This course explains Credit Cost Drivers in Agri Portfolios and how key factors influence credit costs in tractor and farm equipment lending. It examines portfolio dimensions such as sector, geography, borrower segment, and product type, along with measurement methods, concentration limits, and triggers for portfolio rebalancing. The course also highlights how understanding these drivers supports pre-sanction credit appraisal by guiding decisions on loan structure, limits, pricing, and sanction conditions.