International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 8 Issue 3
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Rural Financing, Financial Inclusion and Socio-economic Development – A Study of Palarah SKUS under Hooghly DCCB

Author(s) Ms. Tanusha Patnaik, Dr. Gita Khawas
Country India
Abstract The Primary Agricultural Credit Societies (PACS) or Samabay Krishi Unnayan Samitis (SKUS) are the grassroots units of India’s co-operative credit structure and play a crucial role in supporting rural households. Despite recent efforts to modernize these institutions, many poor and vulnerable groups in rural West Bengal still face barriers in accessing the services provided. This study examines the effectiveness of the Palarah SKUS under Hooghly District Central Co-operative Bank (DCCB) in reaching the poorest households and assesses whether the services offered align with their livelihood needs. It also explores how PACS can become increasingly digitalized by adopting modern banking technologies and financial inclusion processes, so that it functions as a one-stop banking solution for the rural communities. A descriptive, case based mixed method design is used, drawing on semi-structured interviews with rural households and other secondary sources. The analysis focuses on awareness, accessibility, usage patterns, handling of modern software, and barriers faced by marginalized groups to be part of the banking revolution. The study highlighted gaps in service delivery, variation in participation, and the efforts taken regarding digitalization services. The findings revealed that while the Palarah SKUS maintains high community trust and effectively delivers traditional credit, significant gaps remain in digital service delivery and mobile banking infrastructure.
Keywords Primary Agricultural Credit Societies (PACS), financial inclusion, co-operative credit structure, digitalization, one-stop banking solution, rural livelihoods.
Field Sociology
Published In Volume 8, Issue 3, May-June 2026
Published On 2026-05-30
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E-ISSN 2582-2160
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