Lok Sabha Question No. 3931 (UNSTARRED), answered on 2018-08-10
Subject: Education Loan
Ministry: FINANCE
Asked by: SHOBHA KARANDLAJE

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

UNSTARRED QUESTION NO. 3931

## TO BE ANSWERED ON THE 10 th    AUGUST, 2018, SHRAVANA 19, 1940 (SAKA) Education Loan

## 3931. KUMARI SHOBHA KARANDLAJE:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Public Sector Banks (PSBs) account for almost 95 per cent of the total bank lending to the education loan sector and if so, the details thereof;
- (b) whether the PSBs have seen a 142 per cent rise in default by students who have taken education loans during the past few years, if so, the details thereof and the reasons therefor;
- (c) the rate of interest being charged by different PSBs on education loans and the conditions laid down for repayment of such loans, bank-wise;
- (d) whether  the  Student  Financial  Aid  Authority  was  set  up  to  administer  and monitor scholarships and loan schemes through the Pradhan Mantri Vidya Lakshmi Karyakram, if so, the details thereof;
- (e) the total education loans disbursed by the PSBs during the last three years and the current year, Bank, State/UT-wise; and
- (f) whether  the  students  face  hardships  in  obtaining  loans  to  pursue  the  higher studies and if so, the reasons therefor?

## ANSWER (MINISTER OF STATE IN THE MINISTRY OF FINANCE) (SHRI SHIV PRATAP SHUKLA)

- (a) As  per  the  data  furnished  by  Reserve  Bank  of  India,  Public  Sector  Banks' (PSBs)  share  in  total  lending  by  Scheduled  Commercial  Banks  to  the  education sector is 91.42%,
- (b) The details of Non-Performing Assets (NPAs) of PSBs in education loans during the last three years is given below:

Amount in Rs Crore

|   Year (As on 31 st March of) |   Outstanding |     NPA |   %age of NPA to outstanding |
|-------------------------------|---------------|---------|------------------------------|
|                          2016 |       65454.4 | 4777.07 |                         7.3  |
|                          2017 |       67678.5 | 5191.72 |                         7.67 |
|                          2018 |       71724.6 | 6434.62 |                         8.97 |

Source: Indian Banks' Association (IBA)

There is only a marginal rise in NPA over the years.

(c) Interest charged by the PSBs on education loans ranges from 8.60 to 11.50% per annum depending upon the MCLR (Marginal Cost of Lending Rate) of the respective Bank and size of the loan. Bank-wise rate of interest of PSBs is given at Annexure-I.

All banks follow the Indian Banks' Association (IBA) Model Education Loan Scheme which provides for repayment period upto 15 years besides (i) one year moratorium for  repayment  after  completion  of  studies  in  all  cases,  (ii)  moratorium  taking  into account spells  of  unemployment/under-employment, say two or three times during the life cycle of the loan, (iii) moratorium for the incubation period if the student wants to take up a start-up venture after graduation, etc.

(d)  In  order  to  facilitate  easy  processing  and  disbursal  of  loans,  Government  has launched  a  web-based  portal  namely,  Vidya  Lakshmi  Portal.  Students  can  view, apply  and  track  the  education  loan  applications  online  anytime,  anywhere  by accessing the portal.

(e) Bank-wise/ State-wise education loan disbursed by the PSBs during the financial years 2015-16, 2016-17 and 2017-18 is at Annexure-II and Annexure-III respectively.

(f) All banks follow IBA Model Education Loan Scheme and grant education loan as per instructions issued by the Government/RBI/IBA. Complaints regarding education loans, as and when received by the Government, are taken up with banks concerned for corrective action.

******

| Annexure-I to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-I to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-I to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-I to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-I to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   |
|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|
| Bank-wise Rate of Interest on Education Loans as on 31st March, 2018                                                    | Bank-wise Rate of Interest on Education Loans as on 31st March, 2018                                                    | Bank-wise Rate of Interest on Education Loans as on 31st March, 2018                                                    | Bank-wise Rate of Interest on Education Loans as on 31st March, 2018                                                    | Bank-wise Rate of Interest on Education Loans as on 31st March, 2018                                                    |
|                                                                                                                         | Name of the Bank                                                                                                        | Int.                                                                                                                    | Rate (in %)                                                                                                             |                                                                                                                         |
|                                                                                                                         |                                                                                                                         | Upto ₹ 4 lac                                                                                                            | Above ₹ 4 lac &upto ₹ 7.5 lac                                                                                           | Above ₹ 7.5 lac                                                                                                         |
|                                                                                                                         |                                                                                                                         | %                                                                                                                       | %                                                                                                                       | %                                                                                                                       |
|                                                                                                                         |                                                                                                                         | 33                                                                                                                      | 34                                                                                                                      | 35                                                                                                                      |
| 1                                                                                                                       | Allahabad Bank                                                                                                          | 8.60 - 10.25                                                                                                            | 8.60 - 10.25                                                                                                            | 8.60 - 10.25                                                                                                            |
| 2                                                                                                                       | Andhra Bank                                                                                                             | 10.40                                                                                                                   | 10.40                                                                                                                   | 10.10                                                                                                                   |
| 3                                                                                                                       | Bank of Baroda (PROVISIONAL)                                                                                            | Minimum ROI: MCLR i.e. 8.3%, Maximum ROI : Premium+2.5% i.e. 11.05%                                                     |                                                                                                                         | MCLR+Strategic                                                                                                          |
| 4                                                                                                                       | Bank of India                                                                                                           | 10.00                                                                                                                   | 10.00                                                                                                                   | 10.80                                                                                                                   |
| 5                                                                                                                       | Bank of Maharashtra                                                                                                     | 10.65%                                                                                                                  | 10.65%                                                                                                                  | 10.15%                                                                                                                  |
| 6                                                                                                                       | Canara Bank                                                                                                             | 10.45                                                                                                                   | 10.45                                                                                                                   | 9.95                                                                                                                    |
| 7                                                                                                                       | Central Bank of India                                                                                                   | MCLR(8.30)+2                                                                                                            | MCLR(8.30)+2                                                                                                            | Concession of 0.50% in Intrest rate is applicable for Female/SC/ST/IIT students/skill loans                             |
| 8                                                                                                                       | Corporation Bank                                                                                                        | 10.75                                                                                                                   | 10.75                                                                                                                   | 11.10                                                                                                                   |
| 9                                                                                                                       | Dena Bank                                                                                                               | 9.90                                                                                                                    | 9.90                                                                                                                    | 9.90                                                                                                                    |
| 10                                                                                                                      | IDBI Bank                                                                                                               | 9.40% (1Y MCLR+0.85%)                                                                                                   | 9.40% (1Y MCLR+0.85%)                                                                                                   | 9.40% (1Y MCLR+0.85%)                                                                                                   |
| 11                                                                                                                      | Indian Bank                                                                                                             | 8.40 to 11.30%                                                                                                          | 8.40 to 11.30%                                                                                                          | 8.40 to 11.30%                                                                                                          |
| 12                                                                                                                      | Indian Overseas Bank                                                                                                    | 10.50                                                                                                                   | 10.50                                                                                                                   | 11.50                                                                                                                   |
| 13                                                                                                                      | Oriental Bank of Commerce                                                                                               | 10.85                                                                                                                   | 10.10                                                                                                                   | 10.10                                                                                                                   |
| 14                                                                                                                      | Punjab &Sind Bank                                                                                                       | 1 Year MCLR + 2.00%                                                                                                     | 1 Year MCLR + 2.00%                                                                                                     | 1 Year MCLR + 1.50%                                                                                                     |
| 15                                                                                                                      | Punjab National Bank                                                                                                    | 10.30                                                                                                                   | 10.30                                                                                                                   | 10.90                                                                                                                   |
| 16                                                                                                                      | State Bank of India                                                                                                     | 10.15%                                                                                                                  | 10.15%                                                                                                                  | 10.90%                                                                                                                  |
| 17                                                                                                                      | Syndicate Bank                                                                                                          | MCLR+1.60                                                                                                               | MCLR+1.85                                                                                                               | MC;LR+2.85                                                                                                              |
| 18                                                                                                                      | UCO Bank                                                                                                                | 10.45                                                                                                                   | 10.45                                                                                                                   | 10.85                                                                                                                   |
| 19                                                                                                                      | Union Bank of India                                                                                                     | 10.20% *                                                                                                                | 10.20% *                                                                                                                | Male-10.20% , Female- 9.70%                                                                                             |
| 20                                                                                                                      | United Bank of India                                                                                                    | 10.80% Floating                                                                                                         | 10.80% Floating                                                                                                         | 10.75% Floating                                                                                                         |
| 21                                                                                                                      | Vijaya Bank (PRE AUDIT)                                                                                                 | 10.65                                                                                                                   | 10.65                                                                                                                   | 10.50                                                                                                                   |
| Total                                                                                                                   | Total                                                                                                                   | Total                                                                                                                   | Total                                                                                                                   | Total                                                                                                                   |

Source: IBA

## Annexure-II to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan

| Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   | Bank-wise number of education loan accounts and amount of loan disbursed   |
|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|
|                                                                            | (No. of Accounts in acutal and amount in Rs. crore)                        | (No. of Accounts in acutal and amount in Rs. crore)                        | (No. of Accounts in acutal and amount in Rs. crore)                        | (No. of Accounts in acutal and amount in Rs. crore)                        | (No. of Accounts in acutal and amount in Rs. crore)                        | (No. of Accounts in acutal and amount in Rs. crore)                        |
| Banks                                                                      | 2015-16                                                                    | 2015-16                                                                    | 2016-17                                                                    | 2016-17                                                                    | 2017-18                                                                    | 2017-18                                                                    |
|                                                                            | No. of Accounts                                                            | Amount Disbursed                                                           | No. of Accounts                                                            | Amount Disbursed                                                           | No. of Accounts                                                            | Amount Disbursed                                                           |
| State Bank of Bikaner & Jaipur                                             | 7333                                                                       | 77.64                                                                      | 4263                                                                       | 69.50                                                                      | 0                                                                          | 0.00                                                                       |
| State Bank of Hyderabad                                                    | 5186                                                                       | 183.57                                                                     | 3578                                                                       | 125.39                                                                     | 0                                                                          | 0.00                                                                       |
| State Bank of India                                                        | 79264                                                                      | 3249.00                                                                    | 62461                                                                      | 1376.77                                                                    | 320695                                                                     | 4146.58                                                                    |
| State Bank of Mysore                                                       | 8571                                                                       | 136.23                                                                     | 7303                                                                       | 131.62                                                                     | 0                                                                          | 0.00                                                                       |
| State Bank of Patiala                                                      | 2096                                                                       | 69.60                                                                      | 1433                                                                       | 53.05                                                                      | 0                                                                          | 0.00                                                                       |
| State Bank of Travancore                                                   | 25663                                                                      | 129.33                                                                     | 5427                                                                       | 41.94                                                                      | 0                                                                          | 0.00                                                                       |
| Allahabad Bank                                                             | 13871                                                                      | 146.37                                                                     | 18403                                                                      | 225.60                                                                     | 14623                                                                      | 268.40                                                                     |
| Andhra Bank                                                                | 31170                                                                      | 872.01                                                                     | 23353                                                                      | 585.53                                                                     | 22296                                                                      | 610.80                                                                     |
| Bank of Baroda                                                             | 17744                                                                      | 233.49                                                                     | 23601                                                                      | 192.48                                                                     | 22171                                                                      | 534.96                                                                     |
| Bank of India                                                              | 44221                                                                      | 485.28                                                                     | 37899                                                                      | 449.50                                                                     | 35907                                                                      | 474.13                                                                     |
| Bank of Maharashtra                                                        | 11717                                                                      | 196.33                                                                     | 10763                                                                      | 214.37                                                                     | 11943                                                                      | 8.02                                                                       |
| BHARATIYA MAHILA BANK LTD.                                                 | 166                                                                        | 3.16                                                                       | 74                                                                         | 1.84                                                                       | 0                                                                          | 0.00                                                                       |
| Canara Bank                                                                | 113623                                                                     | 1330.51                                                                    | 109571                                                                     | 1903.06                                                                    | 98400                                                                      | 1951.97                                                                    |
| Central Bank of India                                                      | 44082                                                                      | 656.84                                                                     | 38904                                                                      | 513.62                                                                     | 34119                                                                      | 676.21                                                                     |
| Corporation Bank                                                           | 8659                                                                       | 223.39                                                                     | 29264                                                                      | 874.59                                                                     | 27667                                                                      | 527.49                                                                     |
| Dena Bank                                                                  | 2652                                                                       | 101.33                                                                     | 1643                                                                       | 82.58                                                                      | 372                                                                        | 14.23                                                                      |
| IDBI Bank Ltd.                                                             | 10803                                                                      | 299.48                                                                     | 10534                                                                      | 281.25                                                                     | 9705                                                                       | 260.48                                                                     |
| Indian Bank                                                                | 34130                                                                      | 292.18                                                                     | 27641                                                                      | 407.53                                                                     | 26169                                                                      | 530.12                                                                     |
| Indian Overseas Bank                                                       | 16184                                                                      | 579.02                                                                     | 10613                                                                      | 373.28                                                                     | 10034                                                                      | 430.64                                                                     |
| Oriental Bank of Commerce                                                  | 18089                                                                      | 530.17                                                                     | 10804                                                                      | 245.99                                                                     | 13085                                                                      | 214.98                                                                     |
| Punjab and Sind Bank                                                       | 1503                                                                       | 116.75                                                                     | 1146                                                                       | 99.30                                                                      | 1252                                                                       | 106.76                                                                     |
| Punjab National Bank                                                       | 43092                                                                      | 701.31                                                                     | 42939                                                                      | 915.65                                                                     | 45476                                                                      | 1227.18                                                                    |
| Syndicate Bank                                                             | 39088                                                                      | 663.91                                                                     | 37787                                                                      | 568.32                                                                     | 35619                                                                      | 549.37                                                                     |
| UCO Bank                                                                   | 16462                                                                      | 245.74                                                                     | 15172                                                                      | 318.22                                                                     | 14255                                                                      | 226.53                                                                     |
| Union Bank of India                                                        | 57338                                                                      | 548.22                                                                     | 31306                                                                      | 548.99                                                                     | 13104                                                                      | 237.08                                                                     |
| United Bank of India                                                       | 7044                                                                       | 89.74                                                                      | 7569                                                                       | 104.63                                                                     | 3349                                                                       | 65.23                                                                      |
| Vijaya Bank                                                                | 25085                                                                      | 434.78                                                                     | 26278                                                                      | 471.31                                                                     | 26071                                                                      | 409.32                                                                     |
| Total                                                                      | 684836                                                                     | 12595.39                                                                   | 599729                                                                     | 11175.91                                                                   | 786312                                                                     | 13470.47                                                                   |

| Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   | Annexure-III to reply of Lok Sabha Unstarred Question No. 3931 for answer on 10th August, 2018 regarding education loan   |
|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|
| State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 | State-wise number of education loan accounts and amount of loan disbursed                                                 |
|                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           | (No. of A/c in actuals; Amount disbursed in Rs. Crore)                                                                    |                                                                                                                           |                                                                                                                           |
| Sr                                                                                                                        |                                                                                                                           | 2015-16                                                                                                                   | 2015-16                                                                                                                   | 2016-17                                                                                                                   | 2016-17                                                                                                                   | 2017-18                                                                                                                   | 2017-18                                                                                                                   |
| No.                                                                                                                       | State                                                                                                                     | No. of Accounts                                                                                                           | Amount                                                                                                                    | No. of Accounts                                                                                                           | Amount Disbursed                                                                                                          | No. of Accounts                                                                                                           | Amount Disbursed                                                                                                          |
|                                                                                                                           |                                                                                                                           |                                                                                                                           | Disbursed                                                                                                                 |                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           |
| 1                                                                                                                         | Andamans & Nicobar Islands                                                                                                | 93                                                                                                                        | 2.71                                                                                                                      | 88                                                                                                                        | 2.09                                                                                                                      | 174                                                                                                                       | 2.61                                                                                                                      |
| 2                                                                                                                         | Andhra Pradesh                                                                                                            | 41133                                                                                                                     | 1253.51                                                                                                                   | 36807                                                                                                                     | 970.39                                                                                                                    | 48736                                                                                                                     | 1123.51                                                                                                                   |
| 3                                                                                                                         | Arunachal Pradesh                                                                                                         | 123                                                                                                                       | 3.03                                                                                                                      | 104                                                                                                                       | 1.34                                                                                                                      | 257                                                                                                                       | 2.59                                                                                                                      |
| 4                                                                                                                         | Assam                                                                                                                     | 3996                                                                                                                      | 69.78                                                                                                                     | 3406                                                                                                                      | 54.53                                                                                                                     | 6563                                                                                                                      | 98.94                                                                                                                     |
| 5                                                                                                                         | Bihar                                                                                                                     | 24319                                                                                                                     | 279.60                                                                                                                    | 20518                                                                                                                     | 262.20                                                                                                                    | 39284                                                                                                                     | 412.14                                                                                                                    |
| 6                                                                                                                         | Chandigarh                                                                                                                | 1401                                                                                                                      | 73.93                                                                                                                     | 1469                                                                                                                      | 59.08                                                                                                                     | 1698                                                                                                                      | 63.36                                                                                                                     |
| 7                                                                                                                         | Chattisgarh                                                                                                               | 5900                                                                                                                      | 87.58                                                                                                                     | 5603                                                                                                                      | 83.70                                                                                                                     | 9451                                                                                                                      | 137.68                                                                                                                    |
| 8                                                                                                                         | Dadra & Nagar Haveli                                                                                                      | 48                                                                                                                        | 0.94                                                                                                                      | 28                                                                                                                        | 0.91                                                                                                                      | 80                                                                                                                        | 1.87                                                                                                                      |
| 9                                                                                                                         | Daman & Diu                                                                                                               | 63                                                                                                                        | 1.65                                                                                                                      | 72                                                                                                                        | 2.07                                                                                                                      | 66                                                                                                                        | 1.73                                                                                                                      |
| 10                                                                                                                        | Delhi                                                                                                                     | 11883                                                                                                                     | 379.48                                                                                                                    | 11765                                                                                                                     | 465.91                                                                                                                    | 14938                                                                                                                     | 514.99                                                                                                                    |
| 11                                                                                                                        | Goa                                                                                                                       | 891                                                                                                                       | 27.43                                                                                                                     | 1328                                                                                                                      | 24.32                                                                                                                     | 2349                                                                                                                      | 54.05                                                                                                                     |
| 12                                                                                                                        | Gujarat                                                                                                                   | 13643                                                                                                                     | 334.86                                                                                                                    | 12600                                                                                                                     | 312.56                                                                                                                    | 20690                                                                                                                     | 604.03                                                                                                                    |
| 13                                                                                                                        | Haryana                                                                                                                   | 9846                                                                                                                      | 295.55                                                                                                                    | 8856                                                                                                                      | 255.53                                                                                                                    | 11574                                                                                                                     | 324.24                                                                                                                    |
| 14                                                                                                                        | Himachal Pradesh                                                                                                          | 4360                                                                                                                      | 69.19                                                                                                                     | 4195                                                                                                                      | 61.68                                                                                                                     | 5688                                                                                                                      | 81.62                                                                                                                     |
| 15                                                                                                                        | Jammu & Kashmir                                                                                                           | 787                                                                                                                       | 20.16                                                                                                                     | 702                                                                                                                       | 14.94                                                                                                                     | 1504                                                                                                                      | 31.39                                                                                                                     |
| 16                                                                                                                        | Jharkhand                                                                                                                 | 11155                                                                                                                     | 179.18                                                                                                                    | 9984                                                                                                                      | 151.40                                                                                                                    | 18662                                                                                                                     | 313.31                                                                                                                    |
| 17                                                                                                                        | Karnataka                                                                                                                 | 72111                                                                                                                     | 1380.01                                                                                                                   | 77660                                                                                                                     | 1652.48                                                                                                                   | 90630                                                                                                                     | 1655.79                                                                                                                   |
| 18                                                                                                                        | Kerala                                                                                                                    | 90298                                                                                                                     | 964.85                                                                                                                    | 65849                                                                                                                     | 879.67                                                                                                                    | 99314                                                                                                                     | 1169.04                                                                                                                   |
| 19                                                                                                                        | Lakshadweep                                                                                                               | 11                                                                                                                        | 0.17                                                                                                                      | 9                                                                                                                         | 0.13                                                                                                                      | 588                                                                                                                       | 8.29                                                                                                                      |
| 20                                                                                                                        | Madhya Pradesh                                                                                                            | 21839                                                                                                                     | 686.91                                                                                                                    | 19073                                                                                                                     | 296.93                                                                                                                    | 30759                                                                                                                     | 479.13                                                                                                                    |
| 21                                                                                                                        | Maharashtra                                                                                                               | 64496                                                                                                                     | 1370.23                                                                                                                   | 57262                                                                                                                     | 1208.14                                                                                                                   | 76854                                                                                                                     | 1473.33                                                                                                                   |
| 22                                                                                                                        | Manipur                                                                                                                   | 244                                                                                                                       | 5.82                                                                                                                      | 221                                                                                                                       | 4.73                                                                                                                      | 402                                                                                                                       | 8.00                                                                                                                      |
| 23                                                                                                                        | Meghalaya                                                                                                                 | 445                                                                                                                       | 8.79                                                                                                                      | 488                                                                                                                       | 10.37                                                                                                                     | 1551                                                                                                                      | 24.53                                                                                                                     |
| 24                                                                                                                        | Mizoram                                                                                                                   | 152                                                                                                                       | 3.92                                                                                                                      | 80                                                                                                                        | 1.25                                                                                                                      | 180                                                                                                                       | 1.49                                                                                                                      |
| 25                                                                                                                        | Nagaland                                                                                                                  | 85                                                                                                                        | 1.77                                                                                                                      | 72                                                                                                                        | 1.34                                                                                                                      | 1241                                                                                                                      | 24.71                                                                                                                     |
| 26                                                                                                                        | Orissa                                                                                                                    | 12973                                                                                                                     | 203.08                                                                                                                    | 13017                                                                                                                     | 183.74                                                                                                                    | 21147                                                                                                                     | 275.82                                                                                                                    |
| 27                                                                                                                        | Puducherry                                                                                                                | 2372                                                                                                                      | 29.83                                                                                                                     | 1841                                                                                                                      | 28.52                                                                                                                     | 3473                                                                                                                      | 47.22                                                                                                                     |
| 28                                                                                                                        | Punjab                                                                                                                    | 10493                                                                                                                     | 374.04                                                                                                                    | 9777                                                                                                                      | 378.20                                                                                                                    | 14279                                                                                                                     | 456.29 366.14                                                                                                             |
| 29                                                                                                                        | Rajasthan                                                                                                                 | 18066                                                                                                                     | 352.71                                                                                                                    | 14557                                                                                                                     | 257.06                                                                                                                    | 20425                                                                                                                     |                                                                                                                           |
| 30 31                                                                                                                     | Sikkim Tamil Nadu                                                                                                         | 173 171397                                                                                                                | 4.08 1863.84                                                                                                              | 174 136858                                                                                                                | 2.97 1537.40                                                                                                              | 1791 152608                                                                                                               | 61.02 1659.79                                                                                                             |
| 32                                                                                                                        | Telangana                                                                                                                 | 28426                                                                                                                     | 1142.48                                                                                                                   | 22889                                                                                                                     | 832.93                                                                                                                    | 30364                                                                                                                     | 917.06                                                                                                                    |
| 33                                                                                                                        | Tripura                                                                                                                   | 1330                                                                                                                      | 18.39                                                                                                                     | 1206                                                                                                                      | 12.07                                                                                                                     | 1725                                                                                                                      | 16.35                                                                                                                     |
| 34                                                                                                                        | Uttarakhand                                                                                                               | 10219                                                                                                                     | 174.65                                                                                                                    | 5224                                                                                                                      | 100.64                                                                                                                    | 18402                                                                                                                     | 352.66                                                                                                                    |
|                                                                                                                           | Uttar Pradesh                                                                                                             | 31364                                                                                                                     | 587.29                                                                                                                    | 35256                                                                                                                     | 564.71                                                                                                                    | 30402                                                                                                                     | 542.91                                                                                                                    |
| 35                                                                                                                        |                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           |                                                                                                                           | 162.84                                                                                                                    |
| 36                                                                                                                        | West Bengal                                                                                                               | 18701                                                                                                                     | 343.95                                                                                                                    | 20691                                                                                                                     | 500.01                                                                                                                    | 8463                                                                                                                      | 13470.47                                                                                                                  |
|                                                                                                                           | Total                                                                                                                     | 684836                                                                                                                    | 12595.39                                                                                                                  | 599729                                                                                                                    | 11175.91                                                                                                                  | 786312                                                                                                                    |                                                                                                                           |

Source: RBI