Published Paper Details:

The present study is based on a random sample of 180 farmers consisting of 90 KCC beneficiary and 90 non-KCC beneficiary farmers by selecting three bank branches of Punjab national bank, Regional rural bank and Co-operative bank one from each have been selected from Sirsa, Dabwali and Rania blocks of Sirsa district, respectively. The primary data were collected for the year 2014-15. This study aims to analyse the utilization pattern and adequacy of credit provided through KCC by the beneficiary farmers in Sirsa district. For examining the utilization pattern Simple percentage method was used while to examine adequacy of credit amount sanctioned under KCC scheme both method average and percentage were computed to draw meaningful inferences. The study showed that most of the part of credit provided through KCC scheme to the farmers was misutilized by them in the study area. The study also revealed that the credit provided through KCC scheme for the selected crops i.e. wheat and paddy was inadequate in the district as well as across the various categories of farmers i.e. small, medium and large. The credit gap was found positive for both of the selected crops i.e. wheat and rice. It was found higher for paddy crop as compared to wheat crop in the study area. This study also suggests that more extension staff should be deployed by authorities to the bank branches to monitor the farmers for proper utilization of the credit availed under the KCC scheme.