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This article starts with the background of the problem, on the basis of the identified issues; objectives were drawn to prosecute a fresh study in the study region. An attempt has been made to cover the retrospective study under the heads of CBs and agriculture finance, rural credit format in India, priority sector(PS) and agricultural finance, statistical profile of priority sector and agricultural finance by CBs both at aggregate and disaggregate level. The SR got the lion’s share in PS lending. Andhra Pradesh has achieved the highest share not only in SCBs advances to priority sectors in SR but also in the disbursement under RIDF. SHGs Bank Linkage programme succeeded well in AP, besides distress among farmers is also higher. The central government has identified suicide prone districts in AP. The study felt the disagreement between the higher statistical share in agricultural finance and farmers’ distress in the same state. An attempt has been made to analyze the farmers’ perceptions relating to agricultural finance by employing quantitative tools viz., ANOVA and Chi Square tests. Suggestions for the policy makers and avenues for further research to the scholars’ who would like to undertake research in this area are also mentioned.

Retrospects and Prospects of Agricultural Finance by Commercial Banks in Kurnool District of Andhra Pradesh