Analysis of Agricultural Credit of District Central Cooperative Bank Anuppur: with Special References to long Term Agricultural Credit

Economy of India is accepted as agrarian economy. According to 2011 Census 68.84% of the population still lives in rural areas and them a inoccupation of rural population is agriculture. With the present time, due to increasing use of modern technology in the agricultural sector, financial assistance is becoming more needed in the agricultural sector and the farmers need financial assistance from many banks, societies and other firms. In this context cooperative banks have played a special role in solving the financial need so farmers and the cooperative banking structure plays a pivotal role in distribution of credit to both farm and non-farm in the country. Co-operative credit in the country is mainly classified on the basis of three levels in which the state level (Apex), district level (DCCB) and block level (PACS), this paper is an attempt to analyze long-term agricultural credit distribution, recoveries and scheme wise performance of agricultural credit of District Central Co-operative Bank Anuppur. This study is based on secondary data and analyze the financial performance of the district central co-operative bank Anuppur also examined the financial sources and agricultural credit growth rate during the study periods. The analysis has been done with some statistical tools like correlation, regression and trend analysis. In this study, we found that district central co-operative bank Anuppur has provided agricultural credits for agricultural activities like land reform, horticulture and heavy agricultural instruments and machines in which loan sectioned amount is increasing but distributed agricultural credit amount is not sufficient in quantity as per the requirements of the farmers, so the co-operative banks should take special measures for improving the agricultural credits.