The Agri PSL: Classification, Regulation and compliance

The Agri PSL is a practical guide to understanding and implementing Agriculture Priority Sector Lending (PSL) under the RBI framework. Written for working bankers, it translates complex regulatory provisions into clear, practical classification principles.The book covers crop loans, KCC, Tractors, Farm machinery, Dairy, Fisheries, Horticulture, FPOs, Warehouse receipt finance, Agriculture infrastructure, Solar agriculture, Agro-processing, Allied activities and On-lending.It focuses especially on areas where banks face significant regulatory risk-borrower identification, agricultural activity, eligible purpose, PSL limits, NCF and SMF classification, documentation, end-use verification, district mapping, CBS coding, PSLCs, reconciliation and regulatory reporting.Practical case studies, decision trees, audit checklists, documentation matrices, red-flag frameworks and compliance tools make the book useful for branch bankers, credit officers, policy teams, risk professionals, compliance officers, auditors and senior management.The central message is simple: PSL is not merely about achieving a number. It is about ensuring that every rupee reported as Agriculture PSL is genuinely eligible, correctly classified, properly evidenced and capable of standing regulatory scrutiny.The Agri PSL brings together regulation, credit judgement, field realities and compliance discipline to help bankers make Agriculture PSL classification more accurate, consistent and defensible.