Agricultural Credit Architecture

Agricultural credit architecture refers to the institutional framework and financial mechanisms that ensure timely, affordable, and adequate credit flow to farmers and allied sectors, supporting agricultural production, investment, and income stability in India.

Background

  • Post-1969 nationalization, India adopted a "Multi-Agency Approach." This was followed by the establishment of RRBs (1975) and NABARD (1982).
  • The Kisan Credit Card (1998) revolutionized short-term credit, and in 2019, it was extended to include Animal Husbandry and Fisheries.

Key Beneficiaries

  • Small and marginal farmers
  • Tenant farmers and sharecroppers
  • Farmer Producer Organisations (FPOs)
  • Self-Help Group (SHG) members
  • Agri-entrepreneurs and rural households

Recent Developments

  • KCC Limit Enhancement (Budget 2025-26): The ....
Do You Want to Read More?
Subscribe Now
To get access to detailed content
Buy February 2026 Issue

Already a Member? Login here

Take Annual Subscription and get the following Advantage
The annual members of the Civil Services Chronicle can read the monthly content of the magazine as well as the Chronicle magazine archives.
Readers can study all the material before the last six months of the Civil Services Chronicle monthly issue in the form of Chronicle magazine archives.
Be an Annual Subscriber

Related Content

Indian Economy & Socio-economic Development