Article’s

This study examines how the digital transformation of Primary Agricultural Cooperative Credit Societies (PACCS) in Tamil Nadu is improving financial inclusion and supporting rural livelihood development. PACCS has gradually adopted digital tools, including mobile applications, e-passbooks, online payment systems, SMS alerts, and core banking platforms, to provide faster and more transparent services. Secondary data from government reports, cooperative department publications, NABARD documents, and academic sources were analysed to understand trends in technology adoption, digital credit delivery, SHG linkage, and member service usage. The findings show that digitalisation has enabled timely KCC loans, smooth online transactions, faster insurance payments, and direct benefit transfers for rural households. SHGs and women members have gained easier access to credit and improved savings practices through digital platforms. The study concludes that digital services reduce dependence on informal credit, strengthen financial access for marginalised groups, and contribute positively to income stability, farm productivity, and overall livelihood improvement in rural Tamil Nadu.