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BBA Internship/Project Report

Topic: Study of Agriculture loan

IN BANK OF MAHARASHTRA

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 Agricultural Loan.

A PROJECT REPORT ON

Study of Agriculture loan

IN BANK OF MAHARASHTRA

For partial fulfillment of the degree B.B.A

m
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 Agricultural Loan.

Chapter 1

INTRODUCTION

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4
 Agricultural Loan.

1.1 Selection of the topic:-

Regarding the topic selected by me for study purpose, I want to quote following

Reasons why this specific topic is selected.

(A) History of Agriculture:-

 10,000 years ago the man invented agriculture.

 A primitive form of agriculture was shifting cultivation crops.

 After few years when these plots lost fertility & heavily infected with grass &

soil born pests, the cultivator would shift to new site.

 Agriculture is the backbone of Indian economy.

(B) Agriculture in India:-

m

c o
.
Agriculture is a prime source of live hood of the population in India.

 a
A flourishing Agriculture sector is far more important for the development of Indian
m
a
economy.

y n
population lives in d
 Since farming is less a business than a tradition in India. Even at this stage about 80%

t u rural areas directly & directly or indirectly depends on agriculture

S
for its livelihood.

 The surplus generated by this sector would help Indian economy to reach the “Golden
Stage”.

 It supplies the necessities of life. Today agriculture is feeding 100 million people.

 India is the only country having all types of soil & climate conditions suitable for
growing variety of crops.

 About 85 crores of people which further multiplying at the rate 2.5% per annum
depends on agriculture sector.

 60% of the Indian population is engaged in agriculture & agro-based industries.

5
 Agricultural Loan.

(1.2) Objectives of the study:-

The study is undertaken for the following objectives:

 To study percentage of share of agriculture loan as compare to other

 loan of last two years.

 To study financial statements of Bank of Maharashtra.

 To understand future budget or plan of Bank of Maharashtra in

agriculture sector.


m
To know the role of government in agriculture sector.

c o
. of Maharashtra as
 Rate of interest of agriculture loan in Bank
a
m
 compare to other financial institution.
a
y n
 To know various aspects of agriculture loan.

d
u
t from the farmers who have borrowed loan from Bank of
 Feedback
SMaharashtra.
(1.3) Importance of topic:-

The substantial growth of financial sector in India after globalization has

brought many sectors under its benefits. The prime sectors are real estate, housing,

Industrial development. It is already discussed & proved that agriculture sector in

India is important; require lot of technological developments to meet the challenges

of this country.

6
 Agricultural Loan.

All the developments that is infrastructural, technological require financial

Investment. Without financial support & investment agricultural developments are

not at all possible.

A major sector like agriculture in our country if kept underdeveloped only

because of lack of finance, no justice is made to the cultivators & a major population

which depends on this sector as a source of livelihood.

As per the directives of Reserve Bank of India many of the financial institutes

are offering their support to agriculture sector. Large number of investments are

made in the same.

The selected topic is that‟s why important as it deals with the major sector of this

Country i.e. Agriculture. Definitely the findings & outcome of the study will be

Important & useful for me as a student of management as well as Bank of

m
c o
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Maharashtra selected for the study purpose.

a
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a
(1.4) Scope of the study:
y n
din dimensions.
u
The scope of the study lies
tstudent
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(a) Scope for the

The student studying the topic will get an exposure to the Agriculture sector,

financial procedure to agriculture credit finance procedure.

(b) Scope for Bank of Maharashtra

The BANK OF MAHARASHTRA as an organisational study, will come to

know the exact feedback for the offers they are making towards them it some

derivation will found then definitely it will useful for the bank itself to improve their

functioning.

(c) Scope for the society in general

As the agriculture sector and the farmers are the part of the society, the study
7
 Agricultural Loan.

Itself & the findings as such will be definitely useful for the society. The society in

general & farmers in particular can be well understood in terms of the agriculture

finance procedure.

(1.5) Limitations of the study

The study is complicated with the following limitations:

 Only one bank is selected to study so there is no comparative analysis

.
 The scope is limited for Dhule district & specifically one branch .

i.e Shirpur branch.

 The time available for the purpose of study is very less i.e. twenty days

only. Mostly secondary data is referred than the primary data for the

m
study is limited.

c o
(1.6) Research Methsodology .
a
Research Definition
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a
yn
Research is scientific activity in which decision is made & problem is solved.

Research Methodology
d
tu
The method or framework within which the research is to be done is called Research
Methodology.
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Types of Research of my study is
 Exploratory
 Descriptive procedure of Bank of Maharashtra.

Data Collection

(1) Primary Data:-

In the form of feedback of the farmers collected through questionnaire.

(2) Secondary Data:-

All the data is collected from the books, publication, records, by the bank.

Websites.

8
 Agricultural Loan.

Chapter 2

Profile of the m
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a
organisation
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yn
d
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S

9
 Agricultural Loan.

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10
 Agricultural Loan.

(2.1) History of the bank:-

Bank of Maharashtra is the premier bank of Maharashtra,operating

in the country of India. Bank of Maharashtra was registered on 16 September

1935 with an authorized capital of 10.00 lakh & commenced business on 8th

February 1936.

Bank of Maharashtra is a public sector bank in Maharashtra, which offers

personal banking, cash management, retail loans and other financial

m
services. Their services include deposits, savings/current bank account, vehicle

c o
.
loans, personal loans, agriculture loan, retail trade finance, global banking, lending to

a
priority sector and small scale sector, foreign exchange and export finance,

m
corporate loans and equipment loans.
a
y
It is known as common man‟sn bank since inception,its initial help to small

d today‟s industrial houses. After 1969 ,the bank

units has given birth to many of
u
expanded rapidly. Ittnow has 1375 branches all over India. The bank has the
S
largest network of branches by any public sector bank in the state of

Maharashtra. It was founded by a group of visionaries led by Late V.G.kale &

D.K.Sathe & registered as banking company on 16 September 1935 at Pune.

The vision was to reach out & serve the common man & meet all their

Banking needs. Today Bank of Maharashtra has over 12 million customers

across the length.

Mahabank Self Employment Training Institute (M-SETI) is an efforts

Initiated by Mahabank, Agricultural & Rural Development Fund (MARDEF) is a

trust run by Bank of Maharashtra receiving help from National Bank for Rural

11
 Agricultural Loan.

Development (NABARD). The organization runs various self employment training

courses for the rural unemployed youth from the district of Pune, Kolhapur,

Satara, Sangli, Nashik & Nandurbar

Head office of Bank of Maharashtra:

Bank of Maharashtra,

Lokmanagal, 1501

Shivajinagar Pune (Maha) 411 005

Mission:-
 To innovate products and services.

m
 To adopt latest technology on a continuous basis.

c o
.
a
 To build proactive, professional and involved workforce.

mbest practices and corporate

 To enhance the shareholders‟ wealth through
a
governance.
y n
darena through branch network.
 To enter international

tu
S
The Deepmal

With its many lights rising to greater heights.

The 3 M’s symbolising

12
 Agricultural Loan.

Mobilisation of Money.

Modernisation of Method & Motivation of Staff.

 Bank Profile (BOM)

Branch profile No. of Branches

Rural Branches 591

Semi Urban Branches 204

Urban Branches 295

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Metropolitan Branches 273

7-days working Branches a

4

m4
Agri-high Tech Branches
a
yn
Industrial Finance Branches(with 23 fex centers) 2

d
u
Computerized branches 1363
t
S
Branches with Telebanking facility 83

Query Terminal 88

ATM 343

13
 Agricultural Loan.

(2.3) some other information:-

(a) Internet Banking:-

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Bank of Maharashtra offers following services through banking & people

d connectivity.
tu
these facilities by using internet

S
 Account balance inquiry.

 Statement of account.

 View all accounting details for all types of accounts.

 Check status & inquiry.

 Check book queries.

 E-payment of taxes.

14
 Agricultural Loan.

(b) Mobile banking:-

m
c o
.with its new
a
Bank of Maharashtra offers mobile banking services

m
technology „Maha Mobile‟. It is a mobile banking application that works on a safe

a J2ME technology. The

yn transfer of funds, e-commerce
& secured menu base interface provided through

d
customer can carry out inquiry functions,

transactions by using u
t mobile application installed on customers mobile

instruments S

(c) Facilities under Mobile Banking:-

 Balance inquiry.

 Add beneficiary.

15
 Agricultural Loan.

 Funds transfer- within customer‟s own account

.

 Funds transfer- to any other account within Bank of Maharashtra.

 View of mobile banking transaction log.

.

 Change of application password.

(d) Computerization:-

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All the branches of the bank is fully computerized including rural branches.
c
.
a
(e) Data center:-
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d
The bank has its own data center at Pune, to take care of the IT

tu
Processing requirements with disaster recovery site in Hyderabad.

16
 Agricultural Loan.

(f) ATM Network:-

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The bank expanded ATM network from 505 to 545 ATMs during 2009-10.

a
Bank has entered into collaboration with VISA for issue of debit cards to its
m
a
customers. The average hits per day have increased from 37 to 91 per year. The

yn
bank has also joined national financial switch (NFS) & MITR network for

d
tu
broadening its own network.

S
(g) Networking:-

The bank has established its own corporate network MAHANET. The

network was restructured to take care of the latest IT 769 locations, 725

branches, regional offices, circle offices.Applications like CBS, ATM Networking,

RTGS, DEMAT, INTRANET, credit risk rating, online tax collection system etc. are

put to use through MAHANET

17
 Agricultural Loan.

Chapter 3

m
o
Introduction.cTo
a
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Agriculture
n
a Loan
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18
 Agricultural Loan.

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19
 Agricultural Loan.

Agriculture:-

Agriculture is most important enterprise in India. It is a very broad term

comprising all aspect of production.It provides food for population, fodder for

livestock & fulfills needs like fibre, Fuel, timbre, wood & Raw Material to various

industries.

Agricultural Finance:-

The funds are required for the agriculture & for its allied activities .It

Provided financial assistance to various purposes or agriculture operation for

m
o
short & medium periods like minor irrigation, and development, soil conservation,
c
.
farm mechanization, plantation & horticulture, cold storage & other allied
a
m
activities.

a
yn
d
Direct Agriculture loans:-

tu
S
It means short term production & investment loans provided directly to

farmers for agriculture purposes. This would also include such loans provided

directly to farmers for agriculture purposes.

Need of agriculture finance:-

2/3rd population depends on agriculture. Low growth in agriculture output

results in rise in food prices. Majority of the poor are farmers, a labour & casual

labour therefore for reduction ultimately & elimination of poverty. Agriculture has a

20
 Agricultural Loan.

significant share in GDP. If GDP is low then overall GDP is fall down.credit. Money

Enders are main sources of credit. They were most convenient and easiest source .

his administration as simple and flexible. The Indian government launched the three-

tier banking structure in India. At the apex is NABARD at the middle level are the

urban co-operative banks (UCBS) and a few public sector banks (PSBS); and at the

base are Primary Agriculture credit societies (PACS).

 NABARD

 UCBS, PSBS

 PACS
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a
Finance in villages is of two types:-

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1. Agricultural finance (credit)

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tu
2. Non Agricultural finance

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Agricultural credit is of two types:-

1. Production credit

2. Consumption credi

(1) Production Credit:-

21
 Agricultural Loan.

(a) Short term:-

 Loans for 15 to 18 months

 Loans for meet daily working requirements

 cash components

 kind component: co-operative marketing societies.

(b) Medium term:-

 Loans for 15months to 5 years.

 m
o
NABARD gives loan for 18 to 7 years.

. c
 Creating capital asset
a
m
 a
Purchase livestock,machinery, equipments

yn
d
tu
(c ) Long Term:-

S
 5-7 YEARS

 Land fencing mechanization construction of farm house, storage facilities

(2) Consumption Credit:-

It is basically for survival of farm familes

Bank of Maharashtra gives revised margin & security norms for Agriculture

22
 Agricultural Loan.

Advances

Sr.No. Type of credit Loan amount Margin

1 Margin money
a. Crop loans & other short i. Up to Rs. 50000/- No Margin.
Term loans. ii. Over Rs. 50000/-
15 to 20% (depend
on quantum of
finance).

b. Term Loans i. Up to Rs. 50000/- No Margin.

ii. Over Rs. 50000/-
15 to 20%.

2 Security norms
c. Crop loans & other short i. Up to Rs. 50000/- m
Hypothecation of
Term loans. ii.
c o
Over Rs. 50000 crops.

. Mortgage of land&

a third party
guarantee.
m to Rs. 50000/-
d. Term loans
aii.i. Up
yn
Over Rs. 50000/-

d
tu
S

23
 Agricultural Loan.

The agriculture loans offered by Bank of Maharashtra can be categorized into

the following types:

 Mahabank Kisan Credit Card

 Minor Irrigation for Agriculturists

 Farm Mechanisation for Agriculturists

 Animal Husbandry

 Horticulture

 Scheme for financing establishment of Agri-Business Centres and Agri-

Clinics for Agriculture Graduates

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o
 Financing Farmers for Land Purchase

 Financing Two Wheelers to Farmers

. c
a
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 Consumer Loans to Farmers.

 Hi-tech Projects a
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24
 Agricultural Loan.

 Mahabank Kisaan Credit Card:-

Purpose Cultivation of crops

Meeting the short-term credit needs of farmers for crop
production and allied activities etc.
Maintenance of farm equipments etc.

m
Eligibility Agriculturist who owns agricultural land
Amount
o
As decided by District Technical committee & limit worked out
c
.
for the purpose.
Security Mortgage of land.
a
m
Hypothecation of crop/Assets.
Repayment
a
Revolving credit facility for 3 years.

yn
Coinciding with harvesting of crops-season/marketing of
produce.
d
tu
Other Terms & Assured and timely availability of working capital for crop
Conditions cultivation.
S Borrowers are covered under personal accident insurance
scheme.
Insurance for notified crops is available.

25
 Agricultural Loan.

 Minor Irrigation for Agriculturist:-

m
Purpose
c o
Digging of new wells, revitalization of existing well, purchase of
.
oil engine, electric motor, pump set installation of pipe line,
a
sprinkler, irrigation, drip irrigation, tube well, bore well, etc.
Eligibility
m
Agriculturist who owns agricultural land.
For new duga
n
Amount wells as per the NABARD Unit costs for

y
equipments/estimates.
Security dMortgage of land,

tu Hypothecation of movable assets and guarantors.

Repayment
S Depending upon the repaying capacity 7 to 11 years.
Other Terms & Conditions Proposed well should be located in white watershed area. It
should not be in dark watershed area.

26
 Agricultural Loan.

 Farm mechanisation for Agriculturist:-

m
c o
.
a
Purpose m
Purchase of Tractors/Power tillers
a
Purchase of Harvesters
n
Purchase of Threshers & other farm implements
y
Eligibility
d
Agriculturist who owns at least 8 acres of Irrigated land. The Tractor

tu As per cost of machinery

should get at least 1500 hrs of work in a year.
Amount
Security
S Hypothecation of Tractor/trolley and accessories,
Mortgage of land.
Repayment 7 to 9 years.
Other Terms & Comprehensive insurance of machinery with bank clause.
Conditions

27
 Agricultural Loan.

Animal Husbandry:-

m
c o
.
a
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a
Purpose
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Purchase of Cows/Buffaloes

d
Poultry- Broiler Farm, Layers Farm, Hatchery
Sheep/Goat Rearing

tu Construction of Byre, Purchase of Machinery

S
Working Capital Requirements.
Eligibility Agriculturist, agri. Labour and / or those who have necessary
expertise.
Amount Animal cost - As per NABARD unit costs
Others- as per the project.
Security Hypothecation of Animals/Plant Machinery to be purchased
Mortgage of land.
Repayment 4 to 5 years with suitable installments.
Other Terms & Insurance of all animals is essential.
Conditions

28
 Agricultural Loan.

 Horticulture

m
Purpose
o
Cultivation of fruit crops-mango, Pomegranate, Grapes etc.
c
Eligibility
.
Agriculturist with adequate provision of irrigation
Amount a
As per NABARD Unit costs/ Project
m
Security
a
Mortgage of land.

yn
Hypothecation of crops.

d
Repayment Within 15 years.

tu
S

29
 Agricultural Loan.

 Scheme for financing establishment of Agri-Business Centers &

Agri-Clinic for Agriculture graduate:-

m
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a
m
Settingn
a
y up of Agribusiness Centers.
Purpose up of Agriclinics

dAgriculture graduates
Setting
Eligibility
tu
Amount
S Individiuals Max. Rs 10 lakh, Group Rs 50 lakh
Security Hypothecation of Assets created out of bank loan
Mortgage of land.
Repayment 5 to 10 years.

30
 Agricultural Loan.

 Financing farmers for Land purchase:-

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a
y&n
Purpose Purchase of land

d
Eligibility Small Marginal farmers, share croppers/Tenant farmers.
Amount
tu Maximum Rs 15,00,000/-
Security
S Mortgage of land.
Hypothecation of crop/Assets.
Repayment As per the repaying capacity & incremental income.
Other Terms & Total land holding including proposed land should not exceed 5
Conditions acres.

31
 Agricultural Loan.

 Financing two wheelers to Farmers:-

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a
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a
Purpose
y
Purchasenof two wheeler.
Eligibility d
Net annual Agril. Income above Rs 50,000/- or 5 acres of

tu irrigated land.
Amount
S Max. Rs 50,000/-
Security Hypothecation of Asset.
Guarantors.
Repayment 3 to 5 years.

32
 Agricultural Loan.

 Consumer loan to Farmers:-

Purpose Purchase of consumer durables.

m
Eligibility
c o
Net annual Agril. Income above Rs 50,000/- or 5 acres of
.
irrigated/10 acres seasonally irrigated land.
Amount a
Max. Rs 50,000/-, for four wheelers Max. Rs 2 lakh.
m
Margin 10%
a
Security
y n
Hypothecation of assets.
Repayment
d
3 to 5 years.

tu
S

33
 Agricultural Loan.

 Hi-tech Projects:-

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Hi-techn
a
Purpose
y projects.
Eligibility d
Agriculturist with knowledge of advance techniques in the

tu farming.
Amount
S As per the project cost.
Security Hypothecation of goods
Other collateral security.
Repayment Within 6 to 8 years.

34
 Agricultural Loan.

Chapter 4

Analysis and
Interpretation
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35
 Agricultural Loan.

 Mahabank Kisaan Credit Card

SR Year Loan (In Cr.)

1 2008-09 2.5
2 2009-10 3.10
3 2010-11 3.20

m
c o
MKCC .
a
m
a
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MKCC MKCC
3.5
3
d
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2.5
2

S
MKCC
1.5
1
0.5
MKCC
0
2008-09 2009-10 2010-11

MKCC

Explanation:-

The above chart shows that the amount of loan for MKCC is increased than
last years. In 2008-09 it was 2.5 crore, in2009-10 it was 3.10 crore and in 2010-11 it
increase to 3.20 crore. Hence the amount of loan is increased.

36
 Agricultural Loan.

 Minor Irrigation:-

SR Year Loan (In Cr.)

1 2008-09 1.10
2 2009-10 1.15
3 2010-11 1.20

m
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.
1.2

1.15 a
m
1.1
a
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Minor Irrigation
1.05

d
2008-09 2009-10 2010-11

tu
S

Explanation:-
The above chart shows the amount of loan Minor Irrigation is increased han last year
in 2008-09 it was 1.10 crore in 2009-10 it was 1.15 crore and in 2010-11 it increased to1.20
crore. Hence the amount of loan is increased.

37
 Agricultural Loan.

 Farm Mechanism for Agriculturist:-

SR Year Loan (In Lacs.)

1 2008-09 80
2 2009-10 90
3 2010-11 97.2

Farm Mechanism For Agriculturist

m
c o
.
100
a
m
80

a
60

yn
40
20 Loan

d
0
2008-09 2009-10 2010-11

tu
S

Explanation:-
The above chart shows the amount of loan for Farm Mechanism is increased han last
year in 2008-09 it was 80 lacs in 2009-10 it was 90 lacs and in 2010-11 it increased to 97.2
lacs. Hence the amount of loan is increased.

38
 Agricultural Loan.

 Horticulture:-

SR Year Loan (In crore)

1 2008-09 0.5
2 2009-10 0.60
3 2010-11 0.75

Horticulture

m
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0.7
a
m
0.6
0.5
0.4
a
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0.3
0.2
0.1 Loan
0
d
tu
2008-09 2009-10 2010-11

Explanation:-
The above chart shows the amount of loan forHorticulture is increased han last year in
2008-09 it was 0.50 crore 2009-10 it was0.60 crore and in 2010-11 it increased to 0.75 crore.
Hence the amount of loan is increased.

39
 Agricultural Loan.

Land Purchase:-

SR Year Loan (In crore)

1 2008-09 0.9
2 2009-10 1.5
3 2010-11 1.9

Land Purchase

m
2

o
1.5

c
1

.
0.5
Loan
a
0
2008-09 2009-10 2010-11

m
a
yn
d
tu
S
Explanation:-
The above chart shows the amount of loan for Purchase of Land is increased than last
year in 2008-09 it was 0.9 crore 2009-10 it was 1.5 crore and in 2010-11 it increased to 1.9
crore. Hence the amount of loan is increased.

40
 Agricultural Loan.

 Purpose of borrowing loan:-

Sr. Purpose Number of %

no. farmers
1. Irrigation 53 5%

2. Development 9 9%

3. Equipment 13 13%

4. Farming purpose 5 5%

5. Other 20 20%

Total 100 100%

m
c o
.
a
m
a
Purpose
Other 0%

yn
20%
Faming

d
Purpose

tu
Irrigation
5%
Equipment 53%

S 13%
Development
9%

Explanation:-
The above chart shows that the farmers taking loan from bank for various ourpose
like farming purpose, development, irrigation, equipment and oher purpose. In which
maximum number of farmers taking loan for irrigation is 53%.

41
 Agricultural Loan.

Chapter 5

Conclusionm
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42
 Agricultural Loan.

The project is executed by considering the financial year 2010 – 11 as a base year.

The bank is expected to have good financial position in future as it is expected to have more

customers for agriculture loan. Various facilities are provided to farmer‟s. Relation between

the branch officers & the farmers are very good. In loan schemes many farmers take loan

for irrigation i.e. Drip irrigation for horticulture plantation farmers also get subsidy for

plantation. 50% of the total cost for Drip irrigation. Bank provides many agriculture financial

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assistance other than agriculture loan like consumer loan, vehicle loan, housing loan, cold

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storage, Import – export finance. Which are useful for growth and development of agriculture
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and it helps to flourishing agriculture sector and its allied activities. Bank also creates

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awareness about agriculture loan through different medium.

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 Agricultural Loan.

Chapter 6
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BIBLIOGRAPHY .
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 Agricultural Loan.

 Bank of Maharashtra Annual Report.

 www.bankofmaharashtra.in.

 Indian Economy: Mishra & Puri, Himalaya Publication

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