International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 8 Issue 5
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Banking on the soil: Opportunities and obstacles in Financial Inclusion of Farmers in Anantnag, Kashmir

Author(s) Ms. Muzamil Jan Pahalwan, Dr. Raja Singh
Country India
Abstract Financial inclusion is vital for inclusive economic growth, particularly within agricultural regions. This study examines the determinants and barriers of financial inclusion among farmers in District Anantnag, the largest district in the Kashmir Valley of Jammu and Kashmir. Utilizing primary data from a survey of 300 agricultural households across six blocks alongside secondary institutional data, the paper evaluates the adoption of savings accounts, institutional credit, crop insurance, Kisan Credit Cards (KCC), digital payments, and Direct Benefit Transfers (DBT).The findings reveal that while the Pradhan Mantri Jan Dhan Yojana (PMJDY) has successfully driven near-universal bank account ownership, meaningful financial inclusion remains low. Key barriers include a deficit of rural banking infrastructure due to scattered, mountainous terrain, low financial literacy (especially among women and elderly farmers), rigid collateral demands, and a persistent reliance on informal lenders (arthiyas). Furthermore, the district's dominant horticulture sector (apple and walnut cultivation) faces severe gaps in tailored credit and insurance products. To bridge these gaps, this study recommends expanding Business Correspondent networks aligned with horticultural credit cycles, launching localized financial literacy campaigns, simplifying KCC renewals, leveraging Farmer Producer Organizations (FPOs) as credit intermediaries, and deploying digital technology to ensure last-mile connectivity.
Keywords Financial inclusion, Agricultural finance, Rural banking infrastructure, Financial literacy.
Field Sociology > Economics
Published In Volume 8, Issue 5, September-October 2026
Published On 2026-10-11
DOI https://doi.org/10.36948/ijfmr.2026.v08i05.88983
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CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

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