Utilization Pattern of Kisan Credit Card (KCC) in Baghpat district of Uttar Pradesh

Abstract

The Kisan Credit Card scheme introduced in the year 1998 with the objective of fulfillment of credit requirement of the farmers in hassle-free manner for raising agricultural production. There has been tremendous increase in number of Kisan Credit Cards in the rural areas during the last five years. Keeping the importance of KCC, the present study was an attempt to assess utility of KCC as perceived by the farmers. The present investigation was carried out in Baghpat district of Utter Pradesh state with a sample of 120 farmers. The study revealed that the utilization of Kisan Credit Card (KCC) by the respondents was observed as maximum in the aspect i.e. increase in agricultural produce followed by increase in income, crop production activities, utilization of credit for vegetable production and allied activities and duration of utilizing credit. it was also found that Utilization of KCC was considerable low in the respect of the components as utilization for crop insurance, change in cropping pattern and diversified farming. The study suggests that Contingent planning for adverse climatic condition should be communicated to farmers well in advance. With a view to enhance the adoption of improved crop production technologies among the farmer’s awareness and training programmes should be conducted in the regard.