1) The document reports on a study of rural credit sources in Baghpat district, Uttar Pradesh. It aims to analyze the socio-economic profile of borrowers, identify sources of rural credit, and examine government credit schemes. 2) The research methodology involved selecting two blocks and two villages from Baghpat district for data collection. Most borrowers had small landholdings between 0-2 hectares. Literacy levels were around 66% overall. 3) The main findings were that 66% of borrowers took loans from government banks, 14% from money lenders, and 20% from relatives. Institutional credit from banks was the primary source of credit to meet agricultural needs.

2. JVC BARAUT BAGHPAT (UP)DEPARTMENT OF AGRICULTURAL ECONOMICS
Submitted By:
Siddharth Bharti
M.Sc(Ag.) Agril. Economics
RJ1700046725
Submitted To:
Dr. Arun Solanki
Assoc. Prof. & H.O.D.
“AN INQUIRY INTO THE SOURCE OF RURAL
CREDIT IN DISTRICT BAGHPAT (U.P.)”

3. INTRODUCTION
 OBJECTIVES
 RESEARCH METHODOLOGY
 RESULTS & DISCUSSION
 CONCLUSION
JVC BARAUT BAGHPAT (UP)DEPARTMENT OF AGRICULTURAL ECONOMICS

4. INTRODUCTION
Finance in agriculture is as important as other inputs being used in
agricultural production. Technical inputs can be purchased and used by a farmer only
if he has money (funds). But his own money is always inadequate and he needs outside
finance or credit. Agricultural finance capitalizes farmers to undertake new
investments and/or adopt new technologies. The importance of agricultural credit is
further reinforced by the unique role of Indian agriculture in the macroeconomic
framework along with its significant role in poverty alleviation.
DEPARTMENT OF AGRICULTURAL ECONOMICS JVC BARAUT BAGHPAT (UP)

5. 1) To study the socio-economic profile of the selected Borrowers in the selected
study area.
2) To identify the different sources of rural credit in the selected study area.
3) To analyze the Government scheme related to rural credit.
JVC BARAUT BAGHPAT (UP)
OBJECTIVES
DEPARTMENT OF AGRICULTURAL ECONOMICS

6. JVC BARAUT BAGHPAT (UP)
Research Methodology
The district Baghpat is purposely selected for this study because of this
district mainly has agricultural-based economy.
Out of the 6 blocks in Baghpat district two blocks namely, Binauli and
Chhaprauli were selected randomly for the study purpose.
Two villages namely Chirchita from Binauli Block and Kakripur from
Chhaprauli were selected for the Study purpose.
DEPARTMENT OF AGRICULTURAL ECONOMICS

8. JVC BARAUT BAGHPAT (UP)
S.N
Category
(Land in
hectare size)
Number of
Borrowers
Total Area
Average Size of
landholding (in hectare)
1 0-2 47 23.84 0.50
2 2-4 03 06.96 2.32
Total 50 30.80 0.62
Table shows that the average size of holding of selected borrowers
came to 0.62 hectare which varied from 0.50 hectares to 2.32 hectares.
Classification of selected borrowers according to
the size of landholding
DEPARTMENT OF AGRICULTURAL ECONOMICS

9. JVC BARAUT BAGHPAT (UP)
S.N Category
No. of
Borrowers
Male Female Over all
1 0-2 45 2.82 2.15 4.97
2 2-4 03 3.00 2.67 5.67
3 4-6 02 5.50 4.00 9.50
TOTAL 50 3.77 2.94 6.71
Family size of selected borrowers in study area
The above table indicates that family size of selected Borrowers The
average size of family varies from 4.97 persons to 9.50 per family. The highest family
size was on 4-6 category size group i.e. 9.50 persons per family and lowest family size
was on 0-2 category size group i.e. 4.97 persons per family.
DEPARTMENT OF AGRICULTURAL ECONOMICS

10. JVC BARAUT BAGHPAT (UP)
S.N CATEGORY
NO.OF
BORROWERS
LITIRATE
TOTAL
LITERATE
ILLITERATEHIGH
SCHOOL
INTERMEDIATE GRADUATION
1 0-2 45 8(17.77) 14(31.11) 8(17.77) 30(66.65) 15(33.33)
2 2-4 03 3(100.00) 00 00 03(100.00) 00
3 4-6 02 00 00 00 00 02(100.00)
TOTAL 50 11(22.00) 14(28.00) 8(16.00) 33(66.00) 17(34.00)
Table show that out of the total selected farmer 66 percent was literate while to
34 percent non literate, highest literate was in 0-2 Category size group 66.65 percent given
while in 4-6 size total non literate .
Education status of family head of the selected
borrowers in the study area
DEPARTMENT OF AGRICULTURAL ECONOMICS

11. JVC BARAUT BAGHPAT (UP)
S.N Category
No. Of
Borrowers
Source of credit
Banks
Money
Lenders
Relatives
1 0-2 45 28(62.22) 7(15.55) 10(22.22)
2 2-4 03 3(100.00) 00 00
3 4-6 02 2(100.00) 00 00
TOTAL 50 33(66.00) 7(14.00) 10(20.00)
Source of credit selected borrowers in the
study area
Table show that out of the total farmer 62.22 percent take loan from
govt. banks while 15.55 percent loan has money lenders. It is clear that most of
the farmers prefer banks for loan purpose.
DEPARTMENT OF AGRICULTURAL ECONOMICS

12. JVC BARAUT BAGHPAT (UP)
Conclusion
It May be concluded from the Present that most of the borrowers
in the Study area had institutional credit for their credit need.
DEPARTMENT OF AGRICULTURAL ECONOMICS

13. JVC BARAUT BAGHPAT (UP)DEPARTMENT OF AGRICULTURAL ECONOMICS