Credit is an essential component of the financial system that enables individuals, businesses, and governments to obtain funds for consumption, investment, production, and development. It helps bridge the gap between current financial resources and future income, thereby promoting economic growth and improving living standards. Different sources of credit are available depending on the purpose, amount, repayment capacity, and urgency of financial needs. These sources are broadly classified into institutional and non-institutional sources. Institutional sources of credit are organized financial institutions regulated by the government or financial authorities. They provide credit under established rules and procedures, ensuring transparency and legal protection for borrowers. Commercial banks are the most important institutional source of credit. They offer various types of loans such as personal loans, housing loans, vehicle loans, education loans, agricultural loans, and business loans. Banks assess the creditworthiness of borrowers before sanctioning loans and charge interest according to the prevailing lending rates. Co-operative credit institutions are another significant source of credit, especially in rural areas. They include primary agricultural credit societies,