Lok Sabha Question No. 1815 (UNSTARRED), answered on 2017-03-10
Subject: NABARD Loan
Ministry: FINANCE
Asked by: C.S. PUTTARAJU

## Ministry of Finance Department of Financial Services Lok   Sabha

## Unstarred Question No. 1815

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

## NABARD Loan

1815. SHRI C.S. PUTTA RAJU:

Will the Minister of FINANCE be pleased to state:

- (a) whether the  Government  proposes  to  provide  loans  through  National  Bank  for Agriculture and  Rural  Development  (NABARD)  for  various  purposes  related to agriculture;
- (b) if so, the details thereof and loans provided to each work/project during Eleventh and Twelfth Plan Periods, year-wise and State/UT-wise along with works undertaken with such loan;
- (c) whether  the  Government  of  Karnataka  has  requested  NABARD  to  release Rs.500 crore to enable it to provide loans to farmers; and
- (d) if so, the details thereof and action taken  by the Government thereon?

## Answer

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

- (a)  &  (b)  National  Bank  for  Agriculture  and  Rural  Development  (NABARD)  extends refinance to banks and provides loan assistance to State Governments for promotion and development of agriculture and other rural activities. However, NABARD does not provide direct loans to individuals. Details of NABARD's major interventions towards this end are as under:
-  Short term refinance to State Cooperative Banks (StCB), Regional Rural Banks (RRBs) and Public Sector Banks (PSBs) (details in Annex. I, II & III).
-  Loan to State Government/State Owned Corporations under Rural Infrastructure Development  Fund  (RIDF)  for  development  of  infrastructure  in  rural  areas  (details  in Annex. IV & V).
-  Long term refinance to RRBs, StCB, State Coop. Agriculture & Rural Development Banks (SCARDBs), etc. (details in Annex. VI).
-  Long Term Irrigation Fund (LTIF) for funding and fast tracking of the incomplete major and medium irrigation projects identified by Ministry of Water Resources, River Development and Ganga Rejuvenation (MoWR, RD & GR) (details in Annex. VII).
- (c) & (d): NABARD has reported that they have not received any such request from the Government of Karnataka .

## Annexure I refer to part (a) & (b) to USQ 1815 for 10.03.2017

## Short Term Refinance disbursed to State Cooperative Banks (StCBs) during 2013-14, 2014-15, 201516

|    | Name of the State   |                    |
|----|---------------------|--------------------|
| 1  | 2                   |                    |
|    | South-Zone          |                    |
|    | 2                   | Karnataka          |
|    | 3                   | Kerala             |
|    |                     | Nadu               |
|    | 4                   | Tamil              |
|    | 5                   | Telengana          |
|    | 6                   | Pondichery         |
|    |                     | Sub-Total          |
|    |                     | North-Zone         |
|    | 7                   | Delhi              |
|    | 8                   | Haryana            |
|    | 9                   | Himachal Pradesh   |
|    | 10                  | Jammu & Kashmir    |
|    | 11                  | Punjab             |
|    | 12                  | Uttar Pradesh      |
|    | 13                  | Uttarakhand        |
|    |                     | Sub-Total          |
|    | North               |                    |
|    |                     | East-Zone          |
|    | 15 16               | Assam              |
|    | 17                  | Manipur Meghalaya  |
|    | 18                  |                    |
|    |                     | Mizoram            |
|    | 19                  | Nagaland           |
|    | 20                  | Tripura            |
|    | 21                  | Sikkim             |
|    |                     | Sub-Total          |
|    |                     | East-Zone          |
|    | 23 24               | Bihar Chhatishgarh |
|    | 25                  | Jharkhand          |
|    | 26                  | Orissa             |
|    | 27                  | West Bengal        |
|    |                     | Sub-Total          |
|    | 30                  | Madhya Pradesh     |
|    | 31                  | Maharashtra        |
|    | 32                  | Rajasthan          |
|    |                     | Sub-Total          |

|                | Grand Total   |
|----------------|---------------|
| Source: NABARD |               |

Annexure II refer to part (a) & (b) to USQ 1815 for 10.03.2017

Short Term Refinance disbursed to Public Sector Banks (PSBs) for Primary Agriculure Credit Societies (PACS) during 2013-14, 2014-15, 2015-16

₹

crore

|        |                                 | 2013-14   | 2014-15   | 2015-16   |
|--------|---------------------------------|-----------|-----------|-----------|
| Sr.No. | Name of State / Union Territory |           |           |           |
| 1      | Andhra Pradesh                  | 93.91     | 155.68    | 28.73     |
| 2      | Telengana                       | 0.00      | 0.00      | 142.6     |
| 3      | Karnataka                       | 40.63     | 57.35     | 55.21     |
|        | TOTAL :                         | 134.54    | 213.03    | 226.54    |

Source: NABARD

|    | Name of the State   | 2013   |
|----|---------------------|--------|
| 1  | 2                   |        |
|    | South-Zone          |        |
|    | Andhra Pradesh      | 316    |
|    | Karnataka           | 244    |
|    | Kerala              | 186    |
|    | Telangana           |        |
|    | Tamil Nadu          | 109    |
|    | Pondicherry         | 7      |
|    | Sub-Total           | 863    |
|    | North-Zone          |        |
|    | Delhi               |        |
|    | Himachal Pradesh    | 17     |
|    | Jammu & Kashmir     | 9      |
|    | Haryana             | 147    |
|    | Punjab              | 166    |
|    | Uttarakhand         | 14     |
|    | Uttar Pradesh       | 466    |
|    | Sub-Total           | 820    |
|    | North East-         |        |
|    | Zone                |        |
|    | Arunachal Pradesh   |        |
|    | Assam               | 10     |
|    | Manipur             |        |
|    | Mizoram             |        |
| 18 | Meghalaya           | 1      |
|    | Nagaland            |        |
|    | Sikkim              |        |
|    | Tripura             | 5      |
|    | Sub-Total           | 17     |
|    | East-Zone           |        |
|    | A&N Island          |        |
|    | Bihar               | 220    |
|    | Chhatishgarh        | 15     |
|    | Jharkhand           | 10     |
|    |                     | 40     |
|    | Orissa              |        |
|    | Sub-Total           | 358    |
|    | West-Zone           |        |
|    | Goa                 |        |
|    | Gujarat             | 87     |
|    | Madhya Pradesh      | 117    |

| 31   | Maharashtra   |   57 |
|------|---------------|------|
| 32   | Rajasthan     |  272 |
|      | Sub-Total     |  535 |
|      | Grand Total   | 2596 |

Source: NABARD

Annexure IV refer to part (a) & (b) of USQ 1815 for 10.03.2017

RIDF - Sanction & Disbursement - 11th FYP (2007-2012)

| Financial Year    | 2007-08   | 2007-08   | 2008-09   | 2008-09   | 2009-10   | 2009-10   | 2010-11   | 2010-11   |
|-------------------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|
| Financial Year    | Sanction  | Disb.     | Sanction  | Disb.     | Sanction  | Disb.     | Sanction  | Di        |
| ANDHRA PRADESH    | 1265.86   | 1009.79   | 1333.42   | 1081.00   | 1184.95   | 1018.22   | 1236.90   | 8         |
| ARUNACHAL PRADESH | 29.21     | 62.28     | 123.69    | 84.84     | 56.21     | 78.41     |           |           |
| ASSAM             | 88.49     | 188.00    | 113.23    | 200.00    | 300.18    | 199.99    | 283.73    | 1         |
| BIHAR             | 569.07    | 296.96    | 752.24    | 495.17    | 673.93    | 541.93    | 1089.87   | 6         |
| CHATTISGARH       | 68.99     | 59.67     | 71.88     | 113.19    | 102.26    | 111.97    | 128.84    |           |
| GOA               | 27.27     | 5.35      | 85.50     | 65.50     | 148.59    | 84.72     | 57.00     |           |
| GUJARAT           | 649.02    | 712.05    | 1084.92   | 884.54    | 971.53    | 990.70    | 1163.20   | 8         |
| HARYANA           | 220.20    | 220.31    | 249.66    | 285.62    | 481.69    | 269.72    | 486.04    | 2         |
| HIMACHAL PRADESH  | 298.21    | 200.00    | 405.85    | 220.00    | 454.13    | 300.00    | 405.31    | 3         |
| JAMMU &KASHMIR    | 554.76    | 250.62    | 325.81    | 410.64    | 627.68    | 427.99    | 898.02    | 4         |
| JHARKHAND         | 406.86    | 218.27    | 630.76    | 320.00    | 566.75    | 354.96    | 623.09    | 4         |
| KARNATAKA         | 957.78    | 333.58    | 674.02    | 453.87    | 653.61    | 610.58    | 860.98    | 7         |
| KERALA            | 298.02    | 191.21    | 500.71    | 205.91    | 380.42    | 382.54    | 552.02    | 3         |
| MADHYA PRADESH    | 1261.22   | 652.69    | 974.92    | 752.21    | 1175.79   | 602.79    | 1169.80   | 3         |
| MAHARASHTRA       | 1043.15   | 523.79    | 1110.40   | 874.29    | 912.71    | 801.60    | 1123.38   | 6         |
| MANIPUR           | 0.00      | 4.12      | 0.00      | 1.40      | 3.78      | 8.85      | 271.65    |           |
| MEGHALAYA         | 56.85     | 29.27     | 66.15     | 41.40     | 135.11    | 60.01     | 142.96    |           |
| MIZORAM           | 22.33     | 14.00     | 1.07      | 14.00     | 74.73     | 30.00     | 145.79    |           |
| NAGALAND          | 14.57     | 27.00     | 126.75    | 57.18     | 187.09    | 56.05     | 78.56     |           |
| ODISHA            | 508.97    | 230.65    | 849.26    | 366.30    | 759.58    | 602.61    | 898.26    | 7         |
| PUDUCHERRY        |           |           | 54.58     |           | 78.75     | 23.43     | 105.74    |           |
| PUNJAB            | 366.43    | 382.54    | 582.55    | 450.00    | 552.65    | 450.00    | 602.02    | 4         |
| RAJASTHAN         | 777.94    | 499.98    | 1099.71   | 700.00    | 981.36    | 850.00    | 1300.23   | 10        |
| SIKKIM            | 42.16     | 14.53     | 98.99     | 40.00     | 173.28    | 38.77     | 71.95     |           |
| TAMILNADU         | 956.82    | 801.70    | 905.43    | 846.07    | 850.08    | 1015.49   | 1033.10   | 7         |
| TELANGANA         | 0.00      | 0.00      | 0.00      | 0.00      | 0.00      | 0.00      | 0.00      |           |
| TRIPURA           | 153.69    | 30.99     | 305.03    | 47.54     | 142.48    | 76.98     | 86.15     |           |
| UTTAR PRADESH     | 1090.74   | 549.70    | 921.71    | 729.77    | 1340.03   | 1628.93   | 1557.25   | 14        |
| UTTARAKHAND       | 144.62    | 149.41    | 299.86    | 192.13    | 446.17    | 200.54    | 740.86    | 3         |
| WEST BENGAL       | 664.56    | 376.47    | 820.11    | 526.07    | 925.04    | 569.76    | 1164.10   | 6         |
| TOTAL             | 11271.93  | 7025.14   | 13234.79  | 9377.64   | 14155.61  | 11369.32  | 17039.90  | 111       |

Note : Disbursement shown against each State is disbursement under all ongoing tranches during the year.

Source: NABARD

Annexure V refere to part (a) & (b) of USQ 1815 for 10.03.2017

RIDF - Sanction & Disbursement - 12th FYP (2012-2017)

| Financial Year    | 2012-13   | 2012-13   | 2013-14   | 2013-14   | 2014-15   | 2014-15   | 2015-1   | 2015-1   |
|-------------------|-----------|-----------|-----------|-----------|-----------|-----------|----------|----------|
| Financial Year    | Sanction  | Disb.     | Sanction  | Disb.     | Sanction  | Disb.     | Sanction |          |
| ANDHRA PRADESH    | 1054.96   | 1421.26   | 1449.54   | 754.92    | 1297.03   | 648.33    | 924.61   |          |
| ARUNACHAL PRADESH | 0.00      | 55.41     | 217.38    | 67.00     | 70.37     | 93.64     | 159.77   |          |
| ASSAM             | 260.96    | 251.27    | 481.33    | 125.94    | 626.32    | 261.46    | 602.94   |          |
| BIHAR             | 1490.16   | 902.36    | 1764.27   | 1325.05   | 1085.20   | 1128.63   | 2024.86  |          |
| CHATTISGARH       | 982.79    | 288.39    | 1002.55   | 674.38    | 1135.95   | 783.58    | 817.38   |          |
| GOA               | 195.00    | 108.71    | 269.80    | 119.93    | 309.43    | 154.72    | 306.63   |          |
| GUJARAT           | 1464.20   | 1700.00   | 1800.00   | 1752.05   | 2615.25   | 1410.92   | 2903.14  |          |
| HARYANA           | 355.58    | 322.37    | 490.17    | 420.79    | 656.23    | 477.75    | 505.21   |          |
| HIMACHAL PRADESH  | 432.15    | 400.00    | 496.09    | 350.01    | 707.60    | 400.00    | 644.93   |          |
| JAMMU &KASHMIR    | 275.96    | 413.00    | 40.26     | 277.31    | 307.91    | 365.71    | 353.98   |          |
| JHARKHAND         | 447.57    | 750.00    | 1292.37   | 750.01    | 1161.85   | 790.00    | 1279.94  |          |
| KARNATAKA         | 622.24    | 749.08    | 906.79    | 617.95    | 1317.25   | 708.23    | 1008.04  |          |
| KERALA            | 738.75    | 410.00    | 1003.62   | 492.44    | 1200.59   | 551.37    | 709.76   |          |
| MADHYA PRADESH    | 1793.95   | 1250.01   | 2103.94   | 1249.99   | 1972.55   | 1500.00   | 1852.49  |          |
| MAHARASHTRA       | 559.70    | 685.27    | 648.56    | 665.40    | 1321.63   | 700.23    | 869.29   |          |
| MANIPUR           | 0.00      | 44.00     |           | 19.82     |           | 7.91      | 161.84   |          |
| MEGHALAYA         | 6.82      | 50.91     |           | 51.67     | 92.97     | 78.50     | 115.00   |          |
| MIZORAM           | 0.00      | 42.46     | 118.57    | 41.47     | 29.21     | 28.11     | 125.85   |          |
| NAGALAND          | 0.00      | 48.20     | 40.00     | 55.28     | 6.16      | 31.73     | 3.60     |          |
| ODISHA            | 1416.66   | 945.24    | 1054.78   | 1001.95   | 2651.80   | 1563.30   | 2999.67  |          |
| PUDUCHERRY        | 0.00      | 25.43     | 40.35     | 45.71     | 59.07     | 41.24     | 55.48    |          |
| PUNJAB            | 621.34    | 190.00    | 656.31    | 524.90    | 680.91    | 502.84    | 483.98   |          |
| RAJASTHAN         | 2111.33   | 1150.10   | 1788.42   | 1549.09   | 2191.81   | 1872.96   | 1870.95  |          |
| SIKKIM            | 0.00      | 74.58     |           | 47.00     | 63.34     | 37.76     | 0.00     |          |
| TAMILNADU         | 1445.11   | 1216.83   | 1441.36   | 1268.85   | 1651.40   | 1325.29   | 1944.17  |          |
| TELANGANA         | 0.00      |           |           |           | 959.24    | 451.80    | 913.72   |          |
| TRIPURA           | 99.33     | 144.26    | 113.93    | 150.00    | 174.43    | 197.22    | 342.12   |          |
| UTTAR PRADESH     | 2140.33   | 1413.12   | 1789.27   | 1342.59   | 1627.23   | 1520.18   | 2211.82  |          |
| UTTARAKHAND       | 367.16    | 440.00    | 534.77    | 545.01    | 1194.40   | 700.00    | 1106.35  |          |
| WEST BENGAL       | 1397.28   | 800.00    | 1186.78   | 1067.55   | 1434.74   | 1332.32   | 1532.13  |          |
| TOTAL             | 20279.33  | 16292.26  | 22731.21  | 17354.07  | 28601.87  | 19665.74  | 28829.65 | 2        |

Note : Disbursement shown against each State is disbursement under all ongoing tranches during the year.

Source: NABARD

## Annexure VI refer to part (a) & (b) of USQ 1815 for 10.03.2017

## Long Term Refinance Disbursement under LTRCF during 2014-15 an

| S.No.   | State                  | 2014-15   | 2014-15   | 2014-15   | 2014-15   |         |
|---------|------------------------|-----------|-----------|-----------|-----------|---------|
|         |                        | RRBs      | StCBs     | SCARDBs   | Total     | RRBs    |
| 1       | ANDHRA PRADESH         | 365.07    | 208.94    | 0.00      | 574.01    | 1058.76 |
| 2       | ARUNACHAL PRADESH      | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 3       | ASSAM                  | 65.00     | 0.00      | 0.00      | 65.00     | 126.07  |
| 4       | BIHAR                  | 766.54    | 0.00      | 0.00      | 766.54    | 2139.53 |
| 5       | CHHATTISGARH           | 0.00      | 37.44     | 0.00      | 37.44     | 5.50    |
| 6       | GOA                    | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 7       | GUJARAT                | 29.68     | 212.45    | 26.67     | 268.80    | 95.15   |
| 8       | DDR & NGRHAVELI (GUJ.) | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 9       | HIMACHAL PRADESH       | 3.57      | 113.13    | 0.00      | 116.70    | 2.68    |
| 10      | JAMMU&KASHMIR          | 16.59     | 0.00      | 0.00      | 16.59     | 45.53   |
| 11      | JHARKHAND              | 2.54      | 0.00      | 0.00      | 2.54      | 15.20   |
| 12      | KARNATAKA              | 292.30    | 353.03    | 50.15     | 695.48    | 1170.30 |
| 13      | KERALA                 | 22.75     | 0.00      | 219.01    | 241.76    | 37.61   |
| 14      | LAKSHADWEEP(KERALA)    | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 15      | MADHYA PRADESH         | 15.00     | 13.37     | 0.00      | 28.37     | 195.51  |
| 16      | MAHARASHTRA            | 68.34     | 0.00      | 0.00      | 68.34     | 65.06   |
| 17      | MANIPUR                | 0.00      | 0.00      | 0.00      | 0.00      | 4.80    |
| 18      | MEGHALAYA              | 0.00      | 1.27      | 0.00      | 1.27      | 2.76    |
| 19      | MIZORAM                | 1.61      | 2.47      | 0.00      | 4.08      | 16.87   |
| 20      | NAGALAND               | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 21      | NEWDELHI               | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 22      | ODISHA                 | 37.06     | 35.98     | 0.00      | 73.04     | 0.00    |
| 23      | HARYANA                | 30.46     | 26.32     | 8.28      | 65.06     | 74.65   |
| 24      | PUNJAB                 | 77.18     | 95.20     | 101.06    | 273.44    | 262.86  |
| 25      | CHANDIGARH (PUNJAB)    | 0.00      | 0.00      | 0.00      | 0.00      | 0.00    |
| 26      | RAJASTHAN              | 74.09     | 58.17     | 82.19     | 214.45    | 317.50  |

| 27   | SIKKIM              | 0.00    |    2.10 | 0.00   |    2.10 |    0.00 |
|------|---------------------|---------|---------|--------|---------|---------|
| 28   | TAMILNADU           | 644.47  |  173.31 | 0.00   |  817.78 |  606.82 |
| 29   | PUDUCHERRY (T.NADU) | 0.00    |    0    | 0.00   |    0    |    5    |
| 30   | TELENGANA           |         |    0    |        |    0    | 1259.09 |
| 31   | TRIPURA             | 17.00   |   22.5  | 0.00   |   39.5  |   85    |
| 32   | UTTAR PRADESH       | 252.14  |    0.11 | 204.43 |  456.68 |  798.63 |
| 33   | UTTARAKHAND         | 49.71   |   53.88 | 0.00   |  103.59 |   38.54 |
| 34   | WEST BENGAL         | 27.74   |    0    | 30.00  |   57.74 |   90.55 |
| 35   | A & NISLANDS        | 0.00    |   10    | 0.00   |   10    |    0    |
|      | TOTAL               | 2858.84 | 1419.67 | 721.79 | 5000.3  | 8519.97 |

Source: NABARD

| Annexure VII refer to part (a) &(b) to USQ 1815 for 10.03.2017               | Annexure VII refer to part (a) &(b) to USQ 1815 for 10.03.2017               | Annexure VII refer to part (a) &(b) to USQ 1815 for 10.03.2017               | Annexure VII refer to part (a) &(b) to USQ 1815 for 10.03.2017               |
|------------------------------------------------------------------------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|
| LTIF- Status of Sanctions and Disbursements during 2016-17- as on 28.02.2017 | LTIF- Status of Sanctions and Disbursements during 2016-17- as on 28.02.2017 | LTIF- Status of Sanctions and Disbursements during 2016-17- as on 28.02.2017 | LTIF- Status of Sanctions and Disbursements during 2016-17- as on 28.02.2017 |
| (Rs. in crore)                                                               | (Rs. in crore)                                                               | (Rs. in crore)                                                               | (Rs. in crore)                                                               |
| Sr. No.                                                                      | State                                                                        | Loan amount sanctioned                                                       | Loan amount released                                                         |
| 1                                                                            | Andhra Pradesh                                                               | 43                                                                           |                                                                              |
| 2                                                                            | Assam                                                                        | 168                                                                          |                                                                              |
| 3                                                                            | Bihar                                                                        | 134                                                                          |                                                                              |
| 4                                                                            | Chhattisgarh                                                                 | 107                                                                          |                                                                              |
| 5                                                                            | Goa                                                                          | 0                                                                            |                                                                              |
| 6                                                                            | Gujarat                                                                      | 11770                                                                        | 1351.69                                                                      |
| 7                                                                            | J&K                                                                          | 0                                                                            |                                                                              |
| 8                                                                            | Jharkhand                                                                    | 1847                                                                         |                                                                              |
| 9                                                                            | Karnataka                                                                    | 687                                                                          | 84.153                                                                       |
| 10                                                                           | Kerala                                                                       | 0                                                                            |                                                                              |
| 11                                                                           | Madhya Pradesh                                                               | 3128                                                                         | 234.885                                                                      |
| 12                                                                           | Maharashtra                                                                  | 10505                                                                        | 1399.08                                                                      |
| 13                                                                           | Manipur                                                                      | 310                                                                          | 89.25                                                                        |
| 14                                                                           | Odisha                                                                       | 2387                                                                         | 239.85                                                                       |
| 15                                                                           | Punjab                                                                       | 144                                                                          | 47.17                                                                        |
| 16                                                                           | Rajasthan                                                                    | 984                                                                          | 5.1                                                                          |
| 17                                                                           | Telengana                                                                    | 3317                                                                         | 238.81                                                                       |
| 18                                                                           | Uttar Pradesh                                                                | 717                                                                          |                                                                              |
|                                                                              | Sub-Total                                                                    | 36248                                                                        | 3690                                                                         |
|                                                                              | Polavaram project                                                            | 2981.54                                                                      | 1981                                                                         |
|                                                                              | Gross-Total                                                                  | 39230                                                                        | 5671                                                                         |

Source: NABARD