Lok Sabha Question No. 2518 (UNSTARRED), answered on 2025-12-15
Subject: Outstanding Agricultural Loans against Farmers
Ministry: FINANCE
Asked by: Shri Hanuman Beniwal, Adv. Chandra Shekhar

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

## LOK SABHA

## UNSTARRED QUESTION NO. 2518

ANSWERED ON MONDAY, DECEMBER 15, 2025/AGRAHAYANA 24, 1947 (SAKA)

## Outstanding Agricultural Loans against Farmers

†2518. SHRI HANUMAN BENIWAL: ADV. CHANDRA SHEKHAR:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has any information about the economic condition of the farmers in the country  and their outstanding agricultural loans including Rajasthan and Uttar Pradesh;
- (b) if so, the details thereof;
- (c) the details of various categories of banks along with their respective amount of outstanding agricultural loans against farmers;
- (d) whether the Government has any plan to waive off the entire agricultural loan of the farmers of the country in the interest of the farmers including Rajasthan and Uttar Pradesh; and
- (e) if so, the time by which the said loans are likely to be waived off and if not, the reasons therefor?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a) and (b) The National Sample Survey Office (NSSO), Ministry of Statistics and Programme Implementation  (MoSPI)  conducted  Situation  Assessment  Survey  (SAS)  of  Agricultural Households during  National Sample Survey (NSS) 70th (January - December, 2013) and 77th round (January - December, 2019) in the rural areas of the country. As per result of SAS, the average monthly income per agricultural household has increased from Rs. 6,426 during 201213  to  Rs.  10,218  in  2018-19.  Further,  as  informed  by  NABARD,  institutional  credit  has significantly improved and the share of non-institutional credit sources dropped from 90% in 1950 to about 25% in 2022.
- (c)  The  State/UT-wise  and  Agency  wise  details  of    outstanding  agriculture  loans  as  on  30 September 2025, including the states of Rajasthan and Uttar Pradesh are given in the Annexure.
- (d) and (e) No such proposal is currently under consideration with the Government.

*****

Annexure

## Statement referred to in part (c) of Lok Sabha Un-Starred Question no. 2518 on 'Outstanding Agricultural Loans against Farmers' due for answer on 15.12.2025

## Details of State/UT-wise and Agency wise outstanding agriculture loans as on 30 September 2025*

| Sr. No   | State/UT                        | Commercial Banks   | Commercial Banks   | Cooperative Banks   | Cooperative Banks   | Regional Rural Banks   | Regional Rural Banks   | Total Loans to Agriculture by all categories of Banks   | Total Loans to Agriculture by all categories of Banks   |
|----------|---------------------------------|--------------------|--------------------|---------------------|---------------------|------------------------|------------------------|---------------------------------------------------------|---------------------------------------------------------|
| Sr. No   | State/UT                        | A/c.               | Amt.               | A/c.                | Amt.                | A/c.                   | Amt.                   | A/c.                                                    | Amt.                                                    |
| 1        | DELHI                           | 4                  | 26,998             | 0                   | 0                   | -                      | -                      | 4                                                       | 26,998                                                  |
| 2        | HARYANA                         | 19                 | 73,340             | 13                  | 14,794              | 5                      | 11,878                 | 37                                                      | 1,00,013                                                |
| 3        | HIMACHAL PRADESH                | 4                  | 9,382              | 2                   | 3,399               | 1                      | 1,818                  | 7                                                       | 14,599                                                  |
| 4        | JAMMU and KASHMIR               | 19                 | 18,753             | 0                   | 22                  | 2                      | 1,467                  | 20                                                      | 20,242                                                  |
| 5        | PUNJAB                          | 22                 | 87,536             | 0                   | 797                 | 3                      | 9,138                  | 25                                                      | 97,471                                                  |
| 6        | RAJASTHAN                       | 56                 | 1,49,442           | 37                  | 17,875              | 13                     | 28,561                 | 106                                                     | 1,95,878                                                |
| 7        | CHANDIGARH UT                   | 0                  | 3,068              | 0                   | 0                   | -                      | -                      | 0                                                       | 3,068                                                   |
| 8        | LADAKH                          | 1                  | 706                | 0                   | 15                  | 0                      | 11                     | 1                                                       | 733                                                     |
| 9        | ARUNACHAL PRADESH               | 0                  | 513                | -                   | -                   | -                      | -                      | 0                                                       | 513                                                     |
| 10       | ASSAM                           | 12                 | 15,993             | 0                   | 214                 | 4                      | 5,065                  | 17                                                      | 21,273                                                  |
| 11       | MANIPUR                         | 0                  | 1,022              | 0                   | 180                 | 0                      | 128                    | 1                                                       | 1,331                                                   |
| 12       | MEGHALAYA                       | 1                  | 609                | 0                   | 188                 | 0                      | 319                    | 1                                                       | 1,116                                                   |
| 13       | MIZORAM                         | 0                  | 222                | 0                   | 504                 | 0                      | 845                    | 1                                                       | 1,570                                                   |
| 14       | NAGALAND                        | 1                  | 676                | 0                   | 226                 | 0                      | 16                     | 1                                                       | 919                                                     |
| 15       | SIKKIM                          | 0                  | 353                | 0                   | 43                  | -                      | -                      | 0                                                       | 396                                                     |
| 16       | TRIPURA                         | 2                  | 1,684              | 0                   | 1,821               | 1                      | 1,060                  | 4                                                       | 4,565                                                   |
| 17       | A and N ISLAND                  | 0                  | 500                | 0                   | 21                  | -                      | -                      | 0                                                       | 521                                                     |
| 18       | BIHAR                           | 71                 | 56,373             | 6                   | 5,285               | 22                     | 24,148                 | 99                                                      | 85,806                                                  |
| 19       | JHARKHAND                       | 23                 | 17,009             | 0                   | 58                  | 5                      | 5,066                  | 28                                                      | 22,134                                                  |
| 20       | ODISHA                          | 44                 | 49,416             | 34                  | 22,464              | 7                      | 7,991                  | 84                                                      | 79,871                                                  |
| 21       | WEST BENGAL                     | 47                 | 72,584             | 21                  | 6,055               | 8                      | 10,412                 | 76                                                      | 89,050                                                  |
| 22       | CHHATTISGARH                    | 10                 | 23,540             | 18                  | 9,355               | 2                      | 3,485                  | 31                                                      | 36,380                                                  |
| 23       | MADHYA PRADESH                  | 55                 | 1,30,075           | 30                  | 27,490              | 7                      | 11,730                 | 92                                                      | 1,69,295                                                |
| 24       | UTTARAKHAND                     | 4                  | 13,268             | 4                   | 2,564               | 1                      | 740                    | 9                                                       | 16,572                                                  |
| 25       | UTTAR PRADESH                   | 101                | 1,68,730           | 28                  | 11,510              | 46                     | 60,411                 | 174                                                     | 2,40,651                                                |
| 26       | GOA                             | 1                  | 1,669              | -                   | -                   | -                      | -                      | 1                                                       | 1,669                                                   |
| 27       | GUJARAT                         | 37                 | 1,10,677           | 14                  | 38,385              | 5                      | 13,126                 | 57                                                      | 1,62,188                                                |
| 28       | MAHARASHTRA                     | 88                 | 2,34,910           | 47                  | 45,775              | 9                      | 10,443                 | 144                                                     | 2,91,128                                                |
| 29       | D &NHAVELI UT and DAMAN &DIU UT | 0                  | 284                | 0                   | 20                  | -                      | -                      | 0                                                       | 304                                                     |
| 30       | ANDHRA PRADESH                  | 104                | 2,89,481           | 27                  | 33,739              | 31                     | 53,604                 | 162                                                     | 3,76,823                                                |
| 31       | TELANGANA                       | 54                 | 1,30,427           | 10                  | 9,395               | 15                     | 25,225                 | 80                                                      | 1,65,047                                                |
| 32       | KARNATAKA                       | 87                 | 1,78,647           | 36                  | 29,420              | 21                     | 38,840                 | 145                                                     | 2,46,907                                                |
| 33       | KERALA                          | 59                 | 1,25,087           | 1                   | 12,084              | 15                     | 21,221                 | 75                                                      | 1,58,393                                                |
| 34       | PUDUCHERRY                      | 3                  | 6,408              | 0                   | 5                   | 1                      | 1,626                  | 4                                                       | 8,040                                                   |
| 35       | TAMILNADU                       | 213                | 4,48,254           | 25                  | 20,794              | 18                     | 25,797                 | 256                                                     | 4,94,845                                                |
| 36       | LAKSHADWEEP UT                  | 0                  | 120                | -                   | -                   | -                      | -                      | 0                                                       | 120                                                     |

Data Source: Data submitted by banks on ENSURE portal of NABARD;      *:Provisional data