Lok Sabha Question No. 2255 (UNSTARRED), answered on 2021-08-02
Subject: Credits to NBFCs
Ministry: FINANCE
Asked by: Maneka Sanjay Gandhi

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

ANSWERED ON- 02/08/2021

## LOK SABHA UNSTARRED QUESTION NO-2255

## CREDITS TO NBFCs

2255. SHRIMATI MANEKA SANJAY GANDHI

Will the Minister of FINANCE be pleased to state:-

- (a) the criteria for banks to provide credits to Non-Banking Financial (NBFCs); and Companies
- (6) the data related to bank wise amount of credit/loans to NBFCs from 2014-2019?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

(DR BHAGWAT KARAD)

(2: The Reserve Bank of India (RBI) has informed that banks formulate loan policy with the approval of theit Boards of Directors within the prudential guidelines and exposure norms prescribed by RBI to extend various kinds of credit facilities to NBFCs, subject to conditions laid out in RBIs Master Circular on Bank Finance to NBFCs, dated 1.7.2015. RBI has   further   apprised that as per the said  Master Circular; RBI places restrictions on banks on of certain activities undertaken by NBFCs like granting of bridge loans to NBFCs, providing of indirectly enable placement of deposits with NBFCs, and investing in securities of instruments issued by NBFCs. financing loans

- (6): RBI has informed that the details regarding the amount of credits O loans to NBFCs by scheduled commercial banks (SCBs) between 2014 maintained by it: As per RBI data, the bank-wise details of the loan outstanding (fund based) of NBFCs given by scheduled commercial banks, as at 31.3.2015 and as at 31.3.2019 is at Annex. RBI has further informed that data to 31.3.2015 is not maintained with it. prior

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## Lok Sabha unstarred question no. 2255, regarding Credit to NBFCs

Annex

## Details of loan outstanding (fund based) of NBFCs given by Scheduled Commercial Banks

Amounts in crore Rs.

| Bank                                            | 31.3.2015   | 31.3.2019   |
|-------------------------------------------------|-------------|-------------|
| Abu Dhabi Commercial Bank PJSC                  | 164         | 373         |
| Ametican Express Banking Corporation            |             | 2           |
| AU Small Finance Bank Limited                   |             | 2,713       |
| Australia and New Zealand Banking Limited Group | 161         | 170         |
| Axis Bank Limited                               | 3,922       | 15,458      |
| Bandhan Bank Limited                            |             | 2,034       |
| Bank of Ametica, National Association           | 235         | 3,096       |
| Bank of Bahrain and Kuwait B.S.C.               |             | 190         |
| Bank of Baroda                                  |             | 66,448      |
| Dena Bank                                       | 11,112      | 9,330       |
| Vijaya Bank                                     | 10,265      | 14,594      |
| Bank of India                                   | 26,881      | 39,930      |
| Bank of Maharashtra                             | 11,976      | 10,673      |
| Bank of Nova Scotia                             | 929         |             |
| Barclays Bank PLC                               | 624         | 542         |
| BNP Paribas                                     | 1,311       | 756         |
| Canara Bank                                     | 24,265      | 52,943      |
| Syndicate Bank                                  | 24,195      | 29,091      |
| Capital Small Finance Bank Limited              |             | 100         |
| Catholic Syrian Bank Limited                    | 92          | 2,114       |
| Central Bank of India                           | 9,185       | 10,234      |
| Citibank NA                                     | 3,634       | 2,310       |
| Union Bank Limited City                         | 164         | 249         |
| Cooperatieve Rabobank UA                        | 18          | 183         |
| Credit Agricole Coxporate and Investment Bank   | 395         | 280         |
| Credit Suisse AG                                | 710         | 510         |
| CTBC Bank Company Limited                       | 55          | 250         |
| DBS Bank India Limited                          | 142         | 1,360       |
| DCB Bank Limited                                | 817         | 1,445       |
| Deutsche Bank AG                                | 4,003       | 5,443       |
| Doha Bank QPS.C                                 |             | 181         |
| Emirates NBD Bank (PJS.C)                       |             | 78          |
| ESAF Small Finance Bank Limited                 |             | 31          |
| Federal Bank Limited                            |             |             |
|                                                 | 3,149       | 14,376      |

| Fincare Small Finance Bank Limited                                   |        | 257      |
|----------------------------------------------------------------------|--------|----------|
| FirstRand Bank Limited                                               | 35     | 166      |
| HDFC Bank Limited                                                    | 12,635 | 36,535   |
| Hongkong and Shanghai Corporation Limited Banking                    | 3,105  | 6,666    |
| ICICI Bank Limited                                                   | 2,047  | 21,565   |
| IDBI Bank Limited                                                    | 3,280  | 4,930    |
| IDFC First Bank Limited                                              |        | 7,232    |
| Indian Bank                                                          | 66     | 10,524   |
| Allahabad Bank                                                       | 5,358  | 11,556   |
| Indian Overseas Bank                                                 | 6,356  | 5,528    |
| IndusInd Bank Limited                                                | 1,551  | 14,492   |
| Industrial and Commercial Bank of China                              | 167    | 172      |
| ING Vysya Bank Limited                                               | 1,187  |          |
|                                                                      | 3,622  | 7,617    |
| JPMorgan Chase Bank National Association                             | 1,256  | 2,142    |
| Karnataka Bank Limited                                               | 1,602  | 8,467    |
| KarurVysya Bank Limited                                              | 968    | 1,569    |
| Kotak Mahindra Bank Limited                                          | 2,183  | 7,440    |
| Lakshmi Vilas Bank Limited                                           | 819    | 1,598    |
| Mizuho Bank Limited                                                  |        | 1,818    |
| MUFG Bank Limited                                                    | 1,056  | 1,329    |
| Punjab and Sind Bank                                                 | 12,081 | 13,946   |
| Punjab National Bank                                                 |        |          |
| Oriental Bank of Commerce                                            | 13,802 | 14,653   |
| United Bank of India                                                 | 6,128  | 11,879   |
| Qatar National Bank SAQ                                              |        | 128      |
| RBL Bank Limited                                                     | 1,431  | 2,936    |
| SBM Bank (India) Limited                                             | 141    | 151      |
| Shinhan Bank                                                         | 28     | 502      |
| South Indian Bank Limited                                            | 2,525  | 6,312    |
| Standard Chartered Bank                                              | 990    | 575      |
| State Bank of India (SBI)                                            | 23,975 | 63,259   |
| State Bank of Bikaner and Jaiput                                     | 5,049  | Merged   |
| State Bank of Hyderabad                                              | 2,130  | Merged   |
| State Bank of Mysore                                                 | 1,594  | Merged   |
| State Bank of Patiala                                                | 2,631  | into SBI |
| State Bank of Travancore                                             | 1,943  | Merged   |
| Bharatiya Mahila Bank Limited                                        | 177    | Merged   |
| Sumitomo Mitsui Corporation Banking                                  |        | 967      |
| Suryoday Small Finance Bank Limited Tamilnad Mercantile Bank Limited |        | 48       |

| The Dhanalakshmi Bank Limited      | 558    | 755    |
|------------------------------------|--------|--------|
| The Royal Bank of Scotland PLC     | 1,244  |        |
| UCO Bank                           |        | 6,467  |
| Ujjivan Small Finance Bank Limited |        | 225    |
| Union Bank of India                | 24,312 | 21,691 |
| Andhra Bank                        | 8,072  | 6,502  |
| Corporation Bank                   | 8,319  | 10,475 |
| United Overseas Bank Limited       | 100    | 250    |
| Utkatsh Small Finance Bank Limited |        | 273    |
| Westpac Banking Cotporation        | 75     |        |
| Woori Bank                         |        | 246    |
| Yes Bank Limited                   | 3,030  | 9,159  |

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Source: Reserve Bank of India