Name: P Manjula
Country: India

Year: 2025
Volume: Volume No: 12, Issue No: 2, Year: 2025 (Special Issue-2)
Page Number: 111-116
DOI: https://doi.org/10.5281/zenodo.17722466

ABSTRACT
Agriculture remains the backbone of the Indian economy, providing livelihood to nearly twothirds of the population and contributing significantly to GDP. Given the challenges of
increasing productivity with limited land, financial support through agricultural credit has
become essential. This study focuses on the role of Canara Bank in delivering agricultural
credit in Sathenahalli village, Karnataka, and examines its impact on rural farmers.The
research highlights the necessity of credit for modern farming—covering inputs like seeds,
fertilizers, irrigation, and equipment—and the critical role of institutional credit in reducing
dependence on non-institutional sources. It also explores issues such as limited access to
credit for marginal farmers, high interest rates, and insufficient awareness. A gap in existing
literature regarding Canara Bank’s specific role in Sathenahalli prompted this case study.
Using both primary data (through questionnaires) and secondary sources (research papers,
reports, and online data), the study analyzes the socio-economic conditions of farmers and
evaluates the efficiency of credit facilities. The findings emphasize the need for improved
financial literacy, streamlined loan processes, and inclusive lending policies to strengthen
rural development and agricultural productivity.
Keywords: Agricultural credit, Rural finance, Canara Bank.