Agriculture needs serious consideration
Considering the falling contribution of agriculture sector to the country’s GDP, the government initiated measures to push formal lending to marginal and small farmers (who would have otherwise depended on microfinance), starting 2008. While these measures did cause agricultural lending to rise in the initial three years, in 2011 it fell. Over the past three years it is the private sector that has shown higher growth in lending as compared to public sector banks.
Risk factor plays a crucial role in agri-lending
During the past three years, asset quality under agriculture lending has deteriorated at a faster pace than overall asset quality. Apart from various other factors, agriculture credit waiver schemes have contributed in a big way to the rise of NPAs. Experts believe that the waivers are motivating farmers not to clear their debt. Hence, a need to develop a robust credit culture in the sector is felt strongly.
Considering the falling contribution of agriculture sector to the country’s GDP, the government initiated measures to push formal lending to marginal and small farmers (who would have otherwise depended on microfinance), starting 2008. While these measures did cause agricultural lending to rise in the initial three years, in 2011 it fell. Over the past three years it is the private sector that has shown higher growth in lending as compared to public sector banks.
Risk factor plays a crucial role in agri-lending
During the past three years, asset quality under agriculture lending has deteriorated at a faster pace than overall asset quality. Apart from various other factors, agriculture credit waiver schemes have contributed in a big way to the rise of NPAs. Experts believe that the waivers are motivating farmers not to clear their debt. Hence, a need to develop a robust credit culture in the sector is felt strongly.
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