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 |
This paper attempts to analyse the status of agricultural credit disbursement in the state of Odisha. The analysis has revealed that the credit disbursed for the crop loan, term loan and allied loan has been increased over the period of time. The growth rates in crop loan disbursement among the institutional sources showed that co-operative banks registered significantly highest growth of 18.05 per cent followed by commercial banks at 17.27 per cent and regional rural banks at 7.22 per cent and all significant at different per cents of probability level. Commercial banks were the major sources of term credit followed by co-operative banks and RRBs. The percentage of NPA to total outstanding has been recorded highest in case of regional rural banks followed by co-operative banks and commercial banks. Over the period of time it has been seen a gradual decrease in percentage of NPA to total outstanding in every cases of banks. The study has suggested improved modifications and policy measures that government should start for simplification of the procedure for a better access to agricultural credit of smallholders and less-educated/illiterate farmers.
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