Economic impact of Kisan Credit Card Scheme in Western Maharashtra

Farm credit is a strategic input. Kisan Credit Card (KCC) aims at providing timely and adequate credit to the farmers in a cost effective and flexible manner. In addition to credit for crop production, the scheme provides credit for ancillary activities. The scheme is being implemented in the country by all the banks from the year 1998–99. The present study was undertaken with an objective to study the impact of credit under KCC on profitability of crops. For evaluating the objectives of the study, primary data relating to production, income, borrowing, repayments, etc. were collected from selected borrowers using a pre-tested and well-structured schedule. It was evident that the KCC scheme has contributed for increased net returns from the per unit area.