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Financial Access in Post-Reform India$
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T.A. Bhavani and N.R. Bhanumurthy

Print publication date: 2012

Print ISBN-13: 9780198076650

Published to Oxford Scholarship Online: September 2012

DOI: 10.1093/acprof:oso/9780198076650.001.0001

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Financial Access: Sector and Segment-level Evidence

Financial Access: Sector and Segment-level Evidence

(p.93) 6 Financial Access: Sector and Segment-level Evidence
Financial Access in Post-Reform India

T.A. Bhavani

N.R. Bhanumurthy

Oxford University Press

Chapter 6 examines the empirical evidence for financial access at the sector level, that is, agriculture, industry and services in terms of availability and adequacy of formal financial resources for productive investment. The chapter calculates segment (organised and unorganised) and economy level indicators of financial access for the year 2004—5 and discusses the same. The financial resource gap persists for agriculture sector despite priority sector lending and other policy measures. Significant proportion of unorganised enterprises—manufacturing and services, were outside the formal financial system. Evidence shows that the financial resource gap was the largest for agriculture (49 per cent) followed by service sector (41 per cent) as major part of these two sectors has been unorganised. Financial resource gap is the largest for the unorganised segment of the economy (68 per cent) whereas at the economy level the gap was around 39 per cent.

Keywords:   financial access, financial resource gap, agriculture, services, manufacturing, unorganised segment, corporate segment

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