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An Analysis of Agricultural Loan Repayment Performance of Regional Rural Bank: A case study of District Sirsa, India

Author Affiliations

  • 1 Economicís Department, C.M.K National P.G Girls College Sirsa, Haryana, INDIA

Int. Res. J. Social Sci., Volume 4, Issue (6), Pages 89-92, June,14 (2015)


The establishment of Regional Rural Banks have started a new era in the countryís banking system with the objective of developing rural economy by providing credit facilities. Regional Rural Bank Ordinance as promulgated by the President of India on 26 September, 1975. The smooth function of any source of finance in general and institutional agencies in particular depends on recovery of loan and credit deposit ratio. Thus, the present study analyzes the recovery performance of agricultural loan and problem faced by the respondents in repayment. The study has been conducted in Sirsa district of Haryana and the study is based on primary data collected through well structured interview schedule. The results of the study have been complied by using average and percentage method. The present study revealed that 40 per cent of the borrowers have repaid 25 to 50 per cent of loan. Only 5 per cent, borrowers have been repaid above 70 per cent of agriculture loan. 17.5 per cent of borrowers were found to be defaulters. 60 per cent of the respondents attributed that high level of crop failure would translate to lower income to them. It was their major difficulty in meeting loan obligation and hence the higher incidence of loan defaults.


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