Lok Sabha Question No. 65 (UNSTARRED), answered on 2023-12-04
Subject: Risk of Natural Disaster
Ministry: FINANCE
Asked by: Pushpendra Singh Chandel

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

## LOK SABHA UNSTARRED QUESTION NO. † 65

Answered on the December 4, 2023/ Agrahayana 13, 1945 (Saka)

## Risk of Natural Disaster

## † 65.   SHRI KUNWAR PUSHPENDRA SINGH CHANDEL:

Will the Minister of FINANCE be pleased to state:

- (a) Whether the Government has taken the initiative to review the risks of natural disasters associated with loans provided by the banks;
- (b) if so, the details thereof; and

(c) the details of the financial loss incurred due to disasters during the last five years and the effect thereof on repayment of loan State-wise?

## ANSWER

## THE MINISTER OF STATE FOR FINANCE (DR. BHAGWAT KARAD)

(a) to (c): As per Reserve Bank of India's (RBI's) Master Direction - Relief Measures by banks in areas affected by Natural Calamities 2018 - to Scheduled Commercial Banks, in the event of natural calamities declared by the State/Central Government, all short-term production credit (crop loans), except  those  which  are  overdue  at  the  time  of  occurrence  of  natural  calamity,  are  eligible  for restructuring.  Agricultural  term  loan  instalments  can  also  be  rescheduled  keeping  in  view  the repaying capacity of the borrower and the nature of natural calamity. Also, depending on the severity of a natural calamity, State Level Bankers' Committee decides on general rescheduling of all other loans ( e.g. loans granted for allied activities, loans to rural artisans, traders, micro/small industrial units  or  in  case  of  extreme  situations,  medium  enterprises).  Further,  fresh  loans  can  also  be sanctioned by banks to affected borrowers.

Disaster Management Division (DMD), Ministry of Home Affairs (MHA), has informed that the primary responsibility for disaster management rests with the concerned state governments, who undertake relief measures in the wake of natural disaster from the State Disaster Response Fund (SDRF), already placed at their disposal, in accordance with the Government of India approved items and  norms.  Additional  financial  assistance  is  provided  from  National  Disaster  Response  Fund (NDRF), as per the laid down procedure in case of disaster of 'severe nature'. DMD has further informed that although MHA does not maintain the centralized data regarding financial loss incurred due to disaster, as per information received from the state governments, the state-wise details of demands received by MHA for additional relief from NDRF, and funds approved and released by the Central Government from NDRF during the last 5 years are annexed.

*****

## Lok Sabha Unstarred Question no. 65 for 4.12.2023 regarding 'Risk of Natural Disaster' Statement showing state-wise details of assistance sought and fund released from NDRF during the last five years i.e. 2018-19 to 2022-23

(amount in ₹ crore)

| S.No.   | State             | Relief/Amount Sought by State Government   | Amount approved by High Level Committee (HLC)   | Funds Released from NDRF   |
|---------|-------------------|--------------------------------------------|-------------------------------------------------|----------------------------|
| 2018-19 | 2018-19           | 2018-19                                    | 2018-19                                         | 2018-19                    |
| 1.      | Andhra Pradesh    | 2,274.96                                   | 622.17                                          | 622.17                     |
| 2.      | Assam             | 2,509.07                                   | 138.38                                          | 00.00 *                    |
| 3.      | Himachal Pradesh  | 1,601.03                                   | 317.44                                          | 312.76                     |
| 4.      | Karnataka         | 575.15                                     | 546.21                                          | 525.22                     |
| 5.      | Kerala            | 5,596.77                                   | 3,048.39                                        | 2,904.85                   |
| 6.      | Manipur           | 165.94                                     | 42.46                                           | 00.00 *                    |
| 7.      | Nagaland          | 417.93                                     | 131.16                                          | 130.73                     |
| 8.      | Odisha            | 2,751.72                                   | 1,023.59                                        | 341.72                     |
| 9.      | Tamil Nadu        | 2,715.29                                   | 1,146.12                                        | 900.31                     |
| 10.     | Tripura           | 805.92                                     | 268.63                                          | 171.74                     |
| 11.     | Uttar Pradesh     | 570.45                                     | 191.73                                          | 00.00 *                    |
| 2019-20 | 2019-20           | 2019-20                                    | 2019-20                                         | 2019-20                    |
| 1.      | Assam             | 3,237.76                                   | 616.63                                          | 00.00 *                    |
| 2.      | Bihar             | 4,183.32                                   | 953.17                                          | 953.17                     |
| 3.      | Himachal Pradesh  | 1,515.35                                   | 349.42                                          | 348.46                     |
| 4.      | Karnataka         | 3,894.57                                   | 1,869.85                                        | 1,652.54                   |
| 5.      | Kerala            | 2,072.62                                   | 460.77                                          | 00.00 *                    |
| 6.      | Madhya Pradesh    | 6,619.00                                   | 1,749.73                                        | 1,712.14                   |
| 7.      | Meghalaya         | 131.61                                     | 18.87                                           | 16.52                      |
| 8.      | Maharashtra       | 9,318.37                                   | 2,715.11                                        | 2,715.11                   |
| 9.      | Nagaland          | 311.88                                     | 177.37                                          | 176.94                     |
| 10.     | Rajasthan         | 2,645.86                                   | 889.21                                          | 622.97                     |
| 11.     | Tripura           | 444.77                                     | 63.32                                           | 12.93                      |
| 12.     | Uttar Pradesh     | 808.41                                     | 367.17                                          | 00.00 *                    |
| 13.     | Odisha            | 5,446.63                                   | 3,517.86                                        | 2,505.23                   |
| 14.     | West Bengal       | 7,477.00                                   | 1,090.68                                        | 958.33                     |
| 2020-21 | 2020-21           | 2020-21                                    | 2020-21                                         | 2020-21                    |
| 1.      | Andhra Pradesh    | 2,260.45                                   | 704.36                                          | 657.07                     |
| 2.      | Arunachal Pradesh | 792.71                                     | 75.86                                           | 59.34                      |
| 3.      | Assam             | 2,640.87                                   | 437.15                                          | 44.37                      |
| 4.      | Bihar             | 3,635.61                                   | 1,255.27                                        | 1,255.27                   |
| 5.      | Himachal Pradesh  | 804.40                                     | 121.17                                          | 2.90                       |
| 6.      | Karnataka         | 2,254.23                                   | 1,318.30                                        | 1,318.30                   |
| 7.      | Madhya Pradesh    | 1,779.47                                   | 611.61                                          | 611.61                     |
| 8.      | Maharashtra       | 4,438.98                                   | 1,121.12                                        | 1,121.12                   |
| 9.      | Odisha            | 917.56                                     | 449.17                                          | 00.00 *                    |
| 10.     | Sikkim            | 366.68                                     | 87.84                                           | 73.86                      |
| 11.     | Tamil Nadu        | 1,972.63                                   | 500.42                                          | 500.42                     |

| S.No.   | State            | Relief/Amount Sought by State Government   | Amount approved by High Level Committee (HLC)                                                                                                                                                                             | Funds Released from NDRF   |
|---------|------------------|--------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------|
| 12.     | Telangana        | 698.87                                     | 245.96                                                                                                                                                                                                                    | 00.00 *                    |
| 13.     | Uttar Pradesh    | 802.24                                     | 386.06                                                                                                                                                                                                                    | 00.00 *                    |
| 14.     | West Bengal      | 35,018.39                                  | 2,707.77                                                                                                                                                                                                                  | 2,250.28                   |
| 2021-22 | 2021-22          | 2021-22                                    | 2021-22                                                                                                                                                                                                                   | 2021-22                    |
| 1.      | Andhra Pradesh   | 1,081.70                                   | 351.43                                                                                                                                                                                                                    | 351.43                     |
| 2.      | Bihar            | 4,913.54                                   | 1,038.96                                                                                                                                                                                                                  | 1,038.96                   |
| 3.      | Himachal Pradesh | 692.23                                     | 112.19                                                                                                                                                                                                                    | 0.00 *                     |
| 4.      | Karnataka        | 1,281.89                                   | 492.39                                                                                                                                                                                                                    | 492.39                     |
| 5.      | Maharashtra      | 1,031.60                                   | 355.39                                                                                                                                                                                                                    | 355.39                     |
| 6.      | Rajasthan        | 757.00                                     | 292.51                                                                                                                                                                                                                    | 13.46                      |
| 7.      | Sikkim           | 126.18                                     | 59.35                                                                                                                                                                                                                     | 55.23                      |
| 8.      | Tamil Nadu       | 1,510.83                                   | 352.85                                                                                                                                                                                                                    | 352.85                     |
| 9.      | West Bengal      | 2,630.52                                   | 475.04                                                                                                                                                                                                                    | 50.13 #                    |
| 2022-23 | 2022-23          | 2022-23                                    | 2022-23                                                                                                                                                                                                                   | 2022-23                    |
| 1.      | Assam            | 1,309.50                                   | 520.47                                                                                                                                                                                                                    | 160.94                     |
| 2.      | Andhra Pradesh   | 219.22                                     | State Governments were advised to meet the relief expenditure on account of damages caused during the flood 2022 from their SDRF, in which sufficient funds are available since the first charge of relief expenditure is |                            |
| 3.      | Gujarat          | 152.72                                     | State Governments were advised to meet the relief expenditure on account of damages caused during the flood 2022 from their SDRF, in which sufficient funds are available since the first charge of relief expenditure is |                            |
| 4.      | Maharashtra      | 3,902.62                                   | always on SDRF.                                                                                                                                                                                                           | of                         |
| 5.      | Himachal Pradesh | 2,516.82                                   | 239.31                                                                                                                                                                                                                    | 214.26                     |
| 6.      | Karnataka        | 1,944.47                                   | 941.04                                                                                                                                                                                                                    | 939.83                     |
| 7.      | Sikkim           | 267.79                                     | 47.43                                                                                                                                                                                                                     | 46.89                      |

Source: Disaster Management Division, Ministry of Home Affairs