Abstract Agriculture is the backbone of the Indian economy, employing a large share of the population and contributing significantly to food security and rural livelihoods. Banks and financial institutions play a vital role in promoting agricultural growth through timely credit disbursement, enabling farmers to access modern inputs, irrigation facilities, and technology.However, the alarming rise in agricultural NPAs(Non Performing Assets) has raised serious concerns about the viability of rural credit system. Agriculture sector continues to face challenges such as monsoon dependency, volatile crop prices, rising input costs, and limited market access. These factors often result in repayment difficulties, leading to a surge in Non-Performing Assets (NPAs) in agriculture.This study presents a decadal analysis of Non-Performing Assets (NPAs) in India’s agricultural sector, examining the evolving credit culture and the persistent issue of loan defaults. this study analyzes ten years of data (2013–2022) on agricultural credit and repayment patterns using time-series regression to capture long-term NPA trends.Tthis research also identifies trend line of NPA and also focuses on finding the key predictors contributing to agricultural NPAs. The study also highlights stark regional disparities, revealing how states with similar agricultural outputs exhibit divergent credit default patterns. the state-wise analysis highlights regional disparities in credit disbursement and defaults. The findings aim to provide an evidence-based framework for reducing NPAs and strengthening the agricultural credit delivery system in India.
Pitambar Gautam (Sat,) studied this question.
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