Lok Sabha Question No. 739 (UNSTARRED), answered on 2022-12-12
Subject: Bank Branches
Ministry: FINANCE
Asked by: S. Venkatesan

## 739. SHRI S. VENKATESAN:

Will the Minister of FINANCE be pleased to state:

- (a) the details of branches of both the public and private sector banks in the rural, semi-urban, urban and metros along with the MUDRA loans given under the Shishu, Kishor and Tarun categories so far and accounts opened, closed, outstanding with amounts and Non-Performing Assets during the last five years, categorywise; and
- (b) the number of loans given under the differential rate of interest during the said period, public and private sector, bank-wise?

## Answer

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR BHAGWAT KARAD

- (a) As apprised by the Reserve Bank of India (RBI), details of the functioning bank branches (population groupwise) of Public Sector Banks & Private Sector Banks in the Rural, Semi-Urban, Urban and Metro areas, as on September 2022 are as under:

| Bank Group           |   Rural |   Semi-Urban |   Urban |   Metro |   Total |
|----------------------|---------|--------------|---------|---------|---------|
| Public Sector Banks  |   28804 |        23153 |   16088 |   16089 |   84134 |
| Private Sector Banks |    7912 |        12147 |    8114 |   10236 |   38409 |

Pradhan Mantri Mudra Yojana (PMMY) was launched on 08.04.2015 to extend collateral free loans up to Rs.10 lakh to individuals to enable them to set up or expand their business activities. The Scheme facilitates loans in three categories,  namely Shishu (up to Rs. 50,000/-), Kishore (above Rs. 50,000/- and up to Rs. 5 lakh) and Tarun (above Rs. 5 lakh and up to Rs. 10 lakh) for income generating activities in Manufacturing, Trading, Service sectors and also for the activities allied to agriculture. The loans under PMMY are provided by Member Lending  Institutions  (MLIs),  i.e.  Banks,  Non-Banking  Financial  Companies  (NBFCs),  Micro  Finance Institutions (MFIs) and other financial intermediaries. The details of the loans under the PMMY Scheme is at Annexure.

- (b) As apprised by RBI, the number of accounts outstanding under the differential rate of interest scheme for the Public Sector Banks & Private Sector Banks, for the last five years are as under:

|                      |   March 2018 |   March 2019 |   March 2020 |   March 2021 |   March 2022 |
|----------------------|--------------|--------------|--------------|--------------|--------------|
| Public Sector Banks  |       366391 |       495351 |       309985 |       180560 |       153964 |
| Private Sector Banks |        30980 |        35991 |        37570 |        35571 |        31529 |

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## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 739

ANSWERED ON MONDAY, DECEMBER 12, 2022/AGRAHAYANA 21, 1944 (SAKA)

## Bank Branches

| Annexure as referred to in Part (a) of the Lok Sabha Unstarred Question No. 739 for reply on 12.12.2022 regarding "Bank Branches"   |
|-------------------------------------------------------------------------------------------------------------------------------------|

(Amount Rs. in Crore)

| Public Sector Banks and   | Public Sector Banks and   | Shishu           | Shishu           | Shishu              | Kishore          | Kishore          | Kishore            | Tarun            | Tarun            | Tarun               | Total            | Total            | Total              |
|---------------------------|---------------------------|------------------|------------------|---------------------|------------------|------------------|--------------------|------------------|------------------|---------------------|------------------|------------------|--------------------|
| S. No.                    | Financia l Year           | No. of Loan A/Cs | Disbursed Amount | Outstandin g Amount | No. of Loan A/Cs | Disbursed Amount | Outstanding Amount | No. of Loan A/Cs | Disbursed Amount | Outstandi ng Amount | No. of Loan A/Cs | Disbursed Amount | Outstanding Amount |
| 1                         | 2017- 2018                | 1,19,12,363      | 34,483.58        | 24,476.37           | 30,47,496        | 55,534.45        | 48,087.91          | 6,30,584         | 46,905.41        | 40,489.45           | 1,55,90,443      | 1,36,923.44      | 1,13,053.73        |
| 2                         | 2018- 2019                | 1,54,32,199      | 44,649.41        | 31,609.67           | 38,05,147        | 59,758.73        | 50,175.02          | 7,05,481         | 52,613.45        | 46,089.04           | 1,99,42,827      | 1,57,021.59      | 1,27,873.73        |
| 3                         | 2019- 2020                | 2,43,99,380      | 71,579.42        | 49,599.47           | 37,15,504        | 59,442.17        | 54,401.24          | 7,33,166         | 54,525.75        | 49,051.63           | 2,88,48,050      | 1,85,547.34      | 1,53,052.34        |
| 4                         | 2020- 2021                | 2,09,13,738      | 48,004.95        | 36,525.27           | 63,53,850        | 88,116.08        | 81,378.20          | 8,30,229         | 59,915.05        | 55,710.84           | 2,80,97,817      | 1,96,036.08      | 1,73,614.31        |
| 5                         | 2021- 2022                | 2,24,09,442      | 59,615.69        | 42,112.39           | 74,47,523        | 93,346.13        | 81,745.37          | 8,14,720         | 63,000.61        | 55,596.73           | 3,06,71,685      | 2,15,962.43      | 1,79,454.49        |

| Public Sector Banks and Major Private   | Public Sector Banks and Major Private   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   | Non-Performing Assets (NPA) on Disbursed Amount   |
|-----------------------------------------|-----------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|
| Sector Banks                            | Sector Banks                            | Shishu                                            | Shishu                                            | Kishore                                           | Kishore                                           | Tarun                                             | Tarun                                             | Total                                             | Total                                             |
| S. No.                                  | Cumulative Till                         | Cumulative Disbursed Amount                       | Cumulative NPA Amount                             | Cumulative Disbursed Amount                       | Cumulative NPA Amount                             | Cumulative Disbursed Amount                       | Cumulative NPA Amount                             | Cumulative Disbursed Amount                       | Cumulative NPA Amount                             |
| 1                                       | Mar-18                                  | 73,950.78                                         | 1,675.85                                          | 1,25,204.13                                       | 3,987.83                                          | 1,06,616.63                                       | 2,421.51                                          | 3,05,771.54                                       | 8,085.19                                          |
| 2                                       | Mar-19                                  | 1,23,446.78                                       | 1,999.79                                          | 1,87,924.38                                       | 6,662.51                                          | 1,63,120.37                                       | 3,954.61                                          | 4,74,491.53                                       | 12,616.91                                         |
| 3                                       | Mar-20                                  | 1,95,101.44                                       | 2,551.47                                          | 2,48,323.59                                       | 11,850.64                                         | 2,19,467.29                                       | 6,530.85                                          | 6,62,892.32                                       | 20,932.96                                         |
| 4                                       | Mar-21                                  | 1,49,855.46                                       | 4,726.63                                          | 2,92,908.72                                       | 14,239.41                                         | 2,53,070.05                                       | 8,228.60                                          | 6,95,834.23                                       | 27,194.64                                         |
| 5                                       | Mar-22                                  | 2,86,472.42                                       | 4,487.69                                          | 4,23,376.91                                       | 19,321.47                                         | 3,30,526.65                                       | 10,228.21                                         | 10,40,375.98                                      | 34,037.37                                         |

Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal