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Paper Title: A Comparative Study of Commercial Banks Lending to Priority Sector in India (2013-2022)
Authors Name: Dr. Provinder Kumar , Dr. Dinesh Kumar
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IJRTI_185304
Published Paper Id: IJRTI2302058
Published In: Volume 8 Issue 2, February-2023
DOI:
Abstract: Within the banking system, the role of public and private sector banks has taken on a new significance in light of changing economic conditions in India. The priority sector, in which includes areas such as agriculture, small scale industries, and other priority sector. The priority sector yet to be and will continue to be an important area of focus for all banks over the next decade due to tough socio-economic realities faced by Indian banks. The objective of this research paper is to analyze lending levels and structure within the priority sector over the past ten years. The entire study of this paper is based upon secondary data, collected from the various relevant issues published by RBI and from other reliable sources of 12 public sector banks and 21 private sector banks. The entire study is stretched over the period 2013 to 2022, with a view to analyze the growth of various components of priority sector lending with the help of compound annual rate of growth. The behavior of inter-year disparities in priority sector lending is explained with the help of percentage, co-efficient of variation and the performance of these two banks group in priority sector lending has been computed with the help of t-test. The study highlighted that, although, on an average, the prescribed target of priority sector lending has not been achieved in many years, but, one important issue of concern is that the shrinking share of priority sector credit in net bank credit over a period of time by both banks group, which required immediate attention of the policy makers. The public and private sector banks could not deploy 18.00 per cent of net bank credit in agriculture sector and thus, they are failed to achieve the stipulated target of agricultural lending.
Keywords: Agriculture Credit, Financial Inclusion, Priority Sector Lending, inter-year disparities Secondary Data, Compound Annual Rate of growth, Percentage of Co-efficient of Variation, t-test, Net Bank Credit (NBC), ‘Other Priority Sector’, Indian economy.
Cite Article: "A Comparative Study of Commercial Banks Lending to Priority Sector in India (2013-2022)", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.8, Issue 2, page no.360 - 366, February-2023, Available :http://www.ijrti.org/papers/IJRTI2302058.pdf
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ISSN: 2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Publication Details: Published Paper ID: IJRTI2302058
Registration ID:185304
Published In: Volume 8 Issue 2, February-2023
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Page No: 360 - 366
Country: Distt.- Mandi, Himachal Pradesh, India
Research Area: Commerce
Publisher : IJ Publication
Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2302058
Published Paper PDF: https://www.ijrti.org/papers/IJRTI2302058
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED, Journal Starting Year (ESTD) : 2016

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