71
indirect lendings have remained very erratic in the latest period. (For long time
series, see Annexure A).
Dominance of Urban and Metropolitan Branches in Agricultural Loans
Reduced
Yet another healthy feature introduced after the initial flush of enthusiasm
in doubling bank credit, has been the reduction in the dominance of urban and
metropolitan branches in agricultural credit. As in the case of the moderation
introduced in total indirect lendings, there has occurred a distinct moderation
in total agricultural lendings after March 2007.
Part B: Recent Classification
Direct Finance
Year Loans to individual
farmers
Loans to corporates,
partnership firms,
credit limit up to and
above
`
1 cr.
Loans granted to pre &
post harvest activities
Direct Finance Total
No. of
Accounts
Balance
outstanding
No. of
Accounts
Balance
outstanding
No. of
Accounts
Balance
outstanding
No. of
Accounts
Balance
outstanding
2008 29272135 176619 278979
47395 1048427
7626 30599541 231640
2009 32278593 221477 546403
44939 1127612
11027 33952608 277443
2010 37041348 264493 663571
65203 570204
8579 38275123 338275
2011 36157439 3068267 431052 691711 589764 146297 37178255 3906275
Indirect Finance
Year Loans to Food & agro
based processing units
with invest. In P& M
upto 10 crs.
Agriclinics and
Agri-Business centres
Loans to farmers thro'
PACS/FSS/LAMPS
Loans to NBFCs for
onlending to indiv.
Farmers or their
SHGs/JLGs
No.of
Accounts
Balance
outstanding
No.of
Accounts
Balance
outstanding
No.of
Accounts
Balance
outstanding
No.of
Accounts
Balance
outstanding
2008 99314
13993 16667
1248 21403
1542
5728
1038
2009 188656
21794 7266
932 1970
600 131628
2628
2010 86452
28443 4922
199 3934
1294
6239
5530
2011 80049
27044 21568
3540 6718
880 190388
6678
Year
Loans to NGOs/MFIs for on
lending to indiv. Farmers or
their SHGs/JLGs
Other types of indirect finance
for agriculture & allied
activities
No.of
Accounts
Balance
outstanding
No.of
Accounts
Balance
outstanding
2008
16431
665
290671
46737
2009
435379
1201
324614
69118
2010
376976
2957
389010
78504
2011
339347
1869
419769
62159
Source:
Various issues of RBI’s Statistical Tables Relating to Banks in India.
