An Economic Analysis: Agricultural Finance By Commercial Banks With Special Reference To Bhagalpur District

Abstract

The agriculture credit is a plays very central function in the growth of agriculture and the countryside economy. The openness of adequate and lucky credit, as an essential commitment to farming, has a lot of importance to the borrowers. The accessibility, costs,
consumption and return from the investment hold great implication from an economic position. In India the credit disbursements to agriculture are through by the agencies. The agencies include moneylenders, commission agent’s traders; institutions include the
Cooperatives, Commercial Banks and Regional Rural Banks. Even though the official agencies develop their lending to agriculture various, the supplies of the farmers are not fully met. The commercial banks doubled the quantum of lending to the agriculture for the duration of last few years; quiet the ration, particularly of the little and insignificant farmers. The institutional lending to agriculture has a number of bottlenecks, which include in the direction faced together with the borrowers and lenders. In this environment, the present study to estimate the views of the borrowers involving to ease of understanding, cost, and impact of credit and refund of loan. The perceptions of the bank officials and the problems coupled with agriculture lending are also taken into consideration.