Agri. Investment Credit in India: Hidden Opportunities & Challenges

Registration ID: IJNRD_226072

Published ID: IJNRD2407535

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Lalita Hanabar

Investment, Credit, Farmers, Agriculture

A major mass of the population in India is involved in Agricultural activities as its primary source of income. India has been in a continuous tryst with its farming practices, infrastructure and credit availability since the independence. It is the sector which contributes around 18 to 20% of the GDP of the country. Agriculture as a sector which is emotionally attached to its population since the ancient times and marking new heights by achieving self-sustainability in food grain production and embarking the world with its year-on-year increase in Agri. export value. However, in case of investment in the form of credit in the Indian agriculture is still a long way to go as compared to developed countries with new hi-tech machineries and technologies leading to substantial reduction in manual intervention as compared to India. To bridge these gaps in technology intervention or mechanizing agriculture along with Government support access to credit forms integral part of the agricultural sectoral development in the country. Since the launch of Kisan Credit Card scheme in 1998, Agricultural credit has become integral part of the banking sector in India. However, as compared to production credit that is lent in the form of cash credit for day-to-day farm activities, investment towards the purchase of machinery, setup of farm infrastructure such as godows, adoption of new technologies like drones or any other kind of long-term borrowings are less than 40% as compared to production credit among the farming communities. Hence this paper is an attempt to put lights on opportunities available and challenges for the agriculturists as well as bankers to enhance lending towards investments in the agricultural sector by borrowing medium to long term loans to build a sustainable growth in both in financial and farming sector.

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Lalita Hanabar (July-2024). Agri. Investment Credit in India: Hidden Opportunities & Challenges. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(7), g319-g325. https://ijnrd.org/papers/IJNRD2407535.pdf

Volume 9 Issue 7, July-2024

Pages : g319-g325

Paper Reg. ID: IJNRD_226072

Published Paper Id: IJNRD2407535

Research Area: Other

Author Type: Indian Author

Country: HYDERABAD, TELANGANA, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2407535.pdf

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