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Bank Credit and Complication of Farmers in Ariyalur and Tirunelveli of Tamil Nadu

Kaliappan Murugan*

Farming credit is one the fundamental sources to the farmers in the country for the seven decades. Commercial banks, co-operative banks and other financial institutions are providing short-term and long-term farm credit to the famers. There are lots of challenges faced by the bank staffs and farmers while the processing of the farm loan in the country. There are lots of problems there in the farm loan. Government of India has disbursed more loans for agriculture more than targeted level still the prevalence of non-institutional credit, which eventually imposed huge sufferings of the farmers. The objective of the paper is to the accessibility and constraints faced by the farmers in accessing bank credit in Ariyalur and Tirunelveli districts of Tamil Nadu. The paper is divided into five sections. The first section is introductory in nature; which is the background, objectives of the study. The second section discusses the review of literature. The third section deals with research methods. The fourth section analyses the constraints of farm credit and co-operative bank and commercial banks in Tamil Nadu. Lastly provides the concluding remarks.