104
Fifth, it is interesting that about 20% to 24% of direct advances of
public sector banks have been to corporates with credit limits of
`
one crore
or more for agricultural operations including pre-and post-harvest activities
(Table 4.29). Incidentally, with a view to correcting the inequity involved in bank
lendings to corporates, the RBI had contemplated the shifting of such corporate
Table 4.27: Sub-Categories of Direct Advances: Amount Outstanding and
Number of Loan Accounts
(
`
Crore)
Year
Loans to Individual Farmers
Loans to Corporates, Partnership Firms,
Credit Limit upto and Above
`
1 cr.
@
No.of
Accounts
% to
Total
Balance
outstanding
(
`
lakh)
% to
Total
No.of
Accounts
% to
Total
Balance
outstanding
(
`
lakh)
% to
Total
2008 29272135
95.7
176619 76.2 278979
0.9
47395
20.5
2009 32278593
95.1
221477 79.8 546403
1.6
44939
16.2
2010 37041348
96.8
264493 78.2 663571
1.7
65203
19.3
2011 36157439
97.3
3068267 78.5 431052
1.2
691711
17.7
Year Loans Granted to Pre & Post Harvest Activities
Direct Finance Total
No.of
Accounts
% to
Total
Balance
outstanding
(
`
lakh)
% to
Total
No.of
Accounts
Balance outstanding
(
`
lakh)
2008
1048427
3.4
7626 3.3 30599541
231640
2009
1127612
3.3
11027 4.0 33952608
277443
2010
570204
1.5
8579 2.5 38275123
338275
2011
589764
1.6
146297 3.7 37178255
3906275
Table 4.28: Year-wise Performance under Direct Agriculture Lending By Banks
(
`
crore)
March
PSBs
Pvt Banks
Amount Year-on-Year
Growth (%)
Loans under
Direct Agri
as % to ANBC
Amount Year-on-Year
Growth (%)
Loans under
Direct Agri
as % to ANBC
2001
38003
-
11.15
2269
-
4.02
2002
44909
18.2
11.31
2533
11.6
4.02
2003
51799
15.3
10.84
5201
105.3
6.26
2004
61957
19.6
11.09
8717
67.6
7.81
2005
82613
33.3
11.52
12157
39.5
7.59
2006
111636
35.1
10.97
22317
83.6
8.96
2007
146941
31.6
11.15
28013
25.5
8.32
2008
176135
19.9
12.91
37349
33.3
10.88
2009
215635
22.4
12.73
46511
24.5
11.44
2010
265071
22.9
12.78
52112
12
11.12
2011
300084
13.2
12.03
60043
15.2
11.25
2012
366400
22.1
12.14
-
-
-
Source:
RBI (2012): [Reproduced from the M.V. Nair Committee Report on Priority Sector Lendings,
February 2012, p.9and updated from the other RBI publications].
