Author(s):

Nandita Sharma and KK Raina

Abstract: The present study was conducted in Balh Valley of Mandi district. This block was selected purposively because this is the most fertile valley of Himachal Pradesh and is known for commercial agriculture production. The farmers of the area adopts modern technologies for production and there is growing requirement of capital. The PNB is operational in the area for meeting the need of the farmers. The Balh valley lies in Mandi district at an average elevation of 800 meters. The main crops are wheat, maize, sugarcane, ginger and paddy. It is the most fertile valley of Himachal Pradesh and is known for commercial agriculture production. The farmers of the area adopt modern technologies for production. Punjab National Bank has its presence in this area through a network of branches in different rural locations. The majority of respondents have farming as the major source of income and 76.25 percent have production between 40 -80 quintals. Nearly 7.5 percent of the respondents have farm production level more than 80 quintals.

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