Lok Sabha Question No. 3495 (UNSTARRED), answered on 2021-12-20
Subject: Loans by PSBs
Ministry: FINANCE
Asked by: Arun Kumar Sagar

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

## LOK SABHA UNSTARRED QUESTION NO. †3495

TO BE ANSWERED ON THE 20 TH  DECEMBER 2021/ AGRAHAYANA 29, 1943 (SAKA)

Loans by PSBs

## †3495 . SHRI ARUN KUMAR SAGAR:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the loan provided by each of the Public Sector Banks (PSBs) in the country as on date, State-wise;
- (b) the amount of loan provided by each of the said banks in each State of the country during the last three years and the current year;
- (c) the amount recovered out of the loan given in each State each year during the last three years and the current year; and
- (d) the steps taken by the Government to make loan recovery effective?

## ANSWER

THE MINISTER OF STATE FOR FINANCE (DR. BHAGWAT KARAD)

(a): As per inputs received from public sector banks (PSBs), state and union territory (UT)-, and bank-wise details of loan outstanding by PSBs as on 30.9.2021, are at Annexure I.

(b): As per inputs received from PSBs, state and UT- and bank-wise details of loan disbursed during the last three financial years and first half of the current financial year are at Annexure II.

(c): As per inputs received from PSBs, state and UT- and year-wise details of repayment received in the loans disbursed during last three financial years and first half of the current financial year are at Annexure III.

(d): Comprehensive steps have been taken to effect recovery and reduce non-performing assets (NPAs) in banks, which enabled PSBs to recover Rs. 5,49,327 crore over the last seven financial years. The steps taken include, inter alia, the following:

- (1)  Change  in  credit  culture  has  been  effected,  with  the  Insolvency  and  Bankruptcy  Code  (IBC) fundamentally  changing  the  creditor-borrower  relationship,  taking  away  control  of  the  defaulting company from promoters/owners, and debarring wilful defaulters from the resolution process. To make the process more stringent, personal guarantor to corporate debtor has also been brought under the ambit of IBC. Under IBC, resolution plans have been approved in 394 cases up to June 2021, with Rs. 2.45 lakh crore amount realisable by financial creditors.
- (2)  The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 has been amended to make it more effective, with provision for three months' imprisonment in case the borrower does not provide asset details, and for the lender to get possession of mortgaged property within 30 days.
- (3)  As per RBI instructions, wilful defaulters are not sanctioned any additional facilities by banks or financial institutions, and their unit is debarred from floating new ventures for five years.
- (4)  Wilful defaulters and companies with wilful defaulters as promoters/directors have been debarred from accessing  capital  markets  to  raise  funds, vide Securities  and  Exchange  Board  of  India  (Substantial Acquisition of Shares and Takeovers) Regulations, 2016.
- (5)  Jurisdiction of Debt Recovery Tribunal (DRTs) was increased from Rs. 10 lakh to Rs. 20 lakh to enable the  DRTs  to  focus  on  high  value  cases  resulting  in  higher  recovery  for  the  banks  and  financial institutions. Six new DRTs have also been established to expedite recovery.
- (6)  With  Government  infusion  supplementing  the  raising  of  capital  by  PSBs  from  market,  PSBs  have achieved a high provisioning coverage ratio of 83.7% as on 31.3.2021, equipping them to take decision on  resolution  of  NPAs  without  being  constrained  on  account  of  such  decision  impacting  their profitability.
- (7)  Key reforms have been instituted as part of the Public Sector Banks Reforms Agenda, including, inter alia , the following:
8. (i) Stressed Asset Management Verticals were set up in banks for focused slippage prevention, recovery arrangement and time-bound action in respect of large-value stressed assets.
9. (ii) Board-approved loan policies of PSBs now mandate tying up necessary clearances/approvals and linkages before disbursement, scrutiny of group balance-sheet and ring-fencing of cash flows, nonfund and tail risk appraisal in project financing.
10. (iii) Use  of  third-party  data  sources  for  comprehensive  due  diligence  across  data  sources  has  been instituted, thus mitigating risk on account of misrepresentation and fraud.
11. (iv) Monitoring has been strictly segregated from sanctioning roles in high-value loans, and specialised monitoring agencies combining financial and domain knowledge have been deployed for effective monitoring of loans above Rs. 250 crore.
12. (v) To ensure timely and better realisation in one-time settlements (OTSs), end-to-end OTS platforms have been set up in PSBs.

***

## State-wise details of loans outstanding of Public Sector Banks as on 30.9.2021

| S.                                  | N. States &Union Territories   | Bank of Baroda   | Bank of India   | Bank of Maharashtra   | Canara Bank   | Central Bank of India   | Indian Bank   | Indian Overseas Bank   | Punjab National Bank   | Punjab& Sind Bank   | State Bank of India UCO Bank   | Union Bank of India   |
|-------------------------------------|--------------------------------|------------------|-----------------|-----------------------|---------------|-------------------------|---------------|------------------------|------------------------|---------------------|--------------------------------|-----------------------|
| 1 Andhra Pradesh                    | 24,452                         | 24,205           | 3,615           | 49,551                | 4,003         | 23,221                  | 8,791         | 13,051                 | 4,191                  | 1,43,120            | 2,469                          | 87,849                |
| 2 Arunachal Pradesh                 | 329                            | 53               | 40              | 194                   | 55            | 136                     | 9             | 183                    | 10                     | 3,655               | 76                             | 10                    |
| 3 Assam                             | 1,898                          | 924              | 331             | 2,863                 | 1,731         | 2,987                   | 552           | 8,850                  | 167                    | 31,000              | 2,382                          | 1,500                 |
| 4 Bihar                             | 7,183                          | 8,003            | 925             | 15,145                | 6,425         | 7,246                   | 1,392         | 18,160                 | 226                    | 36,911              | 3,404                          | 4,546                 |
| 5 Chhattisgarh                      | 9,172                          | 5,513            | 1,272           | 5,067                 | 3,741         | 2,603                   | 682           | 7,982                  | 264                    | 32,013              | 2,628                          | 4,347                 |
| 6 Goa                               | 1,160                          | 1,656            | 820             | 2,452                 | 558           | 118                     | 471           | 853                    | 20                     | 4,609               | 154                            | 1,659                 |
| 7 Gujarat                           | 77,955                         | 22,411           | 2,791           | 13,092                | 10,534        | 11,688                  | 4,346         | 20,625                 | 990                    | 1,13,544            | 5,774                          | 26,079                |
| 8 Haryana                           | 20,068                         | 4,060            | 910             | 12,877                | 4,219         | 3,817                   | 2,457         | 29,798                 | 2,678                  | 44,443              | 3,098                          | 8,318                 |
| 9 Himachal Pradesh                  | 692                            | 374              | 37              | 973                   | 874           | 302                     | 101           | 9,046                  | 394                    | 11,211              | 2,967                          | 684                   |
| 10 Jharkhand                        | 2,902                          | 10,397           | 144             | 4,471                 | 1,114         | 3,197                   | 762           | 4,672                  | 289                    | 23,660              | 832                            | 2,984                 |
| 11 Karnataka                        | 54,330                         | 21,557           | 7,450           | 1,17,026              | 4,301         | 14,555                  | 5,418         | 11,426                 | 675                    | 1,42,152            | 2,610                          | 50,614                |
| 12 Kerala                           | 12,664                         | 4,013            | 2,376           | 50,050                | 5,348         | 8,752                   | 6,397         | 7,745                  | 262                    | 86,736              | 3,800                          | 22,594                |
| 13 Madhya Pradesh                   | 14,102                         | 26,730           | 5,537           | 15,937                | 13,022        | 10,448                  | 1,167         | 24,249                 | 978                    |                     | 78,756 6,421                   | 16,086                |
| 14 Maharashtra                      | 1,53,812                       | 1,25,096         | 62,944          | 1,19,521              | 53,028        | 58,724                  | 25,791        | 1,40,950               | 9,967                  | 4,00,659            | 29,624                         | 1,64,525              |
| 15 Manipur                          | 347                            | 140              | 35              | 100                   | 84            | 95                      | 60            | 851                    | 66                     | 4,080               | 216                            | 27                    |
| 16 Meghalaya                        | 303                            | 61               | 10              | 154                   | 59            | 110                     | 50            | 249                    | 3                      | 5,434               | 50                             | 89                    |
| 17 Mizoram                          | 111                            | 37               | 10              | 78                    | 21            | 5                       | 11            | 136                    | 6                      | 2,122               | 108                            | 6                     |
| 18 Nagaland                         | 393                            | 30               | 46              | 60                    | 81            | 113                     | 6             | 78                     | 26                     | 4,202               | 111                            | 28                    |
| 19 Odisha                           | 6,831                          | 9,754            | 412             | 7,749                 | 1,506         | 5,803                   | 2,877         | 12,418                 | 325                    | 37,292              | 6,405                          | 10,799                |
| 20 Punjab                           | 4,219                          | 6,934            | 708             | 9,217                 | 3,710         | 7,380                   | 2,553         | 43,942                 | 12,337                 | 47,860              | 3,771                          | 8,839                 |
| 21 Rajasthan                        | 36,270                         | 8,221            | 972             | 11,149                | 5,729         | 4,760                   | 2,428         | 38,634                 | 2,130                  |                     | 85,381 6,785                   | 10,579                |
| 22 Sikkim                           | 215                            | 25               | 298             | 149                   | 459           | 25                      | 26            | 199                    | 26                     | 1,640               | 58                             | 193                   |
| 23 Tamilnadu                        | 40,947                         | 18,363           | 3,714           | 1,14,396              | 11,584        | 1,00,759                | 55,151        | 23,324                 |                        | 851                 | 1,78,815 6,643                 | 39,486                |
| 24 Telangana                        | 27,924                         | 12,924           | 5,362           | 45,378                | 7,072         | 22,862                  | 15,418        | 24,460                 | 3,397                  | 1,37,364            | 6,247                          | 75,789                |
| 25 Tripura                          | 253                            | 297              | 15              | 312                   | 37            | 61                      | 66            | 1,221                  | 8                      |                     | 3,257 375                      | 166                   |
| 26 Uttarakhand                      | 4,569                          | 1,139            | 5,163           | 2,960                 | 673           | 1,145                   | 813           | 69,605                 |                        | 765                 | 92,668 597                     | 2,483                 |
| 27 Uttar Pradesh                    | 40,422                         | 19,985           | 97              | 31,533                | 9,708         | 33,080                  | 6,767         | 12,706                 | 5,168                  | 13,432              | 5,019                          | 36,096                |
| 28 West Bengal                      | 20,677                         | 18,159           | 1,309           | 16,217                | 7,099         | 21,491                  | 6,549         | 47,183                 | 3,879                  | 79,099              | 14,680                         | 25,204                |
| 29 Andaman & Nicobar                | Islands 99                     |                  | 2               | 266                   | 3             | 52                      | 22            | 63                     | -                      |                     | 2,118 26                       | 23                    |
| 30 Chandigarh                       | 964                            | 2,804            | 285             | 13,260                | 1,693         | 9,408                   | 1,412         | 15,835                 | 1,040                  | 12,207              | 4,044                          | 6,150                 |
| 31 Dadra & Nagar Haveli Daman & Diu | and 857                        | 35               | 20              | 109                   | 48            | 85                      | 41            | 161                    | -                      | 495                 | 15                             | 62                    |
| 32 The Government Delhi             | of NCT of 56,894               | 52,176           | 7,518           | 65,342                | 16,799        | 37,476                  | 14,532        | 1,24,830               | 16,227                 |                     | 2,82,861 14,969                | 78,819                |
| 33 Jammu &                          | Kashmir 144                    | 212              | 16              | 657                   | 10            | 167 189 -               | 27            | 1,815                  |                        | 195                 | 10,379 243                     | 344                   |
| 34 Ladakh                           | -                              | - -              | -               | - 79                  | -             |                         | -             | -                      | 56 -                   | - -                 | 856 - 20                       | 0 -                   |
| 35 Lakshdweep 36 Puducherry         | -                              | 217 349          | 49              | 731                   | 98            | - 2,505                 | 662           |                        | 224                    | 14                  | 2 2,540 376                    | 478                   |

Source: Public Sector Banks

## Annexure I

Amounts in crore Rs.

Annexure II Amounts in crore Rs.

## State-wise details of loans disbursed by Public Sector Banks during the period of FY2018-19, FY2019-20, FY2020-21 and H1FY2021-22

| S. N.                                   | States &Union Territories   | Bank of Baroda   | Bank of India   | Bank of Maharashtra   | Canara Bank   | Central Bank of India   | Indian Bank   | Indian Overseas Bank   | Punjab National Bank   | Punjab& Sind Bank State of   | Bank India UCO Bank   | Union Bank of India   |
|-----------------------------------------|-----------------------------|------------------|-----------------|-----------------------|---------------|-------------------------|---------------|------------------------|------------------------|------------------------------|-----------------------|-----------------------|
| 1 Andhra                                | Pradesh                     | 19,972 26,162    | 4,182           | 84,266                | 5,956         | 63,152                  | 17,939        | 19,609                 | 762                    | 1,64,857                     | 1,489                 | 82,948                |
| 2 Arunachal Pradesh                     |                             | 46               | 36              | 141                   | 46            | 100                     | 15            | 70                     | 8                      | 4,374                        | 11                    | 6                     |
| 3 Assam                                 | 83 800                      | 642              | 290             | 1,636                 | 995           | 1,024                   | 1,208         | 6,503                  | 100                    | 33,618                       | 875                   | 486                   |
| 4 Bihar                                 | 2,251                       | 4,450            | 847             | 14,127                | 3,117         | 3,380                   | 3,096         | 7,300                  | 128                    | 39,852                       | 811                   | 1,228                 |
| 5 Chhattisgarh                          | 3,020                       | 4,301            | 989             | 5,129                 | 2,042         | 3,917                   | 1,008         | 13,928                 | 125                    | 50,738                       | 568                   | 7,378                 |
| 6 Goa                                   | 835                         | 1,366            | 1,005           | 2,272                 | 470           | 134                     | 809           | 550                    | 15                     | 6,429                        | 134                   | 1,554                 |
| 7 Gujarat                               | 39,901                      | 22,696           | 2,018           | 12,074                | 6,300         | 10,337                  | 7,913         | 15,387                 | 942                    | 1,25,887                     | 2,663                 | 9,532                 |
| 8 Haryana                               | 9,917                       | 2,743            | 767             | 8,774                 | 2,205         | 9,986                   | 4,604         | 20,565                 | 1,683                  | 77,818                       | 1,873                 | 3,194                 |
| 9 Himachal Pradesh                      | 346                         | 227              | 29              | 719                   | 572           | 142                     | 180           | 4,420                  | 238                    | 11,106                       | 1,438                 | 304                   |
| 10 Jharkhand                            | 1,293                       | 6,157            | 124             | 2,722                 | 781           | 923                     | 1,408         | 2,165                  | 205                    | 30,856                       | 345                   | 1,176                 |
| 11 Karnataka                            | 49,044                      | 34,177           | 8,524           | 1,21,497              | 3,174         | 35,238                  | 9,061         | 13,081                 | 251                    | 1,57,338                     | 2,626                 | 46,089                |
| 12 Kerala                               | 9,144                       | 4,372            | 2,575           | 88,504                | 9,938         | 21,597                  | 13,293        | 15,960                 | 208                    | 1,15,453                     | 5,724                 | 22,166                |
| 13 Madhya Pradesh                       | 6,864                       | 11,792           | 4,033           | 59,335                | 6,057         | 5,881                   | 2,248         | 14,804                 | 606                    |                              | 90,848 2,496          | 5,544                 |
| 14 Maharashtra                          | 1,91,657                    | 3,07,177         | 78,964          | 1,77,290              | 38,438        | 1,20,195                | 30,812        | 3,47,116               | 23,727                 | 5,94,934                     | 23,697                | 1,08,242              |
| 15 Manipur                              | 257                         | 123              | 23              | 75                    | 42            | 14                      | 72            | 711                    | 33                     | 5,044                        | 139                   | 23                    |
| 16 Meghalaya                            | 174                         | 31               | 9               | 1,112                 | 72            | 20                      | 64            | 154                    | 3                      | 6,956                        | 29                    | 33                    |
| 17 Mizoram                              | 24                          | 33               | 7               | 44                    | 10            | 5                       | 24            | 74                     | 6                      | 2,423                        | 51                    | 3                     |
| 18 Nagaland                             | 232                         | 27               | 38              | 45                    | 84            | 32                      | 9             | 36                     | 18                     | 5,933                        | 69                    | 14                    |
| 19 Odisha                               | 2,110                       | 33,071           | 441             | 8,688                 | 1,053         | 3,819                   | 5,142         | 15,442                 | 2,305                  | 48,522                       | 4,210                 | 13,300                |
| 20 Punjab                               | 1,879                       | 3,332            | 539             | 7,102                 | 1,982         | 3,723                   | 4,997         | 16,205                 | 4,955                  | 80,907                       | 1,583                 | 3,604                 |
| 21 Rajasthan                            | 13,921                      | 6,530            | 636             | 7,824                 | 4,043         | 1,905                   | 4,208         | 18,903                 | 1,130                  | 89,368                       | 2,761                 | 5,598                 |
| 22 Sikkim                               | 125                         | 20               | 125             | 149                   | 484           | 17                      | 37            | 133                    | 25                     | 1,716                        | 44                    | 64                    |
| 23 Tamilnadu                            | 34,328                      | 23,890           | 3,922           | 1,59,212              | 15,718        | 2,86,767                | 1,03,772      | 46,570                 | 352                    | 2,62,728                     | 6,143                 | 60,915                |
| 24 Telangana                            | 12,985                      | 9,636            | 4,345           | 31,817                | 3,660         | 24,038                  | 11,576        | 16,202                 | 976                    | 1,34,252                     | 2,144                 | 58,178                |
| 25 Tripura                              | 102                         | 235              | 11              | 229                   | 25            | 25                      | 174           | 572                    | 5                      | 3,777                        | 174                   | 50                    |
| 26 Uttarakhand                          | 1,852                       | 1,824            | 3,955           | 2,355                 | 456           | 314                     | 10,883        | 6,612                  | 433                    | 14,768                       | 326                   | 905                   |
| 27 Uttar Pradesh                        | 14,769                      | 13,007           | 82              | 22,792                | 5,324         | 9,739                   | 1,230         | 42,550                 | 2,874                  | 1,03,382                     | 2,262                 | 11,049                |
| 28 West Bengal                          | 13,254                      | 29,130           | 1,724           | 24,686                | 3,342         | 10,946                  | 9,189         | 51,798                 | 7,218                  | 1,03,994                     | 7,437                 | 15,091                |
| 29 Andaman & Nicobar Islands            | 57                          | -                | 2               | 268                   | 3             | 41                      | 40            | 15                     | -                      | 2,371                        | 21                    | 8                     |
| 30 Chandigarh                           | 337                         | 4,674            | 182             | 11,193                | 801           | 23,947                  | 307           | 43,755                 | 677                    | 20,557                       | 4,196                 | 3,764                 |
| 31 Dadra & Nagar Haveli and Daman & Diu | 382                         | 33               | 13              | 83                    | 16            | 91                      | 83            | 65                     | -                      | 490                          | 10                    | 23                    |
| 32 The Government of NCT of Delhi       | 86,827                      | 1,01,828         | 11,771          | 78,857                | 12,877        | 82,671                  | 31,371        | 3,67,668               | 13,670                 | 4,08,747                     | 5,248                 | 91,993                |
| 33 Jammu & Kashmir                      | 79                          | 80               | 10              | 350                   | 126           | 67                      | 153           | 1,176                  | 107                    | 15,060                       | 140                   | 121                   |
| 34 Ladakh                               | -                           | -                | -               | -                     | 6             | -                       | -             | 40                     | -                      | 1,208                        | -                     | -                     |
| 35 Lakshdweep                           |                             | - -              |                 | - 1,185               | 68 211        | - -                     | -             | -                      | -                      |                              | 28 0                  | -                     |
| 36 Puducherry                           | 165                         | 471              | 46              |                       |               | 5,957                   | 1,440         | 194                    | 10                     | 3,428                        | 440                   | 285                   |

Source: Public Sector Banks

## Annexure III

Amounts in crore Rs.

## Details of repayment received in loans disbursed during the period of FY2018-19, FY2019-20, FY2020-21 and H1FY2021-22 by Public Sector Banks

|   S. N. | States &Union Territories            | FY2018-19   | FY2019-20   | FY2020-21   | H1FY2021-22   |
|---------|--------------------------------------|-------------|-------------|-------------|---------------|
|       1 | Andhra Pradesh                       | 11,986      | 20,051      | 27,561      | 12,184        |
|       2 | Arunachal Pradesh                    | 26          | 77          | 85          | 29            |
|       3 | Assam                                | 291         | 2,187       | 843         | 483           |
|       4 | Bihar                                | 3,551       | 1,054       | 2,189       | 1,438         |
|       5 | Chhattisgarh                         | 791         | 3,031       | 929         | 485           |
|       6 | Goa                                  | 147         | 373         | 466         | 356           |
|       7 | Gujarat                              | 2,170       | 3,444       | 4,880       | 2,698         |
|       8 | Haryana                              | 814         | 2,084       | 4,079       | 1,499         |
|       9 | Himachal Pradesh                     | 133         | 222         | 451         | 307           |
|      10 | Jharkhand                            | 316         | 738         | 854         | 417           |
|      11 | Karnataka                            | 10,754      | 15,026      | 18,177      | 10,480        |
|      12 | Kerala                               | 14,012      | 15,477      | 15,605      | 4,415         |
|      13 | Madhya Pradesh                       | 970         | 15,179      | 2,812       | 1,613         |
|      14 | Maharashtra                          | 18,351      | 49,952      | 80,831      | 36,753        |
|      15 | Manipur                              | 28          | 102         | 100         | 91            |
|      16 | Meghalaya                            | 29          | 92          | 106         | 36            |
|      17 | Mizoram                              | 13          | 47          | 50          | 16            |
|      18 | Nagaland                             | 21          | 118         | 128         | 39            |
|      19 | Odisha                               | 986         | 2,376       | 6,348       | 1,232         |
|      20 | Punjab                               | 969         | 1,378       | 1,988       | 1,966         |
|      21 | Rajasthan                            | 1,289       | 1,562       | 2,298       | 1,500         |
|      22 | Sikkim                               | 38          | 42          | 76          | 41            |
|      23 | Tamilnadu                            | 33,987      | 41,313      | 49,021      | 14,355        |
|      24 | Telangana                            | 4,197       | 6,846       | 9,481       | 5,197         |
|      25 | Tripura                              | 50          | 93          | 93          | 75            |
|      26 | Uttarakhand                          | 1,136       | 973         | 2,087       | 1,031         |
|      27 | Uttar Pradesh                        | 1,220       | 2,388       | 4,056       | 3,472         |
|      28 | West Bengal                          | 7,369       | 10,037      | 13,025      | 8,017         |
|      29 | Andaman & Nicobar Islands            | 29          | 57          | 79          | 28            |
|      30 | Chandigarh                           | 1,150       | 4,102       | 4,663       | 6,009         |
|      31 | Dadra & Nagar Haveli and Daman & Diu | 11          | 20          | 22          | 12            |
|      32 | The Government of NCT of Delhi       | 18,820      | 14,635      | 34,982      | 22,727        |
|      33 | Jammu & Kashmir                      | 92          | 239         | 452         | 207           |
|      34 | Ladakh                               | 5           | 20          | 23          | 12            |
|      35 | Lakshdweep                           | 1           | 2           | 2           | 1             |
|      36 | Puducherry                           | 475         | 516         | 635         | 331           |

Source: Public Sector Banks