Lok Sabha Question No. 1987 (UNSTARRED), answered on 2018-12-21
Subject: Loans by Cooperative Banks to Agricultural Sector
Ministry: FINANCE
Asked by: KINJARAPU RAM MOHAN NAIDU

## Government of India Ministry of Finance

## Department of Financial Services

## LOK SABHA

Unstarred Question No. 1987

To be answered on Friday, December 21, 2018/Agrahayana 30, 1940 (Saka)

## Loans by Cooperative Banks to Agricultural Sector

1987. SHRI RAM MOHAN NAIDU KINJARAPU:

Will the Minister of FINANCE be pleased to state:

- (a) whether the percentage of loans disbursed by the cooperative banks in the agriculture sector have increased over the last few years;
- (b)  if  so,  the  details  thereof,  including  targets  set  and  achievements  made  against  the targets, State-wise including Andhra Pradesh;
- (c) whether the Government has identified any constraints being faced by the Cooperative banks in disbursing loans; and
- (d) if so, the details thereof and the action taken by the Government in this regard?

## Answer

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

(a) &(b): As reported by National Bank for Agriculture & Rural Development (NABARD) the details of agriculture credit disbursed by Cooperative Banks in the last five years is as under:

(In Rs.Crores)

| Year     | Total Agriculture Credit disbursement by Cooperative Banks   |
|----------|--------------------------------------------------------------|
| 2013-14  | 1,19,964                                                     |
| 2014-15  | 1,38,470                                                     |
| 2015-16  | 1,53,295                                                     |
| 2016-17  | 1,42,758                                                     |
| 2017-18* | 1,50,321                                                     |

(*provisional)

The  State-wise  details  of  targets  and  achievements  in  respect  of  Cooperative  Banks  are furnished in Annexure.

- (c) & (d): To enable Cooperative Banks to meet the crop loan and term loan requirements of farmers,  Government  has  set  up  two  funds  in  NABARD,  to  be  met  out  of  the  shortfall  in priority sector lending targets by commercial banks, as under:
- i.  Short  Term  Cooperative  Rural  Credit  (Refinance)  Fund:  Through  this  fund  NABARD provides concessional short term refinance to Cooperative Banks for their crop loan lending. An amount of Rs.45,000 crore has been allocated for the said Fund during 2018-19.
- ii.  Long  Term  Rural  Credit  Fund  (LTRCF):  This  fund  has  been  set  up  for  the  purpose  of providing long term refinance support to Cooperative Banks and Regional Rural Banks for their  lending  towards  investment  activities  in  agriculture.  Government  has  allocated  of Rs.15,000 crore to this fund during 2018-19.

## Annexure to Lok Sabha USQ No. 1987 for 21.12.2018

## Agriculture credit disbursement 2017-18 (Provisional)

(Rs. In Lakh)

| S.No.   | State/UT          | Target        | Disb. Amt.    |
|---------|-------------------|---------------|---------------|
| 1       | DELHI             | 1,200.00      | 498.01        |
| 2       | HARYANA           | 835,000.00    | 1,007,480.70  |
| 3       | HIMACHAL PRADESH  | 145,000.00    | 920,885.45    |
| 4       | JAMMU & KASHMIR   | 25,000.00     | 1,413.92      |
| 5       | PUNJAB            | 1,720,000.00  | 948,491.92    |
| 6       | RAJASTHAN         | 1,850,000.00  | 1,472,578.81  |
| 7       | ARUNACHAL PRADESH | 10,600.00     | 2,065.06      |
| 8       | ASSAM             | 12,000.00     | 1,895.13      |
| 9       | MANIPUR           | 2,200.00      | 1,878.43      |
| 10      | MEGHALAYA         | 6,500.00      | 3,439.38      |
| 11      | MIZORAM           | 3,500.00      | 1,293.99      |
| 12      | NAGALAND          | 6,200.00      | 8,788.03      |
| 13      | SIKKIM            | 2,800.00      | 357.97        |
| 14      | TRIPURA           | 27,000.00     | 27,347.93     |
| 15      | A & N ISLAND      | 6,000.00      | 2,760.38      |
| 16      | BIHAR             | 95,000.00     | 254,800.00    |
| 17      | JHARKHAND         | 20,000.00     | 323.17        |
| 18      | ODISHA            | 970,000.00    | 1,112,478.38  |
| 19      | WEST BENGAL       | 575,000.00    | 399,156.60    |
| 20      | CHHATTISGARH      | 250,000.00    | 439,700.30    |
| 21      | MADHYA PRADESH    | 1,333,000.00  | 1,278,750.35  |
| 22      | UTTARAKHAND       | 110,000.00    | 126,044.47    |
| 23      | UTTAR PRADESH     | 1,150,000.00  | 393,281.94    |
| 24      | GOA               | 13,500.00     | 3,422.88      |
| 25      | GUJARAT           | 1,470,000.00  | 1,375,967.88  |
| 26      | MAHARASHTRA       | 1,715,000.00  | 1,188,537.43  |
| 27      | D & N HAVELI UT   | 600.00        | NA            |
| 28      | DAMAN & DIU UT    | 700.00        | NA            |
| 29      | ANDHRA PRADESH    | 900,000.00    | 1,108,557.30  |
| 30      | TELANGANA         | 500,000.00    | 565,750.56    |
| 31      | KARNATAKA         | 812,500.00    | 1,161,912.63  |
| 32      | KERALA            | 355,000.00    | 477,199.81    |
| 33      | PUDUCHERRY        | 1,700.00      | 217.03        |
| 34      | TAMILNADU         | 675,000.00    | 744,837.80    |
| TOTAL   | TOTAL             | 15,600,000.00 | 15,032,113.64 |

Source: NABARD

NA-not available