CFAACOBRR
COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)
5.9/10The scheme provides financial assistance to Primary Agricultural Credit Societies (PACS) and Large-sized Agricultural Multi-Purpose Societies (LAMPS) in General and Tribal areas to strengthen their economic viability and ensure their continued contribution to the cooperative credit structure.
States / UT: Gujarat
Nodal department: Agriculture, Farmers Welfare and Cooperation Department
Scheme for: Infra
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment
Sub-categories: Financial assistance
Target beneficiaries: Government Organisation
Tags: Agriculture, Co Operative Banks, Reconstruction
Details
The scheme "COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)" introduced by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat, aims to make economically weak but functionally efficient PACS/LAMPS financially viable. These societies play a foundational role in the three-tier cooperative credit system, and their performance impacts District and State Cooperative Banks. The scheme incentivizes societies based on their growth in credit disbursement, loan recovery, and deposit mobilization over the past three years (two years for LAMPS).
Benefits
- Incentive admissible over and above the average amount of the last three years Percentage of the grant of incentive on the excess amount For growth from 10% to 15% 1 %For growth above 15% and up to 20% 1.5 %For growth above 20% 2% or a maximum of ₹.50 000/- whichever is less (on deposits up to a ₹2 00 000/- whichever is less) Note: The benefit of the scheme is available only once in a financial year
Incentive admissible over and above the average amount of the last three years*Percentage of the grant of incentive on the excess amount**For growth from 10% to 15% 1 %For growth above 15% and up to 20% 1.5 %For growth above 20% 2% or a maximum of ₹.50,000/- whichever is less (on deposits up to a ₹2,00,000/- whichever is less)
Note: The benefit of the scheme is available only once in a financial year.
Eligibility
- The applicant must be a registered Agricultural Co-operative Credit Society, either a Primary Agricultural Credit Society (PACS) or a Large-sized Adivasi Multi-Purpose Society (LAMPS).
- The society must have been operational and performing for the required duration:
- PACS: At least the last three years.
- LAMPS: At least the last two years.
- The applicant must provide performance data for the relevant period, showing:
- Growth in credit disbursement (short and medium-term).
- Improvement in loan recovery rates.
- Increase in deposit collection.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility5.0
- Financial impact9.0
- Rural utility7.0
- Awareness4.0
- Simplicity5.0
- Inclusivity4.0
What problem does this scheme solve?
The scheme aims to strengthen the financial viability of Agricultural Credit Co-operative Societies, which are crucial for rural credit systems.
Key challenges addressed
- Financial instability of PACS and LAMPS
- Inadequate credit disbursement and loan recovery
Most beneficial for
- Registered Agricultural Co-operative Credit Societies
- PACS and LAMPS in General and Tribal areas
Likely challenges
- Limited awareness among eligible societies
- Complexity in application process
Practical insights for citizens
Operational societies may find it challenging to gather required performance data
Rural challenges
- Limited awareness of the scheme
- Access to District Registrar's Office
Implementation bottlenecks
- Verification delays
- Dependence on physical documentation
Awareness challenges
- Low visibility among potential beneficiaries
Application analysis
- Application mode
- Offline office
- Documents burden
- Minimal, but requires performance data
- Verification complexity
- Moderate, involves verification by District Registrar
- Office dependency
- High, requires physical submission
- CSC support
- Limited
- Estimated citizen effort
- Moderate, requires proposal preparation and submission
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- Once per financial year
- Benefit practicality
- Practical for eligible societies showing growth
- Financial meaningfulness
- Moderate, as the maximum benefit is capped
- Long-term impact
- Potentially positive if societies utilize funds effectively
Plain-language guidance
This scheme provides financial help to agricultural credit societies to improve their operations. Eligible societies can apply for assistance based on their performance in credit and deposits.
- Who should apply
- Registered Agricultural Co-operative Credit Societies that have been operational for the required duration.
- Who may struggle
- Newly registered societies and those with limited performance data.
- Best application route
- Apply directly at the District Registrar's Office with the necessary proposal.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
Step 1: The concerned Agricultural Credit Co-operative Society must prepare a proposal.
Step 2: The proposal should be submitted to the District Registrar Office.
Step 3: The application should include all required supporting documents.
Step 4: The Registrar will verify and forward the eligible applications for financial assistance under the scheme.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the objective of this scheme?
The scheme provides financial assistance to Primary Agricultural Credit Societies (PACS) and Large-sized Agricultural Multi-Purpose Societies (LAMPS) in General and Tribal areas to help them restructure and reestablish their operations.
- Who is eligible to apply for this scheme?
Only registered Agricultural Co-operative Credit Societies (PACS/LAMPS) that have been operational for the last three years (or two years in the case of LAMPS) are eligible to apply for this scheme.
- How often can a society avail the benefits of the scheme?
A society can avail the benefits of the COP-5 scheme only once during a financial year.
- What is the minimum operational period required for a society to apply?
A PACS must be operational for at least three years, and a LAMPS must be operational for at least two years to be eligible for the scheme.
- What kind of financial performance is rewarded under the scheme?
Societies that show growth in short and medium-term credit disbursement, loan recovery, and deposit collection over the previous years are rewarded under the scheme.
- What is the maximum financial assistance that can be availed through this scheme?
The maximum financial incentive under this scheme is 2% of the excess amount or ₹50,000/-, whichever is less, applicable on deposits up to ₹2,00,000/-.
- Are societies located in Tribal areas also eligible under this scheme?
Yes, the scheme is applicable to societies in both General and Tribal areas.
- Can newly registered societies apply for the scheme?
No, newly registered societies are not eligible. The society must be operational for a minimum of three years (or two years for LAMPS).
- Where should a society submit its application for the scheme?
The application must be submitted to the District Registrar’s Office along with the required supporting documents.
- Is the scheme available through an online application process?
No, there is no online application process. All applications must be submitted in person through the District Registrar’s Office.
Official links
References
- Guidelines
- https://agri.gujarat.gov.in/Home/SchemesDetailsPage?Id=VBmlBmd+scMV9XoODqMfYw==&domain=v4lc2tu73R/9lWYKO76SRg==
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) is a government welfare initiative designed to support Infra, Government Organisation through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Eligibility for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Benefits under COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) is managed by Agriculture, Farmers Welfare and Cooperation Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Yes, eligible applicants may be able to apply online for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Applications for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area).
- Is COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) available in all states?
- No, COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
- Can residents outside Gujarat apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Eligibility for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Eligible small and marginal farmers may apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) provide subsidy support for farmers?
- COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Can CSC centres help users apply for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area)?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) in Gujarat?
- Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with COP-5 Financial Assistance to Agricultural Credit Co-operative Banks (PACS/LAMPS) for Reconstruction and Reestablishment (General/Tribal Area) applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.