Abstract
The present study aims to examine the agricultural credit provided by commercial banks in Vellore District and analyse the repayment performance of agricultural borrowers. Commercial banks play a significant role in meeting the credit requirements of the priority sector, particularly by extending agricultural credit to farmers and ensuring effective supervision over the utilisation of loans. Vellore District comprises numerous villages and has a considerable extent of agricultural land, with agriculture being one of the major occupations of the rural population. Despite the availability of institutional credit, farmers continue to face various challenges relating to access to agricultural finance, utilisation of credit, and timely repayment of loans. Therefore, an in-depth analysis of these issues is essential to understand the effectiveness of commercial banks in providing agricultural credit and the repayment behaviour of borrowers in the district. Hence, the present study focuses on the role of commercial banks in providing agricultural credit and examines the repayment performance of borrowers in Vellore District.
Vellore District
References
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Author information
Dr. Rashmi Subbiah
Associate Professor, Department Of Economics, Ethiraj College For Women, Chennai.