Priority Sector Lending
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What is the overall target for Priority Sector Lending (PSL) as a percentage of Adjusted Net Bank Credit (ANBC) for domestic scheduled commercial banks?
The overall PSL target is 40% of ANBC or Credit Equivalent of Off-Balance Sheet Exposure, whichever is higher.
What is the PSL target for Micro, Small and Medium Enterprises (MSME) sector?
No separate overall target; included within 40% PSL target.
What is the revised PSL target for agriculture as per RBI guidelines?
The target for agriculture is 18% of ANBC, of which 8% must be towards Small and Marginal Farmers (SMFs).
What is the sub-target for lending to Non-Corporate Farmers under PSL?
13.5% of ANBC or Credit Equivalent of Off-Balance Sheet Exposure.
What is the PSL target specifically earmarked for Micro Enterprises?
7.5% of ANBC must be directed towards Micro Enterprises under the Priority Sector.
Under PSL, what is the loan limit for Kisan Credit Card (KCC) holders to qualify?
No specific upper cap; all KCC loans qualify under agriculture.
What is the PSL target for Weaker Sections under RBI's revised norms?
15% of ANBC or Credit Equivalent of Off-Balance Sheet Exposure, whichever is higher, must be lent to Weaker Sections.
What is the revised loan limit for housing loans in Tier I cities for PSL classification?
Loans up to Rs. 35 lakh qualify for PSL in Tier I cities.
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