Naresh Garg 
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
When a seasonal farm worker in Bilaspur, Chhattisgarh needed an appendectomy in 2023, the nearest district government hospital had no surgeon available that week. The private clinic nearby quoted ₹75,000 — roughly five months of his annual income. What saved him was a community-owned health cooperative that performed the same procedure, including post-operative care, for … Read more
In a small drying yard in Laskein block, West Jaintia Hills, I watched a woman named Rikynti Suchiang spread freshly boiled turmeric rhizomes across bamboo mats, the late-March sun turning each finger-shaped piece into something almost golden enough to be currency. She told me her cooperative had shipped 3.2 tonnes of organic Lakadong turmeric to … Read more
In Barmer district, Rajasthan, a dairy cooperative society runs a fuel station off National Highway 15. The nearest private petrol pump is 38 kilometres away. For the roughly 4,200 member-households of this cooperative, the pump isn’t just a convenience — it’s the reason their tractors run during sowing season without a full day lost to … Read more
The 97th Constitutional Amendment was passed by Parliament in December 2011 with almost no public debate. Most of the 8.5 lakh cooperative societies operating across India — and their roughly 290 million members — had no idea that Parliament had just rewritten the constitutional rules governing their daily financial lives, or that a decade later, … Read more
In the summer of 2023, soybean farmers in Harda district, Madhya Pradesh, watched helplessly as local traders offered them ₹3,800 per quintal — roughly 30% below the government‘s minimum support price. By the following rabi season, those same farmers were selling directly through their newly registered cooperative at ₹5,200 per quintal, pocketing an additional ₹14,000-₹18,000 … Read more
Every year, millions of Indian farmers lose their crops to floods, drought, or unseasonal rain — and most of them never receive a single rupee in compensation. The problem is not that crop insurance doesn’t exist — it’s that most farmers never learn how to apply for it correctly. In this guide, I will walk … Read more
Most farmers I speak to know organic farming is the future — but very few know the government is actually paying you to make the switch. There is real money available, a real process to follow, and most people are simply not using it. Under the Paramparagat Krishi Vikas Yojana (PKVY), the Indian government provides … Read more
