FACIPCD
Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks
6.2/10The scheme provides financial assistance to Primary Agricultural Credit Societies (PACS) for computerization and integration with District Cooperative Banks (DCCBs) through a Core Banking System (CBS), enhancing rural banking infrastructure and digital access.
States / UT: Gujarat
Nodal department: Agriculture, Farmers Welfare and Cooperation Department
Scheme for: Infra
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment
Sub-categories: Financial assistance
Target beneficiaries: Registered Societies
Tags: Computerization, Management Information System, Digital Infrastructure
Details
The scheme "Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks" introduced by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat, aims to bring transparency, accuracy, and consistency in PACS accounts using a common accounting and management information system. By enabling PACS to be digitally connected with District and State Cooperative Banks through CBS, this scheme also boosts rural financial inclusion and ensures seamless banking facilities in remote areas.
Benefits
- Standard of Assistance Remarks Minimum Time Limit (in Year) for Reclaiming Benefits) the cost is estimated at ₹3 91 369/- per PACS out of which the Central Government& 39;s contribution is 60% at ₹1 85 441/- and State Government& 39;s contribution as per 40% per PACS ₹1 23 627/- will be incurred.The agency empaneled by NABARD on behalf of the Government of India for the performance of software training while the procurement of hardware is to be done by the state government.There is no provision regarding re-benefit
Standard of AssistanceRemarks**Minimum Time Limit (in Year) for Reclaiming Benefits)**the cost is estimated at ₹ 3,91,369/- per PACS, out of which the Central Government's contribution is 60% at ₹1,85,441/- and State Government's contribution as per 40% per PACS ₹1,23,627/- will be incurred.The agency empaneled by NABARD on behalf of the Government of India for the performance of software training while the procurement of hardware is to be done by the state government.There is no provision regarding re-benefit.
Eligibility
- The benefit of this scheme will be available only to Primary Agricultural Credit Co-operative Societies (Including PACS, LAMP, and FSS).
- The statutory audit of the Primary Agricultural Credit Co-operative Societies (PACS) up to the last financial year should have been completed.
- The Primary Agricultural Credit Co-operative Societies (PACS) benefiting from this scheme should have their own or leased premises.
- The Secretary of the Primary Agricultural Credit Cooperative Societies (PACS) should be a salaried employee.
- Primary Agricultural Credit Cooperative Societies (PACS) benefiting from this scheme should have telecom data network facility.
- There should be computer literate staff at Primary Agricultural Credit Cooperative Societies (PACS) for smooth implementation of the scheme.
- PACS should be selected in the District Level Implementation and Monitoring Committee (DLIMC) at the district level.
- The PACS selected in the State Level Implementation and Monitoring Committee (SLIMC) of the State level in the District Level Implementation and Monitoring Committee (DLIMC) should have been approved in the SLIMC.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility5.0
- Financial impact9.0
- Rural utility6.0
- Awareness4.0
- Simplicity5.0
- Inclusivity5.0
What problem does this scheme solve?
The scheme aims to enhance rural banking infrastructure through digital integration, benefiting Primary Agricultural Credit Societies.
Key challenges addressed
- Lack of transparency in PACS accounts
- Limited access to banking facilities in rural areas
Most beneficial for
- Primary Agricultural Credit Societies
- Farmers in rural areas
Likely challenges
- Requirement for computer-literate staff
- Need for telecom data network facilities
Practical insights for citizens
Implementation may vary based on local infrastructure and training availability.
Rural challenges
- Limited access to technology
- Need for training in digital tools
Digital challenges
- Dependence on stable internet connectivity
- Need for digital literacy
Implementation bottlenecks
- Selection process complexity
- Approval delays
Awareness challenges
- Low awareness among PACS about the scheme
Application analysis
- Application mode
- Online
- Verification complexity
- Moderate
- Office dependency
- High
- CSC support
- Limited
- Estimated citizen effort
- Moderate
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time assistance
- Benefit practicality
- High, if eligibility criteria are met
- Financial meaningfulness
- Moderate, as it supports infrastructure development
- Long-term impact
- Potentially significant for rural financial inclusion
Plain-language guidance
This scheme helps Primary Agricultural Credit Societies get financial support for digital banking integration. It aims to improve banking services in rural areas.
- Who should apply
- Primary Agricultural Credit Societies that meet the eligibility criteria.
- Who may struggle
- Societies lacking computer-literate staff or telecom facilities.
- Best application route
- Apply through the District Level Implementation and Monitoring Committee.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Online
Step 1: Selection of eligible PACS is done by the District Level Implementation and Monitoring Committee (DLIMC).
Step 2: The consolidated selection list from all districts is sent to the State Level Implementation and Monitoring Committee (SLIMC).
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: After approval by NLIMC at the central level, support equipment is provided to the selected PACS.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the main objective of the scheme?
The main objective of the scheme is to computerize and integrate Primary Agricultural Credit Societies (PACS) with the Core Banking System (CBS) of District Cooperative Banks in order to improve accuracy, transparency, and efficiency in rural banking.
- Who is eligible to apply for the scheme?
Only Primary Agricultural Credit Co-operative Societies (PACS), including LAMPs and FSS, that meet all the specified eligibility criteria are allowed to apply for the scheme.
- What is the total financial assistance provided under this scheme?
The total cost estimated per PACS is ₹3,91,369/-, out of which ₹1,85,441/- (60%) is contributed by the Central Government and ₹1,23,627/-(40%) by the State Government.
- Who is responsible for providing software training under this scheme?
Software training is provided by agencies that are empaneled by NABARD on behalf of the Government of India.
- Who is responsible for procuring the hardware under the scheme?
The procurement of hardware under the scheme is managed by the State Government.
- How are PACS selected for inclusion in the scheme?
PACS are first selected by the District Level Implementation and Monitoring Committee (DLIMC) and then approved by the State Level Implementation and Monitoring Committee (SLIMC), before receiving final approval from the National Level Implementation and Monitoring Committee (NLIMC).
- Can a PACS without computer-literate staff is eligible for this scheme?
No, having computer-literate staff is mandatory for eligibility under this scheme.
- Is it necessary for a PACS to have a data network facility to be eligible?
Yes, having telecom or data network facilities is a required eligibility criterion.
- What is the role of the State Level Implementation and Monitoring Committee (SLIMC)?
SLIMC is responsible for reviewing and approving the list of PACS selected by DLIMC and forwarding the final approved list to NABARD.
- Who should be contacted in case of doubts or issues with the application process?
Applicants may contact their District Cooperative Officer or the Project Monitoring Unit (PMU) of NABARD for assistance and clarification regarding the application process.
Official links
References
- Guidelines
- https://agri.gujarat.gov.in/Home/SchemesDetailsPage?Id=wiB0mG2hjcblY52frAvd0g==&domain=v4lc2tu73R/9lWYKO76SRg==
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks is a government welfare initiative designed to support Infra, Registered Societies through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Eligibility for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Benefits under Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks is managed by Agriculture, Farmers Welfare and Cooperation Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Yes, eligible applicants may be able to apply online for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Applications for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks.
- Is Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks available in all states?
- No, Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
- Can residents outside Gujarat apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Eligibility for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Eligible small and marginal farmers may apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks provide subsidy support for farmers?
- Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Can CSC centres help users apply for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks in Gujarat?
- Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with Finance Assistant to PACS for Computerization and Integration of PACS through Core Banking System with District Cooperative Banks applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.