opensansad/lok-sabha-qa huggingface dataset:
Lok Sabha Question No. 4033 (UNSTARRED), answered on 2019-01-04
Subject: Kidney related Diseases
Ministry: HEALTH AND FAMILY WELFARE
Asked by: RAM TAHAL CHOUDHARY, BHEEMRAO BASWANTHRAO PATIL, VIJAY KUMAR HANSDAK, RAMA DEVI, HARISHCHANDRA DEORAM CHAVAN

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

## LOK  SABHA UNSTARRED QUESTION NO. 4033 TH

TO BE ANSWERED ON 04 JANUARY, 2019

## KIDNEY RELATED DISEA SES

## 4033. SHRI RAM TAHAL CHOUDHARY:

SHRI BHEEMRAO B. PATIL:

SHRI VIJAY KUMAR HANSDAK:

SHRIMATI RAMA DEVI:

SHRI HARISHCHANDRA CHAVAN:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) whether the Government is aware of steep rise in the number of kidney related diseases in the country;
- (b) if so, the details thereof indicating the number of patients reported with kidney failure during the last two years, state/UT - wise;
- (c)  whether  the  Government  has conducted  any  survey  regarding  the  rise  in kidney  related diseases in the country and if so, the details and the outcome thereof;
- (d) whether the Government has taken note of the fact that the dialysis machines are inadequate and dialysis facilities are very costly and inaccessible to ordinary patients in the country and if so, the details thereof; and
- (e)  the  corrective  measures  taken  by the  Government  and  strategy  formulated to  tackle  the situation?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SMT. ANUPRIYA PATEL )

(a) to (c): As informed by Indian Council of Medical Research (ICMR), Disability Adjusted Life Years (DALY) related to chronic kidney disease have increased by 12% between 1990 2016 as per the Global Burden of Disease - India study. The data regarding number of patients reported with kidney fai lure are not maintained centrally.

ICMR has undertaken a study on prevalence of CKD in the Indian population in a mult -centric project initiated at 7 centers of the country viz. Delhi, Jaipur, Hyderabad, Bhu Kolkata, Guwahati, Mumbai.  The initi al trends of data indicates a community prevalence of CKD on first screening ranging from 5.5% to 18.2% with an average prevalence of 11.4% first screening

(d) & (e): Health  is  a  State  subject,  however,  under  National  Health  Mission  (NHM) support  is extended  to  States/UTs  to  strengthen  their  healthcare  system  for  provision accessible, affordable and quality health care to the citizens based on the proposals sub the States/UTS in their Programme Implementation Plans.  Pradhan Mantri Nationa l Dialysis Programme (PMNDP) was rolled out in 2016 as part of the National Health Mission (NHM) fo provision of free dialysis services to the BPL and at a very low rate APL. A total of 427 have  been  covered  with  618  Centres  having  3381  machines with  a  combined  capacity  of performing approximately 42 Lakhs Haemodialysis Sessions.
Lok Sabha Question No. 4030 (UNSTARRED), answered on 2019-01-04
Subject: Interest Income of PSBs
Ministry: FINANCE
Asked by: PANKAJ CHOWDHARY

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

## LOK SABHA

## UNSTARRED QUESTION NO. †4030

TO BE ANSWERED ON THE 4 TH  JANUARY  2019/ PAUSHA  14, 1940  (SAKA)

Interest Income of PSBs †4030. SHRI PANKAJ  CHAUDHARY:

Will  the Minister  of FINANCE  be pleased to state:

the details  of total  income  earned  by  the Public  Sector  Banks  (PSBs) in the form  of interest  in the financial  year  2017-18?

## ANSWER Minister of State in the Ministry  of Finance

## (SHRI SHIV PRATAP  SHUKLA)

As  per  inputs   received   from   RBI,  details   of  interest   income   earned   by   PSBs  net  of interest   expenses  ( i.e., net  interest   income)   during   the  last  four   financial   years   (FYs), including  FY2017-18 are at Annex.

## Lok Sabha Unstarred  Question  No. †4030,  for  4.1.2019,  regarding  'Interest Income of PSBs'

Amounts  in crore  Rs.

## Details of interest  income earned by PSBs net of interest  expenses ( i.e., net interest  income)

| Financial Year   | Net InterestIncome   |
|------------------|----------------------|
| 2014-15          | 1,96,784.70          |
| 2015-16          | 1,98,687.60          |
| 2016-17          | 2,00,485.26          |
| 2017-18          | 2,05,209.45          |

Source: RBI
Lok Sabha Question No. 4029 (UNSTARRED), answered on 2019-01-04
Subject: Dowry Cases
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: E. T. MOHAMMED BASHEER

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 4029 TO BE ANSWERED ON 04.01.2019

## DOWRY CASES

4029. SHRI E.T. MOHAMMED BASHEER: DR. BANSHILAL MAHATO:

Will the Minister of WOMEN AND CHILD DEVELOPMENT be pleased to state:

- (a) whether the Government is aware that the dowry system is still prevalent in certain parts of the Country and if so, the details thereof;
- (b) whether  instances of harassment  for  dowry/dowry  cases  have  declined  after the enforcement of Dowry Prohibition Act and if so, the details thereof;
- (c) whether the Government proposes to take further regulatory mechanism or to amend the existing legislation to curb the dowry system and if so, the details thereof; and
- (d) the steps taken/proposed to be taken by the Government to create awareness on Dowry Prohibition Act to safeguard women against dowry harassment in the country?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF WOMEN AND CHILD DEVELOPMENT (DR. VIRENDRA KUMAR)

- (a) &  (b):  As  per  National  Crime  Records  Bureau  (NCRB)  report,  a  total  number  of  10050 cases  in  2014,  9894  cases  in  2015  and  9683  cases  in  2016  were  reported  under  the Dowry Prohibition Act, 1961.
- (c) & (d): State Governments/Union Territory Administrations are responsible for implementation  of  the  Dowry  Prohibition  Act.  The  Ministry  reviews  with  the  States/UTs from  time  to  time  for  effective  implementation  of  the  Dowry  Prohibition  Act,  1961. Government of India regularly conducts awareness generation programmes and publicity campaigns  on  various  laws  relating  to  women  including  Dowry  Prohibition  Act,  1961 through  workshops,  fairs,  cultural  programmes,  seminars,  training  programmes,  etc. Advertisements  are  regularly  brought  out  in  the  print  and  electronic  media  to  create awareness on laws relating to rights of women.

********
Lok Sabha Question No. 4027 (UNSTARRED), answered on 2019-01-04
Subject: Unutilised Health Funds
Ministry: HEALTH AND FAMILY WELFARE
Asked by: PRITAM GOPINATH MUNDE, VINAYAK BHAURAO RAUT, SHIVAJI ADHALRAO PATIL, Shrirang Appa Barne

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

## LOK  SABHA UNSTARRED QUESTION NO. 4027 TO BE ANSWERED ON 04 TH JANUARY, 2019

## UNUTILISED HEALTH FU NDS

## 4027. DR. PRITAM GOPINATH MUNDE:

SHRI VINAYAK BHAURAO RAUT:

SHRI ADHALRAO PATIL SHIVAJIRAO:

SHRI SHRIRANG APPA BARNE:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) whether the total expenditure on health is below 4 per cent of the GDP while the Government expenditure is below 1.3 per cent of GDP;
- (b) if so, the details and the reasons therefor;
- (c) whether the Government has set up target of expenditure of GDP on health sector and actual expenditure incurred during each of the last three years, if so, the details thereof;
- (d)  whether  despite  massive infrastructure  needs  and  resource  crunch the  Government  had recently returned over Rs. 1,500 crore of the unutilized funds;
- (e) if so, the details thereof along with reasons erefor;
- (f)  whether  the  Government proposesto  set  any  target  of  expenditure  on  health sector  to  be achieved by 2025 and declare health as a fundamental right; and
- (g) if so, the details thereof along with the plan prepared by the Government to achieve it?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SMT. ANUPRIYA PATEL )

- (a)& (b): Yes. As per the National Health Account estimates for India 2015 - 16,  the total expenditure  incurred  on  health  as  a  percentage  of  GDP  is  3.84%.  The  Government  Heal Expenditure is 1.18% of GDP.

In 2004 - 05 share of Public health expenditure as a percentage of GDP was 0.84%, whic has increased to 1.13% of GDP in 2014 - 15 and further to 1.18% in 2015 - 16.

(c) : Yes, the National Health Policy proposes raising the public health expenditure to of the GDP in a time bound manner by 2025 from the current spending levels .

As per the National Health Accounts Estimates for India, Government expenditure on hea for the latest available years is as follows :

2013- 14 -Rs.1,29,778 Crores 2014- 15 -Rs.1,39,949 Crores 2015- 16 -Rs.1,61,863 Crores

(d) & (e) : Ministry of Health and Family Welfare  surrendered Rs. 1048.91 Crore in the ye 2017- 18.Gross saving of Rs. 1048.91 crore was mainly due to non - filling up of vacant posts, non finalization of procurement proposals, unspent balance lying with the States/Institutes, -finalization  of  MoUs  within  the  Executing  Agencies,  non - r ceipt  of  UCs,  low  absorption  of funds by States of North -Eastern Region and by the Grantee Bodies, tender related delays etc.

(f) & (g): The  National  Health  Policy  envisages  raising  Government  health  spending  t 2.5%  of  GDP  by  2025  in  a  time  bound  manner.    At  present,  there  is  no  proposal  with Government to declare health as a fundamental right.
Lok Sabha Question No. 4026 (UNSTARRED), answered on 2019-01-04
Subject: Government Hospitals
Ministry: HEALTH AND FAMILY WELFARE
Asked by: Kunhalikutty, P.K.

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

LOK  SABHA UNSTARRED QUESTION NO. 4026 TO BE ANSWERED ON 04 TH JANUARY, 2019

## GOVERNMENT HOSPITALS

## 4026. SHRI P.K.KUNHALIKUTTY:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) the number of new hospitals established by the Government in the country since 2014; and
- (b) the number of beds increased in the existing Government hospitals since 2014, hospitals -wise?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SHRI ASHWINI KUMAR CHOUBEY)

- (a) : Public Health and hospitals being a State subject, the primary responsibility of pr accessible,  affordable  and  quality  healthcare  including  setting up  of  new  hospitals  and  up gradation  and  strengthening  of  existing  health  facilities  and  increasing  bed  streng affordable health care to its citizens lies with the State Governments. Hence informatio number of new hospitals established is n ot available centrally with the Union Government.
- (b) : As per information available from the National Health Profile data the total numb beds have increased from 6,75,779 in 2015 to 7,10,761 in 2018 indicating increase of 3 number of beds since 2015. The data reflects number of beds in Government Hospitals which includes  Central  Government,  State  Government  and  Local  Govt.  Bodies.  However,  data regarding increase of beds hospital wise is not maintained centrally.
Lok Sabha Question No. 4023 (UNSTARRED), answered on 2019-01-04
Subject: Demonetization
Ministry: FINANCE
Asked by: Sunil Kumar Jakhar

## GOVERNMENT  OF INDIA MINISTRY OF FINANCE DEPARTMENT  OF ECONOMIC  AFFAIRS

## LOK SABHA

## TO BE

## 4023. SHRI SUNIL JAICIAR:

## WiIl the Minister  of FINAIT{CE  be pleased to state:

- a) the number ofRs. 500 and Rs. 1000 denomination  notes in circulation  across the country on the day of announcement of demonetization  in the year 2016;
- b) the value of currency notes of the demonetized  notes deposited in banks post demonetisation;
- c) the details of voluntary  declaration of black money  and the amount  recovered  through it post demonetisation including the number  ofpeople using' that option;  and
- d) The value of black money recovered by the Govemment  post demonetization?

## ANSWER

## MINISTER OF STATE IN THE MI}TISTRY OF FINANCE (SHRI  P. RADHAKRISHNAI9

- (a) The total value  of Specified  Bank Notes in circulation  as on November 8, 2016 post verificati and reconciliation,  was Rs. 15,417.93 billion.
- (b) The total value of Specified  Bank Notes retumed  from circulation  is Rs. 15,3 10.73 billion.
- (c) Information  is being collected.
- (d) lnformation  is being collected.

## T DOUESTIONNO. 4023 ANSWERED ON th  JANU .2019t 4th  PAUSHA SAKA. 1940

Demonetization

## oUESTION

--\_-----
Lok Sabha Question No. 4019 (UNSTARRED), answered on 2019-01-04
Subject: Prevent Defaulters Escaping the Country
Ministry: FINANCE
Asked by: PARVESH SAHIB SINGH

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

## LOK SABHA

## UNSTARRED QUESTION NO. 4019 TO BE ANSWERED ON FRIDAY, JANUARY 4, 2019/PAUSHA 14, 1940 (SAKA) PREVENT DEFAULTERS ESCAPING THE COUNTRY

## 4019. SHRI PARVESH SAHIB SINGH:

Will the Minister of FINANCE be pleased to state:

- (a) whether  providing  more  autonomy  to  CEO/Chairman  of  Public  Sector  Bank  to issue look out circular is likely to prevent defaulters committing fraud and escaping the country;
- (b) if so, the details thereof; and
- (c) the steps taken by the Government to bring back defaulters to India who escaped the country with huge amount of pending loans?

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

- (a) and (b) : The Government has amended the Look Out Circular (LOC) Guidelines. An LOC may now also be opened/ originated after the approval of an officer not below the rank  of  Chairman/  Managing  Directors/  Chief  Executive  of  all  Public  Sector  Banks (PSBs).
- (c): The Fugitive Economic Offenders Act, 2018 has been passed by the Parliament, to provide for measures to deter fugitive economic offenders from evading the process of law in India by staying outside the jurisdiction of Indian courts.

***
Lok Sabha Question No. 4017 (UNSTARRED), answered on 2019-01-04
Subject: Environment Norms
Ministry: ENVIRONMENT,  FORESTS AND CLIMATE CHANGE
Asked by: NAGENDRA KUMAR PRADHAN

## GOVERNMENT OF INDIA MINISTRY OF ENVIRONMENT, FOREST AND CLIMATE CHANGE

## LOK SABHA UNSTARRED QUESTION NO.4017

TO BE ANSWERED ON 04.01.2019

## Environment Norms

## 4017. SHRI NAGENDRA KUMAR PRADHAN :

Will the Minister of ENVIRONMENT, FOREST AND CLIMATE CHANGE be pleased to state:

- (a) whether the Government has revised environment norms relating to power sector in the year 2015; and
- (b) if so, the details thereof ?

## ANSWER

## MINISTER  OF  STATE  IN  THE  MINISTRY  OF  ENVIRONMENT,  FOREST  AND CLIMATE CHANGE (DR. MAHESH SHARMA)

- (a) & (b) Ministry  of  Environment,  Forest  and  Climate  Change  (MoEF&CC)  has notified revised environment emission norms for Thermal Power Plants (TPPs) vide S.O.3305  (E)  dated  07/12/2015  under  Environmental  (Protection)  Act,  1986  with respect to Sulphur dioxide (SO2), Oxides of Nitrogen (NOx), and Particulate Matter (PM) etc.,

***
Lok Sabha Question No. 4016 (UNSTARRED), answered on 2019-01-04
Subject: Cleaning of Rivers
Ministry: ENVIRONMENT,  FORESTS AND CLIMATE CHANGE
Asked by: SANTOKH SINGH CHAUDHARY

## GOVERNMENT OF INDIA MINISTRY OF ENVIRONMENT, FOREST AND CLIMATE CHANGE

## LOK SABHA UNSTARRED QUESTION NO.4017

TO BE ANSWERED ON 04.01.2019

## Environment Norms

## 4017. SHRI NAGENDRA KUMAR PRADHAN :

Will the Minister of ENVIRONMENT, FOREST AND CLIMATE CHANGE be pleased to state:

- (a) whether the Government has revised environment norms relating to power sector in the year 2015; and
- (b) if so, the details thereof ?

## ANSWER

## MINISTER  OF  STATE  IN  THE  MINISTRY  OF  ENVIRONMENT,  FOREST  AND CLIMATE CHANGE (DR. MAHESH SHARMA)

- (a) & (b) Ministry  of  Environment,  Forest  and  Climate  Change  (MoEF&CC)  has notified revised environment emission norms for Thermal Power Plants (TPPs) vide S.O.3305  (E)  dated  07/12/2015  under  Environmental  (Protection)  Act,  1986  with respect to Sulphur dioxide (SO2), Oxides of Nitrogen (NOx), and Particulate Matter (PM) etc.,

***
Lok Sabha Question No. 4014 (UNSTARRED), answered on 2019-01-04
Subject: Formation of Fiscal Council
Ministry: FINANCE
Asked by: PINAKI MISRA

## Government of India Ministry of Finance Department of Economic Affairs

## LOK SABHA

UNSTARRED QUESTION NO. 4014 To be answered on Friday, January 4, 2019/Pausha 14, 1940 (Saka)

## FORMATION OF FISCAL COUNCIL

## 4014. SHRI PINAKI MISRA:

Will the Minister of FINANCE be pleased to state:

- (a) whether top economists and experts have suggested to the Government that the  credibility  of  the  finance  budget  should  be  improved  by  sticking  to  the targets set and making more realistic projections, if so, the details thereof;
- (b) whether  they  have  suggested  the  formation  of  a  fiscal  council  to  evaluate budget estimates and fiscal targets that it should be answerable not only to his Ministry but legislative body as well;
- (c) if  so,  whether  his  Ministry  proposes  to  constitute  the  fiscal  council  based  on these recommendations; and
- (d) if so, the details thereof and the time by which the suggestions/ recommendations are likely to be implemented?

## A N S W E R

## MINISTER OF STATE FOR FINANCE (SHRI PON. RADHAKRISHNAN)

- (a) & (b):  Yes,  Sir.  The  FRBM  Review  Committee  constituted  by  the  Government comprehensively reviewed and gave recommendations on the FRBM roadmap for future. It had recommended  to constitute a Fiscal Council to provide an independent  assessment  of  the  Central  Government's  fiscal  performance  and compliance with targets set under the FRBM Act and to provide policy guidance to Central Government on any matter relating to fiscal policy where advice is sought.
- (c) & (d):  Recommendations of the Committee to constitute Fiscal Council has not been accepted. However, the Government, as reflected in the announcement made in para 142 of the Finance Minister's Budget Speech for 2018-19 on the 1 st  February, 2018, has accepted the key recommendations of the Committee relating to adoption of the Debt Rule and to use Fiscal Deficit target as the key operational target. The FRBM Act, 2003 has been amended with Finance Act, 2018 (Act 13 of 2018).

*****
Lok Sabha Question No. 4013 (UNSTARRED), answered on 2019-01-04
Subject: Implementation of Paris Pact
Ministry: ENVIRONMENT,  FORESTS AND CLIMATE CHANGE
Asked by: SANJAY HARIBHAU JADHAV

## GOVERNMENT OF INDIA MINISTRY OF ENVIRONMENT, FOREST AND CLIMATE CHANGE

## LOK SABHA UNSTARRED QUESTION NO.4013

TO BE ANSWERED ON 04.01.2019

## Implementation of Paris Pact

## 4013.  SHRI SANJAYHARIBHAU JADHAV:

Will  the  Minister  of  ENVIRONMENT,  FOREST  AND  CLIMATE  CHANGE  be  pleased  to state:

- (a) whether it is a fact that India had announced at the informal meeting of BRICS leaders on sidelines of the G-20 Summit in Hamburg, Germany to implement Paris Pact in 'Letter and Spirit' and if so, the details thereof;';
- (b) whether, besides India, the other BRICS members have shown reluctance to implement this agreement and if so, the details thereof; and
- (c) the role being played by USA and other Member Countries in regard to Global deal on climate change?

## ANSWER

## MINISTER  OF  STATE  IN  THE  MINISTRY  OF  ENVIRONMENT,  FOREST  AND CLIMATE CHANGE (DR. MAHESH SHARMA)

(a)and(b)The BRICS Leaders vide the Press Communique of the Informal Meetingheld on the sidelines  of  G20  Summit  in  Hamburg,  Germany,  called  upon  the  international  community  to jointly  work  towards  implementation  of  the  Paris  Agreement  and  to  fulfill  commitments  to provide  financial  and  technical  support  to  developing  countries  in  meeting  their  climate challenges.India reiterated its commitment to implementing Paris Agreement in letter and spirit and  described  its  implementation  globally  as  essential  to  fighting  climate  change.  The  Paris Agreement has to be implemented in post 2020 period. Currently pre 2020 actions under Kyoto Protocol second commitment period are being undertaken.

(c)Currently,  184  Parties  have  ratified  the  Paris  Agreement  including  India,  China,USA,  UK, France,  Germany  etc.  Only  USA  has  submitted  a  written  communication  to  UN  SecretaryGeneral stating its intent to withdraw from the Paris Agreement.
Lok Sabha Question No. 4012 (UNSTARRED), answered on 2019-01-04
Subject: G-20 Group
Ministry: FINANCE
Asked by: PREM SINGH CHANDUMAJRA

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF ECONOMIC AFFAIRS

## LOK SABHA UNSTARRED QUESTION No.4012 TO BE ANSWERED ON JANUARY 04,2019

G-20

## 4012. Shri. PREM SINGH CHANDUMAJRA

Will the Minister of FINANCE be pleased to state:

- (a) whether membership of the G-20 comprises of the developed economics of the world;
- (b) if s0, the details in this regard;
- (c) whether India is at the lower pedestal among the said developed economics;
- (d) if so, the details in this regard; and
- (e) the rank at which India is placed among these Nations?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PON. RADHAKRISHNAN)

- a) and (b): The membership of the G-20 comprises of 19 developed and developing countries and the European  Union. These 19 member countries are; Argentina, Australia, Brazil, Canada, China, France, Germany, India, Indonesia, Italy, Japan; Republic of Korea, Mexico, Russia, Saudi Arabia, South Africa; Turkey, United Kingdom, and United States
2. (c) to (e): No, Sir: G20 does not rank the countries  However; according to World Banks' Gross Domestic Product   (GDP) 2017  rankings for countries:
Lok Sabha Question No. 4011 (UNSTARRED), answered on 2019-01-04
Subject: Interest Rates on Home/ Vehicle Loans
Ministry: FINANCE
Asked by: LALLU SINGH, BHAVANA GAWALI (PATIL), KRUPAL BALAJI TUMANE, REKHA ARUN VERMA

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UN-STARRED QUESTION NO. 4011

## TO BE ANSWERED ON 4 th  JANUARY, 2019/ 14 PAUSHA 1940(SAKA)

' Interest Rates on Home/Vehicle Loans'

## 4011. SHRI  LALLU SINGH:

SHRIMATI BHAVANA PUNDALIKRAO GAWALI PATIL: SHRI KRUPAL BALAJI TUMANE: SHRIMATI REKHA VERMA:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the increase in the interest rates on home loans and vehicle loans from 2008, as on date;
- (b) whether  the  increase  in  interest  rates  on  home  loans/vehicle  loans  have  led  to  a decrease in the number of such loan seekers and if so, the details thereof;
- (c) whether the Government proposes to cut the home/vehicle loan interest rates and the Government  has  directed  the  Reserve  Bank  of  India  to  ask  the  banks  to  lower  the interest rates on home loans/vehicle loans and if so, the details thereof;
- (d) whether the Government has taken cognizance that inspite of State Bank of India (SBI) reducing its rate of interest considerably on loans, several private banks are yet to do so, if so, the details thereof; and
- (e) the steps taken by the Government to ensure uniform policy to be followed by the public sector and private sector banks on interest rates on loans in the country?

## ANSWER

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

- (a) Overall, interest rates of Public Sector Banks(PSBs) for home loans and vehicle loans have declined from 2008 to 2018, as per data available in this regard.
- (b) Does not arise in view of (a) above.
- (c) to (e)Reserve Bank of India (RBI) has deregulated the interest rates on advances sanctioned by  Scheduled  Commercial  Banks  (SCBs).  As  per  extant  framework,  banks  including private sector banks have to compute actual interest rates on advances by adding the component of spread to the Marginal Cost of Funds based Lending Rates (MCLR) which is the internal benchmark for such purpose. Accordingly, the rate of interest charged by banks to the borrower varies from bank to bank and depends on various factors such as marginal  cost  of  funds,  negative  carry  on  account  of  Cash  Reserve  Ratio,  operating costs and tenor premium.

****