Lok Sabha Question No. 353 (UNSTARRED), answered on 2025-12-02
Subject: Primary Agriculture Cooperative Credit Societies (PACS)
Ministry: COOPERATION
Asked by: Shri Anurag Sharma

## GOVERNMENT OF INDIA MINISTRY OF COOPERATION

## LOK SABHA UNSTARRED QUESTION No. 353 TO BE ANSWERED ON 02 nd  DECEMBER 2025

Primary Agriculture Cooperative Credit Societies (PACS)

## 353. Shri Anurag Sharma:

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

- (a) the present status of Primary Agricultural Credit Societies (PACS) functioning in Jhansi district of Uttar Pradesh and their role in promoting dairy and fishery cooperatives;
- (b) the  steps  taken  by  the  Government  to  strengthen  PACS  through  modernization, computerization and diversification into allied activities such as dairy, fishery and other income generating ventures;
- (c)  whether  any  specific  schemes  or  financial  assistance  have  been  extended  to  PACS  or cooperative societies in Jhansi to enhance farmers' income and rural employment opportunities and if so, the details thereof; and
- (d) the details of the benefits that have accrued to farmers and members of these societies, including the number of beneficiaries, increase in production, and improvement in credit access or livelihood outcomes as a result of these initiatives?

## ANSWER

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

- (a)  and  (b):  As  per  National  Cooperative  Database  (NCD),  67  Primary  Agricultural  Credit Societies  (PACS) are  functioning  in  Jhansi  district  of  Uttar  Pradesh.  PACS  are  supporting range  of  rural  economic  activities,  including  dairy  and  fishery  development.  A  series  of national-level reforms has been introduced to strengthen PACS, focusing on modernisation, computerisation and functional diversification. The centrally-sponsored PACS Computerization Project ,  with  an  enhanced financial outlay of ₹2,925.39 crore, is bringing more than 79,000 PACS onto an ERP-based common national software to ensure transparent accounting, improved service delivery, and seamless connectivity with DCCBs, StCBs and NABARD. Model Bye-laws enable PACS undertake over 25 multipurpose business activities, such  as  dairy  collection  centres,  fishery  support  services,  warehousing,  fertilizer  and  seed distribution, CSC operations, PMKSK functions, LPG distributorships and procurement. The wider initiative to set up new multipurpose, dairy and fishery cooperatives at the Panchayat level further strengthens opportunities for PACS in Jhansi to participate in the promotion of organized milk procurement, value-addition services and support for fishery-based livelihoods. Under the PACS Computerization Project, 62 PACS are sanctioned in Jhansi, of which 48 have been onboarded onto the ERP platform, and all 48 have also achieved the Go-Live stage.

(c) and (d): PACS and cooperative societies in Jhansi are covered under the centrally sponsored schemes  and  financial  support  mechanisms  implemented  across  Uttar  Pradesh.  Under  the PACS Computerization Project, Uttar Pradesh has received ₹ 67.10 crore in financial assistance across FY 2022 -23, 2023 -24, 2024 -25 and 2025 -26, a portion of which directly benefits the PACS  operating  in  Jhansi  district.  These  funds  support  hardware  procurement,  ERP deployment, training and the establishment of support systems at the society level.

Several schemes and financial interventions are being implemented in Jhansi district to strengthen PACS, enhance farmers' income and create rural employment opportunities. A total of 55 societies have taken membership in Indian Seed Cooperative Ltd., and four PACS have submitted proposals for setting up seed production units, which will improve their financial strength and generate employment.

Five  societies  have  taken  membership  in  the  National  Cooperative  Development Corporation (NCDC), and four societies have joined the National Cooperative Organics Ltd. (NCOL),  opening  avenues  for  organic  agricultural activities and  improving  financial sustainability. Membership drives conducted in 2023 and 2025 enabled farmers who were not previously  associated  with  PACS  to  join  as  members;  as  a  result,  1,74,427  farmers  have become PACS members and have received loans amounting to ₹13,830.06 lakh. Additional ly, all PACS in the district are providing CSC services, thereby boosting institutional earnings and improving farmers' access to online services.

Eight PACS from Jhansi have applied to establish PM Veterinary Centres, which will provide  essential  livestock  healthcare  services  and  simultaneously  enhance  the  financial condition of the societies while generating employment. Members are also regularly provided high-quality seeds and fertilizers -including urea,  DAP  and  NPK -through PACS, contributing  to  increased  agricultural  production.  Moreover,  PACS  facilitate  timely  Kisan Credit Card (KCC) loans, enabling farmers to access affordable credit for crop cultivation, livestock management and other agricultural needs.

Thirteen  PACS  in  the  district  have  signed  MoUs  with  thirteen  Farmer  Producer Organizations (FPOs), strengthening cooperative linkages and improving financial outcomes.

Farmers  and  members  of  PACS  in  Jhansi  district  are  receiving  significant  benefits under  the  ongoing  initiatives.  In  2024 -25,  a  total  of  18,226  farmers  received  crop  loans amounting  to  ₹13,819.57  lakh,  helping  them  improve  cropping  capacity  and  overall production. Similarly, from April to October 2025, 13,628 farmers received loans amounting to ₹12,482.94 lakh, further strengthening their financial ability to invest in agriculture. Under the PMKSK scheme and fertilizer subsidy programmes, timely supply of fertilizers has led to increased agricultural productivity: in 2024 -25, 94,520 farmers received 17,016.40 MT of urea and 91,850 farmers received 16,074.10 MT of DAP; in 2025 -26,  79,545  farmers  received 12,530 MT of urea, 1,25,387 farmers received 20,062 MT of DAP, and 1,840 MT of NPK was also distributed. These timely supplies have contributed directly to higher yields and greater income for farmers.  Financial  inclusion  has  also  been  strengthened,  with  2,23,212  farmers holding bank accounts in the District Cooperative Bank and benefiting from various banking services,  thereby  improving  their  credit  access,  savings  behaviour  and  overall  livelihood outcomes.

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