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Abstract
This paper aims to study impact of socio-economic characteristics of agricultural borrowers on access to agricultural credit in two selected districts (Nizamabad and Adilabad). Data have been collected using a structured questionnaire from a sample of 207 beneficiaries of State Bank of Hyderabad and Andhra Bank. The banks are helping the farmers of downtrodden community and there is a possibility of enhancing their perception of the policies and procedures of raising loans by themselves.