Lok Sabha Question No. 1685 (UNSTARRED), answered on 2016-11-25
Subject: Loan to Women Entrepreneurs
Ministry: FINANCE
Asked by: RAMESH CHANDER KAUSHIK

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 1685 TO BE ANSWERED ON 25 th  November, 2016 / Agrahayana 04, 1938 (SAKA) 'LOAN TO WOMEN ENTREPRENEURS'

## 1685 : SHRI RAMESH CHANDER KAUSHIK:

Will the Minister of FINANCE be pleased to state:

- (a) the  targets  fixed/achievements  made  by  the  Public  Sector  Banks  (PSBs)  and  National  Banks  for Agriculture and Rural Development (NABARD) to the loans extended to women entrepreneurs during the last three years along with its comparison to the total loans sanctioned, banks/State/UTs-wise;
- (b) whether the applications of women entrepreneurs for loan are not considered seriously by banks in small cities, if so, the details thereof;
- (c) whether the Government has formulated any policy for removing the obstacles being faced by women entrepreneurs for obtaining the loans;
- (d) if so, the details thereof and if not, the reasons therefore; and
- (e) the  steps  taken/being  taken  by  the  Government  to  ensure  the  easy  availability  of  loan  to  women entrepreneurs to fulfil their requirements?

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

(a): Reserve Bank of India (RBI) has advised all Public Sector Banks (PSBs) to earmark 5% of their net bank credit  for  lending  to  women.    The  data  on  credit  flow  to  women by  PSBs  for  last  three  years  is  at Annex. National Banks for Agriculture and Rural Development (NABARD) does not extend direct loans to women entrepreneurs. (b) to  (e): Every bank has its Board approved loan policy keeping in view RBI norms on exposure, risk assessment,  approval  process,  etc.  Further,  every  bank  lays  down  its  risk  parameters  and  has  its  own integrated risk management and control system. Several banks offer various financial products which are either exclusively for women borrowers or have concessions built in for them. These products provide extra benefits  and  attractive  terms  for  a  wide  range  of  loan  products  from  home  loans  and  vehicle  loans  to business and personal spending. Benefits are also extended in cases where the woman is a co-borrower. Banks also organize Entrepreneurs Development Programmes (EDPs) exclusively for women entrepreneurs. Further,  there  are  several  schemes  of  government  at  Central  and  State  level  which  provide  special incentives and concessions to women entrepreneurs which inter-alia include Credit Guarantee Fund Trust for  Micro  and  Small  Enterprises  (CGTMSE),  Mahila  Coir  Yojana  of  Mo/MSME,  Support  to  Training  and Employment Programme (STEP), Swayamsiddha Scheme of Department of  Women  and Child Development, Rashtriya Mahila Kosh (Non Credit Fund for Women), etc. The Stand up India (SUI) Scheme launched in April 2016 facilitates bank loans between Rs.10 lakh to Rs.1 crore to at least one women borrower per bank branch for setting up a Greenfield (new) enterprise. Under the scheme loans amounting to Rs. 3,261 crore have been sanctioned to 15,957 women beneficiaries during the current Financial Year.  Under the Pradhan Mantri Mudra Yojana, loans amounting to Rs. 82,183 crore have been sanctioned to 2.76 crore women entrepreneurs in 2015-16 and loans amounting to Rs.37,805

crore have been sanctioned to 1.58 crore women entrepreneurs during the current financial year.

******

## Statement Showing particulars of credit to Women by PSBs as on March 31, 2014

(as reported by PSBs)

(No. of A/cs in actual and Amt. O/s Rs. In crore)

| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | Credit to Women   | Credit to Women   | Credit to Women   |
|---------|----------------------------------|----------------------------|-------------------|-------------------|-------------------|
| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | No. of A/cs       | Amt. O/s          | %to ANBC          |
| 1       | ALLAHABAD BANK                   | 124653.00                  | 593246            | 6291.47           | 5.05              |
| 2       | ANDHRA BANK                      | 110864.52                  | 1083402           | 12795.02          | 11.54             |
| 3       | BANK OF BARODA                   | 226111.78                  | 484455            | 9504.49           | 4.20              |
| 4       | BANK OF INDIA                    | 265474.84                  | 729549            | 27625.71          | 10.41             |
| 5       | BANK OF MAHARASHTRA              | 76232.42                   | 202701            | 4031.67           | 5.29              |
| 6       | CANARA BANK                      | 229915.97                  | 2067956           | 36669.38          | 15.95             |
| 7       | CENTRAL BANK OF INDIA            | 175899.00                  | 676942            | 14178.17          | 8.06              |
| 8       | CORPORATION BANK                 | 118707.00                  | 347362            | 7039.20           | 5.93              |
| 9       | DENA BANK                        | 66411.71                   | 173372            | 3334.96           | 5.02              |
| 10      | INDIAN BANK                      | 102803.24                  | 1288524           | 13212.61          | 12.85             |
| 11      | INDIAN OVERSEAS BANK             | 145104.66                  | 1520777           | 22365.31          | 15.41             |
| 12      | ORIENTAL BANK OF COMMERCE        | 135113.00                  | 144909            | 6858.04           | 5.08              |
| 13      | PUNJAB NATIONAL BANK             | 283709.00                  | 827373            | 14301.37          | 5.04              |
| 14      | PUNJAB AND SIND BANK             | 51731.52                   | 54335             | 2414.16           | 4.67              |
| 15      | SYNDICATE BANK                   | 120432.50                  | 724688            | 8980.54           | 7.46              |
| 16      | UNION BANK OF INDIA              | 192817.17                  | 765647            | 11658.40          | 6.05              |
| 17      | UNITED BANK OF INDIA             | 69708.00                   | 402206            | 3551.05           | 5.09              |
| 18      | UCO BANK                         | 119795.00                  | 399608            | 6097.17           | 5.09              |
| 19      | VIJAYA BANK                      | 72727.44                   | 271356            | 5071.71           | 6.97              |
| 20      | STATE BANK OF INDIA              | 926669.56                  | 3798882           | 64674.75          | 6.98              |
| 21      | STATE BANK OF BIKANER AND JAIPUR | 58099.87                   | 211590            | 3169.08           | 5.45              |
| 22      | STATE BANK OF HYDERABAD          | 91633.08                   | 646327            | 8097.95           | 9.00              |
| 23      | STATE BANK OF MYSORE             | 46676.45                   | 182540            | 3039.30           | 6.51              |
| 24      | STATE BANK OF PATIALA            | 75459.80                   | 132546            | 4305.31           | 5.71              |
| 25      | STATE BANK OF TRAVANCORE         | 68395.02                   | 769851            | 8625.33           | 12.61             |
| 26      | IDBI Bank Ltd.                   | 192148.80                  | 164223            | 11906.04          | 6.20              |
|         | Total                            | 4147294.35                 | 18664367          | 319798.19         | 7.71              |

Source: As reported by Public Sector Banks

## Statement Showing particulars of credit to Women by PSBs as on March 31, 2015

(as reported by PSBs)

(No. of A/cs in actual and Amt. O/s Rs. In crore)

| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | Credit to Women   | Credit to Women   | Credit to Women   |
|---------|----------------------------------|----------------------------|-------------------|-------------------|-------------------|
| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | No. of A/cs       | Amt. O/s          | %to ANBC          |
| 1       | ALLAHABAD BANK                   | 136262.00                  | 504766            | 6949.36           | 5.10              |
| 2       | ANDHRA BANK                      | 129733.21                  | 1110314           | 13784.31          | 10.63             |
| 3       | BANK OF BARODA                   | 283894.60                  | 529454            | 11309.52          | 3.98              |
| 4       | BANK OF INDIA                    | 268702.97                  | 782311            | 29567.43          | 11.00             |
| 5       | BANK OF MAHARASHTRA              | 93621.09                   | 202010            | 4551.22           | 4.86              |
| 6       | CANARA BANK                      | 289127.20                  | 2386024           | 37782.59          | 13.07             |
| 7       | CENTRAL BANK OF INDIA            | 188738.32                  | 712433            | 10722.25          | 5.68              |
| 8       | CORPORATION BANK                 | 137086.00                  | 383970            | 7949.64           | 5.80              |
| 9       | DENA BANK                        | 81227.17                   | 144953            | 3427.08           | 4.22              |
| 10      | INDIAN BANK                      | 117099.56                  | 1453854           | 14426.99          | 12.32             |
| 11      | INDIAN OVERSEAS BANK             | 163160.26                  | 1631176           | 22752.65          | 13.94             |
| 12      | ORIENTAL BANK OF COMMERCE        | 144874.93                  | 148525            | 8075.48           | 5.57              |
| 13      | PUNJAB NATIONAL BANK             | 316679.00                  | 924234            | 16689.47          | 5.27              |
| 14      | PUNJAB AND SIND BANK             | 58557.78                   | 60565             | 2865.11           | 4.89              |
| 15      | SYNDICATE BANK                   | 141736.67                  | 792518            | 12939.05          | 9.13              |
| 16      | UNION BANK OF INDIA              | 218562.18                  | 933919            | 14262.62          | 6.53              |
| 17      | UNITED BANK OF INDIA             | 70554.00                   | 163176            | 4381.73           | 6.21              |
| 18      | UCO BANK                         | 146451.00                  | 387719            | 7520.42           | 5.14              |
| 19      | VIJAYA BANK                      | 85400.17                   | 311751            | 6438.04           | 7.54              |
| 20      | STATE BANK OF INDIA              | 1053261.59                 | 3915284           | 77747.57          | 7.38              |
| 21      | STATE BANK OF BIKANER AND JAIPUR | 65488.68                   | 218365            | 3729.40           | 5.69              |
| 22      | STATE BANK OF HYDERABAD          | 99035.01                   | 723096            | 9929.37           | 10.00             |
| 23      | STATE BANK OF MYSORE             | 53218.00                   | 233942            | 4257.43           | 8.00              |
| 24      | STATE BANK OF PATIALA            | 80177.83                   | 121809            | 4252.30           | 5.30              |
| 25      | STATE BANK OF TRAVANCORE         | 71212.34                   | 762061            | 8560.92           | 12.02             |
| 26      | IDBI Bank Ltd.                   | 212631.49                  | 351467            | 13168.78          | 6.19              |
|         | Total                            | 4706493.06                 | 19889696          | 358040.73         | 7.61              |

Source: As reported by Public Sector Banks

## Statement Showing particulars of credit to Women by PSBs as on March 31, 2016

(as reported by PSBs)

(No. of A/cs in actual and Amt. O/s Rs. In crore)

| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | Credit to Women   | Credit to Women   | Credit to Women   |
|---------|----------------------------------|----------------------------|-------------------|-------------------|-------------------|
| Sr.No   | Bank Name                        | Adjusted Net Bank Credit   | No. of A/cs       | Amt. O/s          | %to ANBC          |
| 1       | ALLAHABAD BANK                   | 146850.00                  | 365477            | 9869.37           | 6.72              |
| 2       | ANDHRA BANK                      | 136387.96                  | 1187087           | 16203.22          | 11.88             |
| 3       | BANK OF BARODA                   | 305332.77                  | 569932            | 12268.63          | 4.02              |
| 4       | BANK OF INDIA                    | 286117.00                  | 852305            | 31267.00          | 10.93             |
| 5       | BANK OF MAHARASHTRA              | 104180.00                  | 235613            | 5106.87           | 4.90              |
| 6       | BHARATIYA MAHILA BANK LTD.       | 351.81                     | 9569              | 192.79            | 54.80             |
| 7       | CANARA BANK                      | 295302.23                  | 2746243           | 42066.03          | 14.25             |
| 8       | CENTRAL BANK OF INDIA            | 199535.00                  | 796506            | 12019.95          | 6.02              |
| 9       | CORPORATION BANK                 | 147673.00                  | 418908            | 9289.80           | 6.29              |
| 10      | DENA BANK                        | 84795.00                   | 155971            | 4018.85           | 4.74              |
| 11      | IDBI BANK LIMITED                | 222176.11                  | 572546            | 10496.79          | 4.72              |
| 12      | INDIAN BANK                      | 123219.22                  | 1567579           | 15582.63          | 12.65             |
| 13      | INDIAN OVERSEAS BANK             | 167805.82                  | 1381881           | 16487.80          | 9.83              |
| 14      | ORIENTAL BANK OF COMMERCE        | 151673.04                  | 177844            | 6244.22           | 4.12              |
| 15      | PUNJAB AND SIND BANK             | 66491.00                   | 76337             | 3232.75           | 4.86              |
| 16      | PUNJAB NATIONAL BANK             | 341693.00                  | 1057305           | 20030.00          | 5.86              |
| 17      | SYNDICATE BANK                   | 162086.19                  | 835394            | 14342.43          | 8.85              |
| 18      | UCO BANK                         | 144575.00                  | 367150            | 7262.00           | 5.02              |
| 19      | UNION BANK OF INDIA              | 246612.55                  | 1016023           | 16041.27          | 6.50              |
| 20      | UNITED BANK OF INDIA             | 72427.00                   | 208299            | 5272.76           | 7.28              |
| 21      | VIJAYA BANK                      | 91489.00                   | 377403            | 7790.31           | 8.52              |
|         | Nationalised Banks               | 3496772.70                 | 14975372          | 265085.48         | 7.58              |
| 1       | STATE BANK OF BIKANER AND JAIPUR | 71479.56                   | 229653            | 4394.26           | 6.15              |
| 2       | STATE BANK OF HYDERABAD          | 11058349.00                | 772494            | 1152127.00        | 10.42             |
| 3       | STATE BANK OF INDIA              | 1133343.00                 | 3991583           | 95665.59          | 8.44              |
| 4       | STATE BANK OF MYSORE             | 55796.02                   | 243119            | 4481.33           | 8.03              |
| 5       | STATE BANK OF PATIALA            | 82720.13                   | 133988            | 4407.71           | 5.33              |
| 6       | STATE BANK OF TRAVANCORE         | 71739.00                   | 572363            | 7406.36           | 10.32             |
|         | SBI And Its Associates           | 12473426.71                | 5943200           | 1268482.25        | 10.17             |
|         | Total                            | 15970199.41                | 20918572.00       | 1533567.73        | 9.60              |

Source: As reported by Public Sector Banks