• Dr. SUJESH.C.P

Abstract The performance of the economy is highly influenced by the contribution of agricultural sector as majority population of the country is depended on it directly or indirectly. The agricultural credit flow has increased consistently over the years, exceeding the target set for each fiscal. An amount of Rs.11.68 lakh crore was given as credit to farmers in 2017-18, much higher than the Rs.10 lakh crore target set for that year. Therefore, this sector has to be sheltered in all respects in order to procure its benefits. As credit is an inevitable input to agriculture, ensuring them without delay is a critical element on the part of the Government, banks and other policy makers. The statistics reveal that there exists some sort of delay in disbursing credit to agriculture by banks in Kerala. In order to have a problem free agricultural credit delivery system, the identification and the analysis of the reasons of the problems is occupying a very significant role, which only can put forward various stringent measures. The major reasons identified for delay are unnecessary formalities and documentation, indifferent attitude of bank officials and lack of powers with the manager in sanctioning credit to the applicants. Therefore, it is suggested that some more initiatives are to be taken to wipe out these reasons so as to have a problem free credit delivery system.

Agriculture, Bank, Borrower, Commercial Banks, Co-operative Banks, Credit, Delay, RRB.

"Analysis of Delay in Availing Agricultural Credit from Banks in the State of Kerala", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 4, page no.869-875, April-2019, Available :http://www.jetir.org/papers/JETIR1904R32.pdf

"Analysis of Delay in Availing Agricultural Credit from Banks in the State of Kerala", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 4, page no. pp869-875, April-2019, Available at : http://www.jetir.org/papers/JETIR1904R32.pdf