Title: PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN
KARNATAKA: EMERGING ISSUES AND EVIDENCES
Authors: Ravikumar Pattanashetti
Research Scholar, Department of Economics, Karnatak University, Dharwad.
MLA 8 Pattanashetti, Ravikumar. "PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES." nt. j. of Social Science and Economic Research, vol. 4, no. 4, Apr. 2019, pp. 2832-2847, ijsser.org/more2019.php?id=208. Accessed Apr. 2019.
APA Pattanashetti, R. (2019, April). PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES. nt. j. of Social Science and Economic Research, 4(4), 2832-2847. Retrieved from http://ijsser.org/more2019.php?id=208
Chicago Pattanashetti, Ravikumar. "PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES." nt. j. of Social Science and Economic Research 4, no. 4 (April 2019), 2832-2847. Accessed April, 2019. http://ijsser.org/more2019.php?id=208.
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Abstract: The Karnataka Vikas Grameena Bank is the one of the most leading Regional Rural Bank in
Karnataka. It has emerged after the amalgamation of the four erstwhile Grameena Banks with its
area of operation spread over nine districts now caters to 1/3rd of the geographical area of the
state and thereby has earned the opportunity of serving a larger section of the rural population.
The Bank is actively involved in overall development of rural areas since the very beginning.
The upliftment of weaker sections and the down trodden has been the major agenda of the bank.
Besides this the Bank has been a front runner in catering to the needs of the Farmers, Traders,
Rural Artisans, Professional and self-employed, Contractors and all sections of the society. In
this paper an attempt has been made to evaluate the performance of the Karnataka Vikas
Grameena Bank towards loan disbursement in Karnataka, through the parameters like growth of
number of branches, sector wise loan disbursement, purpose wise loan disbursement and
beneficiary wise loan disbursement. The present study is mainly based on secondary data
collected from the various annual reports and official records of the KVG Bank. The simple
statistical tools like percentage, growth rate and mean were employed for analysis of data. The
main findings reveals that the average number of KVG bank branches was 498.77 over the
thirteen years of study period. Sector wise loan disbursement indicates that the proportion of loan
disbursement was found to be quite significant in priority sector as compared to that of in nonpriority sector during the period from 2005-06 to 2017-18. The proportion total deposits and
advances of KVG bank tends to increase as increasing years from 2005-06 to 2017-18. The
purpose wise loan disbursement shows that the proportion of loan disbursement was found to be
quite significant in agriculture sector, followed by others purpose, tertiary sector and small scale
industries over the study period. Finally the beneficiary wise loan disbursement reveals that the
KVG bank has been provided highest loan to small farmers, marginal farmers, agricultural
laborers and women beneficiaries as compared to that of minority, SC/ST ,SGSY and Other
Govt. Spon. Scheme beneficiaries during 2005-06 to 2017-18. Based on the findings the study
suggested that the KVG bank has to provide more financial assistance to agricultural allied activities and tertiary Sector, which are playing a very important role in creating employment
opportunities and generating additional income to the rural households.
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