Priority Sector Lending: First Six Month Report

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Priority-Sector-Lending-First-Six-Month-ReportAgainst a target of providing Rs 2820.91 crore credit to 207941 eligible individuals across J&K in 2010-11under the priority sector lending, the banking sector operating in J&K has provided Rs 1202.51 crore to 58580 people in first six months ending September 2010.

The 43% achievement is less by seven percent if compared to the first half of 2009-10 for which banks hold the situation responsible. J&K Bank has retained the leadership by recording a credit off take of Rs 785.15 crores followed by SBI with Rs 102.13 crores and PNB by Rs 52.01 crores.

Of this Rs 244.79 crore were provided under agriculture credit, Rs Rs 438.28 crore for the small enterprise sector, Rs 139.39 crore as micro credit, Rs 22.01 crores under education loan and Rs 358.77 crores four housing loans. Interestingly while the credit off take to vital agriculture, small enterprises, micro credit and education is between 17 and 36 percent, the achievement under housing is as huge as 197%. While the banks were supposed to extended Rs 181.77 crores to 5282 people for constructing their houses in 12 months, they ended up providing Rs 358.03 crores to 14809 people in six months.

Analysing the achievements of priority sector lending at regional level, Kashmir consumed Rs 522.39 crores of which Rs 183.03 crore were in housing sector, Rs 177.45

Crores in Small Enterprises sector, Rs 132.90 crore in agriculture, Rs 20.06 crore for Micro Credit and Rs 8.96 crore for the education. Jammu region got Rs 658.89 crores in six months of which Rs 243.56 crore was in small enterprises, Rs 172.65 crore in housing, Rs 111.35 crores for agriculture, Rs 118.53 crore as Micro Credit and Rs 12.80 crore as education loan. The two districts that form Ladakh got Rs 21.23 crore which included Rs 17.27 crores for small enterprises, Rs 2.35 crore for housing, Rs 0.80 crore as Micro Credit, Rs 0.55 crore in agriculture and Rs 0.26 crore in education.

Under non-priority sector the banks disbursed an amount of Rs 666.71 crore in last six months across the state.

 

 

Bank Lenging Across J&K Districts By September 2010 (000’s omitted)

DISTRICT

PRIORITY SECTOR

NON- PRIORITY SECTOR

ARGET

ACHIEVEMENT

%

TARGET

ACHIEVEMENT

%

Accounts (No.)

AMT.

Accounts (No.)

Amount.

Accounts (No.)

Amount

Accounts (No.)

Amount

SRINAGAR

15549

2837175

8691

1956649

69

11000

4400000

3253

2148342

49

GANDERBAL

4857

563850

1525

240697

43

2000

800000

623

84850

11

BARAMULLA

20259

2958071

3746

770799

26

7470

1083150

1319

182099

17

BANDIPORA

6724

689183

1021

195384

28

1895

288674

312

34073

12

ANANTNAG

10184

1499985

3193

540559

36

3120

312000

1300

129710

42

KULGAM

6321

919435

2583

368913

40

2000

200000

525

67700

34

PULWAMA

6979

1078888

2572

393365

36

4300

430000

505

75952

18

SHOPIAN

4778

716418

801

121501

17

2250

225000

166

26190

12

BUDGAM

11763

990783

2107

348753

35

1197

300000

771

84728

28

KUPWARA

7769

848401

1772

287263

34

7150

572414

501

70175

12

KASHMIR

95183

13102189

28011

5223883

40

42382

8611238

9275

2903819

34

POONCH

6956

414622

854

130067

31

2463

281903

650

193178

69

RAJOURI

11384

780618

2543

288436

37

5584

821689

1828

261880

32

JAMMU

46126

8314879

15668

4026985

48

26390

4339400

8116

2197646

51

SAMBA

6579

1461225

2320

667672

46

4200

420000

1355

204951

49

UDHAMPUR

8975

981010

2334

429806

44

5653

732475

1206

218842

30

REASI

6514

593575

1073

225272

38

2521

404875

274

104050

26

KATHUA

16069

1345244

2886

374663

28

5000

220000

992

341947

155

DODA

1690

233098

1016

181611

78

441

30000

161

12245

41

RAMBAN

1256

222989

688

152815

69

365

30500

159

12773

42

KISHTWAR

1270

129809

588

111535

86

300

24500

130

11244

46

JAMMU

106819

14477069

29970

6588862

46

52917

7305342

14871

3558756

49

LEH

2613

343996

341

134529

39

500

86004

653

144098

168

KARGIL

3326

285800

258

77817

27

350

35000

411

60455

173

LADAKH

5939

629796

599

212346

34

850

121004

1064

204553

169

 

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