Agricultural finance plays a crucial role in sustaining the farming community by ensuring access to financial resources for investments in productivity-enhancing activities. In the Coimbatore district, public and cooperative sector initiatives have introduced subsidy-based finance programs to address the financial constraints faced by farmers. This study examines the effectiveness, accessibility, and impact of subsidy-based agricultural finance on small and marginal farmers. Using a structured survey of 200 farmers, the research analyzes key financial challenges, awareness levels, and the role of cooperative banks in agricultural finance. Findings indicate that while interest subsidies on loans are widely preferred, issues such as delayed disbursement, lack of awareness, and insufficient funding hinder the full realization of these benefits.