Abstract
This article delves into the intricate landscape of agricultural credit in Telangana, emphasizing its pivotal role in driving rural prosperity and sustainable development. Through a comprehensive analysis, it examines the eligibility criteria, components, and significance of crop loans, alongside the implementation and impact of the Crop Loan Waiver Scheme. Furthermore, it elucidates the crucial role played by the State Level Bankers Committee (SLBC) in coordinating credit allocation and fostering collaboration among stakeholders. Despite the advantages offered by agricultural credit schemes, challenges persist, including implementation effectiveness and disparities in credit access among vulnerable groups. Drawing on findings, the article proposes actionable suggestions to enhance the efficiency, inclusivity, and sustainability of agricultural credit initiatives in Telangana, emphasizing the importance of targeted interventions and farmer-centric policies for fostering holistic agricultural development and uplifting rural communities.
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