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. 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. 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. 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. 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.
10. Notices.
Guarantor follow-ups.
Telephone.
News paper publicity for loans of above five
lakhs.
Property seizes.
Recovery Certificate.
Court case.
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. Awareness by credit camps, Advertisement ete,..
Provide region specific policies.
Stringent rules for NPA.