Agriculture is the main source of livelihood for the majority of the people of India despite rigorous industrialization in the last six decades. Agriculture and allied sector is the major contributor to the India’s national income, therefore, it s said that agriculture is the backbone of the Nation. Although

great development took place in the field of agriculture in the form of green revolution during the last few decades in India but, it was limited to few areas and to a few crops. In fact, Indian agriculture is associated with lots of limitations and problems and lack of access to credit facility is one of the most important. Lacks of access to the credit facilities hamper rural population, especially the weaker section, from growth and prosperity. To overcome with the problem associated with the accessibility of rural credit, organized segment constituted by cooperative banks, regional rural banks, commercial banks, and non-banking financial companies need to establish appropriate procedures and processes. Rural credit is not only the critical input in agriculture but also an effective means for overall development of rural economy. It serves as a tool f