Data Analysis
6.1 Introduction
6.2 Analytical Study of Development of Agriculture Sector
6.2.1. Age of Farmers
6.2.2. Classification of Gender of Farmers
6.2.3. Annual Income of Farmers
6.2.4. Education of Farmers
6.2.5. Background of Farmers
6.2.6. Nature of Farming
6.2.7. Land Holding of Farmers
6.2.8. Type of Land
6.2.9. Water Sources of Land
6.2.10. Supply of Water to Farmers
6.2.11. Crops (Cropping Pattern)
6.2.12. Crop Insurance
6.2.13. Crop Storage Infrastructure
6.2.14. Activities Allied to Agriculture
6.2.15. Techniques of Farming
6.2.16. Awareness among Farmers Regarding Central Bank of India
as a 'Lead Bank'
6.2.17. Schemes of Central Bank of India
6.2.18. Comparison of Central Bank of India with Other Banks
6.2.19. Source of Information about CBI
6.2.20. Reason of Selection of Central Bank of India
6.2.21. Behavior of Bank Executives
6.2.22. Amount of Loan
6.2.23. Purpose of Loan
6.2.24. Loan Sanctioning Process
6.2.25. Time Required for Loan Sanctioning Process
6.2.26. Sufficiency of Loan Amount
6.2.27. Utilization of Loan Amount
6.2.28. Repayment of Loan
6.2.29. Problems in Repayment
6.2.30. Regulation of Use of Loan Amount
6.2.31. Increase in Production (Annual Turnover)
6.2.32. Impact on Standard of Living
6.2.33. Contribution of CBI in Development of Agriculture Sector
6.2.34. Contribution of CBI in Development of Ahmednagar District
6.2.35. Infrastructural Facilities
6.4 Analytical Study of Development of Business Sector
6.3.1. Bank Branch wise classification of selected borrowers
6.3.2. Branch wise and Type of Enterprise wise Classification of
Borrowers (Business Sector - Factory Manufacturing)
6.3.3. Branch wise and Trading Activities wise Classification of
Borrowers (Business Sector - Trading)
6.3.4. Branch wise and Service wise Classification of Borrowers
(Business Sector - Services)
6.3.5. Age of Borrowers (Business Sector)
6.3.6. Gender of Borrowers
6.3.7. Annual Income of Borrowers
6.3.8. Education of Borrowers
6.3.9. Background of the Borrowers
6.3.10. Reason of Selection of Present Business
6.3.11. Type of Business
6.3.12. Technical Knowledge or Training
6.3.13. Financial Assistance Other Than Central Bank of India
6.3.14. Awareness Regarding 'Central Bank of India' as 'Lead Bank':
6.3.15. Knowledge of Schemes of Central Bank of India
6.3.16. Comparison of Central Bank of India With Other Banks
6.3.17. Source of Information About CBI
6.3.18. Reasons of Selection of Central Bank of India
6.3.19. Behavior of Bank Executives
6.3.20. Amount of Loan
6.3.21. Loan Sanction Process of Central Bank of India
6.3.22. Time Required For Loan Sanctioning Process
6.3.23. Sufficiency of Loan Amount
6.3.24. Utilization of Loan Amount
6.3.25. Problems in Repayment of Loan
6.3.26. Regulation of Use of Loan Amount
6.3.27. Advantages of Schemes of Central Bank of India
6.3.28. Increase in Total Turnover and Production
6.3.29. Impact on Standard of Living
6.3.30. Contribution of Central Bank of India in the development of
Business Sector
6.3.31. Contribution of Central Bank of India in the development of
Ahmednagar District
6.4 Analysis of Bank Executives Questionnaires
6.4.1. Network of Central Bank of India in Ahmednagar
6.4.2. Area wise Classification and year of Establishment of
Selected Sample Branches of Central Bank of India in
Ahmednagar District
6.4.3. Human Resources (Employees)
6.4.4. Lack of Employees
6.4.5. ATM Facility
6.4.6. Distribution of Loan as per Priority Percentage
6.4.7. Maximum financed sector (2001-02 to 2010-11)
6.4.8. Problems Faced by Bank Executives, in implementing the
schemes
6.4.9. Loan Process of Central Bank of India
6.4.10. Regulation of Utilization of Loan Amount
6.4.11. Percentage of NPA
6.4.12. Experience About Repayment
6.4.12.1. Agriculture Sector
6.4.12.2. Business Sector
6.3.1. Experience about Loan Repayment of Loan by Male and
Female Borrowers
Chapter 6
Data Analysis
6.1. Introduction :
Nationalized Banks have played a very vital role in the
development of agriculture and business sector in urban and rural
area of Ahmednagar district. Since the district is basically village
oriented with a powerful agrarian economy; it is but natural that the
institutions set up to finance rural needs have a rural inclination. The
commercial banks operating in the district have a rural inclination.
Ahmednagar district is the largest of Maharashtra with geographical
area of 17413 sq. km spread over 14 blocks and 14 Tahsils. The
network of bank branch is also sizeable with 258 branches of
commercial banks and 295 branches of co-operative banks, are
catering to the needs of customers of the Ahmednagar district.
18 to 30 26 14.44
31 to 45 138 76.67
46 to 60 12 06.67
61 - Above 4 02.22
Source : Primary Data
Table shows,
1. Farmers of young age groups are involved in farming in a
large scale i.e. 91.11 percent. New generation introduced
in farming at a very young age.
2. There are only 2.22 percent farmers in 61 above age
group. After the 45 years of age, farmers handover the
charge to next generation.
42
Male
Femal
e
138
Table shows,
1. 76.67 percent of the farmers are male farmers and 23.33
percent are female farmers, with somewhat property.
2. The ratio of Male : Female is 3:1, but it is not
disappointing one. It means that, females are not just
shouldering the tasks involved in farming, but they are
also sharing and performing financial responsibilities of
farming.
3. It reveals that, young women are involved in farming.
Women are supporting their families for performing
agricultural activities not only physically but also through
sharing financial responsibilities. Most important
conclusion is, (society) males are accepting the rights of
women in the family maters, by admitting women as
partner in land holdings.
0 10 20 30 40 50
No of Respondants
Table shows -
1. 95.56 percent respondents are involved in traditional
farming. In India, generally farmers never sold their land
and hand over it to next generation. So, farming is an
ancestral business.
Table shows -
1. 63.33 percent farmers are independent or individual.
2. 32.22 percent farmers are from joint family system.
3. 4.44 percent farmers have adopted contract farming
system and no one has corporate farming.
Large no. of farmers are individual. Joint family system is
popular to India. The farmers who have manpower but not having
land can contract with other farmers for farming on the basis of some
terms and conditions.
Table shows -
1. 38.89 percent farmers are holding upto 2.5 acre land and
38.33 percent farmers hold 2.5 to 5 acre land. It means,
maximum farmers land holding is low.
2. 16.11 percent farmers have 5 to 10 acres land.
3. Only 6.67 percent farmers hold more than 10 acre land.
Table shows -
1. 63.88 percent farmers have irrigated land and 36.11
percent farmers have non-irrigated land.
2. Though the land is from drought prone zone but with the
help of irrigation techniques now it is irrigated one.
50
40
30 24.44
21.67 Percentage
20
10 3.89
0
Well River Canal Any Two
Sources
Table shows -
1. 62.22 percent farmers have well, as the only water source
for irrigation.
2. 24.44 percent farmers depends upon river for their
farming / irrigation.
3. 3.89 percent farmers depends on canals for water supply.
4. 21.67 percent farmers has selected any two options i.e.
well and river, well and canal, river and canal etc.
Hence, it reveals that, majority farmers are depending on
wells as the water source in Ahmednagar district.
6.2.10. Supply of Water to Farms :
Drip 35 19.44
Sprinklers 68 37.77
Supply of Water
by means of 77 42.77
channels
Total 180 100
Source : Primary data
19.44%
42.77% Drip
Sprinkler
By Channels
37.77%
Table shows -
1. 42.77 percent farmers are using the traditional method of
supply of water by means of channels. As the technical
methods like sprinklers, drip are costly so it may not be
possible for small farmers.
2. 37.77 percent farmers are using sprinklers for irrigation.
As sprinklers are useful for various types of crops (upto 2
to 3 feet height) hence, now a days various farmers are
using this method and water wastage can be controlled.
3. 19.44 percent farmers are using drip system for irrigation.
50
40 35
30
22
20
11
10 No. of Respondants
Table shows -
1. 31.11 percent farmers are producing vegetables as land
holding proportion in Ahmednagar district is low, hence
farmers are growing vegetables which are of limited time
period and profit margin is greater than any other crop.
Tomato, Onion, Goard, Brinjal, Green Peas, Cauliflower,
Cabbage such vegetables are grown by the farmers.
2. 31.11 percent farmers have selected more than one
option. Grain and fruits (22), Fruits, sugarcane and cotton
(17), Sugarcane, cotton and vegetables (22), Grains, oil
seeds, vegetables, sugarcane and cotton (12). Due to
irrigation facility farmers are growing various types of
crops.
3. 19.44 percent farmers are producing sugarcane and
cotton. Actually cotton is not traditional crop of
Ahmednagar district. But in last few years, farmers from
scarcity zone as well as irrigated zone is interested in
growing cotton.
4. 12.22 percent farmers are growing fruits like Grapes,
pomegranate, sweet lime, watermelon etc. Now a days
with the help of irrigation techniques and advanced
fertilizers, pesticides farmers are growing such expensive
crops.
5. 6.11 percent farmers are producing grains i.e. wheat,
jawar, bajra and other items. As land holding is very low
so it is profitable to grow cash crops like vegetables /
sugarcane / fruits etc. instead of grains.
No 94 52.22
Yes 86 47.78
Total 180 100
Source : Primary Data
Table shows -
1. 52.22 percent farmers don't have crop insurance.
Generally these farmers are grain, cotton, vegetables
producers.
2. 47.78 percent farmers are having crop insurance. These
farmers are producing fruits like grapes, pomegranate,
sweet lime and sugarcane.
No. of Percentage
Respondents (percent)
Table shows -
1. 61.11 percent farmers have crop storage facility with
them and 38.89 percent farmers don't have crop storage
facility.
2. It reveals that, various farmers have crop storage facility
in their own house, farm, shed. Crops like onion, grain,
pulses, potato storage is essential till prices increased
upto a profitable level. Such storage should be
scientifically constructed one, so that the crop can be
preserved with its original quality.
Poultry 6 3.33
Dairy 143 79.44
Goat Farming 9 5.00
Other 10 5.56
Multiple 12 6.67
Total 180 100
Source : Primary Data
160
140
120
100
80
60 No. of Respondants
40
20
0
Poultry Dairy Goat Other Multiple
Farming
Table shows -
1. 79.44 percent farmers are having Dairy, 3.33 percent
farmers have Poultry, 5 percent farmers have Goat
farming activity with agriculture. 5.56 percent farmers
have other activities.
2. 6.67 percent farmers have multiple activities like Poultry
and Dairy, Dairy and Goat farming, Poultry and Goat
farming.
It reveals that, Dairy activity is now the most important
economic pursuit of farmers after agriculture in Ahmednagar
district. No. of co-operative Dairy Society, adequate no. of
vehicles for transportation of milk, milk processing plants
adequacy are the major reasons behind development of Dairy
activity in Ahmednagar district. Due to recession in last few years
in Poultry business, it is not developed in a large scale in
Ahmednagar district and Goat farming is not viewed as
professional or profit motive view in Ahmednagar district.
Traditional 56 31.11
Modern 124 68.89
Total 180 100
Source : Primary Data
Table shows -
1. 68.89 percent farmers are using modern techniques of
farming such as - Tractors, Electric Motors, Drip,
Sprinklers, Machinery to prepare crops.
2. 31.11 percent farmers are not using modern techniques,
they are using traditional methods to do farming.
Yes
No
94%
Table shows -
1. 93.89 percent farmers are aware about the lead bank
scheme, and 6.11 percent farmers don't have any idea
regarding Central Bank of India as lead bank.
2. In rural area, many villages have Central Bank of India as
the only nationalized bank and scheme, programs,
information broadcasted by bank executives spread
quickly by mouth publicity. Hence maximum farmers
know the position of Central Bank of India.
The needful is always searching for the solution, so
farmers always want capital (finance) for development is always
in search of loans facilities so, he is aware about the schemes of
the banks.
Table shows -
1. 93.89 percent farmers are familiar with the different
schemes of Central Bank of India
2. 6.11 percent farmers are not familiar to the schemes of
Central Bank of India.
In rural area, where only one or two banks are in the village,
it's very easy for manager and also for farmers to ask for
information regarding schemes which are beneficial to
agricultural sector.
Table shows -
1. 55 percent farmers never compare Central Bank of India
with other banks.
2. 45 percent farmers have compared Central Bank of India
with the available options, before taking loan.
Table shows -
1. 67.22 percent farmers (121) get the information about
banks through their relatives. As in rural area, farmers
have a network of relatives in the same village.
2. 18.33 percent farmers get the information from Gram
Panchayat Office, 7.22 percent from Panchayat Samiti,
6.12 percent from Advertisement and 1.11 percent from
Zilha Parishad.
4%
17%
Close to you
Reputation
70%
Table shows -
1. 70 percent farmers have selected Central Bank of India
because it is a Lead Bank of Ahmednagar district. As a
Lead Bank it provides various scheme to farmers.
2. 16.67 percent farmers says that, it is close to them. Day to
day visit to bank to complete banking procedure, it is
convenient for farmer to select the nearer bank.
3. 8.89 percent farmers are familiar with the bank
executives, hence they selected Central Bank of India
4. 4.44 percent farmers have selected Central Bank of India
because of its reputation.
It's very difficult to a farmer to follow the banking procedure
of loan sanction in his busy schedule. So selection of nearer bank
is better option.
Table shows -
1. As per opinion of 93.89 percent farmers bank executives
are co-operative..
2. As per experience of 4.44 percent farmers officers of CBI
are not co-operative.
3. 1.67 percent farmers says that, bank executives are rude
in nature.
Table shows -
1. 45 percent farmers are from to 2nd group i.e. Rs. 50,000/-
to Rs. 1,50,000/- loan amount.
2. 27.78 percent farmers are from to 1st group i.e. upto Rs.
50,000/- loan amount.
3. 21.11 percent farmers are from to 3rd group i.e. Rs.
1,50,000/- to Rs. 3,00,000/- loan amount.
4. 6.11 percent farmers are belonging to highest loan
amount 4th group i.e. Rs. 3,00,000/- and above.
Table shows -
1. 35.56 percent farmers have taken loan for 'Crop Loan'
which is agriculture activity.
2. 64.44 percent farmers have taken loan for non
non-
agricultural activities viz. dairy, poultry, well/tube well,
pipeline, shed.
Complicated 4 2.22
Easy 137 76.11
Proper 38 21.11
Time Consuming 1 0.56
Total 180 100
Source : Primary Data
Table shows -
1. 76.11 percent farmers experience that loan sanction
process of Central Bank of India is simple and easy to
understand.
2. 21.11 percent farmers feel that, procedure is proper,
means bank executives should compel borrowers to
follow the procedure.
3. 2.22 percent farmers feel that, it is complicated. The
documents to be attached, signature of guarantor, no
objection certificates and documents of land for
hypothecation, English language, various types of
certificates may take time to collect.
4. 0.56 percent farmers experience that, process is time
consuming.
The borrower should be reliable, the provided documents
must be authentic, so for such purpose bank executive has to
compel some documents or process to farmers but it is a
procedure of banking practice.
15 Days 95 52.78
1 Month 77 42.78
More than 1 Month 8 4.44
Total 180 100
Source : Primary Data
Table shows -
1. As per opinion of 42.78 percent farmers the loan was
sanctioned in one month.
2. 52.78 percent farmers experienced that, loan was
sanctioned within 15 days.
3. 4.44 percent farmers says that, loan was sanction process
required more than one month.
Yes 162 90
No 18 10
Total 180 100
Source : Primary Data
Table shows -
7%
93%
Table shows -
1. 93.33 percent borrowers are utilizing the loan amount for
the same purpose.
2. 6.67 percent borrowers are not utilizing the loan amount
properly. They diversify the loan for other purpose.
Table shows -
1. 93.33 percent farmers are repaying the loan installments
regularly.
Yes 34 18.89
No 146 81.11
Total 180 100
Source : Primary Data
Table shows -
1. 81.11 percent borrowers are not facing any problem in
repayment and they arrange repayment of loan regularly.
Always Visits 90 50
Enquires to others 3 1.67
Enquires to Local
1 0.56
Leaders
Enquires to
71 39.44
Beneficiary
More than One 14 7.78
Total 180 100
Source : Primary Data
14
Always Visits
90 Enquires others
71
Enquires to Local Leaders
Enquires to Beneficiary
More than one
13
Table shows -
1. 50 percent farmers says that, bank executives always
visits to the farmer site and observe the progress and
utilization of loan amount.
2. As per opinion of 39.44 percent farmers, bank executives
always enquires to beneficiary (borrowers) regarding
progress of the project.
3. 7.78 percent ffarmers
armers have selected more than one option.
Always visits and enquires to others (3), enquires to local
leaders and beneficiary (5), always visits and enquires to
beneficiary (6)
4. 1.67 percent farmers says that bank executives enquires
to others.
5. 0.56 percent farmers says that bank executives enquires
to local leaders.
Yes
No
97%
Table shows -
1. Financial assistance is useful to 96.66 percent of
agricultural borrower. Production and productivity of
land is increased.
2. Only 3.34 percent farmer's agricultural production was
not increased. But diversification of loan is the main
reason.
Four Wheeler
Agri. Equipments
Debit Card
Increase in Annual…
Two Wheeler
Consumer Durables
Table reveals that -
1. 76.11 percent farmers have cement concrete house, 71.11
percent are having consumer durables.
2. 97.77 percent farmers have two wheelers, 95.55 percent
avail modern agriculture equipment, 92.77 percent
beneficiaries have ATM card, 96.66 percent have mobile
phone and 95.55 percent farmers have accepted that there
is increase in annual income. It shows improvement in
standard of living of farmers.
Table shows -
1. 93.33 percent farmers (168) feels that, Central Bank of
India is contributing in the development of Agricultural
sector.
2. 6.67 percent farmers (12) feels that, Central Bank of India
is not contributing in the development of Agricultural
sector.
It reveals that,
a) 93 percent farmers feels that, it is Central Bank of
India's contribution in the development of
Ahmednagar district.
b) Central Bank of India is financing in various sectors
of society like Agriculture, Industry, Business,
Trading etc.
For last 40 years continuously bank is providing finance to
the farmers, artisans, youth, entrepreneurs etc. Hence it's
bank's contribution in the development of Ahmednagar
district.
Table shows -
1. Basic infrastructural facilities like electricity, primary
education and private health care facility is available to
all the sample borrowers.
Data Analysis
6.4 Introduction
6.4 Analytical Study of Development of Agriculture Sector
6.3.1. Age of Farmers
6.3.2. Classification of Gender of Farmers
6.3.3. Annual Income of Farmers
6.3.4. Education of Farmers
6.3.5. Background of Farmers
6.3.6. Nature of Farming
6.3.7. Land Holding of Farmers
6.3.8. Type of Land
6.3.9. Water Sources of Land
6.3.10. Supply of Water to Farmers
6.3.11. Crops (Cropping Pattern)
6.3.12. Crop Insurance
6.3.13. Crop Storage Infrastructure
6.3.14. Activities Allied to Agriculture
6.3.15. Techniques of Farming
6.3.16. Awareness among Farmers Regarding Central Bank of India
as a 'Lead Bank'
6.3.17. Schemes of Central Bank of India
6.3.18. Comparison of Central Bank of India with Other Banks
6.3.19. Source of Information about CBI
6.3.20. Reason of Selection of Central Bank of India
6.3.21. Behavior of Bank Executives
6.3.22. Amount of Loan
6.3.23. Purpose of Loan
6.3.24. Loan Sanctioning Process
6.3.25. Time Required for Loan Sanctioning Process
6.3.26. Sufficiency of Loan Amount
6.3.27. Utilization of Loan Amount
6.3.28. Repayment of Loan
6.3.29. Problems in Repayment
6.3.30. Regulation of Use of Loan Amount
6.3.31. Increase in Production (Annual Turnover)
6.3.32. Impact on Standard of Living
6.3.33. Contribution of CBI in Development of Agriculture Sector
6.3.34. Contribution of CBI in Development of Ahmednagar District
6.3.35. Infrastructural Facilities
6.4 Analytical Study of Development of Business Sector
6.3.1. Bank Branch wise classification of selected borrowers
6.3.2. Branch wise and Type of Enterprise wise Classification of
Borrowers (Business Sector - Factory Manufacturing)
6.3.3. Branch wise and Trading Activities wise Classification of
Borrowers (Business Sector - Trading)
6.3.4. Branch wise and Service wise Classification of Borrowers
(Business Sector - Services)
6.3.5. Age of Borrowers (Business Sector)
6.3.6. Gender of Borrowers
6.3.7. Annual Income of Borrowers
6.3.8. Education of Borrowers
6.3.9. Background of the Borrowers
6.3.10. Reason of Selection of Present Business
6.3.11. Type of Business
6.3.12. Technical Knowledge or Training
6.3.13. Financial Assistance Other Than Central Bank of India
6.3.14. Awareness Regarding 'Central Bank of India' as 'Lead Bank':
6.3.15. Knowledge of Schemes of Central Bank of India
6.3.16. Comparison of Central Bank of India With Other Banks
6.3.17. Source of Information About CBI
6.3.18. Reasons of Selection of Central Bank of India
6.3.19. Behavior of Bank Executives
6.3.20. Amount of Loan
6.3.21. Loan Sanction Process of Central Bank of India
6.3.22. Time Required For Loan Sanctioning Process
6.3.23. Sufficiency of Loan Amount
6.3.24. Utilization of Loan Amount
6.3.25. Problems in Repayment of Loan
6.3.26. Regulation of Use of Loan Amount
6.3.27. Advantages of Schemes of Central Bank of India
6.3.28. Increase in Total Turnover and Production
6.3.29. Impact on Standard of Living
6.3.30. Contribution of Central Bank of India in the development of
Business Sector
6.3.31. Contribution of Central Bank of India in the development of
Ahmednagar District
6.4 Analysis of Bank Executives Questionnaires
6.3.1. Network of Central Bank of India in Ahmednagar
6.3.2. Area wise Classification and year of Establishment of
Selected Sample Branches of Central Bank of India in
Ahmednagar District
6.3.3. Human Resources (Employees)
6.3.4. Lack of Employees
6.3.5. ATM Facility
6.3.6. Distribution of Loan as per Priority Percentage
6.3.7. Maximum financed sector (2001-02 to 2010-11)
6.3.8. Problems Faced by Bank Executives, in implementing the
schemes
6.3.9. Loan Process of Central Bank of India
6.3.10. Regulation of Utilization of Loan Amount
6.3.11. Percentage of NPA
6.3.12. Experience About Repayment
6.4.12.1. Agriculture Sector
6.4.12.2. Business Sector
6.3.13. Experience about Loan Repayment of Loan by Male and
Female Borrowers
Chapter 6
Data Analysis
6.3. Introduction :
Nationalized Banks have played a very vital role in the
development of agriculture and business sector in urban and rural
area of Ahmednagar district. Since the district is basically village
oriented with a powerful agrarian economy; it is but natural that the
institutions set up to finance rural needs have a rural inclination. The
commercial banks operating in the district have a rural inclination.
Ahmednagar district is the largest of Maharashtra with geographical
area of 17413 sq. km spread over 14 blocks and 14 Tahsils. The
network of bank branch is also sizeable with 258 branches of
commercial banks and 295 branches of co-operative banks, are
catering to the needs of customers of the Ahmednagar district.
18 to 30 26 14.44
31 to 45 138 76.67
46 to 60 12 06.67
61 - Above 4 02.22
Source : Primary Data
Table shows,
1. Farmers of young age groups are involved in farming in a
large scale i.e. 91.11 percent. New generation introduced
in farming at a very young age.
2. There are only 2.22 percent farmers in 61 above age
group. After the 45 years of age, farmers handover the
charge to next generation.
42
Male
Femal
e
138
Table shows,
1. 76.67 percent of the farmers are male farmers and 23.33
percent are female farmers, with somewhat property.
2. The ratio of Male : Female is 3:1, but it is not
disappointing one. It means that, females are not just
shouldering the tasks involved in farming, but they are
also sharing and performing financial responsibilities of
farming.
3. It reveals that, young women are involved in farming.
Women are supporting their families for performing
agricultural activities not only physically but also through
sharing financial responsibilities. Most important
conclusion is, (society) males are accepting the rights of
women in the family maters, by admitting women as
partner in land holdings.
0 10 20 30 40 50
No of Respondants
Table shows -
3. 95.56 percent respondents are involved in traditional
farming. In India, generally farmers never sold their land
and hand over it to next generation. So, farming is an
ancestral business.
Table shows -
1. 63.33 percent farmers are independent or individual.
2. 32.22 percent farmers are from joint family system.
3. 4.44 percent farmers have adopted contract farming
system and no one has corporate farming.
Large no. of farmers are individual. Joint family system is
popular to India. The farmers who have manpower but not having
land can contract with other farmers for farming on the basis of some
terms and conditions.
Table shows -
4. 38.89 percent farmers are holding upto 2.5 acre land and
38.33 percent farmers hold 2.5 to 5 acre land. It means,
maximum farmers land holding is low.
5. 16.11 percent farmers have 5 to 10 acres land.
6. Only 6.67 percent farmers hold more than 10 acre land.
Table shows -
3. 63.88 percent farmers have irrigated land and 36.11
percent farmers have non-irrigated land.
4. Though the land is from drought prone zone but with the
help of irrigation techniques now it is irrigated one.
50
40
30 24.44
21.67 Percentage
20
10 3.89
0
Well River Canal Any Two
Sources
Table shows -
5. 62.22 percent farmers have well, as the only water source
for irrigation.
6. 24.44 percent farmers depends upon river for their
farming / irrigation.
7. 3.89 percent farmers depends on canals for water supply.
8. 21.67 percent farmers has selected any two options i.e.
well and river, well and canal, river and canal etc.
Hence, it reveals that, majority farmers are depending on
wells as the water source in Ahmednagar district.
6.4.10. Supply of Water to Farms :
Drip 35 19.44
Sprinklers 68 37.77
Supply of Water
by means of 77 42.77
channels
Total 180 100
Source : Primary data
19.44%
42.77% Drip
Sprinkler
By Channels
37.77%
Table shows -
4. 42.77 percent farmers are using the traditional method of
supply of water by means of channels. As the technical
methods like sprinklers, drip are costly so it may not be
possible for small farmers.
5. 37.77 percent farmers are using sprinklers for irrigation.
As sprinklers are useful for various types of crops (upto 2
to 3 feet height) hence, now a days various farmers are
using this method and water wastage can be controlled.
6. 19.44 percent farmers are using drip system for irrigation.
50
40 35
30
22
20
11
10 No. of Respondants
Table shows -
6. 31.11 percent farmers are producing vegetables as land
holding proportion in Ahmednagar district is low, hence
farmers are growing vegetables which are of limited time
period and profit margin is greater than any other crop.
Tomato, Onion, Goard, Brinjal, Green Peas, Cauliflower,
Cabbage such vegetables are grown by the farmers.
7. 31.11 percent farmers have selected more than one
option. Grain and fruits (22), Fruits, sugarcane and cotton
(17), Sugarcane, cotton and vegetables (22), Grains, oil
seeds, vegetables, sugarcane and cotton (12). Due to
irrigation facility farmers are growing various types of
crops.
8. 19.44 percent farmers are producing sugarcane and
cotton. Actually cotton is not traditional crop of
Ahmednagar district. But in last few years, farmers from
scarcity zone as well as irrigated zone is interested in
growing cotton.
9. 12.22 percent farmers are growing fruits like Grapes,
pomegranate, sweet lime, watermelon etc. Now a days
with the help of irrigation techniques and advanced
fertilizers, pesticides farmers are growing such expensive
crops.
10. 6.11 percent farmers are producing grains i.e. wheat,
jawar, bajra and other items. As land holding is very low
so it is profitable to grow cash crops like vegetables /
sugarcane / fruits etc. instead of grains.
No 94 52.22
Yes 86 47.78
Total 180 100
Source : Primary Data
Table shows -
3. 52.22 percent farmers don't have crop insurance.
Generally these farmers are grain, cotton, vegetables
producers.
4. 47.78 percent farmers are having crop insurance. These
farmers are producing fruits like grapes, pomegranate,
sweet lime and sugarcane.
No. of Percentage
Respondents (percent)
Table shows -
1. 61.11 percent farmers have crop storage facility with
them and 38.89 percent farmers don't have crop storage
facility.
2. It reveals that, various farmers have crop storage facility
in their own house, farm, shed. Crops like onion, grain,
pulses, potato storage is essential till prices increased
upto a profitable level. Such storage should be
scientifically constructed one, so that the crop can be
preserved with its original quality.
Poultry 6 3.33
Dairy 143 79.44
Goat Farming 9 5.00
Other 10 5.56
Multiple 12 6.67
Total 180 100
Source : Primary Data
160
140
120
100
80
60 No. of Respondants
40
20
0
Poultry Dairy Goat Other Multiple
Farming
Table shows -
3. 79.44 percent farmers are having Dairy, 3.33 percent
farmers have Poultry, 5 percent farmers have Goat
farming activity with agriculture. 5.56 percent farmers
have other activities.
4. 6.67 percent farmers have multiple activities like Poultry
and Dairy, Dairy and Goat farming, Poultry and Goat
farming.
It reveals that, Dairy activity is now the most important
economic pursuit of farmers after agriculture in Ahmednagar
district. No. of co-operative Dairy Society, adequate no. of
vehicles for transportation of milk, milk processing plants
adequacy are the major reasons behind development of Dairy
activity in Ahmednagar district. Due to recession in last few years
in Poultry business, it is not developed in a large scale in
Ahmednagar district and Goat farming is not viewed as
professional or profit motive view in Ahmednagar district.
Traditional 56 31.11
Modern 124 68.89
Total 180 100
Source : Primary Data
Table shows -
1. 68.89 percent farmers are using modern techniques of
farming such as - Tractors, Electric Motors, Drip,
Sprinklers, Machinery to prepare crops.
2. 31.11 percent farmers are not using modern techniques,
they are using traditional methods to do farming.
Yes
No
94%
Table shows -
3. 93.89 percent farmers are aware about the lead bank
scheme, and 6.11 percent farmers don't have any idea
regarding Central Bank of India as lead bank.
4. In rural area, many villages have Central Bank of India as
the only nationalized bank and scheme, programs,
information broadcasted by bank executives spread
quickly by mouth publicity. Hence maximum farmers
know the position of Central Bank of India.
The needful is always searching for the solution, so
farmers always want capital (finance) for development is always
in search of loans facilities so, he is aware about the schemes of
the banks.
Table shows -
3. 93.89 percent farmers are familiar with the different
schemes of Central Bank of India
4. 6.11 percent farmers are not familiar to the schemes of
Central Bank of India.
In rural area, where only one or two banks are in the village,
it's very easy for manager and also for farmers to ask for
information regarding schemes which are beneficial to
agricultural sector.
Table shows -
3. 55 percent farmers never compare Central Bank of India
with other banks.
4. 45 percent farmers have compared Central Bank of India
with the available options, before taking loan.
Table shows -
4. 67.22 percent farmers (121) get the information about
banks through their relatives. As in rural area, farmers
have a network of relatives in the same village.
5. 18.33 percent farmers get the information from Gram
Panchayat Office, 7.22 percent from Panchayat Samiti,
6.12 percent from Advertisement and 1.11 percent from
Zilha Parishad.
4%
17%
Close to you
Reputation
70%
Table shows -
5. 70 percent farmers have selected Central Bank of India
because it is a Lead Bank of Ahmednagar district. As a
Lead Bank it provides various scheme to farmers.
6. 16.67 percent farmers says that, it is close to them. Day to
day visit to bank to complete banking procedure, it is
convenient for farmer to select the nearer bank.
7. 8.89 percent farmers are familiar with the bank
executives, hence they selected Central Bank of India
8. 4.44 percent farmers have selected Central Bank of India
because of its reputation.
It's very difficult to a farmer to follow the banking procedure
of loan sanction in his busy schedule. So selection of nearer bank
is better option.
Table shows -
4. As per opinion of 93.89 percent farmers bank executives
are co-operative..
5. As per experience of 4.44 percent farmers officers of CBI
are not co-operative.
6. 1.67 percent farmers says that, bank executives are rude
in nature.
Table shows -
5. 45 percent farmers are from to 2nd group i.e. Rs. 50,000/-
to Rs. 1,50,000/- loan amount.
6. 27.78 percent farmers are from to 1st group i.e. upto Rs.
50,000/- loan amount.
7. 21.11 percent farmers are from to 3rd group i.e. Rs.
1,50,000/- to Rs. 3,00,000/- loan amount.
8. 6.11 percent farmers are belonging to highest loan
amount 4th group i.e. Rs. 3,00,000/- and above.
Table shows -
3. 35.56 percent farmers have taken loan for 'Crop Loan'
which is agriculture activity.
4. 64.44 percent farmers have taken loan for non
non-
agricultural activities viz. dairy, poultry, well/tube well,
pipeline, shed.
Complicated 4 2.22
Easy 137 76.11
Proper 38 21.11
Time Consuming 1 0.56
Total 180 100
Source : Primary Data
Table shows -
5. 76.11 percent farmers experience that loan sanction
process of Central Bank of India is simple and easy to
understand.
6. 21.11 percent farmers feel that, procedure is proper,
means bank executives should compel borrowers to
follow the procedure.
7. 2.22 percent farmers feel that, it is complicated. The
documents to be attached, signature of guarantor, no
objection certificates and documents of land for
hypothecation, English language, various types of
certificates may take time to collect.
8. 0.56 percent farmers experience that, process is time
consuming.
The borrower should be reliable, the provided documents
must be authentic, so for such purpose bank executive has to
compel some documents or process to farmers but it is a
procedure of banking practice.
15 Days 95 52.78
1 Month 77 42.78
More than 1 Month 8 4.44
Total 180 100
Source : Primary Data
Table shows -
4. As per opinion of 42.78 percent farmers the loan was
sanctioned in one month.
5. 52.78 percent farmers experienced that, loan was
sanctioned within 15 days.
6. 4.44 percent farmers says that, loan was sanction process
required more than one month.
Yes 162 90
No 18 10
Total 180 100
Source : Primary Data
Table shows -
7%
93%
Table shows -
3. 93.33 percent borrowers are utilizing the loan amount for
the same purpose.
4. 6.67 percent borrowers are not utilizing the loan amount
properly. They diversify the loan for other purpose.
In case of agriculturists, mis-utilization of loan amount is
highly possible because strict supervision and control of bank is
not possible. Maximum borrowers are diversifying the amount.
Table shows -
3. 93.33 percent farmers are repaying the loan installments
regularly.
Yes 34 18.89
No 146 81.11
Total 180 100
Source : Primary Data
Table shows -
3. 81.11 percent borrowers are not facing any problem in
repayment and they arrange repayment of loan regularly.
Always Visits 90 50
Enquires to others 3 1.67
Enquires to Local
1 0.56
Leaders
Enquires to
71 39.44
Beneficiary
More than One 14 7.78
Total 180 100
Source : Primary Data
14
Always Visits
90 Enquires others
71
Enquires to Local Leaders
Enquires to Beneficiary
More than one
13
Table shows -
6. 50 percent farmers says that, bank executives always
visits to the farmer site and observe the progress and
utilization of loan amount.
7. As per opinion of 39.44 percent farmers, bank executives
always enquires to beneficiary (borrowers) regarding
progress of the project.
8. 7.78 percent farmers have selected more than one option.
Always visits and enquires to others (3), enquires to local
leaders and beneficiary (5), always visits and enquires to
beneficiary (6)
9. 1.67 percent farmers says that bank executives enquires
to others.
10. 0.56 percent farmers says that bank executives enquires
to local leaders.
Yes
No
97%
Table shows -
3. Financial assistance is useful to 96.66 percent of
agricultural borrower. Production and productivity of
land is increased.
4. Only 3.34 percent farmer's agricultural production was
not increased. But diversification of loan is the main
reason.
Four Wheeler
Agri. Equipments
Debit Card
Increase in Annual…
Two Wheeler
Consumer Durables
Table reveals that -
1. 76.11 percent farmers have cement concrete house, 71.11
percent are having consumer durables.
2. 97.77 percent farmers have two wheelers, 95.55 percent
avail modern agriculture equipment, 92.77 percent
beneficiaries have ATM card, 96.66 percent have mobile
phone and 95.55 percent farmers have accepted that there
is increase in annual income. It shows improvement in
standard of living of farmers.
Table shows -
3. 93.33 percent farmers (168) feels that, Central Bank of
India is contributing in the development of Agricultural
sector.
4. 6.67 percent farmers (12) feels that, Central Bank of India
is not contributing in the development of Agricultural
sector.
It reveals that,
c) 93 percent farmers feels that, it is Central Bank of
India's contribution in the development of
Ahmednagar district.
d) Central Bank of India is financing in various sectors
of society like Agriculture, Industry, Business,
Trading etc.
For last 40 years continuously bank is providing finance to
the farmers, artisans, youth, entrepreneurs etc. Hence it's
bank's contribution in the development of Ahmednagar
district.
Table shows -
1. Basic infrastructural facilities like electricity, primary
education and private health care facility is available to
all the sample borrowers.
Branch
S'angamner
Shrirampur
Business Total &
Nagapur
A'Nagar
Parner
Akole
Activity Percent
10 18 5 2 2 2 39
Factory
(21.66)
Trading 16 10 19 24 25 24 118
(Shop) (65.55)
4 2 6 4 3 4 23
Services
(12.79)
Total 30 30 30 30 30 30 180
Source : Primary Data
Shrirampur
Sangamner
Manufacturers
Nagapur
A'Nagar
Total
Parner
Akole
(Factory)
1. Chemical Industries 1 1 - 2 - - 4
2. Metal Industry 1 1 - - - - 2
3. Plastic Raw Material - - 1 - - - 1
4. Food Products 1 2 - - - - 3
5. Dairy Products 1 - - - - 1 2
6. Engg. & Jobwork 2 4 - - - - 6
7. Stationary
- 1 1 - - - 2
Manufacturing
8. Automobiles
1 1 - - - - 2
Manufacturing
9. Tyre Remoulding - 1 1 - - - 2
10. Battery
- 1 1 - - - 2
Manufacturing
11. Backery Products - 1 1 - 1 - 3
12. Stone Crusher - - - - - 1 1
13. Fabrication & Steel
1 1 - - - - 2
Furniture
14. Poultry - - - - 1 - 1
15. Edible Oil Industry 1 1 - - - - 2
16. Electricals &
1 3 - - - - 4
Electronics
Total 10 18 5 2 2 2 39
Source : Primary Data
Table shows that,
The factory units are classified into 16 categories. Table 6.3.2
reveals that, borrowers are from, Electricals & Electronics (4),
Engineering & Job work (6), Chemicals (4), Food Products (3),
Backery Products (3), Metal Industries (2), Dairy (2), Stationary
Manufacturers (2), Automobiles manufacturers (2), Tyre
Remoulding & Rubbers (2), Battery Manufacturers (2), Fabrication
& Steel Furniture (2), Edible Oil (2), Raw Material Industry (1),
Stone Crusher (1), Poultry (1) etc. borrowers are from variety of
factory units.
Branch
Shrirampur
Sangamner
Trading Activity Total
Nagapur
A'Nagar
Parner
Akole
1. Cloth Stores 2 - 1 2 2 4 11
2. Foot Wares 1 1 1 1 3 2 9
3. Grocery Shop 2 1 1 - 3 2 9
4. Automobile &
- 2 1 - - 1 4
Spare parts
5. Medical stores &
2 2 - 3 2 2 11
Chemists
6. Book Sellers &
1 - 2 - 1 2 6
Sationary
7. Agro Agency &
- - 2 2 2 3 9
Fertilizers
8. General &
1 - - 2 2 1 6
Domestic Retailers
9. Building Material &
1 2 2 3 2 2 12
Hardware
10. Mobile Shoppee 1 1 2 1 1 1 7
11. Electricals &
1 1 - 2 2 - 6
Electronics
12. Sweets 1 - - 1 1 1 4
13. Fruits &
- - - 2 - - 2
Vegetables
14. Jwellery (Sarafi) - - - - 2 - 2
15. Sports Equipments 1 - 1 1 - - 3
16. Computers &
1 - 2 1 - - 4
Accessories
17. Colour - - 1 - - - 1
18. Oil Depo 1 - 1 - - - 2
19. Utensils - - - - 2 1 3
20. Glass - - 1 1 - 1 3
21. Furniture - - 1 2 - 1 4
Total 16 10 19 24 25 24 118
Source : Primary Data
Table shows that,
Branch
Shrirampur
Sangamner
Service Category Total
Nagapur
A'Nagar
Parner
Akole
1. Hotels 2 2 1 1 1 1 8
2. Hospitals - - 1 - - - 1
3. Cyber Café &
- - 1 - - - 1
Computer Repairing
4. Garage,Servicing
- - 1 1 1 1 4
Center
5. Xerox, Printer,
- - 1 1 1 1 4
Lamination
6. Share Brokers 1 - - - - - 1
7. Laundry & Dry
- - 1 1 - - 2
Cleaning
8. Multiplex 1 - - - - - 1
9. Petrol Pump - - - - - 1 1
Total 4 2 6 4 3 4 23
Source : Primary Data
18 to 30 56 31.11
31 to 45 68 37.77
46 to 60 43 23.88
61 - Above 13 7.22
Source : Primary Data
P.G.
Graduate
No. of Respondants
10th to 12th
upto 10th
0 20 40 60 80
Table shows that,
1. 37.22 percent borrowers belongs to upto 10th education
group. This group is largest group. It includes traders,
shopkeepers, services.
2. 11.66 percent borrowers belongs to 11th & 12th education
group. This group is smallest group. It includes traders &
entrepreneurs.
3. 27.77 percent borrowers belongs to post graduate or
highly qualified group. This group includes industrialists,
services, traders.
4. 23.33 percent borrowers belongs to graduate education
group. It includes factory owners, traders, services,
shopkeepers etc.
No. of Respondants
30
25 21.11
20
15 9.44
10
5 2.77
0 No. of Respondants
Forced
Other
Unemployment
Deliberately
Family Business
Reasons
Table shows,
1. 34.44 percent borrowers were unemployed, hence sarted
their own business.
2. 32.22 percent borrowers entered in their traditional
business line.
3. 21.11 percent borrowers had deliberately accepted this
profession. They want to face new challenges.
4. 9.44 percent borrowers had forced by circumstances in
the present business.
5. 2.77 percent borrowers have other reasons like family
problem, financial problem, lack of job opportunity.
Table shows,
1. 57.77 percent borrowers run Individual Business.
Independently they are running trading, manufacturing
and service units.
2. 32.78 percent borrowers are in Joint Family Business.
3. 9.45 percent borrowers are in the Partnership Units.
It reveals that, 57.77% entrepreneurs are doing their business
Independently. 32.78% borrowers are in Joint Family Business.
Generally traditional businesses are joint family businesses.
9.45% are Partnership Units, these are belonging to Industrial
Units.
18%
Yes
No
82%
Table shows,
1. 81.66 percent borrowers have taken Technical (Scientific)
knowledge of the business enterprise.
2. 18.34 percent borrowers have not taken any kind of
technical knowledge.
Table shows,
1. 48.34 percent borrowers have borrowed loan from co-
operative societies.
2. 40.56 percent borrowers have borrowed loan from other
nationalized banks.
3. 9.44 percent borrowers have borrowed loan.
4. 1.66 percent borrowers have borrowed loan from private
money lenders.
43%
Yes
No
57%
Table shows,
1. 57.22 percent borrowers are aware about Central Bank of
India that it is Lead Bank of Ahmednagar district.
2. 42.78 percent borrowers are not aware about Lead Bank
position of Central Bank of India.
Table shows,
1. 68.33 percent borrowers has compared Central Bank of
India with other financial Institutions.
2. 31.67 percent borrowers has not compared with any other
banking option.
Table shows,
1. 59.44 percent borrowers got the information about
Central Bank of India through professional colleagues.
2. 21.11 percent borrowers aware about the bank through
relatives.
3. 16.12 percent borrowers know about the bank through
advertisement.
4. 3.33 percent borrowers got the information from other
sources.
46%
Bank Executives are
Famliar
37% Lead Bank
Reputation
Table shows,
1. As per opinion of 46.11 percent borrowers CBI is reputed
bank, hence they have selected Central Bank of India.
2. 37.22 percent borrowers have selected Central Bank of
India because it is a Lead Bank of Ahmednagar district.
3. 11.67 percent borrowers have selected because the bank
is close to borrower's place.
4. 5 percent borrowers have selected because Bank
Executives are familiar.
Customers are searching for reputed services. Hence various
borrowers have selected the first option, i.e. reputation of Bank.
Lead Bank is the second reason behind selection of the bank.
Table shows -
1. As per opinion of 92.23 percent borrowers, bank
executives are co-operative in nature.
2. 7.77 percent borrowers says that, bank executives are not
co-operative, rude & negligent.
It indicates that, 92.23% borrowers are satisfied with the
behavior of the bank executives.
Table shows -
1. 40.56 percent borrowers belonging to the 1st group i.e.
Rs. 50,000/- to Rs. 2 lakh. This group is of small traders,
shop keepers, small factory units, services etc.
2. 12.22 percent borrowers belongs to the Rs. 2 lakh to 5
lakh group. It includes medium scale traders, services like
hotels & medium scale manufacturing units.
3. 32.22 percent borrowers belongs to Rs. 5 lakh to Rs. 10
lakh group it includes high investment trading units,
services, factory units.
4. 11.66 percent borrowers belongs to Rs 10 lakh - 25 lakh
group it includes, services and manufacturing units.
5. Large scale factories & manufacturing units are in Rs. 25
lakh & above group.
It reveals that, the amount of loan depends on the potential
associated with the project. If the business is of small nature, amount
of loan is limited. If business is large scale then amount is increasing
as per requirement of business.
Complicated 7 3.88
Easy 95 52.77
Proper 65 36.11
Time consuming 13 7.24
Total 180 100
Source : Primary Data
Table shows -
1. 52.77 percent of borrowers experienced, the loan sanction
process is easy & simple.
2. 36.11 percent of borrowers feels that, the loan sanction
process is proper and every borrower should follow the
procedure.
3. 11.12 percent borrowers feels that, the loan sanction
process is complicated and time consuming.
It reveals that, 88.88 percent borrowers are satisfied and
happy with the loan sanction process of Central Bank of India.
Table shows -
1. 68.88 percent borrowers are satisfied with the sanctioned
loan amount.
2. 31.11 percent borrowers says that, sanctioned amount is
not sufficient.
4%
96%
Table shows -
1. 96.11 percent borrowers are using the loan amount
properly.
2. 3.89 percent borrowers diverting the amount of loan.
Debit Card
Credit Card
Consumer Durables
Increase in Wealth
Foreign Tours
Column3
Vehicles
Club Membership
Better Housing…
Good No of Assets
o
a
f
n
t
s
Indicators
Contribution of
CBI in No. of
Percentage (%)
development of Respondents
Business Sector
Contribution of CBI in
No. of Percentage
development of
Respondents (%)
Ahmednagar District
Categories of Employees
Sr. Name of
Officers Total
No. Branch Substaff
(including Clerk
(Peon)
B.M.)
1 Ahmednagar 04 04 03 11
2 Akole 02 03 02 07
3 Ashwi 01 02 01 04
4 Belvandi 01 01 01 03
5 Kalas 01 01 01 03
Kanhur 01 03
6 01 01
Pathar
Nagapur 03 08
7 02 03
M.I.D.C.
8 Parner 02 02 01 05
9 Sangamner 02 03 02 07
10 Shrigonda 02 02 02 06
11 Shrirampur 02 03 02 07
12 Ukkalgaon 01 01 01 03
Total 19 26 20 67
Source : Primary Data
Table shows that,
1. There are three categories of employees of branches viz.
officers (including Branch Manager), Clerk, Substaff
(peon) etc.
2. Ahmednagar branch is with the maximum employees i.e.
11 employees. Belvandi, Kalas, Kanhurpathar,
Ukkalgaon etc are the branches with minimum employees
3. Ashwi branch have 4 employees. Parner branch have 5
employees. Akole, Shrirampur, Sangamner branches have
7 employees & Nagapur MIDC branch have 8 employees.
3. As per requirement of branch, Manager can appoint
substaff on daily wages system.
1 Ahmednagar √ - -
2 Akole - - √
3 Ashwi - √ -
4 Belvandi - √ -
5 Kalas - √ -
6 Kanhur Pathar - √ -
7 Nagapur M.I.D.C. - √ -
8 Parner - - √
9 Sangamner √ - -
10 Shrigonda - - √
11 Shrirampur √ - -
12 Ukkalgaon - √ -
Total (12) 03 06 03
Source : Primary Data
It reveals that,
1. Ahmednagar, Sangamner and Shrirampur are populated
and civilized areas, hence there is requirement of ATM
which is fulfilled by the Central Bank of India.
2. Akole, Parner and Shrigonda are Taluka places, hence
ATM facility is essential in changing scenario. Hence,
Central Bank has sanctioned and installing ATM centers
shortly.
3. Ashwi, Belvandi, Kalas, Kanhur, Ukkalgaon are villages
and rural area. Number of accounts are not sufficient to
provide ATM center to these villages. Other bank's ATM
centers are available in the villages.
4. Nagapur is MIDC / Industrial area, where ATM of
Central Bank is not available.
5. ATM facility is available at 25 percent branches and
work in progress at 25 percent only.
Whether Loan
Sr. Distribution is as
Particulars Percentage
No. per Priority
Percentage
1 Yes 10 83.34%
2 No 2 16.66%
Total 12 100
Source : Primary Data
It reveals that,
1. Ahmednagar branch is urban area branch and Nagapur is
industrial area branch where there is no demand from
agricultural sector. Hence financing to business, industry
and service sector.
2. 83.34 percent branches have adopted priority percentage
as per DCP & RBI guidelines.
1 Yes 11 91.67%
2 No 01 8.33%
Total 12 100
Source : Primary Data
Table shows,
1. 91.67 percent branch managers face various problems
like lack of education, literacy, lack of staff, loan
sanction, loan distribution, recovery, communication,
technology.
2. CBI is a 'Nationalized Bank', itself became problem in
loan recovery.
3. 8.33 percent branch managers are not facing any
problems.
Sr.
Name of Branch Percentage of NPA
No.
1 Ahmednagar 8
2 Akole 4.50
3 Ashwi 0.66
4 Belvandi 3
5 Kalas 5
6 Kanhur Pathar 7
7 Nagapur M.I.D.C. 0
8 Parner 8.50
9 Sangamner 6
10 Shrigonda 8
11 Shrirampur 6
12 Ukkalgaon 4%
Source : Primary Data
A) Agriculture Sector -
In case of agriculture sector, borrowers are irregular in
repaying the loan amount. For Agriculturist, it is not possible to
repay the loan installments due to various problems.
Table 6.4.11
Experiences About Repayment (Agriculture Sector)
Tendency of
Sr.
Particulars Borrowers to Percentage
No.
repay Loan
1 Regular 5 41.66
2 Irregular 7 58.33
Total 12 100
Source : Primary Data
Table shows that,
1. In Agriculture sector, 58.33 percent managers feels that
agriculture sector borrowers are irregular in loan
repayment.
2. 41.66 percent managers are of the opinion that,
agriculture sector borrowers are regular.
B) Business Sector
In case of Business sector, following is the clear picture of
repayment tendency of the businessmen.
Table 6.4.12
Experiences About Repayment (Business Sector)
Tendency of
Sr. professionals /
Particulars Percentage
No. Traders regarding
repayment of Loan
1 Regular 11 91.66
2 Irregular 1 8.34
Total 12 100
Source : Primary Data