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ThesisItem Open Access Agricultural lending by public, private and co-operative banks – a comparative analysis(UAS, Dharwad, 2007) Ankur Agrawal; H.S.VijaykumarAgricultural credit plays a vital role in agro-socio economic development of the nation at micro and macro level. Among banks in different sectors, one from each type was selected viz., Syndicate bank from public sector, Karnataka bank ltd from private sector, and VSS bank from co-operative sector in Navalgund taluka of Dharwad district to make a comparative analysis of efficiency of operation. The technique of tabular analysis and cluster analysis were used. The study was based on both primary and secondary data. Growths in the outstanding balance and the number of accounts were observed during the study period for various banks. The average annual growth for short term loans was highest in Syndicate bank followed by Karnataka bank ltd. and VSS bank. There was increase in direct agricultural advances in absolute terms under priority sector in two commercial banks, though the percentage share of agriculture was declining. The total loan recovery in Syndicate bank was highest and it ranged from 77 to 86 per cent. However, in Karnataka bank ltd. though in private sector, it ranged from as low as 11 to 38 per cent. This was because the borrower felt that once the loan becomes NPA, the loan/ interest would be waived off. In VSS bank the recovery ranged from 33 to 81 per cent. The methods adopted by the bankers for the recovery of loans were roughly same in all three banks under study. Cost of preparation of records was highest among non-interest cost of borrowing. The non-interest cost incurred was highest in VSS bank followed by Syndicate bank and Karnataka bank ltd. Regarding problems faced by borrowers, majority of beneficiaries opined that paper work was very high and security norms were rigid in all the banks. The loan supervision were regularly carried out only in Syndicate bank.