In order to ensure a smooth flow of credit to agriculture, the growth of overdues needs to be curbed. In recent years, the problem of overdues in credit institution has assumed serious proportions. To check this growth, it is necessary that lending institutions adopt a cautious lending policy. They must be circumspect in giving credit to all kinds of borrowers. The present book focuses on the problem of overdues at it exists in the state of Himachal Praedesh. It ...