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Journal of Information and Optimization Sciences cover
Open Access ·Peer-reviewed·ISSN (Online): 2169-0103·ISSN (Print): 0252-2667

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Monthly Journal: Publishes theoretical and applied research on topics in information and optimization sciences.

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Open Access Research Article

Impact of credit on agricultural gowth : Evidences from the States of India

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pp. 2707–2718Vol. 46Issue 8November 2025DOI: 10.47974/JIOS-2092XML
Received:
05 Feb 2025
Published Online:
29 Nov 2025
Article type:
Research Article
Language:
EN
Article no.:
JIOS-2092
Pages:
2707–2718

Abstract

The role of formal credit institutions has been crucial in fostering agricultural growth in India. This research paper examines the impact of credit disbursed by Scheduled Commercial Banks (SCBs) on the agricultural sector’s development. Using state-wise temporal and spatial data spanning from 2004-05 to 2021-22, the study analyzes the distribution of agricultural credit, its correlation with agricultural GDP, and the elasticity of credit in driving growth. Despite an overall increase in agricultural credit, significant regional disparities remain, affecting the efficiency of credit policies and agricultural advancement.  The study underscores the need for targeted policy interventions to address regional imbalances and promote equitable access to financial resources. It recommends enhancing financial support mechanisms, improving credit accessibility, and customizing policies to suit the specific agricultural requirements of each state to achieve sustained agricultural development in India.

Keywords

Subject Classifications

91B62

References

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