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
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

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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</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
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</span></span></code></pre><pre id="cakeErr68029fc84b91e-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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		&#039;title&#039; =&gt; &#039;Tamil Nadu: Lion&amp;#039;s share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 23 March, 2017, http://indianexpress.com/article/india/tamil-nadu-tragedy-farmer-suicide-lions-share-of-bank-loans-against-gold-villages-fall-prey-to-loan-sharks-4581280/&#039;,
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;&lt;br /&gt;Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;&lt;br /&gt;S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;&lt;br /&gt;While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;&lt;br /&gt;With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;&lt;br /&gt;Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;&lt;br /&gt;The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;&lt;br /&gt;Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;&lt;br /&gt;S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;&lt;br /&gt;Please click here to read more. &lt;br /&gt;&lt;/div&gt;&#039;,
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&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 23 March, 2017, http://indianexpress.com/article/india/tamil-nadu-tragedy-farmer-suicide-lions-share-of-bank-loans-against-gold-villages-fall-prey-to-loan-sharks-4581280/&#039;,
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

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Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
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
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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</pre></div></pre>latest-news-updates/tamil-nadu-lion039s-share-of-bank-loans-against-gold-villages-fall-prey-to-loan-sharks-arun-janardhanan-4681449.html"/>
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in..."/>
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                <strong>Tamil Nadu: Lion&#039;s share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan</strong></h1>
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                <div align="justify">-The Indian Express<br /><br /><em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br /><br />Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br /><br />S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br /><br />The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br /><br />While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br /><br />With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br /><br />Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br /><br />The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br /><br />Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br /><br />S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br /><br />Please click here to read more. <br /></div>               </font>
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-The Indian Express&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
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		&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 23 March, 2017, http://indianexpress.com/article/india/tamil-nadu-tragedy-farmer-suicide-lions-share-of-bank-loans-against-gold-villages-fall-prey-to-loan-sharks-4581280/&#039;,
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;&lt;br /&gt;Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;&lt;br /&gt;S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;&lt;br /&gt;While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;&lt;br /&gt;With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;&lt;br /&gt;Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;&lt;br /&gt;The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;&lt;br /&gt;Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;&lt;br /&gt;S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;&lt;br /&gt;Please click here to read more. &lt;br /&gt;&lt;/div&gt;&#039;,
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&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
&lt;/div&gt;&#039;,
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in..."/>
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                <strong>Tamil Nadu: Lion&#039;s share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan</strong></h1>
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                <div align="justify">-The Indian Express<br /><br /><em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br /><br />Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br /><br />S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br /><br />The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br /><br />While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br /><br />With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br /><br />Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br /><br />The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br /><br />Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br /><br />S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br /><br />Please click here to read more. <br /></div>               </font>
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-The Indian Express&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
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-The Indian Express&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;
&lt;br /&gt;
Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;
&lt;br /&gt;
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;
&lt;br /&gt;
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;
&lt;br /&gt;
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;
&lt;br /&gt;
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;
&lt;br /&gt;
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;
&lt;br /&gt;
Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;
&lt;br /&gt;
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;
&lt;br /&gt;
Please click here to read more. &lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 23 March, 2017, http://indianexpress.com/article/india/tamil-nadu-tragedy-farmer-suicide-lions-share-of-bank-loans-against-gold-villages-fall-prey-to-loan-sharks-4581280/&#039;,
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. &lt;br /&gt;&lt;br /&gt;Thiruvarur:&lt;/em&gt; B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&amp;rsquo;t sure how long he can stay behind.&lt;br /&gt;&lt;br /&gt;S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &amp;ldquo;Many of our women have never owned jewellery.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.&lt;br /&gt;&lt;br /&gt;While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &amp;mdash; as per a public paper prepared by a state-level bankers&amp;rsquo; committee.&lt;br /&gt;&lt;br /&gt;With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.&lt;br /&gt;&lt;br /&gt;Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.&lt;br /&gt;&lt;br /&gt;The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.&lt;br /&gt;&lt;br /&gt;Quoting the RBI&amp;rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&amp;rsquo;s largest bank officers&amp;rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &amp;ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&amp;rdquo; he says, slamming the disparity in the loan system.&lt;br /&gt;&lt;br /&gt;S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &amp;ldquo;These are the actual agriculture loans that reach farmers,&amp;rdquo; Franco says.&lt;br /&gt;&lt;br /&gt;Please click here to read more. &lt;br /&gt;&lt;/div&gt;&#039;
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Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

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                <strong>Tamil Nadu: Lion&#039;s share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan</strong></h1>
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                <div align="justify">-The Indian Express<br /><br /><em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br /><br />Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br /><br />S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br /><br />The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br /><br />While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br /><br />With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br /><br />Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br /><br />The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br /><br />Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br /><br />S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br /><br />Please click here to read more. <br /></div>               </font>
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-The Indian Express<br />
<br />
<em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br />
<br />
Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br />
<br />
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br />
<br />
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br />
<br />
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br />
<br />
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br />
<br />
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br />
<br />
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br />
<br />
Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br />
<br />
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br />
<br />
Please click here to read more. <br />
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

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-The Indian Express<br />
<br />
<em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br />
<br />
Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br />
<br />
S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br />
<br />
The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br />
<br />
While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br />
<br />
With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br />
<br />
Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br />
<br />
The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br />
<br />
Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br />
<br />
S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br />
<br />
Please click here to read more. <br />
</div>',
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$metaTitle = 'LATEST NEWS UPDATES | Tamil Nadu: Lion&#039;s share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan'
$metaKeywords = 'Indebtedness,Farm Loans,Agricultural Credit,Loan sharks'
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-The Indian Express

Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. 

Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in...'
$disp = '<div align="justify">-The Indian Express<br /><br /><em>Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. <br /><br />Thiruvarur:</em> B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn&rsquo;t sure how long he can stay behind.<br /><br />S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, &ldquo;Many of our women have never owned jewellery.&rdquo;<br /><br />The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years.<br /><br />While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards &mdash; as per a public paper prepared by a state-level bankers&rsquo; committee.<br /><br />With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu.<br /><br />Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities.<br /><br />The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express.<br /><br />Quoting the RBI&rsquo;s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India&rsquo;s largest bank officers&rsquo; body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. &ldquo;Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,&rdquo; he says, slamming the disparity in the loan system.<br /><br />S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. &ldquo;These are the actual agriculture loans that reach farmers,&rdquo; Franco says.<br /><br />Please click here to read more. <br /></div>'
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Tamil Nadu: Lion's share of bank loans against gold, villages fall prey to loan sharks -Arun Janardhanan

-The Indian Express Census data of 2011 shows a 17.74 per cent increase in worker population since 2001, indicating a crucial shift from farms as productivity fell. Thiruvarur: B CHANDIRAN is the only male member below the age of 50 in Dalit-dominated Oradiymbalam Jeeva Nagar village in Nagapattinam district. Hunted by loan sharks, the other men in this village of over 60 families have left, and are now doing menial jobs in cities. Chandiran, battling crop failures for the past three years, isn’t sure how long he can stay behind. S Mariappan, 63, laughs at their plight. Pointing out that villagers like him are easy targets for moneylenders as banks demands a gold guarantee, he says, “Many of our women have never owned jewellery.” The inability of banks to come to the help of Tamil Nadu farmers as they battle two failed monsoons is clear from the agriculture loan portfolios of leading banks, including State Bank of India (SBI), over the last five years. While the agriculture portfolio of SBI grew from Rs 8,510 crore in March 2011 to Rs 18,528 crore in March 2015, the entire growth has been on account of agriculture gold loans, for which banks take gold guarantees, rather than through core agriculture business loans, disbursed through Kisan Credit cards — as per a public paper prepared by a state-level bankers’ committee. With 4,408 ATMs and 1,032 branches, SBI is the largest bank in Tamil Nadu. Banks prefer gold loans as there is some surety in the form of gold. Agriculture business loans include both direct agriculture loans and loans for allied agriculture sectors such as processing or to purchase water bottling equipments or create storage facilities. The same holds true for all major banks. SBI Chief General Manager, Tamil Nadu region, Ramesh Babu did not respond to queries sent by The Indian Express. Quoting the RBI’s Basic Statistical Returns (BSR) data, D Thomas Franco, the leader of the All India Bank Officers Confederation, India’s largest bank officers’ body, says that as of March 15, of the total bank credits, the under-Rs 25,000 loans made up just 0.5 per cent and loans below Rs 2 lakh only 7.7 per cent. “Whereas, 11,000 borrowers have got 31.5 per cent of the total loans in India,” he says, slamming the disparity in the loan system. S Nagoor Ali Jinnah, Chief General Manager of the National Bank for Agriculture and Rural Development (NABARD), agrees with Franco that a target should be set by the RBI for core agri business loans. “These are the actual agriculture loans that reach farmers,” Franco says. Please click here to read more.