About Primary Agricultural Credit Societies (PACS)

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The Cooperation Ministry recently said that the Primary Agricultural Credit Societies (PACS) can also be employed as drone entrepreneurs for spraying fertilisers and pesticides.

About Primary Agricultural Credit Societies (PACS):

  • These are village-level cooperative credit societies that serve as the last link in a three-tier cooperative credit structure.
  • These are headed by the State Cooperative Banks (SCB) at the state level.
  • Credit from the SCBs is transferred to the district central cooperative banks, or DCCBs, that operate at the district level.
  • These DCCBs work with PACS, which deals directly with farmers.
  • Individual farmers are members of the PACS, and office-bearers are elected from within them. A village can have multiple PACS.
  • The main function of the PACS is to provide short and medium-term purpose loans to its members.
  • Other functions include:
    • Supplying of agricultural inputs including seeds, fertilizers, insecticides, etc.
    • Maintaining the supply of the light machinery for the agricultural purpose.
    • Providing marketing facilities that could enhance the sale of their agricultural products.
    • Promote savings habits among its members.


Q1) What are cooperative societies?

Co-operative societies are profit-oriented entities which aim to obtain marketability for the products produced by agricultural and other labour-intensive businesses. These societies work on the principle of self-help as well as mutual help. The primary goal is to provide support to the members.

Source: Govt to utilise PACS as ‘drone entrepreneurs’ for spraying fertilizers