Lok Sabha Question No. 105 (STARRED), answered on 2018-02-09
Subject: Educational Loans
Ministry: FINANCE
Asked by: HARI BABU KAMBHAMPATI

## DEPARTMENT OF FINANCIAL SERVICES

## GOVERNMENT OF INDIA MINISTRY OF FINANCE LOK SABHA

## TO BE ANSWERED ON THE 09 th  FEBRUARY, 2018, MAGHA 20, 1939 (SAKA)

*105.

## DR.KAMBHAMPATI HARIBABU:

Will the Minister of Finance be pleased to state:

- (a) the details of educational loans disbursed in all the backward districts during the last three years, district-wise;
- (b) whether  the  Government  has  devised  any  mechanism  to  propagate  awareness about  loans  for  higher  education  in  rural  and  tribal  areas  and  if  so,  the  details thereof;
- (c) whether  the  promotion  of  awareness  component  is  included  in  the  broader scheme of educational loan and if so, the details thereof; and
- (d) if  not,  the  steps  taken/being  taken  by  the  Government  to  make  awareness component mandatory under the scheme?

## ANSWER

## (FINANCE MINISTER)

(SHRI ARUN JAITLEY)

(a) to (d): A Statement is laid on the Table of the House.

## STARRED QUESTION NO. *105 EDUCATIONAL LOANS

## STATEMENT  REFERRED  TO  IN  REPLY  TO  PARTS  (a)  TO  (d)  OF  LOK  SABHA STARRED QUESTION NO. *105 TO BE ANSWER ON 9 TH  FEBRUAY, 2018 TABLED BY DR.KAMBHAMPATI HARIBABU REGARDING EDUCATIONAL LOANS

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(a) The details of educational loans disbursed during the last three years, district-wise in 115 backward districts identified by NITI Aayog is placed at Annexure.

(b)  to  (d)  The  Government  has  taken  number of  steps  to  propagate  awareness  about loans for higher education in the country. These include awareness campaign by State Level  Bankers  Committee  (SLBC)  with  the  help  of  participating  banks  of  that  area, display  of  banners  for  education  loans  at  bank  branches,  display  of  posters  at  ATMs, organization of seminar about education loan facilities in educational institutions, active coordination with educational institutions by the branches during the admission seasons, advertisement  through  print  media  in  English,  Hindi  and  Local  Language.  Further,  in order to simplify the process  of applying for education loans for the students, Government  has  launched  the  Vidya  Lakshmi  Portal  (VLP)  which  facilitates the applicants  to  apply,  view  and  track  the  education  loan  applications.  Banks  have  also been  advised  to  provide  link  of  VLP  on  their  official  websites,  which  also  works  as awareness material.

******

## Annexure referred to in Statement of reply to part (a) of Lok Sabha Starred Question *105 for answer on 09th February, 2018

## Details of educational loans disbursed in last three years in 115 back ward districts, district-wise

| State_name                               | District_name              | Year 2014-15   | Year 2014-15         | Year 2015-16   | Year 2015-16         | Year 2016-17   | Year 2016-17         |
|------------------------------------------|----------------------------|----------------|----------------------|----------------|----------------------|----------------|----------------------|
| State_name                               | District_name              | Account        | Amount (Rs in Crore) | Account        | Amount (Rs in Crore) | Account        | Amount (Rs in Crore) |
| Andhra Pradesh Andhra Pradesh            | Visakhapatnam Vizianagaram | 1735           | 69.81                | 3878           | 141.99               | 3014           | 203.01               |
| Andhra Pradesh                           | Y.S.R.                     | 1089 899       | 17.16 29.97          | 738 1272       | 16.23 97.99          | 744 1211       | 17.98 34.91          |
| Arunachal Pradesh                        | Lohit                      | 5              | 0.5                  | 2              | 0.07                 | 3              | 0.13                 |
| Assam                                    | Baksa                      | 3              | 0.11                 | 5              | 0.15                 | 5              | 0.19                 |
| Assam                                    | Barpeta                    | 34             | 1.24                 | 24             | 0.8                  | 21             | 0.96                 |
| Assam                                    | Darrang                    | 12             | 0.41                 | 16             | 0.53                 | 5              | 0.17                 |
| Assam                                    | Dhubri                     | 18             | 0.64                 | 1              | 0.75                 | 18             | 0.89                 |
| Assam                                    | Goalpara                   | 7              | 0.28                 | 7              | 0.29                 | 9              | 0.41                 |
| Assam                                    | Hailakandi                 | 4              | 0.13                 | 9              | 0.33                 | 9              | 0.26                 |
| Assam                                    | Udalguri                   | 4              | 0.16                 | 19             | 0.58                 | 9              | 0.23                 |
| Bihar                                    | Araria                     | 198            | 4.92                 | 159            | 5.45                 | 345            | 23.62                |
| Bihar                                    | Aurangabad                 | 698            | 25.69                | 528            | 20.16                | 481            | 14.24                |
| Bihar                                    | Banka                      | 134            | 2.52                 | 103            | 2.4                  | 75             | 2.96                 |
| Bihar                                    | Begusarai                  | 527            | 6.86                 | 315            | 10.31                | 367            | 8.52                 |
| Bihar                                    | Gaya                       | 639            | 25                   | 1622           | 36                   | 1358           | 30                   |
| Bihar                                    | Jamui                      | 94             | 1.96                 | 68             | 2.45                 | 244            | 7.92                 |
| Bihar                                    | Katihar                    | 883            | 18.55                | 1001           | 29.02                | 1687           | 36.46                |
| Bihar                                    | Khagaria                   | 164            | 6.66                 | 122            | 3.61                 | 118            | 3.03                 |
| Bihar                                    | Muzaffarpur                | 1487           | 70.2                 | 928            | 59.36                | 655            | 30.93                |
| Bihar                                    | Nawada                     | 186            | 6.02                 | 221            | 7.23                 | 125            | 428                  |
| Bihar                                    | Purnia                     | 247            | 3.33                 | 453            | 6.12                 | 849            | 46.59                |
| Bihar                                    | Sheikhpura                 | 31             | 0.52                 | 26             | 0.49                 | 44             | 1.1                  |
| Bihar                                    | Sitamarhi                  | 252            | 6.32                 | 287            | 7.85                 |                | 10.01                |
| Chhattisgarh                             |                            | 96             | 2.1                  | 130            |                      | 394            | 2.33                 |
| Chhattisgarh                             | Bastar Bijapur             | 10             | 0.12                 | 15             | 2.08 0.25            | 162 18         | 0.31                 |
| Chhattisgarh                             | Dakshin Bastar Dantewada   | 19             | 0.23                 | 23             | 0.31                 | 15             | 0.21                 |
| Chhattisgarh                             | Kondagaon                  | 7              | 0.04                 | 18             | 0.23                 | 22             | 0.37                 |
| Chhattisgarh                             | Korba                      | 138            | 3.15                 | 181            | 3.27                 | 235            | 5.01                 |
| Chhattisgarh                             | Mahasamund                 | 21             | 0.15                 | 15             | 0.11                 | 7              | 0.1                  |
| Chhattisgarh                             | Rajnandgaon                | 82             | 0.97                 | 3 117          | 1.35                 | 175            | 2.91                 |
| Chhattisgarh                             | Narayanpur                 | 2              | 0.01                 |                | 0.03                 | 3              | 0.03                 |
| Chhattisgarh                             | Sukma                      | 11             | 0.16                 | 8              | 0.12                 | 1              | 0.01                 |
| Chhattisgarh                             | Uttar Bastar Kanker        | 58             | 0.76                 | 81             | 1.1                  | 119            | 1.85                 |
| Gujarat                                  | Morbi                      | 130            | 3.17                 | 63             | 2.49                 | 285            | 9.09                 |
| Gujarat                                  | Narmada                    | 80             | 3.12                 | 55             | 1.46                 | 70             | 2.35                 |
| Haryana Himachal Pradesh Jammu & Kashmir | Mewat Chamba               | 16 104         | 1.2 1.76             | 32 125         | 1.18 3.49            | 32 135         | 1 4.54               |
| Kashmir                                  | Kupwara                    | 96             | 2.13                 |                |                      | 233            | 2.66                 |
|                                          | Baramula                   | 204            | 4.37                 | 471            | 7.59                 | 493            | 7.57                 |
| Jammu &                                  |                            |                |                      | 208            | 2.61                 |                |                      |
| Jharkhand                                | Bokaro                     | 1458           | 34.36                | 1556           | 28.23                | 1052           | 36.69                |
| Jharkhand Jharkhand                      | Chatra                     | 190            | 3.29 6.06            | 150 154        | 3.27 4.66            | 99 200         | 2.66 4.98            |
| Jharkhand                                | Dumka                      | 525 186        |                      |                | 7.32                 | 508            | 12.97                |
| Jharkhand                                | Garhwa                     | 586            | 4.81                 | 130            | 3.39                 | 143            | 5.08                 |
| Jharkhand                                | Giridih                    | 161            | 9.66                 | 546            | 3.34                 | 158            | 4.01                 |
| Jharkhand                                | Godda Gumla                | 255            | 4.25                 | 136            | 3.19                 | 112            | 2.29                 |
| Jharkhand                                |                            | 659            | 4.56                 | 222            |                      |                |                      |
|                                          | Hazaribagh                 |                | 16.64                | 596            | 11.35                | 597            | 19.29                |
| Jharkhand                                | Khunti                     | 178            | 3.69                 | 164            | 3.65                 | 60             | 1.81                 |
|                                          | Latehar                    | 172            | 3.1                  | 151            | 3.12                 |                | 4.49                 |
| Jharkhand Jharkhand                      | Lohardaga                  | 196            | 5.14                 | 189            | 2.82                 | 137 99         | 2.67 2.81            |
| Jharkhand Jharkhand                      | Pakur Palamu               | 91 288         | 2.17 7.21            | 124 242        | 3.19 3.63            | 114 182        | 5.98                 |
|                                          | Pashchimi                  | 813            | 20.63                | 336            | 8.15                 |                | 7.92                 |
| Jharkhand Jharkhand                      | Singhbhum Purbi            | 2132           | 87.05                | 2031           | 103.81               | 284 2165       | 120.96               |

|                         | Singhbhum         |        |           |        |            |         |             |
|-------------------------|-------------------|--------|-----------|--------|------------|---------|-------------|
| Jharkhand               | Ramgarh           | 623    | 24.8      | 393    | 6.53       | 431     | 12.04       |
| Jharkhand               | Ranchi            | 3963   | 118.77    | 3040   | 76.42      | 2629    | 118.07      |
| Jharkhand               | Sahibganj         | 141    | 3.25      | 99     | 2.69       | 126     | 4.45        |
| Jharkhand               | Simdega           | 127    | 2.67      | 108    | 2.19       | 81      | 2.97        |
| Karnataka               | Gadag             | 708    | 5.9       | 982    | 7.55       | 1058    | 8.65        |
| Karnataka               | Gulbarga          | 812    | 6         | 988    | 8          | 1200    | 10.3        |
| Kerala                  | Wayanad           | 3207   | 180       | 2811   | 111        | 2964    | 138         |
| Madhya Pradesh          | Barwani           | 51     | 1.16      | 53     | 1.21       | 61      | 1.17        |
| Madhya Pradesh          | Chhatarpur        | 54     | 1.23      | 56     | 1.26       | 63      | 1.36        |
| Madhya Pradesh          | Damoh             | 33     | 0.67      | 32     | 0.69       | 35      | 0.72        |
| Madhya Pradesh          | East Nimar        | 105    | 2.45      | 108    | 2.47       | 113     | 2.52        |
| Madhya Pradesh          | Guna              | 65     | 1.35      | 61     | 1.37       | 73      | 1.41        |
| Madhya Pradesh          | Rajgarh           | 84     | 1.81      | 81     | 1.83       | 93      | 1.81        |
| Madhya Pradesh          | Singrauli         | 51     | 1.12      | 53     | 1.19       | 59      | 1.21        |
| Madhya Pradesh          | Vidisha           | 85     | 1.95      | 91     | 2.04       | 102     | 2.06        |
| Maharashtra             | Gadchiroli        | 7      | 6.32      |        | 18.62      |         |             |
| Maharashtra             | Jalgaon           | 63     |           | 12     | 156.09     | 10      | 26.73       |
|                         |                   |        | 93.54     | 90     |            | 82      | 224.44      |
| Maharashtra             | Nanded            | 23     | 75.54     | 6      | 14.18      | 13      | 28.11       |
| Maharashtra Manipur     | Nandurbar Chandel | 3      | 25.33     | 4      | 16.18      | 1       | 4.21        |
| Meghalaya               | Ribhoi            | 8      | 0.24      | 10     | 0.32       | 11      | 0.32 1.2    |
| Mizoram                 | Mamit             | 14 1   | 0.47 0.06 | 50 0   | 1.93 0     | 39 0    | 0           |
| Nagaland                | Kiphire           | NIL    | NIL       | NIL    | NIL        | NIL     | NIL         |
| Odisha                  | Balangir          |        |           | 384    | 5.46       | 384     | 6.19        |
| Odisha                  | Dhenkanal         | 430    | 5.02 3.99 | 276    | 3.27       |         | 2.86        |
| Odisha                  | Gajapati          | 304 85 | 1.59      | 73     | 1.28       | 206 108 | 1.87        |
| Odisha                  | Kalahandi         | 737    | 5.82      | 808    | 6.4        | 934     | 7.66        |
| Odisha                  | Kandhamal         | 108    | 1.36      | 77     | 1.68       | 63      | 1.48        |
| Odisha                  | Koraput           | 367    | 6.54      | 320    | 7.77       | 227     | 9.06        |
| Odisha                  | Malkangiri        | 45     | 0.89      | 36     | 0.59       | 25      | 0.41        |
| Odisha                  | Rayagada          | 200    | 4.16      | 163    | 5.34       | 140     | 5.93        |
| Punjab                  | Firozpur          | 188    | 8.25      | 259    | 16.88      | 213     | 11.24       |
| Punjab                  | Moga              | 536    | 137.49    | 1204   | 159.25     | 1719    | 243.62      |
| Rajasthan               | Barmer            | 137    | 0.99      | 126    | 0.85       | 93      | 2.80        |
| Rajasthan               | Dhaulpur          | 45     | 0.45      | 26     | 0.27       | 264     | 7.71        |
| Rajasthan               | Jaisalmer         | 48     | 0.42      | 36     | 0.29       | 19      | 0.64        |
| Rajasthan               | Karauli           | 155    | 1.02      | 101    | 0.50       | 348     | 10.93       |
| Rajasthan               | Sirohi            | 104    | 0.93      |        | 0.75       | 145     | 2.52        |
| Sikkim                  | East District     | 367    | 1.87      | 102 84 | 1.59       | 34      | 2.33        |
| Tamil nadu              | Ramanathapur am   | 14118  | 56.97     | 7999   | 56.69      | 13377   | 205.34      |
| Tamil nadu              | Virudhunagar      | 15492  | 185.21    | 8351   | 103.28     | 7695    | 95.1        |
| Telangana               | Adilabad          | 644    | 14.73     | 581    | 20.99      | 594     | 12.92       |
| Telangana               | Khammam           | 844    | 38.84     | 2429   | 142.93     | 912     | 37.87       |
| Telangana               | Warangal          | 1350   | 43.00     | 2135   | 65.14      | 1685    | 45.10       |
| Tripura                 | Dhalai            | 31     | 0.66      | 34     | 0.47       | 22      | 0.48        |
| Uttar Pradesh           | Bahraich          | 121    | 4.41      | 128    | 6.85       | 84      | 14.92       |
| Uttar Pradesh           | Balrampur         | 89     | 1.47      | 136    | 2.09       | 229     | 14.91       |
| Uttar Pradesh           | Chandauli         | 37     | 1.22      | 28     | 0.95       | 25      | 0.8         |
| Uttar Pradesh           | Chitrakoot        | 55     | 2.3       | 61     | 2.1        | 81      | 2.91        |
| Uttar Pradesh           | Fatehpur          | 140    | 5.57      | 126    | 4.72       | 154     |             |
| Uttar Pradesh           | Shrawasti         | 6      | 0.26      | 5      | 0.16       | 13      | 5.99        |
| Uttar Pradesh           | Siddharthnagar    | 83     | 1.75      | 92     | 1.91       | 101     | 0.37 2.16   |
| Uttar Pradesh           | Sonbhadra         | 37     | 1.35      | 48     | 1.75 24.42 | 61      | 2.19        |
| Uttarakhand             | Hardwar           | 528    |           | 532    |            | 487     | 20.48       |
|                         | Udham Singh       |        | 17.34     |        |            |         |             |
| Uttarakhand             | Nagar             | 733    | 30.35     | 741    | 43.9       | 1188    | 64.67 12.41 |
| West bengal             | Birbhum Dakshin   | 418    | 10.68     | 561    | 25.4       | 776     |             |
|                         |                   | 171    | 4.36      | 229    | 10.37      | 317     | 5.07        |
| West bengal West bengal | Dinajpur Maldah   | 344    | 8.79      | 462    | 20.92      | 639     | 10.22 17.61 |
| West bengal West bengal | Murshidabad       | 593    | 15.15     | 795    | 36.04      | 1102    |             |
| Source : SLBC           | Nadia             | 538    | 13.74     | 722    | 32.7       | 1008    | 15.98       |