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ACRC Report activities aggregated VCPs Agricultural Credit Review allocated to nearby allocated villages Bank of India bank’s bankers and government based BCP BLBC Block Level Bankers Branch Credit Plan branches of CBs CB/RRB branches CBs and RRBs cent BMs Central Cooperative Bank compulsions of banking consolidated VCPs Controlling Oﬁicer coordination credit budget received Credit Plans VCPs credit potential estimation Crop CROSS-SECTION STUDY DCPs District Credit Plans faith in SAA ﬁnancing ﬁnding ﬁrst govemment oﬂicials government agencies group behavioural skills horticulture implement SAA issue Lead Bank Level Bankers Committee loan disbursement loan proposal monitoring NABARD past lending trends Plan BCP potential estimation methods potential estimation skills potential-based credit plans prepared VCPs procedures and compulsions proper potential estimation Rural Development SAA implementation sector Service Area Approach service area branches study revealed TABLE Total 50 tractor updated VPs Village Credit Plans village proﬁles villages allocated VP updation Vrllage