Model bye-laws for PACS circulated and adopted in Punjab; inclusivity for women and SC/ST membership
Punjab adopts model bye-laws for primary agricultural credit societies to broaden membership and strengthen local service delivery

- The Ministry of Cooperation prepared model bye-laws for Primary Agricultural Credit Societies in consultation with stakeholders and circulated them to all States and Union Territories.
- Punjab has adopted similar model bye-laws for Primary Agricultural Credit Societies and some societies in the State are working on service-linkage models.
The Ministry of Cooperation said model bye-laws for Primary Agricultural Credit Societies (PACS) were prepared in consultation with stakeholders and circulated to all States and Union Territories on 5 January 2023. The stated aim is to make PACS membership more inclusive and comprehensive, with adequate representation for women and Scheduled Castes/Scheduled Tribes.
Punjab has adopted similar model bye-laws. The Ministry of Cooperation said that PACS in Punjab are also working on linkages with Pradhan Mantri Kisan Samriddhi Kendra, Pradhan Mantri Bhartiya Janaushadhi Kendra, and Common Service Centre outlets.
Background and earlier position
UPSC can frame questions on how model bye-laws for Primary Agricultural Credit Societies seek to widen membership, improve representation of women and Scheduled Castes/Scheduled Tribes, and deepen the role of cooperatives in last-mile service delivery.
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