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Indian cooperative credit structure: Central Co-operative Banks are directly connected with which tier? Identify the institutions with which district-level Central Co-operative Banks primarily interface.

Difficulty: Easy

State Co-operative Banks (apex banks)
Primary Agricultural Credit Societies (PACS) at the village level
Commercial scheduled banks
Regional Rural Banks only

Correct Answer: Primary Agricultural Credit Societies (PACS) at the village level

Explanation:

Three-tier structure
State Co-operative Bank (state/apex) → Central Co-operative Bank (district) → Primary Agricultural Credit Societies (village).

Direct touch
CCBs deal directly with PACS for lending, refinance, and supervision.

Final Answer
Primary Agricultural Credit Societies (PACS) at the village level

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