It is well known that institutional agencies have made significant progress in meeting the credit needs of the farmers. However, non-repayment of bank loans is causing a serious threat to the successful development of banking system. Non-repayment of bank loans not only limits the recycling of the funds but also adversely affects the profitability and viability of banks. The present study is confined to hundred borrowers farmers comprises of 25 each for marginal, small, medium, and large farmers respectively, selected from five villages of the Ravtipur Block of Ghazipur district in Eastern Uttar Pradesh. The study has measured the influence of different factors responsible for over dues of the borrowers. The results show that different factors like caste, educational status, per capita farm and non-farm income, operational size of holding significantly influence the repayment capacity of the farmers.