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rural banking notes pdf

Technology’s role in rural development and financial inclusion is an important topic of the CAIIB elective’s subject Rural banking, find free study material for CAIIB 2023 exam, here. The use of intensive farming technologies has also been made possible by digital technology, as well as remote access to knowledge and group collaboration. CAIIB ABM
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————————————————————-Full Course Videos in Hindi EnglishCheck Here Farmers may have access to information about the condition of their soils through the government’s universal soil health card programme, which can be used to determine how best to allocate resources. This system will bring transformational changes to the cost
of cultivation/production and sustainability of farms, as it can be compared against a large database and spectral analysis can be done in the cloud. The employment of technology can boost agricultural output Even though a significant portion of agricultural land is still rainfed, a little under 50% of agriculture is currently carried out under irrigated
conditions. This is being improved by utilising techniques including protected cultivation systems, fertigation, and micro-irrigation. The next stage of interventions will heavily rely on specialised sensors to assess soil moisture and composition, to send signals to actuators that control sluices and pumps, and to initiate a controlled flow of water with the
exact dosage of nutrients; all of this can be done without an immediate human interface. With this method, water resource use will be optimised. In protected cultivation, sensor-based systems are also utilised to track internal humidity and illumination conditions and automatically activate fan-pad systems, lighting modifications, etc. READ MORE:
WATCH OUR DAILY IIBF JAIIB/CAIIB LIVE CLASSES Growth potential using Digital technology These are well-known applications that result from the fusion of digital technology and industrial hardware. They are widely utilised in agriculture and have had a significant impact on how growth in the sector is achieved. Agriculture Satellite imaging,
infrared imagery, and a variety of other remote inputs are now readily available, enabling more precise weather forecasts and early pest infestation alerts. Other digital technology-based approaches for identifying and managing farm assets, such as geo-tagging of land, bio-tagging of livestock, bar-coding of planting materials, etc.

A crucial first step is to implement Direct Benefit Transfer (DBT) to farmers that are digitalized, as well as to create a comprehensive digital database of farmers for the government to use when conducting development and promotion programmes.
Components of technology Remote sensing uses visible, near-infrared, and shortwave infrared sensors to form images of the earth’s surface, detect and identify heat signatures of planted crops and animals, and use ocean temperature maps to identify coastal productive zones. Some of the key applications of remote sensing in the advancement of
production are as follows: Move beyond sonar Ocean temperature mapping to show upwelling and chlorophyll distribution Identification of coastal productive zones Detection of shoals of surface swimming fish, etc, using side-looking airborne radar Crop cultivation with the assistance of remote satellite or drone-based imagery, also helps in crop
classification. Estimation of acreage under cultivation Arriving at production estimates Evaluation of crop losses and the spread of disease Monitoring biodiversity detect and identify heat signatures of planted crops and animal Assessment of the impact of agroecology, etc. GIS (Geographical identification system) The Geographical Information
System (GIS) is a special platform that enables one to work with multiple data that are linked to a spatially mapped location or area. GIS typically consists of a set of computer tools. Let’s analyse the key applications of GIS in the field of production. Data collection: The collection of data on crop acreage, production, crop health, and disease can be
correctly portrayed using GIS tools and analytics.
A geo-database of farmers can also be kept up to date. Information: Early awareness of the crop status in the growing season is more crucial than learning the precise production figures once the crop is harvested. Identification and taking measures: The ability to identify and measure the physical and biological stresses that have an impact on the
production of crops has improved thanks to research and cutting-edge technology in the field of remote sensing. Drones can be used to perform field studies to track the health of crops, irrigation, pesticide control, planting, etc. Big data analytics Big data can be used to transform the agricultural value system by: Unearthing previously hidden
patterns Providing a correlation between activities, and understanding management and governance mechanisms Challenges include: Collecting and collating data Data storage Rights to the data and data analysis, querying, and transfer However, government agricultural development schemes and programs are driving the need for Big Data
Analytics in the agricultural sector. Following are some of these: Government agricultural development schemes and programs viz. AGMARKNET/c-NAM Soil Health Card National Animal Disease Reporting System (N/DRS) Kisan Call Centre Database DBT schemes Key applications: To manage financial, meteorological, and climate risks, big data can
be used for insurance based on weather indices as well as financial and credit programmes. IoT is a network of physical objects embedded with sensors, software, electronics, and connectivity to allow them to perform better by exchanging information with other connected devices, the operator, or the manufacturer. It is a network of connected
computing devices, mechanical and digital machinery, objects, animals, or people who can exchange data across it and have unique identification. IT solution providers provide digital solutions to agriculture/agri-business for automation, resource management, etc.
for farmers. Artificial Intelligence (Al) enhances automation by incorporating analysis and learning based on past and current data, allowing for decision-making based on multiple and varied information. Farmers can benefit from its use in developing improved seeds, crop protection, and fertility products. Machine learning techniques ICT has
opened up the opportunity for Al-powered chatbots to automate interactions with end users.

These bots use machine learning techniques, understand natural language, and interact with users in a personalized way. Cognitive technologies allow for analyzing and correlating information about weather, type of seeds, types of soil or infestations, probability of diseases, data about what worked best, year-to-year outcomes, market trends, prices
or consumer needs. Public Extension service centres such as Krishi Vigyan Kendra’s (KVKs) and Agricultural Technology Management Agencies (ATMA) are all well positioned to be the nerve centres for Al applications and knowledge diffusion among India’s vast farming community. Chain technology is a ledger of accounts and transactions written
and stored by participants that can track the provenance of food and create trustworthy food supply chains. It also facilitates the use of data-driven technologies to make farming smarter and provides timely payments between stakeholders. Additionally, it can validate the authenticity of planting material by keeping a record of high-resolution images
of the material in transit and other items from sources to farms. Benefits of using technology in agriculture IoT (Internet of Things) technology in agriculture can bring about social change in rural society, allowing farmers to plan and schedule crops independently and make better decisions, leading to increased productivity and revenue. Farmers can
derive knowledge from data, create plans, manage, and carry out these plans independently, undertake course corrections and revise plans as necessary. They are capable of planning and scheduling crops without relying on the state’s extension system. They can make better decisions about when to plant, irrigate, safeguard, or harvest their crops,
for example. Agriculture’s GDP will rise with increased productivity and revenue; state/national monitoring is feasible through time series, spatial data analysis, implementing actions, and other methods. IoT-driven technology is used for: Agriculture Horticulture Dairy Food processing Shrimp farming Inland fisheries logistics and the whole Agri-
value chain For: Soil testing Irrigating land Watering plants Cultivating land Weeding, seeding/sowing, harvesting Milking cows, loading/unloading/stacking, transporting/marketing Agricultural readiness Quality of farm produce Pesticide residue Location/position/tilt Intrusion of animals Online/SMS advice/answers on solutions for
problems/glitches Progress of IoT in the field of Agriculture The Information Technology Research Academy (ITRA) was established in partnership with the Indian Council of Agricultural Research (ICAR) to help develop Big Data Analytics in the agricultural sector. The government is contemplating positioning two of the important Public Extension
Service Centres, viz Krishi Vigyan Kendras (KVKs) and Agricultural Technology Management Agencies (ATMA) to facilitate Al applications and knowledge diffusion. The Department of Agriculture, Cooperation and Farmers’ Welfare (DAC&FW) has also proposed a proposal to provide Sensors on the phone of farmers to be used for Big Data Analysis to
create suitable Policies and Decision Support Systems (DSS). The government has initiated the digital agriculture mission for 2021-2025 to digitize land records and provide the facility for banks to create online charges, as well as reduce double financing and provide easy access to land records. The SmartFarming4/P was developed to address the
challenges faced by small and marginal farmers in the state. Rural India The Government of India (GOI) launched the Digital India Land Record Modernization Program to reduce the scope of land or property disputes and increase transparency in land records. This includes digitizing land records and providing the facility for banks to create online
charges, as well as reducing instances of multiple or double financing on the same piece of land. The Ministry of Panchayati Raj launched the Survey of Villages and Mapping with Improvised Technology in Village Areas (SVAMITVA) to promote a socio-economically empowered and self-reliant rural India. The Revenue Department/Land Records
Department will be the nodal department at the state level for carrying out the scheme with the support of the State Panchayati Raj Department. Initiatives for financial inclusion through financial technology CBS provides digital banking services to isolated rural communities, supported by NABARD and commercial banks.

NABARD-initiated CBS project helps RCBs credit DBT seamlessly into customers’ accounts. NABARD facilitated RTGS/NEFT sub-membership and recognition of micro-ATMs as ATMs, eliminating the need for an intermediary financial inclusion server. NABARD has enabled India to adopt a multi-agency and multi-model approach to rural financial
inclusion, integrating CBS with other services such as ATM, micro-ATM, and Atal Pension Yojana. NABARD has pioneered the Bank Sakhi model to provide time-flexible, acceptable, trustworthy, and dependable BC services, and is driving digital transactions through BHIM incentives. Go Premium You can enjoy premium services at 82% OFF by
applying promo code ‘EXAMS’. Daily watch live classes of CAIIB elective (IT & Digital) classes at 8:30 Pm. Subject Watch for free at BRBL 7:30 AM ABFM (Eng) 8:00 PM ABFM 5:54 PM Find us on social media: Also Like: JAIIB NEW BATCH START JAIIB CAIIB CLASSES Rural India: Demographic features, Economic Features, Rural
infrastructure, Agriculture Economy, Rural Development Policy, Rural Issues Financing Rural Development: Regulation of Rural Financial Services, Rural Credit Institutions, Financing agriculture / allied activities, Financing Rural Non-Farm Sector (RNFS), SME Finance Priority Sector Financing and Govt initiatives: Components of priority sector,
Government initiatives Prepare for IIBF exams now Problems and prospects in Rural Banking: Role of Rural Banking, Problems of Rural branches of Commercial banks, Technology-based Financial Inclusion, Emerging trends in rural banking – financing poor as a bankable opportunity By Rural Banking, we mean reaching the banking services to
individuals residing in rural areas of the country. Rural banking is an essential part of the Indian financial markets since a bigger part of the Indian population is still living and working in the rural or semi-urban areas of the country. The Indian Government with the Central bank (Reserve Bank of India) has been striving continuously to move towards
complete financial inclusion.
It is the endeavour of the Government to provide every citizen access to financial services and to provide credit at an affordable cost while safeguarding their interests. Rural banking in India began in earnest with the formation of the regional rural banks on 2nd October 1975. Role of Regional Rural Banking for Rural Development: Regional Rural
Banks were established keeping in mind the following goals: Providing banking services to the rural masses at their doorsteps. Identifying the financial requirements of the population of rural India. Making institutional credit available to the weaker section of the society who had no access to safe and affordable loan schemes and who till now were
being fleeced by the local money lenders. To enhance banking and financing facilities in backward and interior areas. Mobilising rural savings and utilising them for supporting productive activities in the area. Providing financial aid to small farmers, rural artisans, small producers, rural labourers’ etc. Creating a supplementary channel for the flow
of the central money market to the rural areas through refinances. Providing finance to cooperative societies, Primary Credit Societies, Agricultural marketing societies. Generating employment opportunities in rural areas. Reducing the cost of providing credit to rural areas. To improve banking facilities in rural, semi-urban, and other unreached
markets. Functions of RRB: RRBs accept deposits from the accountholders. Deposits can be made in savings or current accounts. Recurring deposits and fixed deposits too can be made. Providing Loans and advances Providing loans to artisans, small entrepreneurs, small tradesmen, small framers, and rural labourers. Loans are provided with both
individually or in groups like cooperative societies, marketing societies, agricultural processing societies, and others. The Regional Rural Bank Act 1975 states that the RRB can extend the credit and loan services to the Priority Sector. The loans to this sector will be classified under PSL. Seventy-five per cent of the total Bank Credit is provided to the
Priority Lending Sector. Out of this total credit, banks must give 10 per cent to the economically weaker sections. The Regional Rural Banks in India perform the important function of distributing wages under the MGNREGA and PMGSY. The pensions provided under the poverty alleviation schemes and pension schemes of India are also distributed
through these banks. DOWNLOAD THE RBI, NABARD, SEBI Prep App FOR ON-THE-GO EXAM PREPARATIONThe app provides comprehensive study material in form of online courses to ace these examinations. The study material ranges from online LIVE classes, video lectures, study notes, revision sessions, past year papers, topic tests, the
objective plus descriptive mock tests, mock interviews, and much more. Regional Rural Banks in India: SBI (State Bank of India) has emerged as one of the major commercial banks having regional rural branches. There are more than 2000 SBI regional rural banks spread across the country. Problems faced by Regional Rural Banks in India: The
major problems faced by regional rural banks are mentioned below: Haste and Lack of Co-ordination in the Branch ExpansionsDifficulties in Deposit MobilisationConstraints in Deposit Mobilisation Slow Progress in the Lending Activity Urban-Orientation of Staff Procedural Rigidities. Ownership of Regional Rural Banks Regional Rural Banks are
owned by three entities: Central Government with a share of 50 per centState Government with a share of 15 per centSponsor Bank with a share of 35 per cent (Any commercial bank can sponsor the regional rural banks) Organisational Structure of Regional Rural Banks The hierarchy of officials in a Regional Rural Bank is given below: Board of
DirectorsChairman & Managing DirectorGeneral ManagerAssistant General ManagerRegional Manager/Chief ManagerSenior ManagerManagerOfficerOffice AssistantOffice Attendant Conclusion: We hope this article has been helpful in providing information about the Rural Banking system in India, its major role in strengthening the economy of the
rural sector and mobilising the finances, functions, and other details. FAQs: Frequently Asked Questions: What is the aim of opening bank branches in rural India?
Regional Rural Banks were established keeping in mind the following goals:1) Providing banking services to the rural masses at their doorsteps.2) Identifying the financial requirements of the population of rural India.3) Making institutional credit available to the weaker section of the society who had till now no access to safe and affordable loan
schemes and who till now were being fleeced by the local money lenders.4) To enhance banking and financing facilities in backward and interior areas.5) Mobilising rural savings and utilising them for supporting productive activities in the area.6) providing financial aid to small farmers, rural artisans, small producers, rural labourers’ etc.7) Creating
a supplementary channel for the flow of the central money market to the rural areas through refinances.8) Providing finance to cooperative societies, Primary Credit Societies, Agricultural marketing societies.9) Generating employment opportunities in rural areas.10) Reducing the cost of providing credit to rural areas.11) To improve banking
facilities in rural, semi-urban, and other unreached markets. CAIIB Study Material 2022 : CAIIB Exams are conducted by the Indian Institute of Banking & Finance (IIBF). CAIIB exam is conducted by IIBF two times a year. We, Ambitious Baba are going to provide you the detailed notes of every unit of CAIIB in this CAIIB study material 2022 Edition.
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All the modules of Paper 1 (Advanced Bank Management) are provided unit-wise. Here you can download the module wise PDF of Paper I (Advanced Bank Management): CAIIB study material : Paper 2 (Bank Financial Management) Paper 2 (Bank Financial Management) of CAIIB consists of 4 modules which are discussed and explained in our PDFs in
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Study Material Related FAQs Q. Which organization decides the syllabus and exam pattern for CAIIB Exam? Ans: Indian Institute of Banking & Finance (IIBF) decides the syllabus and exam pattern for CAIIB Exam. Q. What are the names of the papers of CAIIB exam? Ans: CAIIB exam has three papers namely Advanced Bank Management (PAPER-I),
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