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VOL. 8, ISSUE 4 (2026)
Source-wise agricultural credit and outstanding among farming communities: A study in Telangana
Authors
Dr. B Nageswar Rao
Abstract
Agricultural credit plays an important role in
meeting the financial requirements of farming communities and supporting
agricultural activities. The present study, entitled “Source-wise Agricultural
Credit and Outstanding Among Farming Communities: A Study in Telangana,”
examines the distribution, frequency, amount availed and outstanding position
of agricultural credit among farmers across different institutional sources.
The study is based on primary data collected from 75 respondents who obtained
agricultural credit from Primary Agricultural Cooperative Societies (PACS),
National Cooperative Banks (NCBs) and Regional Rural Banks (RRBs). The analysis
considers the socio-economic characteristics of respondents, landholding size,
educational status, age, frequency of credit availed, credit range and
outstanding agricultural credit. The findings reveal that NCBs were the major
source of agricultural credit, accounting for 61.3 percent of the respondents,
followed by PACS and RRBs. BC respondents constituted the largest social
category, while marginal farmers formed the largest landholding group. Primary
education was the most common educational level, and respondents aged 56-65
years constituted the largest age group. Five times was the most common
frequency of credit availed during the last five years. The Rs.300,001-400,000
range was the most common credit range. NCB borrowers recorded the highest
overall average agricultural credit of Rs.312,183 and the highest average
outstanding credit of Rs.313,331. The study concludes that institutional credit
is an important source of agricultural finance among the farming communities
studied, with NCBs occupying a leading position. Strengthening timely, adequate
and accessible institutional credit facilities can support farmers in meeting
their agricultural financial requirements.
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Pages:20-27
How to cite this article:
Dr. B Nageswar Rao "Source-wise agricultural credit and outstanding among farming communities: A study in Telangana". International Journal of Management and Economics, Vol 8, Issue 4, 2026, Pages 20-27
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