• Dr.B.KARTHIKEYAN

From time immemorial, agriculture continues to hold the pride of place in Indian economy. In spite of big achievements in industrialization in the post-inde¬pendence era, the country’s economy is still mainly agrarian in character. But today it is one of the slowest growing sectors of our economy. This slow of agricultural growth has led to a decline in the overall growth of the economy. The farming community of the country is badly caught in the clutches of moneylenders. In spite of taking various measures to rejuvenate farm credit, the flow of credit to the agriculture sector remained inadequate. The banks are deliberately keeping off from agriculture sector because of the difficulties in handling the business and the easy returns they could get from industries. The present study has been devised to have in-depth knowledge about farmers’ perception towards agricultural lending by the public sector commercial banks in Cuddalore district. The present study is confined to 3 public sector commercial banks, namely, Indian Bank, Indian Overseas Bank and Canara Bank. The sample size consists of 558 farmers. The study is empirical in nature based on survey method. The primary data are collected from the agricultural borrowers of the public sector commercial banks. On account of low level of education and poor comprehension of banking operations, schedule method is employed to collect primary data from the agricultural borrowers. The researcher suggests measures such as avoidance of political interference, objectivity of the bank officials, flexibility, regular monitoring, liberal formalities, adequate loan amount, quick loan sanction and reduced rate of interest for the effective agricultural lending by the public sector commercial banks.

Agricultural credit, rural development, agricultural economy, lending policies and practices, etc.

"AGRICULTURAL LENDING BY PUBLIC SECTOR COMMERCIAL BANKS WITH REFERENCE TO PERCEIVED OPINION OF THE BORROWERS IN CUDDALORE DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 5, page no.379-386, May-2019, Available :http://www.jetir.org/papers/JETIRBP06068.pdf

"AGRICULTURAL LENDING BY PUBLIC SECTOR COMMERCIAL BANKS WITH REFERENCE TO PERCEIVED OPINION OF THE BORROWERS IN CUDDALORE DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 5, page no. pp379-386, May-2019, Available at : http://www.jetir.org/papers/JETIRBP06068.pdf