2023, Vol. 8, Special Issue 4

The Western region of Odisha did a study on the state of loan disbursement by DCCBs. According to the study's findings, all DCCBs in Western Odisha's credit activities showed an upward growth in total lending disbursement between 2001-2002 and 2020-21. Short-term, medium-term, and other loans made up the total lending and deposits. From Rs. 15643 lakhs in 2000-01 to Rs. 603112 lakhs in 2020-21, the total loans given by DCCBs in western Odisha increased by roughly 9.05 times over the previous year. The DCCBs in western Orissa recorded a compound growth rate of 0.709% per annum for the total loans and advances they supplied. The data for each bank showed that, when compared to other DCCBs in western Odisha, Balangir DCCB's compound growth rate of total loans was the highest at 0.870% and significant at the one percent level of significance. The survey also showed that more short- and medium-term agricultural loans were provided than short- and medium-term loans for non-agricultural purposes. During 2020–21, short-term loans made up over 92.85% of all loans and advances issued; the remainder were medium-term and other loans and advances.