Lok Sabha Question No. 676 (UNSTARRED), answered on 2018-07-20
Subject: Education Loan
Ministry: FINANCE
Asked by: SRIRAM MALYADRI, SADASHIV KISAN LOKHANDE, ALOK SANJAR

## DEPARTMENT OF FINANCIAL SERVICES

## GOVERNMENT OF INDIA MINISTRY OF FINANCE LOK SABHA

## UNSTARRED QUESTION NO. 676

TO BE ANSWERED ON THE 20 th  JULY, 2018, ASHADHA 29, 1940 (SAKA) Education Loan

## 676 SHRI MALYADRI SRIRAM: SHRI SADASHIV LOKHANDE: SHRI ALOK SANJAR:

Will the Minister of FINANCE be pleased to state:

- (a) whether  the  Government  has  launched  any  scheme  to  provide  interest  free loan on education taken by the students and if so, the details thereof including the norms/criteria laid down for the purpose under the scheme and the present rate of interest charged by the bank;
- (b) the total number of students who have availed the benefit under the scheme including total amount of loan sanctioned and disbursed during each of the last three  years  and  the  current  year,  bank/State/UT-wise  including  Maharashtra and the percentage of students who have availed benefit for higher education;
- (c) whether the cases of recovering lower rate of interest by the banks from girls students compared to boy students have come to the notice of the Government and if so, the details thereof and the reasons therefor including the steps taken by the Government to remove the disparity;
- (d) the  total  amount  of  education  loan  not  repaid  by  the  students  even  after completing their education as on date, bank/State/UT-wise including Maharashtra; and
- (e) whether the Government has taken/proposed to be taken steps to waive off the interest on education loan and if so, the details thereof?

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

- (a) There is no scheme to provide interest free loan on education taken by the students. However, Ministry of Human Resources Development (MHRD) launched a scheme  titled  'Central  Sector  Interest  Subsidy  Scheme'  (CSIS)  in  2009.  The Scheme provides full  interest  subsidy  during  the  moratorium  period  on  education loans upto Rs 7.50 lakhs. Eligibility Criteria laid down for the scheme is as under:
-  Education  Loans  taken  under  Indian  Banks'  Association  (IBA)  Model  Education Loan Scheme.
-  Students having parental income upto Rs 4.5 lakhs per annum.
-  Students enrolled in professional/technical courses only from National Assessment and Accreditation Council (NAAC) accredited Institutions or professional/technical programmes accredited by NBA or Institutions of National Importance or Central Funded Technical Institutions (CFTIs). Those professional courses, which do not come under the ambit of NAAC or NBA, would require approval of the respective regulatory body.

-  Admissible  only  for  once  either  for  Under  Graduation  or  Post  Graduation.  Also admissible for integrated courses (graduation + post graduation).

Interest charged by the Public Sector Banks (PSBs) on education loans ranges from 8.60 to 11.50% p.a. depending upon the MCLR (Marginal Cost of Lending Rate) of the respective Bank and size of the loan.

- (b) 25,17,038 students have benefitted under CSIS since Financial Year 2009-10.

As  per  the  information  furnished  by  Reserve  Bank  of  India  (RBI),  the  bankwise/state-wise number of education loan accounts and amount of loan disbursed by banks in the country including in the State of Maharashtra for the years ending on 31 st   March 2015, 31 st  March, 2016, 31 st  March, 2017 and 31 st  March, 2018 are at Annexure II/Annexure III, respectively.

(c) Indian Banks' Association (IBA) has, on February 04, 2009 at the request of the  Government,  advised  its  member  banks  that  at  least  0.50%  concession  in interest rates may be provided to girl students on education loans for studies in India or abroad. Some of the banks give concession in interest rate to girl students. This is in accordance with the priority of the Government to promote female education.

(d) All education loans which are not repaid in time as per terms & conditions and falls under the purview of RBI Master Circular DBR No.BP.BC.2/21.04.048/ 2015-16 dated  01.07.2015  are  classified  as  Non-Performing  Assets  (NPAs).    Bank-wise position  of  NPAs  of  Public  Sector  Banks  as  on  31.03.2018  is  at  Annexure-III  and State-wise  position  of  NPA  of  PSBs  Including  Maharashtra  as  on  30.09.2017  is placed at Annexure-IV.

(e)      No  such  proposal  to  waive  off  the  interest  on  education  loan  is  under consideration.

*******

| Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   | Annexure-I to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan Bank-wise number of education loan accounts and amount of loan disbursed (No. of Accounts in acutal and amount in Rs. crore)   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Banks                                                                                                                                                                                                                                             | 2014-15 Disbursed                                                                                                                                                                                                                                 | 2014-15 Disbursed                                                                                                                                                                                                                                 | 2015-16                                                                                                                                                                                                                                           | 2015-16                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 2016-17 2017-18                                                                                                                                                                                                                                   | 2016-17 2017-18                                                                                                                                                                                                                                   |
| Banks                                                                                                                                                                                                                                             | No. of A/c                                                                                                                                                                                                                                        | Amount Disbursed                                                                                                                                                                                                                                  | Disbursed No. of A/c                                                                                                                                                                                                                              | Amount Disbursed                                                                                                                                                                                                                                  | No. of A/c                                                                                                                                                                                                                                        | Disbursed Amount Disbursed                                                                                                                                                                                                                        | No. of A/c                                                                                                                                                                                                                                        | Disbursed Amount Disbursed                                                                                                                                                                                                                        |
| State Bank of Bikaner & Jaipur                                                                                                                                                                                                                    | 7998                                                                                                                                                                                                                                              | 63.03                                                                                                                                                                                                                                             | 7333                                                                                                                                                                                                                                              | 77.64                                                                                                                                                                                                                                             | 4263                                                                                                                                                                                                                                              | 69.50                                                                                                                                                                                                                                             | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| State Bank of Hyderabad                                                                                                                                                                                                                           | 5312                                                                                                                                                                                                                                              | 177.96                                                                                                                                                                                                                                            | 5186                                                                                                                                                                                                                                              | 183.57                                                                                                                                                                                                                                            | 3578                                                                                                                                                                                                                                              | 125.39                                                                                                                                                                                                                                            | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| State Bank of India                                                                                                                                                                                                                               | 85646                                                                                                                                                                                                                                             | 1245.76                                                                                                                                                                                                                                           | 79264                                                                                                                                                                                                                                             | 3249.00                                                                                                                                                                                                                                           | 62461                                                                                                                                                                                                                                             | 1376.77                                                                                                                                                                                                                                           | 320695                                                                                                                                                                                                                                            | 4146.58                                                                                                                                                                                                                                           |
| State Bank of Mysore                                                                                                                                                                                                                              | 9989                                                                                                                                                                                                                                              | 134.47                                                                                                                                                                                                                                            | 8571                                                                                                                                                                                                                                              | 136.23                                                                                                                                                                                                                                            | 7303                                                                                                                                                                                                                                              | 131.62                                                                                                                                                                                                                                            | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| State Bank of Patiala                                                                                                                                                                                                                             | 2398                                                                                                                                                                                                                                              | 72.74                                                                                                                                                                                                                                             | 2096                                                                                                                                                                                                                                              | 69.60                                                                                                                                                                                                                                             | 1433                                                                                                                                                                                                                                              | 53.05                                                                                                                                                                                                                                             | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| State Bank of Travancore                                                                                                                                                                                                                          | 23055                                                                                                                                                                                                                                             | 219.56                                                                                                                                                                                                                                            | 25663                                                                                                                                                                                                                                             | 129.33                                                                                                                                                                                                                                            | 5427                                                                                                                                                                                                                                              | 41.94                                                                                                                                                                                                                                             | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| Allahabad Bank                                                                                                                                                                                                                                    | 14963                                                                                                                                                                                                                                             | 198.06                                                                                                                                                                                                                                            | 13871                                                                                                                                                                                                                                             | 146.37                                                                                                                                                                                                                                            | 18403                                                                                                                                                                                                                                             | 225.60                                                                                                                                                                                                                                            | 14623                                                                                                                                                                                                                                             | 268.40                                                                                                                                                                                                                                            |
| Andhra Bank                                                                                                                                                                                                                                       | 26954                                                                                                                                                                                                                                             | 583.30                                                                                                                                                                                                                                            | 31170                                                                                                                                                                                                                                             | 872.01                                                                                                                                                                                                                                            | 23353                                                                                                                                                                                                                                             | 585.53                                                                                                                                                                                                                                            | 22296                                                                                                                                                                                                                                             | 610.80                                                                                                                                                                                                                                            |
| Bank of Baroda                                                                                                                                                                                                                                    | 10519                                                                                                                                                                                                                                             | 241.37                                                                                                                                                                                                                                            | 17744                                                                                                                                                                                                                                             | 233.49                                                                                                                                                                                                                                            | 23601                                                                                                                                                                                                                                             | 192.48                                                                                                                                                                                                                                            | 22171                                                                                                                                                                                                                                             | 534.96                                                                                                                                                                                                                                            |
|                                                                                                                                                                                                                                                   | 49428                                                                                                                                                                                                                                             | 582.05                                                                                                                                                                                                                                            | 44221                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 474.13                                                                                                                                                                                                                                            |
| Bank of India Bank of Maharashtra                                                                                                                                                                                                                 | 8280                                                                                                                                                                                                                                              | 96.76                                                                                                                                                                                                                                             | 11717                                                                                                                                                                                                                                             | 485.28 196.33                                                                                                                                                                                                                                     | 37899 10763                                                                                                                                                                                                                                       | 449.50 214.37                                                                                                                                                                                                                                     | 35907 11943                                                                                                                                                                                                                                       | 8.02                                                                                                                                                                                                                                              |
| BHARATIYA MAHILA BANK                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| LTD.                                                                                                                                                                                                                                              | 164                                                                                                                                                                                                                                               | 3.01                                                                                                                                                                                                                                              | 166                                                                                                                                                                                                                                               | 3.16                                                                                                                                                                                                                                              | 74                                                                                                                                                                                                                                                | 1.84                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |
| Canara Bank                                                                                                                                                                                                                                       | 110672                                                                                                                                                                                                                                            | 1078.93                                                                                                                                                                                                                                           | 113623                                                                                                                                                                                                                                            | 1330.51                                                                                                                                                                                                                                           | 109571                                                                                                                                                                                                                                            | 1903.06                                                                                                                                                                                                                                           | 98400                                                                                                                                                                                                                                             | 1951.97                                                                                                                                                                                                                                           |
| Central Bank of India                                                                                                                                                                                                                             | 50496                                                                                                                                                                                                                                             | 559.40                                                                                                                                                                                                                                            | 44082                                                                                                                                                                                                                                             | 656.84                                                                                                                                                                                                                                            | 38904                                                                                                                                                                                                                                             | 513.62                                                                                                                                                                                                                                            | 34119                                                                                                                                                                                                                                             | 676.21                                                                                                                                                                                                                                            |
| Corporation Bank                                                                                                                                                                                                                                  | 32426                                                                                                                                                                                                                                             | 338.99                                                                                                                                                                                                                                            | 8659                                                                                                                                                                                                                                              | 223.39                                                                                                                                                                                                                                            | 29264                                                                                                                                                                                                                                             | 874.59                                                                                                                                                                                                                                            | 27667                                                                                                                                                                                                                                             | 527.49                                                                                                                                                                                                                                            |
|                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 139.20                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                   | 101.33                                                                                                                                                                                                                                            | 1643                                                                                                                                                                                                                                              | 82.58                                                                                                                                                                                                                                             | 372                                                                                                                                                                                                                                               | 14.23                                                                                                                                                                                                                                             |
| Dena Bank IDBI Bank Ltd.                                                                                                                                                                                                                          | 3185 5499                                                                                                                                                                                                                                         | 113.14                                                                                                                                                                                                                                            | 2652 10803                                                                                                                                                                                                                                        | 299.48                                                                                                                                                                                                                                            | 10534                                                                                                                                                                                                                                             | 281.25 407.53                                                                                                                                                                                                                                     | 9705 26169                                                                                                                                                                                                                                        | 260.48 530.12                                                                                                                                                                                                                                     |
| Indian Bank                                                                                                                                                                                                                                       | 50339                                                                                                                                                                                                                                             | 350.23                                                                                                                                                                                                                                            | 34130                                                                                                                                                                                                                                             | 292.18                                                                                                                                                                                                                                            | 27641                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |
| Indian Overseas Bank                                                                                                                                                                                                                              | 25497                                                                                                                                                                                                                                             | 617.79                                                                                                                                                                                                                                            | 16184                                                                                                                                                                                                                                             | 579.02                                                                                                                                                                                                                                            | 10613                                                                                                                                                                                                                                             | 373.28                                                                                                                                                                                                                                            | 10034                                                                                                                                                                                                                                             | 430.64                                                                                                                                                                                                                                            |
| Oriental Bank of Commerce                                                                                                                                                                                                                         | 13317                                                                                                                                                                                                                                             | 246.76                                                                                                                                                                                                                                            | 18089                                                                                                                                                                                                                                             | 530.17 116.75                                                                                                                                                                                                                                     | 10804                                                                                                                                                                                                                                             | 245.99 99.30                                                                                                                                                                                                                                      | 13085 1252                                                                                                                                                                                                                                        | 214.98                                                                                                                                                                                                                                            |
| Punjab and Sind Bank                                                                                                                                                                                                                              | 1357                                                                                                                                                                                                                                              | 53.85                                                                                                                                                                                                                                             | 1503                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   | 1146                                                                                                                                                                                                                                              | 915.65                                                                                                                                                                                                                                            | 45476                                                                                                                                                                                                                                             | 106.76                                                                                                                                                                                                                                            |
| Punjab National Bank                                                                                                                                                                                                                              | 45565                                                                                                                                                                                                                                             | 616.43                                                                                                                                                                                                                                            | 43092                                                                                                                                                                                                                                             | 701.31                                                                                                                                                                                                                                            | 42939                                                                                                                                                                                                                                             | 568.32                                                                                                                                                                                                                                            | 35619                                                                                                                                                                                                                                             | 1227.18 549.37                                                                                                                                                                                                                                    |
| Syndicate Bank UCO Bank                                                                                                                                                                                                                           | 15951 20344                                                                                                                                                                                                                                       | 297.78 246.68                                                                                                                                                                                                                                     | 39088 16462                                                                                                                                                                                                                                       | 663.91 245.74                                                                                                                                                                                                                                     | 37787 15172                                                                                                                                                                                                                                       | 318.22                                                                                                                                                                                                                                            | 14255                                                                                                                                                                                                                                             | 226.53                                                                                                                                                                                                                                            |
| Union Bank of India                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                   | 553.14                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 31306                                                                                                                                                                                                                                             | 548.99                                                                                                                                                                                                                                            | 13104                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |
|                                                                                                                                                                                                                                                   | 36991                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   | 57338                                                                                                                                                                                                                                             | 548.22                                                                                                                                                                                                                                            | 7569                                                                                                                                                                                                                                              | 104.63                                                                                                                                                                                                                                            | 3349                                                                                                                                                                                                                                              | 237.08                                                                                                                                                                                                                                            |
| United Bank of India                                                                                                                                                                                                                              | 5958                                                                                                                                                                                                                                              | 88.18                                                                                                                                                                                                                                             | 7044                                                                                                                                                                                                                                              | 89.74                                                                                                                                                                                                                                             | 26278                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   | 26071                                                                                                                                                                                                                                             | 65.23                                                                                                                                                                                                                                             |
| Vijaya Bank                                                                                                                                                                                                                                       | 19382                                                                                                                                                                                                                                             | 271.89                                                                                                                                                                                                                                            | 25085                                                                                                                                                                                                                                             | 434.78                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                   | 471.31                                                                                                                                                                                                                                            | 7778                                                                                                                                                                                                                                              | 409.32                                                                                                                                                                                                                                            |
| Axis Bank Bandhan Bank                                                                                                                                                                                                                            | 8491 0                                                                                                                                                                                                                                            | 66.82                                                                                                                                                                                                                                             | 11802                                                                                                                                                                                                                                             | 173.95 22.15                                                                                                                                                                                                                                      | 14949                                                                                                                                                                                                                                             | 451.17 21.94                                                                                                                                                                                                                                      | 0                                                                                                                                                                                                                                                 | 498.24 0.00                                                                                                                                                                                                                                       |
| Catholic Syrian Bank                                                                                                                                                                                                                              | 3912                                                                                                                                                                                                                                              | 0.00 109.42                                                                                                                                                                                                                                       | 21410 495                                                                                                                                                                                                                                         | 15.14                                                                                                                                                                                                                                             | 20905 426                                                                                                                                                                                                                                         | 10.92                                                                                                                                                                                                                                             | 261                                                                                                                                                                                                                                               | 8.37                                                                                                                                                                                                                                              |
| City Union Bank                                                                                                                                                                                                                                   | 4208                                                                                                                                                                                                                                              | 36.80                                                                                                                                                                                                                                             | 2653                                                                                                                                                                                                                                              | 36.31                                                                                                                                                                                                                                             | 2746                                                                                                                                                                                                                                              | 29.83                                                                                                                                                                                                                                             | 2150                                                                                                                                                                                                                                              | 28.61                                                                                                                                                                                                                                             |
| Development Credit Bank                                                                                                                                                                                                                           | 204                                                                                                                                                                                                                                               | 4.79                                                                                                                                                                                                                                              | 336                                                                                                                                                                                                                                               | 7.04                                                                                                                                                                                                                                              | 186                                                                                                                                                                                                                                               | 5.07                                                                                                                                                                                                                                              | 222                                                                                                                                                                                                                                               | 8.23                                                                                                                                                                                                                                              |
| Dhanlaxmi Bank                                                                                                                                                                                                                                    | 2631                                                                                                                                                                                                                                              | 27.51                                                                                                                                                                                                                                             | 2071                                                                                                                                                                                                                                              | 26.16                                                                                                                                                                                                                                             | 1048                                                                                                                                                                                                                                              | 10.27                                                                                                                                                                                                                                             | 874                                                                                                                                                                                                                                               | 12.24                                                                                                                                                                                                                                             |
| Federal Bank                                                                                                                                                                                                                                      | 15774                                                                                                                                                                                                                                             | 152.28                                                                                                                                                                                                                                            | 13523                                                                                                                                                                                                                                             | 139.11                                                                                                                                                                                                                                            | 10128                                                                                                                                                                                                                                             | 116.95                                                                                                                                                                                                                                            | 8114                                                                                                                                                                                                                                              | 124.91                                                                                                                                                                                                                                            |
| HDFC Bank                                                                                                                                                                                                                                         | 2611                                                                                                                                                                                                                                              | 47.23                                                                                                                                                                                                                                             | 3227                                                                                                                                                                                                                                              | 40.77                                                                                                                                                                                                                                             | 5353                                                                                                                                                                                                                                              | 69.31                                                                                                                                                                                                                                             | 4344                                                                                                                                                                                                                                              | 78.31                                                                                                                                                                                                                                             |
| ICICI Bank                                                                                                                                                                                                                                        | 700                                                                                                                                                                                                                                               | 9.78                                                                                                                                                                                                                                              | 525                                                                                                                                                                                                                                               | 8.07                                                                                                                                                                                                                                              | 885                                                                                                                                                                                                                                               | 25.57                                                                                                                                                                                                                                             | 1782                                                                                                                                                                                                                                              | 64.24                                                                                                                                                                                                                                             |
| IDFC Bank                                                                                                                                                                                                                                         | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              | 2                                                                                                                                                                                                                                                 | 0.18                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| Indusind Bank                                                                                                                                                                                                                                     | 8                                                                                                                                                                                                                                                 | 0.06                                                                                                                                                                                                                                              | 5                                                                                                                                                                                                                                                 | 0.02                                                                                                                                                                                                                                              | 12                                                                                                                                                                                                                                                | 0.09                                                                                                                                                                                                                                              | 14                                                                                                                                                                                                                                                | 0.10                                                                                                                                                                                                                                              |
| ING Vysya Bank                                                                                                                                                                                                                                    | 4                                                                                                                                                                                                                                                 | 0.61                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 | 0.00                                                                                                                                                                                                                                              |
| Jammu & Kashmir Bank                                                                                                                                                                                                                              | 2442 3073                                                                                                                                                                                                                                         | 37.34                                                                                                                                                                                                                                             | 2026                                                                                                                                                                                                                                              | 31.33                                                                                                                                                                                                                                             | 1561                                                                                                                                                                                                                                              | 18.42                                                                                                                                                                                                                                             | 1594                                                                                                                                                                                                                                              | 21.09 92.37                                                                                                                                                                                                                                       |
| Karnataka Bank                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                   | 41.46                                                                                                                                                                                                                                             | 3173                                                                                                                                                                                                                                              | 72.19                                                                                                                                                                                                                                             | 3117                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   | 3214                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   |
| Karur Vysya Bank                                                                                                                                                                                                                                  | 1456 1175                                                                                                                                                                                                                                         | 31.37                                                                                                                                                                                                                                             | 4077                                                                                                                                                                                                                                              | 68.67                                                                                                                                                                                                                                             | 3159                                                                                                                                                                                                                                              | 81.44 63.08                                                                                                                                                                                                                                       | 2590                                                                                                                                                                                                                                              | 53.69                                                                                                                                                                                                                                             |
| Kotak Mahindra Bank Lakshmi Vilas Bank                                                                                                                                                                                                            | 2420                                                                                                                                                                                                                                              | 12.79 49.76                                                                                                                                                                                                                                       | 77                                                                                                                                                                                                                                                | 0.82 30.86                                                                                                                                                                                                                                        | 1298 1000                                                                                                                                                                                                                                         | 24.25 19.25                                                                                                                                                                                                                                       | 320                                                                                                                                                                                                                                               | 11.30                                                                                                                                                                                                                                             |
|                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 1477                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 670                                                                                                                                                                                                                                               | 12.57                                                                                                                                                                                                                                             |
| Nainital Bank Ratnakar Bank                                                                                                                                                                                                                       | 336 6436                                                                                                                                                                                                                                          | 8.57                                                                                                                                                                                                                                              | 299                                                                                                                                                                                                                                               | 8.35 33.37                                                                                                                                                                                                                                        | 74 7215                                                                                                                                                                                                                                           | 2.17                                                                                                                                                                                                                                              | 71                                                                                                                                                                                                                                                | 1.79                                                                                                                                                                                                                                              |
|                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 12.28                                                                                                                                                                                                                                             | 24350                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 18.36                                                                                                                                                                                                                                             | 8538                                                                                                                                                                                                                                              | 24.90                                                                                                                                                                                                                                             |
| South Indian Bank                                                                                                                                                                                                                                 | 10754                                                                                                                                                                                                                                             | 134.02                                                                                                                                                                                                                                            | 6059                                                                                                                                                                                                                                              | 84.49                                                                                                                                                                                                                                             | 3382                                                                                                                                                                                                                                              | 49.10                                                                                                                                                                                                                                             | 3260                                                                                                                                                                                                                                              | 79.45                                                                                                                                                                                                                                             |
| Tamilnad Mercantile Bank Yes Bank                                                                                                                                                                                                                 | 2                                                                                                                                                                                                                                                 | 34.16                                                                                                                                                                                                                                             | 3858                                                                                                                                                                                                                                              | 0.00                                                                                                                                                                                                                                              | 3110 1                                                                                                                                                                                                                                            | 34.27 0.10                                                                                                                                                                                                                                        | 2                                                                                                                                                                                                                                                 | 30.65 0.10                                                                                                                                                                                                                                        |
|                                                                                                                                                                                                                                                   | 4325                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 41.67                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 2367                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                   |
| Capital Small Finance Bank                                                                                                                                                                                                                        |                                                                                                                                                                                                                                                   | 0.04                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |
| ESAF Small Finance Bank                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 0.16                                                                                                                                                                                                                                              |
|                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 2                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                   |
|                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 18333                                                                                                                                                                                                                                             | 37.79                                                                                                                                                                                                                                             |
| Fincare Small Finance Bank                                                                                                                                                                                                                        |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                   | 480                                                                                                                                                                                                                                               | 1.21                                                                                                                                                                                                                                              |
| Ujjivan Small Finance Bank Total                                                                                                                                                                                                                  | 752647                                                                                                                                                                                                                                            | 10007.53                                                                                                                                                                                                                                          | 786279                                                                                                                                                                                                                                            | 13435.86                                                                                                                                                                                                                                          | 680286                                                                                                                                                                                                                                            | 12227.62                                                                                                                                                                                                                                          | 45253 898545                                                                                                                                                                                                                                      | 73.87 14734.67                                                                                                                                                                                                                                    |

Source: RBI

## Annexure-II to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding Education Loan

## State-wise number of education loan accounts and amount of loan disbursed

(No. of Accounts in acutal and amount in Rs. crore)

|                                       | During Financial year   | During Financial year   | During Financial year   | During Financial year   | During Financial year   | During Financial year   | During Financial year   | During Financial year   |
|---------------------------------------|-------------------------|-------------------------|-------------------------|-------------------------|-------------------------|-------------------------|-------------------------|-------------------------|
| States                                | 2014-15                 | 2014-15                 | 2015-16                 | 2015-16                 | 2016-17                 | 2016-17                 | 2017-18                 | 2017-18                 |
| States                                | No. of A/c              | Amount Disbursed        | No. of A/c              | Amount Disbursed        | No. of A/c              | Amount Disbursed        | No. of A/c              | Amount Disbursed        |
| Andaman & Nicobar Island              | 82                      | 1.93                    | 93                      | 2.71                    | 89                      | 2.19                    | 175                     | 2.69                    |
| Andhra Pradesh                        | 50097                   | 1392.65                 | 41948                   | 1285.55                 | 38616                   | 1032.21                 | 49849                   | 1174.23                 |
| Arunachal Pradesh                     | 139                     | 2.79                    | 123                     | 3.03                    | 105                     | 1.37                    | 257                     | 2.59                    |
| Assam                                 | 3542                    | 44.81                   | 5925                    | 73.09                   | 4296                    | 58.98                   | 7444                    | 107.99                  |
| Bihar                                 | 27399                   | 306.20                  | 24842                   | 282.69                  | 21180                   | 266.48                  | 40502                   | 432.84                  |
| Chandigarh                            | 1456                    | 49.81                   | 1405                    | 74.01                   | 1606                    | 64.30                   | 2059                    | 72.23                   |
| Chattisgarh                           | 5484                    | 65.58                   | 6010                    | 89.77                   | 5813                    | 86.44                   | 9867                    | 143.75                  |
| Dadra & Nagar Haveli                  | 62                      | 1.10                    | 49                      | 0.94                    | 32                      | 1.20                    | 83                      | 1.97                    |
| Daman & Diu                           | 61                      | 1.45                    | 71                      | 1.79                    | 80                      | 2.17                    | 72                      | 1.84                    |
| Delhi                                 | 9826                    | 257.10                  | 12182                   | 388.63                  | 12901                   | 514.57                  | 15856                   | 568.38                  |
| Goa                                   | 848                     | 18.83                   | 937                     | 27.58                   | 1422                    | 25.10                   | 2783                    | 57.14                   |
| Gujarat                               | 12809                   | 308.77                  | 14888                   | 344.89                  | 14400                   | 359.23                  | 23081                   | 669.87                  |
| Haryana                               | 9014                    | 196.77                  | 9978                    | 298.20                  | 9062                    | 261.65                  | 11823                   | 331.31                  |
| Himachal Pradesh                      | 4601                    | 56.37                   | 4364                    | 69.25                   | 4204                    | 61.80                   | 5716                    | 81.70                   |
| Jammu & Kashmir                       | 3156                    | 42.99                   | 2733                    | 49.89                   | 2135                    | 29.15                   | 2946                    | 48.30                   |
| Jharkhand                             | 10988                   | 138.55                  | 11418                   | 180.46                  | 10390                   | 156.14                  | 20142                   | 331.79                  |
| Karnataka                             | 69386                   | 1038.74                 | 76964                   | 1448.13                 | 82800                   | 1768.16                 | 108460                  | 1798.65                 |
| Kerala                                | 109882                  | 1195.76                 | 108719                  | 1171.98                 | 79050                   | 1035.84                 | 121573                  | 1379.23                 |
| Lakshadweep                           | 15                      | 0.32                    | 11                      | 0.17                    | 9                       | 0.13                    | 588                     | 8.29                    |
| Madhya Pradesh                        | 22111                   | 248.12                  | 23631                   | 695.34                  | 23243                   | 322.82                  | 32427                   | 521.41                  |
| Maharashtra                           | 62549                   | 963.43                  | 88547                   | 1561.06                 | 64830                   | 1301.81                 | 89064                   | 1633.53                 |
| Manipur                               | 331                     | 5.11                    | 249                     | 6.11                    | 221                     | 4.73                    | 402                     | 8.00                    |
| Meghalaya                             | 391                     | 6.93                    | 451                     | 8.87                    | 488                     | 10.37                   | 1718                    | 24.85                   |
| Mizoram                               | 171                     | 2.04                    | 155                     | 3.92                    | 80                      | 1.25                    | 180                     | 1.49                    |
| Nagaland                              | 111                     | 2.21                    | 87                      | 1.80                    | 73                      | 1.35                    | 1242                    | 24.73                   |
| Orissa                                | 13435                   | 155.99                  | 13196                   | 206.59                  | 13795                   | 196.27                  | 22314                   | 293.18                  |
| Puducherry                            | 3310                    | 29.47                   | 2499                    | 31.68                   | 1989                    | 31.35                   | 4601                    | 51.10                   |
| Punjab                                | 9221                    | 253.98                  | 10578                   | 377.74                  | 9956                    | 387.39                  | 14779                   | 466.41                  |
| Rajasthan                             | 18119                   | 210.04                  | 18726                   | 354.61                  | 15137                   | 268.48                  | 21506                   | 387.33                  |
| Sikkim                                | 150                     | 2.51                    | 481                     | 4.40                    | 293                     | 3.09                    | 1792                    | 61.06                   |
| Telangana                             | 247652                  | 0.00                    | 28982                   | 1170.33                 | 24438                   | 887.28                  | 31315                   | 973.32                  |
| Tripura                               |                         | 12.36                   |                         |                         |                         |                         |                         |                         |
|                                       | 1232                    |                         | 14851                   | 31.91                   | 9417                    | 20.27                   | 2396                    | 17.32                   |
| Uttarakhand Uttar Pradesh West Bengal | 9230 28817              | 134.40                  | 10440                   | 178.67 594.96           | 5348                    | 104.24                  | 18516                   | 358.38                  |
| TOTAL                                 | 16970                   |                         |                         |                         |                         |                         | 898545                  |                         |
|                                       |                         | 411.75 226.16           | 31804 24175             | 359.11                  | 36556 29990             | 586.80 540.80           | 32821 11496             | 596.71 168.20           |
|                                       | 752647                  | 10007.53                | 786279                  | 13435.86                | 680286                  | 12227.62                |                         | 14734.67                |

Source: RBI

Annexure-III to reply of Lok Sabha Unstarred Question No. 676 for answer on 20 th July, 2018 regarding education loan.

## Bank-wise position of NPA of PSBs under Education Loan as on 31.03.2018

|    | Name of the Bank             | NPA Position   | NPA Position   |
|----|------------------------------|----------------|----------------|
|    |                              | No. of A/Cs    | Amt. in Cr.    |
| 1  | Allahabad Bank               | 2895           | 47.83          |
| 2  | Andhra Bank                  | 4122           | 62.07          |
| 3  | Bank of Baroda (PROVISIONAL) | 14334          | 256.82         |
| 4  | Bank of India                | 17926          | 325.20         |
| 5  | Bank of Maharashtra          | 4775           | 87.96          |
| 6  | Canara Bank                  | 34138          | 345.19         |
| 7  | Central Bank of India        | 18635          | 379.12         |
| 8  | Corporation Bank             | 8777           | 177.63         |
| 9  | Dena Bank                    | 3583           | 60.59          |
| 10 | IDBI Bank                    | 1673           | 39.75          |
| 11 | Indian Bank                  | 37400          | 687.10         |
| 12 | Indian Overseas Bank         | 38117          | 524.64         |
| 13 | Oriental Bank of Commerce    | 6162           | 140.43         |
| 14 | Punjab &Sind Bank            | 830            | 20.53          |
| 15 | Punjab National Bank         | 24883          | 686.68         |
| 16 | State Bank of India          | 67215          | 1550.58        |
| 17 | Syndicate Bank               | 21611          | 322.40         |
| 18 | UCO Bank                     | 15740          | 350.36         |
| 19 | Union Bank of India          | 14672          | 255.31         |
| 20 | United Bank of India         | 1856           | 46.93          |
| 21 | Vijaya Bank (PRE AUDIT)      | 4779           | 67.50          |
|    | Total                        | 3,44,123       | 6434.62        |

Source: IBA

## Annexure-IV to reply of Lok Sabha Unstarred Question No. 676 for answer on 20th July, 2018 regarding education loan

| State-wise NPA of PSBs as on 30.09.2017   | State-wise NPA of PSBs as on 30.09.2017   | State-wise NPA of PSBs as on 30.09.2017   |
|-------------------------------------------|-------------------------------------------|-------------------------------------------|
| State/Union Territories                   | No. of A/Cs                               | Amount in Crore                           |
| NORTH EASTERN REGION                      | 1639                                      | 41                                        |
| Assam                                     | 1083                                      | 27                                        |
| Meghalaya                                 | 95                                        | 3                                         |
| Mizoram                                   | 48                                        | 2                                         |
| Arunachal Pradesh                         | 49                                        | 1                                         |
| Nagaland                                  | 34                                        | 1                                         |
| Manipur                                   | 84                                        | 2                                         |
| Tripura                                   | 246                                       | 5                                         |
| EASTERN REGION                            | 28060                                     | 695                                       |
| Bihar                                     | 9660                                      | 275                                       |
| Jharkhand                                 | 3173                                      | 86                                        |
| West Bengal                               | 5815                                      | 116                                       |
| Sikkim                                    | 24                                        | 0                                         |
| Andaman& Nicobar Island                   | 26                                        | 0                                         |
| CENTRAL REGION                            | 18475                                     | 379                                       |
| Uttar Pradesh                             | 10532                                     | 234                                       |
| Uttarakhand                               | 769                                       | 17                                        |
| Madhya Pradesh                            | 6124                                      | 106                                       |
| Chattisgarh                               | 1050                                      | 23                                        |
| NORTHERN REGION                           | 10344                                     | 230                                       |
| Delhi                                     | 1265                                      | 31                                        |
| Punjab                                    | 1933                                      | 47                                        |
| Haryana                                   | 2571                                      | 57                                        |
| Chandigarh                                | 146                                       | 4                                         |
| Jammu &Kashmir                            | 215                                       | 5                                         |
| Himachal Pradesh                          | 393                                       | 10                                        |
| Rajasthan                                 | 3828                                      | 77                                        |
| WESTERN REGION                            | 20184                                     | 367                                       |
| Gujarat                                   | 2537                                      | 46                                        |
| Maharashtra                               | 17509                                     | 318                                       |
| Daman &Diu                                | 6                                         | 0                                         |
| Goa                                       | 112                                       | 2                                         |
| Dadra &Nagar Haveli                       | 20                                        | 1                                         |
| SOUTHERN REGION                           | 266634                                    | 4644                                      |
| Andhra Pradesh                            | 11884                                     | 213                                       |
| Telengana                                 | 3743                                      | 81                                        |
| Karnataka                                 | 23874                                     | 415                                       |
| Lakshadweep                               | 0                                         | 0                                         |
| Tamilnadu                                 | 171774                                    | 2659                                      |
| Kerala                                    | 52802                                     | 1230                                      |
| Pondicherry                               | 2557                                      | 47                                        |
| TOTAL of all regions                      | 345340                                    | 6356                                      |
| Source: IBA                               |                                           |                                           |