Lok Sabha Question No. 42 (UNSTARRED), answered on 2019-11-18
Subject: Bank Loan Targets
Ministry: FINANCE
Asked by: Ashok Kumar Rawat

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

## LOK SABHA UNSTARRED QUESTION NO. †42

TO BE ANSWERED ON THE 18 TH NOVEMBER 2019/ KARTIKA 27, 1941 (SAKA)

## Bank Loan Targets

## †42. SHRI ASHOK KUMAR RAWAT:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the public sector banks located especially in backward and rural areas of the country as on date, State-wise and Bank-wise;
- (b) the details of the deposits and loans given during the last three years, State-wise and branch-wise;
- (c) whether the branches of banks have achieved their targets of loan disbursement especially in backward and rural areas;
- (d) if so, the details thereof and if not, the reasons therefor; and
- (e) the steps being taken or proposed to be taken by the Government to achieve the said targets?

## ANSWER

## THE MINISTER OF STATE FOR FINANCE (SHRI ANURAG SINGH THAKUR)

(a) to (e): Reserve Bank of India (RBI) collects, collates and publishes data on bank branch locations and bank deposits and loans. RBI data categorises location only as rural, semi-urban, urban and metropolitan. RBI data on deposits and loans is available for the bank as a whole. As per RBI information, Stateand Unionterritory-wise details of Public Sector Bank (PSB) branches located in rural and semi-urban areas are at Annexure 1, and the bank-wise details of deposits and loans outstanding of PSBs during the last three financial years are at Annexure 2. As regards branch loan disbursement targets, it is informed that branches are not given targets for loan disbursement. Banks target total credit outstanding and as per RBI data on domestic operations, gross loans and advances of PSBs grew by Rs. 5,32,053 crore during the financial year 2018-19, registering credit growth of 10.1%.

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## Lok sabha unstarred question no. *42 for 18 th November 2019, regarding 'Bank Loan Targets'

## Number of branches of Public Sector Banks located in rural and semi-urban areas as on 30.6.2019

|                          | Allahabad Bank   | Andhra Bank   | BoB   | BoI   | BoM   | Canara Bank   | Central Bank of India   | Corporation Bank   | Indian Bank   | IOB   | OBC    | P&SB   | PNB   | State Bank of India   | Bank   | Syndicate UCO Bank   | Union Bank of India   | United Bank of India   |
|--------------------------|------------------|---------------|-------|-------|-------|---------------|-------------------------|--------------------|---------------|-------|--------|--------|-------|-----------------------|--------|----------------------|-----------------------|------------------------|
| Andaman& Nicobar Islands | 0                | 0             | 3     | 0     | 0     | 1             | 0                       | 0                  | 0             | 1     | 0      | 0      | 1     | 18                    | 6      | 0                    | 0                     | 1                      |
| Andhra Pradesh           | 9                | 643           | 156   | 94    | 3     | 183           | 77                      | 110                | 182           | 90    | 19     | 0      | 27    | 921                   | 289    | 18                   | 112                   | 5                      |
| Arunachal Pradesh        | 1                | 0             | 6     | 5     | 1     | 8             | 8                       | 0                  | 2             | 1     | 1      | 1      | 3     | 61                    | 2      | 2                    | 1                     | 4                      |
| Assam                    | 63               | 2             | 36    | 29    | 4     | 55            | 92                      | 9                  | 24            | 19    | 10     | 4      | 46    | 284                   | 20     | 117                  | 47                    | 209                    |
| Bihar                    | 172              | 15            | 207   | 271   | 1     | 168           | 338                     | 21                 | 39            | 30    | 30     | 2      | 485   | 742                   | 37     | 180                  | 108                   | 59                     |
| Chandigarh               | 0                | 1             | 1     | 1     | 0     | 0             | 0                       | 0                  | 0             | 0     | 0      | 1      | 2     | 5                     | 0      | 5                    | 0                     | 0                      |
| Chhattisgarh             | 29               | 13            | 163   | 38    | 23    | 49            | 91                      | 13                 | 7             | 28    | 17     | 8      | 96    | 270                   | 15     | 36                   | 39                    | 14                     |
| Dadra &Nagar Haveli      | 1                | 1             | 16    | 1     | 1     | 3             | 1                       | 1                  | 1             | 1     | 1      | 0      | 1     | 5                     | 1      | 1                    | 1                     | 1                      |
| Daman &Diu               | 0                | 0             | 8     | 2     | 1     | 1             | 2                       | 1                  | 1             | 0     | 1      | 0      | 1     | 8                     | 1      | 2                    | 1                     | 0                      |
| Goa                      | 5                | 5             | 66    | 57    | 18    | 62            | 35                      | 64                 | 9             | 32    | 13     | 1      | 9     | 108                   | 30     | 12                   | 19                    | 6                      |
| Gujarat                  | 13               | 13            | 1,235 | 223   | 23    | 59            | 180                     | 98                 | 22            | 41    | 20     | 2      | 79    | 754                   | 39     | 40                   | 144                   | 5                      |
| Haryana                  | 56               | 39            | 83    | 32    | 4     | 105           | 83                      | 65                 | 25            | 10    | 151    | 58     | 355   | 310                   | 95     | 66                   | 52                    | 7                      |
| Himachal Pradesh         | 15               | 4             | 36    | 18    | 4     | 56            | 53                      | 15                 | 9             | 9     | 28     | 26     | 341   | 315                   | 12     | 163                  | 19                    | 3                      |
| Jammu& Kashmir           | 3                | 1             | 3     | 4     | 0     | 16            | 10                      | 3                  | 3             | 0     | 8      | 7      | 67    | 128                   | 2      | 9                    | 7                     | 0                      |
| Jharkhand                | 109              | 12            | 80    | 395   | 0     | 95            | 53                      | 4                  | 10            | 21    | 17     | 6      | 83    | 442                   | 19     | 47                   | 54                    | 50                     |
| Karnataka                | 7                | 27            | 463   | 58    | 20    | 652           | 43                      | 328                | 34            | 132   | 9      | 1      | 18    | 839                   | 570    | 18                   | 78                    | 2                      |
| Kerala                   | 13               | 19            | 191   | 73    | 3     | 372           | 89                      | 85                 | 100           | 142   | 8      | 1      | 126   | 959                   | 193    | 34                   | 187                   | 6                      |
| Lakshadweep              | 0                | 0             | 0     | 0     | 0     | 0             | 0                       | 0                  | 0             | 0     | 0      | 0      | 0     | 2                     | 9      | 1                    | 0                     | 0                      |
| Madhya Pradesh           | 126              | 8             | 160   | 305   | 100   | 130           | 364                     | 22                 | 11            | 15    | 23     | 16     | 171   | 686                   | 47     | 85                   | 173                   | 0                      |
| Maharashtra              | 47               | 24            | 419   | 570   | 760   | 150           | 386                     | 64                 | 22            | 48    | 27     | 4      | 60    | 939                   | 87     | 65                   | 239                   | 2                      |
| Manipur                  | 3                | 0             | 8     | 3     | 0     | 4             | 6                       | 0                  | 1             | 2     | 0      | 2      | 3     | 35                    | 0      | 10                   | 0                     | 12                     |
| Meghalaya                | 1                | 0             | 3     | 1     | 0     | 6             | 4                       | 1                  | 1             | 1     | 0      | 0      | 9     | 88                    | 3      | 6                    | 4                     | 12                     |
| Mizoram                  | 0                | 0             | 0     | 0     | 0     | 4             | 1                       | 0                  | 0             | 0     | 0      | 0      | 0     | 29                    | 1      | 2                    | 0                     | 5                      |
| Nagaland                 | 5                | 0             | 9     | 1     | 0     | 2             | 6                       | 0                  | 0             | 0     | 0      | 1      | 1     | 62                    | 0      | 4                    | 0                     | 1                      |
| Delhi                    | 9                | 0             | 8     | 7     | 1     | 4             | 7                       | 25                 | 1             | 0     | 8      | 1      | 20    | 13                    | 7      | 0                    | 8                     | 0                      |
| Odisha                   | 69               | 139           | 137   | 194   | 2     | 141           | 76                      | 37                 | 84            | 101   | 41     | 8      | 139   | 715                   | 76     | 204                  | 97                    | 106                    |
| Puducherry               | 0                | 3             | 1     | 5     | 0 13  | 7             | 1                       | 1                  | 22            | 11    | 1      | 0      | 1     | 11                    | 3      | 6                    | 2                     | 0 7                    |
| Punjab                   | 90               | 48            | 123   | 99    |       | 154           | 85                      | 65                 | 57            | 53    | 292    | 501    | 496   | 613                   | 44     | 125                  | 82                    |                        |
| Rajasthan                | 41               |               | 492   | 85    | 11    | 84            | 100                     | 47                 | 12            | 28    | 133    | 28     | 371   | 919                   | 54     | 143                  | 71                    | 14                     |
| Sikkim                   |                  | 32            |       | 0     | 0     |               |                         |                    |               |       | 1      | 0      | 2     | 27                    | 2      |                      |                       |                        |
| Tamil                    | 0                | 0             | 2     |       |       | 6             | 14                      | 0 134              | 0             | 2     |        |        |       |                       |        | 5                    | 7                     | 2                      |
| Nadu                     | 21               | 87            | 188   | 135   | 5     | 606           | 121                     |                    | 734           | 821   | 13     | 1      | 87    | 739                   | 187    | 50                   | 139                   | 11                     |
| Telangana                | 8                | 333           | 68    | 18    | 5     | 90            | 38                      | 38                 | 52            | 49    | 7      | 1      | 27    | 670                   | 92     | 7                    | 36                    | 1                      |
| Tripura                  | 2 27             | 0 5           | 2     | 9 25  | 0 1   | 10 55         | 5                       | 1                  | 0             | 3     | 1      | 1      | 2 191 | 49 349                | 5 42   | 23                   | 4                     | 51 1                   |
| Uttarakhand              |                  |               | 99    |       |       |               | 21                      | 16                 | 5             | 31    | 52 229 | 28     |       |                       |        | 43                   | 58                    |                        |
| Uttar Pradesh            | 690              | 26            | 889   | 334   | 30    | 339           | 365                     | 101                | 67            | 102   |        | 125    | 848   | 1,455                 | 382    | 154                  | 675                   | 31                     |
| West Bengal              | 347              | 18            | 110   | 229   | 7     | 182           | 204                     | 21                 | 23            | 51    | 45     | 6      | 160   | 758                   | 56     | 219                  | 87                    | 564                    |

Source: Reserve Bank of India

## Lok sabha unstarred question no. *42 for 18 th November 2019, regarding 'Bank Loan Targets'

## Details of Deposits and Loans of Public Sector Banks

Amounts in crore Rs.

| Bank                      | Deposits   | Deposits   | Deposits   | Gross Loans and Advances   | Gross Loans and Advances   | Gross Loans and Advances   |
|---------------------------|------------|------------|------------|----------------------------|----------------------------|----------------------------|
| Bank                      | 31.3.2017  | 31.3.2018  | 31.3.2019  | 31.3.2017                  | 31.3.2018                  | 31.3.2019                  |
| Allahabad Bank            | 1,99,335   | 2,10,842   | 2,14,301   | 1,46,508                   | 1,56,327                   | 1,60,286                   |
| Andhra Bank               | 1,95,441   | 2,08,070   | 2,19,821   | 1,44,232                   | 1,64,535                   | 1,78,690                   |
| Bank of Baroda            | 4,40,092   | 4,66,974   | 5,17,967   | 2,97,755                   | 3,51,269                   | 3,96,687                   |
| Bank of India             | 4,23,457   | 4,21,211   | 4,21,783   | 2,85,725                   | 2,93,500                   | 3,28,137                   |
| Bank of Maharashtra       | 1,39,053   | 1,38,981   | 1,40,650   | 1,01,537                   | 94,645                     | 93,467                     |
| Canara Bank               | 4,54,610   | 4,85,994   | 5,65,917   | 3,27,813                   | 3,71,206                   | 4,19,004                   |
| Central Bank of India     | 2,96,671   | 2,94,839   | 2,99,855   | 1,53,008                   | 1,77,484                   | 1,67,729                   |
| Corporation Bank          | 2,20,560   | 1,83,316   | 1,84,568   | 1,45,710                   | 1,28,005                   | 1,35,048                   |
| Dena Bank                 | 1,13,943   | 1,06,130   | 1,00,652   | 77,538                     | 74,239                     | 60,598                     |
| Indian Bank               | 1,77,084   | 2,02,248   | 2,35,237   | 1,26,489                   | 1,56,477                   | 1,80,345                   |
| Indian Overseas Bank      | 2,05,154   | 2,10,388   | 2,17,963   | 1,42,651                   | 1,38,516                   | 1,46,001                   |
| Oriental Bank of Commerce | 2,19,339   | 2,07,346   | 2,32,645   | 1,66,438                   | 1,48,206                   | 1,71,549                   |
| Punjab and Sind Bank      | 85,540     | 1,01,726   | 98,558     | 60,263                     | 69,739                     | 72,747                     |
| Punjab National Bank      | 5,65,573   | 6,00,435   | 6,54,536   | 3,90,590                   | 4,28,465                   | 4,89,812                   |
| Syndicate Bank            | 2,34,543   | 2,41,092   | 2,30,092   | 1,71,377                   | 1,81,477                   | 1,74,822                   |
| UCO Bank                  | 1,85,102   | 1,72,017   | 1,92,278   | 1,12,917                   | 1,08,746                   | 1,11,739                   |
| Union Bank of India       | 3,71,776   | 4,03,197   | 4,13,099   | 2,72,660                   | 2,88,336                   | 3,10,932                   |
| United Bank of India      | 1,26,939   | 1,29,326   | 1,34,983   | 70,503                     | 68,692                     | 73,123                     |
| Vijaya Bank               | 1,33,012   | 1,57,288   | 1,75,817   | 96,821                     | 1,18,677                   | 1,35,520                   |
| State Bank of India       | 24,94,141  | 25,99,393  | 28,14,243  | 16,66,288                  | 17,46,389                  | 19,90,746                  |

Source: Reserve Bank of India