CREDIT SECTOR  
  Credit Sector comprises ST, MT Agriculture Credit, Long term Agriculture Credit and Non-agriculture Credit  
     
  LONG TERM CREDIT  
 

The Long Term Credit Sector comprise of OSCARD Bank at the  Apex and 46 CARD Banks at the Sub-Divisional level. Since 2004-05,these CARD Banks  have not provided any loan on account of non –availability of line of credit from NABARD. A Tax Force at the national level has been constituted to suggest measures for revival of the Long Term Credit Sector.

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  SHORT TERM & MEDIUM TERM CREDIT  
 

PACS at the grass root level provide farm and non-farm credit to farmers members. With a view to simplifying the procedure of disbursement of farm credit to farmers, Kissan Credit Card Scheme has been introduced in 1988-89.PACS have been played a crucial role in issue of KCC to farmer as compared to the Commercial Bank and commanded a stake of 76% of the total KCC issued in the State. Achievement in distribution of KCC by Cooperative Sector

 
     
  NON AGRICULTURE CREDIT  
 

12 Urban Cooperative Banks functioning in the State are providing  finances for Self-employment to the unemployed youths and other minimum banking services like acceptance of deposit  etc. in urban and sub-urban areas.