Lok Sabha Question No. 4066 (UNSTARRED), answered on 2026-03-17
Subject: Implementation of PACS Computerisation Project
Ministry: COOPERATION
Asked by: Dr. Shashi Tharoor

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION NO. 4066 TO BE ANSWERED ON 17 th  MARCH, 2026

## Implementation of PACS Computerisation Project

## 4066. Dr. Shashi Tharoor:

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

(a) whether the Government has reviewed the implementation of Project for Computerization of functional Primary Agricultural Credit Societies (PACS), with a total outlay of 2,516 crore and a sunset date of 31 March 2027, including the sanctioning of 67,930 PACS and release of 865.81 crore to States and NABARD; if so, the details thereof;

(b)  whether  the  Government  has  taken  a  note  that  incomplete  adoption  of  twoway  'Pull Application  Programming  Interface'  (API)  with  the  National  Cooperative  Database  and continued  manual  transactions  outside  the  Enterprise  Resource  Planning  (ERP)  system  are causing data lags and monitoring gaps, if so, the manner the Government justify this; and

(c) whether the Government has examined concerns raised by the States such as Kerala that Primary Agricultural Credit Societies are operating with a low credit-to-deposit ratio of around 65: 35, leading to accumulation of idle funds and under-utilisation of available credit capacity, if so, the details thereof?

## ANSWER

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

(a) Yes Sir, A structured monitoring framework has been established for effective review of progress of this project in States/UTs, which comprises of 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. State-wise details are at Annexure 'A'.

Further, State Review meetings are conducted for thorough review of the projects/schemes continuing in Ministry of Cooperation under the Chairmanship of Secretary (Cooperation).

Furthermore, Senior Officers of the Ministry of Cooperation also make regular visits to participating  States/UTs  to  review  several  initiatives  of  Ministry  of  Cooperation  which included review of PACS Computerisation Project.

(b) The  National  Cooperative  Database  (NCD)  has  been  developed  by  the  Ministry  of Cooperation, Government of India, with the support of States/UTs. The data of cooperative societies is collected, entered, and updated in the National Cooperative Database (NCD) by nodal officers appointed by the States/UTs for this purpose. Further, to ensure automatic data updates,  synchronization,  and  efficient  information  management,  the  NCD  portal  is  being integrated with the portals of the Registrars of Cooperative Societies (RCSs) of all States/UTs through APIs. As of 01.03.2026, the States of Rajasthan, Chhattisgarh, Bihar, Mizoram, and the UT of Dadra and Nagar Haveli and Daman and Diu have completed integration with the NCD portal.

States/UTs regularly review and encourage PACS to move to ePACS software and complete their work on ePACS software. As on 10.03.2026, 44,794 PACS are working as ePACS. The number  of  ePACS  are  regularly  getting  increased  in  the  last  6  months.  In  such  PACS, transactions are recorded electronically by the ERP system, as per the orders of the respective States/UTs.  The  enforcement  of  such  orders  primarily  lies  with  the  State  Governments concerned.

(c) NABARD  has  not  received  any  concerns  from  the  State  Government  of  Kerala regarding the Credit-to-Deposit (CD) ratio of Primary Agricultural Credit Societies (PACS) in Kerala.

PACS are regulated under the respective State laws and rules. As per data furnished by the Registrar of Cooperative Societies (RCS), Government of Kerala, the PACS in Kerala had a  total  deposit  base  of  ₹1.31  lakh  crore  and  loan  outstanding  of  ₹1.03  lakh  cr ore  as  on 31.03.2024, reflecting a CD ratio of 78.6%. This ratio is higher than the average CD ratio of all banks in Kerala, which stood at 73% as on the same date.

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## Annexure'A'

## PACS Computerisation project Status as on 10 th  March 2026

| S. No   | States            | Approved PACS   | ERP Onboarded   | e-PACS achievement   |   Total Fund Released by GoI (INR Crore) |
|---------|-------------------|-----------------|-----------------|----------------------|------------------------------------------|
| 1.      | ANI               | 46              | 46              | 0                    |                                     0.69 |
| 2.      | Andhra Pradesh    | 2,037           | 2,021           | 2,017                |                                    37.41 |
| 3.      | Arunachal Pradesh | 139             | 14              | 14                   |                                     1.22 |
| 4.      | Assam             | 850             | 580             | 535                  |                                    17.02 |
| 5.      | Bihar             | 4,495           | 4,481           | 4,465                |                                    51.76 |
| 6.      | Chhattisgarh      | 2,028           | 2,028           | 1,773                |                                    28.35 |
| 7.      | DNH&DD            | 9               | 4               | 4                    |                                     0.12 |
| 8.      | Goa               | 86              | 53              | 35                   |                                     1.19 |
| 9.      | Gujarat           | 6,216           | 5,750           | 5,356                |                                    93.97 |
| 10.     | Haryana           | 710             | 695             | 632                  |                                     8.79 |
| 11.     | Himachal Pradesh  | 1,885           | 1,472           | 997                  |                                    28.25 |
| 12.     | J&K               | 708             | 537             | 537                  |                                    10.37 |
| 13.     | Jharkhand         | 2,797           | 1,493           | 1,358                |                                    34.3  |
| 14.     | Karnataka         | 5,894           | 4,555           | 3,224                |                                    67.83 |
| 15.     | Ladakh            | 10              | 10              | 10                   |                                     0.16 |
| 16.     | Madhya Pradesh    | 5,455           | 4,536           | 4,507                |                                    66.43 |
| 17.     | Maharashtra       | 12,178          | 12,036          | 11,355               |                                   130.73 |
| 18.     | Manipur           | 308             | 205             | 79                   |                                     3.14 |
| 19.     | Meghalaya         | 330             | 23              | 18                   |                                     2.34 |
| 20.     | Mizoram           | 99              | 25              | 24                   |                                     1.27 |
| 21.     | Nagaland          | 231             | 114             | 12                   |                                     4.43 |
| 22.     | Odisha            | 4,240           | 0               | 0                    |                                    18.07 |
| 23.     | Puducherry        | 45              | 44              | 31                   |                                     0.67 |
| 24.     | Punjab            | 3,482           | 2,682           | 1,305                |                                    32.94 |
| 25.     | Rajasthan         | 8,525           | 6,445           | 3,702                |                                    84.83 |
| 26.     | Sikkim            | 131             | 107             | 107                  |                                     3.28 |
| 27.     | Tamil Nadu        | 4,561           | 4,513           | 0                    |                                    51.73 |
| 28.     | Tripura           | 475             | 268             | 264                  |                                     8.21 |
| 29.     | Uttar Pradesh     | 6,257           | 3,076           | 1,273                |                                    67.1  |
| 30.     | Uttarakhand       | 1,216           | 669             | 590                  |                                     5.69 |
| 31.     | West Bengal       | 4,187           | 3,384           | 570                  |                                    45.79 |
|         | Total             | 79,630          | 61,866          | 44,794               |                                   908.1  |
|         | NABARD            | -               | -               | -                    |                                   165.92 |
|         | Total             | -               | -               | -                    |                                  1074.02 |