Abstract
Despite concerted efforts on the part of the Government,
the supply of credit still lags much behind than the demand.
Even under existing situation, the credit facilities provided by
different institutions are not fully availed by the farmers particularly by the smaller ones. The study was conducted in order to know the causative factors. The analysis made in this
regard revealed that provision of security, heavy transactional
cost, time lag, and procedural difficulties were the major constraints in the flow of agricultural credit.
