Lok Sabha Question No. 1808 (UNSTARRED), answered on 2017-03-10
Subject: Agricultural Loan
Ministry: FINANCE
Asked by: NALIN KUMAR KATEEL, MAULANA BADRUDDIN AJMAL, ASHOK MAHADEORAO NETE, SAUGATA ROY

## Government of India Ministry of Finance Department of Financial Services Lok   Sabha

Unstarred Question No. 1808

To be answered on 10 th  March, 2017/Phalguna 19, 1938 (Saka)

## Agricultural Loan

1808. SHRI NALIN KUMAR KATEEL: SHRI BADRUDDIN AJMAL: SHRI ASHOK MAHADEORAO NETE: PROF. SAUGATA ROY:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government/Reserve Bank of India (RBI) has issued/fixed any target/guidelines/norms for Public Sector Banks (PSBs) to provide interest free/ subsidy on agricultural loans to the farmers and if so, the details thereof;
- (b)  the  details  of  the  norms/targets  fixed/loans  disbursed/interest  rate  charged  by  banks  to  the farmers along with the outstanding agricultural loans against farmers during the last three years and the current year, bank and State/UT-wise;
- (c)  whether  the  Government  has  any  proposal/scheme  to  reschedule/waive  off  loans/interest free/subsidised interest rate to farmers in the country and if so, the details thereof, State-wise; and (d) the corrective steps taken/being taken by the Government in this regard

## Answer

The Minister of State in the Ministry of Finance (Shri  Santosh Kumar Gangwar)

- (a) to (b): With a view to ensuring availability of agriculture credit at a reduced interest rate of 7% p.a. to farmers, the Government of India  in the Department of Agriculture, Cooperation & Farmers' Welfare implements an interest subvention scheme for short term crop loans up to Rs. 3.00 lakh. Under the  said  scheme,  additional  subvention  of  3%  is  given  to  those  farmers  who  repay  their short  term  crop  loan  in  time,  thereby  reducing  the  effective  rate  of  interest  to  4%  p.a.  for  such farmers.  The  details  of  the  loans  disbursed  by  banks  to  the  farmers  along  with  the  outstanding agricultural loans against farmers during the last three years and the current year as reported by Reserve Bank of India are given in Annexure I to VI.
- (c)  &  (d):  There  is  no  proposal  under consideration of the Government to waive off the loans of farmers.  However,  in  order  to  reduce  the  debt  burden  of  farmers,  increase  the  availability  of

hassle-free  institutional  credit  for  agricultural  operations  and  mitigate  the  hardships  faced  by farmers, the following major steps have been taken by the Government :

-  The Government has introduced the Kisan Credit Card (KCC) Scheme, which enables farmers to purchase agricultural inputs such as seeds, fertilisers, pesticides, etc. and draw cash to satisfy their agricultural and consumption needs. The KCC Scheme has since been simplified. It has the provision of ATM enabled debit card with, inter alia, facilities of one-time documentation and built-in cost escalation in the limit, etc.
-  RBI has issued directions for Relief Measures to be provided by respective lending institutions in  areas  affected  by  natural  calamities  which,  inter  alia,  include,  restructuring/rescheduling  of existing  crop  loans  and  term  loans,  extending  fresh  loans,  relaxed  security  and  margin  norms, moratorium, etc. These directions have been so designed that the moment calamity is declared by the  concerned  District  Authorities  they  are  automatically  set  in  motion  without  any  intervention, thus saving precious time. The benchmark for initiating relief measures by banks has also been reduced to 33% crop loss in line with the National Disaster Management Framework.
-  Loan  to  distressed  farmers  indebted  to  non-institutional  lenders  is  an  eligible  category  of  farm credit under the Priority Sector Lending (PSL) directions issued by RBI. This is intended to provide hassle-free institutional credit to farmers for repaying their debt to moneylenders.
- RBI has conveyed to Banks to waive margin/security requirements of agricultural loans upto Rs.1,00,000/-.

Annexure I to USQ 1808 for 10.03.2017

Annual PSA - Agriculture (Indian Banks) 2013-15 - Outstanding

(No. of A/c in actual and amount in Rs.'000)

|                                | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   |
|--------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|
|                                | 2013                                  | 2013                                  | 2014                                  | 2014                                  | 2015                                  | 2015                                  |
| Bank Name                      | No. Of A/Cs                           | Amount O/S                            | No. Of A/Cs                           | Amount O/S                            | No. Of A/Cs                           | Amount O/S                            |
| State Bank of Bikaner & Jaipur | 758867                                | 91878455                              | 783694                                | 109618062                             | 788416                                | 119103904                             |
| State Bank of Hyderabad        | 1462860                               | 145105621                             | 1551897                               | 169056304                             | 1589379                               | 190442278                             |

| State Bank of India       | 11523843   | 1248343436   | 11356931   | 1547150000   |   11275217 |   1284280100 |
|---------------------------|------------|--------------|------------|--------------|------------|--------------|
| State Bank of Mysore      | 414418     | 63246200     | 449456     | 74629722     |     517127 |    106427690 |
| State Bank of Patiala     | 350588     | 86727800     | 421534     | 131993190    |     411701 |    137324242 |
| State Bank of Travancore  | 1047811    | 103236134    | 1290986    | 131646970    |    1298766 |    119750914 |
| Allahabad Bank            | 1362947    | 176881978    | 1486409    | 219224289    |    1557005 |    246794200 |
| Andhra Bank               | 1707867    | 164505679    | 2008730    | 208940205    |    1852055 |    198922193 |
| Bank of Baroda            | 1666083    | 276631062    | 1768198    | 316723582    |    1939542 |    374032927 |
| Bank of India             | 2408652    | 270415564    | 2807134    | 402103355    |    2959275 |    431821202 |
| Bank of Maharashtra       | 507825     | 79725008     | 767504     | 102760721    |     677351 |    120795945 |
| Bhartiya Mahila Bank      |            |              |            |              |        122 |       270527 |
| Canara Bank               | 4034953    | 407868543    | 4851701    | 487970909    |    5300725 |    588674585 |
| Central Bank of India     | 2001170    | 246575700    | 2259182    | 353862365    |    2476556 |    359569131 |
| Corporation Bank          | 514592     | 94658172     | 700229     | 155820000    |     829860 |    196751122 |
| Dena Bank                 | 396661     | 67188081.03  | 485514     | 107998049    |     537996 |    123117800 |
| IDBI Bank Ltd.            | 170983     | 81706895     | 149480     | 267342172    |     536728 |    358345092 |
| Indian Bank               | 1967096    | 170005349    | 2269164    | 192320986    |    2676540 |    207388294 |
| Indian Overseas Bank      | 2230487    | 233928046    | 2449081    | 269900946    |    2674220 |    292362721 |
| Oriental Bank of Commerce | 591530     | 178814106    | 601578     | 176915100    |     608737 |    225414401 |
| Punjab and Sind Bank      | 174400     | 52280352     | 194186     | 78986841     |     211886 |     67916016 |
| Punjab National Bank      | 3007600    | 380554489    | 3336655    | 560453721    |    3640771 |    600065591 |
| Syndicate Bank            | 1660221    | 201558800    | 1841826    | 221107282    |    2047827 |    262053800 |
| UCO Bank                  | 1124107    | 126251480    | 1209932    | 181415778    |    1152436 |    196869694 |
| Union Bank of India       | 1476741    | 202237014    | 1814898    | 329215975    |    2166422 |    393124539 |
| United Bank of India      | 867420     | 95693993     | 912052     | 122974462    |     872275 |    114412901 |
| Vijaya Bank               | 517448     | 70988900     | 567916     | 105274104    |     631947 |    119739017 |
| Axis Bank                 | 470374     | 140987745    | 323324     | 243309175    |     417630 |    303288623 |
| Catholic Syrian Bank      | 53044      | 4978666.07   | 49915      | 4282505      |     113691 |      8445785 |
| City Union Bank           | 340932     | 23978360     | 391921     | 31025534     |     391016 |     30098181 |
| Development Credit Bank   | 20004      | 5809004      | 10675      | 11085254     |      20001 |     15346364 |
| Dhanlaxmi Bank            | 138557     | 14041337     | 102212     | 16770278     |      93191 |     15953423 |
| Federal Bank              | 272490     | 46999447     | 321568     | 80543596     |     419923 |     95357415 |
| HDFC Bank                 | 913490     | 291689159    | 988215     | 445977292    |    1170896 |    533147766 |
| ICICI Bank                | 1061924    | 191862062    | 1233667    | 405529517    |    1510120 |    497553188 |
| Indusind Bank             | 584366     | 43475002     | 777991     | 66473656     |    1044523 |     79847318 |
| ING Vysya Bank            | 68135      | 35243016     | 43550      | 70775164     |      39764 |     81342237 |

| Jammu & Kashmir Bank     |   288039 |   37363929 |   359083 |   65251423 |   375559 |   74527468 |
|--------------------------|----------|------------|----------|------------|----------|------------|
| Karnataka Bank           |   264548 |   39033498 |   305811 |   61855301 |   301134 |   59195154 |
| Karur Vysya Bank         |   598985 |   51943237 |   676659 |   62646015 |   674879 |   64778095 |
| Kotak Mahindra Bank      |   143693 |   61757711 |   171522 |   80023477 |   499877 |   99198408 |
| Lakshmi Vilas Bank       |   252362 |   22863476 |   278337 |   24619980 |   284165 |   24125562 |
| Nainital Bank            |    10757 |    3661529 |    12479 |    4065019 |    13214 |    4642224 |
| Ratnakar Bank            |   276134 |    8264581 |   330014 |   13649465 |   410103 |   19852821 |
| South Indian Bank        |   163028 |   22593701 |   234175 |   45565856 |   286289 |   62817979 |
| Tamilnad Mercantile Bank |   417563 |   29020767 |   445195 |   31039097 |   356894 |   21076845 |
| Yes Bank                 |   416893 |   59764945 |  1162259 |  105390514 |  1847164 |  137289829 |
| TOTAL                    | 50702488 | 6452338029 | 56554439 | 8895283208 | 61500915 | 9663655511 |

Source: RBI

| Annual PSA - Agriculture (State-wise : Indian Banks) 2013-15 - Outstanding   |             |             |                                          |                                          |
|------------------------------------------------------------------------------|-------------|-------------|------------------------------------------|------------------------------------------|
|                                                                              |             |             | Agriculture (Total Priority Sector) 2014 | Agriculture (Total Priority Sector) 2014 |
|                                                                              | No. Of A/Cs | Amount O/S  | No. Of A/Cs                              | Amount O/S                               |
| Andamans                                                                     | 7097        | 682625      | 4381                                     | 624852                                   |
| Andhra Pradesh                                                               | 9265534     | 988039833.1 | 10290618                                 | 1120640629                               |
| Arunachal Pradesh                                                            | 16530       | 1140442     | 13342                                    | 1429328                                  |
| Assam                                                                        | 723404      | 43852426.12 | 849042                                   | 53699513                                 |
| Bihar                                                                        | 1962638     | 144779147.7 | 2215288                                  | 209232159                                |
| Chandigarh                                                                   | 17876       | 26209222.62 | 11675                                    | 21968558.9                               |
| Chattisgarh                                                                  | 330564      | 56216585.81 | 325103                                   | 59329954                                 |
| Dadra & Nagar Haveli                                                         | 1906        | 226095.534  | 2224                                     | 358062.36                                |
| Daman & Diu                                                                  | 683         | 96709.124   | 1788                                     | 430002                                   |
| Delhi                                                                        | 41214       | 101789365   | 86661                                    | 155830387.7                              |
| Goa                                                                          | 48530       | 7875859.711 | 47483                                    | 8100820.41                               |
| Gujarat                                                                      | 1686150     | 315522295.7 | 1642827                                  | 339914913.1                              |
| Haryana                                                                      | 838013      | 243795808.9 | 874762                                   | 319558512.5                              |
| Himachal Pradesh                                                             | 270956      | 34591498.95 | 275483                                   | 43698004                                 |
| Jammu & Kashmir                                                              | 325251      | 31056880.37 | 399331                                   | 61458997                                 |
| Jharkhand                                                                    | 766814      | 41799438.21 | 927595                                   | 47275443                                 |

## Annexure II to USQ 1808 for 10.03.2017

| Karnataka      |   3268857 |      500112421.7 |   3753537 |        686106754 |
|----------------|-----------|------------------|-----------|------------------|
| Kerala         |   3537770 |      4.0246e+08  |   4382173 |      4.98049e+08 |
| Lakshadweep    |      2289 |  69114           |      2584 | 113087           |
| Madhya Pradesh |   2115618 |      3.19548e+08 |   2058877 |      3.82287e+08 |
| Maharashtra    |   3506326 |      5.73787e+08 |   3999506 |      1.74314e+09 |
| Manipur        |     38361 |      3.84334e+06 |     36974 |      3.87826e+06 |
| Meghalaya      |     48901 |      3.04424e+06 |     50608 |      3.89307e+06 |
| Mizoram        |     14890 |      1.18161e+06 |     33184 |      1.42886e+06 |
| Nagaland       |     51740 |      2.3699e+06  |     77073 |      2.84876e+06 |
| Orissa         |   1493595 |      1.03592e+08 |   1662739 |      1.03623e+08 |
| Puducherry     |    125915 |      1.2526e+07  |    216846 |      1.44955e+07 |
| Punjab         |   1097125 |      3.87e+08    |   1222232 |      5.00983e+08 |
| Rajasthan      |   2226016 |      3.46051e+08 |   2426828 |      4.10057e+08 |
| Sikkim         |      7821 | 874438           |      8693 |      1.21894e+06 |
| Tamil Nadu     |   9872308 |      9.47978e+08 |  10772077 |      1.0728e+09  |
| Tripura        |    105341 |      5.15011e+06 |    107406 |      6.97087e+06 |
| Uttarakhand    |    327306 |      6.68581e+07 |    411024 |      6.98211e+07 |
| Uttar Pradesh  |   4753734 |      5.04053e+08 |   5382045 |      6.45881e+08 |
| West Bengal    |   1805415 |      2.34165e+08 |   1982430 |      3.04144e+08 |
| Total          |  50702488 |      6.45234e+09 |  56554439 |      8.89528e+09 |

## Annexure III to USQ 1808 for 10.03.2017

| Annual PSA - Agriculture (Indian Banks) 2013-15 - Disbursements   |                                     |                                     |                                     | (No. of A/c in actual and amount in R   |
|-------------------------------------------------------------------|-------------------------------------|-------------------------------------|-------------------------------------|-----------------------------------------|
|                                                                   | Agriculture (Total Priority Sector) | Agriculture (Total Priority Sector) | Agriculture (Total Priority Sector) | Agriculture (Total Priority Sector)     |
|                                                                   | 2013                                | 2013                                | 2014                                | 2014                                    |
|                                                                   | No. Of A/Cs                         | Amount (Disbursements )             | No. Of A/Cs                         | Amount (Disbursements )                 |
| State Bank of Bikaner & Jaipur                                    | 192797                              | 26157049                            | 62753                               | 1                                       |
| State Bank of Hyderabad                                           | 276521                              | 31603842                            | 254105                              | 29                                      |
| State Bank of India                                               | 5987172                             | 744553974                           | 3855959                             | 618                                     |
| State Bank of Mysore                                              | 165384                              | 33506700                            | 190921                              | 47                                      |
| State Bank of Patiala                                             | 66191                               | 31935509                            | 298279                              | 93                                      |
| State Bank of Travancore                                          | 1058117                             | 96071499                            | 1189559                             | 104                                     |
| Allahabad Bank                                                    | 531457                              | 458589345                           | 360091                              | 79                                      |

Source: RBI

| Andhra Bank                | 1274256   | 113380904   | 1248939   | 126   |
|----------------------------|-----------|-------------|-----------|-------|
| Bank of Baroda             | 550076    | 97749339    | 965970    | 169   |
| Bank of India              | 2283321   | 261127260   | 3102384   | 329   |
| Bank of Maharashtra        | 140046    | 26827129    | 433658    | 114   |
| BHARATIYA MAHILA BANK LTD. |           |             |           |       |
| Canara Bank                | 3575039   | 325424116   | 4225369   | 416   |
| Central Bank of India      | 435221    | 102388184   | 1481164   | 165   |
| Corporation Bank           | 406074    | 58658739    | 756705    | 109   |
| Dena Bank                  | 131250    | 35836100    | 269415    | 44    |
| IDBI Bank Ltd.             | 154182    | 66920487    | 103913    | 73    |
| Indian Bank                | 1882898   | 145282754   | 2107458   | 155   |
| Indian Overseas Bank       | 1770717   | 341604789   | 2304899   | 354   |
| Oriental Bank of Commerce  | 210025    | 116833800   | 354566    | 129   |
| Punjab and Sind Bank       | 41200     | 23378015    | 44025     | 21    |
| Punjab National Bank       | 2047366   | 366313231   | 2443966   | 445   |
| Syndicate Bank             | 913092    | 121308898   | 939351    | 121   |
| UCO Bank                   | 408215    | 63970216    | 365920    | 73    |
| Union Bank of India        | 721776    | 123280766   | 823305    | 151   |
| United Bank of India       | 307889    | 60416103    | 294123    | 49    |
| Vijaya Bank                | 380067    | 53074811    | 499047    | 66    |
| Axis Bank                  | 160675    | 29158413    | 256093    | 127   |
| Catholic Syrian Bank       | 167128    | 12385104.15 | 75998     | 563   |
| City Union Bank            | 298943    | 18312442    | 397161    | 17    |
| Development Credit Bank    | 4721      | 6337843     | 6899      | 7     |
| Dhanlaxmi Bank             | 119887    | 17693800    | 142889    | 13    |
| Federal Bank               | 167099    | 28000881    | 274472    | 41    |
| HDFC Bank                  | 675250    | 305572218   | 692132    | 328   |
| ICICI Bank                 | 882137    | 154996550   | 1130835   | 225   |
| Indusind Bank              | 683367    | 32404481    | 607207    | 40    |
| ING Vysya Bank             | 24429     | 18564535    | 35912     | 27    |
| Jammu & Kashmir Bank       | 66993     | 13893148    | 120207    | 26    |
| Karnataka Bank             | 207108    | 26836246    | 212545    | 25    |
| Karur Vysya Bank           | 548469    | 48397864    | 558127    | 46    |
| Kotak Mahindra Bank        | 51599     | 39425778    | 70997     | 40    |
| Lakshmi Vilas Bank         | 316570    | 26299188    | 260514    | 18    |

| Nainital Bank            |     1912 |     673954 |     3460 |    1 |
|--------------------------|----------|------------|----------|------|
| Ratnakar Bank            |   227154 |    7718252 |   274092 |   13 |
| South Indian Bank        |   244838 |   28059210 |   365992 |   42 |
| Tamilnad Mercantile Bank |   576108 |   40492928 |   586214 |   38 |
| Yes Bank                 |   390111 |   61641306 |  1131049 |   79 |
| TOTAL                    | 31724847 | 4843057700 | 36178639 | 5262 |

Annexure IV to USQ 1808 for 10.03.2017

| Annual PSA - Agriculture (State-wise: Indian Banks) 2013-15 - Disbursements   |             |                          |                                              |                            |             |                         |
|-------------------------------------------------------------------------------|-------------|--------------------------|----------------------------------------------|----------------------------|-------------|-------------------------|
| Agriculture (Total Priority Sector)                                           |             |                          | (No. of A/c in actual and amount in Rs.'000) |                            |             |                         |
|                                                                               | 2013        |                          | 2014                                         |                            | 2015        |                         |
|                                                                               | No. Of A/Cs | Amount (Disburse ments ) | No. Of A/Cs                                  | Amou nt (Disbu rseme nts ) | No. Of A/Cs | Amount (Disbursements ) |
| Andamans                                                                      | 2789        | 294465                   | 3398                                         | 36647 5                    | 5672        | 630769                  |
| Andhra Pradesh                                                                | 4987559     | 59929476 8.3             | 4755558                                      | 53786 9090.5               | 501713 8    | 627428059               |
| Arunachal Pradesh                                                             | 38539       | 5796357                  | 10182                                        | 21011 06                   | 4537        | 467516                  |
| Assam                                                                         | 384006      | 31561391                 | 292872                                       | 21343 626                  | 287757      | 22273746                |
| Bihar                                                                         | 1073584     | 93868224                 | 1362703                                      | 95855 158                  | 151164 8    | 109483590               |
| Chandigarh                                                                    | 72351       | 29276494                 | 19008                                        | 17304 713                  | 5245        | 24173903                |
| Chattisgarh                                                                   | 203209      | 33508130                 | 194927                                       | 38229 439                  | 223744      | 41900928                |
| Dadra & Nagar Haveli                                                          | 534         | 46189.4                  | 1181                                         | 20276 3.7                  | 1188        | 280623                  |
| Daman & Diu                                                                   | 734         | 139421                   | 891                                          | 35821 7                    | 1227        | 244338                  |
| Delhi                                                                         | 39365       | 89944317. 78             | 63069                                        | 74479 226.74               | 16769       | 155108626               |
| Goa                                                                           | 126235      | 23987314. 44             | 64357                                        | 10736 072.72               | 43952       | 6876002                 |
| Gujarat                                                                       | 898413      | 38876110                 | 1187010                                      | 23696                      | 124531      | 267884471               |

| Haryana          |   397841 | 15188437 3.3   |             |   649255 | 24047 7476.7   | 758155    |   275700958 |
|------------------|----------|----------------|-------------|----------|----------------|-----------|-------------|
| Himachal Pradesh |   122419 | 54690523       |             |   191866 | 511            | 228648    |    39547873 |
| Jammu & Kashmir  |    97522 | 11229054       |             |   147420 | 26357 563      | 108716    |    21932684 |
| Jharkhand        |   536799 | 29531238       |             |   469501 | 20130 414      | 487500    |    19841753 |
| Karnataka        |  2012756 | 28141503 2.5   |             |  2332690 | 35665 1242.7   | 276594 3  |   431892433 |
| Kerala           |  3562030 | 42377135 7.7   |             |  3900502 | 40269 0169     | 484149 8  |   490117089 |
| Lakshadweep      |      421 | 20444          |             |      149 | 8810           | 234       |       12107 |
| Madhya Pradesh   |  1397629 | 25954956 1     |             |  1739538 | 28279 7906.9   | 185215 0  |   296591420 |
| Maharashtra      |  1829036 | 34377884 5.1   |             |  2471233 | 71529 4510.5   | 292473 6  |   607013679 |
| Manipur          |    15847 | 4154448        |             |    16645 | 11742 32       | 20790     |     1706087 |
| Meghalaya        |    37793 | 2248662        |             |    21430 | 99110 5        | 32735     |     1455423 |
| Mizoram          |    10375 | 672460         |             |     6152 | 34002 7        | 9293      |      486580 |
|                  |    30875 | 1887638        | Nagaland    |    16203 | 63080 8        | 17131     |      988668 |
|                  |   937872 | 75978127       | Orissa      |   815536 | 47513 006.1    | 824949    |    73802760 |
|                  |   171263 | 25401778. 96   | Puducherry  |   207490 | 13129 774.05   | 161774    |    12839203 |
| Punjab           |   477709 | 27404975 2.2   |             |   952103 | 41010 9108.5   | 120728 8  |   497984711 |
| Rajasthan        |   884170 | 19969229 4.5   |             |  1225124 | 24215 6171.4   | 178751 1  |   335607222 |
| Sikkim           |     4397 | 757810         |             |     4900 | 12233 67       | 3713      |      655550 |
| Tamil Nadu       |  7476603 | 72936937 5     |             |  9000204 | 84921 0076.6   | 121628 55 |  1065081227 |
|                  |    57767 | 3427697        | Tripura     |    46305 | 24126 60       | 63351     |     2641350 |
| Uttarakhand      |   253817 | 42081488       |             |   839382 | 96732 753      | 406278    |    66182470 |
| Uttar Pradesh    |  2621879 | 37600155 3     |             |  2262215 | 33701 3171     | 341299 2  |   443579076 |
|                  |   960709 | 25498601 2     | West Bengal |   907640 | 14239 1885     | 127064 4  |   183049215 |
| Total            | 31724847 | 48430577 00    |             | 36178639 | 52623 15928    | 437130 72 |  6125462109 |

Source: RBI

## Annexure V to USQ 1808 for USQ 1808 for 10.03.2017

Annual PSA - Agriculture  2016 -  Outstanding and Disbursement - All SCBs

| Bank Name                      | (No. of A/c in actual and amount in Rs.'000)   |                             |                                    |                                    |
|--------------------------------|------------------------------------------------|-----------------------------|------------------------------------|------------------------------------|
|                                | Disbursment during the year                    | Disbursment during the year | Outstanding at the end of the year | Outstanding at the end of the year |
|                                | No. of A/cs                                    | Amount disbursed            | No. of A/cs                        | Balance O/s                        |
| State Bank of Bikaner & Jaipur | 709099                                         | 122298802.39                | 787045                             | 158394961.00                       |
| State Bank of Hyderabad        | 260110                                         | 37535430.81                 | 1664487                            | 211994891.00                       |
| State Bank of India            | 11601324                                       | 1568757291.00               | 10601161                           | 2046507393.00                      |
| State Bank of Mysore           | 292036                                         | 67906902.15                 | 560519                             | 122162534.00                       |
| State Bank of Patiala          | 275069                                         | 135020015.00                | 409869                             | 171646235.00                       |
| State Bank of Travancore       | 848610                                         | 56811615.00                 | 823044                             | 93257729.00                        |
| SBI and its Associates         | 13986248                                       | 1988330056.35               | 14846125                           | 2803963743.00                      |
| Allahabad Bank                 | 707702                                         | 95998285.00                 | 1631983                            | 268271793.00                       |
| Andhra Bank                    | 2371025                                        | 191108444.80                | 2028446                            | 240799083.00                       |
| Bank of Baroda                 | 1035031                                        | 187965350.00                | 2035933                            | 450701604.00                       |
| Bank of India                  | 1922086                                        | 272530703.82                | 3044778                            | 505075384.00                       |
| Bank of Maharashtra            | 388953                                         | 70280449.26                 | 761687                             | 148660304.00                       |
| BHARATIYA MAHILA BANK LTD.     | 783                                            | 478433.94                   | 904                                | 670980.00                          |
| Canara Bank                    | 5030178                                        | 570179455.03                | 5916228                            | 671759342.00                       |
| Central Bank of India          | 1660735                                        | 212766884.00                | 2593058                            | 368503009.00                       |
| Corporation Bank               | 374098                                         | 56694945.00                 | 902536                             | 279746062.00                       |
| Dena Bank                      | 228315                                         | 60072647.90                 | 555917                             | 159124164.00                       |
| IDBI Bank Ltd.                 | 420444                                         | 67962591.12                 | 791850                             | 394263032.00                       |
| Indian Bank                    | 2810714                                        | 191853067.00                | 2760112                            | 225262390.00                       |
| Indian Overseas Bank           | 1274400                                        | 389221343.00                | 1752364                            | 302369483.00                       |
| Oriental Bank of Commerce      | 541830                                         | 159602800.00                | 609331                             | 259325610.00                       |
| Punjab and Sind Bank           | 45167                                          | 20390455.70                 | 234183                             | 89520659.00                        |
| Punjab National Bank           | 2513197                                        | 546712170.93                | 3870060                            | 641546161.00                       |
| Syndicate Bank                 | 1177536                                        | 171996283.01                | 1974194                            | 298988586.00                       |
| UCO Bank                       | 290172                                         | 86077403.00                 | 1123782                            | 195926439.00                       |
| Union Bank of India            | 1129677                                        | 194308867.17                | 2283950                            | 455066151.00                       |
| United Bank of India           | 267496                                         | 63727043.24                 | 930458                             | 126051101.00                       |
| Vijaya Bank                    | 703393                                         | 78670065.86                 | 715557                             | 137714204.00                       |
| Nationalised Banks             | 24892932                                       | 3688597688.78               | 36517311                           | 6219345541.00                      |
| Axis Bank                      | 428739                                         | 60041374.21                 | 633842                             | 355986291.00                       |
| BANDHAN BANK LIMITED           | 2219935                                        | 78234760.27                 | 3997876                            | 61181240.00                        |

| Catholic Syrian Bank     |   134581 |       9760409.06 |   130249 |   15977297.00 |
|--------------------------|----------|------------------|----------|---------------|
| City Union Bank          |   404918 |      2.48039e+07 |   352094 |   3.3904e+07  |
| Development Credit Bank  |    26845 |      1.23184e+07 |    35986 |   1.71236e+07 |
| Dhanlaxmi Bank           |   120794 |      1.22255e+07 |   113835 |   1.4145e+07  |
| Federal Bank             |   569005 |      8.11571e+07 |   412867 |   1.07041e+08 |
| HDFC Bank                |  1314474 |      4.59831e+08 |  1916658 |   6.5251e+08  |
| ICICI Bank               |  1363947 |      4.1143e+08  |  1681285 |   5.45843e+08 |
| IDFC BANK LIMITED        |    38799 | 675391           |    68853 |   1.28223e+06 |
| Indusind Bank            |  1080170 |      8.31851e+07 |  1646334 |   1.10218e+08 |
| Jammu & Kashmir Bank     |    84128 |      4.95565e+07 |   347668 |   7.87141e+07 |
| Karnataka Bank           |   169837 |      2.57298e+07 |   276473 |   5.83674e+07 |
| Karur Vysya Bank         |   618165 |      5.7624e+07  |   696884 |   7.86755e+07 |
| Kotak Mahindra Bank      |   684858 |      9.44819e+07 |   861703 |   2.06892e+08 |
| Lakshmi Vilas Bank       |   238462 |      2.72512e+07 |   267148 |   3.08615e+07 |
| Nainital Bank            |     2207 | 835914           |    13807 |   5.23336e+06 |
| Ratnakar Bank            |   405946 |      2.42044e+07 |   601926 |   2.7523e+07  |
| South Indian Bank        |   576159 |      7.12432e+07 |   380692 |   5.7168e+07  |
| Tamilnad Mercantile Bank |   549207 |      4.83439e+07 |   398155 |   4.39867e+07 |
| Yes Bank                 |  2973534 |      1.05528e+08 |  3022649 |   1.39815e+08 |
| Private Sector Banks     | 14004710 |      1.73846e+09 | 17856984 |   2.64245e+09 |
| Foreign Banks            |    22145 |      5.53442e+07 |    38252 |   6.5224e+07  |
| Total                    | 52906035 |      7.47073e+09 | 69258672 |   1.1731e+10  |

Source: RBI

Annexure VI to USQ 1808 for 10.03.2017

## Annual PSA - Agriculture  2016 -  Outstanding and Disbursement - All SCBs -Statewise

|        | (No. of A/c in actual and amount in Rs.'000)   | (No. of A/c in actual and amount in Rs.'000)   | (No. of A/c in actual and amount in Rs.'000)   | (No. of A/c in actual and amount in Rs.'000)   | (No. of A/c in actual and amount in Rs.'000)   |
|--------|------------------------------------------------|------------------------------------------------|------------------------------------------------|------------------------------------------------|------------------------------------------------|
|        |                                                | Disbursment during the year                    | Disbursment during the year                    | Outstanding at the end of the year             | Outstanding at the end of the year             |
| Sr. No | State                                          | No. of A/cs                                    | Amount disbursed                               | No. of A/cs                                    | Balance O/s                                    |

| 1   | Andamans             |     7918 |        940197.92 |     8695 |       1461252.00 |
|-----|----------------------|----------|------------------|----------|------------------|
| 2   | Andhra Pradesh       |  6245232 |      6.88353e+08 |  6561815 |      8.4764e+08  |
| 3   | Arunachal Pradesh    |     4803 |      1.02299e+06 |    15551 |      1.67119e+06 |
| 4   | Assam                |   683700 |      4.30903e+07 |  1606550 |      8.25914e+07 |
| 5   | Bihar                |  2965512 |      1.40268e+08 |  4263576 |      2.33199e+08 |
| 6   | Chandigarh           |     8930 |      2.28472e+07 |    14007 |      2.70967e+07 |
| 7   | Chattisgarh          |   346203 |      7.00244e+07 |   467902 |      8.21927e+07 |
| 8   | Dadra & Nagar Haveli |     1245 | 241458           |     3404 | 663650           |
| 9   | Daman & Diu          |     1555 | 355628           |     2218 | 370786           |
| 10  | Delhi                |    31012 |      1.66654e+08 |    51106 |      1.81698e+08 |
| 11  | Goa                  |    42195 |      7.16963e+06 |    57729 |      1.84218e+07 |
| 12  | Gujarat              |  1508112 |      3.75367e+08 |  2062677 |      5.16959e+08 |
| 13  | Haryana              |   778979 |      3.44151e+08 |  1073662 |      4.74226e+08 |
| 14  | Himachal Pradesh     |   251123 |      4.58488e+07 |   317512 |      5.10666e+07 |
| 15  | Jammu & Kashmir      |   130072 |      5.67366e+07 |   400737 |      8.20537e+07 |
| 16  | Jharkhand            |   516135 |      2.46917e+07 |  1101525 |      6.60414e+07 |
| 17  | Karnataka            |  2676625 |      5.08929e+08 |  4340563 |      9.55571e+08 |
| 18  | Kerala               |  4275400 |      4.58343e+08 |  4123284 |      5.41698e+08 |
| 19  | Lakshadweep          |      511 |  30129           |     1355 | 158142           |
| 20  | Madhya Pradesh       |  2479685 |      3.30562e+08 |  2726926 |      4.98592e+08 |
| 21  | Maharashtra          |  3336316 |      6.9703e+08  |  5502437 |      2.52062e+09 |
| 22  | Manipur              |    21797 |      2.54101e+06 |    38828 |      3.82279e+06 |
| 23  | Meghalaya            |    26750 |      1.63309e+06 |    73978 |      4.61329e+06 |
| 24  | Mizoram              |     9800 | 428866           |    20202 |      1.42214e+06 |
| 25  | Nagaland             |    20153 |      1.37015e+06 |    44299 |      3.01386e+06 |
| 26  | Orissa               |  1030901 |      1.26237e+08 |  1862075 |      1.27557e+08 |
| 27  | Puducherry           |   145582 |      1.39139e+07 |   158305 |      1.55164e+07 |
| 28  | Punjab               |  1098447 |      5.37787e+08 |  1446956 |      7.01409e+08 |
| 29  | Rajasthan            |  2600549 |      4.61038e+08 |  3034674 |      6.07445e+08 |
| 30  | Sikkim               |     6730 | 950529           |    16623 |      1.66019e+06 |
| 31  | Tamil Nadu           | 11408990 |      1.15311e+09 | 12194360 |      1.26736e+09 |
| 32  | Telangana            |  2069876 |      2.97484e+08 |  3096392 |      4.46439e+08 |
| 33  | Tripura              |   164641 |      6.46527e+06 |   324407 |      1.21831e+07 |
| 34  | Uttarakhand          |   333112 |      6.89157e+07 |   461248 |      8.22678e+07 |
| 35  | Uttar Pradesh        |  4124547 |      5.0029e+08  |  6414870 |      8.62412e+08 |
| 36  | West Bengal          |  3552897 |      3.15913e+08 |  5368224 |      4.09872e+08 |
|     | TOTAL                | 52906035 |      7.47073e+09 | 69258672 |      1.1731e+10  |

Source: RBI