This course explains Cost of Cultivation Analysis and how the input, labour, and operational costs involved in crop cultivation are evaluated within Agri & Rural Commercial Credit. It covers the key dimensions of input costs, labour expenses, operational costs, and agronomic cycle considerations, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Cost of Cultivation Analysis from the credit approval process, and highlights its role within Crop & Farm Viability Assessment, where the credit analyst executes assessments, completes documentation, and flags exceptions for review, including escalation to credit committees where required.