opensansad/lok-sabha-qa huggingface dataset:
Lok Sabha Question No. 4307 (UNSTARRED), answered on 2017-08-11
Subject: Bank Resources for Unorganised Sector
Ministry: FINANCE
Asked by: RATTAN LAL KATARIA

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO.4307

TO BE ANSWERED ON THE 11 TH  August 2017/ Shravana 20, 1939 (SAKA)

## Bank Resources for Unorganised Sector

## 4307.   SHRI  RATTAN  LAL  KATARIA:

Will the Minister of FINANCE be pleased to state:

- (a) whether  the  Government  has  asked/issued  guidelines  to  the  banks  and  other  lending institutions to make their higher resources available to the unorganised sector;
- (b) if so, the details thereof;
- (c) whether this would be the game changer for financial inclusion;
- (d) if so, the details thereof; and
- (e) the steps taken by the Government in this regard?

## ANSWER

The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

(a) to  (e):    Guidelines  on  the  matter of  lending  to  unorganised  sector  exist, through  which additional resources and basic banking services are provided to the underprivileged sector of the economy vide schemes such as Pradhan Mantri Mudra Yojana, Stand up India, Pradhan Mantri Jan Dhan Yojana, Atal Pension Yojana.

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Lok Sabha Question No. 4306 (UNSTARRED), answered on 2017-08-11
Subject: Uniform for Soldiers
Ministry: DEFENCE
Asked by: ARVIND GANPAT SAWANT, REKHA ARUN VERMA, MAUSAM NOOR

## GOVERNMENT OF INDIA MINISTRY OF DEFENCE DEPARTMENT OF DEFENCE

## LOK  SABHA

## UNSTARRED QUESTION NO.4306

TO BE ANSWERED ON THE 11 TH  AUGUST, 2017

## UNIFORM FOR SOLDIERS

4306.  SHRI  ARVIND SAWANT: SHRIMATI REKHA VERMA: SHRIMATI MAUSAM NOOR:

Will the Minister of DEFENCE j{kk ea=h be pleased to state:

- (a) whether the  Government has  carried out  any study  to  identify  needs  for  special uniforms for safety of soldiers deployed on borders / field areas in the country and if so, the details thereof;
- (b) whether the Government has decided to procure bullet proof jackets and protective gears / garments for soldiers in a time bound manner;
- (c) if  so,  the  details  thereof  and  the  time  by  which  the  procurement  is  likely  to  be made; and
- (d) whether  the  Government  proposes  to  frame  any  policy  for  periodic  review  and necessary upgradation in the uniforms of the soldiers and if so, the details thereof?

## A    N    S    W    E    R

MINISTER OF STATE IN THE MINISTRY OF DEFENCE

र  ा रा य मं ी

(DR. SUBHASH BHAMRE)

(डा. सुभाष भामरे)

- (a) Requirement for special uniforms for safety of soldiers deployed on borders / field areas in the country is assessed regularly and provision for introduction of new items / improved version of existing items is made as per prescribed procedure.
- (b) & (c): The Government undertakes procurement of Bullet Proof Jackets  (BPJs)  and  other  necessary  protective  gears  /  garments  for soldiers  from  time  to  time  as  per  authorization.    During  2016-17,  50,000 BPJs  have  been  procured  for Indian Army  through  Revenue  route. Procurement  of  1,86,138  BPJs  through  Capital  route,  under  Buy  (Indian) category, is at Ballistic Evaluation Stage. Further, a contract for procurement  of  1,58,279  Ballistic  Helmet  through  Capital  route  has  been concluded in December 2016.
- (d) Upgradation and provision of improved version of special uniforms is a continuous process for which necessary steps are taken regularly.

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Lok Sabha Question No. 4304 (UNSTARRED), answered on 2017-08-11
Subject: AYUSH under Universal Health Insurance Scheme
Ministry: HEALTH AND FAMILY WELFARE
Asked by: MALLIKARJUN  KHARGE

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

LOK SABHA UNSTARRED QUESTION NO. 4304 TO BE ANSWERED ON   11 TH AUGUST, 2017

## AYUSH UNDER UNIVERSA L HEALTH INSURANCE SCHEME

## 4304. SHRI MALLIKARJUN KHARGE:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a)  whether  the  Government  proposes to  include  AYUSH  under  Universal  Health Insurance Scheme and if so, the details thereof; and
- (b)  whether  the  Government  is planning  to  promote collaborative  research and  education  in AYUSH with WHO, if so,the details thereof?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE

## (SHRI FAGGAN SINGH KULASTE)

- (a): At present ,the government is implementing two centrally sponsored Health Insurance Schemes  namely  Rashtriya  Swasthya  Bima  Yojana  (RSBY)  and  Senior  Citizens  Health Insurance Scheme to provide health insurance coverage to Below Poverty Line (BPL) famil and  workersof  11  other  defined  categories  of  Unorganized  Sectors.  Senior  Citizens  Hea Insurance Scheme (SCHIS) is a top up over the existing RSBY scheme. AYUSH Treatment/Medicines are not included under these packages.
- (b): Ministry of AYUSH has signed Project C ollaboration Agreement with the World Health Organization  (WHO)  on  13.05.2016.  Under  the  agreement,  India  would  assign  to  WHO activities for development of the following WHO Technical documents/publications:
- Benchmarks for training in Yoga
- Benchmarks for p ractice in Ayurveda
- Benchmarks for practice in Unani Medicine
- Benchmarks for practice in Panchkarma

The  development  of  the  WHO  Technical  documents/publications  will  help  in  bette international acceptability of Indian Systems of Medicines.
Lok Sabha Question No. 4303 (UNSTARRED), answered on 2017-08-11
Subject: Privatisation of Ordnance Factories
Ministry: DEFENCE
Asked by: ANBUMANI RAMADOSS

## GOVERNMENT OF INDIA MINISTRY OF DEFENCE

## DEPARTMENT OF DEFENCE PRODUCTION

## LOK  SABHA UNSTARRED QUESTION NO.4303

TO BE ANSWERED ON THE 11 TH  AUGUST, 2017

## PRIVATISATION OF ORDNANCE FACTORIES

4303.  DR. ANBUMANI RAMADOSS:

Will the Minister of DEFENCE j{kk ea=h be pleased to state:

- (a) whether  the Government  proposes  to privatise small arms  factories  under Ordnance Factory Board and outsource certain products;
- (b) if so, the details thereof and the rationale behind such decision;
- (c) whether the Government proposes to privatise ordnance factory at Tiruchirappalli; and
- (d) if so, the details thereof?

## A    N    S    W    E    R

MINISTER OF STATE IN THE MINISTRY OF DEFENCE

र  ा रा य मं ी

(DR. SUBHASH BHAMRE)

(डा. सुभाष भामरे)

(a) to (d): At present, there is no  proposal  to  privatise  small  arms factories  under  Ordnance  Factory  Board  including  ordnance  factory  at Tiruchirappalli.    The  Department  in  consultation  with  stakeholders  has categories  143  items  of  the  Ordnance  Factory  Board  as  non-core  items which are to be sourced from vendors.

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Lok Sabha Question No. 4302 (UNSTARRED), answered on 2017-08-11
Subject: Recommendations of Narasimham Committee
Ministry: FINANCE
Asked by: BALKA SUMAN

(a) to (c):  No, Sir.

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO.4302

TO BE ANSWERED ON THE 11 TH  August 2017/ Shravana 20, 1939 (SAKA)

## Recommendations of Narasimham Committee

## 4302.   SHRI  SUMAN  BALKA:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government proposes to reconsider/revisit the Narasimham Committee's recommendation for a three tier banking system as part of the Indradhanush programme;
- (b) if so, the details thereof; and
- (c) the steps taken by the Government in this regard?

## ANSWER

The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

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Lok Sabha Question No. 4301 (UNSTARRED), answered on 2017-08-11
Subject: Childhood Obesity
Ministry: HEALTH AND FAMILY WELFARE
Asked by: NALIN KUMAR KATEEL

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

## LOK SABHA UNSTARRED QUESTION NO. 4301 TO BE ANSWERED ON   11 TH AUGUST, 2017

## CHILDHOOD OBESITY

## 4301. SHRI NALIN KUMAR KATEEL:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) whether the junk foods and processed foods have increased the burden of childhood obesity, heart disease and diabetes in the country, if so, the details thereof;
- (b)  whether  these  chronic  diseases have become  very  common  in  the  country and  if  so,  the details thereof; and
- (c)  whether  the  Government  is  taking ny  measure  to  conduct  any  studies  to  give proper guidance to people to consume healthy food, if so, the details thereof?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SMT. ANUPRIYA PATEL )

(a) to (c): Junk Food is a term used for food containing high levels of calories from sug fat with little fiber, protein, vitamins or minerals. These foods lead to a rapid increase in blood sugar levels (high glycemic index) which forces the body to produce high levels of ins counter the rising blood sugar.

As reported by Indian Council of Medical Research (ICMR), development of obesity i multi - factorial and eating of junk and processed food is one of them. Childhood obesity is factor of developing heart diseases and diabetes in later life.

The  res ults  available  from  15  States/UTs  of  an  ongoing  ICMR  India  Diabetes (ICMR -INDIAB) Study on the prevalence of diabetes indicate overall prevalence of Diabe varying from 4% to 13%.

According to the Report of National Commission on Macroeconomics and Health, there were 641 lakh cases of Cardiovascular Diseases (CVDs) in India in the year 2015.

Ministry  of  Women  and  Child  Development  had  constituted  a  Working  Group  on addressing con sumption of foods High in Fat, Salt and Sugar (HFSS) and promotion of heal hy snacks in schools of India, which has given its report.

The Food Safety and Standards Authority of India (FSSAI) constituted an Expert Gro on Salt, Sugar and Fat. The Expert G roup prepared a draft report on consumption of these items and its health impacts among Indian population and recommendations on healthy dietary in of these items. While preparing the above report, Expert Group has considered WHO guideli on 'Sugar I ntake for Adults and Children regarding the adverse impact of high sugar in foods

ICMR, National Institute of Nutrition (NIN) and other institutions carry out resear studies related to food and healthy diet. Apart from this, the consumers are made aware of food safety  through  consumer  awareness  programmes  launched  jointly  by  the  Department  of Consumer Affairs and the Food Safety and Standards Authority of India (FSSAI) which al includes  advertisements  in  different  media,  campaigns,  educational  bo oklets,  information  on FSSAI website and Mass awareness campaigns.
Lok Sabha Question No. 4299 (UNSTARRED), answered on 2017-08-11
Subject: Products Developed by DRDO
Ministry: DEFENCE
Asked by: Tejpratap Singh,Yadav

## GOVERNMENT OF INDIA MINISTRY OF DEFENCE DEFENCE RESEARCH & DEVELOPMENT ORGANISATION

## LOK  SABHA UNSTARRED QUESTION NO.4299

TO BE ANSWERED ON THE 11 TH  AUGUST, 2017

## PRODUCTS DEVELOPED BY DRDO

4299.  SHRI  TEJ PRATAP SINGH YADAV:

Will the Minister of DEFENCE j{kk ea=h be pleased to state:

- (a) whether the Government has collaborated with various organisations for commercialisation and marketing of technologies and products developed by Defence Research Development Organisation (DRDO);
- (b) if  so,  the  details  thereof  including  number  of  technology  commercialised  and  profit earned;
- (c) whether the Government has implemented any scheme to encourage research projects to provide commercial benefits to scientists;
- (d) if so, the details thereof; and
- (e) whether  the  Government  is  planning  to  have  international  collaboration  in  technology transfer and if so, the steps being taken by the Government in this regard?

## A    N    S    W    E    R

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MINISTER OF DEFENCE                                                  (SHRI ARUN JAITLEY)

j{kk ea=h

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- (a) & (b): Yes,  Madam.  Defence  Research  and    Development  Organisation (DRDO)  had  earlier  entered  into  Memorandum  of  Understanding  (MoU)  with Federation  of  Indian  Chambers  of  Commerce  and  Industry  (FICCI)  and  has presently MoUs as mentioned below are in force for commercialization of DRDO developed technologies under Category 'B' (Spin off/dual use of technologies) on non-exclusive basis.
- (i)     PHD Chambers of Commerce & Industry (PHDCCI), New Delhi.
- (ii)    Confederation of Indian Industry (CII), New Delhi.
- (iii)   National Research Development Corporation (NRDC), New Delhi.
- (iv) Associated Chambers of Commerce and Industry of India (ASSOCHAM), New Delhi.

Total Nos. of 96 Licensing Agreement for Transfer of Technology (LAToT) have been signed for worth Rs 22.36 Cr as ToT Fees.

- (c) & (d): No such policy has been implemented, till date.
- (e) Transfer  of  Technology  (ToT)  for  DRDO  developed  products  to  other countries  can  be  done  only  after  meeting  the  requirements  of  Indian  Armed Forces  and  export  policy  of  the  country.  ToT  of  Explosive  Detection  Kit Technology developed by DRDO has been done with M/s Crowe & Co., USA and has been evaluated by US Armed Forces.

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Lok Sabha Question No. 4298 (UNSTARRED), answered on 2017-08-11
Subject: Reuse of Disposable Items in Private Hospitals
Ministry: HEALTH AND FAMILY WELFARE
Asked by: RITI PATHAK, R. PARTHIPAN, J. JAYASINGH THIYAGARAJ NATTERJEE

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

LOK SABHA UNSTARRED QUESTION NO. 4298 TO BE ANSWERED ON   11 TH AUGUST, 2017

## REUSE OF DISPOSABLE ITEMS IN PRIVATE HOSPITALS

## 4298. SHRIMATI RITI PATHAK: SHRI R. PARTHIPAN: SHRI J.J.T. NATTERJEE:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) whether a number of complaints have been received/cases came into light about reuse of disposable  items/material by  several  private hospitals  of  the  country particularly  in  cardiac treatment department and other intensive care units;

(b) if so, the details thereof along with the number of complaints received during the last two years, State - wise and hospitalwise; and

(c)  the corrective  measures  taken  by the  Government  for  the  safety  of  health  of pa ients  for taking action against such hospitals?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SMT. ANUPRIYA PATEL )

(a) & (b): Health  is  a  State subject  and  such  complaints  would  generally  be addressed to the State/Union Territory concerned. Data regarding the complaints receiv States is not maintained centrally.

- (c): The  Government  of  India  has  enacted  the  Clinical  Establishments  (Registrati on  and Regulation) Act, 2010 and notified Clinical Establishments (Central Government) Rules, for registration of Clinical Establishments with a view to prescribe the Minimum Standa facilities and services provided by them. Under the said Act, t he National Council for clinical establishments  has  approved  Minimum  Standards  for  different  levels  of  Hospitals.  Th minimum standards inter - alia  provide  that  the  hospitals  should  have  adequate  drugs,  medic devices and consumables commensurate to the scope of services and number of beds. These standards further provide that the quality of drugs, medical devices and consumables s ensured. The Hospitals are also required to follow standard precautions and infection practices including comp liance to Bio - Medical Waste Management Rules.  Currently, the Act is applicable in the States of Sikkim, Mizoram, Arunachal Pradesh, Himachal Pradesh, U.P, Bi Jharkhand,  Rajasthan,  Uttarakhand  and  Assam  and  all  Union  Territories  except  Del Enforcement of the Act falls within the remit of the States/UTs.
Lok Sabha Question No. 4294 (UNSTARRED), answered on 2017-08-11
Subject: GST on Small Scale Industries
Ministry: FINANCE
Asked by: MD. BADARIDDOZA KHAN

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF REVENUE

*****

## LOK SABHA

## UNSTARRED QUESTION NO.4294

## TO BE ANSWERED ON FRIDAY THE 11 TH   AUGUST, 2017 SHRAVANA 20, 1939 (SAKA)

## GST ON SMALL SCALE INDUSTRIES

## 4294. SHRI MD. BADARUDDOZA KHAN:

Will the Minister of FINANCE be pleased to state:

- (a)  whether  the  Goods  and  Services  Tax  (GST)  rate  is  favouring  big  industries  only  and affecting  certain  sectors  and  goods  adversely  especially  the  Small  Scale  Industries (SSI)/Entrepreneurs and if so, the details thereof; (b) whether the SSI as a whole will be adversely affected because they are to pay a full tax for units above Rs. 75 lakh turnover whereas they were earlier exempted for all units below Rs. 1.5 crore and if so, the details thereof; (c) whether the Government and the GST Council has any plan to relook into these issues and remove the anomalies; and
- (d) if so, the details thereof and if not, the reasons therefor?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SANTOSH KUMAR GANGWAR)

- (a): The Commerce and Industry sector in general [including big industry as well as small and medium enterprises] is likely to benefit from the GST on account of lower tax rates for most commodities compared to the earlier tax regime, uniform tax rates across  the  country,  eliminating  of  cascading  of  taxes  and  seamless  availability  of input  tax  credit.  These  features  would  benefit  Commerce  and  Industry  through reduction in cost and improvement in competitiveness.
- (b) & (c): A composition scheme has been provided for the benefit of Small business. An  eligible  registered  person  in  the  State  or  Union  territory,  other  than  Special Category  States  [other  than  Uttarakhand],  can  avail  benefit  of  this  scheme  [except those  manufacturing  ice-cream,  pan  masala  and  tobacco  products]  by  paying  an amount equal to 2% of turnover in the State in case of manufacturers and 1% equal to the turnover in the State in the case of trader /dealers. The turnover limit for availing of  composition  levy  initially  was  Rs.  50  lakhs  in  the  preceding  financial  years. However,  keeping  in  the  view  the  interest  of  small  businesses,  the  same  was increased to 75 lakhs [except in case of Special Category States]. The raised limit in case of Uttarakhand, however, is Rs. 75 lakhs. Further, exemption from GST results in cascading of input taxes, thereby rendering domestic manufacturing of such goods uncompetitive vis- a-vis imported goods, as imported goods are denuded of all input taxes also.
- (d): Does not arise in view of (b) & (c) above.
- ******
Lok Sabha Question No. 4293 (UNSTARRED), answered on 2017-08-11
Subject: Counting of Demonetised Notes
Ministry: FINANCE
Asked by: THOKCHOM MEINYA, KAUSHALENDRA KUMAR

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF ECONOMIC AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO. 4293

TO BE ANSWERED ON 11 TH  AUGUST, 2017/20 TH  SHRAVANA SAKA, 1939

## Counting of Demonetised Notes

## 4293.  DR. THOKCHOM MEINYA: SHRI KAUSHALENDRA KUMAR:

## QUESTION

Will the Minister of Finance be pleased to state:

- (a) whether the Government has taken note that the counting of demonetised notes is not completed, if so, the details thereof;
- (b) whether the previous data issued by the Government on deposited old notes are inaccurate/incomplete and if so, the details thereof and the reasons therefor;
- (c) whether the Government is in the process of procuring new counting machines for the purpose;
- (d) if so, the details thereof; and
- (e) the time by which the total old currency deposited is likely to be verified?

## ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI ARJUN RAM MEGHWAL )

(a) to (e) Specified Bank Notes (SBNs) received are to be reconciled to obviate reporting  errors  and  processed  for  verifying  numerical  accuracy  and  authenticity through machines. Steps have been taken to augment machine processing capacity. Two  Tender  have  been  floated;  one  for  leasing  of  Currency  Verification  and Processing Systems (CVPS) to augment the pace of verification and authentication of SBNs. Another Tender has been floated for procurement of 50 new CVPS machines which is also likely to aid in the process subject to deliveries. Presently counting of SBNs is in progress and no definite timelines have been provided by RBI.

*****
Lok Sabha Question No. 4291 (UNSTARRED), answered on 2017-08-11
Subject: Direct Transfer of Funds under ICDS Scheme
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: RANJEET RANJAN

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION No. 4291 TO BE ANSWERED ON 11.08.2017

## DIRECT TRANSFER OF FUNDS UNDER ICDS SCHEME

## 4291. SHRIMATI RANJEET RANJAN:

Will the Minister of WOMEN AND CHILD DEVELOPMENT be pleased to state:

- (a) whether the Government proposes to directly transfer money in the accounts of pregnant women  with  certain  conditions  instead  of  providing  them  ration  through  Aanganwadi Centres;
- (b) if so, the details thereof along with eligibility criteria in this regard;
- (c) whether it will cost the Government 11 thousand crore rupees annually and 7.5 crore Jan Dhan Accounts are required to be opened for women in this regard and if so, the details thereof along with the funds allocated by the Government for the purposes; and
- (d) whether  Integrated  Child  Development  Services  (ICDS)  Scheme  is  not  proving  to  be effective at  grassroot level and the Government is contemplating to wind up the Scheme and if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF WOMEN AND CHILD DEVELOPMENT (SHRIMATI  KRISHNA  RAJ)

- (a) to (c):   No such decision to directly transfer money in the accounts of pregnant women with certain conditions instead of providing them ration through Anganwadi Centres has been taken by the Government.
- (d):  No Madam. Integrated Child Development Services (ICDS) Scheme is proving to be very effective at the grass root level and providing services to about 10 crore beneficiaries in the country  through  13.55  lakh  Anganwadi  Centres.    The  level  of  malnutrition  among  the children below 5 years of age has come down from 42.5% as per NFHS-3 to 35.7% as per NFHS-4. There is no proposal to wind up the aforesaid scheme.

*****
Lok Sabha Question No. 4289 (UNSTARRED), answered on 2017-08-11
Subject: Action against Guarantor
Ministry: FINANCE
Asked by: RAMA DEVI

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO.†4289

TO BE ANSWERED ON THE 11 TH  August 2017/ Shravana 20, 1939 (SAKA)

## Action against Guarantor

## †4289.  SHRIMATI  RAMA  DEVI:

Will the Minister of FINANCE be pleased to state:

(a) whether there is any provision in banking law to take action against the guarantor in case the borrower fails to repay their loans;

- (b) if so, the details thereof and rules in this regard;

(c) whether the banks have taken any action against the guarantors during the last three years; and

(d) if so, the details thereof, bank-wise?

## ANSWER The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

(a) to (d): Reserve Bank of India (RBI) has informed that with regard to the guarantors, in terms  of  Section  128  of  the  Indian  Contract  Act,  1872,  the  liability  of  the  surety  is  coextensive  with  that  of  the  principal  debtor  unless  it  is  otherwise  provided  by  the  contract. Therefore, when a default is made in making repayment by the principal debtor, the banker will be able to proceed against the guarantor / surety even without exhausting the remedies against the principal debtor. As such, where a banker has made a claim on the guarantor on account  of  the  default  made  by  the  principal  debtor,  the  liability  of  the  guarantor  is immediate.  In  case  the  said  guarantor  refuses  to  comply  with  the  demand  made  by  the creditor  /  banker,  despite  having  sufficient  means  to  make  payment  of  the  dues,  such guarantor would also be treated as a wilful defaulter.

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