![CREDIT NEEDS OF FARMERS ON THE BASIS OF TIME ON THE BASIS OF PURPOSE SHORT TERM- (less than 15 months) seeds, fertilizers, pesticides, marketing, wage payment, consumption, productive purpose MEDIUM TERM – (15months – 5yrs.) cattle, small implements, repair & construction of wells LONG TERM – (more than 5 yrs) permanent land improvement, buying land, repayment of old debts PRODUCTIVE – agro production CONSUMPTION – for the period between Marketing & harvesting UNPRODUCTIVE – customs, traditions, rituals ON THE BASIS OF SOURCES ,[object Object],[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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Agri finance
- 1. Agricultural Finance Introduction Constraints Structure NABARD
- 4. INSTITUTIONAL CREDIT IN INDIAN AGRICULTURE STRUCTURE OF INSTITUTIONAL CREDIT
- 5. FLOW OF INSTITUTIONAL CREDIT TO AGRICULTURE PERCENTAGE SHARE Source: RBI bulletin, NOV 2004 & economic survey 2009-10 AGENCY 1970s 1980s 2OOO-O1 2009-10 COOPERATIVES 77.0 55.9 39.0 20 COMMERCIAL BANKS 21.O 38.9 53.0 68 REGINAL RURAL BANKS 2.0 5.2 8.0 12
- 6. COOPERATIVES: RURAL CREDIT AT LOWER COST Coverage: by 2005, 97% villages with almost 900 lakh members STRUCTURE SHORT & MEDIUM TERM LONG TERM
- 9. REGIONAL RURAL BANKS WERE ESTABLISHED IN 1975 ON THE RECOMMENDATIONS OF M.NARSIMHA COMMITTEE regionally based, rurally oriented and generally sposored by scheduled commercial banks and in some cases by private and state cooperative banks. MAIN OBJECTIVE IS TO SUPPLY CREDIT TO THE AREAS IN WHICH OTHER FINANCIAL INSTITUTES ARE NOT ACTIVE. LIMITATIONS: POLITICAL INTERFERENCE, LOW RECOVERY
- 10. CHAITANYA GODAVARI GR BK ANDHRA BANK SAPTAGIRI GRAMEENA BANK INDIAN BANK DECCAN GRAMEENA BANK STATE BANK OF HYDERABAD ANDHRA PRADESH GR.VIKAS BANK STATE BANK OF INDIA ANDHRA PRAGATHI GRAMEENA BANK SYNDICATE BANK NAME OF RRB SPONSORED BY :