Abstract
Agriculture, in spite of its importance, suffers from many deficiencies such as of value addition process, its dwindling share in Net Domestic Product (NDP) and the declining productivity of agriculture in general and lack of development of a viable organizational mechanism at the grass root level which can undertake planning and co-ordination. This calls for the need to develop the villages at the grass root level, which holds the key for economic development .Considering these, the Eighth Five Year Plan has given emphasis to agricultural and rural development .It is hoped that a provision of adequate credit to this sector will help in taking off agriculture from the present deteriorating stage. “India lives in villages” is true even to this day. The Land Development Banks structure has a history of eight decades in India. But such banks were not in existence in some states till independence of India. The first Land Mortgage Bank was set up in 1920 at Jahangir in the state of Punjab. In 1996-97 these LDB’s renamed as Primary Co-operative Agriculture and Rural Development Banks (PCARDBs) in most of the states. The present study is undertaken to analyses the Customer perception with credit portfolio in primary co-operative agricultural rural development bank.

2017050105,Customer perception on credit portfolio – A Study with reference…pdf