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Credit is the lifeblood of modern economic system, in absence of which no system can survive. It acts as lubricating oil to swiftly move the wheels of economic development. In economic development of India, agriculture still forms the base, which is not away from the need of credit. Farmers need much more capital than they can afford to save. A number of policies have been made to infuse social responsibility in the formal financial institutions to extend credit to rural areas, and succeeded in establishing a vast network of financial institutions. But, quantitative progress at the cost of...