Lok Sabha Question No. 955 (UNSTARRED), answered on 2025-02-10
Subject: Crop Loans to Farmers by NABARD
Ministry: FINANCE
Asked by: Shri Bhausaheb Rajaram Wakchaure

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA

## Unstarred Question No. 955

Answered on Monday, 10 February, 2025/ 21 Magha, 1946 (Saka)

## Crop Loans to Farmers by NABARD

†955. Shri Bhausaheb Rajaram Wakchaure:

Will the Minister of FINANCE be pleased to state:

- (a)  whether  the  crop  loan  is  being  provided  by  NABARD  to  the  farmers  of  the  country  at affordable interest rates;
- (b) whether all the nationalised banks and private banks of the country also provides loans to farmers at affordable interest rates;
- (c) if so, the details thereof; and

(d) the number of farmers provided with crop loans by nationalized banks and private banks during the last three years and the current year, year and State-wise especially in Ahmednagar

district of Maharashtra?

## Answer

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

(a) to (d): Government of India, under Modified Interest Subvention Scheme (MISS), provides interest subvention of 1.5 % to banks for enabling short-term working capital loans to farmers

under Kisan Credit Card (KCC) scheme at 7% p.a. Further, a Prompt Repayment Incentive

(PRI) of 3% is also provided to farmers on timely repayment of these loans. Therefore, the effective interest rate for farmers is 4%.

NABARD does not provide loans directly to farmers. However, NABARD provides refinance facility to banks in order to ensure availability of credit to the farmers.

As informed by NABARD, the details of number of farmers provided with crop loans during

Annexure I

the last three years, State/UT-wise is given at

. The crop loan data for Ahmednagar district,  as  provided  by  State  Level  Bankers'  Committee  (SLBC),  Maharashtra  is  given  at

Annexure II

.

******

## Statement referred to in part (a) to (d) of Lok Sabha Un-Starred Question No. 955 on 'Crop Loans to Farmers by NABARD ' due for answer on 10.02.2025

State wise list of number of accounts provided with crop loans

(No. in Lakhs)

|   SN | State/UT                                 |   FY 2021-22 No. of Accounts |   FY 2022-23 No. of Accounts |   FY 2023-24 No. of Accounts |   FY 2024-25 No. of Accounts |
|------|------------------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|
|    1 | Delhi                                    |                         0.1  |                         0.39 |                         0.39 |                         0.15 |
|    2 | Haryana                                  |                        13.08 |                        17.02 |                        17.47 |                         7.81 |
|    3 | Himachal Pradesh                         |                         3.63 |                         5.07 |                         5.44 |                         2.23 |
|    4 | Jammu &Kashmir                           |                        13.1  |                        14.99 |                        17.33 |                         0.43 |
|    5 | Punjab                                   |                        16.72 |                        20.97 |                        21.61 |                         8.95 |
|    6 | Rajasthan                                |                        37.86 |                        42.47 |                        42.98 |                        19.9  |
|    7 | Chandigarh                               |                         0.09 |                         0.07 |                         0.13 |                         0.02 |
|    8 | Ladakh                                   |                         0.55 |                         0.62 |                         0.66 |                         0.04 |
|    9 | Arunachal Pradesh                        |                         0.07 |                         0.17 |                         0.17 |                         0.06 |
|   10 | Assam                                    |                         2.05 |                         3.22 |                         4.05 |                         1.54 |
|   11 | Manipur                                  |                         0.09 |                         0.16 |                         0.17 |                         0.08 |
|   12 | Meghalaya                                |                         0.2  |                         0.22 |                         0.31 |                         0.13 |
|   13 | Mizoram                                  |                         0.06 |                         0.09 |                         0.11 |                         0.05 |
|   14 | Nagaland                                 |                         0.36 |                         0.37 |                         0.41 |                         0.18 |
|   15 | Sikkim                                   |                         0.06 |                         0.08 |                         0.16 |                         0.04 |
|   16 | Tripura                                  |                         0.34 |                         0.52 |                         0.54 |                         0.25 |
|   17 | Andaman &Nicobar Island                  |                         0.06 |                         0.1  |                         0.11 |                         0.05 |
|   18 | Bihar                                    |                         6.75 |                        13.18 |                        17.19 |                         5.57 |
|   19 | Jharkhand                                |                         5.4  |                        10.68 |                         6.37 |                         4.18 |
|   20 | Odisha                                   |                         7.47 |                        12.63 |                        14.15 |                         5.85 |
|   21 | West Bengal                              |                         9.57 |                        17.13 |                        20.89 |                         7.28 |
|   22 | Chhattisgarh                             |                         3.72 |                         4.73 |                         4.79 |                         2.06 |
|   23 | Madhya Pradesh                           |                        39.91 |                        41.08 |                        42.51 |                        16.62 |
|   24 | Uttarakhand                              |                         2.57 |                         3.22 |                         3.33 |                         1.2  |
|   25 | Uttar Pradesh                            |                        41.82 |                        54.14 |                        48.85 |                        17.09 |
|   26 | Goa                                      |                         0.29 |                         0.38 |                         0.41 |                         0.17 |
|   27 | Gujarat                                  |                        17.68 |                        20.76 |                        21.25 |                        11.57 |
|   28 | Maharashtra                              |                        26.2  |                        32.85 |                        29.55 |                        11.53 |
|   29 | Dadra and Nagar Haveli and Daman and Diu |                         0.03 |                         0.04 |                         0.04 |                         0.02 |
|   30 | Andhra Pradesh                           |                        45.03 |                        57.06 |                        66.77 |                        24.02 |
|   31 | Telangana                                |                        24.74 |                        29.88 |                        37.21 |                        16.26 |
|   32 | Karnataka                                |                        35.55 |                        37.26 |                        27.25 |                        11.48 |
|   33 | Kerala                                   |                        31.24 |                        41.55 |                        45.19 |                        15.59 |
|   34 | Puducherry                               |                         1.21 |                         1.66 |                         1.96 |                         0.38 |
|   35 | Tamil Nadu                               |                        99.9  |                       121.41 |                       131.34 |                        27.23 |
|   36 | Lakshadweep                              |                         0.01 |                         0.03 |                         0.04 |                         0.01 |

## Statement referred to in part (a) to (d) of Lok Sabha Un-Starred Question No. 955 on 'Crop Loans to Farmers by NABARD ' due for answer on 10.02.2025

Number of accounts provided with crop loans in Ahmednagar district

(No. in Lakhs)

|   SN | District   |   FY 2021-22 No. of Accounts |   FY 2022-23 No. of Accounts |   FY 2023-24 No. of Accounts |   FY 2024-25 No. of Accounts |
|------|------------|------------------------------|------------------------------|------------------------------|------------------------------|
|    1 | Ahmednagar |                         1.89 |                         1.44 |                         1.28 |                         1.07 |