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Agricultural Finance and Co-operation PDF Book Free Download

September 12, 2025

140

Agricultural Finance and Co-operation provides a comprehensive overview of the financial principles, institutions, and cooperative structures that underpin modern agriculture. Written for students of agriculture, agribusiness, rural development, and economics, the book blends theory with practical insights to address the unique challenges of financing and organizing the farming sector.

The text begins with the concepts of agricultural finance, including the nature and scope of credit, time value of money, capital budgeting, risk and uncertainty in farming, and methods of farm financial analysis. It explains the role of credit in agricultural development and classifies loans into short-term, medium-term, and long-term categories, with emphasis on repayment capacity and farm efficiency.

The book explores the institutional framework of agricultural finance, covering commercial banks, cooperative credit institutions, regional rural banks, NABARD, microfinance, and self-help groups. It highlights the policies and schemes designed to improve access to credit for small and marginal farmers.

In the section on co-operation, the book traces the history, principles, and types of cooperative organizations, with special focus on dairy cooperatives, marketing cooperatives, and credit cooperatives. Case studies such as Amul and Operation Flood demonstrate how cooperative models have transformed rural livelihoods and strengthened India’s agrarian economy.

Contemporary issues such as financial inclusion, digital banking, crop insurance, rural indebtedness, and sustainability in agricultural finance are discussed, linking classical principles to modern challenges.

By combining financial management, rural credit systems, and cooperative development, Agricultural Finance and Co-operation equips students, researchers, and professionals with the knowledge to design and implement effective financial and organizational strategies in the agricultural sector.

Book Details

Language: English

Pages: 79

Compiled By : Department of Agricultural, Economics

Price: Free

Course Outline of Agricultural Finance and Co-operation

S.No.	Title of Chapter
1	Agricultural Finance: Nature & Scope
2	Agricultural Credit – Meaning, Definition and Classification
3	Credit Analysis – 3Rs, 5Cs and 7Ps of Credit, Repayment Plans
4	Methods and Mechanics of Processing Loan Applications
5	Recent Trends in Agricultural Finance – Social Control and Nationalization of Banks
6	Lead Bank Scheme, Regional Rural Banks (RRBs), Scale of Finance
7	Higher Financing Agencies – RBI, NABARD, IBRD, IMF, IDA, ADB
8	Time Value of Money: Compounding and Discounting Techniques
9	Insurance and Credit Guarantee Corporation
10	Crop Insurance – Meaning, Advantages, Progress in India, Limitations, AIC, NAIS, Weather Insurance
11	Cooperation – Meaning, Scope, Importance, Principles and Objectives
12	Origin and History of Indian Cooperative Movement – Pre & Post Independence Progress
13	Shortcomings of Indian Cooperative Movement and Remedies – Committees, Development of Cooperative Credit & Non-Credit Organizations, Cooperative Credit Structure
14	Classification of Cooperative Credit Institutions – ST, MT & LT Credit, PACS, FSS, MPCS, LAMPS, Objectives & Functions, Reorganization of Rural Credit Delivery System, Single Window Concept
15	Cooperative Marketing – Meaning, Functions, Advantages, NAFED, ICA, NCUI, NCDC