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FAQs on Priority Sector Lending (PSL)_Hindi

Gaush Ali

Modified 2 Hours ago.

FAQs on Priority Sector Lending (PSL)_Hindi_word

Gaush Ali

Modified 2 Hours ago.

Query 30: How does the PLSC order matching take place in the e-Kuber portal?

Gaush Ali

Modified 2 Hours ago.

Clarification: PSLCs may be construed in the nature of 'goods' in the course of inter-state trade or commerce, dealing in which has been notified as a permissible activity under section 6(1)(o) of...

Query 15: If housing loans are extended to banks’ own employees on commercial terms applicable to other customers, are they eligible for classification under priority sector lending?

Gaush Ali

Modified 2 Hours ago.

Clarification: While classifying any facility to transporters for purchasing Commercial Vehicles under “Agriculture Infrastructure” category, it needs to be ensured that the transporter/...

Query 14: Under the revised PSL guidelines, sanctioned limit has been capped at ₹25 lakhs. If a customer is sanctioned a loan of ₹25 lakhs and the outstanding amount exceeds ₹25 lakhs (say ₹28 Lakhs), in such a scenario whether the entire outstanding will be reckoned for PSL?

Gaush Ali

Modified 2 Hours ago.

Clarification: As per Annex-III of Master Directions on Priority Sector Lending (PSL) dated September 4, 2020, transportation is an eligible activity under indicative list of permissible activities...

Query 10: What due diligence should banks ensure while classifying loans under PSL- Agriculture/SMF?

Gaush Ali

Modified 2 Hours ago.

Clarification: The PSL guidelines are activity and beneficiary specific and are not based on type of collateral. Therefore, bank loans given to individuals/ businesses for undertaking agriculture...

Query 9: Can bank loans against gold be classified under priority sector?

Gaush Ali

Modified 2 Hours ago.

Clarification: While calculating district-wise incremental credit for assigning weights, the organic credit i.e. only the credit directly disbursed by banks and for which the actual...

Query 11: How should the banks ensure adherence to the credit cap of ₹100 crore from the banking system, while extending credit to activities under ‘Agriculture Infrastructure’ or ‘Food & Agro-Processing’ categories?

Gaush Ali

Modified 2 Hours ago.

Clarification: Bank loans up to ₹2 lakh to individuals solely engaged in allied activities without any accompanying land holding criteria are entitled for classification under SMF category of...

Query 12: Loans are extended to cargo companies, shipping companies, roadlines co., transport cos, logistic cos., movers

Gaush Ali

Modified 2 Hours ago.

Clarification: Bank should ensure proper documentation for classifying agricultural loans under PSL as approved by their board. Particularly while classifying loans under agriculture/SMF category,...

Query 13: Are bank loans extended to companies for buying commercial vehicles eligible for classification under “Agriculture Infrastructure” category of PSL ?

Gaush Ali

Modified 2 Hours ago.

Clarification: As per extant guidelines, loans for Agriculture Infrastructure or loans for Food & Agro-processing activity are each subject to an aggregate sanctioned limit of ₹100 crore per...

Statistics-Data Releases-Overview

This Section provides data on various aspects of Indian economy, banking and finance. While the current data defined as data for the past one year is available at the links provided below, researchers may also access data series available in the Database on Indian Economy link available on this page.