摘要：Agriculture credit is one of the pre-requisites for farmers to increase the agricultural output in the process of agricultural development of a country. The investment characteristics of the Indian rural credit system is dualism where both formal (institutional) and informal (non-institutional) sectors co-exist (Umesh, 2000). The formal sector consists of commercial, co-operative banks and Regional Rural Banks. The informal sector consists of traders, merchants, contractors, commission agents, local moneylenders. The total flow of agricultural credit from the institutional agencies had increased from Rs.885.16 crore in 1950-1951 to 1,17,899 crore in 2005-2006 (Economic
