Access to credit is a critical factor in the growth and sustainability of agricultural activities, especially for farmers in both urban and rural areas. However, a persistent gap in lending practices between urban and rural farmers has been observed, hindering the potential of rural farmers for economic development. This research seeks to understand and analyse the factors contributing to the rural lending gap and explore potential solutions to bridge this divide. For the purpose of this research a questioner was prepared and distributed among a sample of 130 farmers hailing from the state of Odisha, India. These questionnaires were administered through one-on-one interactions as well as in focus group discussions, allowing for a diverse range of responses. The data collected from these questionnaires and interviews was analysed. The study revealed that collateral constraints, information asymmetry, geographical isolation, risk perception, lack of financial literacy, and inadequate infrastructure collectively contribute to the disparity in credit access. By identifying the challenges faced by rural farmers, this research will provide valuable recommendations to financial institutions and policymakers on how to design more inclusive and effective lending policies.