Drivers and pattern of indebtedness among agricultural households in India: Insights from a largescale survey

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Indebtedness affects 50% of agricultural households in India, significantly impacting their financial stability.
Key drivers include non-farm financial needs and reliance on informal credit sources, particularly in vulnerable groups.
Exploring NSS survey data allows for an in-depth analysis of factors like crop loss and resource scarcity on indebtedness.
The findings stress the importance of social safety nets to complement financial inclusion efforts in reducing debt.

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Analysis reveals that 50% of agricultural households are indebted, suggesting financial inclusion programs aid access to institutional credit.

Pavithra et al. (2025) studied this question.

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Analysis reveals that 50% of agricultural households are indebted, suggesting financial inclusion programs aid access to institutional credit.