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Financial Sector Reforms and Rural Credit in India

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  • Susmita Chatterjee

    (Indian Institute of Bio-social Research and Development, Kolkata.)

Abstract

This study examines the performances of the rural institutional credit agencies in India in the pre- and post-reforms periods. Another question addressed here is: Do the institutional credit agencies perform in a discriminatory manner while lending to the rural/agricultural sector in various states of India? The study involving 15 major states of the country shows that financial sector reforms actually weakened the link between the financial institutions and rural areas; this development is in complete contrast with that observed prior to the 1990s. The rural areas were affected adversely as a result of economic policies in all the 15 states. Furthermore, the credit institutions showed discriminatory attitude while lending to the rural areas. The prevailing situation in the rural credit market of India calls for a decisive change in the banking policy to ensure increased geographical and functional reach of the rural credit institutions and unbiased distribution of rural credit across the states.

Suggested Citation

  • Susmita Chatterjee, 2006. "Financial Sector Reforms and Rural Credit in India," Journal of Social and Economic Development, Institute for Social and Economic Change, Bangalore, vol. 8(2), pages 121-146, July-Dece.
    • Handle: RePEc:sch:journl:v:8:y:2006:i:2:p:121-146
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