Abstract
To provide timely and adequate credit to the farmers in a cost-effective and flexible manner, the Kisan Credit Card (KCC) Scheme was introduced in 1998–99. The present study has analysed the efficiency of KCC scheme in the Bellary district of Karnataka among the designated financial institutions. The efficiency of KCC scheme has been estimated by two approaches: (i) cost of credit approach, and (ii) number of KCC cards renewed. The study has revealed that the cost as percentage of loan amount was higher in borrowing from commercial banks (8.54%) than from co-operative banks (2.81%). There is not much difference in the number of KCCs renewed and the percentage of recovered amount in both the financial institutions.
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