Rural credit growth: How regional risk mapping can help lenders even during stress years

At the district-level, Mysuru, Vijayanagara, Haveri, Malnad in Karnataka; Prakasam, Markapuram, Kurnool, Annamayya, Kadapa and Chittoor in Andhra Pradesh; more than 20 districts in Tamil Nadu; Solapur, Beed, Dharashiv (Osmanabad) and Latur in Maharashtra; Shivasagar, Charaideo, Jorhat and Golaghat in Assam; Kapurthala, Sri Muktasar Sahib, Mansa, Barnala, Fategarh Sahib and SAS Nagar (Mohali) in Punjab and East Singhbhum (Dumaria) and Giridih (Dumri) in Jharkhand are the worst-hit districts, either due to a severe rainfall deficits or flash floods. Here, lenders must lend with care.