Conference Proceeding

Mathematics in Space and Applied Sciences (ICMSAS-2023)
ICMSAS-2023

Subject Area: Mathematics
Pages: 331
Published On: 03-Mar-2023
Online Since: 04-Mar-2023

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Author(s): Provinder Kumar, Dinesh Kumar

Email(s): provinder11@gmail.com , dr.dinesh110@gmail.com

Address: Dr. Provinder Kumar1, Dr. Dinesh Kumar2
1.Assistant Professor, Department of Commerce, RNT Govt. College Sarkaghat, District Mandi, HP- 175024.
2.Assistant Professor, Department of Commerce, NSCBM Govt. College Hamirpur, District Hamirpur, HP- 177001.
*Corresponding Author

Published In:   Conference Proceeding, Mathematics in Space and Applied Sciences (ICMSAS-2023)

Year of Publication:  March, 2023

Online since:  March 04, 2023

DOI: Not Available

ABSTRACT:
Within the banking system, the role of public and private sector banks has taken on a new significance in light of changing economic conditions in India. The priority sector, in which includes areas such as agriculture, small scale industries, and other priority sector. The priority sector yet to be and will continue to be an important area of focus for all banks over the next decade due to tough socio-economic realities faced by Indian banks. The objective of this research paper is to analyze lending levels and structure within the priority sector over the past ten years. The entire study of this paper is based upon secondary data, collected from the various relevant issues published by RBI and from other reliable sources of 12 public sector banks and 21 private sector banks. The entire study is stretched over the period 2013 to 2022, with a view to analyze the growth of various components of priority sector lending with the help of compound annual rate of growth. The behavior of inter-year disparities in priority sector lending is explained with the help of percentage, co-efficient of variation and the performance of these two banks group in priority sector lending has been computed with the help of t-test. The study highlighted that, although, on an average, the prescribed target of priority sector lending has not been achieved in many years, but, one important issue of concern is that the shrinking share of priority sector credit in net bank credit over a period of time by both banks group, which required immediate attention of the policy makers. The public and private sector banks could not deploy 18.00 per cent of net bank credit in agriculture sector and thus, they are failed to achieve the stipulated target of agricultural lending.


Cite this article:
Provinder Kumar, Dinesh Kumar. A Comparative Study of Commercial Banks Lending to Priority Sector in India (2013-2022). 28-35


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Author/Editor Information

Dr. Sanjay Kango

Department of Mathematics, Neta Ji Subhash Chander Bose Memorial, Government Post Graduate College, Hamirpur Himachal Pradesh-177 005, INDIA