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Background: Credit is the crucial input for the economic development of the farmers as it helps in increased production through use of modern inputs. The study was carried out to examine the various constraints faced by the different groups of farmers in the Jaunpur district in regards to credit utilization. Aims: To study the various constraints regarding credit utilization and credit acquisition by the borrowers Place and Duration of Study: Jaunpur district of Uttar Pradesh, between year 2020 and 2021. Methodology: A total of 120 respondents were selected randomly from the Karanzakala block of Jaunpur district, Uttar Pradesh and a pre-structured questionnaire was used to collect the data from the farmers. Respondents were classified into two categories and 60 respondents from borrowers and 60 from non-borrowers were selected for study purpose Results: It is revealed by the Garrett scores that maximum number of borrowers with 71.61 mean score reported that hectic documentation as main problem faced in acquiring the credit. Conclusion: From the findings of the study, it has been stated that there was a high level of constraints associated with access to credit. Highly responded constraints for bank credit were hectic documentation (71.61 mean score), repayment period not being sufficient (68.25 mean score) and Insufficient loan amount (60.25 mean score) were the major constraints. Due to having these constraints, farmers faced a lot of troubles to get credit which hindered agricultural activities, increased cost of credit, led to selling of agricultural crops at low prices.

Background: Lentil pulse crop on account of their vital role in nutritional security and soil ameliorative properties have been an integral part of sustainable agriculture since ages. The decrease in production and shrinkage in the area of pulse crops in Lakhimpur (Kheri), Uttar Pradesh is a cause of great concern. Keeping in view the importance of lentils, the study was carried out to examine the various constraints faced by the different groups of farmers. Aims: To study the various Constraints in lentil production and marketing. Place and Duration of Study: Lakhimpur (kheri) district of Uttar Pradesh, between year 2020 and 2021. Methodology: A total of 100 respondents were selected randomly from the Mitauli block of Lakhimpur (kheri) district, Uttar Pradesh and a pre-structured questionnaire was used to collect the data from the farmers. Respondents were classified into three ccategories based on their size of land holdings. Results: It is revealed by the Garrett scores that the major production constraint faced by most of the farmers was unfavorable weather condition (score of 66.39) and major marketing constraint faced was small quantity of marketable surplus (score of 61.98). Conclusion: From the findings of the study, it has been stated that there was a high level of constraints associated with production and marketing of lentils. Highly responded constraints for production were unfavorable weather condition(rank I), non-availability of quality water for irrigation(rank II),inadequate knowledge of recommended packages and practices (rank III).Similarly small quantity of marketable surplus(rank I),availability of reliable market information system (rank II) and price fluctuation(rank III)were the major constraints in case of marketing of lentils. Due to having these constraints, farmers faced a lot of troubles which hampered agricultural activities, increased quantum of credit assistance and led to selling of agricultural crops at low prices.