Priority Sector Lending
Category | Domestic Commercial Banks/ Foreign bank 20 Branches and above | Foreign bank less than 20 Branches |
Total Priority Sector | 40 % of ANBC Or Credit Equivalent Amount of Off-Balance Sheet Exposure | 40 % of ANBC Or Credit Equivalent Amount of Off-Balance Sheet Exposure |
Total Agriculture | 18 % of ANBC Or Credit Equivalent Amount of Off-Balance Sheet Exposure | No Specific Target |
Micro Enterprise | 7.5 % of ANBC Or Credit Equivalent Amount of Off-Balance Sheet Exposure | No Specific Target |
Advance to Weaker Section | 10 % of ANBC Or Credit Equivalent Amount of Off-Balance Sheet Exposure | No Specific Target |
- Agricultural Finance
- Education Loan – Upto Rs.10 Lakhs
- Housing Loan
Metropolitan – Rs.35 Lakhs (Cost of Dwelling – Rs.45 Lakhs)
Other – Rs.25 Lakhs (Cost of Dwelling – Rs.30 Lakhs)
For Repair – Metropolitan – Rs.5 Lakhs & Other – Rs.2 Lakhs
- Khadi and Village Industries Sector
- Loan sanction by banks to MFIs for on-lending to MSME sector
- Overdraft of Rs.10,000/- under PMJDY – Household income does not exceed Rs.1 Lakh for ruler and Rs.1.6 Lakhs for non-ruler
- Factoring transaction With Recourse basic
- Social Infrastructure – Rs.5 Crore
- Renewable Energy – Rs.15 Crore
- Loan up to Rs.50,000/- to individual or SHG/JLG – Household income does not exceed Rs.1 Lakh in ruler and Rs.1.6 Lakhs in non-ruler
- Loan to Distressed Person up to Rs.1 Lakh to prepay their debt to non-institutional lenders
MSMEs
Weaker Section Under Priority Sector
- Small and Marginal Farmers
- Artisans, Village and Cottage Industries- Credit limit do not exceed Rs.1 Lakh
- Beneficiaries under Government Sponsored Scheme – NRLM, NULM & SRMS
- Scheduled Castes and Scheduled Tribes
- Beneficiaries of Differential Rate of Interest (DRI) scheme
- Self Help Groups
- Distressed farmers indebted to non-institutional leaders
- Distressed persons with loan amount not exceeding Rs.1 Lakh per borrower to prepay their debt to non-institutional leaders
- Individual Women beneficiaries up to Rs. 1 Lakh per borrower
- Persons with Disabilities
- Overdraft upto Rs.10,000/-under PMJDYwith age limit 18-65 years
- Minority Communities