International Journal of Technology and Applied Science

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Credit Deployment And Recovery Performance of Andhra Pradesh State Financial Corporation: An Empirical Study

Author(s) Prof. Dr. D. Anjaneyulu
Country India
Abstract Andhra Pradesh State Financial Corporation (APSFC) was established on 1 November 1956 through the amalgamation of the erstwhile Andhra State Financial Corporation and Hyderabad State Financial Corporation, with the objective of providing financial assistance for industrial development, particularly to small and medium enterprises. Param Jyothi Article The effectiveness of a financial corporation depends not only on the volume of credit sanctioned but also on its actual deployment and subsequent recovery. Against this background, the present study examines the credit deployment and recovery performance of APSFC during the period from 2008–09 to 2015–16. The study focuses on credit sanctions, disbursements, the ratio of disbursements to sanctions, and recovery of principal and interest. Secondary data collected mainly from the Annual Reports of APSFC are analysed using percentages, annual growth rates, averages and compound annual growth rates. The study finds that credit sanctions fluctuated considerably during the study period, while disbursements remained comparatively stable. Recovery performance showed a generally positive trend and increased from ₹658.08 crore in 2008–09 to ₹1,273.38 crore in 2015–16. The study suggests that APSFC needs to strengthen credit appraisal, improve the conversion of sanctions into disbursements, and sustain effective recovery mechanisms to ensure efficient utilisation of financial resources.
Keywords Credit Deployment, Sanctions, Disbursements, Recovery, APSFC, Principal Recovery, Interest Recovery, Financial Corporation
Published In Volume 6, Issue 10, October 2015
Published On 2015-10-02
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Crossref DOI prefix of IJTAS is 10.71097/IJTAS

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