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Synopsis Financing the small and marginal farmers whose repaying capacity is obviously low is indeed a formidable task in India. The institutional agencies like the co-operatives are required to face this challenge if they have to prove their worth. Since many years the co-operatives for financing agriculture in India have been facing the problem of overdues. Besides they have not successfully accomplished the task of linking credit with marketing. The problem of overdues in the co-operative credit sector is the result of a variety of causes some of which may be attributed to the structural constraints which Indian agriculture is experiencing. This interesting micro level study, besides analysing the problem of overdues in the co-operative credit sector for financing agriculture brings out the need for linking credit with marketing in light of the changed circumstances.