Bank Rating Mechanism

NIRSAL uses this holistic bank rating scheme to rate banks based on two factors: the effectiveness of their agricultural lending (80%) and its social impact (20%) based on NIRSAL's goals.

Bank Rating Mechanism

NIRSAL uses this holistic bank rating scheme to rate banks based on two factors: the effectiveness of their agricultural lending (80%) and its social impact (20%) based on NIRSAL's goals.

The weighting reflects the fact that while banks cannot be held accountable for the social impact of their lending, they can make loans that are more likely to have social impacts.

To foster competition and continuous improvement, scores are calculated based on how far each bank sits from the level of the top-performing bank.