This book focuses on financial exclusion as well as evaluates on who have access or away from financial institutions for credit in the case of farmers of rural areas. The book explores causes,consequences and how the magnitude of these financial exclusion exist.By focusing the policy options available to the farmers to avail credit the book helps them to be up lifted.The institutional sources being the cooperative banking system is consistently having lion share in financing agricultural sector. It deals with the the nexus between the financial development and economic development and the growth of agriculture sector in the context of credit. The problem of mounting Non Performing Assets is failure of banking system. The problem of mounting Non Performing Assets (NPA's) not only jeopardizes the interest of the defaulters but also the regular members, auditors and the cooperative banking institutions itself. This book discusses farmers socio-economic profile include age, place,social status,economic status,size,type of the family and This book will be a great help to the researchers and teachers of Commerce, Management and Social Sciences.