Lok Sabha Question No. 1291 (UNSTARRED), answered on 2017-12-22
Subject: NPAs and DRTs
Ministry: FINANCE
Asked by: BIDYUT BARAN MAHATO, VIJAY KUMAR S.R., T. RADHAKRISHNAN, NARANBHAI KACHHADIA, RAMACHANDRAN MULLAPPALLY, BHARATENDRA SINGH, RANJEET RANJAN, SUDHEER GUPTA, GAJANAN CHANDRAKANT KIRTIKAR, KUNWAR HARIBANSH SINGH

## GOVERNMENT  OF INDIA

## MINISTRY OF FINANCE DEPARTMENT  OF FINANCIAL SERVICES LOK SABHA

TO BE ANSWERED  ON THE 22nd  DECEMBER,  2017/PAUSHA  1, 1939 (SAKA)

UNSTARRED  QUESTION  NO: 1291

## QUESTION

## NPAs AND DRTs

1291:     SHRI BIDYUT  BARAN MAHATO:

SHRI S.R.  VIJAYAKUMAR:

SHRI T.  RADHAKRISHNAN:

SHRI NARANBHAI  KACHHADIYA:

SHRI MULLAPPALLY RAMACHANDRAN:

KUNWAR BHARATENDRA:

SHRIMATI RANJEET RANJAN:

SHRI SUDHEER GUPTA:

SHRI GAJANAN  KIRTIKAR:

KUNWAR HARIBANSH SINGH

:

## Will  the Minister  of FINANCE  be pleased to state:

- (a) the details  of Non-Performing  Assets (NPAs)  of public  and private  sector banks  as on date, bankwise;
- (c) if so, the details  thereof  and the reasons therefor  along  with  the steps taken  for recovery  of NPAs;
- (b) whether  Public  Sector  Banks (PSBs) are increasingly getting  plagued  with  plethora  of problems  due to NPAs compare  to Private  Sector Banks and leading  corporate  houses/companies  account  for 80 per cent of NPAs;
- (d) whether  the Government  has fixed the responsibility of  officials   of  such PSBs over huge NPAs and if so, the details  thereof  along  with  the authority  responsible/accountable for NPAs  of private banks;
- (f) the  steps  taken/being   taken   by   the  Government   to  set  up more DRTs   and  allowing   them   to function  effectively  and strengthening  them and also for improved  functioning  of the banks?
- (e) whether   the  Government   has taken   cognizance   that   Debt  Recovery   Tribunals  (DRTs)   are also inadequate  and ill-equipped  to deal with  loan  defaulters,  if so, the details  thereof  and the reasons therefor;  and

## ANSWER To be answered by

THE MINISTER  OF STATE  IN THE MINISTRY OF FINANCE

## (SHIV PRATAP  SHUKLA)

- (a)   As per Reserve  Bank of India's  data,  Gross Non-performing Assets of public  and private  sector banks,  are at  Annexure.
- (b) and (c):   As per Reserve  Bank of India's  data,  Gross Non-performing Assets (GNPAs)  of public and private  sector banks  as on 30.9.2017  were  Rs. 7,33,974  crore  and Rs. 1,02,808  crore  respectively. As on  30.9.2017, leading   corporate   houses/companies   accounted   for  approximately 77%  of  the  total GNPA from domestic  operations,  for Scheduled  Commercial Banks. Reserve   Bank of  India  (RBI)  has introduced   Scheme  for  Sustainable   Structuring of  Stressed  Assets, debt, issued guidelines  on Joint  Lenders'  Forum  for resolution,  and issued Corrective  Action  Plan  for rectification,

Strategic  Debt Restructuring Scheme,  Flexible  Structuring  (5/25) schemes for restructuring recovery  and restructuring processes, to address stress because of Non-performing Assets.

- (d)   In case of accounts  categorised  as Non-performing Assets,   public   sector   banks   carry  out   a staff accountability exercise  as prescribed  in Central  Vigilance  Commission  manual  and action  is taken  as per applicable  regulations/provisions.
- (e) and (f): Government  considered  the need for more   Debt Recovery  Tribunals  (DRTs)  and expanded the network  of 33 DRTs  in 2016-17 to 39 DRTs  to reduce pendency  of cases and expedite  disposal. DRTs are provided  appropriate  infrastructure and equipment  to deal with  debt recovery  cases.

To make DRTs more effective and to facilitate  fast disposal  of debt recovery  cases, amendments  have been  made to  the  Recovery   of  Debts  Due  to  Banks  and  Financial   Institutions   Act,   1993  and  The Securitisation and Reconstruction  of Security  of Financial  Assets and Enforcement  of Security  Interest Act, 2002,  through the Enforcement   of  Security Interest   and  Recovery   of  Debts  Laws  and Miscellaneous  Provisions  (Amendment)  Act,  2016.

**********

## Lok Sabha Unstarred  Question  no. 1291  for,  22.12.2017

## Annexure

Public and Private  Sector Banks as on 30.9.2017

## Gross Non-performing  Assets (NPAs) of

Amount in crore  Rupees

|   Sr.No. | Public Sector Bank      | GrossNPA   |
|----------|-------------------------|------------|
|        1 | AllahabadBank           | 21,454     |
|        2 | Andhra Bank             | 19,839     |
|        3 | Bank ofBaroda           | 46,307     |
|        4 | Bank ofIndia            | 49,307     |
|        5 | Bank ofMaharashtra      | 17,239     |
|        6 | CanaraBank              | 39,164     |
|        7 | CentralBank ofIndia     | 31,641     |
|        8 | Corporation Bank        | 20,685     |
|        9 | DenaBank                | 13,201     |
|       10 | IDBI Bank Limited       | 51,368     |
|       11 | IndianBank              | 9,624      |
|       12 | IndianOverseasBank      | 34,709     |
|       13 | OrientalBankof Commerce | 26,432     |
|       14 | Punjab&SindBank         | 6,822      |
|       15 | PunjabNationalBank      | 57,630     |
|       16 | SyndicateBank           | 20,177     |

Source: Reserve Bank of India

| 17   | UCOBank                     | 24,435   |
|------|-----------------------------|----------|
| 18   | UnionBank ofIndia           | 38,286   |
| 19   | UnitedBank ofIndia          | 12,893   |
| 20   | VijayaBank                  | 6,649    |
| 21   | StateBank ofIndia           | 1,86,115 |
|      | PrivateSector Banks         |          |
| 1    | AxisBank Ltd.               | 22,136   |
| 2    | BandhanBank Ltd.            | 279      |
| 3    | DCBBank Ltd                 | 316      |
| 4    | HDFCBank Ltd.               | 7,644    |
| 5    | ICICIBankLtd.               | 44,237   |
| 6    | IDFCBank Limited            | 2,002    |
| 7    | IndusIndBank Ltd.           | 1,345    |
| 8    | KotakMahindraBank Ltd.      | 3,814    |
| 9    | Yes Bank Ltd                | 2,720    |
| 10   | CatholicSyrianBank Ltd.     | 621      |
| 11   | CityUnionBank Ltd.          | 780      |
| 12   | FederalBank Ltd.            | 1,949    |
| 13   | Jammu&KashmirBank Ltd.      | 5,983    |
| 14   | Karnataka Bank Ltd.         | 1,716    |
| 15   | KarurVysya Bank Ltd.        | 2,136    |
| 16   | LakshmiVilas Bank Ltd.      | 1,278    |
| 17   | NainitalBankLtd.            | 177      |
| 18   | RatnakarBank Ltd.           | 487      |
| 19   | SouthIndianBank Ltd.        | 1,766    |
| 20   | TamilnadMercantileBank Ltd. | 1,033    |
| 21   | DhanlaxmiBank Limited       | 389      |