• Gopalakrishna K

Abstract It is the fact that majority of Indian farmers are poor. Therefore, Agricultural credit plays a prominent role in the life of farming community. Modernization and rural development requires the provision of cheap finance especially for long periods. The investment credit is of great importance in a capital-scarce country like India. All India Rural Credit Survey Committee (1954) observed that “The credit fell short of the right quantity, was not of the right type and did not serve the right people.”1 The flow of credit to the agriculture sector failed to exhibit any appreciable improvement mainly due to the fact that commercial banks were not tuned to the needs and requirements of the small and marginal farmers, while the co-operatives, on the other hand, lacked resources to meet the expected demand. Thus, the need for a special kind of institution to provide long-term finance to the Indian agriculturists was earnestly felt. Consequently, land development banks came into existence. Initially, the land development banks were instituted in the form of co-operative land mortgage banks. In view of the broader role of LDBs they are now known as ‘Primary Co-operative Agriculture and Rural Development Banks’. These PCARDBs are specialized Institutions catering to the complicated term loans of farmers in India. These banks are functioning on the principle of ‘co-operation’ and not entirely on the commercial parameters. Here an attempt is made to Evaluate the Performance of Primary Co-operative Agricultural and Rural Development Bank of Bhatkal Taluk of Uttarkannada District.

Key words: Agricultural credit, farming community, term loans, specialized Institutions.

"Performance Evaluation of Primary Co-operative Agricultural and Rural Development Bank: A Study of Primary Co-operative Agricultural and Rural Development Bank of Bhatkal Taluk of Uttarakannada District of Karnataka State", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.854-865, June-2019, Available :http://www.jetir.org/papers/JETIR1908919.pdf

"Performance Evaluation of Primary Co-operative Agricultural and Rural Development Bank: A Study of Primary Co-operative Agricultural and Rural Development Bank of Bhatkal Taluk of Uttarakannada District of Karnataka State", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp854-865, June-2019, Available at : http://www.jetir.org/papers/JETIR1908919.pdf