71
Particulars/ Parameter Total Assam Bihar UP Punjab Maha Kar
Sample farm-
ers using their
cards on ATM
as % of sample
farmers got
issued RuPay
cards
Comm.
Banks
43.7 41.7 28.6 52.0 20.0 0.0 90.9
RRBs
31.6 35.5 23.5 46.2 50.0 0.0 0.0
Coop Banks 33.3
0.0 0.0 0.0
0.0 80.0 0.0
Total
36.3 37.2 25.0 45.5 38.5 25.8 37.0
Per cent of
farmers who
were using
RuPay cards on
ATMs, taking
help of others
for operating
on ATMs
Comm.
Banks
51.6 100.0 100.0 53.8 100.0 0.0 10.0
RRBs
74.2 81.8 75.0 75.0 50.0 0.0 0.0
Coop Banks 12.5
0.0 0.0 0.0
0.0 0.0 0.0
Total
57.1 87.5 83.3 64.0 60.0 0.0 0.0
4.34 Only one third of the farmers who were issued RuPay cards were reported to be
using their RuPay cards on ATMs. Further, about 57 per cent of farmers using
the RuPay Card were taking the help of their family members, mostly the son or
daughter, to operate on ATM machines.
4.35 Further, only 193 out of 714 sample farmers had got/ taken RuPay cards and the
rest 521 farmers were either not issued or had not taken the RuPay cards from
the bank.
4.36 An enquiry into the reasons for non-issuance of RuPay cards indicated that about
55 per cent of the sample farmers were having their KCC accounts with those
banks/ branches which were yet to start the issuing of KCC RuPay cards. This
percentage was very high in case of Assam (88.5%) and Maharashtra (78.4%)
states. In addition to this, another 56 farmers (10.7% of the non-RuPay category)
were such that where their branches were issuing the RuPay cards but they were
not extended the facility of RuPay cards. Non-availability of sufficient number of
RuPay cards with the branches, non-willingness of the branch managers to issue
RuPay cards to the farmers who were either irregular in repayment or due to
some other reasons, very small KCC limits say less than Rs. 15,000/-, etc., were
the major reasons for non-issuance of RuPay cards to the farmers.
Table 4.3: Reasons for non-issuance of RuPay Cards to Sample farmers
Particulars/ Parameter
Total Assam Bihar UP Punjab Maha Kar
No of Branches (banks) covered 71 (32)
10 (5) 13 (6) 12 (6) 12 (6) 12 (7) 12 (5)
Total No of sample farmers
714 104 120 124 120 119 127
No of sample farmers have not got
issued the RuPay Card
521 61
96 69 107 88 100
Reasons for non-issuance of RuPay Cards to Sample farmers
Banks/ Branches have not started
issuing RuPay Card
282 54
36 41 50
69 32
