The document outlines priority sector lending targets and guidelines in India from 1968 to 2015. Key points include:
- Targets for priority sector advances have increased over time, currently at 40% of adjusted net bank credit.
- Priority sectors include agriculture (18% target), micro, small and medium enterprises (20% target), weaker sections (10%), and others.
- Agricultural lending includes loans to small/marginal farmers, agriculture infrastructure, and ancillary activities.
- Revised guidelines in 2015 set targets to be achieved in phases for foreign banks with less than 20 branches.
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
Priority sector lending is an import part of rural banking. This presentation will help you out to get clear picture of priority sector and their requirements.
What is a regional rural bank ? What is the shareholding pattern of RRB? What are its role and functions ? The organizational structure of RRBs. List and objectives of RRBs. It is a presentation presented by 5 .
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
Priority sector lending is an import part of rural banking. This presentation will help you out to get clear picture of priority sector and their requirements.
What is a regional rural bank ? What is the shareholding pattern of RRB? What are its role and functions ? The organizational structure of RRBs. List and objectives of RRBs. It is a presentation presented by 5 .
Priority Sector Lending in India | भारत में प्राथमिकता क्षेत्र ऋण | Priority ...Abinash Mandilwar
Priority Sector Lending is very important topics for banking knowledge. This video is based on latest RBI guidelines. It is useful for JAIIB/CAIIB Exam, Bank Po Exam and Bank promotion. Don't forget to like share and comment the video. If you want video on any banking topics, suggest me in the comment box. For details you may refer my book on JAIIB. https://www.flipkart.com/search?q=abi...
Priority Sector Lending in India | भारत में प्राथमिकता क्षेत्र ऋण | Priority ...Abinash Mandilwar
Priority Sector Lending is very important topics for banking knowledge. This video is based on latest RBI guidelines. It is useful for JAIIB/CAIIB Exam, Bank Po Exam and Bank promotion. Don't forget to like share and comment the video. If you want video on any banking topics, suggest me in the comment box. For details you may refer my book on JAIIB. https://www.flipkart.com/search?q=abi...
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Contribution of agriculture to India’s GDP – around 15% only. Employment 54% or thereabout.
However, very important.
Rural areas -- home to more than 70 percent of the India’s 1.1 billion people, a large number of whom are poor. Rural poor mainly depend on rain-fed agriculture and fragile forests for their livelihoods.
Government of India places high priority on reducing poverty by raising agricultural productivity.
Finance from formal sources --- key driver.
Priority Sector Lending (PSL) is a critical piece of compliance required in the Indian Banking and Finance industry. This presentation (along with the part 1, posted earlier gives a quick overview of the priority sector lending concepts. The regulation for PSL is quite clear and increasingly Banks are mandated by the regulator - RBI to ensure compliance to PSL.
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The issues of proper Financial Management and Corporate Governance have taken a centre stage. The Public Sector Banks as well as Private Sector Banks are witnessing acute rise in nonperforming assets, moving up to 4.6% in March, 2015, whereas stressed advances have increased to 11.1% of the total advance, from 8% about 2 year ago. The major reasons as per a research of a large sample are as follows:
Financial statements are written records that convey the business activities and the financial performance of a company.
Financial statements are often audited by government agencies, accountants, firms, etc. to ensure accuracy and for tax, financing, or investing purposes.
CDD information comprises the facts about a customer that should enable a bank to assess the extent to which the customer exposes it to a range of risks.
The Consumer Protection Act, 2019 has been enacted for the purpose of providing timely and effective administration and settlement of consumer disputes and related matters.
RBI issued updated guidelines on ‘Co-Lending Model’ in November 05, 2020
“co-origination of loans” by banks and NBFCs for lending to the priority sector. “The arrangement entailed joint contribution of credit at the facility level by both lenders as also sharing of risks and rewards” the RBI said
Public Provident Fund or PPF Account benefits are discussed in Hindi as per updated RBI Guidelines 2019. How to open a PPF account online or in Post Office, 10 years Interest Rate Chart, PPF Maturity Chart and other PPF rules regarding withdrawal, eligibility, maturity period etc. are discussed in detail. PPF account can be opened in a Post Office or an Authorized Bank like Bank of India, SBI, PNB, ICICI Bank, HDFC Bank, Axis Bank etc.
DAY - NRLM (DAY - National Rural Livelihoods Mission) 'राष्ट्रीय ग्रामीण आजीव...Abinash Mandilwar
Complete scheme norms of DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihoods Mission) Schemes as per latest RBI guidelines. Important topic for JAIIB/CAIIB Exam and Banking awareness for bankers. Please like, share and comment on the video and subscribe the channel.
AML & KYC Guidelines in Bank | Anti-Money Laundering for JAIIB Exam | Bank Pr...Abinash Mandilwar
This video is based on RBI Master Circular on Prevention of Money Laundering Act, (PMLA) 2002 dated 25/02/2016 (Updated up as on 12 July 2018). This is very helpful for preparation of JAIIB Exam, Bank Promotion Exam & Bank PO Exam ( Banking Awareness). Please like, Share and Subscribe the channel. Your valuable comment for improvement is always welcome. For details You may purchase my JAIIB books online. https://www.amazon.in/s?k=abinash+man...
Follow me on twitter @amandilwar (Abinash Mandilwar)
This video is prepared on the basis of RBI Master Circular on Customer Service. The topic ‘Nomination facility in bank’ is very useful for Bank promotion JAIIB Exam and Bank PO Examination. Please like, share the video and subscribe the channel. Your valuable comments are always solicited. If you want video on any banking topics, please suggest in the comment box.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
1. Prepared by,
Abinash Kr. Mandilwar
Chief Manager & Faculty Member
BOI Staff Training College, Bhopal
2. 1968-1972
• National Credit Council held in 1968
• Description of Priority Sector formalized in 1972
1974-1979
• Initially no specific targets for PSAs
• In 1974 it was decided that share of PSAs should increase
to 33 1/3 % of total advances by March 1979
1980-2006
• Meeting of Union Finance Minister with chief of PSBs, it
was agreed to raise the share of PSAs to 40% of Total
Advances by March 1985.
2007-2012
• The guidelines were revised in the year 2007.
• On recommendation of the M V Nair Committee, revised
guideline was effect from July 20, 2012.
23/4/2015
• On recommendation of Internal Working Group (IWG),
RBI has revised the existing Priority Sector Lending
guidelines w.e.f. 23/04/2015
3. • 40% of ANBC or Credit equivalent
amount of Off - Balance Sheet
exposure, Whichever is higher
Domestic commercial
Banks / Foreign Banks
with 20 & above
branches
• 40% of ANBC or Credit equivalent amount
of Off - Balance Sheet exposure,
Whichever is higher, to be achieved in
phased manner by 2020
Foreign Banks with
less than 20
branches
• Target has to achieved within a
maximum period of 5 years starting
from 01 Aril 2013 to 31 March 2018
Foreign Banks with
20 & above
branches
•75% of total outstanding
Advances w.e.f. 1st Jan 2016
Regional Rural
Bank
TARGETS UNDER PRIORITY SECTOR ADVANCES
5. Adjusted Net Bank Credit (ANBC)
Bank Credit in India (As prescribed in item No. VI of Form ‘A’ as on 31st
March) under Sec 42 [2] of RBI Act, 1934
I
Bills rediscounted with RBI and other approved Financial institutions II
Net Bank Credit(NBC) III (I-II)
Investment in non-SLR bonds in HTM category +Other investments eligible
to be treated as PSAs + O/s Deposits under RIDF, other eligible funds with
NABARD, NHB and SIDBI on a/c of PSA shortfall + o/s PSLCs
IV
Eligible amount for exemptions on issuance of long term bands for
infrastructure and affordable housing as per circular DBOD.BP.BC.No.
25/08.12.014/2014-15 dated July 15, 2014
V
Eligible advance extended in India against the incremental FCNR(B)/NRE
deposits, qualifying for exemption from CRR/SLR requirements.
VI
Adjusted net Bank Credit (ANBC) III+IV-V-VI
Off–Balance Sheet Exposures:- An asset or Debt that does not appear
on a bank’s balance sheet. Such as: LC, BG, Forward contract etc.
ANBC & OFF-BALANCE SHEET EXPOSURE
6. The total priority sector target of 40% for
foreign bank with less than 20 branches has to
be achieved in a phased manner as under.
Financial year The total priority sector percentage of ANBC or
Credit equivalent amount of Off - Balance
Sheet exposure, Whichever is higher
2015-16 32
2016-17 34
2017-18 36
2018-19 38
2019-20 40
7. TARGETS UNDER AGRICULTURE
Domestic commercial Banks / Foreign
Banks with 20 & above branches:-
18% of ANBC or Off- Balance Sheet
exposure, Whichever is higher.
Within the 18% target of agriculture,
target of 8% is prescribed for Small &
Marginal Farmer.
Foreign Banks with less than 20
branches:- No specific target.
8. Computation of 8% loan to small and marginal farmers
include the following:
Marginal Farmer: Farmer Landholding up to 1 hectare,
Small Farmer: Farmer Landholding up to 2 hectare,
Landless agricultural labourers, tenant farmers, oral
lessees and share-croppers,
Loan to SHG or JLG engaged in agriculture and allied
activities,
Loan to farmer producer companies of individual
farmers and co-operative society having 75% Small
and Marginal farmer engaged in agriculture activities.
SMALL & MARGINAL FARMERS
9. Farm Credit Loans to individual farmers, SHG, JLG:
Short term loan for raising crops, i.e. Crop Loans.
Medium & long term loan to farmers for agriculture &
allied activities.
Loan to farmers for pre & post harvest activities.
Loan to farmers up to 50 lakh against agriculture produce
(including warehouse receipt) for 12 months.
Loans to farmers under KCC Scheme.
Loans to distress farmers indebted to non institutional
lenders.
Loan to small & marginal farmers to purchase of land for
agriculture purpose.
AGRICULTURE ADVANCE
10. Farm Credit Loan to corporate farmer, farmer producer
organization, Partnership forms, Co operative societies
engaged in Agriculture and Allied activities for Loans
limit up to 2 crore per borrower. This will include:
Crop Loans to farmer which will include traditional/
Non-traditional plantations and horticulture, and loans
to allied activities.
Medium & long term loan to farmers for agriculture &
allied activities.
Loan to farmers for pre & post harvest activities.
Loan to farmers up to 50 lakhs against agriculture
produce(including warehouse receipt)for 12 months.
AGRICULTURE ADVANCE
11. Loan for aggregate sanction limit of Rs. 100 crore
per borrower from the banking system.
Loans for construction of storage facilities
(Warehouse, Godowns, market yards) including
cold storage units designed to store Agriculture
produce, irrespective of their location.
Soil conservation and watershed development
Plant tissue culture and agri-biotechnology,
seed production, production of bio-pesticides,
bio-fertilizer, and vermi composting.
AGRICULTURE INFRASTRUCTURE
12. Loans up to Rs. 5 crore to co-operative societies of farmers
for disposing of the produce of farmers.
Loans for setting Agriclinic & Agribusiness centre.
Loan sanction to MFIs for on lending Ag activities.
Loans for Food & Agro-processing up to an aggregate
sanction limit of Rs. 100 crore per borrower from the
banking system.
Bank loans to Primary Agricultural Co operative
Society(PACS), Farmer’s Service Societies (FSS) and Large
sized Adivasi Multi Purpose Scheme (LAMPS) for on
lending to Agriculture.
Outstanding deposits under RIDF and eligible funds with
NABRD on account of priority sector shortfall.
AGRICULTURE ANCILLARY ACTIVITIES
13. MICRO, SMALL & MEDIUM ENTERPRISES
Domestic commercial Banks / Foreign Banks with 20 & above
branches:- All Bank loan to Micro, Small & Medium Enterprises both
manufacturing and services are eligible to classified under Priority
Sector Advances.
Micro Enterprises: 7.5 percent of ANBC or Credit Equivalent Amount
of Off-Balance Sheet Exposure, whichever is higher.
Manufacturing Enterprises: The Micro, Small & Medium Enterprises
engaged in the manufacture or production of goods to any industry.
Service Enterprises: All Bank loan to Micro and Small Enterprises
engaged in providing or rendering of services in terms of investment
and defined under MSMED Act shall qualify under priority sectors
without any credit cap.
Foreign Banks with less than 20 branches:- No specific target.
14. Khadi and Village Industries Sector (KVI): All loan given to units
of KVI sector will eligible for classification of 7.5% prescribed
to Micro Enterprises.
Other finance to MSMEs:
Loans to person involve in assisting the Artisans, Cottage
Industry.
Loan to cooperative of producers in the Artisans, Cottage
Industry .
Loan sanction to Banks, MFIs for on lending to MSE sectors.
Credit outstanding under all General Credit Cards.
Outstanding deposits with SIDBI on account of priority sector
shortfall.
MICRO, SMALL & MEDIUM ENTERPRISES
15. TARGETS UNDER EXPORT CREDIT
Domestic commercial Banks: Incremental export credit over
corresponding date of preceding year, up to 2% of ANBC or
Off- Balance Sheet exposure, whichever is higher, effective
from April 1, 2015 subject to sanction limit of Rs. 25 crore per
borrower to unit having turnover of up to Rs. 100 crore.
Foreign Banks with 20 & above branches:- : Incremental
export credit over corresponding date of preceding year, up to
2% of ANBC or Off- Balance Sheet exposure, whichever is
higher, effective from April 1, 2017.
Foreign Banks with less than 20 branches:- Export Credit will
be allowed up to 32 % of ANBC or Off- Balance Sheet
exposure, whichever is higher.
16. Weaker Section:-10% of ANBC or Credit equivalent amt of Off- Balance Sheet
exposure, Whichever is higher. Foreign branch having 20 branch and
above have to achieve by 31 March 2018.
Loan to Small and Marginal farmers,
Beneficiaries of NRLM, NULM, SRMS, SHG & DRI Scheme,
Artisans, Village and cottage industries where individual credit limits do not
exceed Rs1 lac,
Loan to individual SC & ST category ,
Loan to persons with disabilities,
Loans to individual women beneficiaries up to Rs1 lac per borrower etc,
Loans to distressed farmers indebted to non-institutional lenders,
Loans to distressed persons other than farmers not exceeding Rs. 1 lac per
borrower to prepay their debt to non-institutional lenders,
OD up to Rs. 5000 under PMJDY having annual income 1 lac in rural and 1.60 lac
non rural areas.
Minority communities as may be notified by Government of India from time to
time.
WEAKER SECTION
17. Education loan Rs.10 lakh to individual
including vocational course irrespective of
sanction amount.
Loan limit of Rs. 5 crore per borrower
for building social infrastructure namely
school, health care facilities, drinking
water, and sanitation in Tier II to Tier VI
centers.
EDUCATION LOAN &
SOCIAL INFRASTRUCTURE
18. Loans up to limit of Rs. 15 crore to
borrowers for purpose like solar based
power generation, biomass based power
generators, wind mills, micro-hydel plants
and for non conventional energy based
public utilities viz. street lighting systems,
and remote village electrification. For
individual households, the loan limit will be
Rs. 10 lakh per borrower.
RENEWABLE ENERGY
19. HOUSING LOAN
For Purchase/Construction: Metro (Population 10 lakh) Rs. 35 lakh & other centres
Rs. 25 lakh provided overall cost not exceed Rs. 45 lakh & Rs. 30 lakh respectively
For Repair/Renovation: Metro Rs. 5 lakh and other centre Rs. 2 lakh.
Housing Finance Companies (HFCs), approved by NHB for on-lending for the
purpose of purchase/construction of individual dwelling units or for slum clearance
and rehabilitation of slum dwellers, subject to an aggregate loan limit of Rs. 10 lakh
per borrower. The eligibility under priority sector loans to HFCs is restricted to five
percent of the individual bank’s total priority sector lending, on an ongoing basis.
Assistance given to any Govt. agency for construction of dwelling units or for slum
clearance and rehabilitation of slum dwellers subject to ceiling of Rs. 10 lakh per
dwelling units.
For construction of houses to economically weaker sections & low income groups,
the total cost of which do not exceed Rs. 10 lakh per dwelling unit. For economically
weaker sections and low income groups, the family income limit of Rs. 2 lakh per
annum irrespective of the location.
20. Loans up to Rs. 50,000/- per borrower provided directly by banks
to individuals and their SHG/JLG provided the borrower’s
household annual income in rural areas not exceeding Rs.
100,000/- and for non-rural areas not exceeding Rs.1,60,000/-.
Loans sanction to State Sponsored organization for SC/ST for
specific purpose of purchase and supply of inputs .
Loans sanctioned to distressed person not exceeding Rs. 100,000/- per
borrower to prepay their debt to non-institutional lenders.
Overdrafts, up to Rs. 5,000 /- per a/c, granted PMJDY accounts
provided the borrowers household annual income in rural areas does
not exceed Rs. 100,000 and for non rural areas it should not exceed Rs.
1,60,000/-.
OTHERS
21. All scheduled commercial banks having shortfall in
lending to priority sector target/sub shall be allocated
amounts for contribution to rural Infrastructure
Development Fund (RIDF) established with NABARD
and other Funds with NABARD/NHB/SIDBI/other
Financial Institutions as decided by the RBI from time
to time.
Non-Achievement of priority sector targets and sub-
targets will be taken into account while granting
regulatory clearances/approvals for various purposes.
NON-ACHIEVEMENT OF PRIORITY
SECTOR TARGETS