Vol. 11, Special Issue 9 (2022)

Author(s):
Abhishek Garg and Dr. Hulas Pathak

Abstract:
Kisan credit card scheme is a major source for the farmers to avail crop loan. On the basis of land holdings of the farmers Kisan credit card provide institutional short term cash credit to the farmers. The present study is made an attempt to find out the farmers’ banking preference for availing KCC loan. The study was carried out in Bilaspur district of Chhattisgarh. Takhatpur and Bilha block of Bilaspur district were selected for the study purpose and out of total 12 selected villages 10 respondents from each village were selected randomly for the study purpose. In study area majority of sample KCC beneficiaries approx. 86 percent prefer co-operative banks for availing KCC credit and 11.67 percent sample KCC beneficiaries prefer commercial banks and 2.50 percent sample KCC beneficiaries prefer Regional rural Banks (RRBs) for availing KCC credit. Co-operative banks were maximum preferred by the farmers because of the low interest rate and also because it provides cash credit and kind support both.