<h1>Priority sector lending targets require banks to allocate defined credit shares to agriculture and rural borrowers under RBI guidelines.</h1> Priority sector lending requires domestic scheduled commercial banks to meet overall and agriculture sub-targets measured against ANBC or credit equivalent of off-balance-sheet exposures as of the prior March 31. To improve agricultural credit access, the Government operates an Interest Subvention Scheme with additional incentive for prompt repayment, implemented a debt waiver and relief scheme, dispensed with 'no dues' certificates for small agricultural loans in favour of self-declaration, advised waiver of margin/security up to a stated loan threshold, and authorised branch expansion into unbanked rural centres with reporting and ABEP guidance.