Farm Loan Waiver in India: A Report by NABARD

Table of Contents

Farm loan waiver UPSC: Relevance

GS 3: Issues related to direct and indirect farm subsidies

Loan waiver in India: Context

Recently, National Bank for Agriculture and Rural Development (NABARD) and Bharat Krishak Samaj has jointly released a report on recent farm loan waivers by the three state governments— Punjab, Uttar Pradesh and Maharashtra.

भारत में कृषि ऋण माफी: नाबार्ड की एक रिपोर्ट

</div></p> <h2><span class="ez-toc-section" id="NABARD_report_on_loan_waiver_Key_findings"></span>NABARD report on loan waiver: Key findings<span class="ez-toc-section-end"></span></h2> <ul> <li><strong>Borrowing by states</strong>: The study revealed that an average farmer of Punjab borrows four times more money than those in Uttar Pradesh (UP) and over five times more money than those in Maharashtra. <ul> <li>The study also revealed that a marginal farmer in Punjab borrows Rs 3.4 lakh annually, as compared to Rs 84,000 and Rs 62,000 in UP and Maharashtra, respectively.</li> <li>A marginal farmer is one who has the landholding of <1 ha.</li> <li>According to the report, <strong>more than 40 per cent of the “very highly” distressed farmers</strong> in these states did not receive any farm loan waiver (FLW) benefits.</li> <li>Among the three states, Punjab farmers borrowed the largest amounts per farmer category and their dependence on non-institutional sources was also the highest across all farmer categories.</li> <li>The average amount of loan taken from institutions increased with the landholding size.</li> </ul> </li> </ul> <p> </p> <p><a href="https://www.adda247.com/product-onlineliveclasses/12881/upsc-cse-2022-prelims-paper-i-ii-revision-batch-concept-pyq-mcqs-bilingual-live-classes-by-adda247"><img alt="Farm Loan Waiver in India: A Report by NABARD_40.1" decoding="async" class="aligncenter" src="https://st.adda247.com/https://st.adda247.com/https://d2fldgtygklyv6.cloudfront.net/UPSCCSE1648903484.png?tr=w-300" width="300" height="300" /></a></p> <ul> <li><strong>Loan waiver promoted wilful defaults</strong>: The study also revealed that the waivers increased the chances of wilful defaults by farmers and the waiver pushed even the honest farmers to default on agricultural loans.</li> <li><strong>Institutional borrowings</strong>: Among the three states, the proportion of farmers of Punjab borrowing from the institutional sources were more than those in UP and Maharashtra.</li> <li><strong>Interest rates</strong>: The interest rates on non-institutional loans were found to be much more than the institutional loans.</li> <li><strong>Default on institutional loans</strong>: The possibility of default was higher on institutional loans than on non-institutional loan.</li> <li><a href="https://www.adda247.com/upsc-exam/kisan-credit-card-scheme/"><strong>Kisan Credit card</strong></a>: The diversion of KCC (Kisan Credit Card) funds for non-agricultural use was highest in the case of Punjab and lowest in the case of UP. <ul> <li>The study also revealed that for an average farmer <strong>diversion of funds is inevitable</strong> and critical for survival.</li> </ul> </li> <li><strong>Waiver and political connections</strong>: During the election campaigns, political parties race to become the first to promise a waiver on agricultural loans. <ul> <li>Moreover, these waivers are positioned as a ‘ram-baan’ solution to any distress faced by Indian farmers.</li> <li>The study has, however, revealed that despite several successive governments implementing these loan waivers, the <strong>farmer distress has become more acute</strong>, let alone reducing it.</li> </ul> </li> <li><strong>Effect on state finances</strong>: The study revealed that loan waivers in Punjab has <strong>affected the expenditure on other departments.</strong> <ul> <li>In Punjab, both developmental expenditure and capital outlay (as a percentage of GSDP) fell due to outstanding liabilities and market borrowings.</li> </ul> </li> <li><strong>Reasons of farmer suicides</strong>: The study highlighted that due to restrictions imposed by COVID-19, in all the three states, successive crop loss, indebtedness and excessive reliance on agricultural income together were the prime causes of farmer suicides.</li> </ul> <p> </p> <p><a href="https://www.adda247.com/product-onlineliveclasses/8602/upsc-cse-ka-maha-pack-validity-12-months"><img alt="Farm Loan Waiver in India: A Report by NABARD_50.1" decoding="async" loading="lazy" class="aligncenter" src="https://st.adda247.com/https://st.adda247.com/https://d2fldgtygklyv6.cloudfront.net/86021643782162.png?tr=w-300" width="300" height="300" /></a></p> <p> </p> <h2><span class="ez-toc-section" id="Loan_waiver_as_a_solution"></span>Loan waiver as a solution<span class="ez-toc-section-end"></span></h2> <ul> <li>Loan waiver is <strong>not an efficient way</strong> to alleviate farmer distress and it is only a short-term solution after which farmers will go back to taking loans.</li> <li>The waivers <strong>worsened the credit discipline</strong> among the farmers in the medium and long run.</li> <li>Farm loan waivers were designed as a reaction to acute agrarian distress and to ensure the continuity of future credit but it has evolved to emerge as a political tool that is strategically used by political parties to <strong>influence rural voters</strong>.</li> <li>The design of loan waivers is such that 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onlineLiveListHtml+="<li class='card-li'><a href='"+ url.toLowerCase() +"' target='_blank' rel='dofollow'><div class='panel card-background card-shadow'><div class='pkg-image-container'><img alt= '"+ data.title + "' class='package-img' src='https://st.adda247.com/"+ data.imgUrl +"' loading='lazy'></div><div class='pkg-description-container'><div class='title'><span class='pkg-title'>" + data.title + "</span></div><div class='price-field'><span class='cp-float-right selling-price ng-binding'>Rs " + data.price + "</span>"+ maxOriPrice +"<div class='view_more_btn btn_dwn'>Buy Now</div></div></div></div></a></li>"; } lvClsCnt++; } } uniqueList.push(data.title); }); if(onlineLiveListHtml!==''){ document.getElementById("onlinePackage").innerHTML = "<div>"+onlineLiveListHtml+"</ul></div>"; } if(testListHtml!==''){ document.getElementById("testSeries").innerHTML = "<div>"+testListHtml+"</ul></div>"; } } } store_packages('ONLINE_LIVE_CLASSES'); store_packages('TEST_SERIES'); </script> </div>  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min-height: 100px;'> </div> </div> <div class="close_ad_footer_mob" id="footer_mob_cross">X</div> </div> </div>  <script> $( document ).ready(function() { setTimeout(function(){ console.log($('#mobile_ad')); //$('#mobile_ad > div > div > iframe').map(function(){ document.getElementsByClassName('footer_sticky_ad_mob')[0].style.display='block'; //}); },5000); }); $(".close_ad_footer_mob").click(function(){ $(".footer_sticky_ad_mob").remove(); }); /*Interlink Module Blog-20 Start*/ $('#intelink-module-blogs ul li').each(function(){ $(this).find('a').click(function(){ var site = $(this).attr('data-site'); var cat = $(this).attr('data-cat'); ga('send', 'event', { eventCategory: 'Target website:'+site, eventAction: ' Category:'+cat, eventLabel: ' Interlinking Module clicked' }); }); }); /*Interlink Module Blog-20 End*/ </script> <script> $(window).scroll(function() { var bottom = $(window).scrollTop(); if (bottom >= 450) { jQuery(".footer_sticky_ad_mob").addClass("header_fixed"); } else { jQuery(".footer_sticky_ad_mob").removeClass("header_fixed"); } }); </script> <style> .header_fixed {animation: slide-down 0.7s; opacity: 1!important;} @keyframes slide-down { 0% { opacity: 0; transform: translateY(120px); } 100% { opacity: 0.9; transform: translateY(-0%); } } .footer_mob_cross{display:none;} .footer_sticky_ad_mob {position: fixed;bottom: 0;left: 0;width: 100%;max-width: 100%;color: #000;font-size: 14px;margin: 0; margin-bottom: 5px; text-align: center; z-index:9999;display:none; opacity:0;} .sticky_overlay_mob{display: inline-block; position: relative;} .close_ad_footer_mob {position: absolute; right: 4px; top: 4px;border-radius: 25px;padding-top: 5px;width: 25px; height: 25px; color: rgb(0, 0, 0); background: #ffffff; display: table-cell; box-sizing: border-box; vertical-align: middle;cursor:pointer;border: 2px solid #e2dede;line-height: 13px;font-size: 14px;font-weight:bold;color:#8c8282;} .close_ad_footer_mob:hover {background: #000000;color: #fff;} @media only screen and (max-width: 1000px) { .footer_sticky_ad_mob img {max-width: 100%;} .footer_sticky_ad_mob { padding: 0px 0px; bottom: -5px;display:block;} .close_ad_footer_mob {right: 1px; top: -12px; border: 2px solid #e2dede; font-size: 14px;font-weight: bold;color:#8c8282;} .footer_sticky_ad{display:none!important;} } </style>  <div class="sticky_pop_main" id="my_modal_sticky_pop" style="display:none;"> <div class="overlay_stikcy_pop"> <div class="desktop_sticky_pop" id="desktop_sticky_pop">  <div id='div-gpt-ad-1653985172811-0' style='min-width: 800px; min-height: 452px;'></div> </div> <div class="close_ad_desk_pop">X</div> </div> </div>  <script> $( document ).ready(function() { setTimeout(function(){ console.log($('#desktop_sticky_pop')); $('#desktop_sticky_pop > div > div > iframe').map(function(){ document.getElementsByClassName('sticky_pop_main')[0].style.display='flex'; }); },10000); }); $(".close_ad_desk_pop").click(function(){ $(".sticky_pop_main").remove(); }); </script> <style> div#my_modal_sticky_pop:after { background-color: rgba(0, 0, 0, 0.6); content: ''; height: 100%; width: 100%; position: absolute; z-index: -1; left:0px; } .sticky_pop_main { position: fixed; bottom: 0; left: 0; width: 100%; max-width: 100%; color: #000; font-size: 14px; margin: 0; text-align: center; z-index: 9999; display: flex; height: 100%; vertical-align: middle; align-items: center; justify-content: center; } .sticky_pop_main:after{content:'';} .overlay_stikcy_pop{ display: inline-block; position: relative; } .close_ad_desk_pop { position: absolute; right: 4px; top: 4px; border-radius: 25px; padding-top: 5px; width: 25px; height: 25px; color: rgb(0, 0, 0); background: #ffffff; display: table-cell; box-sizing: border-box; vertical-align: middle; cursor:pointer; border: 2px solid #e2dede; line-height: 13px; font-size: 14px; font-weight:bold; color:#8c8282; } .close_ad_desk_pop:hover { background: #000000; color: #fff; } .sticky_pop_main.close_ad_desk_pop { display: none; } @media only screen and (max-width: 768px) { .sticky_pop_main img { max-width: 100%; } .sticky_pop_main { padding: 0px 0px; bottom: 0px; display:none!important; } .close_ad_desk_pop { right: 1px; top: -12px; border: 2px solid #e2dede; font-size: 14px; font-weight: bold; color:#8c8282; } .desktop_sticky_pop{display:none!important;} } </style> <div class="mob_sticky_pop_main" id="mob_modal_sticky_pop" style="display:none;"> <div class="mob_overlay_stikcy_pop"> <div class="mobile_sticky_pop" id="mobile_sticky_pop">  <div id='div-gpt-ad-1653985278575-0' style='min-width: 320px; min-height: 480px;'></div> </div> <div class="mob_close_ad">X</div> </div> </div>  <script> function adda247_lead_form_getCookie(name) { const value = `; ${document.cookie}`; const parts = value.split(`; ${name}=`); if (parts.length === 2) return parts.pop().split(';').shift(); } $( document ).ready(function() { setTimeout(function(){ //console.log($('#mobile_sticky_pop')); $('#mobile_sticky_pop > div > div > iframe').map(function(){ document.getElementsByClassName('mob_sticky_pop_main')[0].style.display='flex'; }); },10000); // popup leader from start function readCookie(name) { var nameEQ = name + "="; var ca = document.cookie.split(';'); for(var i=0;i < ca.length;i++) { var c = ca[i]; while (c.charAt(0)==' ') c = c.substring(1,c.length); if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length,c.length); } return null; } $('.local-widget .lead-form-btn').click(function(){ var email = readCookie('lead_email'); if(email){ $('.local-widget .downloadPDF').attr('download','download'); var localpdf = $('.local-widget .downloadPDF').attr('data'); $('#adda247_lead_form #adda247_lead_form_pdflink').val(localpdf); $('.local-widget .downloadPDF').attr('href',localpdf); var localTitle = $('.local-widget h2.get-all-detils').text(); $('#adda247_lead_form #adda247_lead_form_keyword').val(localTitle); var localButtonText = $('.local-widget .downloadPDF').find('button').text(); $('#adda247_lead_form #adda247_lead_form_extraField1').val(localButtonText); $("#adda247_lead_form_name").val(adda247_lead_form_getCookie("lead_name")); $("#adda247_lead_form_email").val(adda247_lead_form_getCookie("lead_email")); $('#adda247_lead_form_submit').trigger('click'); $('.custom-model-main.final-success').addClass('model-open'); } else{ $('.custom-model-main.new-user').addClass('model-open'); $('#adda247_lead_form_submit').addClass('localpdfdownload'); $('.local-widget .downloadPDF').removeAttr('download', 'download'); $('.local-widget .downloadPDF').attr('href','javascript:void(0)'); } }); // sso enhancment end // sso login with lead form end $(".mob_close_ad").click(function(){ $(".mob_sticky_pop_main").remove(); }); }); /* Blog-21 shi_v social count add start*/ $(".dpsp-facebook").click(function(){ var post_ids = 52058; $.ajax({ url: "https://www.adda247.com/upsc-exam/wp-admin/admin-ajax.php", type: 'POST', data: { action : 'insert_records', fb_count: '1', pos_tid: post_ids, }, success: function(data){ if (data.res == true){ console.log('insert'); // success message }else{ console.log('error'); // fail } } }); }); jQuery(".dpsp-twitter").click(function(){ var post_ids = 52058; jQuery.ajax({ url: "https://www.adda247.com/upsc-exam/wp-admin/admin-ajax.php", type: 'POST', data: { action : 'insert_records', twitter_count: '1', pos_tid: post_ids, }, success: function(data){ if (data.res == true){ console.log('insert'); // success message }else{ console.log('error'); // fail } } }); }); jQuery(".dpsp-linkedin").click(function(){ var post_ids = 52058; jQuery.ajax({ url: "https://www.adda247.com/upsc-exam/wp-admin/admin-ajax.php", type: 'POST', data: { action : 'insert_records', linkedin_count: '1', pos_tid: post_ids, }, success: function(data){ if (data.res == true){ console.log('insert'); // success message }else{ console.log('error'); // fail } } }); }); jQuery(".dpsp-email").click(function(){ var post_ids = 52058; jQuery.ajax({ url: "https://www.adda247.com/upsc-exam/wp-admin/admin-ajax.php", type: 'POST', data: { action : 'insert_records', email_count: '1', pos_tid: post_ids, }, success: function(data){ if (data.res == true){ console.log('insert'); // success message }else{ console.log('error'); // fail } } }); }); /* Blog-21 shi_v social count add end*/ </script>  <script type="text/javascript"> $(document).ready(function() { $('.new-nav').removeClass('new-nav').addClass('black'); }); // Blog-274 conter js $( document ).ready(function() { $(".acf-field textarea").keyup(function(){ el = $(this); //console.log(el.val().length); if(el.val().length > 200){ el.val( el.val().substr(0, 200) ); } else { $(".acf-label .description").text( 200-el.val().length); $('.acf-label .description').append(' Character left'); } }); }); </script>  <style> div#mob_modal_sticky_pop:after { background-color: rgba(0, 0, 0, 0.6); content: ''; height: 100%; width: 100%; position: absolute; z-index: -1; left:0px; } .mob_sticky_pop_main { position: fixed; bottom: 0; left: 0; width: 100%; max-width: 100%; color: #000; font-size: 14px; margin: 0; text-align: center; z-index: 9999; display: flex; height: 100%; vertical-align: middle; align-items: center; justify-content: center; } .mob_sticky_pop_main:after{content:'';} .mob_overlay_stikcy_pop{ display: inline-block; position: relative; } .mob_close_ad { position: absolute; right: 4px; top: 4px; border-radius: 25px; padding-top: 5px; width: 25px; height: 25px; color: rgb(0, 0, 0); background: #ffffff; display: table-cell; box-sizing: border-box; vertical-align: middle; cursor:pointer; border: 2px solid #e2dede; line-height: 13px; font-size: 14px; font-weight:bold; color:#8c8282; } .mob_close_ad:hover { background: #000000; color: #fff; } .mob_sticky_pop_main.mob_close_ad { display: none; } .mobile_sticky_pop{display:none;} @media only screen and (min-width: 768px) { .mob_sticky_pop_main{display:none!important;} } @media only screen and (max-width: 768px) { .mob_sticky_pop_main img { max-width: 100%; } .mob_sticky_pop_main { padding: 0px 0px; bottom: 0px; display:none; } .mob_close_ad { right: 3px; top: 3px; border: 2px solid #e2dede; font-size: 14px; font-weight: bold; color:#8c8282; } .mobile_sticky_pop{display:flex;} } span.days_left {font-size: 18px;font-weight: 700; color: #efbc36; margin: 0px;} </style> <script> function openPost(cityName) { var i; var x = document.getElementsByClassName("rel_post"); for (i = 0; i < x.length; i++) { x[i].style.display = "none"; } document.getElementById(cityName).style.display = "block"; } // active class filter var selector = '.related-tabs-button button'; $(selector).on('click', function(){ $(selector).removeClass('active'); $(this).addClass('active'); }); // end ative class filter window.setTimeout(function() { var jsElm = document.createElement("script"); jsElm.type = "application/javascript"; jsElm.src = "https://securepubads.g.doubleclick.net/tag/js/gpt.js"; jsElm.addEventListener('load', function(){ window.googletag = window.googletag || {cmd: []}; googletag.cmd.push(function() { if(window.location.href.indexOf("adda247.com/engineering-jobs") > -1){ googletag.defineSlot('/21778185301/EngineeringAdda_DesktopSticky', [970, 90], 'div-gpt-ad-1579597959203-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/EA_320x100_MobileSticky', [320, 100], 'div-gpt-ad-1579598321060-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/EA_800x452_WebPopup', [800, 452], 'div-gpt-ad-1579598527754-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/EA_320X480_MobilePopUp', [320, 480], 'div-gpt-ad-1579598670918-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/teaching-jobs-exam") > -1){ googletag.defineSlot('/21778185301/970x90_Footer', [970, 90], 'div-gpt-ad-1579597959203-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/Mobile_Footer', [320, 100], 'div-gpt-ad-1579598321060-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/TA_Intersitital_Desktop', [800, 452], 'div-gpt-ad-1579598527754-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/TA_Intersitital_Mobile', [320, 480], 'div-gpt-ad-1579598670918-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/defence-jobs") > -1){ googletag.defineSlot('/21778185301/DAFooterWebP1', [970, 90], 'div-gpt-ad-1579597959203-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/DAFooterMwebP1', [320, 100], 'div-gpt-ad-1579598321060-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/DA_Intersitital_Desktop', [800, 452], 'div-gpt-ad-1579598527754-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/DA_Intersitital_Mobile', [320, 480], 'div-gpt-ad-1579598670918-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/upsc-exam") > -1){ googletag.defineSlot('/21778185301/UPSC/UPSCWebFooter', [970, 90], 'div-gpt-ad-1653984889436-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/UPSC/UPSCFootermweb', [320, 100], 'div-gpt-ad-1653985025340-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/UPSC/UPSCIntersititalDesktop', [800, 452], 'div-gpt-ad-1653985172811-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/UPSC/UPSCIntersititalMobile', [320, 480], 'div-gpt-ad-1653985278575-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/school") > -1){ googletag.defineSlot('/22777125435/AddaSchool/AddaSchoolWebFooter', [970, 90], 'div-gpt-ad-1670839196289-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/AddaSchool/AddaSchoolFootermweb', [320, 100], 'div-gpt-ad-1670839290693-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/AddaSchool/AddaSchoolIntersititalDesktop', [800, 452], 'div-gpt-ad-1670839459380-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/AddaSchool/AddaSchoolIntersititalMobile', [320, 480], 'div-gpt-ad-1670839584126-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/te") > -1){ googletag.defineSlot('/22777125435/TelanganaBlog/TelanganaWebFooter', [970, 90], 'div-gpt-ad-1662443394978-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TelanganaBlog/TelanganaFootermweb', [320, 100], 'div-gpt-ad-1662443651465-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TelanganaBlog/TelanganaIntersititalDesktop', [800, 452], 'div-gpt-ad-1662443901513-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TelanganaBlog/TelanganaIntersititalMobile', [320, 480], 'div-gpt-ad-1662444034493-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/ml") > -1){ googletag.defineSlot('/22777125435/KeralaBlog/KeralaWebFooter', [970, 90], 'div-gpt-ad-1662445684863-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/KeralaBlog/KeralaFootermweb', [320, 100], 'div-gpt-ad-1662445689295-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/KeralaBlog/KeralaIntersititalDesktop', [800, 452], 'div-gpt-ad-1662445693086-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/KeralaBlog/KeralaIntersititalMobile', [320, 480], 'div-gpt-ad-1662445697433-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/ta") > -1){ googletag.defineSlot('/22777125435/TamilnaduBlog/TamilnaduWebFooter', [970, 90], 'div-gpt-ad-1662450363115-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TamilnaduBlog/TamilnaduFootermweb', [320, 100], 'div-gpt-ad-1662450366378-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TamilnaduBlog/TamilnaduIntersititalDesktop', [800, 452], 'div-gpt-ad-1662450369888-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/TamilnaduBlog/TamilnaduIntersititalMobile', [320, 480], 'div-gpt-ad-1662450373735-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/mr") > -1){ googletag.defineSlot('/22777125435/MaharashtraBlog/MaharashtraWebFooter', [970, 90], 'div-gpt-ad-1662453793296-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/MaharashtraBlog/MaharashtraFootermweb', [320, 100], 'div-gpt-ad-1662453795422-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/MaharashtraBlog/MaharashtraIntersititalDesktop', [800, 452], 'div-gpt-ad-1662453797529-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/MaharashtraBlog/MaharashtraIntersititalMobile', [320, 480], 'div-gpt-ad-1662453800894-0').addService(googletag.pubads()); }else if(window.location.href.indexOf("adda247.com/bn") > -1){ googletag.defineSlot('/22777125435/WestBengalBlog/WestBengalWebFooter', [970, 90], 'div-gpt-ad-1662454899017-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/WestBengalBlog/WestBengalFootermweb', [320, 100], 'div-gpt-ad-1662454901701-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/WestBengalBlog/WestBengalIntersititalDesktop', [800, 452], 'div-gpt-ad-1662454903958-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/WestBengalBlog/WestBengalIntersititalMobile', [320, 480], 'div-gpt-ad-1662454907769-0').addService(googletag.pubads()); } else if(window.location.href.indexOf("adda247.com/pa") > -1){ googletag.defineSlot('/22777125435/PunjabBlog/PunjabWebFooter', [970, 90], 'div-gpt-ad-1662456201733-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/PunjabBlog/PunjabFootermweb', [320, 100], 'div-gpt-ad-1662456204783-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/PunjabBlog/PunjabIntersititalDesktop', [800, 452], 'div-gpt-ad-1662456207427-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/PunjabBlog/PunjabIntersititalMobile', [320, 480], 'div-gpt-ad-1662456210112-0').addService(googletag.pubads()); } else if(window.location.href.indexOf("adda247.com/or") > -1){ googletag.defineSlot('/22777125435/OdishaBlog/OdishaWebFooter', [970, 90], 'div-gpt-ad-1662457391384-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/OdishaBlog/OdishaFootermweb', [320, 100], 'div-gpt-ad-1662457393627-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/OdishaBlog/OdishaIntersititalDesktop', [800, 452], 'div-gpt-ad-1662457396044-0').addService(googletag.pubads()); googletag.defineSlot('/22777125435/OdishaBlog/OdishaIntersititalMobile', [320, 480], 'div-gpt-ad-1662457399156-0').addService(googletag.pubads()); } else if(window.location.href.indexOf("adda247.com/jobs") > -1){ googletag.defineSlot('/21778185301/300x250/SarkariJobsDesktopSticky', [970, 90], 'div-gpt-ad-1579597959203-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/300x250/SarkarijobsMobileSticky', [320, 100], 'div-gpt-ad-1579598321060-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/300x250/SarkarijobsDesktopPopup', [800, 452], 'div-gpt-ad-1579598527754-0').addService(googletag.pubads()); googletag.defineSlot('/21778185301/300x250/SarkarijobsMobilepopup', [320, 480], 'div-gpt-ad-1579598670918-0').addService(googletag.pubads()); } const urlArray = encodeURI(document.URL).split('/'); let idx = urlArray.length; while(idx-- && !urlArray[idx]); const targetingValue = urlArray[idx]; googletag.pubads().setTargeting('sa_url', [targetingValue]); googletag.pubads().enableSingleRequest(); googletag.enableServices(); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1579597959203-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1579598321060-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1579598527754-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1579598670918-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1653984889436-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1653985025340-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1653985172811-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1653985278575-0'); }); // Ad Code start school googletag.cmd.push(function() { googletag.display('div-gpt-ad-1670839196289-0'); 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}); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662450366378-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662450369888-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662450373735-0'); }); // Ad Code start mr googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662453793296-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662453795422-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662453797529-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662453800894-0'); }); // Ad Code start bn googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662454899017-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662454901701-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662454903958-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662454907769-0'); }); // Ad Code start pa googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662456201733-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662456204783-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662456207427-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662456210112-0'); }); // Ad Code start or googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662457391384-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662457393627-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662457396044-0'); }); googletag.cmd.push(function() { googletag.display('div-gpt-ad-1662457399156-0'); }); }) ; document.body.appendChild(jsElm); }, 5000); </script>  <script> function printData(){ var divToPrint=document.getElementById("print-content"); newWin= window.open(""); newWin.document.write(divToPrint.innerHTML); newWin.print(); } jQuery(document).ready(function($) { jQuery('#printBtn').on('click', function() { printData(); }); }); var button = document.getElementById("printPdf"); 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