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Does Access to Formal Agricultural Credit Depend on Caste?

Research output: Contribution to journalArticle

Original languageEnglish
Pages (from-to)315–328
PublishedMar 2013


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    final_manuscript.pdf, 620 KB, application/pdf

    Uploaded date:27 Sep 2013

    Version:Accepted author manuscript

King's Authors


This paper analyzes whether caste impedes access to formal agricultural credit in India. Credit is provided mainly through cooperative and commercial banks. Using national data, we find that cooperative banks discriminate against lower caste borrowers, and find weak evidence that commercial banks instead bias lending in their favor in accordance with affirmative action policies. We compare the organizational structures of the two types of bank, and explain discrimination by cooperative banks in terms of interest group capture at the district level by showing that discrimination takes place in those districts where higher castes dominate.

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