A Study on Financing of Agriculture by Banks in India

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Prakash Pradhan, Shakti Ranjan Mohapatra, Deepak Kumar Sahoo


The study is empirical in nature, and it intended to assess different types of loans available for farmers and ratio of institutional credit to output for agriculture in India. The study concludes that there are several schemes and types of loans available for farmers of India. In the year 2022, the ratio of institutional credit provided to the total output in agriculture was 1.28. The total amount distributed in the year 2020-21 is Rs-190682. In the year 2021-22 it seen the highest achievement of distribution as the distribution amounted to 217849 and 94.5%. In 2023 75 % of the total loan disbursal is higher rate loans (more than 7%) and lower rate loans got very less disbursal.

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