PACS Computerization Project

The Government of India, through the Ministry of Cooperation (MoC) and in coordination with NABARD, is implementing a national project to computerize all functional Primary Agricultural Credit Societies (PACS) using an ERP-based common software platform.

Key Highlights:

• Revised Financial Outlay:
  • Initially: ₹2,516 crore
  • Revised: ₹2,925.39 crore
• Objective:
  • To bring all functional PACS under a uniform ERP (Enterprise Resource Planning) software, enabling seamless data capture and integration of credit and non-credit activities.
• Linkage Structure:
  • PACS to be linked with District Central Cooperative Banks (DCCBs)
  • DCCBs to be linked with State Cooperative Banks (StCBs)
  • All tiers coordinated via NABARD

ERP System Capabilities

• Integrated Functional Modules:
  • Credit (short, medium, long-term loans), deposits, and accounting
  • Non-credit services: PDS, procurement, warehousing, processing units
  • Administrative functions: membership, HRM, MIS, CAS
  • Support for Kisan Credit Card (KCC), RuPay integration, and digital payments
• Benefits:
  • Faster loan processing
  • Reduced transaction costs
  • Transparent operations and governance
  • Improved linkage with DCCBs and StCBs
  • Empowerment of digitally less-literate small and marginal farmers through training and handholding

Integration with Other Government Schemes

PACS are being developed as multi-service delivery hubs with integration into:

• Pradhan Mantri Kisan Samriddhi Kendras (PMKSK)
• Common Service Centres (CSCs)
• Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK)
• Fertiliser & seed distribution
• Public Distribution System (PDS)
• LPG/Fuel dealerships, Custom Hiring Centres
• Kisan Rin Portal and other national agri-credit platforms

PIB