Lok Sabha Question No. 2772 (UNSTARRED), answered on 2025-03-18
Subject: Uniform Software for Primary Agricultural Credit Societies
Ministry: COOPERATION
Asked by: Shri Bhartruhari Mahtab, Shri Khagen Murmu, Shri Chhatrapal Singh Gangwar, Dr. Manna Lal Rawat, Shri Ganesh Singh, Shri Yogender Chandolia, Dr. Nishikant Dubey, Shri Damodar Agrawal, Shri P P Chaudhary, Dr. K Sudhakar, Shri Dineshbhai Makwana, Shri Kota Srinivasa Poojary

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 2772 TO BE ANSWERED ON  18 th   MARCH, 2025

## Uniform Software for Primary Agricultural Credit Societies

## 2772. Shri P P Chaudhary:

Shri Damodar Agrawal:

Shri Ganesh Singh:

Shri Yogender Chandolia:

Shri Bhartruhari Mahtab:

Shri Dineshbhai Makwana:

Shri Kota Srinivasa Poojary:

Shri Chhatrapal Singh Gangwar:

Dr. Manna Lal Rawat:

Dr. K Sudhakar:

Shri Khagen Murmu:

Dr. Nishikant Dubey:

Will the Minister of Cooperation ( सहकारिता मंत्री ) be pleased to state:

- (a) the steps being taken to ensure universal adoption of the uniform software;
- (b)  how  will  the  Government  ensure  that  small  and  marginal  farmers  benefit  equally  from digitalisation, especially those who may not be digitally literate;
- (c) whether there are any plans to integrate PACS Enterprise Resource Planning with other national financial platforms such as PM-KISAN, eNAM, or Kisan Credit Card loan portals for a more streamlined agricultural credit system; and
- (d) if so, the details thereof?

## THE MINISTER OF COOPERATION सहकारिता मंत्री (SHRI AMIT SHAH)

(a) to (d) Government of India is implementing the Project for Computerization of functional PACS with a total financial outlay of ₹2,516 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 noncredit. This software is customizable for state-specific needs.

## ANSWER

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.

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