Farm credit is one of the essential requirements for the growth in agricultural production and productivities. In order to make available this credit at affordable rates, many policies, including nationalization of banks, lead bank scheme, establishment of NABARD, etc. were formulated. However, in the low crop security areas, the availability of institutional credit still remains a problem. The Present paper examines the credit gap in agriculture in Bikaner district. The study uses, both primary and secondary data for the year 1998–99 collected tehsil-wise. The total credit gap for the district has been estimated as 86.38 per cent, showing major hindrance in speedy development of the agricultural sector to which the government and the policy planners must pay adequate attention.
