National Academy of Agricultural Sciences (NAAS)
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PRINT ISSN : 2319-7692
Online ISSN : 2319-7706 Issues : 12 per year Publisher : Excellent Publishers Email : editorijcmas@gmail.com / submit@ijcmas.com Editor-in-chief: Dr.M.Prakash Index Copernicus ICV 2018: 95.39 NAAS RATING 2020: 5.38 |
Kisan Credit Card (KCC) scheme was started by Government of India in year 1998- 99 to provide adequate and timely support from the banking system to the farmers in a flexible and cost effective manner. The study has been undertaken to evaluate Kisan credit Card scheme in Bhabua district of Bihar. The study used both primary and secondary data on KCC issued and amount sanctioned collected from District Lead Banks and primary data relating to production, income, borrowing, repayments, interest and cost of borrowing, opinion of borrower etc. collected from 60 KCC and 60 non-KCC sample borrowers. The results revealed that though the Kisan Credit Card scheme was initially restricted to the farmers who had good track record of repayment, later it was extended to those who have production credit need of Rs.5000 and above. In the Bhabua district there was high positive growth in both the number of KCC issued (393.38%) and amount sanctioned (230.52%). The total credit cost as percentage of amount borrowed was higher in the non KCC category as compare to that in the KCC. In all the major crops the credit provided under both KCC and non-KCC categories was found adequate but the credit gap was less in KCC as compare to that in non-KCC category. The scheme of Kisan Credit Card should be extended to cover all the farmers which will help not only in reducing cost of credit but also to get adequate amount of credit.
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