Financial Position of Farmers in Pune District: A Primary Data-Based Analysis

Abstract

This research investigates the financial condition of farmers in Pune district through a primary field survey and descriptive analysis. The study focuses on income generation, consumption expenditure, saving behavior, borrowing pattern, irrigation access and resource constraints. Primary data were collected through structured questionnaires and analyzed using averages, ratios and percentage distribution. The findings indicate that irrigation support, institutional finance and landholding size significantly influence financial stability. Farmers depending on informal credit sources exhibit higher debt vulnerability and weaker savings performance. The study proposes actionable policy suggestions including strengthening cooperative credit institutions, expanding irrigation networks and promoting financial literacy. The contribution of this paper lies in its district-level micro evidence, which complements macro agricultural finance literature and provides localized insights for policy intervention.