<br/>A Parliamentary panel has expressed concern over the insufficient flow of agriculture credit and called for taking immediate steps to improve the situation for better outlook of the rural economy. The report presented in Parliament says cooperative and regional rural banks have failed in achieving the annual credit disbursement targets. The panel has called upon the government to come up with specific proposals to improve the credit flow in this vital sector of economy. The government has taken a number of steps to improve the affordable credit in the agriculture sector. This includes simplifying norms for opening accounts, issuance of kisan credit cards, implementation of agricultural debt waiver scheme, interests subsidy on loans, making use of NGOs and Self Help Groups as intermediaries in providing financial and banking services and loans up to 50,000 without collateral guarantee. The panel headed by Dr Murli Manohar Joshi notes more ground is to be covered to provide excess to the institutional credit to farmers.