Nationalisation of major commercial banks in July 1969 is regarded as the most important event in the history of Indian banking. The basic rationale behind the adoption of this measure was to make the banks instrumental in accelerating the pace of rural development so as to reduce the regional imbalances and make possible to more egalitarian distribution of the fruits of economic growth. In order to enable commercial banks to discharge new responsibilities, "Lead Bank Scheme" was introduced towards the close of 1969 whereby various commercial banks were designated as "Lead Banks" in specified districts in the country. A Lead Bank would be responsible for taking a leading role in surveying the potential for banking development in the allotted district, identifying the credit gaps and filling them up for the intensive and rapid development of rural areas in the country. This book presents an in-depth study of the working of the Lead Bank Scheme and its role in rural development and reduction of regional imbalances. Besides, pin-pointing the shortcomings and difficulties in the operation of the Scheme, it suggests a policy-frame to make banks the real agents of growth with social justice.

Human Resources are the vital part of an organisation's growth. The development of human resources carries a vast importance for the future of the organization. This book highlights HRD General Practices, HRD Climate, Performance Appraisal and Training and Development Practices in various manufacturing and service sectors' organizations in India. Today HRM/HRD is not an isolated practice or a department in the organization. It is a force, which binds the whole organization. It is the aspect, which solves the problems related to human resource in the organization. Human resource management is the management aspect, which motivates the human power to take the challenges faced by the organization in the twenty-first century. This book analyses the problems, prospects and strategic role of HRM/HRD in the manufacturing and the service organizations.

The present book is a brilliant exposition of all aspects and brings into lime light the actual practices of utilising the cooperative credit. The study covers the genesis, growth, objectives of cooperative banking, classification of credit and performance of cooperative agriculture credit, general pattern of utilising the credit utilisation and perception of borrowers towards the attitude of management. Dr. Pathania has taken help of various statistical devices to make the study scientific and accurate. The author advances a number of suggestions at different level of analysis, which are timely and practical. This outstanding book will be of great use to the management of cooperative societies (Primary, Secondary and Apex), cooperative training institutions, cooperative banks, financial institution, administrators, scholars and students of commerce, economics, agriculture and rural development.

Rural Banking is basically aimed at economic upliftment of rural poor through provision of adequate and timely credit to agriculturists and rural artisans. The multi-agency approach and target oriented institutional financing in rural areas has resulted in escalation of burden of debt. Probably this burden of debt in the absence of generating adequate repaying capacity did hinder the repayment of loan in time. Non-payment of rural credit has paralysed the recycling process of the agricultural credit institutions. The mounting overdues not only caused serious concern to the financing institutions, but also to the government and borrowers alike. The book presents the magnitude of the problem, the repayment behaviour of the loanees, different probable causes of mounting overdues in the rural credit sector and a few suggestions to improve the scenario. Since it is a comprehensive and research based work on the subject, this book may prove useful for planners as well as for central and state governments and also financing institutions while formulating lending and recovery policies for development of agriculture and rural artisans. It should be found useful not only by rural banking institutions but also by researchers, students and teachers of economics, banking and finance.