Lok Sabha Question No. 1671 (UNSTARRED), answered on 2017-03-10
Subject: NPAs of Cooperative Banks
Ministry: FINANCE
Asked by: JAYSHREEBEN  PATEL

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

Unstarred Question No. †1671 To be answered on 10 th  March, 2017/Phalguna 19, 1938 (Saka)

## NPAs of Cooperative Banks

†1671. SHRIMATI JAYSHREEBEN PATEL:

Will the Minister of FINANCE be pleased to state:

- (a)  the  number  of  district  level  cooperative  sector  banks  in  the  country  having  NonPerforming Assets(NPAs), State/UT-wise; and
- (b)  the  steps  taken/being  taken  by  the  Government  to  recover  NPA's  of  cooperative banks?

## Answer

The Minister of State in the Ministry of Finance (Shri  Santosh Kumar Gangwar)

- (a): National Bank for Agriculture and Rural Development (NABARD) has reported that there  are  altogether  370  District  Central  Cooperative  Banks  (DCCBs)  in  the  country. Further, 348 DCCBs have reported Non Performing Assets (NPAs) for the year ended 31 March 2016. The state/UT-wise position is given in Annexure .
- (b): The Government has taken sector specific measures (Infrastructure, Power, Road, textiles,  Steel  etc.)  where  incidence  of  NPA  is  high.  The  Insolvency  and  Bankruptcy code (IBC) has been enacted and Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act (SARFAESI) and The Recovery of Debts due to  Banks  and  Financial  Institutions  (RDDBFI)  Act  have  been  amended  to  improve resolution/recovery of bank loans. Six new Debt Recovery Tribunals (DRTs) have been established, to speed up the recovery of bad loans of the banking sector, in addition to existing thirty three. For recovering NPAs, the Cooperative Banks have been advised by NABARD to initiate various measures e.g conduct of recovery drives, filing suits against defaulters,  case  by  case  analysis  of  bad  loan  accounts,  improving  appraisal  skills  of staff etc.

********************

## ANNEXURE to USQ 1671 for 10.03.2017

The state/UT-wise position of DCCBs with NPA (as on March 2016) is furnished in the following table:

|   S.No | Name of the State/ UT   |   No. of DCCBs with NPAs |   Gross NPAs to Gross Loans & Advances% |
|--------|-------------------------|--------------------------|-----------------------------------------|
|      1 | Chhattisgarh            |                        6 |                                   14.88 |
|      2 | Madhya Pradesh          |                       37 |                                   13.25 |
|      3 | Uttarakhand             |                        8 |                                    7.82 |
|      4 | Uttar Pradesh           |                       48 |                                   11.77 |
|      5 | Bihar                   |                       21 |                                   21.77 |
|      6 | Jharkhand               |                        8 |                                   47.62 |
|      7 | Odisha                  |                       15 |                                    7.28 |
|      8 | West Bengal             |                       15 |                                    7.44 |
|      9 | Haryana                 |                       18 |                                    5.44 |
|     10 | Himachal Pradesh        |                        2 |                                   11.84 |
|     11 | Jammu and Kashmir       |                        3 |                                   15.09 |
|     12 | Punjab                  |                       19 |                                    4.45 |
|     13 | Rajasthan               |                       24 |                                    3.53 |
|     14 | Andhra Pradesh          |                       12 |                                    5.16 |
|     15 | Karnataka               |                       21 |                                    4.46 |
|     16 | Kerala                  |                       12 |                                    8.21 |
|     17 | Tamil Nadu              |                       23 |                                    8.16 |
|     18 | Telangana               |                        7 |                                    2.79 |
|     19 | Gujarat                 |                       18 |                                    5.77 |
|     20 | Maharashtra             |                       31 |                                   15.04 |

Source: NABARD