Agriculture is the backbone of our economy. It can be termed as the base industry of all other industries. Agricultural credit plays a major role in sustaining growth of agriculture. Proper and adequate flow of credit should be provided to the agricultural and allied activities in order to meet their short term, medium term and long term requirements. The government of India and banking institutions have taken initiatives to remove the problems related to agricultural credit. In Assam various banking and non banking institutions are providing different credit facilities to the farmers. In Golaghat district of Assam also, farmers are enjoying the ample advantages of the agricultural credit facilities provided by the banks.

The present paper endeavours to study and analyse the different agricultural credit schemes of Punjab National Bank. The main purpose of this paper is to analyse the agricultural credit flow of Punjab National Bank in Golaghat district of Assam. This study is based on secondary data