SUNIL SAWANT – M 3047

HEMANT N SARANG – M 3044

SEJAL RANE – M 3040
LAVANYA SAMALA – M 3042
 Providing financial assistance to the people
who are engaging in agriculture activities.
1.Short term( upto 15
months)

2. Medium term( from

15 months to 5yrs)

3.Long term( above

5yrs)
(1) Private agencies

(2) Public or semi-public

agencies
 Government of
Reserve bank of India
India

NABARD

PUBLIC Co-
Private
SECTOR RRBs(197) operative
bank(31)
BANK(27) banks
 For purchasing seeds
agriculture related
activities & equipment.
 Natural calamities.

 Exploitation done by
local money lenders.
 For stopping farmers’
suicide.
 Ignorance of
government on
agriculture sector.
 Growth of economy
 Corruption done by government people.
 Non financial
institutions

 Co-operative banks

 Nationalized banks
 Share capital.

 Borrowed funds.

 Loans from NABARD.

 Re-imbursement of
subsidies from govt.
 SBT kisan gold card.

 Kisan credit card.

 Scheme for purchase of land

& agricultural purpose.
 Water harvesting scheme.

 Scheme for grading &

standardization.
 Agricultural sector
contribution = 18.6% to
India's GDP.
 It employs 60% of India's
workforce.
 Agricultural contribution
makes Indian economy
12th biggest in the world.
 The total food production
was 212 million tones in 2001
– 2002.which declined to
174.23 million tones in next
year.
 Agriculture growth rate
Indian GDP declined by 5.2 %
in 02 – 03.
 Agriculture finance, especially to small and medium
farmers, is riddled with risks and challenges.
 Many programs take the safe way out and end up
lending to large farmers.
 It is also important to learn from the existing
projects to identify success factors, replicate and
scale up.
 Capacity building and knowledge sharing
 Invest in irrigation systems—community-based ,
owned and managed
 Cheap, Adequate and Timely supply.
 Small Farmers and Landless Laborers.
 Uncertainty shrouding credit requirements.
 Seasonality of many agricultural activities.
 High information and transaction costs.
 Weak institutional capacity of rural-finance
providers.
 DEBT-HIT VIDARBHA FARMERS STARE AT LAND LOSS
 22 JULY 2010.
 ECONOMIC TIMES

Score of farmers mired in debt in arid cotton belt of

vidarbha in Maharashtra are close to loosing their property
rights, as the state-controlled land development bank has
kick-started the process to recover the dues from farmers.
The top revenue minister official said the process to
recover the loan by selling their lands of defaulted farmer”
definitely on” and could start as early as July 23.SK Geol,
principal secretary, co-operation and marketing declined
comment
 IMPROVE INSTITUTION’S KNOWLEDGE

 DIVERSIFY CREDIT PORTFOLIO

 STRENGTHEN MID-TERM CREDIT

 REDUCE INTEREST RATE

 DECOMPARTMENTALISATION

 STRENGTHEN THE FARMER &

INSTITUTIONS ALLIANCE
 SELF HELP GROUPS

 VILLAGE COUNCIL MODEL

 SEMINARS
 SELF HELP GROUPS
 PILOT PROJECT BY NABARD
 MAIN OBJECTIVES
- TO EVOLVE SUPPLEMENTARY CREDIT
- TO ENCOURAGE BANKING ACTIVITY
- TO IMPROVE CREDIT FLOW

 VILLAGE COUNCIL MODEL

 AGA KHAN RURAL SUPPORT PROGRAMME
 ACTIVITIES LIKE –WATERSHED DEVELOPMENT
INPUT DISTRIBUTION
TECHNOLOGY DISSEMINATION.
 SEMINAR
 144 PARTICIPATED IN SEMINAR
 AIMS -TO SECURE FINANCE
-TO OVERCOME THE PROBLEMS
-TO CONSOLIDATE THE EFFORTS