• Dr. Runumoni Lahkar Das

Indian economy is predominantly a rural economy with an agricultural base. Therefore, agricultural financing assumes an important in the development of village economy. Finance makes villages more liveable and village occupations more viable. Financial powers serve a great variety of needs in rural activities such as agricultural, agro-allied, industrial, etc. In agro-industrial and industrial sector finance hastens the introduction of industries, creates employment opportunities and helps in better utilization of resources. It provides modern amenities of life and thereby introduces urbanism in rural life. The government and other functionaries such as doctors, bank managers, and teachers can be attracted and retained in villages. The purpose of this study is to identify the beneficiaries of the agricultural credit schemes given by the commercial banks especially for ADB of State Bank of India. The data were collected from a sample of 200 beneficiaries belonging to 40 villages spread across the 4 blocks of the Barpeta District. For identification of the beneficiaries both economic and non-economic characteristics of the farmers are taken into consideration. The impact is measured in terms of the benefits derived by the borrowers. The specific parameters that have been used for this purpose are land utilisation, cropping pattern (output) yield rate of variation, extent of irrigation facilities, income and expenditures of borrowers etc. In addition to the identification and assessment to the benefits derived by the sample particulars an attempt is being made to examine farmer’s attitudes and expectations with respect to the banking schemes. The data indicate that the agricultural credit in the survey area has been marked by predominance of non-institutional credit. However, at present the farmers of the Barpeta district are enthusiastic to take agricultural loan from the commercial banks rather than from the money lenders of the villages.

Agriculture, State Bank of India (SBI), Institutional Credit, Agriculture Development Branch (ADB)

"Performance of Agricultural Development Branches of State Bank of India in Assam with special reference to Barpeta District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.1, Issue 2, page no.1809-1815, July-2014, Available :http://www.jetir.org/papers/JETIR1701668.pdf

"Performance of Agricultural Development Branches of State Bank of India in Assam with special reference to Barpeta District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.1, Issue 2, page no. pp1809-1815, July-2014, Available at : http://www.jetir.org/papers/JETIR1701668.pdf