The Long Term Credit Sector comprise of OSCARD Bank at the  Apex and 46 CARD Banks at the Sub-Divisional level. Since 2004-05,these CARD Banks  have not provided any loan on account of non –availability of line of credit from NABARD. A Tax Force at the national level has been constituted to suggest measures for revival of the Long Term Credit Sector.

PACS at the grass root level provide farm and non-farm credit to farmers members. With a view to simplifying the procedure of disbursement of farm credit to farmers, Kissan Credit Card Scheme has been introduced in 1988-89.PACS have been played a crucial role in issue of KCC to farmer as compared to the Commercial Bank and commanded a stake of 76% of the total KCC issued in the State. Achievement in distribution of KCC by Cooperative Sector

12 Urban Cooperative Banks functioning in the State are providing  finances for Self-employment to the unemployed youths and other minimum banking services like acceptance of deposit  etc. in urban and sub-urban areas.