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Departments

Cooperation

A cooperative loan and membership

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Contact information

Tamil Nadu Secretariat
Minister in-charge

Hon'ble Thiru K.R. Periakaruppan - Minister for Cooperation

Headquarters & office address

Registrar of Cooperative Societies, 170 Periyar EVR High Road, Kilpauk, Chennai 600010

Email address
[email protected]

Directorates, boards & agencies under this department

  • Registrar of Cooperative Societies Headquarters
  • Primary Agricultural Cooperative Credit Societies (PACCS)
  • Tamil Nadu State Apex Cooperative Bank (TNSC Bank)
  • District Central Cooperative Banks (DCCB)
  • Cooperative Consumer Wholesale Stores

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Frequently asked citizen questions (FAQs)

Where to check cooperative crop loan and jewel loan waiver details?

Details regarding government-notified jewel loan waivers (up to 5 sovereigns) and short-term agricultural crop loan waivers can be verified directly at cooperative societies.

How to verify:

  • Visit the branch of the Primary Agricultural Cooperative Credit Society (PACCS) or District Central Cooperative Bank (DCCB) where you borrowed.
  • Check the official beneficiary waiver eligibility list published on the society notice board.

Waiver conditions:

  • Eligible gold jewel loans pledged up to 5 sovereigns (40 grams) per family under government norms.
  • Short-term crop loans for eligible small and marginal farmers waived as per government orders.

Required documents:

  • Original pawn receipt or crop loan passbook.
  • Aadhaar card and Smart Family Ration card.
  • The cooperative society issues an official No-Dues Loan Waiver Certificate upon verification.
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How to become a member and open a savings account in a cooperative society?

Cooperative banks provide secure savings bank accounts, higher interest fixed deposits for seniors, and low-interest gold loans for the general public.

How to enroll:

  • Visit your nearest Primary Agricultural Cooperative Credit Society (PACCS), Urban Cooperative Bank (UCB), or District Central Cooperative Bank (DCCB).
  • Complete the membership admission form and deposit nominal share capital (₹10 to ₹100).

Required documents:

  • Applicant's Aadhaar card.
  • Smart Family Ration card copy.
  • 2 passport-size photographs.
  • PAN Card or Form 60.

Benefits:

  • Attractive fixed deposit interest rates (typically 0.5% higher for senior citizens than commercial banks).
  • Priority access to interest-free agricultural crop loans and affordable jewel credit.
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How are cooperative bank loans and revolving funds disbursed to Women SHGs?

Cooperative banks disburse collateral-free microcredit to Women Self-Help Groups (SHGs) to promote micro-enterprises and women empowerment.

Eligibility & process:

  • SHGs formed, registered, and graded by the Tamil Nadu Corporation for Development of Women (TNCDW / Mathi).
  • Group must be active for at least 6 months with regular internal savings and credit discipline.
  • Apply for credit linkage at your local PACCS or District Central Cooperative Bank.

Loan quantum & subsidy:

  • Credit linkage loans ranging from ₹5 Lakhs to ₹10 Lakhs per group.
  • Groups repaying promptly receive government interest subvention subsidies.

Productive uses:

  • Dairy farming, tailoring, petty trading, handicraft manufacturing, and cottage industries.
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