Lok Sabha Question No. 1349 (UNSTARRED), answered on 2017-12-22
Subject: Loan by Cooperative Banks to Agricultural Sector
Ministry: FINANCE
Asked by: BHANU PRATAP SINGH VERMA

## Government of India Ministry of Finance

## Department of Financial Services

## LOK SABHA

Unstarred Question No. 1349

To be answered on Friday, December 22, 2017/Pausha 01, 1939 (Saka)

## Loan by Cooperative Banks to Agricultural Sector

†1349. SHRI BHANU PRATAP SINGH VERMA:

Will the Minister of FINANCE be pleased to state:

- (a)  whether  the  amount  and  percentage  of  loans  disbursed  by  cooperative  banks  to agricultural sector has increased during the last three years;
- (b) if so, the details thereof, State wise including Uttar Pradesh;
- (c) the details of the achievements made vis-a-vis targets fixed in this regard;
- (d) whether the Government has identified the impediments being faced by the cooperative banks in the disbursal of loans; and
- (e) if so, the details thereof and the action taken by the Government in this regard?

## Answer

The Minister of State in the Ministry of Finance (Shri Shiv Pratap Shukla )

(a) to (c): State wise details of agricultural loans disbursed by Cooperative Banks, including Uttar  Pradesh,  and  percentage  share  of  Cooperative  Banks  in  total  agriculture  loan disbursement  during  the  last  03  years,  as  reported  by  National  Bank  for  Agriculture  and Rural Development (NABARD), are given in Annexure I .

The  details  of  the  achievements  made  by  Cooperative  Banks  vis-à-vis  targets  fixed  for agriculture credit are given as under:

(Rs. in lakh)

| Year           | Target         | Achievement   |
|----------------|----------------|---------------|
| 1,40,00,000.00 | 1,38,46,950.00 | 2014-15       |
| 1,40,00,000.00 | 1,53,29,498.00 | 2015-16       |
| 1,50,00,000.00 | 1,42,75,829.99 | 2016-17       |

Source: NABARD

- (d) & (e): To enable Cooperative Banks to meet the crop loan and term loan requirements of farmers,  Government  has  set  up  two  funds  in  NABARD,  to  be  met  out  of  the  shortfall  in priority sector lending targets by commercial banks, as under:
- i.  Short  Term  Cooperative  Rural  Credit  (Refinance)  Fund:  Through  this  fund  NABARD provides concessional short term refinance to Cooperative Banks for their crop loan lending. An amount of Rs.45,000 crore has been allocated for the said Fund during 2017-18.
- ii.  Long  Term  Rural  Credit  Fund  (LTRCF):  This  fund  has  been  set  up  for  the  purpose  of providing long term refinance support to Cooperative Banks and Regional Rural Banks for their lending towards investment activities in agriculture.  Government  has  allocated additional resources of Rs.15,000 crore to this fund during 2017-18.

Further, recognizing the need to revamp the ailing Cooperative Banks so that they are able to  cater  to  the  needs  of  farmers  at  their  doorstep,  the  Government  in  2014  announced implementation  of  the  Scheme  for  Revival  of  23  Unlicensed  District  Central  Cooperative Banks  (DCCBs)  in  four  States  viz.  16  in  Uttar  Pradesh,  3  in  Jammu  &  Kashmir,  3  in Maharashtra and 1 in West Bengal.

| Annexure I to USQ 1349 for 22.12.2017   | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           | Annexure I to USQ 1349 for 22.12.2017                                           |
|-----------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|
|                                         | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) | Cooperative Banks in Total Agriculture Credit Disbursement (Amount in Rs. Lakh) |
| S. No.                                  | State                                                                           | 2014-15                                                                         | 2014-15                                                                         | 2015-16                                                                         | 2015-16                                                                         | 2016-17                                                                         | 2016-17                                                                         |
|                                         |                                                                                 | Agriculture Loan Disbursement by Cooperative Banks)                             | % Share of Cooperative Banks in total agriculture disbursement                  | Agriculture Loan Disbursement by Cooperative Banks)                             | % Share of Cooperative Banks in total agriculture disburseme nt                 | Agriculture Loan Disbursement by Cooperative Banks)                             | % Share of Cooperative Banks in total agriculture disburseme nt                 |
| 1                                       | DELHI                                                                           | 815.00                                                                          | 0.05                                                                            | 900.47                                                                          | 0.16                                                                            | 716.91                                                                          | 0.04                                                                            |
| 2                                       | HARYANA                                                                         | 8,42,200.00                                                                     | 20.83                                                                           | 9,81,769.00                                                                     | 19.72                                                                           | 9,74,697.67                                                                     | 19.70                                                                           |
| 3                                       | HIMACHAL PRADESH                                                                | 89,863.00                                                                       | 18.10                                                                           | 1,38,404.53                                                                     | 27.02                                                                           | 1,42,724.20                                                                     | 23.34                                                                           |
| 4                                       | JAMMU & KASHMIR                                                                 | 2,039.00                                                                        | 2.66                                                                            | 3,017.22                                                                        | 1.09                                                                            | 955.07                                                                          | 0.13                                                                            |
| 5                                       | PUNJAB                                                                          | 15,05,976.00                                                                    | 20.64                                                                           | 14,94,938.73                                                                    | 17.66                                                                           | 13,55,701.59                                                                    | 18.25                                                                           |
| 6                                       | RAJASTHAN                                                                       | 16,32,234.00                                                                    | 24.83                                                                           | 16,13,049.44                                                                    | 23.85                                                                           | 14,13,031.10                                                                    | 19.02                                                                           |
| 7                                       | CHANDIGARH UT                                                                   | -                                                                               | -                                                                               | -                                                                               | -                                                                               | -                                                                               | -                                                                               |
|                                         | Northern Region Total                                                           | 40,73,127.00                                                                    | 20.12                                                                           | 42,32,079.39                                                                    | 19.51                                                                           | 38,87,826.54                                                                    | 16.70                                                                           |
| 8                                       | ARUNACHAL PRADESH                                                               | 558.00                                                                          | 11.18                                                                           | 294.44                                                                          | 6.88                                                                            | 4,823.28                                                                        | 36.38                                                                           |
| 9                                       | ASSAM                                                                           | 1,697.00                                                                        | 0.62                                                                            | 2,219.11                                                                        | 0.57                                                                            | 1,388.88                                                                        | 0.23                                                                            |
| 10                                      | MANIPUR                                                                         | -                                                                               | -                                                                               | 138.10                                                                          | 0.87                                                                            | 467.32                                                                          | 1.86                                                                            |
| 11                                      | MEGHALAYA                                                                       | 347.00                                                                          | 1.77                                                                            | 3,085.78                                                                        | 19.75                                                                           | 3,291.71                                                                        | 8.94                                                                            |
| 12                                      | MIZORAM                                                                         | 727.00                                                                          | 10.36                                                                           | 1,678.02                                                                        | 16.93                                                                           | 1,450.54                                                                        | 12.68                                                                           |
| 13                                      | NAGALAND                                                                        | 3,803.00                                                                        | 28.19                                                                           | 3,425.28                                                                        | 28.99                                                                           | 3,498.72                                                                        | 27.04                                                                           |
| 14                                      | SIKKIM                                                                          | 1,178.00                                                                        | 15.61                                                                           | 1,379.21                                                                        | 19.26                                                                           | 1,415.73                                                                        | 8.76                                                                            |
| 15                                      | TRIPURA                                                                         | 25,099.00                                                                       | 24.54                                                                           | 21,207.55                                                                       | 16.56                                                                           | 7,439.39                                                                        | 4.92                                                                            |
|                                         | North Eastern Region Total                                                      | 33,409.00                                                                       | 7.50                                                                            | 33,427.49                                                                       | 5.73                                                                            | 23,775.57                                                                       | 2.71                                                                            |
| 16                                      | A & N ISLAND                                                                    | 461.00                                                                          | 6.94                                                                            | 4,284.38                                                                        | 38.31                                                                           | 3,821.54                                                                        | 28.31                                                                           |
| 17                                      | BIHAR                                                                           | 36,180.00                                                                       | 1.58                                                                            | 44,981.00                                                                       | 1.11                                                                            | 34,215.00                                                                       | 1.31                                                                            |
| 18                                      | JHARKHAND                                                                       | 1,014.00                                                                        | 0.40                                                                            | 368.76                                                                          | 0.10                                                                            | 323.30                                                                          | 0.07                                                                            |
| 19                                      | ODISHA                                                                          | 8,43,764.00                                                                     | 48.86                                                                           | 9,71,945.49                                                                     | 47.92                                                                           | 10,31,843.99                                                                    | 48.52                                                                           |
| 20                                      | WEST BENGAL                                                                     | 11,55,822.00                                                                    | 30.99                                                                           | 10,90,042.51                                                                    | 27.90                                                                           | 3,47,417.63                                                                     | 9.96                                                                            |
|                                         | Eastern Region Total                                                            | 20,37,241.00                                                                    | 25.46                                                                           | 21,11,622.14                                                                    | 20.37                                                                           | 14,17,621.46                                                                    | 16.32                                                                           |
| 21                                      | CHHATTISGARH                                                                    | 2,98,529.00                                                                     | 37.92                                                                           | 3,21,662.26                                                                     | 41.91                                                                           | 3,31,845.85                                                                     | 27.12                                                                           |
| 22                                      | MADHYA PRADESH                                                                  | 13,28,840.00                                                                    | 28.24                                                                           | 13,51,694.14                                                                    | 25.94                                                                           | 11,87,786.06                                                                    | 21.15                                                                           |
| 23                                      | UTTARAKHAND                                                                     | 1,14,158.00                                                                     | 20.43                                                                           | 1,17,080.30                                                                     | 19.95                                                                           | 56,235.84                                                                       | 8.64                                                                            |
| 24                                      | UTTAR PRADESH                                                                   | 7,04,270.00                                                                     | 9.70                                                                            | 7,92,968.62                                                                     | 9.05                                                                            | 6,46,630.72                                                                     | 7.93                                                                            |
|                                         | Central Region Total                                                            | 24,45,797.00                                                                    | 18.37                                                                           | 25,83,405.32                                                                    | 16.85                                                                           | 22,22,498.47                                                                    | 14.20                                                                           |
| 25                                      | GOA                                                                             | 7,318.00                                                                        | 9.41                                                                            | 4,433.91                                                                        | 7.82                                                                            | 3,751.40                                                                        | 3.71                                                                            |
| 26                                      | GUJARAT                                                                         | 10,39,933.00                                                                    | 26.44                                                                           | 12,19,769.29                                                                    | 27.37                                                                           | 12,91,123.61                                                                    | 23.79                                                                           |
| 27                                      | MAHARASHTRA                                                                     | 16,35,837.00                                                                    | 24.48                                                                           | 17,13,783.97                                                                    | 27.30                                                                           | 17,11,569.74                                                                    | 21.03                                                                           |
| 28                                      | D & N HAVELI UT                                                                 | -                                                                               | -                                                                               | -                                                                               | -                                                                               | 158.00                                                                          | 1.97                                                                            |
| 29                                      | DAMAN & DIU UT                                                                  | -                                                                               | -                                                                               | -                                                                               | -                                                                               | -                                                                               | -                                                                               |
|                                         | Western Region Total                                                            | 26,83,088.00                                                                    | 25.08                                                                           | 29,37,987.17                                                                    | 27.22                                                                           | 30,06,602.75                                                                    | 21.98                                                                           |
| 30                                      | ANDHRA PRADESH                                                                  | 4,05,267.00                                                                     | 7.51                                                                            | 8,13,186.19                                                                     | 10.97                                                                           | 9,62,034.26                                                                     | 10.36                                                                           |
| 31                                      | TELANGANA                                                                       | 3,37,200.00                                                                     | 11.05                                                                           | 5,79,970.45                                                                     | 17.40                                                                           | 5,93,381.17                                                                     | 8.74                                                                            |
| 32                                      | KARNATAKA                                                                       | 9,90,236.00                                                                     | 16.44                                                                           | 10,66,881.35                                                                    | 12.58                                                                           | 11,91,670.75                                                                    | 15.26                                                                           |
| 33                                      | KERALA                                                                          | 2,82,670.00                                                                     | 4.94                                                                            | 3,54,107.06                                                                     | 8.16                                                                            | 4,29,046.62                                                                     | 6.33                                                                            |
| 34 35                                   | PUDUCHERRY                                                                      | 1,035.00                                                                        | 0.06                                                                            | 965.58                                                                          | 0.89                                                                            | 306.92                                                                          | 0.06                                                                            |
| 36                                      | TAMILNADU LAKSHADWEEP                                                           | 5,57,880.00 -                                                                   | 5.57 -                                                                          | 6,15,866.26 -                                                                   | 6.76 -                                                                          | 5,41,065.48 -                                                                   | 4.09 -                                                                          |
|                                         | UT Southern Region Total                                                        | 25,74,288.00                                                                    | 8.09                                                                            | 34,30,976.89                                                                    | 10.46                                                                           | 37,17,505.20                                                                    | 8.37                                                                            |
|                                         | GRAND TOTAL                                                                     | 138,46,950.00                                                                   | 16.38                                                                           | 153,29,498.40                                                                   | 16.74                                                                           | 142,75,829.99                                                                   | 13.40                                                                           |

Source: NABARD NABARD