Constraints Faced by the Farmers in the Utilization of Kisan Credit Card

The present investigation was carried out during the year 2009, to find out the constraints faced by the farmers in the utilization of Kisan Credit Card this study was conducted in two purposively selected block of Raipur district of Chhattisgarh state with 120 Kisan Credit Card (KCC) holders. The study was confined within one district covering only two blocks and two village co-operative branches. The small size of an area is a major limitation of the study. The results revealed that Majority of the respondents (87.60%) reported that the quality of fertilizer provided as kind loan under KCC is not up to the mark, is one of the major constraints in the utilization of KCC. More than two-third of the respondents reported that loan limit is inadequate (81.66%), lack of knowledge about the claim of crop insurance (79.16%) and paper quality of KCC is not durable (72.50%) were some other major constraints in the utilization of KCC. More than 75 percent of the respondents suggested that the good quality of fertilizer should be provided on time by banks through KCC as kind loan and loan limit should be increased for better utilization of KCC loan. Majority of the respondents were of the opinion that KCC should be plastic coated (68.33%), 100% loan should be provided as cash (67.50%), requirement of no-dues certificate from the other banks for released of loan under KCC should be relaxed (59.17%), crop insurance premium and security amount should be waved off or deposited by government (56.67%) and KCC should be made for multipurpose use (55%).