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PROJECT REPORT

ON

CREDIT ANALYSIS OF AGRICULTURAL LOAN

AT

Bank of Maharashtra

Kukane Branch.

BYMR. PRAVIN V. ARGADE

Under the guidance of

Prof.

S.P.Ghodake

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Executive Summary

Agricultural finance a vital role in Indian

economy. Agricultural sector Importance rolein India, Indian banking help to farmer

develop the farm. Various banks provideagricultural loan State bank of India, Bank ofMaharashtra, Bank of Baroda, & otherNationalized Bank, co-operative Bank &

Privet Bank. Bank of Maharashtra providescash credit & Term loan, Bank help todevelop the rural aria.

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Introduction of topic study.

History of Agriculture

10,000 years ago the man invented agriculture.

A primitive form of agriculture was shifting cultivation of crops.

After few years when these plots lost fertility & heavily infected with grassand soil born pests, the cultivator would shift to new site.

It is the backbone of Indian economy. (B) Agriculture in India

Agriculture is prime source of live hood of most of the population in India.

It provides food for population fodder & also other needs like fibre, fuel,timber, and wood & row materials to various industries.

60% of the Indian population is engaged in agriculture & agro based

industries. At present it occupied 35% shares of the Indian economy. India is exporting

fruits, Tea, Coffee, Basmati rice & also many other agriculture commodities,which help to get foreign exchange.

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Objectives of the project study

To study how bank provide the capital loan to farmer.

To study & analyze the development of the rural areaunder this bank.

To study & analyze the financial position of the branchand all over India.

To Study & analyze the financial condition of farmerwho takes agricultural loan from Bank of Maharashtra.

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Research Methodology

1. Primary Data: -

2. Secondary Data: -

It is the data which is already present in the secondary form like newspaper, journals,

newsletters which are derived by any other person or institute. It was already exists and it is

in processed form. The researcher has only to decide that how it will be handled to appraise

the project.

Secondary data was provided by the Bank.

Audited Balance Sheet of the Bank he financial years 2009-2010 and 2010-2011.

Training manual of the Bank of Maharashtra.

Annual report of the bank.

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Data Analysis & Interpretation.

Classification Agricultural LoanMahabank Kisan Credit Card

Minor Irrigation for Agriculturist

Farm Mechanization for Agriculturists

Animal HusbandryHorticulture

Scheme for Financing Setting Up of Agri-Clinics & Agri-

Business Center for Agriculture Graduates

Scheme for Financing Farmers for Purchase of Land

Scheme for Financing Two Wheelers to Farmers

Consumer Loans to Farmers

Hi-tech Projects.

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