Lok Sabha Question No. 2960 (UNSTARRED), answered on 2016-12-02
Subject: Loan to Dairy Units
Ministry: FINANCE
Asked by: DEVJI MANSINGRAM PATEL

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

## LOK SABHA

Unstarred Question No. †2960

To be answered onDecember02, 2016/Agrahayana11, 1938 (Saka)

## Loan to Dairy Units

†2960 SHRI DEVJI M. PATEL:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government/banks provides loan for setting up small dairy units in the country;
- (b) if so, the details thereof along with the total number of farmers who have been given loans  for  setting  up  small  dairy  units  in  the  country,  bank/State/UT-wise  including Rajasthan in the last three years;
- (c)  whether the amount is very less for construction of a modern dairy unit, if so, the details thereof;
- (d) whether the Government proposes to raise the said amount for setting up modern small dairy units and if so, the details thereof; and
- (e)  whether  some  banks  do  not  show  interest  in  giving  small  loans  under  the  said scheme, if so, the details thereof and the action to be taken against the banks which refuse loans for such activity?

## Answer

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

- (a) Yes, Madam. Banks provide loans for setting up small dairy units in the country.
- (b): The details of loans given to dairy units by Public Sector Banks and Private Sector Commercial Banks from 2013 to 2016, as provided by Reserve Bank of India (RBI), are given  in  Annex.  The  State/UT-wise  data  on  loans  given  to  small  dairy  units  are  not maintained separately by RBI.
- (c) to (e): Banks extend loan amount to dairy units including modern dairy units based on  the  financial  viability  of  the  project  as  well  as  their  Board-approved  norms  and policies

## Annex referred to in reply to part (b) of USQ No.2960 for 2.12.2016 Outstanding Advances to Dairying - Public and Private Sector Banks

(No of A/c in actual and amount in Rs. Thousands)

| Bank Name                      | Mar-13 Dairying   | Mar-13 Dairying   | Mar-14 Dairying   | Mar-14 Dairying   | Mar-15               | Mar-15      | Mar-16 Dairying   | Mar-16 Dairying   |
|--------------------------------|-------------------|-------------------|-------------------|-------------------|----------------------|-------------|-------------------|-------------------|
|                                | No. of A/cs       | Balance O/s       | No. of A/cs       | Balance O/s       | Dairying No. of A/cs | Balance O/s | No. of a/cs       | Balance O/s       |
| State Bank of Bikaner & Jaipur | 40518             | 1911968.47        | 38088             | 1818438.79        | 34943                | 1605920.20  | 27109             | 1383920.57        |
| State Bank of Hyderabad        | 38204             | 2385934.68        | 34186             | 2318789.17        | 31389                | 2352965.00  | 31183             | 2535721.39        |
| State Bank of India            | 315645            | 16755064.00       | 187031            | 13017169.00       | 160957               | 11972805.00 | 159797            | 12657300.00       |
| State Bank of Mysore           | 21708             | 778073.00         | 21203             | 1002524.00        | 8                    | 3056.09     | 26730             | 1179954.09        |
| State Bank of Patiala          | 7051              | 1332317.00        | 6749              | 1322318.00        | 8266                 | 1422318.00  | 7125              | 1304650.00        |
| State Bank of Travancore       | 1914              | 241298.00         | 9514              | 384603.00         | 20161                | 290178.00   | 3913              | 285511.00         |
| SBI and its Associates         | 425040            | 23404655.15       | 296771            | 19863841.96       | 255724               | 17647242.29 | 255857            | 19347057.05       |
| Allahabad Bank                 | 5361              | 1461419.00        | 3875              | 965298.00         | 17553                | 4316152.00  | 4871              | 1899177.00        |
| Andhra Bank                    | 3677              | 316583.00         | 279               | 315868.54         | 16843                | 3229327.33  | 29388             | 1727019.61        |
| Bank of Baroda                 | 135668            | 7353515.00        | 132693            | 7940165.90        | 130027               | 9098509.25  | 121266            | 10196999.34       |
| Bank of India                  | 89490             | 5002081.11        | 34038             | 1896740.00        | 81480                | 6246631.79  | 79858             | 6111672.34        |
| Bank of Maharashtra            | 18380             | 1896794.01        | 16551             | 2188305.00        | 14560                | 2272814.86  | 14403             | 2556131.18        |
| BHARATIYA MAHILA BANK LTD.     | NA                | NA                | NA                | NA                | 111                  | 15516.00    |                   |                   |
| Canara Bank                    | 69437             | 23142443.44       | 97332             | 3874464.90        | 108177               | 5991224.01  | 152966            | 8429961.96        |
| Central Bank of India          | 182907            | 15283700.00       | 66453             | 4592446.00        | 64440                | 5224295.78  | 57790             | 4853616.95        |
| Corporation Bank               | 1548              | 661247.00         | 28592             | 3558357.00        | 29212                | 3350454.00  | 30721             | 4193156.00        |
| Dena Bank                      | 27387             | 1269372.58        | 27625             | 1490827.72        | 28807                | 1643552.56  | 28273             | 2132609.56        |
| IDBI Bank Ltd.                 | 3921              | 673301.73         | 5260              | 736816.56         | 9634                 | 1546744.69  | 14237             | 1887983.08        |
| Indian Bank                    | 54849             | 5234654.00        | 45748             | 5202226.00        | 45640                | 5464619.00  | 50403             | 5538100.00        |
| Indian Overseas Bank           | 72243             | 1063569.00        | 18491             | 5194696.00        | 33191                | 10872845.00 | 73518             | 5710140.15        |
| Oriental Bank of Commerce      | 25332             | 1821058.35        | 13992             | 1735308.00        | 2820                 | 267351.00   | 12496             | 1133234.00        |
| Punjab and Sind Bank           | 16625             | 1224175.77        | 16372             | 1228076.74        | 13235                | 857409.16   | 14032             | 1047117.65        |
| Punjab National Bank           | 474454            | 53487449.00       | 154695            | 10230154.49       | 161031               | 12391809.65 | 173885            | 11699334.41       |
| Syndicate Bank                 | 50934             | 3006519.00        | 49674             | 3481607.00        | 44433                | 3213869.00  | 53302             | 4372525.00        |
| UCO Bank                       | 33997             | 2616923.00        | 46467             | 3900306.00        | 33526                | 3237801.00  | 32994             | 3268064.00        |
| Union Bank of India            | 135418            | 6615506.92        | 210148            | 10587452.78       | 273386               | 14233649.72 | 319784            | 17169827.10       |
| United Bank of India           | 0                 | 0.00              | 21169             | 2663745.50        | 19896                | 2131941.75  | 28805             | 2638899.84        |
| Vijaya Bank                    | 27447             | 1027975.00        | 11444             | 899428.45         | 13901                | 857678.27   | 14388             | 1328511.34        |
| Nationalised Banks             | 1429075           | 133158286.9       | 1000898           | 72682290.58       | 1141903              | 96464195.82 |                   | 97894080.51       |
| Bank                           |                   | 293767.35         |                   |                   |                      |             | 1307380           |                   |
| Axis                           | 1626              |                   | 1061              | 111330.43         | 671                  | 77145.18    | 472               | 86095.00          |

| BANDHAN BANK LIMITED     | NA     | NA          | NA     | NA          | NA     | NA          | 515736   | 9708419.39   |
|--------------------------|--------|-------------|--------|-------------|--------|-------------|----------|--------------|
| Catholic Syrian Bank     | 14     | 8208.32     | 202    | 16144.71    | 458    | 81277.58    | 887      | 35006.69     |
| City Union Bank          | 4027   | 172997.00   | 817    | 85853.89    | 756    | 78665.76    | 1460     | 243038.72    |
| Development Credit Bank  | 143    | 20321.65    | 138    | 18779.29    | 129    | 20261.00    | 193      | 31847.49     |
| Dhanlaxmi Bank           | 2943   | 116064.00   | 2641   | 153029.97   | 7      | 2092.04     | 1706     | 62217.00     |
| Federal Bank             | 4707   | 427504.90   | 1859   | 230376.00   | 2064   | 318929.00   | 2128     | 479137.29    |
| HDFC Bank                | 8005   | 792177.84   | 5599   | 1131057.70  | 16046  | 5757816.31  | 117344   | 3369345.52   |
| ICICI Bank               | 33780  | 6396182.20  | 46079  | 3389500.62  | 59065  | 3009183.13  | 133531   | 13659421.83  |
| IDFC BANK LIMITED        |        |             |        |             |        |             | 1072     | 19224.88     |
| Indusind Bank            | 6      | 76.60       |        |             | 0      | 0.00        | 7        | 55289.85     |
| ING Vysya Bank           | 2956   | 236494.00   | 883    | 154101.00   | 701    | 132776.00   |          |              |
| Jammu & Kashmir Bank     | 29085  | 3782712.00  | 13915  | 2876479.91  | 14036  | 2702285.89  | 16       | 55912.00     |
| Karnataka Bank           | 3052   | 229139.90   | 3227   | 247188.82   | 3333   | 269573.00   | 4166     | 393435.00    |
| Karur Vysya Bank         | 1977   | 30134.09    | 2240   | 121858.04   | 3331   | 341686.33   | 3354     | 409380.16    |
| Kotak Mahindra Bank      | 4      | 13297.87    | 4      | 20124.61    | 6      | 30681.46    | 19822    | 446816.57    |
| Lakshmi Vilas Bank       | 1129   | 44237.97    | 1314   | 68960.61    | 1246   | 68762.38    | 1235     | 76522.00     |
| Nainital Bank            | 1311   | 76875.00    | 1809   | 101133.00   | 1658   | 122441.60   | 895      | 79832.70     |
| Ratnakar Bank            | 18363  | 587270.00   | 37875  | 965713.00   | 34499  | 889484.83   | 176044   | 2647368.00   |
| South Indian Bank        | 1239   | 86044.99    | 13566  | 1059649.82  | 33234  | 2178691.79  | 1229     | 125521.57    |
| Tamilnad Mercantile Bank | 2880   | 141918.00   | 6748   | 347539.00   | 66671  | 3224476.59  | 101267   | 4943232.23   |
| Yes Bank                 | 304    | 301093.19   | 437    | 402588.86   | 1416   | 798654.86   | 899      | 2601318.35   |
| Private Sector Banks     | 117551 | 13756516.87 | 140414 | 11501409.28 | 239327 | 20104884.73 | 1083463  | 39528382.24  |

## Source: RBI