Lok Sabha Question No. 1917 (UNSTARRED), answered on 2018-12-21
Subject: Bank Branches in Rural Area
Ministry: FINANCE
Asked by: RITI PATHAK, JAYSHREEBEN  PATEL, JUGAL KISHORE SHARMA

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

## LOK SABHA UNSTARRED QUESTION No. 1917

TO BE ANSWERED ON 21St DECEMBER, 2018 (FRIDA YVAGRAHA YANA 30. 1940 (SAKA)

## Bank Branches in Rural Areas

1917. SHRIMATI RITI PATHAK: SHRIMATI JAYSHREEBEN PATEL: SHRI JUGAL KISHORE:

Will the Minister of FINANCE be pleased t0 state:

- (a) the details of number of nationalized banks in the country. State/UT-wise:
- (b) the details of the villages where the branches of nationalised banks have been opened so far during the last three years, State/UT-wise:
- C) the norms/criteria/policy of the Government for setting Up a bank branch in a rural area of" the country:
- (d) whether as per Reserve Bank of India (RBI). there are no branches of any bank in several villages of the country ineluding Madhya Pradesh and Jammu and Kashmir and if so. the details of such rural areas. State-wise:
- whether branch of a bank is proposed to be set Up in each village having a population of" 5000 or more; and
- the details thereof and if not; the reasons therefor?

## Answer

## The Minister of State in the Ministry of Finance

- (a) As apprised by Reserve Bank of India (RBD) as on date there are 19 nationalized banks providing   banking services throughout the country. The number of" funetioning   rural branches of the nationalized banks in the country is provided at Annex-[.
- b) As have been opened during the last three financial years and the current year (upto June 2018) is provided at Annex-IL: apprised
- (c As per extant guidelines dated 18.5.2017 on rationalizing of Branch Authorisation Policy. 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 approval of RBI in each case, subject to at least 25 percent of" prior

the total number of banking outlets (a fixed service delivery unit. manned by either staff its Business Correspondent)   opened during a financial year in unbanked rural centres with population less than 10.000. For this purpose. banking outlets opened in any centre having population less than 50.000 in North Eastern states Sikkim and also Left Extremism (LWE) affected districts as notified by the Government of' India are also considered as equivalent to opening of banking outlets in unbanked rural centres. point being Wing

- d) RBI has apprised that as reported by State Level Bankers Committee (SLBC). Madhya Pradesh; out of out of 2,736 identified villages (with population more than 2.000). 105 villages were services   through branches. 2.439   villages   through Business Correspondents (BCs) and 192 villages through other modes sueh as ATMs: mobile vans; etc . Besides, all the identilied 47.,660 villages (with population less than 2000) have since been extending banking facilities with 1.402 villages providing banking facilities through branches. 32,508 villages through BCs and 13.750 villages through other modes such as ATMs. mobile vans, etc.

RBI has apprised that as reported by SLBC, Jammu & Kashmir Out of" 795 identilied villages (with population more than 2,000). 10 villages were provided banking services through branches, 757 villages through BCs and 28 villages through other modes such as ATMs. mobile vans; etc. Besides all the identified 5.582 villages (with population less than 2.000) have since been extending banking   facilities with 168 villages  provided banking services through branches, 5.144 villages through BCs and 270 villages through other modes such as ATMs mobile vans, ete

- and (f) RBI; vide its circular dated 8.6.2017 on revised guidelines on Branch Authorisation has   advised SLBC Convenor Banks ensure that unbanked rural centres in villages with population above 5.000 are banked forthwith by opening of a CBS enabled banking outlet: Policy

8****

## Lok Sabha question no\_ 1917 for 21.12.2018

State/UT-wise number of functioning rural branches (identified on the basis of population as per Census 2011) of Nationalised Banks as on June 30,2018

|             | State / UT           | Number of functioning rural branches   |
|-------------|----------------------|----------------------------------------|
| 1           | ANDAMAN & NICOBAR IS |                                        |
| 2           | ANDHRA PRADESH       | 1022                                   |
| 3           | ARUNACHAL PRADESH    | 9                                      |
| 4           | ASSAM                | 440                                    |
| 5           | BIHAR                | 1217                                   |
| 6           | CHANDIGARH           |                                        |
|             | CHHATTISGARH         | 334                                    |
| 8           | DADRA & NAGAR HAVELI | 10                                     |
| 9           | DAMAN & DIU          | 1                                      |
| 10          | GOA                  | 170                                    |
| 11          | GUJARAT              | 1230                                   |
| 12          | HARYANA              | 625                                    |
| 13          | HIMACHAL PRADESH     | 617                                    |
| 14          | JAMMU & KASHMIR      | 58                                     |
| 15          | JHARKHAND            | 620                                    |
| 16          | KARNATAKA            | 1438                                   |
| 17          | KERALA               | 86                                     |
| 18          | LAKSHADWEEP          |                                        |
| 19          | MADHYA PRADESH       | 900                                    |
| 20          | MAHARASHTRA          | 1637                                   |
| 21          | MANIPUR              | 30                                     |
| 22          | MEGHALAYA            | 27                                     |
| 23          | MIZORAM              |                                        |
| 24          | NAGALAND             | 8                                      |
| 25          | NCT OF DELHI         | 50                                     |
| 26          | ODISHA               | 959                                    |
| 27          | PUDUCHERRY           | 27                                     |
| 28          | PUNJAB               | 1204                                   |
| 29          | RAJASTHAN            | 903                                    |
| 30          | SIKKIM               | 32                                     |
| 31          | TAMIL NADU           |                                        |
| 32          | TELANGANA            | 440                                    |
| 33          | TRIPURA              | 59                                     |
| 34          | UTTAR PRADESH        | 3327                                   |
| 35          | UTTARAKHAND          | 386                                    |
| 36          | WEST BENGAL          | 1568                                   |
| Grand Total | Grand Total          | 21019                                  |

## Lok Sabha question 1917 for 21.12.2018 no.

| State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   | State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   | State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   | State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   | State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   | State/UT-wise number of Rural Centres where Branches of Nationalised Banks were opened during 2015-16, 2016-17,2017-18 and Q1 (Apr-Jun) of 2018-19   |
|------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------|
| SI No.                                                                                                                                               | State / UT                                                                                                                                           | 2015-16                                                                                                                                              | 2016-17                                                                                                                                              | 2017-18                                                                                                                                              | 2018-19_Q1                                                                                                                                           |
|                                                                                                                                                      | ANDAMAN & NICOBAR IS                                                                                                                                 | 1                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |                                                                                                                                                      |
| 2                                                                                                                                                    | ANDHRA PRADESH                                                                                                                                       | 46                                                                                                                                                   | 34                                                                                                                                                   | 20                                                                                                                                                   |                                                                                                                                                      |
| 3                                                                                                                                                    | ARUNACHAL PRADESH                                                                                                                                    |                                                                                                                                                      | 1                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |
|                                                                                                                                                      | ASSAM                                                                                                                                                | 6                                                                                                                                                    | 3                                                                                                                                                    | 1                                                                                                                                                    |                                                                                                                                                      |
|                                                                                                                                                      | BIHAR                                                                                                                                                | 25                                                                                                                                                   | 21                                                                                                                                                   | 11                                                                                                                                                   | 3                                                                                                                                                    |
|                                                                                                                                                      | CHHATTISGARH                                                                                                                                         | 25                                                                                                                                                   | 22                                                                                                                                                   | 4                                                                                                                                                    | 8                                                                                                                                                    |
|                                                                                                                                                      | DADRA & NAGAR HAVELI                                                                                                                                 | 1                                                                                                                                                    | 1                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |
| 8                                                                                                                                                    | GOA                                                                                                                                                  | 1                                                                                                                                                    | 3                                                                                                                                                    | 1                                                                                                                                                    |                                                                                                                                                      |
|                                                                                                                                                      | GUJARAT                                                                                                                                              | 40                                                                                                                                                   | 21                                                                                                                                                   | 5                                                                                                                                                    |                                                                                                                                                      |
| 10                                                                                                                                                   | HARYANA                                                                                                                                              | 19                                                                                                                                                   | 21                                                                                                                                                   | 6                                                                                                                                                    |                                                                                                                                                      |
| 11                                                                                                                                                   | HIMACHAL PRADESH                                                                                                                                     | 23                                                                                                                                                   | 19                                                                                                                                                   | 6                                                                                                                                                    |                                                                                                                                                      |
| 12                                                                                                                                                   | JHARKHAND                                                                                                                                            | 18                                                                                                                                                   | 26                                                                                                                                                   | 4                                                                                                                                                    |                                                                                                                                                      |
| 13                                                                                                                                                   | KARNATAKA                                                                                                                                            | 50                                                                                                                                                   | 32                                                                                                                                                   | 22                                                                                                                                                   |                                                                                                                                                      |
| 14                                                                                                                                                   | KERALA                                                                                                                                               | 3                                                                                                                                                    | 2                                                                                                                                                    | 1                                                                                                                                                    |                                                                                                                                                      |
| 15                                                                                                                                                   | MADHYA PRADESH                                                                                                                                       | 12                                                                                                                                                   | 18                                                                                                                                                   | 4                                                                                                                                                    |                                                                                                                                                      |
| 16                                                                                                                                                   | MAHARASHTRA                                                                                                                                          | 44                                                                                                                                                   | 14                                                                                                                                                   | 10                                                                                                                                                   |                                                                                                                                                      |
| 17                                                                                                                                                   | MANIPUR                                                                                                                                              | 1                                                                                                                                                    |                                                                                                                                                      | 3                                                                                                                                                    |                                                                                                                                                      |
| 18                                                                                                                                                   | NAGALAND                                                                                                                                             | 1                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |                                                                                                                                                      |
| 19                                                                                                                                                   | NCT OF DELHI                                                                                                                                         |                                                                                                                                                      |                                                                                                                                                      | 2                                                                                                                                                    |                                                                                                                                                      |
| 20                                                                                                                                                   | ODISHA                                                                                                                                               | 46                                                                                                                                                   | 26                                                                                                                                                   | 8                                                                                                                                                    |                                                                                                                                                      |
| 21                                                                                                                                                   | PUDUCHERRY                                                                                                                                           |                                                                                                                                                      | 1                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |
|                                                                                                                                                      | PUNJAB                                                                                                                                               | 30                                                                                                                                                   |                                                                                                                                                      | 14                                                                                                                                                   |                                                                                                                                                      |
| 23                                                                                                                                                   | RAJASTHAN                                                                                                                                            | 49                                                                                                                                                   | 28                                                                                                                                                   | 12                                                                                                                                                   |                                                                                                                                                      |
| 24                                                                                                                                                   |                                                                                                                                                      | 2                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |                                                                                                                                                      |
| 25                                                                                                                                                   | TAMIL NADU                                                                                                                                           | 46                                                                                                                                                   | 30                                                                                                                                                   | 7                                                                                                                                                    |                                                                                                                                                      |
| 26                                                                                                                                                   | TELANGANA                                                                                                                                            | 16                                                                                                                                                   | 10                                                                                                                                                   | 13                                                                                                                                                   |                                                                                                                                                      |
| 27                                                                                                                                                   | TRIPURA                                                                                                                                              | 1                                                                                                                                                    | 2                                                                                                                                                    |                                                                                                                                                      |                                                                                                                                                      |
| 28                                                                                                                                                   | UTTAR PRADESH                                                                                                                                        | 124                                                                                                                                                  | 60                                                                                                                                                   | 29                                                                                                                                                   |                                                                                                                                                      |
| 29                                                                                                                                                   | UTTARAKHAND                                                                                                                                          | 7                                                                                                                                                    | 9                                                                                                                                                    | 4                                                                                                                                                    | 1                                                                                                                                                    |
|                                                                                                                                                      | WEST BENGAL                                                                                                                                          | 26                                                                                                                                                   | 20                                                                                                                                                   | 4                                                                                                                                                    |                                                                                                                                                      |
|                                                                                                                                                      | Grand Total                                                                                                                                          | 663                                                                                                                                                  | 437                                                                                                                                                  | 191                                                                                                                                                  | 18                                                                                                                                                   |

Source; RBI