• Prof. Padmavathi
• Dr. Purvi Pujari

India is a developing economy, wherein banking sector plays integral role in the economic development of the nation. Prior to nationalization, Indian banks were owned and controlled by big industrialists,. During this period, small industrial concerns and business units were ignored. After nationalization, to up lift small industrial concerns, and various sectors of the economy, RBI introduced the concept of Priority Sector Lending (PSL) in its credit policy during the period 1967-68. The concept Priority sector lending is intended to ensure that assistance from the banking sector flows to the sector which have not received adequate support of institutional finance in the past. Financing of Agriculture, Micro, Small and Medium Enterprises, Export Credit, Education, Housing Social Infrastructure, Renewable Energy etc fall under the category/purview of priority sector lending. The RBI sets targets in terms of percentage of total money to be lent by the banks to priority sector, but banks have been succeeded to achieve only a few targets. The present study is an attempt to find out the Credit Management in Scheduled commercial banks, RRBs with specific reference to Agriculture Sector. The study concluded that on a whole, over all target for Agricultural credit is surging up year by year and achievement of Scheduled commercial banks is exceeding the target, whereas in case of Co-operative Banks and Regional Rural Banks they is a wider scope for improvement

Priority Sector Lending, Credit Management, Lending Classification, Targets achieved, Scheduled commercial banks, Co-operative Banks and Regional Rural Banks

"A study of Priority Sector Lending-Credit Management in Scheduled commercial banks, RRBs, Co-operatives with specific reference to Agriculture Sector ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.966-971, June 2019, Available :http://www.jetir.org/papers/JETIR1907895.pdf

"A study of Priority Sector Lending-Credit Management in Scheduled commercial banks, RRBs, Co-operatives with specific reference to Agriculture Sector ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp966-971, June 2019, Available at : http://www.jetir.org/papers/JETIR1907895.pdf