A Study of Agriculture Loan and Various Agriculture Scheme Provide by Amravati District Central Cooperative Bank

Agriculture is an important part of the Indian economy and supports the livelihood of a large rural population. Farmers require timely and affordable credit to meet expenses related to seeds, fertilizers, irrigation, machinery, and other farming activities. Cooperative banks play a major role in providing institutional credit to farmers, especially small and marginal farmers, due to their strong presence in rural areas and farmer-friendly approach. The Amravati District Central Co-operative Bank (ADCC Bank) is a key cooperative banking institution in Maharashtra that provides agricultural loans and implements various agricultural schemes for the benefit of farmers. The bank offers short-term crop loans, medium-term loans, long-term development loans, and loans for allied activities such as dairy and poultry. It also implements government-supported schemes like the Kisan Credit Card (KCC), Interest Subvention Scheme, Pradhan Mantri Fasal Bima Yojana, and NABARD refinance schemes. The main objective of this study Is to examine the agricultural loan system and agricultural schemes provided by ADCC Bank and to understand their impact on agricultural productivity and the socio-economic condition of farmers in Amravati district. The study also identifies the challenges faced by farmers in accessing loans and the operational issues faced by the bank. The findings reveal that cooperative banks contribute significantly to rural development by improving access to formal credit. However, issues such as lack of awareness, procedural delays, repayment difficulties, and climatic risks affect the effectiveness of agricultural credit. The study suggests that improving farmer awareness, simplifying loan procedures, and ensuring timely credit disbursement can strengthen agricultural development.