In India, small and medium farmers typically arrange capital through personal savings, informal loans from family or local moneylenders, and government schemes that provide subsidies or low-interest loans. Large farmers often have better access to institutional credit from banks and financial institutions, leveraging assets and collateral for loans. Additionally, cooperatives and agricultural societies play a crucial role in pooling resources and providing financial assistance to farmers of all sizes. Overall, access to capital varies significantly based on the scale of farming and the farmers' financial literacy.
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