Lok Sabha Question No. 1397 (UNSTARRED), answered on 2025-07-29
Subject: Uniform Software for Primary Agricultural Credit Societies
Ministry: COOPERATION
Asked by: Shri Dushyant Singh

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 1397 TO BE ANSWERED ON 29 th  July, 2025

## Uniform Software for Primary Agricultural Credit Societies

## 1397. Shri Dushyant Singh:

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) whether the Government will ensure that small and marginal farmers benefit equally from digitalisation, especially those who may not be digitally literate, if so, the details thereof;
- (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?

## ANSWER

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

- (a) 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.

(b) 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'.

(c) to (d):  Yes, 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.

| PACS Training and Handholding Details   | PACS Training and Handholding Details   | PACS Training and Handholding Details   | PACS Training and Handholding Details   | PACS Training and Handholding Details   |
|-----------------------------------------|-----------------------------------------|-----------------------------------------|-----------------------------------------|-----------------------------------------|
| S. No                                   | State                                   | Sum of Total Sanction PACS              | Training to PACS                        | Handholding to PACS                     |
| 1                                       | Andaman and Nicobar                     | 46                                      | 46                                      | 46                                      |
| 2                                       | Andhra Pradesh                          | 2037                                    | 592                                     | 1469                                    |
| 3                                       | Arunachal Pradesh                       | 14                                      | 11                                      | 11                                      |
| 4                                       | Assam                                   | 583                                     | 539                                     | 572                                     |
| 5                                       | Bihar                                   | 4495                                    | 1698                                    | 1336                                    |
| 6                                       | Chhattisgarh                            | 2028                                    | 2028                                    | 2025                                    |
| 7                                       | Daman and Diu                           | 4                                       | 0                                       | 4                                       |
| 8                                       | Goa                                     | 58                                      | 41                                      | 14                                      |
| 9                                       | Gujarat                                 | 5754                                    | 5618                                    | 1440                                    |
| 10                                      | Haryana                                 | 710                                     | 600                                     | 585                                     |
| 11                                      | Himachal Pradesh                        | 1789                                    | 831                                     | 617                                     |
| 12                                      | Jammu and Kashmir                       | 537                                     | 533                                     | 465                                     |
| 13                                      | Jharkhand                               | 2797                                    | 1368                                    | 168                                     |
| 14                                      | Karnataka                               | 5682                                    | 3702                                    | 24                                      |
| 15                                      | Ladakh                                  | 10                                      | 7                                       | 0                                       |
| 16                                      | Madhya Pradesh                          | 5188                                    | 3900                                    | 4488                                    |
| 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                             | Grand Total                             | 73492                                   | 44322                                   | 27836                                   |