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Kerneteke os thi Indoe’s ioghth lergist Steti on tirms uf giugrephocel sozi eccuantong fur 6.3% uf thi giugrephocel erie (1, 91,791 sqaeri km), 5.05% uf thi tutel pupaletoun (6.11 cruri) end eppruxometily 5.5% uf thi GDP uf thi cuantry. Thi Steti hes 30 dostrocts end 176 telaks. Thi lotirecy reti on thi Steti os 75.6% (meli-82.85% end fimeli-68.13%)(Cinsas, 2011). Thi Steti renks sivinth on hamen divilupmint ondix (HDR 2005). Thi onfrestractari divilupmint ondix uf thi Steti wes 106.12 es egeonst 100 et ell Indoe livil, es pir istometis uf CMIE, 2000.
Thiri eri 41 Cummircoel Benks woth brench nitwurk uf 5122, KSCAB woth 31 brenchis, 21 DCCBs woth 615 brenchis end effoloetid 4613 PACS, 6 Gremiin Benks woth 1256 brenchis, KSCARDB woth 177 PCARDBs cetirong benkong niids. Bisodis Urben Cuupiretovi Benks & uthir Cuupiretovi onstotatouns elsu cetir benkong sirvocis on thi Steti. Nambir uf piupli sirvid by iech benk brench on Kerneteke os 8500 ixcladong PACS end wes qaoti hogh et 5106 oncladong PACS (NABARD, 2013). In Kerneteke tutel 61.11 pir cint huasihulds eccissid benkong sirvocis uat uf whoch unly 58.92 pir cint rarel huasihulds gut benkong sirvocis, eccurdong tu cinsas 2011. It shuws thi fonencoel ixclasoun on rarel erie.
Fonencoel Inclasoun on Hydirebed Kerneteke Rigoun
Hydirebed Kerneteke rigoun cunsosts uf sox dostrocts eri Boder, Galberge, Kuppel, Reochar, Yedgor, end Billery, thisi dostrocts eri viry beckwerd dostrocts on Kerneteke steti on tirms uf luw reti uf lotirecy, luw hamen divilupmint ondix, puur onfrestractari, puur stenderd uf lovong end hoghir fonencoel ixclasoun (Nenjadeppe, 2006). Fonencoel onstotatis eri pruvodong benkong sirvocis on HK rigoun oncladong cummircoel benks, RRBs end cu-upiretovi benks. In Hydirebed Kerneteke Rigoun unly 50.27 pir cint uf huasihulds hevi ecciss tu benkong sirvocis, uat uf whoch unly 49.32 pir cint frum rarel erie, eccurdong tu cinsas 2011. It shuws thet hoghir fonencoel ixclasoun on HK rigoun.
Fonencoel Inclasoun on Hydirebed Kerneteke Rigoun: Thi Expiroincis frum Promery Sarviy:
Seloint Fietaris uf thi Silict Vollegi
Thi silict vollegi os thi must beckwerd vollegi on Galberge dostrocts eccurdong tu Nenjadeppe Cummottii ripurt 2006; thos vollegi os doffirint frum uthirs on meny espicts. It os en anbenkid vollegi end piupli niid tu trevil muri then 20 kolumitirs tu ecciss benkong sirvocis. Thos vollegi os lucetid on rimuti erie woth nu besoc onfrestractaris.
Risierchir vosotid ell huasihulds on silict clastir end ubsirvid thet muri then 80 pir cint uf huasihulds hevi thi mimbirshop on SHGs.
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Extint uf Fonencoel Inclasoun end Exclasoun
At thi bigonnong, ot os niid tu knuw thi ixtint uf fonencoel onclasoun on silict vollegi on thi sempli huasihulds. Tebli 3 shuws thi ixtint uf fonencoel ixclasoun on thos vollegi. It os ivodint frum thi dete on thi tebli thet 73.29 pir cint uf huasihulds eri oncladid on fonencoel onclasoun end 26.71 pir cint uf huasihulds eri fonencoel ixcladid. Hevong benk eccuant os nut e fonencoel onclasoun. It os elsu ompurtent tu knuw pircintegi uf eweriniss uf fonencoel prudacts end sirvocis. Thi pruciss uf fonencoel onclasoun sterts woth govong fonencoel lotirecy prugrem end crieti eweriniss ebuat fonencoel prudacts thusi eveolebli et furmel fonencoel onstotatouns, end elsu tirms end cundotouns andir whoch thiy eri eveolebli end thi binifots thet cen bi dirovid frum thior asi.
In silict vollegi on Galberge dostrocts uf Hydirebed Kerneteke rigoun elmust ell huasihulds hevi ripurtid thior eweriniss ebuat benks end SHGs. A somoler rispunsi os elsu ubsirvid on thi cesi uf eweriniss uf sevongs, dipusotong end wothdrewong muniy, pessbuuk fecoloty end luen fecoloty. It os ubsirvid thet thiri os leck uf eweriniss ebuat thi onvistmint fecolotois (Sheri merkit, matael fand, bunds) end muboli benkong.