District Central Cooperative Banks (DCCBs) act as a vital link in the agricultural credit system, primarily by providing funds to the Primary Agricultural Credit Societies (PACS). These PACS, in turn, disburse credit to farmers. While Scheduled Commercial Banks and Regional Rural Banks also play a role in agricultural credit, the cooperative sector, spearheaded by DCCBs, traditionally has a more significant footprint in short-term rural credit delivery, especially at the grassroots level through PACS.