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VOL. 8, ISSUE 1 (2026)
The impact of Public Sector Banks on small and marginal farmer’s credit access and financial inclusion
Authors
Vasudeva D M
Abstract
Access to agricultural loans and financial
inclusion are crucial for the socioeconomic advancement of India's small and
marginal farmers. Particularly through programs like the Kisan Credit Card
(KCC), Public Sector Banks (PSBs) are essential in offering credit at
reasonable rates. The purpose of this study is to examine how PSBs help small
and marginal farmers obtain financing and advance financial inclusion. The
Autoregressive Distributed Lag (ARDL) model is used to evaluate secondary data
from 2013–14 to 2023–24 in order to look at both short- and long-term
relationships. The CUSUM test is used to verify that the model is stable. The
findings show that KCC coverage and PSB lending greatly increase farmers'
access to credit. To further empower farmers, the report recommends increasing
credit facilities, streamlining KCC procedures, fortifying digital banking
infrastructure, and keeping an eye on how agricultural loans are being used.
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Pages:46-49
How to cite this article:
Vasudeva D M "The impact of Public Sector Banks on small and marginal farmer’s credit access and financial inclusion". International Journal of Commerce and Economics, Vol 8, Issue 1, 2026, Pages 46-49
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