Lok Sabha Question No. 2314 (UNSTARRED), answered on 2019-12-03
Subject: Loan to Farmers
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ashok Kumar Rawat

O.I.H

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE, COOPERATION AND FARMERS WELFARE

## LOK  SABHA UNSTARRED QUESTION NO. 2314

TO BE ANSWERED ON THE 3 RD  DECEMBER, 2019

## LOAN TO FARMERS

## 2314. SHRI ASHOK KUMAR RAWAT:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान कयाण मंी be pleased to state:

(a) the number of marginal farmers given loan by the cooperative and regional rural banks for  installing  tubewells  especially  in  backward  and  rural  areas  during  the  last  three  years  till date, State and year-wise;

- (b) whether  the Government  has  received  any  complaints  regarding  irregularities in sanctioning of these loans during the said period;
- (c) if so, the details thereof; and
- (d) the efforts made/proposed to be made to check these irregularities?

## ANSWER

## MINISTER  OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण मंी (SHRI NARENDRA SINGH TOMAR)

(a): The data of number of farmers including small and marginal farmers given loan by the cooperative  and regional  rural  banks  for  installing  tubewells  especially  in  backward  and  rural areas is not maintained.  However, loan disbursement for crop loan to farmers and especially for small and marginal farmers by the cooperative and regional rural banks for the year 2018-19 is at Annexure-I and Annexure-II.

(b) to (d): Reserve Bank of India (RBI) has introduced Banking Ombudsman Scheme, 2006 with an object of enabling resolution of complaints relating to services rendered by banks and to facilitate the satisfaction or settlement or such complaints. Though 'irregularities in sanctioning of  these  loans'  is  not  a  ground  of  complaints  under  the  Banks  Ombudsman  Scheme,  2006, complaints pertaining to 'delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications' and 'non-observance of prescribed time schedule for disposal of loan applicants' and 'non-acceptance of application of loans without furnishing valid reasons to the applicant' are covered under the said Scheme. The total number of complaints received  under  the  said  ground  against  Cooperative  and  Regional  Rural  Banks  (in  loan  and advances excluding Housing) for the period from April, 2017 to November, 2019 is 422 out of which  400  complaints  are  against  regional  rural  banks  and  22  are  against  scheduled commercial banks.

## Disbursements of loan by Cooperative Banks (CBs) for 2018-2019

| Sr.No   | State/UT             |        Crop Loan |   Out of Crop Loan, loans to SF/MF |   Total Term Loan |   Out of Total Term Loan, loans to SF/MF | Total Loans to Agriculture   | Out of Total Agri Loan, loans to SF/MF   |
|---------|----------------------|------------------|------------------------------------|-------------------|------------------------------------------|------------------------------|------------------------------------------|
| 1       | DELHI                |    146.7         |                      146.7         |            233.38 |                                   180.78 | 380.08                       | 327.48                                   |
| 2       | HARYANA              |      1.03755e+06 |                   778716           |          11542.6  |                                  1391.84 | 1049089.03                   | 780108.34                                |
| 3       | HIMACHAL PRADESH     | 127122           |                   127122           |          37968.2  |                                 37968.2  | 165090.67                    | 165090.67                                |
| 4       | JAMMU and KASHMIR    |   1196.29        |                     1196.29        |           1391.45 |                                   834.56 | 2587.74                      | 2030.85                                  |
| 5       | PUNJAB               | 926242           |                   609558           |          28908.5  |                                 24383.9  | 955150.43                    | 633942.32                                |
| 6       | RAJASTHAN            |      1.23761e+06 |                   351360           |          52981.3  |                                369368    | 1290593.19                   | 720728.16                                |
| 7       | CHANDIGARH UT        |      0           |                        0           |              0    |                                     0    | 0.00                         | 0.00                                     |
|         | Northern Region      |      3.32987e+06 |                        1.8681e+06  |         133025    |                                434127    | 3462891.14                   | 2302227.82                               |
| 8       | ARUNACHAL PRADESH    |    123.03        |                      123.03        |            356.14 |                                   299.44 | 479.17                       | 422.47                                   |
| 9       | ASSAM                |    604.13        |                       64.75        |           1507.64 |                                  2047.02 | 2111.77                      | 2111.77                                  |
| 10      | MANIPUR              |    213.36        |                      179.35        |           3860.88 |                                  2955.58 | 4074.24                      | 3134.93                                  |
| 11      | MEGHALAYA            |   1035.24        |                     1035.24        |           1092.69 |                                     0    | 2127.93                      | 1035.24                                  |
| 12      | MIZORAM              |    364.93        |                      133.02        |           1089.57 |                                   261.1  | 1454.50                      | 394.12                                   |
| 13      | NAGALAND             |   1219.9         |                      549.14        |           2811.73 |                                  3482.49 | 4031.63                      | 4031.63                                  |
| 14      | SIKKIM               |    334.69        |                      334.69        |            140.92 |                                   107.68 | 475.61                       | 442.37                                   |
| 15      | TRIPURA              |   2725.67        |                     2725.67        |          20937.2  |                                 20937.2  | 23662.87                     | 23662.87                                 |
|         | North Eastern Region |   6620.95        |                     5144.89        |          31796.8  |                                 30090.5  | 38417.72                     | 35235.40                                 |
| 16      | A and N ISLAND       |    687.99        |                        0           |            643.98 |                                  1331.97 | 1331.97                      | 1331.97                                  |
| 17      | BIHAR                | 279986           |                   279942           |              0    |                                     0    | 279986.00                    | 279942.00                                |
| 18      | JHARKHAND            |    556.64        |                      556.64        |            115.27 |                                   115.27 | 671.91                       | 671.91                                   |
| 19      | ODISHA               |      1.28103e+06 |                        1.16416e+06 |          16127.6  |                                     0    | 1297160.69                   | 1164155.40                               |
| 20      | WEST BENGAL          | 369598           |                   367119           |          78476    |                                 73038.3  | 448073.79                    | 440157.76                                |
|         | Eastern Region       |      1.93186e+06 |                        1.81177e+06 |          95362.8  |                                 74485.5  | 2027224.36                   | 1886259.04                               |
| 21      | CHHATTISGARH         | 367605           |                   246128           |           2473.88 |                                   772.67 | 370078.92 1248823.18         | 246900.24                                |
| 22      | MADHYA PRADESH       |      1.24748e+06 |                   621091           |           1338.35 |                                     0    |                              | 621091.36                                |
| 23      | UTTARAKHAND          | 117384           |                    53058.6         |          11541.1  |                                     0    | 128925.34                    | 53058.59                                 |
| 24      | UTTAR PRADESH        | 516317           |                   368158           |          15174.5  |                                 13926.2  | 531491.56                    | 382083.90                                |
|         | Central Region       |      2.24879e+06 |                        1.28844e+06 |          30527.8  |                                 14698.9  | 2279319.00                   | 1303134.09                               |
| 25      | GOA                  |    405.23        |                      316.73        |           2897.24 |                                  2444.47 | 3302.47                      | 2761.20                                  |
| 26      | GUJARAT              |      1.19042e+06 |                   482155           |         176047    |                                 44661.5  | 1366466.77                   | 526816.46                                |
| 27      | MAHARASHTRA          |      1.17858e+06 |                   803640           |         114223    |                                 57800.2  | 1292799.12                   | 861440.39                                |
| 28      | D and N HAVELI UT    |      0           |                        0           |              0    |                                     0    | 0.00                         | 0.00                                     |
| 29      | DAMAN and DIU UT     |      0           |                        0           |              0    |                                     0    | 0.00                         | 0.00                                     |
|         | Western Region       |      2.3694e+06  |                        1.28611e+06 |         293167    |                                104906    | 2662568.36                   | 1391018.05                               |
| 30      | ANDHRA PRADESH       |      1.05517e+06 |                        1.03118e+06 |         101999    |                                108507    | 1157166.31                   | 1139682.70                               |
| 31      | TELANGANA            | 525681           |                   515109           |          35148.9  |                                 34917    | 560829.67                    | 550026.24                                |
| 32      | KARNATAKA            |      1.0586e+06  |                   727750           |          76454.9  |                                 37476.9  | 1135052.06                   | 765226.80                                |
| 33      | KERALA               | 372737           |                   253394           |          79299.3  |                                 58132    | 452036.52                    | 311526.08                                |
| 34      | PUDUCHERRY           |    795.12        |                      662.73        |              0    |                                     0    | 795.12                       | 662.73                                   |
| 35      | TAMILNADU            |      1.37543e+06 |                   942597           |          82286.6  |                                 57351.8  | 1457719.66                   | 999948.61                                |
| 36      | LAKSHADWEEP UT       |      0           |                        0           |              0    |                                     0    | 0.00                         | 0.00                                     |
|         | Southern Region      |      4.38841e+06 |                        3.47069e+06 |         375188    |                                296385    | 4763599.34                   | 3767073.16 10684947.56                   |
|         | Grand Total:         |      1.4275e+07  |                        9.73025e+06 |         959068    |                                954693    | 15234019.92                  |                                          |

CPD\_DISB.\_BANK-WISE\_STATE-WISE\_AS PER\_GLC-1 Generated on : 11/09/2019 12:51:32 PM

## Annexure-I

Disbursements of loan by Regional Rural Banks (RRB) for 2018-2019

| Sr. No.   | State/UT             |        Crop Loan |   Out of Crop Loan, loans to SF/MF |   Total Term Loan |   Out of Total Term Loan, loans to SF/MF |   Total Loans to Agriculture |   Amount in lakhs Out of Total Agri Loan, loans to SF/MF |
|-----------|----------------------|------------------|------------------------------------|-------------------|------------------------------------------|------------------------------|----------------------------------------------------------|
| 1         | DELHI                |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 2         | HARYANA              | 794267           |                   397466           |   33726           |                          30942           |             827993           |                                         428408           |
| 3         | HIMACHAL PRADESH     |  85673.3         |                    85673.3         |    3538.3         |                           3538.3         |              89211.6         |                                          89211.6         |
| 4         | JAMMU and KASHMIR    |  46688.1         |                    46688.1         |    2501.72        |                           2501.72        |              49189.8         |                                          49189.8         |
| 5         | PUNJAB               | 604689           |                   322602           |   42543.9         |                          20707.3         |             647233           |                                         343309           |
| 6         | RAJASTHAN            |      1.32503e+06 |                   564933           |  105182           |                          69850.9         |                  1.43021e+06 |                                         634784           |
| 7         | CHANDIGARH UT        |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
|           | Northern Region      |      2.85634e+06 |                        1.41736e+06 |  187492           |                         127540           |                  3.04384e+06 |                                              1.5449e+06  |
| 8         | ARUNACHAL PRADESH    |    376.83        |                      369.98        |     166.16        |                            173.01        |                542.99        |                                            542.99        |
| 9         | ASSAM                |   8691.8         |                     8691.8         |   15865.4         |                          13453.8         |              24557.2         |                                          22145.6         |
| 10        | MANIPUR              |   1187.56        |                     1187.56        |    1143.25        |                           1143.25        |               2330.81        |                                           2330.81        |
| 11        | MEGHALAYA            |   7669.84        |                     7669.84        |     271.72        |                            271.72        |               7941.56        |                                           7941.56        |
| 12        | MIZORAM              |    613.63        |                      613.63        |    9353.14        |                           9311.69        |               9966.77        |                                           9925.32        |
| 13        | NAGALAND             |     46.75        |                       46.75        |      42.49        |                             42.49        |                 89.24        |                                             89.24        |
| 14        | SIKKIM               |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 15        | TRIPURA              |   8083.65        |                     5681.53        |   62455.6         |                          40315.7         |              70539.3         |                                          45997.2         |
|           | North Eastern Region |  26670.1         |                    24261.1         |   89297.8         |                          64711.6         |             115968           |                                          88972.7         |
| 16        | A and N ISLAND       |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 17        | BIHAR                |      1.17354e+06 |                   945900           |  486849           |                         405690           |                  1.66039e+06 |                                              1.35159e+06 |
| 18        | JHARKHAND            |  51709.7         |                    50309.1         |     548.73        |                            499.28        |              52258.4         |                                          50808.4         |
| 19        | ODISHA               | 136488           |                   109076           |   29108.8         |                          23164.3         |             165597           |                                         132240           |
| 20        | WEST BENGAL          |  99171.5         |                    83560.3         |  345373           |                         293985           |             444544           |                                         377545           |
|           | Eastern Region       |      1.46091e+06 |                        1.18884e+06 |  861880           |                         723338           |                  2.32279e+06 |                                              1.91218e+06 |
| 21        | CHHATTISGARH         |  25966.4         |                    18436.1         |     218.47        |                            155.12        |              26184.9         |                                          18591.2         |
| 22        | MADHYA PRADESH       | 497006           |                   124161           |    7103.25        |                           2072.87        |             504109           |                                         126234           |
| 23        | UTTARAKHAND          | 127347           |                    96444.1         |    7022.44        |                           4452.96        |             134369           |                                         100897           |
| 24        | UTTAR PRADESH        |      2.49622e+06 |                        2.05379e+06 |   89759.1         |                          41456.3         |                  2.58598e+06 |                                              2.09524e+06 |
|           | Central Region       |      3.14654e+06 |                        2.29283e+06 |  104103           |                          48137.2         |                  3.25064e+06 |                                              2.34097e+06 |
| 25        | GOA                  |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 26        | GUJARAT              | 453220           |                   228260           |   18782.2         |                           6697.49        |             472002           |                                         234957           |
| 27        | MAHARASHTRA          | 171285           |                    92106.6         |   23361.1         |                          11319           |             194646           |                                         103426           |
| 28        | D and N HAVELI UT    |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 29        | DAMAN and DIU UT     |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
|           | Western Region       | 624505           |                   320366           |   42143.3         |                          18016.5         |             666648           |                                         338383           |
| 30        | ANDHRA PRADESH       |      1.24726e+06 |                   865413           |  566403           |                         385589           |                  1.81366e+06 |                                              1.251e+06   |
| 31        | TELANGANA            | 446524           |                   369352           |  188504           |                         160430           |             635028           |                                         529782           |
| 32        | KARNATAKA            | 528909           |                   291807           |  185805           |                          89871.7         |             714715           |                                         381679           |
| 33        | KERALA               |      1.24843e+06 |                   714318           |   18629           |                          11565.6         |                  1.26706e+06 |                                         725884           |
| 34        | PUDUCHERRY           |  58679.1         |                    34147.3         |    3025.28        |                            819.06        |              61704.4         |                                          34966.3         |
| 35        | TAMILNADU            | 920659           |                   621098           |  153984           |                         105045           |                  1.07464e+06 |                                         726143           |
|           | LAKSHADWEEP UT       |      0           |                        0           |       0           |                              0           |                  0           |                                              0           |
| 36        | Southern Region      |      4.45046e+06 |                        2.89614e+06 |       1.11635e+06 |                         753320           |                  5.56681e+06 |                                              3.64946e+06 |
|           | Grand Total:         |      1.25654e+07 |                        8.1398e+06  |       2.40127e+06 |                              1.73506e+06 |                  1.49667e+07 |                                              9.87486e+06 |

Source: ENSURE Portal of NABARD

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## Annexure-II