Primary Agricultural Cooperative and Rural Development Banks are playing an important role in
meeting the credit requirements of the rural population. The main activity of the Bank is the dispensation
of long-term credit for agricultural and rural development under schematic lending approved by NABARD Bank. The lending
programs are for productive purposes like integrated loans for agriculture and allied agricultural purposes under major and
medium-term projects. The present study was carried out with a broad objective to examine the performance of the Karnataka
State Cooperative Agriculture and Rural Development Bank (KSCARD Bank). The study has made use of secondary data (2010-
11 to 2019-20) and the analysis is carried out by using the exponential growth model which has been used to analyze the
performance of KSCARD Bank. Finally, it is concluded that the lending performance has very crucial role in Long Term Credit
requirements, but the status of the recovery balance of KSCARD bank is very high when compared to the demand and collection
of the recovery