Which of the following grants/grant direct credit

Solution

Let’s analyse each institution: 1) Regional Rural Banks (RRBs) — Provide direct credit RRBs lend directly to rural households, especially small and marginal farmers, artisans, and rural poor. 2) National Bank for Agriculture and Rural Development (NABARD) — Does NOT provide direct credit NABARD mainly provides refinance to: • RRBs • Cooperative Banks • Commercial Banks It does not directly lend to rural households (except in very rare pilot schemes, which are not considered mainstream operations). 3) Land Development Banks (LDBs) — Provide direct credit LDBs provide long-term loans to farmers for: • land development • purchase of machinery • irrigation projects • other agricultural improvements Thus, they directly lend to rural households.