SCOPE OF AGRICULTURE INVESTMENT CREDIT

Submitted to: C.K.Shah Vijapurwala Institute of Management

Prepared By: Krunal Patel Roll No. : 57

HISTORY OF STATE BANK OF INDIA

Bank of Bangal, bank of Bombey and Bank of Madras were amalgamated to form the Imperial Bank of India, on 27 January 1921. The All India Rural Credit Survey Committee proposed the takeover of the Imperial Bank of India, and integrating with it, the former stateowned or state-associate banks. Subsequently, an Act was passed in the Parliament of India in May 1955. As a result, the State Bank of India (SBI) was established on 1 July 1955.

About State Bank of India

The State Bank Group, with over 15,003 branches including 157 foreign offices, has the largest banking branch network in India The bank has 157 overseas offices spread over 34 countries. SBI has 14 regional hubs and 57 Zonal Offices that are located at important cities throughout the country. SBI has 27,000+ ATMs

VISION & MISSION

VISION My SBI. My Customer first. My SBI: First in customer satisfaction

MISSION
We will be prompt, polite and proactive with our customers. We will speak the language of young India. We will create products and services that help our customers achieve their goals. We will go beyond the call of duty to make our customers feel valued. We will be of service even in the remotest part of our country.

VALUES
We will always be honest, transparent and ethical. We will respect our customers and fellow associates. We will be knowledge driven. We will learn and we will share our learning. We will never take the easy way out. We will do everything we can to contribute to the

community we work in.

We will nurture pride in India

Investment banking Credit Cards Commercial Banking

Mortgages

PRODUCTS

Retail Banking

Pensions
Asset Management

Private Banking

RESEARCH OBJECTIVE
My Research objective is to find out the various scope of agriculture investment credit in Kheda District for State Bank of India. To find out the financial requirement of farmer for agriculture purpose. To know the problem after financing by banks.

Also to find out why farmers are not take advantage of govt.s subsidies & facilities

RESESRCH METHODOLOGY
The research design used in the study is exploratory design. The sources of data used in this study are primary and secondary data.

Using survey method for collecting Data.

Sample size for research is 25 samples from each taluka. For the research quota sampling method is used. Data collection is on convenience based method.

Methodology Adopted

Conclusion Analysis & action taken

Data collection Exploratory research Design

Age 20-30 31-40 41-50 50> 34 64 91 61

Percent 13.6 25.6 36.4 24.4

Total

250

100

100 90 80 70 60 50 40 30 20 10 0

91 64

61

34

20-30

31-40

41-50

50>

Gender
Male Female Total 249 1 250

Percent
99.6 0.4 100

249
250 200 150 100 50 0

1
Male Female

Taluka
25 25 25 25
Nadiad

Maudha
Balasinor Virpur Thasara Mehmdavad Kathalal Kapadvanj Matar Kheda

25

25

25
25 25

25

Land
Viga 1 to 5 6 to 10 11 to 15 16 to 20 20> Total Respondant 75 78 50 13 34 250 Percent 30 31.2 20 5.2 13.6 100

75
80 60

78 50

40
20 0

34
13
1 to 5 6 to 10 11 to 15 16 to 20 20>

Education
ILL-Litrate 7% 17% 18%

7 pass
10 pass 23% 12 pass

Graduate

35%

Profession of respondents
Yes No Total farming 249 1 250 job 28 222 250 business 13 237 250 others 21 229 250

1
250 200 150 100 50 0 farming

249

222 28
job

237 13
business

229 21
others

No
Yes

Income

Income( in lacs) 00 to 05 05 to 10 10 to 15 15 to 20 20> Total

Respondents 173 55 11 6 5 250

Percentage 69.2 22 4.4 2.4 2 100

200 150 100

173

55

50
0 00 to 05 05 to 10

11
10 to 15

6
15 to 20 20>

Cast
Cast OPEN SC ST OBC Total

Respondent 194 11 0 45 250

Percent 77.6 404 0 18 100

Cast
250 200 150

194

100
50

45 11 0
ST OBC

0 OPEN SC

Production Season
Yes No Summer 129 121 250 Winter 56 194 250 Monsoon 248 2 250 2

250
200 150 100 50 0 129 56 121 194 248

Yes No

Summer

Winter

Monsoon

Technology
Technology Tractor Harvster Other Total No. of Respondent 89 2 159 250 Percent 35.6 0.8 63.6 100

180 160 140 120 100 80 60 40 20 0

159

89

2 Tractor Harvster Other

Irrigation System
Tubevale Yes No 204 46 Cannel 105 145 Rain 249 1

Total

250

250

250

300 250 200 150 105 100 50 0 Tubevale Cannel Rain

46
1

249 204
145

Yes No

Attending agriculture program

Attending agriculture program Yes No Total No. of Respondent 224 26 250 Percent 10.4 89.6 100

26 Yes

No
224

Subsidies knowledge
Subsidies knowledge Yes No. of Respondent 197 Percent 21.2

No
Total

53
250

78.8
100

250 200 150 100 50

197

53

0
Yes No

Borrowing
Borrowing Bank Other No Borrowing Total No. of Respondent 206 8 17 250 Percent 82.4 3.2 6.8 100

250

206
200 150 100 50

8
0

17 No Borrowing

Bank

Other

Purchase Interest for Machinery

Purchase Interest Yes No Total No. of Respondent Percent 194 56 250 77.6 22.4 100

250 200 150 100

194

56
50 0

Yes

No

Have you take Agri-Gold Lone?

AGRIGOLD No Yes Total NO. OF RESPONDENTS 236 14 250 PERCENT 94.4 5.6 100

250 200 150 100 50

236

14
0 No Yes

Want to Make Godown

Godown lone No Yes Total No. of Respondents 136 114 250 Percent 54.4 46.6 100

140 135 130 125 120 115 110 105 100

136

114

No
Yes

Do you want to take Crop Insurance?Crop Insurance No. of Respondents

No Yes Total 200 150 100 50 0 No Yes 186 186 64 250

Percent 74.4 25.6 100

64

RESULTS AND FINDINGS

On the basis of this survey we found that most of male people are related to farming In the kheda district most of the farmer having a 1 to 10 VIGA land The education level of farmer is not so much good The farmers are not only do farming but also do milk production business In kheda district most of PATEL people are having more land as compare to other The average income of farmers is rupees 485220 Most of the farmers are taking two production seasons For irrigation farmers are based on rain and tube vale and out of them most of farmers have tub vale irrigation The farmers are attending a agriculture programmed and take knowledge about agriculture changes but not taking advantage of knowledge

Limitations
The time constrain would be the limitation of this study
I have take only 250 sample for doing study

It is very difficult to convey for fill the questioner

The language constrain would be a main limitation of the study so I made questioner in Gujarati language