Advanced International Journal for Research

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Effectiveness of District Credit Plans and Priority Sector Lending in Promoting Agricultural Development in Kumaun Region

Author(s) Ms. Anshu Shukla, Dr. Divya Sahu
Country India
Abstract This study examines the effectiveness of District Credit Plans (DCPs) and Priority Sector Lending (PSL) in promoting agricultural development in the Kumaun region of Kumaun, Uttarakhand. The research evaluates the extent to which institutional credit mechanisms—formulated under the guidelines of the Reserve Bank of India and implemented through scheduled commercial banks, regional rural banks, and cooperative institutions—have contributed to agricultural productivity, diversification, and rural livelihood enhancement in this predominantly hill-based economy.
Using a mixed-methods approach that combines secondary data analysis of district-level credit deployment with primary survey data from beneficiary farmers across selected districts, the study assesses credit flow patterns, sectoral allocation, accessibility, and utilization efficiency. Key indicators include growth in agricultural output, adoption of modern inputs, investment in irrigation and allied activities, income generation, and reduction in dependence on informal credit sources.
The findings reveal that while Priority Sector Lending has improved formal credit outreach and supported small and marginal farmers, regional disparities, procedural complexities, limited financial literacy, and terrain-related constraints continue to hinder optimal credit absorption. District Credit Plans have shown moderate success in aligning credit targets with local agricultural potential; however, gaps remain in monitoring, need-based assessment, and convergence with extension services.
The study concludes that strengthening institutional coordination, enhancing financial inclusion, promoting customized credit products for hill agriculture, and integrating credit with technological and marketing support are essential for maximizing the developmental impact of DCPs and PSL in Kumaun. The paper offers policy recommendations to improve credit delivery mechanisms and foster sustainable agricultural growth in mountainous regions.
Keywords District Credit Plans (DCPs), Priority Sector Lending (PSL), Agricultural Development, Institutional Credit, Hill Agriculture, Kumaun Region, Uttarakhand, Financial Inclusion, Rural Livelihoods, Sustainable Agriculture
Published In Volume 7, Issue 1, January-February 2026
Published On 2026-02-19
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