The present study relates to all the Scheduled Commercial Banks
operating in India using the post nationalization period time
series data from the year 1970-71 onwards.The results suggested
that in respect of agricultural and non-agricultural credit
Scheduled Commercial Banks have reverse trend with each
other.Further, the result indicates that inter-state disparities in
flow of bank credit to agriculture reduced in pre-liberalization
period and the disparities increased in post-liberalization
period.Correlation results showed that higher loan recovery
performance is associated with higher flow of credit per hectare
which support the hypothesis that poor loan recovery inhibits
credit widening and deepening.Commercial banks have been
experiencing high volume of non-performing assets (NPAs). The
policy suggested to give up the conventional security oriented
approach, dispense of routine procedure of obtaining third party
guarantee, introducing deposit schemes that suit the farmers.
Further, there is a dire need for raising investment credit along
with production credit such that term loan should be in the range
of two-third to three-fourth of the total agricultural lo
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