Priority Sector Lending
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What is the overall target for Priority Sector Lending (PSL) for domestic scheduled commercial banks?
Domestic scheduled commercial banks (excluding RRBs and Small Finance Banks) must lend 40% of Adjusted Net Bank Credit (ANBC) or Credit Equivalent of Off-Balance Sheet Exposure (CEOBE), whichever is higher, to priority sectors.
What is the PSL target for domestic scheduled commercial banks as a percentage of ANBC?
40% of Adjusted Net Bank Credit (ANBC)
What is the PSL target for foreign banks with 20 or more branches in India?
Foreign banks with 20 or more branches must achieve 40% of ANBC or CEOBE, whichever is higher, as priority sector lending, to be achieved in a phased manner.
What is the PSL sub-target for Medium Enterprises under current RBI guidelines?
No separate sub-target; included in overall MSME target
Which RBI document governs the current Priority Sector Lending guidelines?
The Master Directions on Priority Sector Lending issued by RBI (updated periodically) govern PSL norms for all scheduled commercial banks in India.
What percentage of PSL must domestic banks lend to Micro Enterprises?
7.5% of ANBC or credit equivalent of off-balance sheet exposure
What is the sub-target for Agriculture under PSL for scheduled commercial banks?
The agriculture sub-target is 18% of ANBC or CEOBE, whichever is higher, of which 10% must be to Small and Marginal Farmers (SMFs).
What is the limit for crop loans to individual farmers under PSL agriculture?
Up to Rs. 3 lakh per borrower without collateral
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