A Study on Financing of Agriculture by Selected Banks of Odisha

Abstract

Agricultural finance represents a crucial facet of the annual distribution of loans and advances by commercial banks to the agricultural sector. This study delves into the intricate landscape of commercial banks' involvement in agricultural credit, seeking to identify the beneficiaries and assess the far-reaching impact on both bank finances and the farmers     availing these loans. Through a comprehensive examination, this research illuminates the patterns governing financial allocations by commercial banks to the agricultural sector. Despite the evident importance of agricultural credit, this study unveils a hesitancy within the banking system, particularly in extending financial support to small and marginal farmers. The study not only examines the financial dimensions but also unravels into the attitudes of bankers and co-operative banks, contributing a holistic view of the agricultural credit landscape. This research draws upon both primary and secondary sources to provide a nuanced understanding of the challenges and opportunities within agricultural finance. By shedding light on the intricate interplay of factors shaping the sector, the study aims to inform policymakers, financial institutions, and stakeholders about the current state of agricultural finance.