Effectiveness of Kisan Credit Card Scheme in Supporting Farmers in Mayiladuthurai District

Agricultural credit plays a crucial role in enhancing farm productivity and ensuring rural livelihood security. The Kisan Credit Card (KCC) Scheme was introduced to provide timely and affordable credit to farmers. The present study evaluates the effectiveness of the KCC scheme in supporting farmers in Mayiladuthurai District of Tamil Nadu using primary data collected from 120 KCC holders. Statistical tools such as percentage analysis, mean score, standard deviation, weighted average method, Garrett ranking technique, chi-square test, and correlation analysis were employed. The results indicate that the KCC scheme has significantly improved access to institutional credit, enhanced agricultural productivity, and reduced dependence on moneylenders, though procedural delays and inadequate credit limits continue to be major constraints.