Purpose: The present study explores the relationship between the key attributes of farmers of 
Haryana such as age, education, size of land holdings, and income and their familiarity with 
banking services. Design/methodology/approach: The researchers utilized a multistage 
sampling approach using 600 questionnaires to gather data from six revenue divisions in 
Haryana: Ambala, Rohtak, Gurgaon, Hisar, Karnal, and Faridabad. Four villages were chosen 
as primary data collection sites across the six revenues divisions to ensure a representative 
sample of the state's population. The study was conducted for the period 2023-2024. 
Descriptive statistics and one-way ANOVA is used to draw inferences about the population 
under study. Findings: The major banking services about which the respondents exhibit high 
level of awareness are passbooks, followed by cheque books, Kisan Credit Cards (KCC), 
ATMs and debit cards, bank accounts, Loans, and insurance. A poor level of awareness is 
observed for investments, credit cards, fixed deposit. The study also reveals a significant 
discrepancy in farmers' awareness of banking services based on education level, with higher
educated farmers demonstrating greater knowledge. However, no notable difference was 
observed in banking service awareness among farmers based on their land ownership. The 
respondents are incognizance about this banking service with 302 (49.8%) of the total 
respondents are totally unaware of credit cards, whereas, 93 (15.3%) respondents are poorly 
aware. Additionally, younger farmers exhibited more familiarity with banking services 
compared to their older counterparts. Substantial variations were noted across all banking 
services, including Bank Accounts, Pass Book, Cheques Book, ATM/ Debit Cards, Credit 
Cards, Fixed deposit (FD), Kisan Credit Cards (KCC), Mobile/Internet Banking, Loans, 
Insurance, and Investment. Originality/value: While previous research has examined farmers' 
awareness of banking services, no comprehensive empirical study has simultaneously 
investigated farmers' characteristics and awareness, particularly in Haryana. This study 
addresses this gap by exploring the relationship between key farmer attributes (age, education, 
landholding size, and income) and their knowledge of banking services.