Loading article...
Loading article...
Stream/Area:
-
Subject:
-
Paper ID:
IJSREM62066
Volume:
10 |
4 |
April 2026
Pages:
1--
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Dept. Of Commerce & Management
Jayoti Vidyapeeth Women’s University , Jaipur, Rajasthan, India.
Dept. Of Commerce & Management
Jayoti Vidyapeeth Women’s University , Jaipur, Rajasthan, India.
Rajasthan is the largest state in India in terms of area where agriculture is not only the backbone of the economy but also the basis of the fabric of socio-economic life. Although the geographical form here has been challenging for agriculture which is also called the gamble of monsoon. Yet agriculture has made a very significant contribution to both the economy of Rajasthan and the Indian economy. Liquidity of capital has always been a major challenge in the agricultural sector as well as in other economic sectors. Kisan Credit Card (KCC) has become a "financial shield." KCC has proved to be a revolutionary step in Indian agriculture. This reduced the dependence of farmers on sources of credit from money lenders, middlemen, middlemen, where interest rates were very high. It was an important initiative taken by the Government of India to financially empower the farmers and to free them from the clutches of interest. The Kisan Credit Card Scheme was launched in August 1998, the framework of which was prepared by NABARD based on the recommendation of the R. V. Gupta Committee. Its main objective is to provide adequate and timely credit to the farmers from the banking systems under a single window for farming related work. It provides loans for short term, post-harvest expenses, maintenance of agricultural assets and contingency expenses to meet the financial needs of farmers. In states like Rajasthan, where agrarian uncertainty prevails. Chittorgarh, the capital of the Mewar region, is known for high-investment crops (soybean, opium, cotton), because of its' black loamy soil '. The Rashmi block, located in the command area of the Banas river and the Matrikundia dam, is a micro-economic zone where water scarcity and ease of credit have commercialised agriculture. In this study, social and economic aspects have been analyzed.
KEYWORDS
Chittorgarh's Rashmi block is a 'success model' in the agro-financial scenario of Rajasthan. Here, KCC has not only given loans to farmers but has also motivated them to buy better breed animals and new technology (chiselling). The main recommendations: Clusters of cotton on the zodiac: The 'size finance' earmarked specifically for the cotton crop should be increased by 20%. Digital e-Mitra platform: Each Gram Panchayat has a specific banking associate who helps elderly farmers in net renewal. Soil health and financial status: To save farmers from buying unnecessary fertilizers, the credit limit will be linked to the Soil Health Card.
Government Reports and Official Documents (Primary Sources) 1.Government of India (2023) Ministry of Agriculture and Farmers Welfare, Annual Report 2022-23. New Delhi: the publishing department. 2. Nabard (2020) Rajasthan State Focus Paper: strengthening of the rural economy. Regional Office, Jaipur. 3.Directorate of Economics and Statistics (2023) District Statistical Outline - Chittorgarh. Government of Rajasthan, Jaipur. 4.Reserve Bank of India (2021) Master Circular on Short-Term Agricultural Credit and Interest Subvention Scheme. Mumbai: the RBI press. Books and research articles (secondary sources) 1.Verma, S. (2021) Cooperation in Digital India and Rajasthan: an analysis. Jaipur. Rajasthan Hindi Granth Academy. 2.Sharma, R. K., & Gupta, P. (2018) "Impact of financial inclusion through Kisan Credit Card in Rajasthan," Indian Journal of Agricultural Economics, Vol 73 (2) pp. 45-58. 3.Chaudhary, M.L. (2019) Indian Rural Banking and Agricultural Finance. New Delhi: Sultan Chand and Sons. 4. Singh, D. (2022) "Economics of Cotton Cultivation and Credit Availability in Mewar Region," Agro-Economics Review, Volume 12, pp. 112-125. Digital and Web-Resources 1.Raj Sahakar Portal (2024) Online crop loan disbursement process and data. Available at rajsahakar.rajasthan.gov.in. 2.PM Fasal Bima Yojana (PMFBY) Guidelines and coverage report of Chittorgarh district. Obtained from pmfby.gov.in.
Publication Date
4/30/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
Documents
Article Views
0
Total views since publication
PDF Downloads
4
Total downloads since publication
Geographic Reach
5
Digital Preservation: This article is permanently archived on Zenodo and complies with all data preservation standards across major indexing platforms.
Plagiarism Screening
This manuscript has been checked for plagiarism using TurnitinPlagiarismChecker software.
Conflict of Interest
The authors declare no conflict of interest related to this research work.
Funding Information
No funding information available for this research.
Related research in the same subject area
Loading similar articles...