• Dr.SUJESH.C.P

In India credit in agricultural sector is highly critical due to the scarcity of funds faced by the agriculturists. The Reserve Bank of India and Government of India have, from time to time, given number of programmes, policies and initiatives for the enrichment of the agricultural sector, which led to the various agricultural revolutions. As a result, in India, agricultural credit growth has been significant over the years. The banks and other financial institutions as a mediating force for agricultural credit occupy a crucial role in this context. Even though the performance of banks and other financial institutions in the country is highly noteworthy, the agricultural credit system is filled with varying issues affecting both the lenders and borrowers. There arises a need for having a better performance in agricultural credit system and hence all the adverse factors affecting the borrowers and lenders are to be wiped out in its strict sense. Therefore, the appropriate authorities have to assume the agricultural credit as a major concern so as to arrive at workable solutions and policy initiatives for the betterment of the society in general and agricultural sector in particular.

Agricultural Credit, Bank, Borrower, Interest, Margin Money, Processing Fee, Security.

"DISTINCTIVENESS OF INSTITUTIONAL SOURCES OF AGRICULTURAL CREDIT IN KERALA - A BORROWER LEVEL ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 5, page no.1132-1139, May-2019, Available :http://www.jetir.org/papers/JETIR1905S70.pdf

"DISTINCTIVENESS OF INSTITUTIONAL SOURCES OF AGRICULTURAL CREDIT IN KERALA - A BORROWER LEVEL ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 5, page no. pp1132-1139, May-2019, Available at : http://www.jetir.org/papers/JETIR1905S70.pdf