Abstract
"PACS are the banks, which are situated in rural area and plays a very important role in rural credit system by performing their activities on co-operative principles and also these banks are worked under the District Credit Co-operative Banks. They provide short term and medium-term loan to rural people to meet their financial requirements. But, the rural people still depend on unorganized sources such as money lenders in village, mandies, traders etc. So , various measures taken by Government to reduce these unorganized sources through the establishment of PACS in rural areas. Present study is an attempt to know the various loan waiver schemes of PACS in Karnatak and their impact on the economic life of the farmers. Study found that government of Karnataka announced the various loan waiver schemes during the 2012-2018. Crores together amount is released and Lakhs together farmers are benefited"
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