The agricultural loans have to help farmers for purchase of high yielding inputs as well farm equipments, pumping sets, farm reconstructions for other enterprises like fisheries, poultry dairy etc. Thus, the present study was undertaken to analyse the utilization and mis-utilization of agriculture crop as well farm loans by different categories of farmers. Multistage sampling technique was adopted for the selection of sample farmers viz. 48 large farmers 42 medium farmers and 30 small farmers who had availed agriculture crop loan from each commercial (SBI). Thus, the total sample size consisted of 120 farmers. The technique of tabular presentation includes percentages and averages were used to estimate the extent of utilisation and diversion of agriculture crop and term loan. The average amount utilized for the said purpose by medium farmer was 96.50 % followed by large farmers was noticed around 96.19 per cent which was found to be higher as compared to small farmers (93.64%) borrowed from commercial banks as crop loan. In the case of mis-utilization of credits, daughters’ marriage is major cause of mis-utilization of credit where follows trend of highest in medium then in large then in small farmers’ group.
