Abstract:
isan Credit Card (KCC) scheme performance in India has been studied by finding its share in the total amount of loan disbursed to agriculture. The flow of credit through KCCs has been investigated from three types of financial institutions, viz. cooperative banks, regional rural banks and commercial banks in
terms of total loan amount, application of farmers and amount per card. Region-wise study has revealed a wide disparity in the performance of these institutions. The case study of Rajasthan has depicted a similar picture with a vast disparity across different districts of the state in terms of amount, number of cards and amount per card. The gross returns and consequently net margins have been found higher for KCC beneficiary than non-beneficiary
farmers. The factors influencing the adoption of KCC scheme and constraints perceived by the farmers have been identified. Some measures have also been suggested to attract more farmers towards the scheme.
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