The problem
Primary Agricultural Credit Societies (PACS) run banking, lending, trading and more for their farmer-members, often with staff who have limited computer experience. They need software that automates daily operations so they can focus on the business of finance rather than on managing IT — while staying compliant and standardized across societies.
What Roots does
- NABARD-compliant reporting — CAS and MIS reports standardized across every PACS using Roots.
- A 360-degree member view — search members quickly and see their credit history and transactions at a glance.
- Easy to use — navigation driven by picture icons, usable with minimal computer literacy, and available in any Indian language.
- Interfaces with the DCCB — maintains the farmer-member’s loan account and processes KCC operations through their Savings account at the District Central Cooperative Bank.
- More than core banking — member onboarding and banking alongside loan processing, trading, warehousing, PMFBY crop-insurance extracts, public distribution and member shares.
- Parameterized to cover each region’s operational and policy nuances.
Clients
Odisha State Cooperative Bank · Karnataka State Co-Operative Apex Bank