The farmers are provided credit from a number of sources for their short and long-term needs. The main sources of credit to the farmers include

The primary institutional and non‑institutional sources of farm credit are cooperative societies at the village level (PACS), commercial banks and Regional Rural Banks (RRBs), alongside persistent non‑institutional lenders (private moneylenders). Text sources state that farmers receive agricultural credit through cooperatives, commercial banks and RRBs [1], while the short‑term cooperative credit structure explicitly identifies PACS as the grassroots lending body in the three‑tier system [2]. RRBs were established to provide credit and facilities particularly to small and marginal farmers and are an important rural credit source supervised by NABARD [3]. These points align directly with option (1).

Sources

1. [1] Geography of India ,Majid Husain, (McGrawHill 9th ed.) > Chapter 9: Agriculture > Rajasthan, Punjab, Madhya Pradesh, Gujarat, Bihar, Andhra Pradesh, and Haryana. > p. 41
2. [2] Indian Economy, Vivek Singh (7th ed. 2023-24) > Chapter 2: Money and Banking- Part I > 4. Co-operative Banks: > p. 81
3. [3] Indian Economy, Vivek Singh (7th ed. 2023-24) > Chapter 2: Money and Banking- Part I > 4. Co-operative Banks: > p. 82