Vol. 8, Issue 11 (2019)

Author(s):
Laxmi Bagh and MR Chandrakar

Abstract:
An evaluation is presented of a Comparative Study of Kisan Credit Card Scheme among KCC and Non- KCC Users in Bilaspur District of Chhattisgarh. The specific objectives of the study were to work out the compound growth rate of Kisan Credit Cards users in Bilaspur district. Bilha block was selected purposively for study. In Bilha block, four villages were selected randomly and 5 farmers each comprising of KCC users and non-KCC users respectively was selected to form a total sample size of 40 respondents. The findings of the study revealed that the total coverage of KCC in Chhattisgarh was 50.61 per cent. Balod district covered highest 95.50 per cent and Jaspur district covered lowest 6.76 per cent. Bilaspur district covered 20.40 per cent. At the start of KCC scheme in 1998-99 interest rate was 13.5 per cent which decreased to 1 per cent in 2014-15. Cash and kind ratio was 40:60 per cent in 1998-99 which changed to 60:40 per cent in 2014-15. The loan amount for paddy increased from Rs. 8525 to 25000 per hectare in 2014-15. The, maximum credit limit changed from Rs. 1 lakh to 5 lakh. The compound growth rate for issuing KCC was found to be 41.02 per cent and for loan distribution was 39.26 per cent in Bilaspur district from 2004-2005 to 2013-14.