• Dr. Dnyanesh Dilip Mahatekar

This study provides information about the differences in agricultural credit distribution and NPA (non-performing assets) ratios across Indian states. According to the study, stable production in Punjab and Tamil Nadu results in relatively lower NPA ratios than the national average, while large agricultural states like Maharashtra and Uttar Pradesh have higher NPA ratios. Monsoon dependence, market price swings, erroneous expectations of loan waivers, growing production costs, insufficient insurance plans, and shortcomings in banking recovery are the main causes of the increase in non-performing assets (NPAs). Over the past ten years, the distribution of agricultural credit has increased steadily, with the highest NPA ratios found in Tamil Nadu, Uttar Pradesh, and Maharashtra. The banking system is under strain, though, and fiscal restraint is being undermined by the increase in non-performing assets. Long-term solutions should include expanding irrigation facilities, stabilizing production, enhancing farmers' financial literacy, successfully implementing crop insurance programs, guaranteeing MSP implementation, and enhancing market management. Short-term loan waivers are insufficient. These actions will improve farmers' ability to repay debt, fortify their financial foundation, and ease the strain on the banking system. Policymakers, financial institutions, researchers, and farmers can use the study's insights as a guide to improve the effectiveness, sustainability, and resilience of agricultural credit management in the future. This study can strengthen the agricultural sector's substantial contribution to social and economic development and serves as a foundation for state-level policy decisions.

Crop insurance, agricultural policy, rural finance, loan waivers, agricultural credit, non-performing assets (NPAs), and state-wise analysis

"Agricultural Credit Distribution and Rising NPA Ratios in India: A State-Wise Comparative Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 10, page no.f188-f195, October-2025, Available :http://www.jetir.org/papers/JETIR2510524.pdf

"Agricultural Credit Distribution and Rising NPA Ratios in India: A State-Wise Comparative Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 10, page no. ppf188-f195, October-2025, Available at : http://www.jetir.org/papers/JETIR2510524.pdf