The post WTO policy reforms in the field of agricultural trade induced changes in the institutional and market conditions that led to the entry of the private sector in agribusiness and brought a shift in the relative position of different players in the market. It has created sharp discontinuities in the role of the state and the functioning of the market.

The last three decades have witnessed an expansion in the domain and scope of microfinance activities shaping policy discussions as well as delivery systems within and across many national contexts.

Wheat is an important cereal crop in world trade grown on approximately 220 million ha area in the world. In the South Asian region, rice-wheat cropping system occupies 24 million hectares of area and India has 10 million hectares. The western states of India are, in general, characterised by low productivity, low investment and low crop income for a long time.