Published Paper Details:

Agriculture is considered as the major sector and hence it has to be given top most priority while arriving at decisions and policies by the Government and other authorities concerned. In view of the significant contribution of the agricultural sector for the development of the economy as a whole, the Government at national and state level, NABARD and RBI have played a dynamic role in creating a broad based institutional framework for catering to the increasing credit requirements of the sector. In India Banks, co-operatives and other financial institutions occupy a very prominent role in the agricultural credit system and for its better performance. In spite of the disbursal performance of agricultural credit is getting more and more positive; the system is not free from all the defects of which one crucial party affected is the lenders or bankers disbursing agricultural credit. The problem of less repayment performance due to low income from agriculture and natural calamities and other related problems is a major seen in the credit delivery system. The detailed analysis of these problems will only be the means to annihilate the same to a large extent. It is also a very need on the part of the policy makers as well as the society at large to make, implement and ensure sufficient initiatives so as to be free from the distress prevailing in agricultural sector.