Lok Sabha Question No. 1043 (UNSTARRED), answered on 2025-02-10
Subject: Roadmap to provide Banking Facilities in Villages
Ministry: FINANCE
Asked by: Ms Iqra Choudhary

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION No. 1043

ANSWERED ON MONDAY, FEBRUARY 10, 2025/Magha 21, 1946 (Saka)

'Roadmap to provide Banking Facilities in Villages'

## 1043. MS IQRA CHOUDHARY:

- Will the Minister of FINANCE be pleased to state: (a) whether the targets for providing banking facilities to the villages of the country has been achieved and if so, the details thereof, State/UT-wise; (b) whether there is any specific schemes for setting up banks in sparsely populated areas; (c) the number of nationalised banks in Uttar Pradesh, district-wise; and
- (d) whether there is a proposal to set up nationalised banks in Kairana Parliamentary constituency of Uttar Pradesh, specifically in the villages of Khurgan and Kiwana and if so, the action taken by the Government thereon?

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

(a) & (b) The endeavor of the Government is to ensure availability of banking outlet (Bank branch/Business  Correspondent/  India  Post  Payments  Bank)  within  5  kilometres  of  all inhabited villages in the country. Availability of banking outlets is monitored by a Geographic Information System (GIS) based App., namely, Jan Dhan Darshak (JDD) App. Based on the data uploaded by Banks on the JDD App, 99.91% villages are covered with banking outlets (Bank branch/BC/IPPB) within a radius of 5 Km, as on 06.01.2025.

In terms of the revised guidelines issued by Reserve Bank of India (RBI) vide circular dated May 18, 2017 on 'Rationalization of Branch Authorization Policy' the term 'Branch' has been substituted by 'Banking Outlet (BO)' which includes both physical brick and mortar branches and Business Correspondent (BC) outlets, to enable banks in expanding their network even in remote rural areas in a cost-effective manner for hassle free services to customers.

Further,  RBI  has  granted  general  permission  to  domestic  Scheduled  Commercial  Banks (excluding Regional Rural Banks) to open banking outlets including branch at any place in the country, without seeking prior approval of RBI in each case, subject to at least 25 percent of the total number of banking outlets opened during a financial year being in unbanked rural centres i.e. centres having population less than 10,000 (Tier 5 and Tier 6 centres).

Banks,  inter-alia,  consider  proposals  for  opening  banking  outlets  in  the  light  of  RBI's instructions, their business plans and their commercial viability. To further assess the viability for opening a banking outlet, Banks carry out survey as required.

- (c)  As  per  JDD  app  the  number  of  Nationalised  Banks  in  Uttar  Pradesh  district-wise  is  at Annexure.
- (d) As apprised by SLBC UP, it is informed that there is a Canara Bank Branch in Lisarh village situated  within  2  Km  from  Village  Kiwana.  Also,  Prathama  UP  Gramin Bank and Ujjivan Small Finance Bank are providing banking services to the Kiwana village within the radius of 5 Km. Banking infrastructure of Shamli District of Uttar Pradesh (UP) under which Kairana Parliamentary constituency comes is as under:

| Banking Infrastructure of Shamli District as on 31.01.2025   | Banking Infrastructure of Shamli District as on 31.01.2025   | Banking Infrastructure of Shamli District as on 31.01.2025   | Banking Infrastructure of Shamli District as on 31.01.2025   | Banking Infrastructure of Shamli District as on 31.01.2025   |
|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|
| District                                                     | Branch                                                       | BC                                                           | ATM                                                          | IPPB                                                         |
| Shamli                                                       | 104                                                          | 1776                                                         | 54                                                           | 91                                                           |

Source: JDD App

*****

| Annexure as referred in reply to Lok Sabha Unstarred Question No. 1043 for answer on 10.02.2025   | Annexure as referred in reply to Lok Sabha Unstarred Question No. 1043 for answer on 10.02.2025   | Annexure as referred in reply to Lok Sabha Unstarred Question No. 1043 for answer on 10.02.2025   |
|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|
| S. No.                                                                                            | District                                                                                          | Number of Bank Branches                                                                           |
| 1                                                                                                 | Agra                                                                                              | 381                                                                                               |
| 2                                                                                                 | Aligarh                                                                                           | 190                                                                                               |
| 3                                                                                                 | Ambedkar Nagar                                                                                    | 104                                                                                               |
| 4                                                                                                 | Amethi                                                                                            | 103                                                                                               |
| 5                                                                                                 | Amroha                                                                                            | 73                                                                                                |
| 6                                                                                                 | Auraiya                                                                                           | 68                                                                                                |
| 7                                                                                                 | Ayodhya                                                                                           | 139                                                                                               |
| 8                                                                                                 | Azamgarh                                                                                          | 203                                                                                               |
| 9                                                                                                 | Baghpat                                                                                           | 107                                                                                               |
| 10                                                                                                | Bahraich                                                                                          | 87                                                                                                |
| 11                                                                                                | Ballia                                                                                            | 116                                                                                               |
| 12                                                                                                | Balrampur                                                                                         | 65                                                                                                |
| 13                                                                                                | Banda                                                                                             | 57                                                                                                |
| 14                                                                                                | Bara Banki                                                                                        | 131                                                                                               |
| 15                                                                                                | Bareilly                                                                                          | 253                                                                                               |
| 16                                                                                                | Basti                                                                                             | 90                                                                                                |
| 17                                                                                                | Bhadohi                                                                                           | 79                                                                                                |
| 18                                                                                                | Bijnor                                                                                            | 162                                                                                               |
| 19                                                                                                | Budaun                                                                                            | 104                                                                                               |
| 20                                                                                                | Bulandshahr                                                                                       | 179                                                                                               |
| 21                                                                                                | Chandauli                                                                                         | 97                                                                                                |
| 22                                                                                                | Chitrakoot                                                                                        | 32                                                                                                |
| 23                                                                                                | Deoria                                                                                            | 123                                                                                               |
| 24                                                                                                | Etah                                                                                              | 84                                                                                                |
| 25                                                                                                | Etawah                                                                                            | 75                                                                                                |
| 26                                                                                                | Farrukhabad                                                                                       | 58                                                                                                |
| 27                                                                                                | Fatehpur                                                                                          | 102                                                                                               |
| 28                                                                                                | Firozabad                                                                                         | 114                                                                                               |
| 29                                                                                                | Gautam Buddha Nagar                                                                               | 308                                                                                               |
| 30                                                                                                | Ghaziabad                                                                                         | 340                                                                                               |
| 31                                                                                                | Ghazipur                                                                                          | 167                                                                                               |
| 32                                                                                                | Gonda                                                                                             | 117                                                                                               |
| 33                                                                                                | Gorakhpur                                                                                         | 265                                                                                               |
| 34                                                                                                | Hamirpur                                                                                          | 54                                                                                                |
| 35                                                                                                | Hapur                                                                                             | 89                                                                                                |
| 36                                                                                                | Hardoi                                                                                            | 159                                                                                               |
| 37                                                                                                | Hathras                                                                                           | 77                                                                                                |
| 38                                                                                                | Jalaun                                                                                            | 69                                                                                                |
| 39                                                                                                | Jaunpur                                                                                           | 197                                                                                               |
| 40                                                                                                | Jhansi                                                                                            | 145                                                                                               |
| 41                                                                                                | Kannauj                                                                                           | 66                                                                                                |
| 42                                                                                                | Kanpur Dehat                                                                                      | 88                                                                                                |
| 43                                                                                                | Kanpur Nagar                                                                                      | 461                                                                                               |
| 44                                                                                                | Kasganj                                                                                           | 47                                                                                                |
| 45                                                                                                | Kaushambi                                                                                         | 82 165                                                                                            |
| 46                                                                                                | Kheri                                                                                             |                                                                                                   |

| 47    | Kushinagar       |   100 |
|-------|------------------|-------|
| 48    | Lalitpur         |    59 |
| 49    | Lucknow          |   706 |
| 50    | Mahoba           |    38 |
| 51    | Mahrajganj       |    89 |
| 52    | Mainpuri         |    64 |
| 53    | Mathura          |   219 |
| 54    | Mau              |    97 |
| 55    | Meerut           |   348 |
| 56    | Mirzapur         |   123 |
| 57    | Moradabad        |   130 |
| 58    | Muzaffarnagar    |   205 |
| 59    | Pilibhit         |   107 |
| 60    | Pratapgarh       |   122 |
| 61    | Prayagraj        |   332 |
| 62    | Rae Bareli       |   200 |
| 63    | Rampur           |   104 |
| 64    | Saharanpur       |   227 |
| 65    | Sambhal          |    52 |
| 66    | Sant Kabir Nagar |    56 |
| 67    | Shahjahanpur     |   154 |
| 68    | Shamli           |    63 |
| 69    | Shrawasti        |    33 |
| 70    | Siddharthnagar   |    72 |
| 71    | Sitapur          |   128 |
| 72    | Sonbhadra        |   101 |
| 73    | Sultanpur        |    99 |
| 74    | Unnao            |   128 |
| 75    | Varanasi         |   327 |
| Total | Total            | 10755 |

Source: JDD App