Agriculture is the backbone of our Indian Economy. But, at present agriculture are facing many problems. The main problems are credit and other capital requirements. Availability of credit to agriculture sector is the major factors that affect the agricultural development. PACS are one of the important institutional sources of credit which provide short term and medium term loan to rural people to meet their financial requirement. It works under the District Co-Operative Banks and it is organized at grass root level of village or a group of small villages. In this research paper we have analyzed the growth of PACS in India and Bihar from 2008-09 to 2017-18.

KEYWORDS:  Primary Agricultural Credit Society (PACS), Agriculture Credit, Institutional Finance.