• Mahendra D. Gurjar
• Krunal C. Kamani
• Maulik C. Prajapati
• Sanjay J. Jadav
• Ashish K. Makwana

In the recent past there is a significant increase in the number of bank accounts held by farmers in rural areas. There have been significant developments in the country’s banking sector such as the introduction of Jandhan accounts, demonetization, and several social benefit schemes offered to account holders. However, it is felt that financial literacy of basic banking services should be possessed by all bank account holders in order to benefit themselves from various government development schemes which are primarily linked to account holders. Hence this research study was undertaken and the following methodology was followed.Total 100 respondents were selected for the study. The respondents were the participants of training programme conducted by the Dairy Vigyan Kendra during the year 2017-18 and were having bank accounts. Necessary data was collected from the respondents by using interview schedule with the respondents. The data analysis was done for making interpretations. , the respondents had very low usage and exposure to various banking products and services (Debit card, Credit card, FD, etc). Also the awareness of benefits of social security schemes attached with bank accounts such as Rupay debit card, PMSBY, PMJJBY was very low. Hence it is suggested that, in the present era where the thrust is on initiatives such as – “financial inclusion” and “digital transactions”, it is very necessary to improve the basic banking literacy of rural farmers regarding Banking products and bank account associated Social benefit schemes.

banking products, Usage of banking by dairy farmers, social benefit schemes, digital India, rural banking.

"FINANCIAL LITERACY ABOUT BASIC BANKING PRODUCTS AND SOCIAL BENEFIT SCHEMES AMONG THE PARTICIPANT FARMERS OF DAIRY VIGYAN KENDRA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 9, page no.95-101, September-2018, Available :http://www.jetir.org/papers/JETIRA006247.pdf

"FINANCIAL LITERACY ABOUT BASIC BANKING PRODUCTS AND SOCIAL BENEFIT SCHEMES AMONG THE PARTICIPANT FARMERS OF DAIRY VIGYAN KENDRA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 9, page no. pp95-101, September-2018, Available at : http://www.jetir.org/papers/JETIRA006247.pdf