Vol. 7, Issue 7, Part A (2025)

The main goal of this work is to the distribution of different types of agricultural credit across various categories of farmers in Raipur district (Chhattisgarh) and to suggest policy directives for financial institutions. The analysis reveals significant disparities in credit access and utilization among marginal, small, medium and large farmers. Analyses were conducted on types of loan, Reasons of Agri. Loan borrowing, share of different crops in crop loan, Distribution of term loan, Issues related to agriculture credit. A multi-stage random sampling procedure was followed for selecting the sample of borrower farmers. The data was obtained utilising the personal interview approach after the research design and interview schedule were finalised. Marginal and small farmers borrow only short term and medium-term loans but medium and large farmers borrow all types of loans (Short term, medium term and long-term loan). The farmers were habituated to purchase seeds with most of the available Agricultural loan. Majority of the agricultural loan borrowing farmers borrow loan for paddy and wheat cultivation. The loan for purchasing tractor was found to be larger amount in study area. These loans are given against security. Study reveals that the most severe issue faced by the farmers while taking loans was Bank has more rules and regulation.