Lok Sabha Question No. 4907 (UNSTARRED), answered on 2017-03-31
Subject: Loans to MSMEs
Ministry: FINANCE
Asked by: SAKSHI SWAMI MAHARAJ

- ii.
- iii\_
- achieve a 10% annual growth in number of Micro Enterprise accounts

The performance of banks with respect to above mentioned target for the last three years is given at Annex |.

- (b) Public Sector Banks (PSBs) were advised by RBI to operationalise at least one specialized MSME branch in every district and centre having a cluster of MSME enterprises\_
- (c)
- Details are at Annex II.

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

## LOK SABHA

## UN-STARRED QUESTION NO 4907 TO BE ANSWERED ON MARCH; 2017 / CHAITRA 10, 1939 (SAKA) 31st

## 'LOANS TO MSMEs'

4907 DR: SWAMI SAKSHIJI MAHARAJ

Will the Minister of FINANCE be pleased to state

- the details of the target set and achievement made by the banks to provide loans to Micro, Small and Medium Enterprises (MSMEs) sector during the last
- (a) three years;
- (b) whether the Government has established   special branches of the Public Sector Banks to provide loan to MSMEs sector; and
- (c) if the details thereof, bankiState/UT-wise ? SO,

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

## ANSWER (SHRI SANTOSH KUMAR GANGWAR)

- (a) The Reserve Bank of India (RBI) has mandated banks since April 23, 2015 to provide 7.5% of Adjusted Net Bank Credit (ANBC) or Credit Equivalent of OffBalance Sheet Exposure whichever, is   higher to Micro Enterprises under Priority Sector Lending (PSL) norms. Details of the last three years are given at Annex |.

on the basis of the recommendations of the Prime Minister's Task

Force on Micro, Small and Medium Enterprises (MSME), Banks were advised to

- achieve a 20 per cent Year-on-Year growth in credit to Micro and Small Enterprises (MSEs) ,
- allocate 60% of the MSE advances to the Micro Enterprises and

+ * * * * *

## Details of lending to Priority Sector-Micro Enterprises by banks for last 3 years (Amount in Rs.crore)

| As on March 31 of the Financial Year   | Public Sector Banks   | Public Sector Banks             | Public Sector Banks   | Private Sector Banks   | Private Sector Banks           | Private Sector Banks   |
|----------------------------------------|-----------------------|---------------------------------|-----------------------|------------------------|--------------------------------|------------------------|
| As on March 31 of the Financial Year   | ANBC                  | Micro Enterprises- Outstanding_ | % of ANBC             | ANBC                   | Micro Enterprises- Outstanding | % of ANBC              |
| 1                                      | 2                     | 3                               | 4                     | 5                      | 6                              | 7                      |
| 2014                                   | 4110591.37            | NA                              | NA                    | 1058403.49             | NA                             | NA                     |
| 2015                                   | 4689464.99            | NA:                             | NA:                   | 1238489.56             | NA:                            | NA                     |
| 2016                                   | 5056593.76            | 321575.75                       | 6.36                  | 1468980.59             | 116473.45                      |                        |

## Details of targets for lending to MSE sector by banks for last three years

| Particulars                                            | Public Sector Banks   | Public Sector Banks   | Public Sector Banks   | Private Sector Banks   | Private Sector Banks   | Private Sector Banks   | Foreign Banks   | Foreign Banks   | Foreign Banks   | AII Scheduled Commercial banks   | AII Scheduled Commercial banks   | AII Scheduled Commercial banks   |
|--------------------------------------------------------|-----------------------|-----------------------|-----------------------|------------------------|------------------------|------------------------|-----------------|-----------------|-----------------|----------------------------------|----------------------------------|----------------------------------|
|                                                        | (26) (27)             | (27)                  |                       | (20)                   | (20)                   | (21)                   | (32)            | (41)            | (43)            | (78)                             | (88)                             | (91)                             |
|                                                        | Mar 2014              | Mar 2015              | Mar 2016              | 2014                   | Mar 2015               | Mar 2016               | Mar 2014        | Mar 2015        | Mar 2016        | Mar 2014                         | Mar 2015                         | Mar 2016                         |
| Attaining of target of 60% of MSE to Micro Enterprises | 11                    |                       | 8                     |                        |                        | 6                      | 3               |                 | 2               | 21                               | 17                               | 16                               |
| 10 % Y-O-y growth in number of Micro enterprises       | 16                    | 12                    | 22                    | 10                     | 14                     | 11                     |                 | 5               | 6               | 33                               | 31                               | 39                               |
| 20% Y-O-Y growth in credit to MSE sector               | 21                    |                       | 3                     | 14                     | 9                      |                        | 6               | 9               |                 | 41                               | 25                               | 19                               |

Source

RBI

| Name of Bank                      | Assam   | Andhra Prades and   | Andaman Arunac hal Nicobar Prades   | Bihar   | Chhatt- isgarh   | Gujarat   | Goa   | Haryana |Himach al   | Prades   | Jek   | Ind   | JharkhakKarnata Kerala ka   |    | West Bengal   | Sikkim   | Daman   | Dadara NA garh   | Changi- (Pudu- chery   |
|-----------------------------------|---------|---------------------|-------------------------------------|---------|------------------|-----------|-------|---------------------------|----------|-------|-------|-----------------------------|----|---------------|----------|---------|------------------|------------------------|
| Allahabad Bank                    |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Andhra Bank                       |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| BOB                               |         |                     |                                     |         |                  | 24        |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| BOL                               |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| BOM                               |         |                     |                                     |         |                  |           |       |                           |          |       |       | 2                           |    |               |          |         |                  |                        |
| Canara Bank                       |         |                     |                                     |         |                  |           |       | 8                         |          |       |       | 24                          |    |               |          |         |                  |                        |
| ICBI                              | 19      |                     |                                     |         |                  | 49        |       | 15                        |          |       | 16    | 6                           |    | 45            |          |         |                  |                        |
| Corporation Bank                  |         |                     |                                     |         |                  | 10        |       |                           |          |       |       | 21                          |    |               |          |         |                  |                        |
| Dena Bank                         |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Indian Bank                       |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| IIOB                              |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| IOBC                              |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| PNB                               |         |                     |                                     |         |                  |           |       | 20                        | 10       |       |       |                             |    |               |          |         |                  |                        |
| PeS Bank                          |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Syndicate Bank United Bk of India | 16      | 8                   |                                     |         |                  | 2 12      |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Union Bank of India               |         | 14                  |                                     |         |                  | 40        |       |                           |          |       |       | 18                          | 15 |               |          |         |                  |                        |
| UCO Bank                          |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Mjaya Bank                        |         | 3                   |                                     |         |                  | 3         |       |                           |          |       |       | 12                          |    |               |          |         |                  |                        |
| SBL                               | 19      | 38                  |                                     |         | 16               | 5 82      |       | 16                        |          |       |       | 27                          | 21 |               |          |         |                  |                        |
| [SBBJ                             |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| SB Hyderabad                      |         | 24                  |                                     |         |                  |           |       |                           |          |       |       | 4                           |    |               |          |         |                  |                        |
| SB Mysore_                        |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| SB Patiala                        |         |                     |                                     |         |                  |           |       |                           |          |       |       | 20                          |    |               |          |         |                  |                        |
| SB Travancore                     |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             | 10 |               |          |         |                  |                        |
| IDBI Bank                         |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Bharatiya Mahila Bank             |         |                     |                                     |         |                  |           |       |                           |          |       |       |                             |    |               |          |         |                  |                        |
| Total                             | 67      | 137                 |                                     | 68      | 64               | 298       | 24    | 119                       | 40       |       | 20 51 | 166 73                      |    | 168           |          |         |                  | 12                     |

Source

RBI

## SPECIALISED MSME BRANCHES\_SIATE WISE AS ON MARCH 31,2016

| Name of Bank          | Maharashtra   | Manipur   | Mizora m   | Madhya Pradesh   | Nagaland   | New Delhi   | Orissa   | Punjab   | Rajasth an   | Tamil Nadu   | [Telanga| Tripura na   | Uttarkh and   | Uttar Laksha Pradesh   | Total   |
|-----------------------|---------------|-----------|------------|------------------|------------|-------------|----------|----------|--------------|--------------|-----------------------------|---------------|------------------------|---------|
| Allahabad Bank        |               |           |            |                  |            |             |          |          |              |              |                             |               |                        | 18      |
| Andhra Bank           |               |           |            |                  |            |             |          |          |              |              |                             |               |                        | 19      |
| BOB                   | 8             |           |            |                  |            |             |          |          | 13           | 2            |                             |               |                        | 72      |
| BOI                   | 14            |           |            |                  |            |             |          |          |              | 10           |                             |               | 10                     |         |
| BOM                   | 28            |           |            |                  |            |             |          |          |              | 2            |                             |               |                        | 38      |
| Canara Bank           | 14            |           |            |                  |            |             |          |          | 10           | 49           |                             |               | 48                     | 165]    |
| CBI                   | 49            |           |            | 38               |            | 26          | 16       |          |              | 26]          |                             |               | 85]                    | 5331    |
| Corporation Bank      | 10            |           |            |                  |            |             |          |          |              |              |                             |               | 12                     | 109     |
| Dena Bank             | 32            |           |            |                  |            | 5           |          |          |              |              |                             |               |                        | 122     |
| Indian Bank           |               |           |            |                  |            |             |          |          |              | 24           |                             |               |                        | 73      |
| IIOB                  |               |           |            |                  |            |             |          |          |              | 12           |                             |               |                        | 27      |
| OBC                   |               |           |            |                  |            |             |          | 5        |              |              |                             |               |                        | 16]     |
| PNB                   |               |           |            |                  |            | 6           |          | 13       |              |              |                             |               | 9                      | 87      |
| P&S Bank              |               |           |            |                  |            | 10          |          |          |              |              |                             |               |                        | 108]    |
| Syndicate Bank        |               |           |            |                  |            | 2           |          |          |              | 9            |                             |               |                        | 69]     |
| United Bk of India    | 9             |           |            |                  |            | 9           |          |          | 9            | 8            |                             |               |                        | 180     |
| UUnion Bank of India  | 45            |           |            |                  |            | 13          |          | 10]      |              | 25           | 15                          |               |                        | 320]    |
| UCO Bank              |               |           |            |                  |            |             |          | 2        | 3            | 3            |                             |               | 8                      | 52      |
| Mjaya Bank            | 3             |           |            |                  |            |             |          |          | 3 2          | 6            | 2                           |               |                        | 61      |
| SBI                   | 80            |           |            |                  | 28         | 15          |          | 16       | 8            | 56           | 27                          |               | 48                     | 561     |
| SBBJ                  |               |           |            |                  |            |             |          |          | 22           | 2            |                             |               |                        | 36]     |
| SB Hyderabad          | 8             |           |            |                  |            |             |          |          |              |              |                             |               |                        | 38]     |
| SB Mysore             |               |           |            |                  |            |             |          |          |              |              |                             |               |                        | 20]     |
| SB Patiala            |               |           |            |                  |            |             |          |          |              |              |                             |               |                        | 30]     |
|                       |               |           |            |                  |            |             |          |          |              |              |                             |               |                        | 10]     |
| IDBI Bank             |               |           |            |                  |            |             |          |          |              |              |                             |               |                        |         |
| Bharatiya Mahila Bank |               |           |            |                  |            |             |          |          |              |              |                             |               |                        |         |
| Total                 | 325           |           |            |                  |            | 111         | 57       | 158      | 119          | 232          | 61                          | 40            | 292                    | 2864    |