Rice farmers have been given top priority and received about 81.4% of total loans in 2009-10, with the remaining loans being divided among farmers growing oilseeds (10.4%), pulses (6.9%), maize (0.7%) and cotton (0.6%) (Table 9.13). However, the cost in terms of paperwork, visits to bank offices, forming lending groups, and speed money (payments to process loan forms quickly) can be very high. As the MADB does not conduct mobile banking, farmers are required to travel to the MADB branch to receive and repay their loans, imposing them considerable expense.