Performance of scheduled commercial banks in disbursement of agriculture credit in Haryana

Abstract

This study used an ANOVA to compare the performance of three public and three private sector scheduled commercial banks in terms of agriculture credit recovery and disbursement from 2010 to 2021. The ANOVA findings demonstrated a substantial difference in credit recovery and disbursement amongst the chosen institutions. An analysis of the descriptive statistics of agricultural credit disbursement and recovery of credit indicates that the issue is prevalent among both public as well as private sector banks. Notable institutions such as the PNB, CANARA, and Axis Bank have significantly increased agricultural credit during the study period. According to the study's findings, scheduled commercial banks can enhance their overall performance by strengthening the areas where they were falling short.