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Tractor Days is a vivid journey into rural India, where the sun rises over fields of mustard and sugarcane, and the thrum of a tractor engine is as familiar as the morning rooster, lies a world rarely captured in literature; the world of rural finance. Tractor Days is a humble attempt to step into that soil. It is not about balance sheets or banking jargon. It is about people. Borrowers. Bankers. Dealers. Dreamers. And tractors—not just as machines, but as metaphors for hope, ambition, and sometimes, heartbreak.
The stories in this book unfold in a fictional Banwadi, but they echo truths from villages across India’s vast agrarian belt. They come alive in conversations under Banyan trees, in the faded pages of passbooks, in laughter, in silences, and in the uneasy pause before signing a loan document. At the centre of it all is Raghav an Agri Field Officer of one of the commercial Bank, who traverses nearby villages of Banwadi Branch with his bag of forms and his bundle of beliefs. Through his eyes, we meet mechanics with dreams, widows with grit, dealers with schemes, and borrowers with reasons; some noble, some not.
This book is for lenders who still visits fields, the farmers who still believes in credit, the policymakers who wants to understand ground truth, and the readers who simply wants to know what happens when finance meets faith on a dusty rural road. The learnings and lessons have lot to draw parallel and understand from different types of tractor borrower
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Rajesh Kharche
Rajesh Kharche is a seasoned Agri and Rural Banker with more than two decades of experience in agriculture and rural finance. He began his career as an Agriculture Field Officer after completing his post-graduation in Agricultural Sciences, and since then has worked with both public sector and leading private sector banks across major states of India. His professional journey has given him insights that span from grassroots realities at the village level to policy frameworks at the national level.
He is the author of several domain-focused books, including Bankers’ Handbook on Kisan Credit Card: A Reference Manual for Agri-Banking, widely regarded as a key resource for practitioners handling KCC products. His other works include Who Moved My Tractor? Revitalizing Agricredit Through Crop Analytics, Managing Default Risk in Kisan Credit Card, and Credit Risk Management in Cattle Finance. Together, these writings reflect his ongoing commitment to advancing knowledge, policy understanding, and practical approaches in agri-credit and rural finance.
At present, he heads Tractor Credit and Policy vertical at one of India’s leading NBFC, where he continues to play a pivotal role in developing sustainable, farmer-centric lending practices. Tractor Days – Loans, Lives and Lessons is his sixth book on agriculture and rural banking, a work that captures his passion for documenting, sharing, and humanizing field-level experiences in Agri and Rural finance.
