Two of India’s most ancient natural fibers — silk and coir — are quietly fueling a new wave of rural prosperity, and most people outside these communities have no idea how profitable these cooperative ventures have become. I’ve been tracking the growth of fiber-based cooperatives across southern and eastern India, and the numbers tell a … Read more
I’ve spent years studying the economics behind India’s decentralized textile sector, and one question keeps surfacing among weavers, policymakers, and cooperative advocates alike — does joining a powerloom cooperative actually put more money in a weaver’s pocket than working independently? The answer is more nuanced than most people assume, and the income gap between these … Read more
When a small group of farmers in Anand, Gujarat handed their milk cans to a barely-organized cooperative in 1946, they weren’t launching a brand — they were staging a revolt. That act of collective defiance against exploitative middlemen became the seed of what is now India’s largest food products organization, one whose annual turnover has … Read more
India’s cooperative movement is one of the largest in the world, touching the lives of over 290 million members spread across more than 800,000 cooperative societies. Behind this vast network, state cooperative federations serve as the backbone, coordinating activities between primary societies and national-level apex bodies. I’ve put together a detailed resource covering these federations, … Read more
In Barmer district’s Chohtan tehsil, a groundnut farmer named Ramdev Bishnoi walked seventeen kilometres last monsoon season to reach the nearest bank branch — only to be told his loan application would take another forty-five days. By then, the sowing window had closed. He returned home, borrowed ₹38,000 from a local moneylender at 36% annual … Read more
Last March, a dairy cooperative in Sangli district, Maharashtra, with over 1,200 member-farmers, was denied a ₹45 lakh working capital loan by the district central cooperative bank. The reason wasn’t low revenue or shrinking membership — it was a single letter on a government document: audit grade “C.” That one classification, buried in an annual … Read more
Last monsoon, a retired schoolteacher named Meena Kulkarni in Kothrud received a notice that shook her entire apartment block. The Sahyadri Cooperative Housing Society, where she had lived for 32 years, was sitting on land now valued at approximately ₹185 crore — and a private developer wanted to redevelop the entire plot. The 144 member-families … Read more
If you have a savings account or a fixed deposit in a cooperative bank, there is a good chance you have wondered at some point whether your money is truly safe. The collapse of Punjab and Maharashtra Co-operative (PMC) Bank in 2019 shook public confidence, and it forced regulators to rethink how urban cooperative banks … Read more
A single farmer with five buffaloes can only do so much, but when an entire village pools its milk together, the bargaining power shifts dramatically. I have seen firsthand how cooperative dairy farming has turned struggling households into stable, income-generating units — and the model is far simpler to replicate than most people assume. Why … Read more
Thousands of cooperative societies across India leave crores of rupees in government grants unclaimed every year simply because they don’t know how to apply. I’ve spent years studying the cooperative ecosystem in India, and I can tell you that the funding infrastructure is remarkably generous — if you know where to look and how to … Read more
