Loan Disbursement by RRBs of Haryana (With Special Reference to SC/ST, Minorities & SF/MF/LAL)

Abstract

The main aim with which RRBs were established was to provide banking services to those areas and sections of society which had least penetration of these services. The objective of the present study is to analyze the performance of RRBs of Haryana on the Loan Disbursement to Scheduled Castes/ Scheduled Tribes, Minorities and Small Farmers/ Marginal Farmers/ Landless Agricultural Labourers in pre-merger and post merger time period. The analysis is based on secondary data collected from various sources. This study is divided into two parts:- a) Loan Disbursement by Gramin Banks to Scheduled Castes/ Scheduled Tribes, Minorities and  Small Farmers/ Marginal Farmers/ Landless Agricultural Labourers (Pre-Merger) b)  Loan Disbursement by Gramin Banks to Scheduled Castes/ Scheduled Tribes, Minorities and Small Farmers/ Marginal Farmers/ Landless Agricultural Labourers (post-merger). The pre-merger period spans from year 2000-2001 to 2004-2005. The banks covered under this period include: Haryana Kshetriya Gramin Bank, Hisar Sirsa Kshetriya Gramin Bank, Ambala Kurukshetra Gramin Bank and Gurgaon Gramin bank. In case of Post-merger only two banks are left, i.e. Haryana Gramin Bank and Gurgaon Gramin Bank and time period of the study is from year 2005-06 to 2012-13. For the analysis of results, these techniques have been applied, i.e. Tabular Analysis, ANOVA, t-test. Present study shows that the loan disbursement and their consistency level were more in case of post merger.