## Policy Summary: Computerization of Primary Agricultural Credit Societies (PACS)
The Government of India, through the Ministry of Cooperation (MoC), is implementing a project to computerize functional Primary Agricultural Credit Societies (PACS) across the country. The total financial outlay for this project is ₹2925.39 Crore. The project aims to bring all functional PACS onto a common, Enterprise Resource Planning (ERP)-based national software, linking them with NABARD through State Cooperative Banks (StCBs) and District Central Cooperative Banks (DCCBs).
The common ERP software will capture data on all PACS functionalities, both credit and non-credit, and is customizable for state-specific needs. The MoC has adopted a multilayered approach for effective implementation, including regular monthly review meetings with States/UTs, engagement with key stakeholders like NABARD, and a structured monitoring framework. This framework comprises the National Level Monitoring and Implementation Committee (NLMIC), State and District Level Implementation and Monitoring Committees (SLIMC and DLIMC), the State Cooperative Development Committee (SCDC), and the District Cooperative Development Committee (DCDC).
The ERP system enhances the efficiency of PACS operations through a Common Accounting System (CAS) and Management Information System (MIS), strengthens governance and transparency, and facilitates faster loan disbursal, reduced transaction costs, and seamless accounting with DCCBs and StCBs. NABARD provides training and handholding support to ensure that small and marginal farmers benefit from digitalization.
The comprehensive ERP solution integrates multiple functionalities, including membership management, financial services (deposits and lending), procurement, processing units, Public Distribution System (PDS), business planning, warehousing, merchandising, borrowings, asset management, and human resource management. It also includes provisions for integrating RuPay and Kisan Credit Card (KCC) databases.
PACS are being developed as hubs for delivering benefits from schemes such as Pradhan Mantri Kisan Samriddhi Kendras (PMKSK), Common Service Centres (CSCs), and Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK). The government is integrating the PACS ERP system with other national platforms, including Kisan Rin Portal, to streamline agricultural credit and service delivery.
As of July 29, 2025, training and handholding have been sanctioned to 73,492 PACS, with training completed for 44,322 and handholding for 27,836. Odisha has recently joined the Project.
Key Entities Referenced
Primary Agricultural Credit Societies: A type of cooperative society that provides agricultural credit to farmers.
Ministry of Cooperation: The Indian government ministry responsible for cooperatives.
NABARD: National Bank for Agriculture and Rural Development, an apex development finance institution in India.
State Cooperative Banks StCBs: State-level cooperative banks in India that act as a link between NABARD and District Central Cooperative Banks.
District Central Cooperative Banks DCCBs: District-level cooperative banks in India.
Enterprise Resource Planning ERP: A common national software being implemented for PACS to capture data on all functionalities of PACS
Pradhan Mantri Kisan Samriddhi Kendras PMKSK: A scheme to develop PACS as hubs for delivering benefits.
Odisha: A state in India that has recently joined the PACS computerization project.
Ministry of Cooperation
Uniform Software for Primary Agricultural Credit
Societies
Posted On: 29 JUL 2025 4:47PM by PIB Delhi
Government of India is implementing this Project of Computerization of functional PACS with a total
financial outlay of ₹2,516 Crore which has now been increased upto 2925.39 Crore which entails bringing all
the functional PACS onto an ERP (Enterprise Resource Planning) based common national software, linking
them with NABARD through State Cooperative Banks (StCBs) and District Central Cooperative Banks
(DCCBs). This common ERP software is provided to all the PACS in the project, across the country, to
capture data on all functionalities of PACS, both credit and non-credit. This software is customizable for
state-specific needs. Ministry of Cooperation (MoC) has adopted a multi-layered approach to ensure effective
implementation at the grassroots level. Regular monthly review meetings are conducted with States/UTs to
assess progress, particularly in the PACS computerization Project. Key stakeholders like States/UTs,
including NABARD have been engaged to review the implementation of this project. Additionally, a
structured monitoring framework has been established, comprising the National Level Monitoring and
Implementation Committee (NLMIC), State and District Level Implementation and Monitoring Committees
(SLIMC and DLIMC), State Cooperative Development Committee (SCDC) (under the Chief Secretary), and
District Cooperative Development Committee (DCDC) (under the District Collector). These bodies ensure
effective implementation, oversight, and coordination of all cooperative sector initiatives, including PACS
computerization.
The ERP-based common national software enhances the efficiency of PACS operations through a Common
Accounting System (CAS) and Management Information System (MIS). Additionally, it strengthens
governance and transparency, resulting in faster loan disbursal, reduced transaction costs, minimized payment
imbalances, and seamless accounting with DCCBs and StCBs. Furthermore, training and necessary
handholding support provided by NABARD ensures that small and marginal farmers, including those who
may not be digitally literate, benefit equally from digitalization. A comprehensive ERP solution integrates
multiple functionalities, including membership management, financial services such as deposits and lending
(short-term, medium-term, and long-term), procurement, processing units, Public Distribution System (PDS),
business planning, warehousing, merchandising, borrowings, asset management, and human resource
management. Additionally, it has provision to incorporate RuPay and Kisan Credit Card (KCC)/ database
integrations to facilitate seamless financial transactions for PACS members. The details of training imparted
in the project are at Annexure ‘A’.
PACS are developed as hubs for delivering benefits from schemes such as Pradhan Mantri Kisan Samriddhi
Kendras (PMKSK), Common Service Centres (CSCs), Pradhan Mantri Bhartiya Janaushadhi Kendras
(PMBJK), interest subvention, fertiliser and seed distribution, Public Distribution System(PDS) outlets,
LPG/Petrol/Diesel dealerships, Custom Hiring, etc.. The Government has initiated steps to integrate the
PACS ERP system with other national platforms to streamline agricultural credit and service delivery. These
include integration with Pradhan Mantri Kisan Samriddhi Kendras (PMKSK), Common Service Centres
(CSCs), Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK), Kisan Rin Portal etc.
Annexure ‘A’
PACS Training and Handholding Details
Sum of
T o t a l
Training Handholding
Sanction
to PACS to PACSS. No State PACS
Anda
m a n
a n d
1 46 46 46
Nico
bar
A n d h r a
2 2037 592 1469
Pradesh
Arunachal
3 14 11 11
Pradesh
4 Assam 583 539 572
5 Bihar 4495 1698 1336
6 Chhattisgarh 2028 2028 2025
Daman and
7 4 0 4
Diu
8 Goa 58 41 14
9 Gujarat 5754 5618 1440
10 Haryana 710 600 585
H i m a c h a l
11 1789 831 617
Pradesh
Jammu and
12 537 533 465
Kashmir
13 Jharkhand 2797 1368 168
14 Karnataka 5682 3702 24
15 Ladakh 10 7 0
M a d h y a
16 5188 3900 4488
Pradesh
17 Maharashtra 12000 6858 8520
18 Manipur 232 169 0
19 Meghalaya 112 99 46
20 Mizoram 49 25 23
21 Nagaland 231 30 9
22 Odisha 2711 0 0
23 Pondicherry 45 43 33
24 Punjab 3482 948 861
25 Rajasthan 7468 5583 1847
26 Sikkim 107 104 29
27 Tamil Nadu 4532 4531 3001
28 Tripura 268 207 159
29 Uttar Pradesh 5686 1098 0
30 Uttarakhand 670 0 0
31 West Bengal 4167 3113 44
Grand Total 73492 44322 27836
* Odisha has recently joined the ProjectThis was stated by the Minister of Cooperation, Shri Amit Shah in a written reply to a question in the Lok
Sabha.
****
VV/RR/PR/PS/HS
(Release ID: 2149761)