Lok Sabha Question No. 14 (STARRED), answered on 2025-07-21
Subject: Credit Access for SC Beneficiaries in Uttar Pradesh
Ministry: FINANCE
Asked by: Shri Pushpendra Saroj

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

## LOK SABHA STARRED QUESTION NO. *14

## ANSWERED ON MONDAY, JULY 21, 2025/ 30 ASHADHA, 1947 (SAKA)

## CREDIT ACCESS FOR SC BENEFICIARIES IN UTTAR PRADESH

## *14.    SHRI PUSHPENDRA SAROJ:

Will the Minister of FINANCE be pleased to state:

- (a) the number of Scheduled Caste individuals in Uttar Pradesh who have availed loans under MUDRA, PMEGP and Stand-Up India schemes since 2021;
- (b) the district-wise share of SC beneficiaries in formal credit access in Uttar Pradesh;
- (c) the number of SC loan applications rejected or returned by banks during the last three years in Uttar Pradesh along with the reasons for rejection; and
- (d) whether the Government has issued any directives to public and private banks for minimum SC loan disbursal quotas in districts with large SC population, if so, the details thereof along with the action taken against the banks that fail to meet the said quota?

## ANSWER THE FINANCE MINISTER

(Smt. Nirmala Sitharaman)

- (a) to (d): A statement is laid on the Table of the House

## 14 th  POSITION

## STATEMENT REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO.*14 (14 TH   POSITION)  FOR  ANSWER  ON  21.07.2025  BY  SHRI  PUSHPENDRA  SAROJ  ON CREDIT ACCESS FOR SC BENEFICIARIES IN UTTAR PRADESH

- a):  The  borrowers  belonging  to  Scheduled  Castes  (SC)  in  Uttar  Pradesh  who  have  availed  loans (accounts  disbursed)  under  Pradhan  Mantri  Mudra  Yojana  (PMMY),  Prime  Minister's  Employment Generation Programme (PMEGP) and the Stand-Up India Scheme since 2021 are as under:

| PMMY      | PMEGP   | Stand Up India   |
|-----------|---------|------------------|
| 69,93,069 | 5,653   | 1,793            |

(b):  The district-wise share of SC beneficiaries in formal credit access in Uttar Pradesh is placed at Annexure-I.

(c) to (d):  The information regarding no. of rejected loan applications, is not being maintained centrally. However, the major reasons for rejection of loan applications are:

- Non-viability of the project;
- Inconsistencies found in pre-sanction stage e.g. Non-compliance of KYC norms, borrower not found at the mentioned address etc.;
- Unsatisfactory credit history of the borrower e.g., poor CIBIL score, NPA account etc.;
- Non-availability of necessary registration/ approvals, wherever required, related to the project etc.;

As per RBI Master directions of Priority Sector Lending (PSL), an overall target of 40% of Adjusted Net Bank Credit (ANBC)/ Credit Equivalent of Off Balance Sheet exposures (CEOBE) whichever is higher has been prescribed for priority sector lending.  Within this overall target of 40%, a sub target of 12% has been mandated for lending to weaker sections, which, inter- alia includes Schedule Castes (SCs), Schedule Tribes (STs) and Minority Communities.

If these targets are not met, the shortfall is addressed through contributions to designated funds such as Rural Infrastructure Development Fund (RIDF) and others funds with NABARD/NHB/SIDBI/Mudra Ltd, as decided by RBI from time to time.  These funds are primarily intended to support sectors critical for the country's economic growth and social development.

*****

| Annexure I for Part (b) of Lok Sabha Starred Question No. 14 for answer on 21.07.2025   | Annexure I for Part (b) of Lok Sabha Starred Question No. 14 for answer on 21.07.2025   | Annexure I for Part (b) of Lok Sabha Starred Question No. 14 for answer on 21.07.2025   |
|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|
| Sr No                                                                                   | Name of District                                                                        | %share of SC Category (No. of loan Accounts)                                            |
| 1                                                                                       | Agra                                                                                    | 15.42%                                                                                  |
| 2                                                                                       | Aligarh                                                                                 | 6.97%                                                                                   |
| 3                                                                                       | Ambedkar Nagar                                                                          | 7.14%                                                                                   |
| 4                                                                                       | Amethi                                                                                  | 18.97%                                                                                  |
| 5                                                                                       | Amroha                                                                                  | 2.32%                                                                                   |
| 6                                                                                       | Auraiya                                                                                 | 4.79%                                                                                   |
| 7                                                                                       | Ayodhya                                                                                 | 4.47%                                                                                   |
| 8                                                                                       | Azamgarh                                                                                | 12.41%                                                                                  |
| 9                                                                                       | Baghpat                                                                                 | 3.74%                                                                                   |
| 10                                                                                      | Bahraich                                                                                | 4.43%                                                                                   |
| 11                                                                                      | Ballia                                                                                  | 4.30%                                                                                   |
| 12                                                                                      | Balrampur                                                                               | 2.01%                                                                                   |
| 13                                                                                      | Banda                                                                                   | 7.39%                                                                                   |
| 14                                                                                      | Barabanki                                                                               | 8.72%                                                                                   |
| 15                                                                                      | Bareilly                                                                                | 16.54%                                                                                  |
| 16                                                                                      | Basti                                                                                   | 5.99%                                                                                   |
| 17                                                                                      | Bhadohi                                                                                 | 10.49%                                                                                  |
| 18                                                                                      | Bijnor                                                                                  | 10.38%                                                                                  |
| 19                                                                                      | Budaun                                                                                  | 2.97%                                                                                   |
| 20                                                                                      | Bulandshahr                                                                             | 7.32%                                                                                   |
| 21                                                                                      | Chandauli                                                                               | 9.82%                                                                                   |
| 22                                                                                      | Chitrakoot                                                                              | 13.57%                                                                                  |
| 23                                                                                      | Deoria                                                                                  | 5.96%                                                                                   |
| 24                                                                                      | Etah                                                                                    | 5.32%                                                                                   |
| 25                                                                                      | Etawah                                                                                  | 12.56%                                                                                  |
| 26                                                                                      | Farrukhabad                                                                             | 4.63%                                                                                   |
| 27                                                                                      | Fatehpur                                                                                | 5.02%                                                                                   |
| 28                                                                                      | Firozabad                                                                               | 9.55%                                                                                   |
| 29                                                                                      | Gautam Buddha Nagar                                                                     | 2.62%                                                                                   |
| 30                                                                                      | Ghaziabad                                                                               | 1.85%                                                                                   |
| 31                                                                                      | Ghazipur                                                                                | 11.98%                                                                                  |
| 32                                                                                      | Gonda                                                                                   | 2.12%                                                                                   |
| 33                                                                                      | Gorakhpur                                                                               | 12.11%                                                                                  |
| 34                                                                                      | Hamirpur                                                                                | 9.11%                                                                                   |
| 35                                                                                      | Hapur                                                                                   | 7.56%                                                                                   |
| 36                                                                                      | Hardoi                                                                                  | 8.99%                                                                                   |
| 37                                                                                      | Hathras                                                                                 | 10.34%                                                                                  |
| 38                                                                                      | Jalaun                                                                                  | 10.77%                                                                                  |
| 39                                                                                      | Jaunpur                                                                                 | 10.16%                                                                                  |
| 40                                                                                      | Jhansi                                                                                  | 7.25%                                                                                   |
| 41                                                                                      | Kannauj                                                                                 | 5.27%                                                                                   |
| 42                                                                                      | Kanpur Dehat                                                                            | 6.06%                                                                                   |
| 43                                                                                      | Kanpur Nagar                                                                            | 5.99%                                                                                   |
| 44                                                                                      | Kasganj                                                                                 | 6.03%                                                                                   |
| 45                                                                                      | Kaushambi                                                                               | 10.36%                                                                                  |
| 46                                                                                      | Kushi Nagar                                                                             | 4.41% 10.41%                                                                            |
| 47                                                                                      | Lakhimpur Kheri                                                                         |                                                                                         |

|   48 | Lalitpur          | 6.27%   |
|------|-------------------|---------|
|   49 | Lucknow           | 12.42%  |
|   50 | Maharajganj       | 5.03%   |
|   51 | Mahoba            | 12.03%  |
|   52 | Mainpuri          | 4.41%   |
|   53 | Mathura           | 5.03%   |
|   54 | Mau               | 6.55%   |
|   55 | Meerut            | 6.64%   |
|   56 | Mirzapur          | 13.79%  |
|   57 | Moradabad         | 33.46%  |
|   58 | Muzaffarnagar     | 4.29%   |
|   59 | Pilibhit          | 3.98%   |
|   60 | Pratapgarh        | 6.50%   |
|   61 | Prayagraj         | 7.67%   |
|   62 | Rae Bareli        | 5.79%   |
|   63 | Rampur            | 3.12%   |
|   64 | Saharanpur        | 10.28%  |
|   65 | Sambhal           | 2.37%   |
|   66 | Sant Kabeer Nagar | 19.94%  |
|   67 | Shahjahanpur      | 5.83%   |
|   68 | Shamli            | 3.05%   |
|   69 | Shravasti         | 6.99%   |
|   70 | Siddharth Nagar   | 3.67%   |
|   71 | Sitapur           | 16.31%  |
|   72 | Sonbhadra         | 13.94%  |
|   73 | Sultanpur         | 5.73%   |
|   74 | Unnao             | 8.08%   |
|   75 | Varanasi          | 27.65%  |