Krishan Kumar RainaParul Sharma2024-10-262024-10-262024-08-12https://krishikosh.egranth.ac.in/handle/1/5810215905The present study entitled “A Study on the Effective Utilization of Kisan Credit Card Scheme in District Kangra of Himachal Pradesh”. The study is conducted with the objective to study about beneficiary attitude towards Kisan Credit Card Scheme, to examine the factor that influence the utilization pattern of Kisan Credit Card and to pinpoint the constraints faced by beneficiary farmers. The location for this present study was Kangra district, Himachal Pradesh. The sample was collected from various Beneficiary across the study area. Multi stage random sampling technique was used to collect data from 80 sample respondents. The findings reveal that a significant proportion of farmers have positive attitude toward the Kisan Credit Card. The finding also revealed that land holding, education level and income level were one of the main factors that influence the utilization of kisan credit card. Mean percent score analysis conveyed that lengthy paper work, Insufficient credit limit, etc. were the sum of major constraints reported by beneficiary farmers.EnglishThesis