One platform for urban co-operative credit societies, salary/employee patsanstha, and Primary Agricultural Credit Societies (PACS) — share & member ledgers, deposit schemes, loan recovery, and statutory reporting.
Credit societies, patsanstha and PACS operate under co-operative society bylaws rather than full RBI banking regulation — but still need robust, audit-ready software to manage member share capital, deposit schemes, loan recovery and statutory filings. As part of the national PACS computerisation initiative led by NABARD, digitisation is increasingly expected rather than optional. Sutradhar's Credit Society software is scoped specifically for this segment, so you're not paying for (or waiting on) full core-banking infrastructure you don't need.
Complete member share capital, admission, and transfer records.
RD, FD and pigmy deposit schemes with automated interest calculation.
Crop loans, personal loans, and recovery tracking with agent field app.
Automated dividend computation and Annual General Meeting report packs.
Real-time data sync for societies operating across multiple locations.
Registrar / Sahakar Vibhag-format reports and audit trail.
Field agents record collections and account openings from any village or ward.
Encrypted storage with scheduled backups and access controls.
See share ledgers, deposit schemes and statutory reporting in a short walkthrough.
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Ward and town-level societies serving local members.
Primary Agricultural Credit Societies under the NABARD computerisation scheme.
Employer-linked credit societies for salaried members.
Societies operating branches across state lines.
India's Primary Agricultural Credit Societies are undergoing a large-scale, NABARD-supported computerisation drive intended to bring transparency, faster credit disbursal, and integration with District Central Co-operative Banks. Societies that computerise early gain a head start on compliance, audit-readiness and member trust.
Sutradhar's team helps PACS boards understand what computerisation actually requires — hardware, connectivity, staff training and ongoing support — not just the software licence.
Read our PACS Computerisation Guide →PACS (Primary Agricultural Credit Societies) are the village-level co-operative credit institutions that form the base of India's rural credit structure, and are the subject of a national NABARD-led computerisation drive. PACS software digitises share/member ledgers, deposits, crop loans and statutory reporting so societies can integrate with District Central Co-operative Banks and regulators.
They refer to the same category of institution — "patsanstha" is the Marathi term for a credit society, widely used across Maharashtra. Our software covers both terms' requirements: urban co-operative credit societies, salary/employee patsanstha, and multi-state credit societies.
Yes — the platform is built to serve single-branch societies as well as multi-branch, multi-state credit societies. Pricing and support scale with your size.
Yes, statutory and audit-format reports are built into the platform. Report formats are periodically updated to reflect current regulatory requirements — we recommend confirming the latest formats with your auditor during onboarding.
Our implementation and support team works in Marathi, Hindi and English, since most patsanstha and PACS staff operate primarily in the local language. The interface itself can be configured for regional-language labels on request.
Credit societies and PACS generally don't need every CBS feature (like RTGS settlement infrastructure) but do need deposit schemes, share capital, loan recovery and dividend/AGM reporting specific to co-operative society bylaws. This product is scoped and priced for that need — larger societies that grow toward full banking operations can migrate onto our Core Banking Software.
