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Credit Scenario in Rural Maharashtra

From 1995 to 2004, rural branches of all scheduled commercial banks declined from 2320 to 2241. In the study districts the absolute number of branches remained more or less the same (44 in Wardha, 87 in undivided Akola, and decreased from 70 to 66 in Yavatmal), but as proportion of total branches in the districts it showed a decline. Between triennium ending (TE) 1996-7 and TE 2003-4, rural deposits as a proportion of total deposits in the district decreased by 1 percentage point (from 26.4 per cent to 25.3 per cent) in Wardha, increased by 3.4 percentage point (from 17.3 per cent to 20.7 per cent) in undivided Akola and remained around 22 per cent in Yavatmal. Agricultural credit as per cent of total credit disbursed as per utilization has been declining from TE 1996-7 to TE 2003-4. An exception is Wardha where it first increased in TE 2000-1 and then decreased. The latter decrease could be because of an increase in credit to industry during TE 2003-4. This increase in credit to industry also explains the large increase in credit-deposit ratio during TE 2003-4 in Wardha. The credit deposit ratio for all scheduled commercial banks in the three study districts seems to have first decreased and then increased. The increase in recent years has been due to an increase in credit towards personal loans.

General Greenhouse Management


Greenhouse Construction
Climate Control in GH Structures
Greenhouse Management: Soil Sterilization and preparation, cultural practices in flower and vegetable cultivation
Irrigation and Fertigation Technology
Crop Protection
Post Harvest and Marketing
Ergonomics

Marketing of Horticultural Produce

Importance and Scope
Post-Harvest and Handling
Marketing Channels
Domestic & Export Marketing : Potential Markets & Procedures
Logistics and Planning
Marketing of Allied Products

FUNDING SCHEMES

Bank of Maharashtra
Minor Irrigation for Agriculturists scheme for purchase of various irrigation equipments.
Mahabank Kisan Credit Card scheme for cultivation of crops, meeting the short-term credit needs of farmers.
Farm Mechanisation for Agriculturists scheme for Purchase of Tractors/Power tillers, Harvesters, Threshers & other farm
implements.
Animal Husbandry scheme for Purchase of animals, Poultry- Broiler Farm, Layers Farm, Hatchery Sheep/Goat Rearing Construction
of Byre, and Purchase of Machinery Working Capital Requirements under
Scheme for Cultivation of fruit crops-mango, Pomegranate, Grapes etc.
Scheme for providing finance to set up of Agri-Clinics/Agribusiness Centers.
Scheme for Financing Farmers for Purchase of Agricultural land.
Scheme for Financing Two Wheelers to Farmers
Scheme for Providing Loans to Farmers for Purchase of consumer durables
Scheme for Hi-tech projects in agriculture.
Rural Godown Scheme (Gramin Bhandaran Yojana) for scientific storage of agricultural produce.
Minor Irrigation for Agriculturists


Purpose :
Digging of new wells, revitalization of existing well, purchase of oil engine, electric motor, pump set installation of pipe line, sprinkler, irrigation, drip irrigation, tube well, bore well, etc.
Eligibility : Agriculturist who owns agricultural land.
Amount : For new dug wells as per the NABARD Unit costs for equipments/estimates.
Repayment : Depending upon the repaying capacity 7 to 11 years.
Security : Mortgage of land, Hypothecation of movable assets and guarantors.
Other Terms & Conditions :
Proposed well should be located in white watershed area. It should not be in dark watershed area.