ANALYSIS OF RECOVERY AND OVERDUE POSITION OF PACS IN WESTERN REGION IN INDIA

The progress of agriculture cooperative credit sector depends on loan repayment within time from the farmers. The study emphasized on recovery and arrears of loan issued by Primary Agriculture Cooperative Credit Societies (PACS) in the western region of India.  The study analyzed growth in loan issued and loan outstanding from the year 2012 to 2016. The region wise diversities were observed in average loans outstanding, loans issued, Demand, Recovery and overdue. Percentage of recovery and percentage of overdue to demand has been calculated. The present study found uneven growth in loans issued in three states of western region. This study found inequality of progress in PACS of western region states of India. It concluded that Number of PACS and number borrowers were increased every year, but PACS are still facing the problem of low recovery.