Abstract            Volume:7  Issue-2  Year-2019         Original Research Articles

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

In this research paper researchers focused on; agricultural credit in Karnataka; a case study of Primary Agricultural Credit Societies, flow of short term, medium term and long term agriculture credit of PACS, the essentiality of Kisan Credit Card and credit initiatives to Self Groups Schemes for agriculture purpose. agricultural credit supply in many terms such as Institutional and Non-Institutional In a developing economy like ours Agriculture Credit assumes greater significance on account of the fact that it is a critical input to support and sustain crop production as well as farmers. The situation calls for concerted efforts to augment the flow of credit to agriculture, alongside exploring new innovations in product design and methods of delivery, through better use of technology and related processes. This study analyze that flow of agriculture credit from various institution such as NABARD, APEX Bank, DCC Banks, PACS own fund and Commercial Banks are major institutions in supply of agriculture credit and DCC Banks is one having 36.43% in supply of credit to agriculture in Karnataka. The study reveals that KCC Cards issued to farmers of 24,46,970 has been distributed aims at timely and cost effective manner of agriculture credit and it’s good to see that now a day’s SHGs targeted to provide agriculture credit and also achieve more than its target. The policy recommended that Govt. has to create awareness among the farmers to avail institutional agriculture credit, availability of loan through KCC Cards and SHGs timely and cost effective manner.

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