Emphasis has to shift from subsidized credit to timely and adequate credit at reasonable cost especially where credit delivery system is very weak and complex.   It is also important to carefully monitor the usage of credit right from the input to the output stage so as to ensure proper utilization.
Monitoring of credit should not only be limited to crops but also to related activities that are funded by financial institutions like NABARD.   Productivity improvement through efficient deployment of investible resources in agriculture is the key to ensuring food security.