performance evaluation of kisan credit card scheme in guntur district of andhra pradesh

148 Pages·2016·2.73 MB·English

PERFORMANCE EVALUATION OF
KISAN CREDIT CARD SCHEME
IN GUNTUR DISTRICT OF
ANDHRA PRADESH

By
KK.. JJ.. VV.. KKUUMMAARRII SSIIRRIISSHHAA
B.Sc. (Ag.)

THESIS SUBMITTED TO
ACHARYA N.G.RANGA AGRICULTURAL UNIVERSITY
IN PARTIAL FULFILLMENT OF THE REQUIREMENTS
FOR THE AWARD OF THE DEGREE OF

MASTER OF SCIENCE IN AGRICULTURE
(AGRICULTURAL ECONOMICS)
CHAIRPERSON: Dr. G. RAGHUNADHA REDDY

DEPARTMENT OF AGRICULTURAL ECONOMICS
AGRICULTURAL COLLEGE, BAPATLA- 522 101.
ACHARYA N.G. RANGA AGRICULTURAL UNIVERSITY

2014
CERTIFICATE
This is to certify that the thesis entitled “PERFORMANCE
EVALUATION OF KISAN CREDIT CARD SCHEME IN GUNTUR
DISTRICT OF ANDHRA PRADESH” submitted in partial fulfillment of the
requirements for the degree of MASTER OF SCIENCE IN AGRICULTURE
in the major field of Agricultural Economics of the Acharya N.G. Ranga
Agricultural University, Hyderabad, is a record of the bonafide research work
carried out by Miss. K.J.V. KUMARI SIRISHA under my guidance and
supervision. The subject of the thesis has been approved by the Student’s
Advisory Committee.
No part of the thesis has been submitted by the student for any other degree
or diploma. The published part has been fully acknowledged. All the assistance
and help received during the course of investigations have been duly
acknowledged by the author of the thesis.

Thesis approved by the Student’s Advisory Committee

Chairman : Dr. G. RAGHUNADHA REDDY
Associate Professor
Department of Agricultural Economics
Agricultural College, Bapatla.
Member : Dr. D. VISHNU SANKAR RAO
Professor, University Head &
Associate Dean
Department of Agricultural Economics
Agricultural College, Bapatla.

Member : Dr. V. SRINIVASA RAO
Professor and University Head
Department of Statistics and
Mathematics
Agricultural College, Bapatla.
Date of final viva-voce:
CERTIFICATE

Miss. K.J.V. KUMARI SIRISHA has satisfactorily prosecuted the course
of research and that the thesis “PERFORMANCE EVALUATION OF KISAN
CREDIT CARD SCHEME IN GUNTUR DISTRICT OF ANDHRA
PRADESH” submitted is the result of original research work and of sufficiently
high standard to warrant its presentation to the examination. I also certify that the
thesis or part thereof has not been previously submitted by him for a degree of any
university.

Date: ( D r . G . R A G H U N A D H A R E D D Y )
Associate Professor
Place: Bapatla Department of Agricultural Economics
Agricultural College, Bapatla-522101
DECLARATION

I, Miss. K.J.V. KUMARI SIRISHA, hereby declare that the thesis
entitled “PERFORMANCE EVALUATION OF KISAN CREDIT CARD
SCHEME IN GUNTUR DISTRICT OF ANDHRA PRADESH” submitted
to the Acharya N.G. Ranga Agricultural University for the degree of MASTER
OF SCIENCE IN AGRICULTURE in the major field of Agricultural
Economics is the result of the original research work done by me. It is further
declared that the thesis or any part thereof has not been published earlier in any
manner.

Place : (K.J.V.KUMARI SIRISHA)
Date : BAM-12-37
ACKNOWLEDGEMENTS

An accomplishment of this thesis is the result of benevolence of Almighty, love of my
parents, benediction of my teachers and impetus of my friends.
It gives me an immense pleasure to express my deep and heartfelt gratitude to my
major advisor and chairperson of my advisory committee Dr. G. Raghunadha Reddy,
Associate Professor, Department of Agricultural Economics, Agricultural College, Bapatla for
his deligent interest, affectionate guidance, inspiration and incessant encouragement and
immensely valuable and timely help to complete my work with no difficulties and for his
constant appraisal on subject matter to bring out a refined dissertation to recon with set
standards and during the course of my study and investigation.
I am heavily indebted to Dr. D. Vishnu Sankar Rao, Professor and University Head,
Department of Agricultural Economics, Associate Dean to Agricultural College, Bapatla and
member of my advisory committee for his concern in enlightening me on various aspects of
research and for his splendid and meticulous guidance, co-operation, impeccable and highly
informative advice during the course of the study.
I accord my sincere thanks to Dr. V. Srinivasa Rao, Professor and University Head,
Department of Statistics and Mathematics, the member of my advisory committee for his
precious guidance and suggestions by all means during the course of research work.
I fervently extended my profound thanks to Dr. Uma Devi, Assistant Professor, Dr.
K.S.R. Paul, Assistant Research officer in cost of cultivation scheme, and Sri. Prabhakar
SRF, Department of Agricultural Economics, Agricultural College, Bapatla for their whole
hearted co-operation, immensely valuable and timely help during the course of my study.
It is high time to surface out my adoration and most affectionate gratitude to my
beloved parents Sri. K. Appa Rao and Lakshmi and most effable, amiable and caring brother
Bharath Kumar and sister Prathyusha for their inspiration given from time to time in
educating and moulding me to achieve set goals and for their constant encouragement to bring
out my best in my all endeavours.
I acknowledge and appreciate my colleagues Sravani, Priyanka, Gayathri, Naidu,and
Lohith for their support and extended to boost up my morale in carrying out this thesis
research work.
It gives me an immense pleasure to express my profound thanks to my beloved seniors
Gowthami, Lavanya, Ramanamma, Mayuri, Chandhra sekhar, Rambabu, Kishore and my
junior friends Jhansi, Preethi, Lavanya, manjunadh, and saidhar for their unforgettable help
and encouragement during the course of this work.
Diction is not enough to express my unboundful gratitude to my beloved friends
Phanindra, Mounika, Lakshmana, Sujatha, Kavitha, Nireesha, Divya, Vanaja, Keerthi,
Menaka, Poorna teja, Lahari, Janaki, Maheswari
Wordy thanks can never repay the cherishing moments, help, encouragement and
perspiration in my post graduation programme given by my roommates Jyothsna and
Kiranmai.
I am greatful to Acharya N.G Ranga Agricultural University for providing financial
help in the form of stipend during my course of study.
I extend my sincere thanks to S.V. Sambasiva Rao, Senior Library Assistant and
other staff of library for providing help in the form of literature during my study.

Place: Bapatla
Date: (K. J. V. K. SIRISHA….)
LIST OF CONTENTS

Chapter Title Page No.
No.
I INTRODUCTION
II REVIEW OF LITERATURE
III MATERIAL AND METHODS
IV AGRO-ECONOMIC FEATURES
V RESULTS AND DISCUSSION
VI SUMMARY AND CONCLUSIONS
LITERATURE CITED
LIST OF SYMBOLS AND ABBREVIATIONS

et al. : And other workers
@ : at the rate of
& : And
E.g. : Example
etc. : Etcetra
ha : Hectare
Kg : Kilograms
No. : Number
% : per cent
R2 : Co-efficient of Multiple Determinations
Rs. : Rupees
Rs/ha : Rupees per hectare
i.e., : That is
q/ha : quintal per hectare
viz., : namely
mm. : milli meter
sq.km. : Square kilometers
GOI : Government of India
KCCs : Kisan credit Card scheme
RBI : Reserve Bank of India
NABARD : National Agricultural Bank for Rural Development
RRBs : Regional Rural Banks
CB : Commercial Banks
SCBs : Scheduled Commercial Banks
DCCBs : District Central Co-operative Banks
PACS : Primary Agricultural Co-operative Societies
FCSS : Farmers co-operative Service Society
CACP : Commission on Agricultural Costs and Prices
CBR : Cost Benefit Ratio
CPO : Chief Planning Office
IFC : Interest on Fixed Capital
IWC : Interest on working capital
TVC : Total Variable Cost
FC : Fixed Cost
TC : Total Cost
PAIS : Personal Accident Insurance Scheme
ATM : Automatic Teller Machine
JLG : Joint Liable Groups
OLS : Ordinary Least Squares estimation
NIC : Non Interest Cost
MOS : Maximum Obtainable Score
OS : Obtainable Score
EU : Extent of Utilisation
UG : Utilisation Gap
MOMS : Maximum Obtainable Mean Score
OMS : Obtained Mean Score
GDP : Gross Domestic Production
NSP : Nagarjuna Sagar Project
KWD : Krishna Westran Delta canal
LIST OF TABLES
Table Page

Title

No. No.
3.1 Selection of sample respondents
4.1 Population statistics of Guntur district (2011 census)

4.2 Distribution of types of soils in the Guntur district in 2012-13
4.3 Rainfall received during 2012-13 in Guntur district (Rainfall in mm.)
4.4 Land utilization pattern of Guntur district in 2012-13
4.5 Land holdings in Guntur district 2012-13
4.6 Area irrigated by different sources in Guntur district 2010-11 (Area
in lakh hectares).
4.7 Area under principal crops in Guntur district, 2012-13
4.8 Number of bank branches in Guntur district

4.9 Annual credit plan 2013-14 sector wise allocation
4.10 Number of bank branches in selected mandals
4.11 Population particulars of Duggirala mandal (2011 census)
4.12 Occupation pattern in Duggirala mandal in 2012-13
4.13 Land utilization pattern in Duggirala mandal in 2012-13
4.14 Source wise irrigation in Duggirala mandal in 2012-13
4.15 Cropping pattern in Duggirala mandal in 2012-13.
4.16 Population particulars of Sattenapalli mandal (2011 census)
4.17 Occupational pattern in Sattenapalli mandal in 2012-13
4.18 Land utilization pattern in Sattenapalli mandal in 2012-13
4.19 Source wise irrigation in Sattenapalli mandal in 2012-13
4.20 Cropping pattern in Sattenapalli mandal in 2012-13
4.21 Population particulars of Narsaraopet mandal (2011 census)