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A STUDY ON PRIORITY SECTOR LENDING AND ITS PERFORMANCE AT KARNATAKA BANK, HO, M’LORE
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A STUDY ON PRIORITY SECTOR LENDING AND ITS PERFORMANCE AT KARNATAKA BANK, HO, M’LORE


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INTRODUCTION:

The government of India through the instrument of reserve bank of India mandates certain type of lending on the banks operating in India irrespective of their origin. RBI sets targets in terms of percentage (of total money lent by the banks) to be lent to certain sectors, which in RBI’s perception would not have had access to organized lending market or could not afford to pay the interest at the commercial rate. This type of lending is called priority sector lending. Financing of Small Scale Industry, Small business, Agricultural Activities and Export activities fall under this category. This is also called directed credit in Indian banking system.
Financing Priority Sector in the economy is not strictly on commercial basis as not only the general approach is liberal but also the rate of interest charged on such loans is less. Export finance is, in fact, available at a discount of 20% or more on the normal rate of interest of Indian corporate. Part of the cost of this concession is borne by RBI by means of refinancing such loans at concessional rate. Indian banks, therefore, contribute towards economic development of the country by subsidizing the business activities undertaken by entrepreneurs in the areas which are consider “priority sector” by RBI.

COMPANY PROFILE

The success story of any organization are shown by visionary entrepreneurs perceiving a potential opportunity and relating to their common aspiration and growing concern through collective efforts, shared vision and with a definite purpose. They are guided by their own philosophy that gets reflected in the various initiatives and activities of their organization. Through an effective percolation of such a philosophy to all levels, they transform excellence into a way of life in their functioning. The success story of the Karnataka bank limited is no exception.
Setting up of service industries has been a hallmark of the entrepreneurial skill of the people of Dakshina Kannada. Karnataka state occupies a unique place in the nation’s banking history. The people of this district have always exhibited an innovative and adventurous spirit, which coupled with their inherent entrepreneurial abilities, served as one of the pillars of the progress of the district. The lawyers and agriculturists of Dakshina Kannada joined together and established the bank on 18 Feb 1924. Its incorporation was obtained from the District Asst. Registrar of Joint Stock Company. The founder of the bank named it as Karnataka bank much before the old Mysore state was officially renamed as the Karnataka state.

Objectives:

1. To understand the concept of lending activities in the bank.
2. To analyse the RBI guidelines and the priority sector lending activities at Karnataka bank.
3. To know the procedures of priority sector lending adopted by the bank.
4. To analyze the margin ,requirements followed by the Karnataka bank
5. To make recommendation and suggestion

Methodology of the data collection

The study include both descriptive and survey based study and the required information is to be collected from the bank.
The required data for the study are to be collected mainly from the two sources. The primary sources and the secondary sources.
Primary sources includes the data collection through observation,discussions and personal interview with the officials of the credit department of the Karnataka bank.
Secondary source information will be collected through internet, books from the library, annual reports ,journals, circulars, and the records of the bank.
 

Marked Categories : priority sector, performance of commercial banks towards priority sector lending in karnataka, a study on priority sectors lending and its impact on economy, priority sector lending karnataka bank, full project reort on priority sector lending, topics on priority sector lending by commercial banks in india, threads in priority sector lending, priority sector lending related projects, a study on priority sector lending and its performance at karnataka bank, project on priority sector lending, study of priority sector lending in india, project on priority sector lending of corporate banks, project report on priority sector lending, karnataka bank priority,

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