• K.T.Sajjan
• Dr. Atul Loomba
• Dr. Lila Simon

The Interest Subvention Scheme is a government initiative aimed at providing financial support to farmer in crop loans. This research study examines the impact of the Interest Subvention Scheme on the Primary Agricultural Credit Societies' (PACS) disbursement amount, profitability, recovery rates, and awareness among stakeholders in Vidisha District. The first finding reveals that the Interest Subvention Scheme has a positive impact on the disbursement amount of crop loans by PACS. The availability of subsidized interest rates encourages PACS to extend higher loan amounts to farmers, thereby facilitating agricultural activities and meeting the financial needs of the farming community. Furthermore, the study indicates that the Interest Subvention Scheme contributes to the profitability of PACS. The scheme leads to increased share capital for the societies, resulting in higher profits. This financial stability enhances the sustainability of PACS and their ability to provide credit facilities to farmers in the long term. Moreover, the research findings highlight that the Interest Subvention Scheme positively affects the recovery rates of PACS. The subsidized interest rates incentivize timely repayment of loans by farmers, minimizing default rates and improving the overall financial health of the societies.

Interest Subvention Scheme , PACS .

"Review of Effectiveness of the Interest Subvention Scheme on Primary Agricultural Credit Societies (PACS)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 12, page no.e376-e383, December-2023, Available :http://www.jetir.org/papers/JETIR2312447.pdf

"Review of Effectiveness of the Interest Subvention Scheme on Primary Agricultural Credit Societies (PACS)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 12, page no. ppe376-e383, December-2023, Available at : http://www.jetir.org/papers/JETIR2312447.pdf