Empowering MPOWER with a real-time dashboard to support adolescent wellbeing in Meghalaya
Empowering MPOWER with a real-time dashboard to support adolescent wellbeing in Meghalaya
Strengthening PACS through a Comprehensive Growth Framework
Research at a Glance
The PACS Growth Framework is a research study by the Centre for Digital Financial Inclusion (CDFI) in partnership with the National Agro Foundation (NAF). The initiative aims to assess and support the transformation of Primary Agricultural Cooperative Credit Societies (PACS) through digital adoption and structured capacity building. The study uses a comprehensive survey tool to evaluate key operational aspects such as governance, finance, business operations, and member services. It was conducted across 221 PACS in four states, Madhya Pradesh, Maharashtra, Odisha, and Tamil Nadu, to guide societies towards long-term efficiency and sustainable growth.
221
MN+
PACS surveyed across Madhya Pradesh, Maharashtra, Odisha, and Tamil Nadu.
4
MN+
focus areas: Governance, finance, business operations, and member services.
Building stronger PACS for inclusive rural growth through digital and institutional transformation.
The study recognises the crucial role of PACS in supporting rural livelihoods and delivering essential financial services. Despite their deep grassroots presence, many PACS continue to face structural and operational limitations that restrict their ability to scale.
The research focuses on understanding the business challenges faced by PACS and developing a comprehensive growth framework to formalise their operations, establish institutional linkages, and encourage digital financial inclusion.
CDFI’s framework proposes a digital and data-driven toolkit for decision-making and growth planning, enabling PACS to diversify income streams, enhance governance, and strengthen their financial sustainability. As part of the ongoing phase, CDFI plans to pilot the framework, identify willing adopters, and mobilise multi-stakeholder support for its implementation.
Who can benefit from this study?
Cooperative Institutions and Policymakers
Can use the framework to strengthen PACS operations, enhance digital integration, and promote inclusive financial ecosystems in rural areas.
Development Partners and Financial Organisations
Can leverage the insights to design pilot programmes, support institutional capacity building, and scale sustainable PACS models across states.
