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Joi

nCAI
IBWI
THASHOKonYouTube&App
BANKPROMOTI
ONEXAM
TOPI
C:PRI
ORI
TYSECTOR(
PART-
I)
Whatwewi
llst
udy
?
*
Whatar
ePr
ior
it
ySect
orTar
get
s?
Cat
egor
iesunderPr
ior
it
ySect
or:
(
i)Agr
icul
tur
e
(
ii
)Mi
cro,
Smal
landMedi
um Ent
erpr
ises
(
ii
i)Expor
tCr
edi
t
(
iv)Educat
ion
(
v)Housi
ng
(
vi)Soci
alI
nfr
ast
ruct
ure
(
vii
)Renewabl
eEner
gy
(
vii
i)Ot
her
s
Tar
getsarel
inkedwi
thANBCorCEOBE(
whi
chev
er
i
shigher
):
ANBC:Adj
ust
edNetBankCr
edi
t
CEOBE:Cr
edi
tEqui
val
entofOf
f-Bal
anceSheet
Joi
nCAI
IBWI
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Exposur
e
Tar
get
s/Sub-
tar
get
sforPr
ior
it
ysect
or:
Domest
iccommercialbanks&f or
eignbankswi
th
20br
anchesandabove(excl.RRBs&SFBs) :
Cat
egor
ies Tar
get
Tot
alPr
ior
it
ySect
or 40%
Agr
icul
tur
e 18%#
Mi
croEnt
erpr
ises 7.
5%
Adv
ancest
oWeakerSect
ions 12%(
Tabl
e1)
Smal
l&Mar
ginalFar
mer 10%(
Tabl
e2)
#outofwhi
chat ar
getof10%isprescr
ibedf
or
SmallandMar
ginalFar
mers(SMFs)
WeakerSect
ionsTar
get
:(Tabl
e1)
Fi
nanci
alYear Tar
get
2020-
2021 10%

2021-
2022 11%

2022-
2023 11.
5%

2023-
2024 12%
Joi
nCAI
IBWI
THASHOKonYouTube&App
Smal
l&Mar
ginalFar
merTar
get
:(Tabl
e2)
Fi
nanci
al Tar
get
Year
2020-
2021 8%

2021-
2022 9%

2022-
2023 9.
5%

2023-
2024 10%

For
eignbankswi
thl
esst
han20br
anches:
Cat
egor
ies Tar
get
TotalPr
ior
it
y 40%
Sector
outofwhichupt o32%can
beintheform oflendi
ngto
Expor
tsandnotl essthan8%
canbet oanyotherpri
orit
y
sect
or
#For
eignbankhasnoothertar
getorsubt ar
get
.
Joi
nCAI
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Regi
onalRur
alBanks(
RRBs)
:
Cat
egor
ies Tar
get
Tot
alPr
ior
it
ySect
or 75%*
Agr
icul
tur
e 18%#
Mi
croEnt
erpr
ises 7.
5%
Adv
ancest
oWeakerSect
ions 15%(
fi
x)
Smal
l&Mar
ginalFar
mer Tabl
e2
*However,
lendi
ngtoMedium Ent
erpr
ises,Soci
al
Inf
rast
ruct
ureandRenewabl
eEnergyshallbeonly
upto15%ofANBC.
#outofwhi
chat ar
getof10%isprescr
ibedf
or
SmallandMar
ginalFar
mers(SMFs)
Smal
l&Mar
ginalFar
merTar
get
:(Tabl
e2)
Fi
nanci
al Tar
get
Year
2020-
2021 8%

2021-
2022 9%

2022-
2023 9.
5%

2023-
2024 10%
Joi
nCAI
IBWI
THASHOKonYouTube&App
Smal
lFi
nanceBanks(
SFBs)
:
Cat
egor
ies Tar
get
Tot
alPr
ior
it
ySect
or 75%
Agr
icul
tur
e 18%#
Mi
croEnt
erpr
ises 7.
5%
Adv
ancest
oWeakerSect
ions 12%(
Tabl
e1)
Smal
l&Mar
ginalFar
mer 10%(
Tabl
e2)

#outofwhi
chat ar
getof10%isprescr
ibedf
or
SmallandMar
ginalFar
mers(SMFs)

WeakerSect
ionsTar
get
:(Tabl
e1)
Fi
nanci
al Tar
get
Year
2020-
2021 10%

2021-
2022 11%

2022-
2023 11.
5%

2023-
2024 12%
Joi
nCAI
IBWI
THASHOKonYouTube&App
Smal
l&Mar
ginalFar
merTar
get
:(Tabl
e2)
Fi
nanci
al Tar
get
Year
2020-
2021 8%

2021-
2022 9%

2022-
2023 9.
5%

2023-
2024 10%

Alldomest i
cbanks( otherthanUCBs)andf oreign
bankswi thmor ethan20br anchest oensur
et hat
theov er
alll
endingtoNon- CorporateFarmers
(NCFs)doesnotf al
lbelowt hesystem-wide
averageoft helastthr
eey earsachievementwhi ch
willbesepar at
elynoti
fi
edev eryyear.
Theappl
icablet
argetforlendi
ngtothenon-
cor
porat
ef ar
mersforFY2020- 21was12.14%of
ANBCorCEOBEwhi cheverishi
gher
.
Allef
for
tsshoul
dbemadet
oreacht
hel
evelof
13.5%ofANBC.

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