Socio-economic profile of beneficiaries and credit disbursement of regional ruralbanks (RRBS) in Unnao district of U.P.

The investigation was conducted at Fatehpur Chakras, in district Unnao of Uttar Pradesh. Out of sixteen CDBs, the Fatehpur Chaurasi block was selected purposively. All the branches (two) were selected i.e., Fatehpur Chaurasi branch and Rajepur branch. A total of 100 loan seekers were selected as respondents through proportionate random sampling technique. An ex-post facto research design was used for the study. The data collected through personal interview schedule, revealed that majority of the borrowers were found 44–65 years of age group, mostly belonging to general caste and were literate. They also possess below one hectare of land, living in mixed houses and not having participation in any organization. Most of the borrowers earned annual income below ₹40,000 having contact with gram pradhan and having medium level of socioeconomic status. Majority of the respondents had utilized credit for crops followed by livestock, pump set and general store. Only crop loan was repaid in one installment.