quot;Supporting State Dairy Cooperatives and Farmer Producer Organizations (SDC&amp; FPO) engaged in dairy activities&quot; scheme to provide much-needed financial support to dairy cooperatives and FPOs. 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