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Asian Journal of Research in Social Sciences and Humanities
Year : 2012, Volume : 2, Issue : 6
First page : ( 29) Last page : ( 47)
Online ISSN : 2249-7315.

Kisan Credit Card Scheme in India- Isuues and Progress

Dr. Uppal R.K.*Principal Investigator, Juneja Amit**Research Scholar

*UGC Financed Major Research Project, D.A.V. College, Malout, Punjab

**Department of Economics, Panjab University, Chandigarh

Online published on 8 June, 2012.

Abstract

Agricultural credit is essential for the development of agriculture in India as most of the Indian farmers are marginal farmers and are not able to invest huge amount of money for the betterment of agriculture and thus remain marginal through out their life. In order to solve this problem, NABARD launches Kisan Credit Card Scheme 1998–99 with an objective to provide appropriate amount of credit to the farmers. This study is mainly concerned with the comparative performance evaluation of various bank groups in issuing KCCs and sanctioning credit through these KCCs for the period 2009 to 2011. For this purpose, co-operative banks, regional rural banks and commercial banks are taken for investigation. The study finds that commercial banks are most successful in fulfilling the objectives of NABARD followed by regional rural banks. Co-operative banks are not successful in achieving their objectives and thus are not serving the agriculture, the farmers and the nation.

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Keywords

Kisan Credit Cards, NABARD.

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