The analysis of flow of agricultural credit and its impact on productivity is constrained by the absence of granular data other than total, direct and indirect credit. Further, there is limited data on agricultural credit to various crops, horticulture and allied activities even on a consolidated basis. The dearth in the availability of granular and disaggregated data greatly hampers policy making.
For instance, banking system at present does not capture data on finance to agriculture sector other than total credit, direct and indirect credit. There is also great confusion among banks in the figures relating to credit disbursed and credit outstanding. The number of beneficiary accounts is not under focus.