Lok Sabha Question No. 2329 (UNSTARRED), answered on 2018-01-02
Subject: Agricultural Loan
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: JAYSHREEBEN  PATEL

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE, COOPERATION AND FARMERS WELFARE

## LOK  SABHA UNSTARRED QUESTION NO. 2329

TO BE ANSWERED ON THE 2 ND  JANUARY, 2018

## AGRICULTURAL LOAN

2329.  SHRIMATI JAYSHREEBEN PATEL:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान कयाण मंी be pleased to state:

- (a) the number of farmers who were provided agricultural loan by the nationalised banks and co-operative banks along with the amount thereof during the last three years and the current year;
- (b) the details of the loan amount recovered from the farmers, State-wise; and
- (c) the reasons for non-recovery of loans from the farmers, if any?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण मंालय म राय मंी (SHRI PARSHOTTAM RUPALA)

- (a) & (b): The  number  of  farmers  who  were  provided  with  agricultural  loan  by  the Commercial Banks (including both nationalized banks and private sector banks) and Cooperative  Banks  along  with  amount  disbursed  during  the  last  three  years  and  the  current years as per available data is at Annexure-I. The data pertaining to Nationalized Banks is not maintained separately.

The  details  made  available  by  National  Bank  for  Agriculture  and  Rural  Development (NABARD) on loan amount recovered from the farmers in respect of State Cooperative Banks and District Central Cooperative Banks (DCCBs) and outstanding balance made available by Reserve  Bank  of  India  (RBI)  in  respect  of  Scheduled  Commercial  Banks  (SCBs)  is  at Annexure -II.

- (c): The reasons for low recovery vary from State to State and region to region and include factors both external and internal to the banks.  While the factors external to the bank that could have adverse impact on recovery include inter alia the adverse weather and crop conditions, general  recovery  climate,  anticipation  of  loan  waivers,  etc.    Some  of  the  factors  which  are internal  to  the  functioning  of  banks  are  lack  of  proper  borrower/project  appraisal,  absence  of monitoring  of  loan  accounts,  regular  follow-up,  non-identification  of  incipient  Non  Performing Assets (NPA) accounts, etc.

## Annexure-I

Detail of farmers who have been provided agriculture loan by the Nationalized Banks and Cooperative Banks during the last three years and current year

(No. of accounts in absolute number and Amount in Rs. crore)

| Agency                                 | Year            | Year             | Year            | Year             | Year            | Year             | Year            | Year             |
|----------------------------------------|-----------------|------------------|-----------------|------------------|-----------------|------------------|-----------------|------------------|
| Agency                                 | 2014-15         | 2014-15          | 2015-16         | 2015-16          | 2016-17         | 2016-17          | 2017-18         | 2017-18          |
| Agency                                 | No. of accounts | amount disbursed | No. of accounts | amount disbursed | No. of accounts | amount disbursed | No. of accounts | amount disbursed |
| Nationalized Banks (Commercial Banks,) | 42619508        | 604375.82        | 44162261        | 642954.06        | 61799257        | 733200.93        | Not available   | 352796.24        |
| Cooperative Banks                      | 30685751        | 138469.50        | 32420115        | 153294.98        | 23642242        | 122651.25        | Not available   | 76659.55         |

## DETAILS OF LOAN AMOUNT RECOVERED

|                                                                 |                                                                 |                                                                 | Amt                                                             |                                                                 |
|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|
| State Cooperative Banks (StCBs) - Demand Collection and Balance | State Cooperative Banks (StCBs) - Demand Collection and Balance | State Cooperative Banks (StCBs) - Demand Collection and Balance | State Cooperative Banks (StCBs) - Demand Collection and Balance | State Cooperative Banks (StCBs) - Demand Collection and Balance |
|                                                                 | Name of StCB                                                    | Demand for the period                                           | Recoveries/ Collection during the period                        | Recovery%                                                       |
| Sno                                                             |                                                                 | Total                                                           | Total                                                           | Total                                                           |
| 1                                                               | THE ANDAMAN & NICOBAR STATE CO-OPERATIVE BANK LTD.              | 11,922.12                                                       | 8,008.06                                                        | 67.17                                                           |
| 2                                                               | THE ANDHRA PRADESH STATE CO-OPERATIVE BANK LTD.                 | 83,240.75                                                       | 81,899.17                                                       | 98.39                                                           |
| 3                                                               | THE ASSAM CO-OPERATIVE APEX BANK LTD.                           | 6,405.96                                                        | 2,649.48                                                        | 41.36                                                           |
| 4                                                               | THE BIHAR STATE CO-OPERATIVE BANK LTD.                          | 130,884.08                                                      | 122,071.52                                                      | 93.27                                                           |
| 5                                                               | THE CHANDIGARH STATE CO-OPERATIVE BANK LTD.                     | 1,898.50                                                        | 1,554.38                                                        | 81.87                                                           |
| 6                                                               | THE CHHATTISGARH RAJYA SAHAKARI BANK MARYADIT                   | 50,487.90                                                       | 38,997.54                                                       | 77.24                                                           |
| 7                                                               | THE DELHI STATE CO-OPERATIVE BANK LTD.                          | 44,318.17                                                       | 42,402.41                                                       | 95.68                                                           |
| 8                                                               | THE GUJARAT STATE CO-OPERATIVE BANK LTD.                        | 271,995.58                                                      | 263,896.78                                                      | 97.02                                                           |
| 9                                                               | THE HARYANA STATE CO-OPERATIVE APEX BANK LTD.                   | 687,985                                                         | 687,722                                                         | 99.96                                                           |
| 10                                                              | THE HIMACHAL PRADESH STATE CO-OPERATIVE BANK LTD.               | 20,802.92                                                       | 10,156.31                                                       | 48.82                                                           |
| 11                                                              | THE JAMMU & KASHMIR STATE CO-OPERATIVE BANK LTD.                | 7,282.28                                                        | 5,280.02                                                        | 72.51                                                           |
| 12                                                              | THE KARNATAKA STATE CO-OPERATIVE APEX BANK LTD.                 | 645,674.89                                                      | 624,913.15                                                      | 96.78                                                           |
| 13                                                              | THE KERALA STATE CO-OPERATIVE BANK LTD.                         | 743,361                                                         | 691,507.95                                                      | 93.02                                                           |
| 14                                                              | THE MADHYA PRADESH RAJYA SAHAKARI BANK MARYADIT                 | 676,128.88                                                      | 606,206.94                                                      | 89.66                                                           |
| 15                                                              | THE MAHARASHTRA STATE CO-OPERATIVE BANK LTD.                    | 890,759.84                                                      | 744,864.01                                                      | 83.62                                                           |
| 16                                                              | THE MEGHALAYA CO-OPERATIVE APEX BANK LTD.                       | 10,710.57                                                       | 2,066.02                                                        | 19.29                                                           |
| 17                                                              | THE MIZORAM CO-OPERATIVE APEX BANK LTD.                         | 17,681.23                                                       | 11,011.69                                                       | 62.28                                                           |
| 18                                                              | THE ORISSA STATE CO-OPERATIVE BANK LTD.                         | 634,429.26                                                      | 622,139.95                                                      | 98.06                                                           |
| 19                                                              | THE PONDICHERRY STATE CO-OPERATIVE BANK LTD.                    | 36,895.76                                                       | 34,368.99                                                       | 93.15                                                           |
| 20                                                              | THE PUNJAB STATE CO-OPERATIVE BANK LTD.                         | 715,601.69                                                      | 713,487.26                                                      | 99.70                                                           |
| 21                                                              | THE RAJASTHAN STATE CO-OPERATIVE BANK LTD.                      | 634,026.06                                                      | 632,705.94                                                      | 99.79                                                           |
| 22                                                              | THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LTD.                | 627,372.33                                                      | 620,137.80                                                      | 98.85                                                           |
| 23                                                              | THE TELANGANA STATE CO-OPERATIVE BANK LTD.                      | 242,876.05                                                      | 242,356.73                                                      | 99.79                                                           |
| 24                                                              | THE UTTAR PRADESH STATE CO-OPERATIVE BANK LTD.                  | 447,719.14                                                      | 428,442.56                                                      | 95.69                                                           |
|                                                                 | Total                                                           | 7,640,459.96                                                    | 7,238,846.66                                                    | 94.74                                                           |

(Source: Audited data  as reported by Banks and available on ENSURE portal in r/o  24 out of 33 StCBs for 2017)

## ANNEXURE-II

Continue….

| DISTRICT CENTRAL COPPERATIVE BANKs (DCCBs)- Demand, Collection, and Balance   | DISTRICT CENTRAL COPPERATIVE BANKs (DCCBs)- Demand, Collection, and Balance   | DISTRICT CENTRAL COPPERATIVE BANKs (DCCBs)- Demand, Collection, and Balance   | DISTRICT CENTRAL COPPERATIVE BANKs (DCCBs)- Demand, Collection, and Balance   | DISTRICT CENTRAL COPPERATIVE BANKs (DCCBs)- Demand, Collection, and Balance   |
|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|
| Sr.                                                                           | Name of the State/ UT                                                         | Demand for                                                                    | Recoveries/ Collection                                                        | Report as on 30 June 2017 Recovery%                                           |
| 1                                                                             | Andhra Pradesh                                                                | 735664.34                                                                     | 653279.37                                                                     | 88.80                                                                         |
| 2                                                                             | Bihar                                                                         | 49813.30                                                                      | 17052.20                                                                      | 34.23                                                                         |
| 3                                                                             | Chhattisgarh                                                                  | 465601.53                                                                     | 331270.86                                                                     | 71.15                                                                         |
| 4                                                                             | Gujarat                                                                       | 1323089.54                                                                    | 1165744.25                                                                    | 88.11                                                                         |
| 5                                                                             | Haryana                                                                       | 1059788.42                                                                    | 718460.33                                                                     | 67.79                                                                         |
| 6                                                                             | Himachal Pradesh                                                              | 98579.02                                                                      | 68676.89                                                                      | 69.67                                                                         |
| 7                                                                             | Jammu and Kashmir                                                             | 22374.73                                                                      | 11927.22                                                                      | 53.31                                                                         |
| 8                                                                             | Jharkhand                                                                     | 1313893.37                                                                    | 1194776.08                                                                    | 90.93                                                                         |
| 9                                                                             | Karnataka                                                                     | 1523842.79                                                                    | 1082983.05                                                                    | 71.07                                                                         |
| 10                                                                            | Kerala                                                                        | 1419850.20                                                                    | 892302.49                                                                     | 62.84                                                                         |
| 11                                                                            | Madhya Pradesh                                                                | 3190011.08                                                                    | 1454859.66                                                                    | 45.61                                                                         |
| 12                                                                            | Maharashtra                                                                   | 1106846.28                                                                    | 812026.56                                                                     | 73.36                                                                         |
| 13                                                                            | Odisha                                                                        | 1067183.47                                                                    | 812154.39                                                                     | 76.10                                                                         |
| 14                                                                            | Punjab                                                                        | 1525588.99                                                                    | 1260295.21                                                                    | 82.61                                                                         |
| 15                                                                            | Rajasthan                                                                     | 1181975.84                                                                    | 1036525.67                                                                    | 87.69                                                                         |
| 16                                                                            | Tamil Nadu                                                                    | 444719.76                                                                     | 400269.25                                                                     | 90.00                                                                         |
| 17                                                                            | Telangana                                                                     | 552275.35                                                                     | 157997.12                                                                     | 28.61                                                                         |
| 18                                                                            | Uttarakhand                                                                   | 76242.69                                                                      | 29800.27                                                                      | 39.09                                                                         |
| 19                                                                            | Uttar Pradesh                                                                 | 147532.13                                                                     | 103547.43                                                                     | 70.19                                                                         |
| 20                                                                            | West Bengal                                                                   | 286368.50                                                                     | 239256.88                                                                     | 83.55                                                                         |
|                                                                               | National Total                                                                | 17591241.33                                                                   | 12443205.18                                                                   | 70.74                                                                         |

Source: ENSURE Portal

(Data available in r/o 283 out of 370 DCCBs as on 30.06.2017)

## Annexure-II

Continue…..

## Agri Credit Flow for Scheduled Commercial Banks (SCBs)

(accounts in actual number and amount in Rs. crore)

| 2014-15                            | 2014-15                            | 2015-16                            | 2015-16                            | 2016-17                            | 2016-17                            | 2017-18 (as on 30/09/2017)         | 2017-18 (as on 30/09/2017)         |
|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|
| outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year | outstanding at the end of the year |
| No. of A/cs                        | Balance outstanding                | No of accounts                     | Balance outstanding                | No. of A/cs                        | Balance outstanding                | No. of A/cs                        | Balance outstanding                |
| 61532801                           | 970574.77                          | 69258672                           | 1173098.16                         | 69003490                           | 1262734.35                         | 71958934                           | 1257719.34                         |

(Source - Statement on Priority Sector Lending received from all Scheduled Commercial Banks)

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