B M Desai D K Desai An earlier study had indicated that farmers tend to substitute commercial hank credit for their own funds and/for other sources of finance, and that this substitution has no significant impact on farm production, This article is therefore based on the connected question: "Is inadequacy of the existing insiitu tional credit facilities a problem in changing agriculture?". The' question is important because of the Widespread notion that inadequacy of credit is a serious bottleneck in the adoption of the new technology.