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VOL. 7, ISSUE 2 (2025)
Impact analysis of kisan credit card scheme: A comparative study of Punjab and Haryana
Authors
Kavita Devi, Dr. Kuldeep Singh
Abstract
The present investigation was carried out
during the year 2021-22, in two purposively selected Mansa district of Punjab
state and Sirsa district of Haryana state. Since the implementation of the
financial reforms, India's agricultural sector has received much more funding.
In order to direct funding to rural parts of the nation so that farmers may get
enough credit, the government and RBI have launched a number of plans and
programmers. Its primary goal was to establish the Kisan Credit Card Scheme by
drawing attention to the need for innovative financial tools to assist farmers.
In 1998 following the committee's suggestions, the Shri R.V. Gupta initiative
has underway. The study was undertaken to evaluate the impact of Kisan Credit
Card Scheme on farm economy. This study is based on primary survey and data was
collected from 240 farmers by personal interview from the study area. The study
represents an attempt to ascertain the effects of KCC schemes on a variety of
farm economy elements, such as cost and returns, productivity and production of
beneficiary farmers in rice and wheat crops in Punjab and Haryana. The results
of this study found that KCC programs have a positive effect on agricultural
productivity and production in Punjab and Haryana for the two crops that were
chosen. While in both states, wheat crops were shown to have higher
productivity and production than rice crops. Furthermore, the findings of the
study revealed that the credit offered under the KCC system was insufficient
because there was a larger credit gap for the rice crop than wheat crop. The
study showed that, on average, net returns for both KCC recipients and
non-recipients were found to be negative, suggesting that there may be a
financial shortfall in the cultivation of rice and wheat.
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Pages:179-183
How to cite this article:
Kavita Devi, Dr. Kuldeep Singh "Impact analysis of kisan credit card scheme: A comparative study of Punjab and Haryana". International Journal of Social Research and Development, Vol 7, Issue 2, 2025, Pages 179-183
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