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: 73
 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::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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: 74
 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::printArticle() - APP/Controller/ArtileDetailController.php, line 74
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 88
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')) {

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-Live Mint
&lt;/div&gt;
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&lt;br /&gt;
&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
More importantly, since this is mandated lending, the flow of money does not stop. It&#039;s immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.
&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of...&#039;,
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&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
&lt;/p&gt;
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Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
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&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of..."/>
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                <strong>Kisan credit cards buoy rural demand- Dinesh Unnikrishnan</strong></h1>
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                <div align="justify">-Live Mint</div><p align="justify"><br /><em>In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% </em></p><p align="justify">So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).</p><p align="justify">Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.</p><p align="justify">More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.</p><p align="justify">Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.</p>               </font>
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-Live Mint
&lt;/div&gt;
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&lt;br /&gt;
&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
More importantly, since this is mandated lending, the flow of money does not stop. It&#039;s immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.
&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of...&#039;,
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&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
&lt;/p&gt;
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Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
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&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of..."/>
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                <strong>Kisan credit cards buoy rural demand- Dinesh Unnikrishnan</strong></h1>
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                <div align="justify">-Live Mint</div><p align="justify"><br /><em>In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% </em></p><p align="justify">So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).</p><p align="justify">Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.</p><p align="justify">More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.</p><p align="justify">Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.</p>               </font>
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-Live Mint
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&lt;br /&gt;
&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
&lt;/p&gt;
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Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
&lt;/p&gt;
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More importantly, since this is mandated lending, the flow of money does not stop. It&#039;s immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.
&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-Live Mint&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;More importantly, since this is mandated lending, the flow of money does not stop. It&#039;s immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.&lt;/p&gt;&#039;,
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&lt;em&gt;In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% &lt;/em&gt;
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So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
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Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
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&lt;/p&gt;
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Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


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-Live Mint



In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of..."/>
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                <strong>Kisan credit cards buoy rural demand- Dinesh Unnikrishnan</strong></h1>
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                <div align="justify">-Live Mint</div><p align="justify"><br /><em>In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% </em></p><p align="justify">So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).</p><p align="justify">Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.</p><p align="justify">More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.</p><p align="justify">Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.</p>               </font>
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-Live Mint
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<br />
<em>In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% </em>
</p>
<p align="justify">
So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
</p>
<p align="justify">
Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
</p>
<p align="justify">
More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.
</p>
<p align="justify">
Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
</p>',
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In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of...',
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-Live Mint
</div>
<p align="justify">
<br />
<em>In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% </em>
</p>
<p align="justify">
So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs).
</p>
<p align="justify">
Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment.
</p>
<p align="justify">
More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked.
</p>
<p align="justify">
Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.
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In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% 


So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of...'
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Kisan credit cards buoy rural demand- Dinesh Unnikrishnan

-Live Mint In the two years to March 2012, the number of kisan credit cards grew by 28%, while the outstanding amount grew by 76% So far, the rural job-guarantee scheme, other social programmes by state governments and the raising of minimum support prices to farmers have been cited as reasons for the continued buoyancy in rural consumption and also for inflation in food items. But there could be another insidious factor at work-kisan credit cards (KCCs). Credit exposure of commercial banks to Indian farmers through KCCs has reached about `2 trillion. This money comes at a cheap interest rate of 7% to the farmer, which encourages many to use a sizeable portion for consumption and not necessarily for crop production. Bankers know about such diversion of funds but conveniently ignore it because they are under immense pressure to achieve the so-called priority sector lending target every year. Most banks do not have the tools to monitor the end use of farm loans or are reluctant to seek recovery from them, considering the political sensitivity associated with the segment. More importantly, since this is mandated lending, the flow of money does not stop. It's immune to monetary tightening by the central bank. Bankers point out that there are many instances of evergreening of such loans, as the farmer merely has to repay the loan for a day for the credit limit to be reinstated. In the two years to March 2012, the number of KCCs grew by 28%, while the outstanding amount grew by 76%, implying that much of the money has gone to existing cardholders and not fresh borrowers. There are many experts who say KCC exposure of banks could be a bad loan bubble waiting to burst if left unchecked. Interestingly, total credit growth to agriculture and allied activities as on 22 February was up 18.4% from a year ago, much higher than the 14.4% growth in overall non-food credit.