**Executive Summary**
This report details the progress and initiatives undertaken by the Ministry of Cooperation to strengthen Primary Agricultural Credit Societies (PACS) in Haryana, specifically within the Bhiwani and Mahendergarh districts. It highlights the successful computerization of 710 PACS, the implementation of digital loan portals, and the provision of significant financial refinance by NABARD for the 2024-25 and 2025-26 fiscal years. The document also outlines infrastructure expansion under the "World’s Largest Grain Storage Plan" to enhance farmers' access to credit and marketing.
**Key Points / Main Content**
**PACS Computerization and Digitalization**
* **District Progress:** All PACS in Bhiwani (32) and Mahendergarh (23) are fully computerized and utilizing ePACS software for daily operations.
* **Statewide Digitization:** Under a Centrally sponsored project, 710 PACS in Haryana have been digitized to improve credit delivery efficiency and storage access.
* **e-KCC Initiative:** A NABARD-developed digital loan origination portal is being piloted in Haryana to reduce processing times and operational costs for KCC loan applications.
**Operational and Regulatory Framework**
* **Model Bye-Laws:** 799 multipurpose PACS in Haryana have adopted Model Bye-Laws, enabling them to provide fertilizers, storage, and marketing support.
* **Marketing Linkages:** PACS are encouraged to link with National Cooperative Organics Limited (NCOL) and National Cooperatives Exports Limited (NCEL) to improve farmers' market access.
**Financial Support and Literacy**
* **Refinance Facilities:** For FY 2024-25, NABARD extended ₹5817.00 crore in Short-Term Refinance and ₹40.00 crore in Long-Term Refinance to Rural Cooperative Banks.
* **Joint Liability Groups (JLGs):** NABARD sanctioned ₹76.00 lakh for FY 2025-26 to form and link 1,900 JLGs, focusing on small, marginal, and tenant farmers.
* **Educational Outreach:** Financial and Digital Literacy Camps (FDLCs) are being conducted via grant support from the Financial Inclusion Fund (FIF) to raise awareness among rural populations.
**Infrastructure Development**
* **Storage Expansion:** Haryana is implementing the “World’s Largest Grain Storage Plan,” with 45 PACS/Cooperative Societies already identified for inclusion to enhance rural storage capacity.
* **Dairy Cooperatives:** The document notes that no new dairy cooperative unions are currently proposed for South Haryana.
**Impact Analysis**
**Primary Agricultural Credit Societies (PACS)**
* **Impact:** Transitioned to digital operations with expanded service capabilities (fertilizers, storage, and marketing) under new bye-laws.
* **Action Required:** Implement computerized daily reporting and establish links with national organic and export cooperatives (NCOL/NCEL).
**Farmers (Small, Marginal, and Tenant)**
* **Impact:** Improved access to credit through JLGs and reduced loan processing times via the e-KCC portal; increased local storage and marketing options.
* **Action Required:** Utilize digital platforms for loan applications and participate in Financial and Digital Literacy Camps.
**Rural Cooperative Banks**
* **Impact:** Received substantial financial liquidity through NABARD refinance and grants to support rural credit flow.
* **Action Required:** Execute the formation of 1,900 Joint Liability Groups and conduct literacy camps using provided grant funds.
Key Entities Referenced
Primary Agricultural Credit Societies (PACS): The primary focus of the policy, being strengthened through computerization, infrastructure development, and adoption of Model Bye-Laws to provide credit and marketing support.
PACS Computerisation Project: A centrally sponsored project aimed at digitizing PACS to improve efficiency in credit delivery and enhance farmers' access to cooperative facilities.
NABARD: The implementing agency for the eKCC digital portal, Financial Inclusion Fund support, and various refinance and storage infrastructure schemes for cooperatives.
World’s Largest Grain Storage Plan in Cooperative Sector: A major initiative being implemented to enhance rural storage capacity by identifying and upgrading PACS/Cooperative Societies.
Haryana (including Bhiwani and Mahendergarh districts): The primary state and specific districts identified as the focus area for the reported implementation of cooperative strengthening initiatives.
Ministry of Cooperation
Strengthening PACS and Dairy Cooperatives
Posted On: 17 MAR 2026 4:43PM by PIB Delhi
As per National Cooperative Database (NCD) database, the number of Primary Agricultural Credit
Societies (PACS) functioning in Bhiwani and Mahendergarh districts are 32 and 23 respectively.
PACS in the Bhiwani and Mahendergarh districts have been computerised under Primary Agriculture
Credit Societies (PACS) Computerisation Project, and the status of PACS computerisation in Bhiwani and
Mahendergarh districts of Haryana is as below:
Category Bhiwani Mahendergarh
Total PACS 32 23
PACS doing Day end on ePACS software 32 23
E PACS only 32 23
Handholding to PACS 32 23
Transactions as on date 1,81,590 1,01,325
799 multipurpose PACS in Haryana including 32 PACS of Bhiwani and 23 PACS of Mahendergarh
districts have adopted the Model Bye-Laws allowing them to provide fertilizer, storage and marketing
support.
As per information received from Haryana State, no new dairy cooperative union is proposed in South
Haryana.
Steps taken to increase farmers’ access to cooperative credit and storage facilities are as follows:
I. Strengthening and Digitalizing PACS (Primary Agricultural Credit Societies): 710 PACS
sanctioned under Centrally sponsored Project for PACS Computerisation have been digitized in
Haryana to improve their efficiency and effectiveness in credit delivery and enhancing farmers’
access to cooperative credit and storage facilities.
II. e-KCC Initiative: NABARD has developed the eKCC digital loan origination portal which is
currently under pilot implementation in six states including Haryana, where it is being used to
digitally process KCC loan applications. These pilots have shown significant reduction in
processing time and operational costs.III. Financial & Digital Literacy Camps (FDLCs): NABARD has extended grant support under
Financial Inclusion Fund (FIF) to Cooperative Banks for conduct of Financial and Digital Literacy
Camps to increase awareness among rural masses regarding various credit and other schemes.
IV. Grant support for formation of Joint Liability Groups( JLGs): During FY 2025-26, NABARD
has sanctioned grant support of Rs.76.00 Lakh to cooperative banks in Haryana for formation and
credit linkage of 1900 Joint Liability Groups (JLGs) in the state to increase the access to credit to
Small Marginal Farmers and tenant farmers.
V. Support for Storage Infrastructure Projects: NABARD has been supporting multiple initiatives
(PACS as Multi Service Center (MSC) Scheme, Agricultural Marketing Infrastructure scheme, etc.)
for development of storage infrastructure. The implementation of the “World’s Largest Grain
Storage Plan” in Cooperative Sector, is also under implementation in the state for enhancing rural
storage capacity in the state. As per information received from the State of Haryana, 45
PACS/Cooperative Societies have been identified by the State to be included in World’s largest
Grain storage Plan.
VI. Refinance to Short Term Cooperative Credit Structure: NABARD has extended Short Term
Refinance of ₹5817.00 Crore and Long-Term Refinance of ₹40.00 Crore during the FY 2024-25 to
Rural Cooperative Banks in the state of Haryana for supplementing credit flow under agriculture
and allied sectors.
VII. To increase Farmers access to marketing of their products, PACS can also link themselves with
National Cooperative Organics Limited (NCOL) and National Cooperatives Exports Limited
(NCEL).
This information was given by Union Minister for Home and Cooperation Shri Amit Shah in a written
reply in Lok Sabha.
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AK/AP
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