Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
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        LATEST NEWS UPDATES | How agri credit is missing those who really need it -TCA Sharad Raghavan &amp; Sobhana K Nair    </title>
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-The Hindu

Small farmers are getting only 30-40% of loans meant for the sector, says RBI report

New Delhi: The small and marginal farmers are missing out on the bulk of agricultural credit, as per information provided by the Reserve Bank of..."/>
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Small farmers are getting only 30-40% of loans meant for the sector, says RBI report

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    <h1 class="cat-box-title">How agri credit is missing those who really need it -TCA Sharad Raghavan &amp; Sobhana K Nair</h1>
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		 Published on</span><span class="text-date"> May 23, 2018</span>
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                            <div align="justify">-The Hindu<br /><br /><em>Small farmers are getting only 30-40% of loans meant for the sector, says RBI report<br /><br />New Delhi: </em>The small and marginal farmers are missing out on the bulk of agricultural credit, as per information provided by the Reserve Bank of India, which showed they are receiving only 30-40% of loans meant for the sector.<br /><br />As per a report submitted by the RBI to the Parliamentary Standing Committee on Agriculture in response to its queries, only 42.2% of agricultural credit disbursed in 2016-17 went to small and marginal farmers. The report was accessed by The Hindu.<br /><br />&ldquo;There are two ways of seeing this,&rdquo; Bharat Ramaswami, Professor at the Indian Statistical Institute and agricultural economy expert said. &ldquo;One is that it is not equitable, where some farmers, the larger ones and the ones closer to urban areas, are over-represented in terms of access to credit. Insofar as the priority sector lending mandates are concerned, the mandate is not to reach a particular type of farmer. So, the programme itself is not targeted.&rdquo;<br /><br /><em>Lending costs<br /></em><br />The RBI&rsquo;s rules are that 18% of a bank&rsquo;s Adjusted Net Bank Credit must go to the agricultural sector and within this, 8% must go to small and marginal farmers. While the banking sector has overall met this limit, there is still an inherent targeting problem arising out of the costs of lending to the sector. &ldquo;The priority sector lending mandate is in place because it is felt that banks would not otherwise lend as much to this sector,&rdquo; Mr. Ramaswami added. &ldquo;So, there are some costs of lending to this sector, and if they are not given this mandate, because of this cost they would not lend as much to the agricultural sector as the government would like them to.&rdquo;<br /><br />What then happens, he explained, is that banks choose to lend to those areas where the cost of lending is lower, such as those close to urban areas, or to those farmers who are more credit-worthy. That is, the medium and large farmers.<br /><br />The RBI data backs up this assertion, showing that only 34.5% of agricultural credit outstanding as of 2017 has gone to rural farmers.<br /><br />The remaining has gone to semi-urban, urban, and metropolitan farmers.<br /><br />&ldquo;The point is that these farmers would get credit even without the priority sector lending mandate,&rdquo; Mr. Ramaswami said.<br /><br />&ldquo;It tells you that this calls for a deeper examination of the priority sector lending mandates.&rdquo;<br /><br />The data also shows that the onus of providing agricultural credit is falling on the public sector banks, with 12 out of 23 of the private sector banks for which data is available having failed to meet the 18% lending target for the agricultural sector in 2017.<br /><br />Please <a href="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true" title="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true" class="re" target="_blank">The Hindu, 22 May, 2018, http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true</a><div class="clear"></div>
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    <h1 class="cat-box-title">How agri credit is missing those who really need it -TCA Sharad Raghavan &amp; Sobhana K Nair</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>Small farmers are getting only 30-40% of loans meant for the sector, says RBI report<br /><br />New Delhi: </em>The small and marginal farmers are missing out on the bulk of agricultural credit, as per information provided by the Reserve Bank of India, which showed they are receiving only 30-40% of loans meant for the sector.<br /><br />As per a report submitted by the RBI to the Parliamentary Standing Committee on Agriculture in response to its queries, only 42.2% of agricultural credit disbursed in 2016-17 went to small and marginal farmers. The report was accessed by The Hindu.<br /><br />&ldquo;There are two ways of seeing this,&rdquo; Bharat Ramaswami, Professor at the Indian Statistical Institute and agricultural economy expert said. &ldquo;One is that it is not equitable, where some farmers, the larger ones and the ones closer to urban areas, are over-represented in terms of access to credit. Insofar as the priority sector lending mandates are concerned, the mandate is not to reach a particular type of farmer. So, the programme itself is not targeted.&rdquo;<br /><br /><em>Lending costs<br /></em><br />The RBI&rsquo;s rules are that 18% of a bank&rsquo;s Adjusted Net Bank Credit must go to the agricultural sector and within this, 8% must go to small and marginal farmers. While the banking sector has overall met this limit, there is still an inherent targeting problem arising out of the costs of lending to the sector. &ldquo;The priority sector lending mandate is in place because it is felt that banks would not otherwise lend as much to this sector,&rdquo; Mr. Ramaswami added. &ldquo;So, there are some costs of lending to this sector, and if they are not given this mandate, because of this cost they would not lend as much to the agricultural sector as the government would like them to.&rdquo;<br /><br />What then happens, he explained, is that banks choose to lend to those areas where the cost of lending is lower, such as those close to urban areas, or to those farmers who are more credit-worthy. That is, the medium and large farmers.<br /><br />The RBI data backs up this assertion, showing that only 34.5% of agricultural credit outstanding as of 2017 has gone to rural farmers.<br /><br />The remaining has gone to semi-urban, urban, and metropolitan farmers.<br /><br />&ldquo;The point is that these farmers would get credit even without the priority sector lending mandate,&rdquo; Mr. Ramaswami said.<br /><br />&ldquo;It tells you that this calls for a deeper examination of the priority sector lending mandates.&rdquo;<br /><br />The data also shows that the onus of providing agricultural credit is falling on the public sector banks, with 12 out of 23 of the private sector banks for which data is available having failed to meet the 18% lending target for the agricultural sector in 2017.<br /><br />Please <a href="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true" title="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true" class="re" target="_blank">The Hindu, 22 May, 2018, http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true</a><div class="clear"></div>
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    <h1 class="cat-box-title">How agri credit is missing those who really need it -TCA Sharad Raghavan &amp; Sobhana K Nair</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>Small farmers are getting only 30-40% of loans meant for the sector, says RBI report<br /><br />New Delhi: </em>The small and marginal farmers are missing out on the bulk of agricultural credit, as per information provided by the Reserve Bank of India, which showed they are receiving only 30-40% of loans meant for the sector.<br /><br />As per a report submitted by the RBI to the Parliamentary Standing Committee on Agriculture in response to its queries, only 42.2% of agricultural credit disbursed in 2016-17 went to small and marginal farmers. The report was accessed by The Hindu.<br /><br />&ldquo;There are two ways of seeing this,&rdquo; Bharat Ramaswami, Professor at the Indian Statistical Institute and agricultural economy expert said. &ldquo;One is that it is not equitable, where some farmers, the larger ones and the ones closer to urban areas, are over-represented in terms of access to credit. Insofar as the priority sector lending mandates are concerned, the mandate is not to reach a particular type of farmer. So, the programme itself is not targeted.&rdquo;<br /><br /><em>Lending costs<br /></em><br />The RBI&rsquo;s rules are that 18% of a bank&rsquo;s Adjusted Net Bank Credit must go to the agricultural sector and within this, 8% must go to small and marginal farmers. While the banking sector has overall met this limit, there is still an inherent targeting problem arising out of the costs of lending to the sector. &ldquo;The priority sector lending mandate is in place because it is felt that banks would not otherwise lend as much to this sector,&rdquo; Mr. Ramaswami added. &ldquo;So, there are some costs of lending to this sector, and if they are not given this mandate, because of this cost they would not lend as much to the agricultural sector as the government would like them to.&rdquo;<br /><br />What then happens, he explained, is that banks choose to lend to those areas where the cost of lending is lower, such as those close to urban areas, or to those farmers who are more credit-worthy. That is, the medium and large farmers.<br /><br />The RBI data backs up this assertion, showing that only 34.5% of agricultural credit outstanding as of 2017 has gone to rural farmers.<br /><br />The remaining has gone to semi-urban, urban, and metropolitan farmers.<br /><br />&ldquo;The point is that these farmers would get credit even without the priority sector lending mandate,&rdquo; Mr. Ramaswami said.<br /><br />&ldquo;It tells you that this calls for a deeper examination of the priority sector lending mandates.&rdquo;<br /><br />The data also shows that the onus of providing agricultural credit is falling on the public sector banks, with 12 out of 23 of the private sector banks for which data is available having failed to meet the 18% lending target for the agricultural sector in 2017.<br /><br />Please <a href="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true" title="http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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Home हिन्दी

How agri credit is missing those who really need it -TCA Sharad Raghavan & Sobhana K Nair

Published on May 23, 2018   Modified on May 23, 2018

-The Hindu Small farmers are getting only 30-40% of loans meant for the sector, says RBI report New Delhi: The small and marginal farmers are missing out on the bulk of agricultural credit, as per information provided by the Reserve Bank of India, which showed they are receiving only 30-40% of loans meant for the sector. As per a report submitted by the RBI to the Parliamentary Standing Committee on Agriculture in response to its queries, only 42.2% of agricultural credit disbursed in 2016-17 went to small and marginal farmers. The report was accessed by The Hindu. “There are two ways of seeing this,” Bharat Ramaswami, Professor at the Indian Statistical Institute and agricultural economy expert said. “One is that it is not equitable, where some farmers, the larger ones and the ones closer to urban areas, are over-represented in terms of access to credit. Insofar as the priority sector lending mandates are concerned, the mandate is not to reach a particular type of farmer. So, the programme itself is not targeted.” Lending costs The RBI’s rules are that 18% of a bank’s Adjusted Net Bank Credit must go to the agricultural sector and within this, 8% must go to small and marginal farmers. While the banking sector has overall met this limit, there is still an inherent targeting problem arising out of the costs of lending to the sector. “The priority sector lending mandate is in place because it is felt that banks would not otherwise lend as much to this sector,” Mr. Ramaswami added. “So, there are some costs of lending to this sector, and if they are not given this mandate, because of this cost they would not lend as much to the agricultural sector as the government would like them to.” What then happens, he explained, is that banks choose to lend to those areas where the cost of lending is lower, such as those close to urban areas, or to those farmers who are more credit-worthy. That is, the medium and large farmers. The RBI data backs up this assertion, showing that only 34.5% of agricultural credit outstanding as of 2017 has gone to rural farmers. The remaining has gone to semi-urban, urban, and metropolitan farmers. “The point is that these farmers would get credit even without the priority sector lending mandate,” Mr. Ramaswami said. “It tells you that this calls for a deeper examination of the priority sector lending mandates.” The data also shows that the onus of providing agricultural credit is falling on the public sector banks, with 12 out of 23 of the private sector banks for which data is available having failed to meet the 18% lending target for the agricultural sector in 2017. Please click here to read more.

The Hindu, 22 May, 2018, http://www.thehindu.com/news/national/how-agri-credit-is-missing-those-who-really-need-it/article23963045.ece?homepage=true

Tagged with: farming Farm Loans Agricultural Credit Rural Credit

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