Lok Sabha Question No. 2993 (UNSTARRED), answered on 2022-08-04
Subject: Loan Disbursed to Street Vendors
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Komati Reddy Venkat Reddy, Manne Srinivas Reddy

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 2993 TO BE ANSWERED ON AUGUST 04, 2022

## LOAN DISBURSED TO STREET VENDORS

## NO. 2993. SHRI KOMATI REDDY VENKAT REDDY: SHRI MANNE SRINIVAS REDDY:

Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:

- (a) whether the Non-Performing Assets (NPA) accounted for around 12-13% of the loans disbursed to street vendors under the Prime Minister Street Vendors AtmaNirbhar Nidhi (PM-SVANidhi) scheme and if SO, the details thereof; and
- b) the details of the number of street vendors to whom loans disbursed and  repaid since Iaunch the scheme to till  date, State-wise?

## ANSWER MINISTRY

## THE MINISTER OF STATE IN THE OF HOUSING AND URBAN AFFAIRS (SHRI KAUSHAL KISHORE)

- (a) Under Prime Minister Street Vendors AtmaNirbhar Nidhi (PMSVANidhi) Scheme, as per  information submitted by the Lending Institutions with Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) till  July 27, 2022, 4.85 Iakh accounts have become NPA with total amount of *344 Crore. The total amount disbursed by the Lending Institutions till July 27, 2022 is *3700.9 CroreA statement  showing Lending Institutions-wise number of NPA accounts, default Ioan amount and total amount disbursed is
- at Annexure-I.
- (b) The Scheme portal captures data of fully repaid loans and not of the Ioans which are at various stages of repayment: A statement showing StatelUT-wise, number of 1st and  3rdloans disbursed and fully repaid,as on July 27, 2022 is at Annexure-II: 2nd

*****

## ANNEXURE-I REFERRED To IN REPLY LOK SABHA UNSTARRED QUESTION NO.2993 TO BE ANSWERED ON AUGUST 04, 2022

## BANK-WISE DETAILS OF NUMBER OF NPA ACCOUNT, DEFAULT LOAN AMOUNT AND DISBURSED AMOUNTUNDER THE PMSVANIDHISCHEME

(As On 27.07.2022)

| S.No   | Name of the Bank                  | No. of NPA Account   |   Default Loan Amount {in Cr) |   Total Amount Disbursed |
|--------|-----------------------------------|----------------------|-------------------------------|--------------------------|
|        | State Bank of India               | 1,65,180             |                        124.38 |                  1123.79 |
| 2      | Punjab National Bank              | 47,334               |                         33.38 |                   251.76 |
| 3      | Indian Bank                       | 48,345               |                         32.42 |                   247.6  |
| 4      | Canara Bank                       | 46,363               |                         29.67 |                   275.07 |
| 5      | Bank Of Baroda                    | 42,726               |                         29.47 |                   369.98 |
| 6      | Bank Of India                     | 34,364               |                         22.81 |                   302.66 |
| 7      | Union Bank Of India               | 22,745               |                         18.84 |                   389.69 |
|        | Central Bank Of India             | 19,235               |                         12.73 |                   139.93 |
| 9      | Bank Of Maharashtra               | 15,708               |                         11.24 |                    74.31 |
| 10     | UCO Bank                          | 7,632                |                          4.51 |                    55.34 |
| 11     | RRB Madhya Pradesh Grameena Bank  | 4,061                |                          2.96 |                    23.12 |
| 12     | Indian Overseas Bank              | 4,465                |                          2.87 |                    66.71 |
| 13     | Punjab And Sind Bank              | 4,016                |                          2.34 |                    23.64 |
| 14     | Prathama UP Gramin Bank           | 2,591                |                          2.01 |                    15.37 |
| 15     | Baroda U.P Bank                   | 2,695                |                          1.97 |                    15.55 |
| 16     | Telangana Grameena Bank           | 2,628                |                          1.89 |                    19.59 |
| 17     | Aryavart Bank                     | 2,152                |                          1.57 |                    18.53 |
| 18     | RRB Karnataka Grameena Bank       | 4,713                |                          1.18 |                     8.52 |
| 19     | Jammu & Kashmir Bank Ltd          | 1,498                |                          1.17 |                    16.25 |
| 20     | Karnataka Bank Ltd                | 1,437                |                          0.88 |                    10.74 |
| 21     | RRB Karnataka Vikas Grameena Bank | 920                  |                          0.83 |                     7.35 |
| 22     | IDBI Bank                         | 1,313                |                          0.79 |                    13.34 |
| 23     | HDFC Bank                         | 987                  |                          0.74 |                    20.84 |
| 24     | Chhattisgarh Rajya Gramin Bank    | 820                  |                          0.6  |                     3.23 |
| 25     | Andhra Pradesh Gr.Vikas Bank      | 422                  |                          0.34 |                    28.96 |
| 26     | RRB Dakshin Bihar Gramin Bank     | 396                  |                          0.28 |                     1.43 |
| 27     | Kotak Mahindra Bank Limited       | 454                  |                          0.25 |                     4.15 |
| 28     | Axis Bank                         | 221                  |                          0.21 |                     2.37 |
| 29     | Telangana Grameena Bank           | 563                  |                          0.17 |                    19.59 |
| 30     | Rajasthan Marudhara Gramin Bank   | 154                  |                          0.15 |                     1.01 |
| 31     | RRB Kerala Grameena Bank          | 167                  |                          0.15 |                     1.46 |
| 32     | Federal Bank                      | 197                  |                          0.14 |                     1.3  |

| S.No   | Name of the Bank                                | No. of NPA Account   | Default Loan Amount (Tin Cr)   | Total Amount Disbursed   |
|--------|-------------------------------------------------|----------------------|--------------------------------|--------------------------|
| 33     | Baroda Rajasthan Kshetriya Gramin Bank          | 197                  | 0.12                           | 1.81                     |
| 34     | AU Small Finance Bank                           | 179                  | 0.12                           | 0.73                     |
| 35     | Saptagiri Grameen Bank                          | 170                  | 0.11                           | 4.21                     |
| 36     | ICICI Bank                                      | 226                  | 0.11                           | 2.85                     |
| 37     | Adilabad District Central Cooperative Bank Ltd: | 126                  | 0.10                           | 0.84                     |
| 38     | Telangana State Co-Operative Apex Bank          | 118                  | 0.09                           | 2.34                     |
| 39     | RRB Sarva Haryana Grameena Bank                 | 123                  | 0.09                           | 1.08                     |
| 40     | Saurashtra Gramin Bank                          | 75                   | 0.04                           | 1.20                     |
| 41     | The Nainital Bank Ltd                           | 56                   | 0.04                           | 0.51                     |
| 42     | Utkarsh Small Finance Bank                      | 50                   | 0.04                           | 3.61                     |
| 43     | Uttarakhand Gramin Bank                         | 56                   | 0.04                           | 0.52                     |
| 44     | RRB Punjab Grameena Bank:                       | 57                   | 0.04                           | 0.35                     |
| 45     | Manipur State Co Op Bank                        | 39                   | 0.04                           | 0.32                     |
| 46     | Karur Vysya Bank Ltd                            | 34                   | 0.03                           | 1.07                     |
| 47     | RRB Tripura Gramin Bank                         | 27                   | 0.02                           | 1.03                     |
| 48     | South Indian Bank                               | 32                   | 0.02                           | 0.57                     |
| 49     | RRB Vidharbha Konkan Grameena Bank              | 24                   | 0.02                           | 0.53                     |
| 50     | Indusind Bank                                   | 16                   | 0.01                           | 0.12                     |
| 51     | Uttarbanga Kshetriya Gramin Bank                | 10                   | 0.01                           | 0.08                     |
| 52     | Tamilnad Mercantile Bank Ltd                    | 9                    | 0.01                           | 1.28                     |
| 53     | RRB J&K Grameena Bank                           | 4                    | 0.00                           | 0.21                     |
| 54     | ESAF Small Finance Bank                         |                      | 0.00                           | 0.04                     |
| 55     | Fincare Small Finance Bank                      |                      | 0.00                           | 0.02                     |
| 56     | RRB Paschim Banga Grameena Bank                 |                      | 0.00                           | 0.04                     |
| 57     | The_Kangra Central Co-OpBank Ltd                |                      | 0.00                           | 0.07                     |
| 58     | Hassan District Central Co-Operative Bank Ltds, |                      | 0.00                           | 0.08                     |
| 59     | The Saraswat Co-Operative Bank Ltd              |                      | 0.00                           | 0.15                     |
| 60     | Dhanlaxmi Bank Limited                          | 1                    | 0.00                           | 0.06                     |
| 61     | Other_Lending Institutions                      | 0                    | 0.00                           | 122.03                   |
|        |                                                 |                      |                                | 3,700.93                 |
|        | Total                                           |                      | 344.09                         |                          |

## ANNEXURE-II REFERRED To IN REPLY To LOK SABHA UNSTARRED QUESTION NO.2993 TO BE ANSWERED ON AUGUST 04, 2022

## STATEIUT-WISE DETAILS OF 1st, Znd and 3rdLOANS DISBURSED AND FULLY REPAID UNDER PM SVANIDHI SCHEME

(As On 27.07.2022)

| S.No.           | Name of the State           | Ist Ioan              | Ist Ioan                  | Znd Ioan              | Znd Ioan                  | 3rd Ioan              | 3rd Ioan                  |
|-----------------|-----------------------------|-----------------------|---------------------------|-----------------------|---------------------------|-----------------------|---------------------------|
| S.No.           | Name of the State           | No. of Loan Disbursed | No. of Loans Repaid Fully | No. of Loan Disbursed | No. of Fully Loans Repaid | No. of Loan Disbursed | No. of Fully Loans Repaid |
|                 | Andaman And Nicobar Islands | 475                   | 322                       | 80                    |                           |                       |                           |
| 2               | Andhra Pradesh              | 1,83,121              | 81,980                    | 22,784                | 43                        | 35                    |                           |
| 3.              | Arunachal Pradesh           | 2,660                 | 1,530                     | 431                   |                           |                       |                           |
| 4               | Assam                       | 57,596                | 9,073                     | 3,190                 | 8                         |                       |                           |
| 5.              | Bihar                       | 48,257                | 16,444                    | 2,223                 | 3                         |                       |                           |
| 6.              | Chandigarh                  | 3,598                 | 1,946                     | 534                   | 29                        |                       |                           |
|                 | Chhattisgarh                | 47,517                | 21,706                    | 4,763                 | 30                        |                       |                           |
| 8               | Daman & Diu And Dadra &     | 1,264                 | 648                       | 56                    |                           |                       |                           |
| 9.              | Nagar Haveli Delhi          | 44,096                | 20,718                    | 1,866                 | 2                         |                       |                           |
|                 | 10.| Goa               | 1,234                 | 820                       | 288                   | 10                        | 3                     |                           |
|                 |                             | 2,09,385              | 68,027                    | 26,535                | 72                        | 28                    |                           |
| 12_             | Haryana                     | 27,370                | 13,100                    | 3,674                 | 6                         | 2                     |                           |
| 13.             | Himachal Pradesh            | 3,381                 | 2,267                     | 909                   | 34                        | 3                     |                           |
| 14.             | Jammu & Kashmir             | 14,253                | 7,878                     | 1,731                 | 9                         | 3                     |                           |
| 15.             | Jharkhand                   | 29,468                | 12,733                    | 2,803                 | 8                         | 3                     |                           |
| 16.             | Karnataka                   | 1,44,844              | 65,395                    | 24,477                | 121                       | 61                    |                           |
|                 | Kerala                      | 9,628                 | 6,130                     | 2,602                 | 42                        | 19                    |                           |
| 18.             | Ladakh                      | 265                   | 250                       | 113                   |                           |                       |                           |
|                 | 19.| Madhya            | 4,80,155              | 1,61,230                  | 67,535                | 199                       | 80                    |                           |
| 20. Maharashtra |                             | 2,00,863              |                           | 22,794                | 46                        | 13                    |                           |
| 21_             | Manipur                     | 8,523                 | 2,340                     | 348                   |                           |                       |                           |
|                 | Meghalaya                   | 813                   | 180                       | 76                    |                           |                       |                           |
| 23.             | Mizoram                     | 489                   | 361                       | 103                   |                           |                       |                           |
|                 | Nagaland                    | 1,535                 | 789                       | 225                   |                           |                       |                           |

|     | Name of the   | Ist Ioan              | Ist Ioan                  | Znd Ioan              | Znd Ioan                  | 3rd Ioan              | 3rd Ioan                  |
|-----|---------------|-----------------------|---------------------------|-----------------------|---------------------------|-----------------------|---------------------------|
|     | State         | No. of Loan Disbursed | No. of Loans Repaid Fully | No. of Loan Disbursed | No. of Fully Loans Repaid | No. of Loan Disbursed | No. of Fully Loans Repaid |
| 25_ | Odisha        | 35,040                | 19,862                    | 3,572                 | 10                        | 3                     |                           |
| 26_ | Puducherry    | 1,252                 | 787                       | 208                   |                           |                       |                           |
| 27_ | Punjab        | 39,857                | 18,073                    | 2,874                 | 16                        |                       |                           |
| 28_ | Rajasthan     | 67,016                | 32,463                    | 929                   |                           |                       |                           |
| 29_ | Sikkim        |                       |                           |                       |                           |                       |                           |
| 30_ | Tamil Nadu    | 1,70,416              | 70,400                    | 16,012                | 21                        |                       |                           |
| 31_ | Telangana     | 3,44,905              | 1,90,320                  | 68,134                | 32                        | 15                    |                           |
| 32_ | Tripura__     | 3,071                 | 1,152                     |                       | 2                         |                       |                           |
| 33. | Uttar Pradesh | 8,38,602              | 2,64,112                  | 64,785                | 87                        | 21                    |                           |
| 34. | Uttarakhand   | 10,714                | 6,231                     |                       | 8                         | 3                     |                           |
| 35. | West Bengal   | 13,630                | 2,083                     | 175                   |                           |                       |                           |
|     | Total         | 30,45,294             | 11,85,146                 | 3,48,127              | 840                       | 318                   |                           |