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Factors affecting choice of banks for agricultural lending in rural areas Dr. Barwal Navdeep Associate Professor, Sushant School of Business, Ansal University, Gurugram, Haryana, India Email id: navdeepbarwal@gmail.com Online published on 4 March, 2019. Abstract India is following three tier structure as far as rural financing is concerned. First structure is commercial banks which is composed of nationalized banks, Old and new Private sector banks and SBI and its allies. Second structure is Regional Rural banks and third structure is cooperative structure. A farmer can go to any of these set ups to fund its requirements. So it becomes important for the lenders to understand the behavior of the farmers so that they can attract more number of borrowers. In this paper an attempt has been made to study the various factors which affects the decision of a borrower to opt for a particular bank for agricultural lending. A primary survey is conducted to analyze various factors that affects the choice of banks. Study revealed that quick disbursal of loans is the most important factor which agricultural borrowers takes into consideration. Apart from that another important factor is the amount of loan which borrowers get from the banks. Apart from these interest rates, motivation and behavior of the bank officials, suitability of the schemes etc. are other important factors which affect the decision of agricultural borrowers. Top Keywords Agricultural Lending, Bank Loans, Factors Affecting Bank Selection, Rural Financing. Top | |
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