Abstract            Volume:7  Issue-1  Year-2019         Original Research Articles

Online ISSN : 2347 - 3215 Issues : 12 per year Publisher : Excellent Publishers Email : editorijcret@gmail.com

The institutional agriculture finance has been important role play in agricultural development of India. in supply of institutional finance to agriculture many number of institutional agencies are involved in India, for the present study we have selected only of three Institutional agencies and they contribute such as Schedule Commercial Banks (76%), Co-operative Banks (13%) and Regional Rural Banks (11%) it signifies that there is an increasing trend in institutional agriculture finance in India. The present study has reveals that the pattern, structure and the importance of institutional agriculture finance India. Institutional Agriculture credit has essentiality in purchase of improved seeds (such as HYVs), for adoption of new technology, land development, to have better and safe transportation, to have cold storage facility where has it helps the farmers to sale when prices of agricultural commodity is rise in the market. The quantum of loan avail to farmers that will affect the production and quality produce of agriculture. The present study suggested that instead of providing waive off of loan to farmers we have to provide essential perquisites to them such as Minimum Support Price, Storage facility, improved seeds and new technology, and we need to enhance the agricultural finance for keep sustainability of farmers as well as farmers due to now a day’s agriculture is becoming no profitable area and agricultural farmers are becoming agriculture labors through sale of their land because they considered that it not profitability activity, in this situation the Government has to come forward and brought new policies like direct beneficiary schemes for effective reach of agricultural finance to the peasants. the farming community must be kept informed about various sources of institutional agriculture finance avail in different schemes and lastly The study has suggested simplification of the legal and regulatory procedures are liberal to access agriculture finance to the farming community because most of the farmers are illiterate.

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