Now-a-days natural calamities like floods; other biological and management factors are having significant role in affecting the agriculture production prospects, thereby, making the farmers to end up in a debt trap. This led to some of the farmers to commit suicides in many states including agro-potential states like Andhra Pradesh. Several assessing have been taken up regarding the performance of different financial institutions. But, the economic analysis of farmers’ indebtedness, factors responsible, impact of Loan waiver scheme etc., is of immediate concern. North coastal districts (NCD) in Andhra Pradesh, were selected based on the highest debt ratio among the marginal and small farmers. The present study taken-up to explore the determinants of farmer-borrowers’ indebtedness in three North Coastal Districts (NCD) of Andhra Pradesh viz., Srikakulam, Vizianagaram and Visakhapatnam. District Cooperative Central Bank (DCCB) and State Bank of India (SBI) were selected for coopera

Farmers indebtedness, North Coastal Districts (NCD), Andhra Pradesh.

Educational level and farm experience had positive associations with repayment of debt; there is greater need to educate the farmers on skills of crop rising to improve the productivity. — Family expenditure and farming experience were found significant; the policy makers should take into consideration of these factors to formulate the policies in alleviating the debt. — Adverse climatic factor was the major factor in non-repayment of debt, government should make measure to speed-up the compensation mechanism, as all crop loanees are insured.

Amrutha, S. and Rao, I. V. Y. Rama (2021). Determinants of Farmers’ indebtedness and Promptness of Repayment in Andhra Pradesh. Biological Forum – An International Journal, 13(2): 500-506.