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Abstract
Agriculture credit is an important prerequisite for agricultural growth. Agricultural policies have been reviewed from time to time to provide adequate and timely availability of finance to this sector. Rural credit system assumes importance because for most of the Indian rural families, savings are inadequate to finance farming and other economic activities. The institutional sources are inadequate to meet their credit needs and farmers need to approach non-institutional sources for additional credit facilities. In India a multi-agency approach comprising co-operative banks, scheduled commercial banks and regional rural banks (RRBs) has been followed to allow credit to agricultural sector. The information required for the study has been collected from the secondary sources. Average and percentage analysis was carried out to draw meaningful interpretation of the results. In the present study, it has been found that the institutional credit to agriculture in real terms has increased tremendously during the past four decades.