Credit & Other Sectoral Cooperatives

The country has adopted the strategy of financial inclusion through banking system, practically excluding the cooperative banks. There is no doubt that our financial inclusion reform has been transformational. However, even now till (December 2025), all the households located in states of Karnataka, Chhatisgarh, Rajasthan, Odisha as also North Eastern States (Assam, Mizoram, Manipur and Nagaland) and Jammu & Kashmir (UT) have not been covered with even opening of bank accounts

The two-day National Level Workshop and Review Meeting on Strengthening the Cooperative Sector, convened in Udaipur, Rajasthan, on 8 and 9 January 2026, marked a pivotal milestone in India’s cooperative reform process. Organised by the Ministry of Cooperation, the meeting functioned as a structured review of implementation progress across states and union territories within the Sahkar se Samriddhi framework, moving beyond a routine consultative exercise.

Cooperative institutions are more than just organizations—they are communities built on trust, equality, and shared growth. Choosing a career in this sector means choosing to work for people, with people. A cooperative is a group of people who come together to meet common needs—whether in farming, banking, housing, or services. Unlike private companies that focus only on profit, cooperatives focus on people. Every member has a voice, and decisions are made together.