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')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

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		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;
&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;,
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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;
&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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-The Hindu Business Line

Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;
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-The Hindu Business Line

Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small..."/>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br /></em><br />Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br /><br />Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br /><br />In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br /><br />Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br /><br /><em>Gradual drop<br /></em><br />The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br /><br />Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br /><br />For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br /><br />Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true" title="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br /></div>               </font>
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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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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;
&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;,
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&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;
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-The Hindu Business Line

Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small..."/>
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                <strong>Why small, marginal farmers get just 40% of total agri credit -Rajalakshmi Nirmal</strong></h1>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br /></em><br />Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br /><br />Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br /><br />In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br /><br />Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br /><br /><em>Gradual drop<br /></em><br />The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br /><br />Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br /><br />For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br /><br />Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true" title="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br /></div>               </font>
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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;
&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;,
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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;
&lt;br /&gt;
Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;
&lt;br /&gt;
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;
&lt;br /&gt;
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Gradual drop&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;
&lt;br /&gt;
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;
&lt;br /&gt;
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.&lt;br /&gt;&lt;br /&gt;Small farmers typically take small loans &amp;mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.&lt;br /&gt;&lt;br /&gt;In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).&lt;br /&gt;&lt;br /&gt;Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &amp;mdash; at 4 per cent interest rate &amp;mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Gradual drop&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.&lt;br /&gt;&lt;br /&gt;Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.&lt;br /&gt;&lt;br /&gt;For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot; title=&quot;https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;&lt;/div&gt;&#039;
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-The Hindu Business Line

Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small..."/>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br /></em><br />Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br /><br />Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br /><br />In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br /><br />Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br /><br /><em>Gradual drop<br /></em><br />The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br /><br />Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br /><br />For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br /><br />Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true" title="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br /></div>               </font>
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-The Hindu Business Line<br />
<br />
<em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br />
</em><br />
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br />
<br />
Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br />
<br />
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br />
<br />
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br />
<br />
<em>Gradual drop<br />
</em><br />
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br />
<br />
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br />
<br />
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br />
<br />
Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br />
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Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

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Small farmers typically take small...',
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-The Hindu Business Line<br />
<br />
<em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br />
</em><br />
Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br />
<br />
Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br />
<br />
In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br />
<br />
Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br />
<br />
<em>Gradual drop<br />
</em><br />
The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br />
<br />
Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br />
<br />
For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br />
<br />
Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br />
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-The Hindu Business Line

Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms

Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.

Small farmers typically take small...'
$disp = '<div align="justify">-The Hindu Business Line<br /><br /><em>Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms<br /></em><br />Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers.<br /><br />Small farmers typically take small loans &mdash; of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore.<br /><br />In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities).<br /><br />Speaking to bankers and market veterans revealed that the bulk of these subsidised loans &mdash; at 4 per cent interest rate &mdash; are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors.<br /><br /><em>Gradual drop<br /></em><br />The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17.<br /><br />Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity.<br /><br />For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter.<br /><br />Please <a href="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true" title="https://www.thehindubusinessline.com/economy/agri-business/why-small-marginal-farmers-get-just-40-of-total-agri-credit/article25704490.ece?homepage=true">click here</a> to read more. <br /></div>'
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Why small, marginal farmers get just 40% of total agri credit -Rajalakshmi Nirmal

-The Hindu Business Line Loan waivers have made banks wary of them; beneficiaries are farm infra/services firms Every year the Centre announces an increase in the agri credit limit, but not even half of this reaches small farmers. Small farmers typically take small loans — of less than Rs. 2 lakh. RBI data show that in FY17, the share of loans of Rs. 2 lakh or less was just 40 per cent of the total agri credit of Rs. 10.78-lakh crore. In contrast, loans between Rs. 2 lakh and Rs. 1 crore accounted for 47 per cent of the disbursals, and around 13 per cent of the total agri credit was accounted for by loans of Rs. 1 crore or more. Loans of over Rs. 100 crore were sanctioned to just 210 accounts (individuals/entities). Speaking to bankers and market veterans revealed that the bulk of these subsidised loans — at 4 per cent interest rate — are taken by owners of warehouses/cold storages, manufacturers of fertiliser/farm-equipment, and food processors. Gradual drop The share of loans of Rs. 2 lakh or less in the total agri credit has gradually decreased from 45 per cent 10 years ago to 40 per cent in FY17. Banks have been wary of lending to small farmers mainly because of the spate of loan waivers in recent years. The waivers have destroyed the credit culture in rural India, said a banker who spoke on condition of anonymity. For Union Bank of India, which allots 60 per cent of its agri loans to small and marginal farmers, NPAs formed 7.62 per cent of the agri book in the September 2018 quarter. Please click here to read more.