Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
Concept and objectives Poverty alleviation in India seeks to reduce multidimensional deprivation by improving incomes, nutrition, housing, health care, education, and access to basic services through targeted schemes and systemic…
Evolution of PSL Priority Sector Lending (PSL) emerged from credit policy prescriptions in the late 1960s to channel institutional credit to underserved sectors critical for inclusive growth, gaining shape alongside…
Performance and Credit Rating Scheme (PCRS) The Performance and Credit Rating Scheme (PCRS) was implemented by the National Small Industries Corporation (NSIC) on behalf of the Ministry of Micro, Small…
The Kisan Credit Card (KCC) Scheme is a flagship farmer-centric initiative of the Government of India, designed to ensure timely and adequate credit support from the formal banking system. Introduced…
Projects in agriculture and allied sectors are structured undertakings to create productive assets that generate incremental income, requiring systematic formulation and appraisal to ensure technical, financial, and market viability; NABARD’s…
SIDBI anchors India’s MSME development through refinance, direct credit, guarantees, analytics, and scheme management, while RBI’s policy prescriptions on priority sector lending, restructuring, and digital rails shape bank behavior; concurrently,…
The MSME sector is a cornerstone of India’s economy, contributing about 30% to GDP, over one-third of manufacturing output, and nearly half of exports while providing large-scale employment and balanced…
Information and Communication Technologies (ICT) have transformed rural banking by extending secure, low-cost financial services to remote communities through digital channels, interoperable infrastructures, and data-driven delivery models that overcome distance,…
The rural non-farm sector (RNFS) has become central to rural income diversification and employment in India, accounting for a rising share of rural output and jobs while interfacing with agriculture…
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