Parliament Question: PACS Modernization and Rural Credit

GOVERNMENT OF INDIA MINISTRY OF COOPERATION LOK SABHA UNSTARRED QUESTION NO. 297 TO BE ANSWERED ON 21st July, 2026 PACS Modernization and Rural Credit 297. Dr. Prabha Mallikarjun: Will the Minister of COOPERATION (सहकारिता मंत्री) be pleased to state: (a) the details of the progress made in modernization and computerization of Primary Agricultural Credit Societies across the country (PACS); (b) the details of PACS integrated with digital platforms, State-wise; (c) whether the Government has assessed the impact of PACS modernization on rural credit delivery, if so, the details thereof; (d) the measures being taken to improve access to affordable credit through cooperatives; and (e) the details of PACS modernization projects implemented in Davanagere district along with their present status? ANSWER THE MINISTER OF COOPERATION सहकारिता मंत्री (SHRI AMIT SHAH) (a) The details of progress made in modernization and computerization of Primary Agricultural Credit Societies across the country(PACS) is at Annexure-‘A’. (b) The Ministry has taken steps to integrate the PACS ERP system with other State platforms to streamline agricultural credit and service delivery. These are as under: - i. Andhra Pradesh – e-Governance Services, Paddy Procurement, LPG, MARKFED, IGRS Registration & Stamp Portal of GoAP, Public Distribution System (PDS), e-Crop, CCLA (Chief Commissioner of Land Administration) ii. Bihar: Aadhaar enabled Public Distribution System -AePDS, e-sahkari iii. Chhattisgarh: Ekikrit Kisan Portal, Committee Registration Module, Khadya portal, MARKFED, Bhuiyan Citizen Ui, Food, Civil Supplies and Consumer Protection Department iv. Gujarat: Gujarat cooperative Portal, Any ROR( Any Record of Rights) Gujarat portal, v. Madhya Pradesh: mp bhulekh, Samagra Samajik Suraksha Mission, vi. Rajasthan: e-Dharti, Hosting of ERP PACS software in RSDC, SSO, ePDS, Jan Soochna Portal, RajSahakar Portal vii. Uttar Pradesh: UP Bhulekh Portal viii. Tamil Nadu: CAMS (Comprehensive Audit Management System)Alongwith the above integrations, PACS ERP system also includes integration with Pradhan Mantri Kisan Samriddhi Kendras (PMKSK), Common Service Centres (CSCs), Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK), Kisan Rin Portal etc. (c) The details of loans disbursed and beneficiaries through ERP software are at Annexure- ‘A’. The computerization of PACS is at varying stages of implementation across States, and digital operations have commenced only recently in most of the PACS. As on date, about 50,000 PACS are disbursing loans using upgraded technology through ePACS. (d) Government has taken several measures to improve access to affordable credit through cooperatives, inter alia: (i) Computerization of PACS Project through common ERP-based software. (ii) Diversification of PACS into more than 25 economic activities through Model Bye-laws. (iii) Strengthening of PACS through convergence with various Government schemes like PACS working as Pradhan Mantri Kisan Samriddhi Kendra(PMKSK), Common Service Centre(CSC), Pradhan Mantri Bhartiya Janaushadhi Kendra(PMBJK) etc (iv) Integration of PACS with Kisan Rin Portal and other digital platforms. (v) Capacity building and training of PACS officials. (vi) Financial support for modernization of cooperative institutions through various schemes of Government of India and NABARD. (vii) Continuous monitoring and review of implementation with States/UTs for timely completion of the project. (e) In Davangere district of Karnataka State, under Central Government initiatives, the modernization projects taken up by PACS and their current status is as under:- 1. PACS Computerization:- Out of 185 PACS in Davangere district, 176 sanctioned PACS have been selected under PACS Computerisation and provided with hardware such as desktops, printers, UPS, VPN, and biometric identification devices. 164 PACS are onboarded to ERP software and out of which 153 PACS have completed the go-live stage, and all transactions are carried out through the common software online 2. PACS as Common Service Centres: - 156 PACS have been onboarded to CSC Platform out of which 76 PACS are active and services such as LIC premium payment, electricity bill payment, crop insurance, life and vehicle insurance premium payment facility, RTC (Right and Tenancy Certificate), and other land record documents are being provided to the rural population. ******Annexure-‘A’ Approved Hardware S. No State/UTs Name ERP Onboarded PACS Delivered Andaman and 1 46 46 46 Nicobar 2 Andhra Pradesh 2037 2021 2021 3 Arunachal Pradesh 139 14 14 4 Assam 850 709 581 5 Bihar 4495 4477 4482 6 Chhattisgarh 2028 2028 2028 7 Daman and Diu 9 4 4 8 Goa 86 58 55 9 Gujarat 6216 5754 5760 10 Haryana 710 710 710 11 Himachal Pradesh 1885 1789 1598 Jammu and 12 708 537 537 Kashmir 13 Jharkhand 2797 1500 1491 14 Karnataka 5894 5491 4590 15 Ladakh 10 10 10 16 Madhya Pradesh 5455 4536 4536 17 Maharashtra 12178 12000 12033 18 Manipur 308 196 214 19 Meghalaya 330 108 103 20 Mizoram 99 49 45 21 Nagaland 231 231 142 22 Odisha 4240 0 0 23 Pondicherry 45 45 44 24 Punjab 3482 3456 3454 25 Rajasthan 8525 6781 6933 26 Sikkim 131 107 107 27 Tamil Nadu 4561 4532 4481 28 Tripura 475 268 268 29 Uttar Pradesh 6257 3581 3219 30 Uttarakhand 1216 670 668 31 West Bengal 4187 4167 3512 Total 79630 65875 63686ANNEXURE-‘ B’ Membership, Loanee and Loans S. State Total Total Loans (Cr) Loans (Cr) No Membership Loanee 1Apr 25 to 1Apr 26 to Members 31 March26 15 July 26 1. Andaman and Nicobar 17,359 4,466 10.65 4.49 2. Andhra Pradesh 26,44,007 24,87,702 33,724.78 7,639.51 3. Arunachal Pradesh 15,934 211 - - 4. Assam 17,08,137 26,599 11.59 2.37 5. Bihar 75,02,351 4,281 7.65 5.77 6. Chhattisgarh 37,33,604 20,94,474 6,797.33 1,706.26 7. Daman and Diu 6,020 93 0.37 0.08 8. Goa 84,783 7,251 17.42 0.64 9. Gujarat 24,89,917 16,76,272 25,685.55 7,476.39 10. Haryana 27,14,141 12,11,058 16,712.31 5,568.70 11. Himachal Pradesh 11,39,201 2,23,928 611.86 89.76 12. Jammu and Kashmir 1,82,414 26,320 1.50 0.53 13. Jharkhand 9,13,828 14,422 10.26 0.27 14. Karnataka 77,82,575 36,27,074 35,641.43 4,934.32 15. Ladakh 1,179 - - - 16. Madhya Pradesh 61,75,257 53,65,520 37,892.58 17,002.49 17. Maharashtra 81,56,533 44,67,593 22,644.22 7,312.33 18. Manipur 33,774 2,577 2.40 0.25 19. Meghalaya 30,192 7,137 1.59 1.39 20. Mizoram 29,132 5,202 23.25 5.04 21. Nagaland 6,914 848 0.24 0.15 22. Puducherry 3,08,975 1,54,237 750.20 197.54 23. Punjab 26,19,295 15,23,385 34,368.22 361.27 24. Rajasthan 1,08,60,645 38,55,807 18,487.30 83,507.25 25. Sikkim 25,467 772 1.41 0.74 26. Tamil Nadu 2,78,64,077 1,43,03,227 82,788.11 16,410.58 27. Tripura 4,20,726 14,891 11.22 0.82 28. Uttar Pradesh 70,56,734 14,39,899 7,459.13 3,392.31 29. Uttarakhand 18,96,494 4,69,212 1,854.88 464.41 30. West Bengal 1,05,14,095 16,89,015 601.12 118.40 Total 10,69,33,760 4,47,03,473 3,26,118.56 1,56,204.04