Computerisation of Primary Agriculture and Credit Society (PACS)

Cabinet has approved computerisation of primary agricultural credit societies (PACS) with total outlay of 2516 crore rupees.


  • The project has proposed computerization of about 63,000 functional PACS over a period of five years.
  • The project focuses on improving efficiency of PACS, bringing transparency and accountability in their operations.
  • Out of total budget outlay of 2,516 crore, Government of India share will be of 1,528 crore.
  • It will fulfil the aim of financial inclusion and also strengthen service delivery to farmers especially small and marginal farmers (SMFs).
  • It will become delivery point for various services and provision of inputs like fertilizers, seeds etc.
  • The project will help in making PACS as outlets for banking activities and also non-banking activities.
  • It will also prove beneficial in improving digitalisation in rural areas.

 About PACS

  • It is smallest unit in cooperative sector which works with farmers and aim at development of rural economy.
  • PACS account for 41% (3.01 crore farmers) of the kisan credit card (KCC) loans given by all entities in the country and 95% of these KCC loans (2.95 crore farmers) through PACS are to the small and marginal farmers.
  • Primary Agricultural Cooperative credit societies (PACS) is the lowest tier of the three-tier short-term cooperative credit (STCC).
  • The other two tiers i.e State Cooperative Banks (SCBs) and District Central Cooperative Banks (DCCBs) already work on Common Banking Software (CBS).

Kisan Credit Card (KCC) Scheme

The Kisan Credit Card (KCC) scheme was launched in 1998. It is aimed at  providing credit support from the banking system under a single window with flexible and simple procedure to the farmers for their cultivation and other services such as purchase of agriculture inputs including seeds, fertilizers, pesticides etc. It also allow them to take cash for their production needs.




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