• Dr. Binay Kumar Singh

Agriculture is a vital part of our economy, and access to credit plays a big role in increasing crop yields. Access to adequate, timely, and reasonably priced loans from institutional sources is particularly important for small and marginal farmers. Income, asset accumulation, and food security are all boosted for the rural poor when they have access to affordable financial services. Financing agriculture in India has been a huge difficulty for the country's banks and government because of the sheer enormity of the credit needs on the one hand and the unpredictability of the natural world on the other. Several initiatives have been launched by both the Reserve Bank of India (RBI) and the National Bank of Agriculture and Rural Development (NABARD) to improve the efficiency of the country's agricultural credit disbursal system by replacing antiquated infrastructure and procedures with more cutting-edge technological and organizational approaches. The Kisan Credit Card (KCC) is a new initiative that was established in 1998–1999 to facilitate farmers' access to short-term bank loans. The innovative loan distribution system was created to help farmers get the money they need to expand their farms. The goal was to make it possible for them to access bank funds and use those funds to invest in farm startup necessities like seed, fertilizer, and pest control. The purpose of this research is to assess the good outcomes of the program for subsistence farmers in rural regions.

Kisan Credit Card Scheme, Agricultural Credit, RBI, NABARD, RRBs.

"A STUDY ON KISAN CREDIT CARD SCHEME WITH SPECIAL REFERENCE TO JHARKHAND STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.4, Issue 2, page no.496-501, February-2017, Available :http://www.jetir.org/papers/JETIR1702079.pdf

"A STUDY ON KISAN CREDIT CARD SCHEME WITH SPECIAL REFERENCE TO JHARKHAND STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.4, Issue 2, page no. pp496-501, February-2017, Available at : http://www.jetir.org/papers/JETIR1702079.pdf