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Chaudhary Charan Singh Haryana Agricultural University, Hisar

Chaudhary Charan Singh Haryana Agricultural University popularly known as HAU, is one of Asia's biggest agricultural universities, located at Hisar in the Indian state of Haryana. It is named after India's seventh Prime Minister, Chaudhary Charan Singh. It is a leader in agricultural research in India and contributed significantly to Green Revolution and White Revolution in India in the 1960s and 70s. It has a very large campus and has several research centres throughout the state. It won the Indian Council of Agricultural Research's Award for the Best Institute in 1997. HAU was initially a campus of Punjab Agricultural University, Ludhiana. After the formation of Haryana in 1966, it became an autonomous institution on February 2, 1970 through a Presidential Ordinance, later ratified as Haryana and Punjab Agricultural Universities Act, 1970, passed by the Lok Sabha on March 29, 1970. A. L. Fletcher, the first Vice-Chancellor of the university, was instrumental in its initial growth.

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Subject: Agricultural Economics × Author: Jitendra Kumar × End date: 2019 × Start date: 2010 × Thesis Type: Ph.D ×
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    ThesisItemOpen Access
    Role of Sarva Haryana Gramin Bank in Financing in Agriculture
    (CCSHAU, Hisar, 2019) Jitendra Kumar; Mehta, V.P
    Role of Sarva Haryana Gramin Bank was studied with the following objectives,to study the performance of loans, to study the behaviour and adequacy of loans,to determine the factors affecting amount of loans and to identify the constraints in getting loans and repayment.The present study was based on both primary as well as secondary data. Secondary data was collected pertaining to the year 2009-10 to 2017-18 from the annual reports of randomly selected eight branches of Sarva Haryana Gramin Bank.Primary data for the year 2019 regarding utilization pattern and credit gap was collected from 160 selected respondents with the help of pre-tested schedule. The efforts made by SHGB in branch expansion, deposit mobilization, and credit deployment in weaker section of rural areas are appreciable. SHGB successfully achieved its objectives like taking banking to doorstep of farmers, providing credit without time lag and cheaper credit to weaker sections, encouraging rural savings for productive activities and bringing down the cost of accessing credit in rural areas The performance of SHGB in branch expansion, income, expenditure and profit changed over the period with CGR stood that 11, 26, 33 and 19 per cent, respectively. Moreover, credit and deposit of SHGB increased significantly over the period with a CGR of 21 and 25 per cent, respectively. After amalgamation of Haryana Gramin Gramin Bank & Gurugram Gramin Bank profit, credit and deposit of Sarva Haryana Gramin Bank increasedwithapproximately twice the earlier growth rate.Farmers utilized credit either for productive purposes or for non-productive purposes. The results of utilization pattern of marginal farmers showed that under productive use, it was mainly spent for fertilizers (17.02%), labour (7.31%), and irrigation (7.29%). Whereas, small farmers used credit for productive purposes such as instruments purchase (9.31%), fertilizers (18.51%), POL (7.37%). Moreover, large farmers also mainly used loan for fertilizer purchase, instruments purchase and POL. Altogether, all farmers be it marginal, small or large, used credit primarily for purchasing fertilizers.The analysis showed that marginal and small farmers had to mainly divert credit a major portion of their credit for repayment of old debts. Share of credit used in productive purposes of loan increased with the increase land holding.Also, per hectare amount of credit diverted for other productive purposes was also noted to be negatively associated with increase in the size of holdings. Investigation of credit gap for marginal, small and large farmers was done on the basis of loan demanded by the respondent and loan advanced by the bank. It was fund that credit gap had decreased with the increase of land holding. Farmers face number of constraints in getting and repayment of loan such as more paper work, loan not available at time and repayment of old debts etc. Based these problemsit is suggested that SHGB should provide credit with minimum formalities, SHGB credit limit should be increased to fulfill the credit gapThe amount of installments repayment should be matched with the expected farm income of farmers from the agricultural operations.