Lok Sabha Question No. 1053 (UNSTARRED), answered on 2017-07-21
Subject: Loans Disbursed by RRBs
Ministry: FINANCE
Asked by: JAGDAMBIKA PAL

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

## LOK SABHA UNSTARRED QUESTION NO. †1053

To be answered on the July 21, 2017/ Ashadha 30, 1939 (SAKA)

## Loans Disbursed by RRBs

†1053: SHRI JAGDAMBIKA PAL:

Will the Minister of FINANCE be pleased to state:

- (a)   the loan disbursed by Regional Rural Banks (RRBs) in various States during each of the last three years and the current year, State/UT-wise;
- (b)   whether any complaints have been received by the Government that the RRBs are not providing adequate benefits to the farmers;
- (c)   if so, the details thereof; and
- (d)   the remedial measures taken by the Government to provide sufficient benefits/loan to the farmers?

## Answer Minister of State in the Ministry of Finance

## (SANTOSH KUMAR GANGWAR)

- (a)  The details of State-wise agriculture loans disbursed by Regional Rural Banks during the last three years is at Annexure-I .

(b) & (c)  Government receives complaints including complaints related to agriculture loans through  various  modes  of  communication  and  from  various  sources.    On  receipt  of  the complaints,  the  matter  is  taken  up  at  appropriate  level  with  the  banks  concerned  for corrective action.  Separate data on specific nature of complaints is not maintained.

(d)  In order to provide hassle-free institutional credit to farmers in the country, the following major schemes/steps have, inter alia, been undertaken:-

- i. The  Government  provides  interest  subvention  to  make  short-term  crop  loans  upto Rs.3  lakh  available  to  farmers  at  the  interest  rate  of  7%  per  annum  and  in  case  of prompt repayment, the same gets reduced to 4%.
- ii. In order to discourage distress sale of produce by small and marginal farmers, postharvest loans against Negotiable Warehouse Receipts (NWRs) provided by banks to Small Farmers/Marginal Farmers having Kisan Credit Card (KCC), are also available at  the interest rate of 7%  per annum for a period of upto six months.
- iii. The Government has introduced the Kisan Credit Card (KCC) Scheme, which enables farmers to purchase agricultural inputs such as seeds, fertilizers, 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.
- iv. To bring small, marginal, tenant farmers, oral lessees, etc. into the fold of institutional credit, Joint Liability Groups (JLGs) have been promoted by banks.
- v. Banks  have  been  advised  by  Reserve  Bank  of  India(RBI)  to  waive  margin/security requirements  of  agricultural  loans  upto  Rs.1,00,000/-.  The  requirement  of  'no  due' certificate has been dispensed with from the individual borrowers (including SHGs & JLGs) in rural and semi-urban areas for all types of agricultural loans including loans under Government Sponsored Schemes, irrespective of the loan amount unless the Government sponsored scheme itself provides for the same.

\_\_\_\_\_\_\_\_\_

## Annexure-I to Lok Sabha Unstarred Question No. 1053 for 21.07.2017

## Agriculture Credit Disbursement Data pertaining to RRBs for last 3 years

(Rs. Lakh)

| S.No. State/UT             | 2014-15       | 2015-16 (Provisional)   | 2016-17 (Provisional)   |
|----------------------------|---------------|-------------------------|-------------------------|
| 1 DELHI                    | -             | -                       | -                       |
| 2HARYANA                   | 406,665.00    | 511,105.00              | 553,539.00              |
| 3HIMACHAL PRADESH          | 39,872.00     | 49,189.00               | 52,264.13               |
| 4JAMMU &KASHMIR            | 24,192.00     | 23,419.00               | 33,668.45               |
| 5PUNJAB                    | 577,140.00    | 688,123.83              | 596,704.22              |
| 6RAJASTHAN                 | 931,791.00    | 1,097,483.78            | 1,286,901.87            |
| 7CHANDIGARH UT             | -             | -                       | -                       |
| Northern Region Total      | 1,979,660.00  | 2,369,320.61            | 2,523,077.67            |
| 8ARUNACHAL PRADESH         | 470.00        | 415.35                  | 340.12                  |
| 9ASSAM                     | 47,643.00     | 30,403.97               | 42,090.78               |
| 10MANIPUR                  | 874.00        | 1,232.75                | 1,565.24                |
| 11MEGHALAYA                | 4,795.00      | 3,698.69                | 4,262.53                |
| 12MIZORAM                  | 1,965.00      | 3,743.31                | 5,937.95                |
| 13NAGALAND                 | 33.00         | 64.50                   | 36.79                   |
| 14 SIKKIM                  | -             | -                       | -                       |
| 15 TRIPURA                 | 31,488.00     | 27,403.21               | 41,933.86               |
| North Eastern Region Total | 87,268.00     | 66,961.78               | 96,167.27               |
| 16A &NISLAND               | -             | -                       | -                       |
| 17 BIHAR                   | 1,338,295.00  | 1,513,537.00            | 1,425,624.01            |
| 18JHARKHAND                | 41,282.00     | 47,470.05               | 148,100.83              |
| 19ODISHA                   | 139,827.00    | 149,894.55              | 139,427.92              |
| 20WEST BENGAL              | 699,308.00    | 381,050.93              | 158,679.51              |
| Eastern Region Total       | 2,218,712.00  | 2,091,952.53            | 1,871,832.27            |
| 21CHHATTISGARH             | 49,261.00     | 51,919.85               | 47,664.82               |
| 22MADHYA PRADESH           | 514,713.00    | 528,847.95              | 533,063.72              |
| 23UTTARAKHAND              | 28,654.00     | 28,552.47               | 23,888.90               |
| 24UTTAR PRADESH            | 1,844,239.00  | 2,255,521.39            | 2,191,522.16            |
| Central Region Total       | 2,436,867.00  | 2,864,841.66            | 2,796,139.60            |
| 25GOA                      | -             | -                       | -                       |
| 26GUJARAT                  | 246,461.00    | 309,427.10              | 359,116.57              |
| 27MAHARASHTRA              | 180,140.00    | 197,105.81              | 211,328.70              |
| 28D &NHAVELI UT            | -             | -                       | -                       |
| 29DAMAN &DIU UT            | -             | -                       | -                       |
| Western Region Total       | 426,601.00    | 506,532.91              | 570,445.27              |
| 30ANDHRA PRADESH           | 477,133.00    | 1,041,090.01            | 1,235,892.08            |
| 31TELANGANA                | 471,018.00    | 592,843.58              | 669,255.42              |
| 32KARNATAKA                | 838,571.00    | 906,265.00              | 876,441.17              |
| 33 KERALA                  | 655,065.00    | 780,530.00              | 916,174.00              |
| 34PUDUCHERRY               | 32,561.00     | 40,291.26               | 42,977.56               |
| 35TAMILNADU                | 624,835.00    | 665,458.12              | 723,216.98              |
| 36LAKSHADWEEP UT           | -             | -                       | - 4,463,957.21          |
| Southern Region Total      | 3,099,183.00  | 4,026,477.97            | 12,321,619.29           |
| GRAND TOTAL                | 10,248,291.00 | 11,926,087.46           |                         |

Source: NABARD