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  • Mr.S.A Raghu(Independent Consultant)has written in BUSINESS LINE on 18/04/2016 that 99% of loan accounts are in MSMe, Retail and Home loan.
  • But amount wise it is 4 to 5% total advances that are aprx. 6000 to 8000cr.This is very small compared to one large corporate loan.
  • The loans were given by directions by Govt. of India, and RBI for social welfare and upliftment of society.Also employment.
  • On 16/04/2016, another article in BUSINESS LINE, says 1.8 lac court cases are a field for the loan amount of 1.2 lac cr.
  • RBI time to time comes out with various guidelines/directives but the same is not followed by bank branch managers and they are either arrogant/negligent.
  • As there is no personal penalty for non.performance, Branch managers and credit officers take things very lightly.
  • But this creates social disorder as entrepreneur family is first causality and employment is second big causality.

I request all to react and give their opinion and if you like, you may share with your friends for opinions

Also known as the mother of all engineering, it is the oldest, broadest, most simple and useful of all engineering sciences.


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Also known as the mother of all engineering, it is the oldest, broadest, most simple and useful of all engineering sciences.

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