Authors : G. Vigneshwaran; Dr. K. Ravichandran

Volume/Issue : Volume 11 - 2026, Issue 4 - April

Google Scholar : https://tinyurl.com/2w4s2rc6

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DOI : https://doi.org/10.38124/ijisrt/26apr144

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Abstract : This study examines the inter-state performance of medium-term loans issued by Primary Agricultural Cooperative Credit Societies (PACCS) in India during the period 2014-2023. Medium-term credit plays a vital role in supporting Agricultural investment activities such as land development, purchase of machinery, irrigation facilities, and allied activities. The analysis is based on secondary data obtained from the National Federation of State Cooperative Bank Ltd. The states are classified into high, medium, low and nil/irregular performance categories based on the level and consistency of loan disbursement. The findings reveal significant regional disparities in credit performance, primarily influenced by institutional strength, recovery performance, the financial capacity of Cooperative banks, state government support, and the level of Agricultural Commercialisation. Temporary disruptions such as administrative restructuring and the COVID-19 pandemic also affected credit patterns in certain states. The study highlights the need to strengthen Cooperative Credit institutions and improve operational efficiency to ensure balanced Agricultural Credit development across India.

Keywords : PACCS, Agricultural Finance, Inter-State Analysis, Rural Development India.

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