Lok Sabha Question No. 4055 (UNSTARRED), answered on 2022-03-28
Subject: Bank Loan Defaulters
Ministry: FINANCE
Asked by: M. K. Raghavan

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## LOK SABHA UNSTARRED QUESTION NO-4055

ANSWERED ON 28/03/2022

## BANK LOAN DEFAULTERS

4055. SHRI MK RAGHAVAN

Will the Minister of FINANCE be pleased to state:

(a) whether the Government has any data regarding the total number of corporate defaulters in banking sector since 2013; large

(6)if so, the details regarding such defaulters including their names, year and amount of such default;

whether the Government has any data regarding the number of properties attached under SARFAESI Act since 2013,if so,the details thereof; and

(d) whether the Government has any data regarding the number of suicides that have occurred as a result of nonavailability of sufficient bank credit; interest rates, unauthorised apps etc in retail sector and if so, the details thereof? rising lending private

## ANSWER

## THE MNSTER OF STATE IN THE MNISTRY OF FINANCE

## (DR BHAGWAT KARAD)

(a) to (d: Scheduled Commercial Banks (SCBs) and All Indian Financial Institutions report certain credit information of all borrowers aggregate credit exposure of Rs. 5 crore and above to RBI, under its CRILC database, since quarter ended June 2014. As per CRILC data, details of borrowers identified as companies, and classified as non-performing asset (NPA), since 31.3.2015,are at Annexure 1. having unique

RBI has   informed that the details of properties attached under   Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) 2002, are not maintained at it. However; as per RBI data, maintained since FY 2015-16, action under SARFAESI 2002 has been initiated under 11.25 lakh borrowers by SCBs from FY 2015-16 to FY 2020-21. Act, Act, against

RBI has that under the provisions of section 45E of the RBI 1934, RBI is prohibited from disclosing borrower-wise credit information Section 45E provides that credit information submitted by a bank shall be treated as confidential and not to be published or otherwise disclosed. apprised Act,

As per National Crime Records Bureau, cause-wise details of suicides committed by people during 2018-2020 are at Annexure 2.

Lok Sabha unstarred question no. 4055,to be answered on 28u Match 2022

Number of borrowers aggregate credit exposure of Rs. 5 crore and abovez and identifiedas companies, and classified as non-performing asset (NPA) As on No. of borrowers identified as companies (based on the PAN) and unique having unique

Source: Reserve Bank of India

| 31.03.2015   | 3,931   |
|--------------|---------|
| 31.03.2016   | 5,458   |
| 31.03.2017   | 5,570   |
| 31.03.2018   | 5,710   |
| 31.03.2019   | 5,622   |
| 31.03.2020   | 5,755   |
| 31.03.2021   | 5,623   |
| 31.12.2021   | 5,231   |

## Lok Sabha Unstarred question no. 4055, to be answered on 28h March 2022

## Cause-wise details of suicides committed by people 2018-2020 during

| Causes                              | 2018   | 2019   | 2020   |
|-------------------------------------|--------|--------|--------|
| Bankruptcy or indebtedness          | 4,970  | 5,908  | 5,213  |
| Marriage Related Issues             | 8,284  | 7,595  | 7,636  |
| Non-Settlement of Marriage          | 2,585  | 2331   | 2,237  |
| Dowry Related Issues_               | 2,016  | 1,956  | 2,018  |
| Extra Marital affairs               | 1,263  | 1,114  | 1,360  |
| Divorce                             | 646    | 540    | 551    |
| Others                              | 1,774  | 1,654  | 1470   |
| Failure in Examination              | 2,625  | 2,744  | 2,080  |
| Impotency/ Infertility              | 297    | 428    | 290    |
| Other Familyproblems                | 40,935 | 45,140 | 51,477 |
| Ilness                              | 23,764 | 23,830 | 27,623 |
| AIDST STD                           |        | 222    | 187    |
| Cancer                              | 1,267  | 1,174  | 1,260  |
| Paralysis                           | 1,121  | 929    | 880    |
| Insanity/ Mental ilness             | 10,134 | 11,009 | 13,796 |
| Other prolonged illness             | 11,070 | 10,496 | 11,500 |
| Death of dear_person_               | 1,073  | 1186   | 1,452  |
| abuse/ addiction Drug               | 7,193  | 7,860  | 9,169  |
| Fall in social reputation           | 524    | 560    | 674    |
| Ideological causes/Hero worshipping | 94     | 129    | 164    |
| Love affairs                        | 5,342  | 6,311  | 6,757  |
| Poverty                             | 1,202  | 1122   | 1,901  |
| Unemployment                        | 2,741  | 2,851  | 3,548  |
| Property dispute_                   | 1209   | 1,478  | 1,331  |
| Suspected /Illicit relation         | 653    | 697    | 820    |
| Tllegitimate Pregnancy              | 44     | 16     | 39     |
| Physical Abuse etc: (Rape;          | 192    | 153    | 63     |
| Professional/ Career Problem        | 1,697  | 1,658  | 1,837  |
| Causes not known                    | 14,828 | 14,265 | 15,933 |
| Other causes                        | 16,849 | 15,192 | 15,045 |

Source: NCRB, MHA