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Ayushman Sahakar

Topics Covered: Inclusive growth and issues arising from it.

Ayushman Sahakar:


Launched recently.

What is it?

It is a scheme to assist cooperatives play an important role in creation of healthcare infrastructure in the country.

Formulated by:

National Cooperative Development Corporation (NCDC), an autonomous development finance institution under the Ministry of Agriculture and Farmers Welfare.

Key features and implementation of the scheme:

  • NCDC will extend term loans to prospective cooperatives.
  • A fund will be created for the purpose.
  • Any Cooperative Society with suitable provision in its byelaws to undertake healthcare related activities would be able to access the NCDC fund.
  • NCDC assistance will flow either through the State Governments/ UT Administrations or directly to the eligible cooperatives.
  • The scheme also provides working capital and margin money to meet operational requirements.
  • The scheme provides interest subvention of one percent to women majority cooperatives.

Cooperatives in healthcare and why focus on them?

There are about 52 hospitals across the country run by cooperatives. They have cumulative bed strength of more than 5,000.

  • By virtue of their strong presence in rural areas, cooperatives utilizing the scheme would bring revolution in comprehensive health care services.

Benefits of the scheme:

COVID 19 pandemic has brought into focus the requirement of creation of more facilities.

  • Therefore, NCDC’s scheme will be a step towards strengthening farmers welfare activities by the Central Government.
  • With this scheme, villagers will get many facilities including hospitals, medical colleges.

In line with the National Health Policy, 2017:

The scheme aligns itself with the focus of the National Health Policy, 2017, covering the health systems in all their dimensions- investments in health, organization of healthcare services, access to technologies, development of human resources, encouragement of medical pluralism, affordable health care to farmers etc.

In line with the National Digital Heath Mission:

The scheme would bring transformation in rural areas.


Prelims Link:

  1. Focus of the scheme.
  2. Formulated by?
  3. Eligibility.
  4. Provision for Working capital under the scheme.
  5. Provision for interest subvention.

Mains Link:

Discuss the significance of the scheme.

Sources: PIB.