Despite growing levels of agriculture credit, small farmers still lack access to it. What are the reasons for it. Suggest the measures to deal with the issue. 10 marks

Mentor’s comment-
  • In the intro, mention the rising levels of agri-credit over the years.
  • In the body, mention how agriculture credit has been increasing over the years- from ₹4.75-lakh crore in 2011-12 to the target of ₹15-lakh crore in 2020-21 with an allocated subsidy of ₹21,175 crore. Next, mention the exclusion of small and marginal farmers due to irregularity by banks, loopholes in the definition of farmers etc. In the measures, suggest the direct income support to the farmers.
  • Conclude by mentioning the need to increase the reach of credit at reasonable rate to small farmers to help them
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