Yuva Sahakar — Cooperative Enterprise Support and Innovation Scheme (NCDC)
Shown as running by: NCDC compendium of schemes (Hindi, 2025-26) (undated, भाग क (ii) रा.स.वि.नि. के मुख्य उत्पाद, क. युवा सहकार (contents and p.8))
NCDC term loans for new and young cooperatives with new or innovative ideas, at 2% below NCDC’s normal interest rate when instalments are paid on time — projects up to ₹3 crore, loan up to 80% of cost in the North-East, aspirational districts and all-women/SC/ST/disabled cooperatives, 70% elsewhere.
- Lead benefit
- 2%interest relief a year
- Components
- 1each read from the document
- Who can apply
- 1kinds of applicant
- Closing date
- Noneapply any time
What it pays
The cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, as long as every instalment is paid on time.
What the document says, word for word
The loan runs up to 5 years including a 2-year moratorium on principal. The document caps the project cost (₹3 crore, or ₹1 crore for a society under a year old), not the loan; the loan is 80% of cost in Category A (any cooperative in the North-East, cooperatives in NITI Aayog aspirational districts, and cooperatives whose members are 100% women/SC/ST/disabled) and 70% for all others (Category B).
“ब्याज की दर: रा.स.वि.नि. परिपत्र के अनुसार समय-समय पर ब्याज दरों को संशोधित किया जाता है। प्रोत्साहन के रूप में, रा.स.वि.नि. परियोजना गतिविधियों के लिए अपनी सामान्य ब्याज दर से 2% कम ब्याज दर पर आवधिक ऋण प्रदान करता है । ब्याज प्रोत्साहन केवल समय पर पुनर्भुगतान की स्थिति में ही मान्य होगा ।”How much can I claim?
This clause does not fund this applicant type (क. युवा सहकार — ब्याज की दर; ऋण की अवधि).
The loan runs up to 5 years including a 2-year moratorium on principal. The document caps the project cost (₹3 crore, or ₹1 crore for a society under a year old), not the loan; the loan is 80% of cost in Category A (any cooperative in the North-East, cooperatives in NITI Aayog aspirational districts, and cooperatives whose members are 100% women/SC/ST/disabled) and 70% for all others (Category B).
Who can apply
- Cooperative
Papers you need
- Audited accounts of the society up to last year (audited by a chartered accountant if the government audit is not finished)
- Security for the loan: a government or bank guarantee, fixed-deposit receipts, or a mortgage of the society's assets
How to apply
- Check the society has run for at least three months, has positive net worth and no cash losses (p.8, पात्रता ख–घ).
- Prepare a project report: up to ₹3 crore if the society has run a year or more, up to ₹1 crore if less than a year; working capital at most 20% of cost (p.8, परियोजना की लागत).
- Apply to the nearest NCDC Regional Office in NCDC’s common loan application form.
- Bring the society’s own share of the cost (20% or 30%, by category) and repay on time to keep the 2% lower rate (p.8, ब्याज की दर; वित्तपोषण पद्धति).
Applying is free. Never pay anyone to apply for you.
When to apply
The guidelines set no closing date.
Combining with other schemes
The documents do not say whether this can be combined with other schemes. Ask the implementing office before you count on both.