Analysis reveals improved service quality in agricultural loans at Bank of Baroda following the merger, indicating better access for farmers.
The merger of Bank of Baroda (BoB) with Vijaya Bank and Dena Bank in 2019 created India’s secondlargest public-sector bank. This structural transformation brought changes in agricultural lending patterns,credit availability, loan processing efficiency, and farmer outreach.This research paper examines the types of agricultural loans offered by Bank of Baroda, evaluates theireffectiveness, and analyzes the impact of the merger on the agriculture sector through improved credit delivery,outreach, and service quality
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Chavan et al. (2026) studied this question.
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