• Mr.Ramesha H.C.

The Present Agricultural credit structure in India has several sources and agencies engaged in extending credit to the rural people. Some agencies are in the organized sector, some others are in the unorganized sector. Similarly, some agencies are engaged in providing credit directly to the farmers, others are engaged in indirect financing, i.e., through refinancing. Finance is an important factor of development for all sectors of the economy. It becomes more important because of unorganized nature of farming and inability of the farmers, especially small and marginal, to invest from own sources. Finance has been recognized as the life blood of all economic activities; like all other producers’ agriculturist also needs credit. The need of finance for agriculture is hardly be over emphasized where its productivity is still low due to financial constraints. The present paper makes a thorough discussion on various sources of agricultural credit. While the first Part deals with agencies engaged in direct financing and in the Second part discusses the agencies engaged in indirect financing for different purposes to the agriculture sector.

credit, agriculture, productivity

"The Performance of Banking Sector in Agriculture Credit in India: An Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 10, page no.150-158, October-2018, Available :http://www.jetir.org/papers/JETIRG006019.pdf

"The Performance of Banking Sector in Agriculture Credit in India: An Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 10, page no. pp150-158, October-2018, Available at : http://www.jetir.org/papers/JETIRG006019.pdf