<div>Background: In Assam, institutional credit is a crucial source of financing for agricultural production and supporting farmers&rsquo; livelihoods. However, rising cases of loan defaults have created significant challenges for microfinance institutions and rural banks. The capacity of farmers to repay loans is often limited by low and fluctuating levels of income, risks of agricultural production and market uncertainties. It is, therefore, important to identify the determinants of loan repayment performance to enhance the sustainability of rural credit systems. 
 
Methods: A random sampling method was used to select respondents and primary data were accumulated using an interview schedule. Farmers were categorised as regular repayers and irregular repayers. Socio-economic, farming activities and institutional factors were used as explanatory variables. Descriptive statistics, chi-square tests and logistic regression analysis were used to analyse the factors that affect loan repayment performance. 
 
Result: The findings show that 86.90 per cent of the sampled farmers are irregular in loan repayment and the major cause is low income. The results indicate that factors such as gender, age, household size, education, livestock ownership, loan amount, annual income and savings influenced loan repayment performance, while marital status had no effect. The study highlights the importance of income stability and institutional support in order to aware the users about the impact of timely repayment, which helps the bank to maximise its loan recovery rates. 
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An Empirical Study on the Repayment Performance of Credit Availed by Farmers: Insights from a Rural Bank in Assam