Lok Sabha Question No. 1838 (UNSTARRED), answered on 2018-07-27
Subject: Banking Facility in Gram Panchayats
Ministry: FINANCE
Asked by: RAJAN BABURAO  VICHARE

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No.  1838

To be answered on Friday, July 27, 2018/Shravana 5, 1940 (Saka)

## Banking Facility in Gram Panchayats

## 1838. SHRI RAJAN VICHARE:

Will the Minister of FINANCE be pleased to state:

- (a) the total number of gram panchayats and villages having banking facilities, State/UT-wise particularly in Maharashtra;
- (b) the details of the scheme to provide banking facility in those villages not having such facilities; and
- (c) the modalities employed to implement Direct Benefit Transfer in the accounts of the beneficiaries?

## Answer The  Minister of State in the Ministry of Finance (SHRI  SHIV PRATAP SHUKLA)

- (a)  As  informed  by  Reserve  Bank  of  India  (RBI),  the  details  of  gram  panchayats  and  villages  having banking  facilities  is  not  available  with  them.  However  data  related  to  the  functioning  branches  of scheduled commercial banks State/UT wise and population group wise is Annexed.
- (b) As per extant guidelines dated 18.5.2017 on rationalizing of Branch Authorisation Policy, Reserve Bank  of     India  (RBI)  has  granted general permission     to  domestic Scheduled     Commercial     Banks (excluding  Regional  Rural  Banks),  to     open  banking  outlets     at any  place in  the  country,  without seeking    prior approval of    RBI in each    case, subject to at least 25 percent    of the total number    of banking outlets    opened    during a financial year   being in    unbanked    rural centres with population less than 10,000.
- (c)  Direct  Benefit  Transfer  (DBT) Mission, Cabinet Secretariat has informed that under DBT, benefits like  wage  payments,  fuel  subsidies,  food  grain  subsidies  etc.  are  sent  directly  into  the  beneficiaries' account. The benefits are transferred using preferably Aadhaar Payment Bridge (APB), or through NEFT/ RTGS.

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| Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   | Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   | Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   | Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   | Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   | Annexure to Lok Sabha unstarred question no. 1838 for 27.7.2018 regarding Banking Facility in Gram Panchayat   |
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| Region/State/ UTs                                                                                              | RURAL                                                                                                          | SEMI-URBAN                                                                                                     | URBAN                                                                                                          | METROPOLITAN                                                                                                   | TOTAL                                                                                                          |
| CENTRAL REGION                                                                                                 |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| CHHATTISGARH                                                                                                   | 1,063                                                                                                          | 692                                                                                                            | 490                                                                                                            | 293                                                                                                            | 2,538                                                                                                          |
| MADHYA PRADESH                                                                                                 | 2,306                                                                                                          | 1,932                                                                                                          | 1,074                                                                                                          | 1,309                                                                                                          | 6,621                                                                                                          |
| UTTAR PRADESH                                                                                                  | 7,716                                                                                                          | 3,840                                                                                                          | 2,820                                                                                                          | 2,670                                                                                                          | 17,046                                                                                                         |
| UTTARAKHAND                                                                                                    | 938                                                                                                            | 527                                                                                                            | 597                                                                                                            | 0                                                                                                              | 2,062                                                                                                          |
| Total                                                                                                          | 12,023                                                                                                         | 6,991                                                                                                          | 4,981                                                                                                          | 4,272                                                                                                          | 28,267                                                                                                         |
| EASTERN REGION                                                                                                 |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| ANDAMAN &NICOBAR IS                                                                                            | 23                                                                                                             | 12                                                                                                             | 33                                                                                                             | 0                                                                                                              | 68                                                                                                             |
| BIHAR                                                                                                          | 3,266                                                                                                          | 2,203                                                                                                          | 1,061                                                                                                          | 496                                                                                                            | 7,026                                                                                                          |
| JHARKHAND                                                                                                      | 1,348                                                                                                          | 778                                                                                                            | 441                                                                                                            | 445                                                                                                            | 3,012                                                                                                          |
| ODISHA                                                                                                         | 2,568                                                                                                          | 1,273                                                                                                          | 1,026                                                                                                          | 0                                                                                                              | 4,867                                                                                                          |
| SIKKIM                                                                                                         | 72                                                                                                             | 20                                                                                                             | 53                                                                                                             | 0                                                                                                              | 145                                                                                                            |
| WEST BENGAL                                                                                                    | 3,662                                                                                                          | 1,658                                                                                                          | 1,805                                                                                                          | 1,643                                                                                                          | 8,768                                                                                                          |
| Total                                                                                                          | 10,939                                                                                                         | 5,944                                                                                                          | 4,419                                                                                                          | 2,584                                                                                                          | 23,886                                                                                                         |
| NORTH EASTERN REGION                                                                                           |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| ARUNACHAL PRADESH                                                                                              | 73                                                                                                             | 81                                                                                                             | 0                                                                                                              | 0                                                                                                              | 154                                                                                                            |
| ASSAM                                                                                                          | 1,309                                                                                                          | 739                                                                                                            | 608                                                                                                            | 0                                                                                                              | 2,656                                                                                                          |
| MANIPUR                                                                                                        | 80                                                                                                             | 43                                                                                                             | 60                                                                                                             | 0                                                                                                              | 183                                                                                                            |
| MEGHALAYA                                                                                                      | 170                                                                                                            | 77                                                                                                             | 101                                                                                                            | 0                                                                                                              | 348                                                                                                            |
| MIZORAM                                                                                                        | 67                                                                                                             | 53                                                                                                             | 75                                                                                                             | 0                                                                                                              | 195                                                                                                            |
| NAGALAND                                                                                                       | 53                                                                                                             | 72                                                                                                             | 41                                                                                                             | 0                                                                                                              | 166                                                                                                            |
| TRIPURA                                                                                                        | 235                                                                                                            | 188                                                                                                            | 114                                                                                                            | 0                                                                                                              | 537                                                                                                            |
| Total                                                                                                          | 1,987                                                                                                          | 1,253                                                                                                          | 999                                                                                                            | 0                                                                                                              | 4,239                                                                                                          |
| NORTHERN REGION                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| CHANDIGARH                                                                                                     | 11                                                                                                             | 6                                                                                                              | 383                                                                                                            | 0                                                                                                              | 400                                                                                                            |
| HARYANA                                                                                                        | 1,616                                                                                                          | 1,206                                                                                                          | 1,745                                                                                                          | 259                                                                                                            | 4,826                                                                                                          |
| HIMACHAL PRADESH                                                                                               | 1,209                                                                                                          | 311                                                                                                            | 83                                                                                                             | 0                                                                                                              | 1,603                                                                                                          |
| JAMMU &KASHMIR                                                                                                 | 890                                                                                                            | 411                                                                                                            | 279                                                                                                            | 182                                                                                                            | 1,762                                                                                                          |
| NCT OF DELHI                                                                                                   | 68                                                                                                             | 89                                                                                                             | 12                                                                                                             | 3,371                                                                                                          | 3,540                                                                                                          |
| PUNJAB                                                                                                         | 2,534                                                                                                          | 2,015                                                                                                          | 1,169                                                                                                          | 726                                                                                                            | 6,444                                                                                                          |
| RAJASTHAN                                                                                                      | 2,853                                                                                                          | 2,044                                                                                                          | 1,260                                                                                                          | 1,007                                                                                                          | 7,164                                                                                                          |
| Total                                                                                                          | 9,181                                                                                                          | 6,082                                                                                                          | 4,931                                                                                                          | 5,545                                                                                                          | 25,739                                                                                                         |
| SOUTHERN REGION                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| ANDHRA PRADESH                                                                                                 | 2,383                                                                                                          | 2,065                                                                                                          | 1,640                                                                                                          | 765                                                                                                            | 6,853                                                                                                          |
| KARNATAKA                                                                                                      | 3,485                                                                                                          | 2,347                                                                                                          | 2,039                                                                                                          | 2,228                                                                                                          | 10,099                                                                                                         |
| KERALA                                                                                                         | 331                                                                                                            | 4,500                                                                                                          | 1,424                                                                                                          | 0                                                                                                              | 6,255                                                                                                          |
| LAKSHADWEEP                                                                                                    | 6                                                                                                              | 7                                                                                                              | 0                                                                                                              | 0                                                                                                              | 13                                                                                                             |
| PUDUCHERRY                                                                                                     | 51                                                                                                             | 72                                                                                                             | 119                                                                                                            | 0                                                                                                              | 242                                                                                                            |
| TAMIL NADU                                                                                                     | 2,926                                                                                                          | 3,901                                                                                                          | 1,498                                                                                                          | 2,477                                                                                                          | 10,802                                                                                                         |
| TELANGANA                                                                                                      | 1,536                                                                                                          | 1,157                                                                                                          | 608                                                                                                            | 1,876                                                                                                          | 5,177                                                                                                          |
| Total                                                                                                          | 10,718                                                                                                         | 14,049                                                                                                         | 7,328                                                                                                          | 7,346                                                                                                          | 39,441                                                                                                         |
| WESTERN REGION                                                                                                 |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |                                                                                                                |
| DADRA &NAGARHAVELI                                                                                             | 14                                                                                                             | 47                                                                                                             | 0                                                                                                              | 0                                                                                                              | 61                                                                                                             |
| DAMAN &DIU                                                                                                     | 3                                                                                                              | 44                                                                                                             | 0                                                                                                              | 0                                                                                                              | 47                                                                                                             |
| GOA                                                                                                            | 279                                                                                                            | 394                                                                                                            | 0                                                                                                              | 0                                                                                                              | 673                                                                                                            |
| GUJARAT                                                                                                        | 2,488                                                                                                          | 2,004                                                                                                          | 1,265                                                                                                          | 2,132                                                                                                          | 7,889                                                                                                          |
| MAHARASHTRA                                                                                                    | 3,116                                                                                                          | 2,888                                                                                                          | 1,429                                                                                                          | 4,976                                                                                                          | 12,409                                                                                                         |
| Total                                                                                                          | 5,900                                                                                                          | 5,377                                                                                                          | 2,694                                                                                                          | 7,108                                                                                                          | 21,079                                                                                                         |
| All India                                                                                                      | 50,748                                                                                                         | 39,696                                                                                                         | 25,352                                                                                                         | 26,855                                                                                                         | 1,42,651                                                                                                       |

Source: Reserve Bank of India (RBI)