Published Paper Details:

This study investigates the utilization patterns and repayment behavior of agricultural loans among farmers in Thanjavur, a prominent agricultural region in Tamil Nadu, India. The research examines the relationship between loan utilization, borrower characteristics, and repayment outcomes to provide insights into factors influencing farmers' financial practices. Data was collected through surveys and analyzed using statistical methods to assess the extent to which loan utilization impacts repayment behavior. The findings reveal relationships between loan utilization, borrower demographics, and repayment performance, highlighting the importance of tailored lending approaches..The study underscores the need for financial literacy initiatives, support services, and flexible loan structures to enhance borrowers' financial management skills and mitigate default risks. By understanding the complex dynamics of agricultural lending in Thanjavur, policymakers and financial institutions can develop targeted interventions to promote sustainable agricultural finance and rural development.