AI SummaryFinance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks gives Primary Agricultural Credit Societies (PACS) in Gujarat money help to go digital. The scheme helps societies link up with District Cooperative Banks through a Core Banking System (CBS), which brings better clarity and smooth rural banking services for every member.
Gujarat Agriculture, Farmers Welfare and Cooperation Department runs this scheme as part of the larger centrally sponsored project for computerization of PACS. The project runs from 2022-23 to 2026-27, so the support is still being rolled out across the state. As of 13 August 2026, the scheme is live and societies are being selected through the district and state committees.
Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks
Primary Agricultural Credit Societies are the backbone of rural credit in Gujarat. But many of them still work with paper records, which slows things down and leaves room for mistakes. This scheme fixes that by giving each selected society a one-time cash support to set up a common accounting and management information system.
Once connected to the District and State Cooperative Banks through CBS, a society can run its daily banking work online. Farmers get faster service, accounts stay clear and accurate, and remote villages get the same banking ease as cities. The software training is handled by agencies chosen by NABARD, while the state government arranges the hardware.
Key Information
| Scheme Name | Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks |
|---|---|
| Level | State |
| Scheme For | Infra |
| Beneficiary State | Gujarat |
| Category | Agriculture, Rural & Environment |
| Target Beneficiaries | Registered Societies |
| Sub Category | Financial assistance |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Agriculture, Farmers Welfare and Cooperation Department |
| Tags | Computerization, Management Information System, Digital Infrastructure |
Benefits
The government gives a solid one-time cash support so a society can modernize its systems without bearing the full cost on its own. The total estimated cost works out to ₹3,91,369 per PACS.
| Funding Source | Contribution Amount |
|---|---|
| Central Government (60%) | ₹1,85,441 |
| State Government (40%) | ₹1,23,627 |
Software and training come from agencies empaneled by NABARD, and the state government looks after buying the required hardware. Because this is a one-time benefit, there is no provision to claim it again later.
Eligibility
A society needs to meet a clear set of conditions before it can be picked for this support. The checks below make sure only prepared and well-run societies get the benefit:
- Registered society: The applicant must be a registered Primary Agricultural Credit Co-operative Society, including PACS, LAMP, and FSS.
- Completed audit: The statutory audit should be done up to the last financial year.
- Own premises: The society must have its own or leased premises to run its operations.
- Salaried Secretary: A full-time salaried Secretary should be on the payroll.
- Network facility: A working telecom or data network connection is required.
- Computer-literate staff: The team must have people who can handle the new digital system.
On top of these, the society has to be chosen by the District Level Implementation and Monitoring Committee (DLIMC) and then get final approval from the State Level Implementation and Monitoring Committee (SLIMC).
Application Process
Individual societies do not apply directly on any portal. The selection happens through a multi-level committee process, and the steps below explain how a society gets picked:
STEP 1 - District Level Implementation and Monitoring Committee (DLIMC) reviews all eligible societies and shortlists those that meet the conditions.
STEP 2 - Each district sends its selected list to the State Level Implementation and Monitoring Committee (SLIMC) for consolidation.
STEP 3 - SLIMC forwards the approved list to the Project Monitoring Unit (PMU) of NABARD through the Gujarat State Co-operative Bank Ltd.
STEP 4 - Once the National Level Implementation and Monitoring Committee (NLIMC) gives the final green signal, the selected society receives its support equipment.
Documents
Societies should keep the following papers ready during the selection and verification process:
- Copy of the completed statutory audit report for the last financial year.
- Verified proof of ownership or a valid lease for the premises.
- Employment records showing a salaried Secretary on the payroll.
- Documents confirming an active telecom or data network facility.
- Proof that the staff is computer-literate.
- Formal approval or selection records from both DLIMC and SLIMC levels.
- Any extra documents asked for by the committee during verification.
References
PIB Update on PACS Computerization Project Integration
Computerization of PACS - Ministry of Cooperation
FAQ's
What is the main objective of the scheme?
The goal is to computerize and integrate PACS with the Core Banking System of District Cooperative Banks to improve accuracy, clarity, and efficiency in rural banking services.
Who is eligible to apply for the scheme?
Eligible applicants include Primary Agricultural Credit Co-operative Societies (PACS), LAMPs, and FSS that meet all the audit, infrastructure, and staffing requirements.
What is the total financial assistance provided under this scheme?
The total project cost is ₹3,91,369 per society, with the Central government covering ₹1,85,441 and the State government providing ₹1,23,627.
Who is responsible for providing software training under this scheme?
Professional agencies empaneled by NABARD on behalf of the central government conduct the required software training.
Who is responsible for procuring the hardware under the scheme?
The state government takes full responsibility for procuring the required hardware for the society.
How are PACS selected for inclusion in the scheme?
Selection happens through a multi-tier process involving the District Committee (DLIMC), the State Committee (SLIMC), and finally the National Committee (NLIMC).
Can a PACS without computer literate staff be eligible for this scheme?
No, having trained, computer-literate staff is a required condition to operate the new digital system well.
Is it necessary for a PACS to have a data network facility to be eligible?
Yes, an active telecom or data network is required to support the integration with the Core Banking System.
What is the role of the State Level Implementation and Monitoring Committee (SLIMC)?
SLIMC reviews the district recommendations and approves the final list before it goes to NABARD for processing.
Who should be contacted in case of doubts or issues with the application process?
For any questions, the society should contact its local District Cooperative Officer or the Project Monitoring Unit (PMU) of NABARD.