Agricultural Credit Delivery System in India: Access and Impact

One of the concerns of today's policy makers is to find out the solution to the problems of the farmers distress. It is common impression that the burden of debt upon the farmer is getting heavier day by day because of the functioning of non-institutions in the field of agricultural finance. The demand for agricultural credit increasing due to sophisticated technology in the agricultural sector, use of modern fertilizers, plant protection pesticides, improved seeds, modern implements, machineries and others. Naturally, peasants cannot invest funds to acquire all the inputs from out of their scant savings and hence they are approaching the money lenders and others for meeting their credit needs.