Agriculture plays an important role in Indian Economy as it provides employment to half of the country’s population. Hence it is necessary to study the credit facilities available for the farmers for increased productivity and development of the sector. Kisan Credit Card is one of the nationalized schemes operated at all types of banks all over India, which is introduced to meet the credit requirements of farmers such as agriculture inputs and farm household expenses. The study mainly focuses on the factors influencing the farmers’ decision to adopt and utilize kisan credit card scheme facilities in Kalaburagi district, Karnataka. For the study along with demographic details many variables are considered such as awareness of KCC, perspective towards KCC, access to KCC, perceived benefits of KCC, socio-economic Factors, peer influence and social networks. The reliability is checked among the variables, which results in a positive note towards the study.