Abstract
The Kisan Credit Card (KCC) scheme implemented for fulfilling the short term credit need of farmers was assessed for its impact on basmati rice production in RS Pura block of Jammu district. The total cost of basmati rice cultivation was found to be higher in case of KCC beneficiaries by 5.78% as compared to non-KCC beneficiaries. The productivity, net profit, farm business income, farm labour income of basmati rice was also higher in case of KCC beneficiaries by 3.73, 7.95, 6.89 and 8.29% respectively as compared to non-KCC beneficiaries. The cost of three inputs of basmati rice namely; seed, labour and machinery had significant difference between farms of KCC and non-KCC beneficiaries. The total cost of basmati rice after drawing and using credit under KCC increased by 26.37%, whereas the productivity and net profit increased by 5.78 and 116.79% respectively. The results indicate significant improvement in expenditure on input use, yield and profitability of basmati rice after use of credit under KCC scheme.
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