Lok Sabha Question No. 12 (UNSTARRED), answered on 2025-07-21
Subject: Waiver off Outstanding Agricultural Loans
Ministry: FINANCE
Asked by: Dr. Amol Ramsing Kolhe, Shri Mohite Patil Dhairyasheel Rajsinh, Shri Hanuman Beniwal, Smt. Supriya Sule, Shri Sanjay Dina Patil, Prof. Varsha Eknath Gaikwad, Shri Bajrang Manohar Sonwane, Shri Nilesh Dnyandev Lanke, Shri Bhaskar Murlidhar Bhagare

## Government of India Ministry of Finance

## Department of Financial Services

## LOK SABHA

## Unstarred Question No. 12

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

## Waiver off Outstanding Agricultural Loans

12. Shri Bhaskar Murlidhar Bhagare:

Shri Nilesh Dnyandev Lanke:

Shri Sanjay Dina Patil:

Prof. Varsha Eknath Gaikwad:

Shri Mohite Patil Dhairyasheel Rajsinh:

Dr. Amol Ramsing Kolhe:

Smt. Supriya Sule:

Shri Bajrang Manohar Sonwane:

Shri Hanuman Beniwal:

Will the Minister of FINANCE be pleased to state:

- (a)  the  total  outstanding  agricultural  loans  of  farmers  across  the  country,  State-wise, particularly in Maharashtra and Rajasthan;
- (b)  whether  any  specific  categories  of  farmers  marginal,  small,  tenant,  SC/ST  are  more burdened with outstanding loans and if so, the details thereof;
- (c) whether there is any correlation found between outstanding agricultural loans and incidence of farmer suicides in States like Maharashtra and if so, the data available with the Government on such cases during the last five years;
- (d) whether the Government proposes to formulate any nationwide scheme for waiver of all outstanding agricultural loans to strengthen the economic condition of farmers and if so, the details thereof and if not, the reasons therefor; and
- (e) whether the Government has planned any structural reforms in agricultural credit policy to reduce dependency on loan waivers and if so, the details thereof?

## Answer

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

- (a) As informed by NABARD, the amount of total outstanding agricultural loans, State/UT wise is given at Annexure I.

(b) NABARD All India Rural Financial Inclusion Survey (NAFIS) for the period of 2021-2022 indicates a generally positive relationship between landholding size and household indebtedness, with the proportion of indebted households increasing as land size increases, up to  1  hectare.  Beyond  this  threshold,  a  marginal  decline  in  the  incidence  of  indebtedness  is observed among households with larger landholdings.

(c)  As  reported  by  Department  of  Agriculture  and  Farmers  Welfare,  the  National  Crime Records  Bureau  (NCRB)  under  the  Ministry  of  Home  Affairs  compiles  and  disseminates information  on  suicides  in  its  publication  titled  'Accidental  Deaths  and  Suicides  in  India' (ADSI).  The report till 2022 is available on NCRB website (https://ncrb.gov.in). In the ADSI reports, separate reasons for farmer suicide have not been given.

(d) to (e) No proposal to waive off the outstanding agricultural loans, is under consideration with Union Government. However, Union Government has taken several measures to provide reliefs and to improve the economic conditions of the farmers which inter-alia includes timely and adequate credit through Kisan Credit Card (KCC) under which  crop loan  up to ₹3 lakh is provided at subsidized interest rates under the Modified Interest Subvention Scheme (MISS) with additional incentives for timely repayment, fixation of progressively increased agricultural  credit  target,  issuance  of  revised  Priority  Sector  Lending  guidelines  to  ensure improved credit flow to the agricultural sector etc.

******

## Annexure I

## Statement referred to in part (a) of Lok Sabha Un-Starred Question No. 12 on 'Waiver off Outstanding Agricultural Loans' due for answer on 21.07.2025

| S.No.   | State/UT                   | Total Loan Outstanding as on 31.03.2025   | Total Loan Outstanding as on 31.03.2025   |
|---------|----------------------------|-------------------------------------------|-------------------------------------------|
| S.No.   | State/UT                   | No. of A/cs (in lakhs)                    | Amt. ( in ₹ crore)                        |
| 1       | Andaman And Nicobar Island | 0.14                                      | 278.88                                    |
| 2       | Andhra Pradesh             | 142.60                                    | 3,08,716.83                               |
| 3       | Arunachal Pradesh          | 0.34                                      | 491.44                                    |
| 4       | Assam                      | 16.84                                     | 20,803.77                                 |
| 5       | Bihar                      | 121.18                                    | 95,578.07                                 |
| 6       | Chandigarh UT              | 0.10                                      | 2,536.30                                  |
| 7       | Chhattisgarh               | 21.21                                     | 29,290.78                                 |
| 8       | Dadar And Nagar Haveli UT  | 0.04                                      | 171.33                                    |
| 9       | Daman And Diu UT           | 0.03                                      | 108.43                                    |
| 10      | Delhi                      | 2.87                                      | 26,749.61                                 |
| 11      | Goa                        | 0.84                                      | 2,016.40                                  |
| 12      | Gujarat                    | 55.76                                     | 1,44,330.45                               |
| 13      | Haryana                    | 38.52                                     | 99,026.93                                 |
| 14      | Himachal Pradesh           | 7.03                                      | 14,293.23                                 |
| 15      | Jammu And Kashmir          | 11.14                                     | 11,716.59                                 |
| 16      | Jharkhand                  | 31.31                                     | 20,421.63                                 |
| 17      | Karnataka                  | 144.20                                    | 2,22,301.82                               |
| 18      | Kerala                     | 88.10                                     | 1,52,198.71                               |
| 19      | Ladakh                     | 0.29                                      | 349.78                                    |
| 20      | Lakshadweep UT             | 0.04                                      | 33.61                                     |
| 21      | Madhya Pradesh             | 93.75                                     | 1,62,385.12                               |
| 22      | Maharashtra                | 144.60                                    | 2,60,799.90                               |
| 23      | Manipur                    | 0.72                                      | 1,255.76                                  |
| 24      | Meghalaya                  | 1.39                                      | 1,053.75                                  |
| 25      | Mizoram                    | 0.72                                      | 1,439.38                                  |
| 26      | Nagaland                   | 0.65                                      | 750.32                                    |
| 27      | Odisha                     | 95.06                                     | 79,329.98                                 |
| 28      | Puducherry                 | 4.27                                      | 18,535.99                                 |
| 29      | Punjab                     | 37.62                                     | 1,04,353.28                               |
| 30      | Rajasthan                  | 106.36                                    | 1,87,322.27                               |
| 31      | Sikkim                     | 0.26                                      | 385.19                                    |
| 32      | Tamil Nadu                 | 252.45                                    | 4,03,367.45                               |
| 33      | Telangana                  | 74.69                                     | 1,44,346.41                               |
| 34      | Tripura                    | 4.44                                      | 4,267.09                                  |
| 35      | Uttar Pradesh              | 179.17                                    | 2,28,560.29                               |
| 36      | Uttarakhand                | 8.95                                      | 15,178.97                                 |
| 37      | West Bengal                | 75.27                                     | 86,033.70                                 |
|         | Grand Total                | 1762.96                                   | 28,50,779.43                              |