Services Provided by Primary Agricultural Co-operative Credit Societies - A Conceptual Analysis

Author(s)	Mrs Mohana R, Dr. K. Karunaharan
Country	India
Abstract	Cooperative banks generally provide their members with a wide range of banking and financial services. Co- operative banks differ from stockholder banks by their organization, their goals, their values and their governance. Depending on countries, this control and supervision can be implemented directly by state entities or delegated to a cooperative federation or central body. Co-operative banking is retail and commercial banking is organized on a co-operative basis. Co-operative banking institutions take deposits and lend money in most parts of the world. Co-operative credit structure in India consists of two parts of which one is engaged in short term, medium term and other in long term credit. They mainly relay upon deposits from members and nonmembers and in case of need, they get finance from either the district central co-operative bank to which they are affiliated or from the apex co-operative bank if they work in big cities where the apex bank has its Head Office. The provide credit to small scale industrialists, salaried employees and other urban and semi-urban residents.
Keywords	PACCS, Members' Satisfaction, Co-operative bank, NABARD
Field	Sociology > Economics
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-22
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.59421

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