In rural India, we need to expand the reach of credit bureaus, including by bringing borrowing under Self Help Groups into their ambit. The use of Aadhaar in identifying individuals will also help eliminate duplicate records, while making existing records more accurate.
Challenges The economy of the State is primarily agricultural but a major part of the agricultural land is mono-cropping in the absence of sufficient irrigation facilities. In order to bring more land under multi-cropping, minor irrigation schemes should be focused upon. KCCs need to be made available to all eligible farmers and we are quite far from that target.