This document discusses rural development and rural credit in India. It outlines that rural development includes human resource development through education and skills training, land reforms, developing local resources and infrastructure, and poverty alleviation programs. It also emphasizes the importance of rural credit for farmers, as credit is needed to purchase supplies and meet living expenses. The sources of rural credit discussed include informal sources like money lenders, as well as formal sources like commercial banks, cooperative societies, and regional rural banks, each of which provide loans but also have some limitations.