148
Incidentally, the following table presents an estimate of the impact of the
inclusion of data for SCARDBs and PCARDBs and the consequential upward
revisions made in direct and indirect agricultural credit issued:
2. Progress in Farm Credit As Per Agency-Wise Ground-Level Credit Flow
As explained earlier, the long time series on direct institutional credit
reviewed above (which we may characterise as
Handbook
series), separately
for loans issued and loans outstandings, have some kinks arising from non-
comparable SACP series from 1994-95 and those arising from the freshly
inclusion of data for SCARDs and PCARDBs from 1999-2000 onwards. On
the other hand, we have a fairly consistent set of data on ground-level flow of
agricultural credit as officially put out by NABARD in its publications. These
data are a mixture of direct and indirect credit disbursed at the ground level.
There are two sources for them: first, the RBI data on commercial banks which
include indirect advances and second, NABARD’s own data obtained from
RRBs and cooperatives.
Table 5.6 presents agency-wise ground level credit flow for 21 years
1991-92 to 2011-12. The annual growth rates depicted in this table show the
Table 5.6: Agency-wise Ground Level Credit Flow: Official Series
(
`
crore)
Year
Co-
operative
Per
cent
to
Total
RRBs Per
cent
to
Total
Commercial
Banks
Per
cent
to To-
tal
Commercial
Banks and
RRBs
Per
cent
to To-
tal
Other
Agencies
Per
cent
to
Total
Total
Part A: Absolute Amounts and Relative Shares
1991-92
5800
51.8
596
5.3
4806
42.9
5402
48.2
11202
1992-93
9378
61.8
831
5.5
4960
32.7
5791
38.2
15169
1993-94 10117
61.3
977
5.9
5400
32.7
6377
38.7
16494
1994-95
9406
50.2
1083
5.8
8255
44.0
9338
49.8
18744
1995-96 10479
47.6
1381
6.3
10172
46.2
11553
52.4
22032
1996-97 11944
45.2
1684
6.4
12783
48.4
14467
54.8
26411
1997-98 14085
44.1
2040
6.4
15831
49.5
17871
55.9
31956
1998-99 15957
43.3
2460
6.7
18443
50.0
20903
56.7
36860
1999-00 18260
39.5
3172
6.9
24733
53.5
27905
60.3
103
0.2
46268
2000-01 20718
39.2
4220
8.0
27807
52.6
32027
60.6
82
0.2
52827
2001-02 23524
37.9
4854
7.8
33587
54.1
38441
62.0
80
0.1
62045
2002-03 23636
34.0
6070
8.7
39774
57.2
45844
65.9
80
0.1
69560
2003-04 26875
30.9
7581
8.7
52441
60.3
60022
69.0
84
0.1
86981
2004-05 31231
24.9
12404
9.9
81481
65.0
93885
74.9
193
0.2
125309
2005-06 39404
21.8
15223
8.4
125477
69.5
140700
78.0
382
0.2
180486
2006-07 42480
18.5
20434
8.9
166485
72.6
186920
81.5
229400
2007-08 48258
19.0
25312
9.9
181088
71.1
206400
81.0
254658
2008-09 45966
15.2
26765
8.9
228951
75.8
255716
84.7
226
0.1
301908
2009-10 63497
16.5
35217
9.2
285800
74.3
321017
83.5
384514
2010-11 78007
16.7
44293
9.5
345877
73.9
390170
83.3
114
0.02
468291
2011-12 87963
17.2
54450
10.7
368616
72.1
423066
82.8
511029
