The Centre has clarified that there are no major credit access constraints for cooperative societies in Uttar Pradesh, with refinance support being adequately channelled through the existing structure. In a written reply in the Lok Sabha, Union Minister Amit Shah said NABARD provides refinance to State Cooperative Banks (StCBs), which further lend to District Central Cooperative Banks (DCCBs) and Primary Agricultural Credit Societies (PACS).
NABARD does not directly fund PACS; instead, credit flows through a structured, demand-based system. Over the past five years, Uttar Pradesh has received substantial refinance support, particularly under short- and long-term credit schemes.
The government said norms are flexible to ensure timely credit, and no gaps in refinance have been reported in the state. Measures such as PACS computerisation and digital platforms like Digi KCC aim to further improve credit delivery and efficiency.