Impact of Kisan Credit Card Scheme on Profitability of Crops in Udham Singh Nagar District, Uttarakhand

The study utilizes both secondary and primary data; secondary data were collected from various govt. offices. For primary data, random sampling technique was followed to select 64 farmers (32 beneficiaries farmers taking loan through KCC, and 32 non-beneficiaries). Simple descriptive analytical tools and multiple linear regression analysis was used to achieve the objective.lt was found that, the Co-operative banks have shown a significant increase in issuing the KCC while the participation of the Nationalized Banks was declining in the last two years. There was an increase in the percent of the cards with respect to the total cards issued in the country from year 2006–07 to year 2012–13. Paddy (kharif) occupied 33.87 and 32.58% per cent area to the gross cropped area followed by wheat (rabi) occupying 33.71 percent and 30.19 percent area to the gross cropped area on the beneficiaries and non-beneficiaries farms, respectively. The average of costs and net returns of beneficiaries were 10.3 per cent and 16.6 per cent higher than the non-beneficiaries for paddy crop and 6.2 per cent and 7.5 percent for wheat crop, respectively. KCC increased the net profit from wheat and paddy by 2300 and 2664 per hectare respectively.