Lok Sabha Question No. 803 (UNSTARRED), answered on 2018-12-14
Subject: Stand up India Scheme
Ministry: FINANCE
Asked by: RAVINDRA KUMAR PANDEY, S.P. MUDDAHANUMEGOWDA, NISHIKANT  DUBEY, RAJESHBHAI NARANBHAI CHUDASAMA, RAJESH PANDEY

## Govt. of India Ministry of Finance Department of Financial Services LOK SABHA UNSTARRED QUESTION No. 803

## TO BE ANSWERED ON THE Friday, December 14, 2018/Agrahayana 23, 1940 Saka)

## Stand up India Scheme

## 803. SHRI RAVINDRA KUMAR PANDEY: SHRI S.P. MUDDAHANUME GOWDA: SHRI NISHIKANT DUBEY: SHRI RAJESHBHAI CHUDASAMA: SHRI RAJESH PANDEY:

Will the Minister of FINANCE be pleased to state : (a)  the  number of loans sanctioned and disbursed to women applicants and applicants from tribal and Scheduled Caste communities till date, under the Stand up India Scheme, State-wise including Karnataka; (b) whether the Government has achieved the targets regarding number of beneficiaries under the Scheme; (c) if so, the details thereof and if not, the reasons therefor; (d) whether some banks have not given even a single loan under Stand up India Scheme to SCs/STs; and

- (e) if so, the details of the names of such banks and the penal action taken against them?

## ANSWER (MINISTER OF STATE IN THE MINISTRY OF FINANCE)

## (SHRI SHIV PRATAP SHUKLA )

(a)  68,352 loans have been sanctioned under Stand Up India Scheme up to 09.12.2018. The State-wise number of loans sanctioned and disbursed to woman applicants and applicants from Scheduled Tribe (ST) and Scheduled Caste (SC) under the Stand Up India Scheme including Karnataka as on 09.12.2018 is placed at Annexure- 1 (b)  &  (c)  The  Stand  Up  India  Scheme is being  implemented through all Scheduled Commercial Banks (SCBs) to benefit 2.5 lakh borrowers at a minimum of two borrowers per bank branch comprising at least one SC/ST borrower and at least one woman borrower. The branches of Scheduled Commercial Banks (SCBs) are progressively extending loans under the Scheme. The reason for not achieving the targets so far  includes  inter  alia,  requirement  of  handholding  support  by  many  first  generation  entrepreneurs  to become eligible borrowers, limited availability of viable business proposals of requisite size in rural and semi urban areas, inability of borrowers to arrange margin money in the absence of convergence support etc. (d) & (e) All Public Sector Banks (PSBs) have reported loans extended by them under the Stand Up India Scheme to SC/STs. However, certain Private Scheduled Commercial Banks, Scheduled Small Finance Banks, Foreign Banks and Regional Rural Banks (RRB) have so far not reported the loans extended by them. A list of these banks is placed at Annexure-II. Government and Small Industries Development Bank of  India  (SIDBI)  have taken up the matter for vigorous implementation of the scheme with such banks directly or through the Indian Banks Association (IBA), National Bank for Agriculture and Rural Development

- (NABARD) and the sponsor bank (for RRBs) as the case may be.

| Annexure-I   | Annexure-I             | Annexure-I      | Annexure-I      | Annexure-I                                     | Annexure-I                                     | Annexure-I                                       | Annexure-I                                       | Annexure-I   | Annexure-I   |
|--------------|------------------------|-----------------|-----------------|------------------------------------------------|------------------------------------------------|--------------------------------------------------|--------------------------------------------------|--------------|--------------|
| Sr No        | StateName              | Number of loans | Number of loans | sanctioned and disbursed to SC Number of loans | sanctioned and disbursed to SC Number of loans | under Stand Up India to ST Number of loans Women | under Stand Up India to ST Number of loans Women | to Total     | to Total     |
| Sr No        | StateName              | Sanctioned      | Disbursed       | Sanctioned                                     | Disbursed                                      | Sanctioned                                       | Disbursed                                        | Sanctioned   | Disbursed    |
| 1            | Andaman and Nicobar    | 5               | 3               | 2                                              | 2                                              | 50                                               | 41                                               | 57           | 46           |
| 2            | Andhra Pradesh         | 772             | 575             | 165                                            | 118                                            | 3159                                             | 2143                                             | 4096         | 2836         |
| 3            | Arunachal Pradesh      | 9               | 9               | 108                                            | 99                                             | 12                                               | 7                                                | 129          | 115          |
| 4            | Assam                  | 202             | 156             | 144                                            | 117                                            | 784                                              | 667                                              | 1130         | 940          |
| 5            | Bihar                  | 185             | 141             | 24                                             | 21                                             | 2056                                             | 1505                                             | 2265         | 1667         |
| 6            | Chandigarh             | 24              | 16              | 10                                             | 4                                              | 239                                              | 178                                              | 273          | 198          |
| 7            | Chhattisgarh           | 202             | 164             | 102                                            | 76                                             | 1559                                             | 1253                                             | 1863         | 1493         |
| 8            | Dadra and Nagar Haveli | 3               | 1               | 6                                              | 6                                              | 15                                               | 10                                               | 24           | 17           |
| 9            | Daman and Diu          | 3               | 3               | 0                                              | 0                                              | 24                                               | 21                                               | 27           | 24           |
| 10           | Goa                    | 15              | 16              | 7                                              | 6                                              | 222                                              | 158                                              | 244          | 180          |
| 11           | Gujarat                | 553             | 422             | 209                                            | 160                                            | 3814                                             | 2931                                             | 4576         | 3513         |
| 12           | Haryana                | 261             | 231             | 15                                             | 13                                             | 2089                                             | 1763                                             | 2365         | 2007         |
| 13           | Himachal Pradesh       | 217             | 194             | 75                                             | 71                                             | 593                                              | 514                                              | 885          | 779          |
| 14           | Jammu and Kashmir      | 41              | 35              | 70                                             | 69                                             | 184                                              | 164                                              | 295          | 268          |
| 15           | Jharkhand              | 124             | 95              | 91                                             | 74                                             | 1162                                             | 928                                              | 1377         | 1097         |
| 16           | Karnataka              | 556             | 407             | 140                                            | 98                                             | 2983                                             | 2360                                             | 3679         | 2865         |
| 17           | Kerala                 | 86              | 75              | 9                                              | 8                                              | 1703                                             | 1503                                             | 1798         | 1586         |
| 18           | Lakshadweep            | 0               | 0               | 1                                              | 1                                              | 0                                                | 0                                                | 1            | 1            |
| 19           | Madhya Pradesh         | 484             | 399             | 127                                            | 110                                            | 2408                                             | 2019                                             | 3019         | 2528         |
| 20           | Maharashtra            | 790             | 576             | 139                                            | 102                                            | 4064                                             | 2912                                             | 4993         | 3590         |
| 21           | Manipur                | 13              | 8               | 42                                             | 30                                             | 50                                               | 48                                               | 105          | 86           |
| 22           | Meghalaya              | 12              | 3               | 93                                             | 79                                             | 33                                               | 26                                               | 138          | 108          |
| 23           | Mizoram                | 11              | 9               | 122                                            | 93                                             | 8                                                | 6                                                | 141          | 108          |
| 24           | Nagaland               | 12              | 10              | 153                                            | 136                                            | 18                                               | 14                                               | 183          | 160          |
| 25           | NCT of Delhi           | 191             | 154             | 18                                             | 16                                             | 1959                                             | 1604                                             | 2168         | 1774         |
| 26           | Odisha                 | 235             | 177             | 71                                             | 56                                             | 1696                                             | 1287                                             | 2002         | 1520         |
| 27           | Puducherry             | 13              | 10              | 0                                              | 0                                              | 107                                              | 83                                               | 120          | 93           |
| 28           | Punjab                 | 295             | 235             | 23                                             | 14                                             | 1967                                             | 1542                                             | 2285         | 1791         |
| 29           | Rajasthan              | 378             | 308             | 213                                            | 185                                            | 2910                                             | 2437                                             | 3501         | 2930         |
| 30           | Sikkim                 | 14              | 11              | 54                                             | 45                                             | 50                                               | 27                                               | 118          | 83           |
| 31           | Tamil nadu             | 736             | 519             | 59                                             | 39                                             | 5188                                             | 3914                                             | 5983         | 4472         |
| 32           | Telangana              | 826             | 493             | 354                                            | 222                                            | 2977                                             | 1759                                             | 4157         | 2474         |
| 33           | Tripura                | 42              | 27              | 17                                             | 15                                             | 75                                               | 63                                               | 134          | 105          |
| 34           | Uttar Pradesh          | 1296            | 1030            | 100                                            | 84                                             | 7161                                             | 5933                                             | 8557         | 7047         |
| 35           | Uttarakhand            | 116             | 98              | 49                                             |                                                |                                                  |                                                  | 1240         |              |
| 36           |                        | 755             | 653             | 46                                             | 39                                             | 1075                                             | 904                                              |              | 1041         |
| West Total   | Bengal                 | 9477            | 7263            | 2858                                           | 40 2248                                        | 3623 56017                                       | 3049 43773                                       | 4424 68352   | 3742 53284   |

| Annexure-II                                                                                                                                                 | Annexure-II                                                                                                                                                 |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|
| List of banks which have not yet reported loans extended to SCs/STs entrepreneurs under Stand Up India Scheme on the Stand Up Mitra portal as on 09.12.2018 | List of banks which have not yet reported loans extended to SCs/STs entrepreneurs under Stand Up India Scheme on the Stand Up Mitra portal as on 09.12.2018 |
| 1                                                                                                                                                           | Private Sector Banks Axis Bank Limited                                                                                                                      |
| 2                                                                                                                                                           | Bandhan Bank Limited                                                                                                                                        |
| 3                                                                                                                                                           | Catholic Syrian Bank Limited                                                                                                                                |
| 4                                                                                                                                                           | City Union Bank Limited                                                                                                                                     |
| 5                                                                                                                                                           | DCB Bank Limited                                                                                                                                            |
| 6                                                                                                                                                           | Dhanlaxmi Bank Limited                                                                                                                                      |
| 7                                                                                                                                                           | IDFC Bank Limited                                                                                                                                           |
| 8                                                                                                                                                           | Karur Vysya Bank Limited                                                                                                                                    |
| 9                                                                                                                                                           | Kotak Mahindra Bank Limited                                                                                                                                 |
| 10                                                                                                                                                          | Lakshmi Vilas Bank Limited                                                                                                                                  |
| 11                                                                                                                                                          | Nainital Bank Limited                                                                                                                                       |
| 12                                                                                                                                                          | RBL Bank Limited                                                                                                                                            |
| 13                                                                                                                                                          | Tamilnad Mercantile Bank Limited                                                                                                                            |
| Scheduled Small Finance Banks                                                                                                                               | Scheduled Small Finance Banks                                                                                                                               |
| 1                                                                                                                                                           | Au Small Finance Bank Limited                                                                                                                               |
| 2                                                                                                                                                           | Capital Small Finance Bank Limited                                                                                                                          |
| 3                                                                                                                                                           | Equitas Small Finance Bank Limited                                                                                                                          |
| 4                                                                                                                                                           | Suryoday Small Finance Bank Limited                                                                                                                         |
| 5                                                                                                                                                           | Ujjivan Small Finance Bank Limited                                                                                                                          |
| 6                                                                                                                                                           | Utkarsh Small Finance Bank Limited                                                                                                                          |
| Foreign Banks                                                                                                                                               | Foreign Banks                                                                                                                                               |
| 1                                                                                                                                                           | AB Bank Limited                                                                                                                                             |
| 2                                                                                                                                                           | Abu Dhabi Commercial Bank PJSC                                                                                                                              |
| 3                                                                                                                                                           | Abu Dhabi Commercial Bank PJSC                                                                                                                              |
| 4                                                                                                                                                           | Australia & New Zealand Banking Group Limited                                                                                                               |
| 5                                                                                                                                                           | Bank of America                                                                                                                                             |
| 6                                                                                                                                                           | Bank of Bahrain and Kuwait B.S.C.                                                                                                                           |
| 7                                                                                                                                                           | Bank of Ceylon                                                                                                                                              |
| 8                                                                                                                                                           | Bank of Nova Scotia                                                                                                                                         |
| 9                                                                                                                                                           | Barclays Bank Plc                                                                                                                                           |
| 10                                                                                                                                                          | BNP Paribas                                                                                                                                                 |
| 11                                                                                                                                                          | Citibank N.A.                                                                                                                                               |
| 12                                                                                                                                                          | Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A.                                                                                                        |
| 13                                                                                                                                                          | Credit Agricole Corporate& Investment Bank                                                                                                                  |
| 14                                                                                                                                                          | Credit Suisse A.G                                                                                                                                           |
| 15                                                                                                                                                          | CTBC Bank Co. Limited                                                                                                                                       |
| 16                                                                                                                                                          | DBS Bank Limited                                                                                                                                            |
| 17                                                                                                                                                          | Deutsche Bank A.G.,                                                                                                                                         |
| 18                                                                                                                                                          | Doha Bank                                                                                                                                                   |
| 20                                                                                                                                                          | First Abu Dhabi Bank PJSC                                                                                                                                   |

| 21                   | FirstRand Bank Limited                             |
|----------------------|----------------------------------------------------|
| 22                   | Hong Kong and Shanghai Banking Corporation Limited |
| 23                   | Industrial& Commercial Bank of China Limited       |
| 24                   | Industrial Bank of Korea                           |
| 25                   | JP Morgan Chase Bank N.A.                          |
| 26                   | JSC VTB Bank                                       |
| 27                   | KEB Hana Bank                                      |
| 28                   | KEB Hana Bank                                      |
| 29                   | Krung Thai Bank Public Co. Limited                 |
| 30                   | Mashreqbank PSC                                    |
| 31                   | Mizuho Bank Limited                                |
| 32                   | National Australia Bank                            |
| 33                   | Qatar National Bank SAQ                            |
| 34                   | Sberbank                                           |
| 35                   | SBM Bank (Mauritius) Limited                       |
| 36                   | Shinhan Bank                                       |
| 37                   | Societe Generale India                             |
| 38                   | Sonali Bank Limited                                |
| 39                   | Standard Chartered Bank                            |
| 40                   | Sumitomo Mitsui Banking Corporation                |
| 41                   | The Bank of Tokyo - Mitsubishi UFJ, Limited        |
| 42                   | The Royal Bank of Scotland plc.                    |
| 43                   | United Overseas Bank Limited                       |
| 44                   | Westpac Banking Corporation                        |
| 45                   | Woori Bank                                         |
| Regional Rural Banks | Regional Rural Banks                               |
| 1                    | RRB Bihar KGB                                      |
| 2                    | RRB Chaitanya Godavari GB                          |
| 3                    | RRB Ellaquai Dehati Bank                           |
| 4                    | RRB Kaveri GB                                      |
| 5                    | RRB Kerala GB                                      |
| 6                    | RRB Madhyanchal GB                                 |
| 7                    | RRB Malwa GB                                       |
| 8                    | RRB Meghalaya Rural Bank                           |
| 9                    | RRB Mizoram Rural Bank                             |
| 10                   | RRB Nagaland Rural Bank                            |
| 11                   | RRB Purvanchal GB                                  |
| 12                   | RRB Rajasthan Marudhara GB                         |
| 13                   | RRB Saurashtra GB                                  |
| 14                   | RRB Sutlej GB                                      |
| 15                   | RRB Telangana GB                                   |
| 16                   | RRB Uttar Banga KGB                                |
| 17                   | RRB Uttar Bihar GB                                 |
| 18                   | RRB Vananchal GB                                   |