• D.H.THAVAMALAR

Economic growth in India is through many sectors encompassing agriculture. growth in agriculture is plausible because of its huge cultivable land area potentiality which has the capacity to transform entire outlook of country’s economy. With moving economy the proportion of agriculture is unique but notably opportunity to work even as labourers in farm are steeply down. An estimate of annual food grain consumption of India likely to be 200mt by 2050 due to burgeoning population explosion of 1.2 per cent per year. The demand in food grain could be met through utilization of recently developed varieties, judicious irrigation management, utilizing good quality seeds and need based after cultural measures. However farmers cannot meet out these farm measures because of their poverty and illiteracy. They need the support of banks for loans so that they make the farm business profitable. Even though commercial banks are providing loans to the farmers of various land holding and income group, still loan default by the stakeholders pose a major issue which tilt the activities of banks towards needed credit flow and halt the farmers livelihood improvement and total farm outcome. The reasons may be many both predictable and unpredictable. Repayment of loans by borrowers depends upon their ability as well as willingness to repay .The variables such as income resource level technology along with repayment structure determines ability to repay. In the present study emphasis has been given to understand the nature of defaulters and non-defaulters on farm credit based on their land holdings , cropping pattern, farm and non-farm income, consumption expenditure ,debt outstanding , family size, age and education status of cuddalore district

stakeholders, borrowers, farm credit, debt

"An Economic Analysis on the Prospects of Cuddalore District Farmers through Agricultural Finance of commercial banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.404-414, June 2019, Available :http://www.jetir.org/papers/JETIR1906H36.pdf

"An Economic Analysis on the Prospects of Cuddalore District Farmers through Agricultural Finance of commercial banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp404-414, June 2019, Available at : http://www.jetir.org/papers/JETIR1906H36.pdf