Understanding Agricultural Financing Methods and Systems
Explore key aspects of crop loan systems, scale of finance estimation, and Kisan Credit Cards in agriculture. Learn about the twin objectives of crop loans, factors influencing the scale of finance, and the functions of Kisan Credit Cards for farmers. Discover how these financial mechanisms support agricultural activities and enhance farmers' access to credit facilities.
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Presentation Transcript
LECTURE PREPARED BY - Dr. J P Singh Associate Professor (SGRRU, Dehradun ) DEPARTMENT of AGRICULTURE SHRI GURU RAMRAI UNIVERSITY, DEHRADUN UTTARAKHAND
Outline Crop loan system Scale of finance estimation Term loan Kisan Credit Card
Crop Loan System The twin objectives of crop loan system are: Treating the crop as security instead of immovable property like land. Fixing the scale of finance depending up on the actual fram expenditure. Salient features of the crop loan system Credit requirements of the farmers are to be estimated. Eligibility to receive the loan by the farmer is not measured by the ownership. Crop loans should be advanced on the hypothecation of the crop. Disbursement and recovery of the loans are to be made in accordance with the crop production schedule. Loans should include both crash and kind components.
Scale Of Finance It is an indicative cost taken as base cost depending on which the amount to financed to a farmer is fixed. Factor influencing the scale of finance: Type of the crop Nature of the crop Season Type of land District/Area
Kisan Credit Card (KCC) Functions- KCC aims at adequate and timely support from the banking system to the farmers. The farmers would be issued a credit card cum pass book incorporating the name and other details. Credit limit on the card may be fixed on the basis of operational holding. The KCC should normally valid up to 3 years and subject to animal review.
Thank you Prepared By - Dr. J P SINGH ASSOCIATE PROFESSOR DEPARTMENT OF AGRICULTURE AND AGRONOMY
