Timely, adequate and cheap farm credit plays a crucial role in agricultural development. The credit needs of agricultural sector is met chiefly by informal and formal sources. The development of formal sources of credit is a basic condition for agricultural development and rural transformation as formal credit breaks the vicious circle of poverty and it encourages the utilization of modern technology in farm sector. Credit Cooperatives are the first and foremost institutional agency that entered into the agricultural finance. It has three-tier structure having PACS at grass root level, DCCBs...