This chapter examines the demand-side constraints to financial inclusion in rural India, with a specific focus on access to agricultural credit. Building on the financial inclusion index developed in the previous chapter, we use household-level data from the 70th and 77th Rounds of the NSSO All-India Debt and Investment Survey to analyse patterns of credit access among rural households. We have seen from the earlier chapters that despite widespread bank account ownership, the utilisation of key financial services—particularly credit—remains limited. Rural households, heavily dependent on agriculture and characterised by low and uncertain incomes, face persistent financial gaps that hinder their ability to meet production expenses or invest in improved technologies. Small and marginal farmers, in particular, are susceptible to climatic risks, and often lack adequate finance to support long production cycles. Non-farm credit access is also scarce, restricting opportunities for income diversification among landless households. By identifying the major determinants of agricultural credit access, this chapter highlights the structural and socio-economic barriers shaping credit access in rural India and highlights the need for more effective rural credit policies.