Challenges and Awareness Levels in Priority Sector Lending: A Comparative Analysis of Agriculture, MSMEs, and Weaker Sections

Registration ID: IJNRD_224266

Published ID: IJNRD2406393

DOI: Click Here to Get

Kodadi Devadas , Prof. B. Sudhakar Reddy

Agriculture PSL, Other PSL, Priority Sector Lending, Private Banks and Public Banks, SSI PSL

In the context of the Indian economy, Priority Sector Lending (PSL) is a policy initiative aimed at directing financial resources to specific sectors that are crucial for the country's development but often face challenges in accessing institutional credit. These sectors include agriculture, micro and small enterprises, and others that play a vital role in economic growth and social well-being. Despite the policy's long-standing presence since the 1970s, there is a noticeable reluctance among bank officials to disburse loans under PSL. Additionally, customers who are supposed to benefit from PSL frequently encounter obstacles in obtaining these loans. To delve deeper into this issue, a comprehensive study was conducted involving the administration of a structured questionnaire to a diverse group of participants. The sample included 450 clients representing various PSL categories such as agriculture, small businesses, education, housing, and others. The aim was to gather insights into their experiences, perceptions, and challenges related to PSL. The data collected from these questionnaires were subjected to statistical analysis using one-way Analysis of Variance (ANOVA). This method was chosen to identify any significant differences in the attitudes and experiences of different groups of participants. The analysis sought to uncover the specific reasons for the low inclination towards PSL and the difficulties faced by customers. By understanding these factors, the study aims to provide recommendations for improving the effectiveness and uptake of PSL, thereby ensuring that the intended beneficiaries can access the financial support they need.

Published Paper   E-Certificate

Kodadi Devadas & Prof. B. Sudhakar Reddy (June-2024). Challenges and Awareness Levels in Priority Sector Lending: A Comparative Analysis of Agriculture, MSMEs, and Weaker Sections. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(6), e1-e10. https://ijnrd.org/papers/IJNRD2406393.pdf

Volume 9 Issue 6, June-2024

Pages : e1-e10

Paper Reg. ID: IJNRD_224266

Published Paper Id: IJNRD2406393

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Research Area: Engineering

Country: -, -, India

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