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Priority sector lending

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Priority sector lending

  1. 1. Pawan Deep Singh (Pre-Ph.D. Scholar) Department Of Economics School of Humanities and Social Sciences H.N.B.Garhwal University, Srinagar - 246174
  2. 2. Lending meant for weaker sections. Meant for privileged people deprived by financial institutions. This is essentially meant for an all round development of the economy. This is to those people who would not receive easy finance.
  3. 3. Agriculture – direct and indirect finance. Small scale industries. Industrial estates. Road and water transport operation. Retail traders. Small business. Professionals and self-employed persons. Education.
  4. 4. To understand the growth/ Decline in PSA in Srinagar Garhwal during last three years. To find the difference of NPA from PSA in Srinagar Garhwal during last three years. To understand the distribution of PSA in Pauri district.
  5. 5.  Population: 15 Banks.  Sample: 3 Banks in Srinagar and 13 Banks in Pauri.  Sample method: Simple Random Sampling.  Types of data: Secondary data; yearly Report, Library, books, papers, etc.  Types of data collection and method: Least Square Method, Bar graph.
  6. 6. 0 500 1000 1500 2000 2500 PSA NPA PSA NPA PSA NPA 2010-11 2011-12 2012-13 SBI PNB Union Bank Source : SBI, PNB and UBI Srinagar , (2013)
  7. 7. 0 500 1000 1500 2000 2500 2010-11 2011-12 2012-13 SBI PNB Union Bank Source : SBI, PNB and UBI Srinagar , (2013)
  8. 8. 0 5 10 15 20 25 30 35 40 2010-11 2011-12 2012-13 SBI PNB Union Bank Source : SBI, PNB and UBI Srinagar , (2013)
  9. 9. 0 500 1000 1500 2000 2500 3000 3500 4000 2010-11 2011-12 2012-13 PSA NPA Source : SBI, PNB and UBI Srinagar , (2013)
  10. 10.  Notices.  Guarantor follow-ups.  Telephone.  News paper publicity for loans of above five lakhs.  Property seizes.  Recovery Certificate.  Court case.
  11. 11. SBI dominates in district Pauri for PSA. PSA of SBI is higher in Srinagar as compaired to other two banks. Trend of PSA shows upward slope. Big difference of PSA and NPA in Srinagar. Decreasing trend of NPA in Srinagar.
  12. 12.  Awareness by credit camps, Advertisement ete,..  Provide region specific policies.  Stringent rules for NPA.
  13. 13. THANKS

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