Comprehensive Analysis of Agricultural Credit Distribution Across Farm Sizes and Crops

By abhishek.verma75000 · May 5, 2026

This report presents a multi-dimensional analysis of agricultural credit allocation across five farm size categories — Marginal, Small, Semi-medium,…

The analysis successfully computed and visualized the average credit distribution across Marginal, Small, Semi-medium, Medium, and Large farms. A bar chart has been generated showing the average credit values for each farm size category, making it easy to compare how credit is distributed across different farm types.

The analysis produced two visualizations — a grouped bar chart and a heatmap — showing cooperative/government credit usage broken down by farm size category (Marginal, Small, Semi-medium, Medium, and Large) for each crop. These charts let you visually identify which farm size dominates credit usage for any given crop.

The analysis identified which crops show the largest difference in credit amounts between the smallest and largest farm sizes. Two visualizations were generated: a bar chart showing the top 10 crops by credit disparity (max minus min across farm sizes), and a grouped bar chart comparing all farm size credit levels for the top 5 most disparate crops. These charts make it easy to see which crops have the widest credit inequality across farm sizes.

Among Marginal and Small farmers, Cotton shows the highest credit reliance with a combined score of 75 (Marginal=38, Small=37), followed by Urad at 64 (Marginal=32, Small=32), and Gram at 58 (Marginal=30, Small=28). Two visualizations were generated: a grouped bar chart comparing Marginal vs Small farmer credit reliance side-by-side, and a combined total chart highlighting overall credit dependence by crop.

The analysis identifies crops where Large farms receive a disproportionately high share of agricultural credit compared to the average of 20.1%. Two visualizations were generated: a bar chart showing the Large farm credit share (%) for every crop with a dashed blue line marking the 20.1% average threshold, and a stacked bar chart showing the full credit composition (Marginal, Small, Semi-medium, Medium, Large) for the top 7 most commercially concentrated crops. Crops appearing above the average line in the first chart are those with disproportionate commercial concentration.

The crops with the most balanced credit distribution across all farm sizes are Jowar, Wheat, Barley, Lentil, and Urad — all showing a Coefficient of Variation (CV) of 0%, meaning their credit is distributed perfectly evenly regardless of farm size. Two charts and detailed tables were generated to illustrate these findings.

The analysis examined all five farm size categories — Marginal, Small, Semi-medium, Medium, and Large — for outliers using the IQR method. A side-by-side box plot was successfully created showing the distribution of crop values across all farm size categories. Based on the IQR analysis, no outliers were detected in any of the numeric columns, meaning all crop values fall within the acceptable bounds of Q1 - 1.5×IQR and Q3 + 1.5×IQR for every category.

Comprehensive summary statistics were calculated for all five farm size categories (Marginal, Small, Semi-medium, Medium, Large) across all crops. A styled summary table and a grouped bar chart were generated to visualize the results. Semi-medium farms have the highest average credit distribution with a mean of 22.38, while Small farms show the most variability with a standard deviation of 10.40.

The Pearson correlation matrix reveals remarkably strong relationships across all five farm size categories (Marginal, Small, Semi-medium, Medium, and Large). Every single pair among the 10 unique combinations has a correlation above 0.8, meaning credit distribution moves in sync across all farm sizes. A heatmap with annotated coefficients has been generated to visualize these relationships, with strong pairs ( r 0.8) highlighted using ★ markers.

The analysis breaks down credit allocation across five farm size categories (Marginal, Small, Semi-medium, Medium, and Large) for each crop, showing the percentage share each category receives. A stacked horizontal bar chart has been generated visualizing this percentage distribution across all 14 crops. Among all farm size categories, 'Marginal' farms dominate credit allocation for the highest number of crops — leading in 5 out of 14 crops analyzed.