Lok Sabha Question No. 219 (STARRED), answered on 2025-12-15
Subject: Loan Moratorium Provided by Commercial Banks
Ministry: FINANCE
Asked by: Shri Benny Behanan

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

## LOK SABHA STARRED QUESTION NO. *219

ANSWERED ON MONDAY, DECEMBER 15, 2025/ AGRAHAYANA 24, 1947 (SAKA)

## Loan Moratorium Provided by Commercial Banks

## *219. SHRI BENNY BEHANAN:

Will the Minister of FINANCE be pleased to state:

(a) the details of loan waivers, loan write off and loan moratoriums provided by Scheduled Commercial  Banks  to  agricultural  borrowers  affected  by  floods,  landslides  and  heavy rainfall since 2020, State/year-wise;

(b) the details of amount/fund spent on waivers, write offs and moratorium related relief since 2020, State/bank/year-wise; and

(c)  whether  the  Government  has  assessed  the  adequacy  and  timelines  of  these  relief measures  for  rural  borrowers  affected  by  climate  related  disasters  and  if  so,  the  details thereof?

## ANSWER

THE FINANCE MINISTER

(SMT. NIRMALA SITHARAMAN)

(a) to (c): A Statement is laid on the Table of the House.

*****

## STATEMENT REFERRED TO IN REPLY TO PARTS (a) to (c) OF LOK SABHA STARRED QUESTION NO.*219 ANSWERED ON 15 th DECEMBER,2025, REGARDING 'LOAN MORATORIUM PROVIDED BY COMMERCIAL BANKS'

(a) to (c)  The Government has taken various measures to provide relief to the agricultural borrowers affected by floods, landslides and heavy rainfall.  In this regard, Reserve Bank of India (RBI) has issued Master Directions on 17 October 2018 on relief measures by banks in areas affected by natural calamities which inter-alia provides the following:

- Cyclone,  drought,  earthquake,  fire,  flood,  tsunami,  hailstorm,  landslide,  avalanche, cloudburst, pest attack, and cold wave/frost have been recognized as natural calamities.
- In the event of natural calamities declared by the State/Central Government, all shortterm  loans,  except  those  which  are  overdue  at  the  time  of  occurrence  of  natural calamity, shall be eligible for restructuring.
- Fresh loans can also be sanctioned by banks to affected borrowers.
- Agricultural  term  loan  instalments  shall  also  be  rescheduled  keeping  in  view  the repaying capacity of the borrower and the nature of natural calamity.
- The restructured portion of the short term as well as long-term loans may be treated as current dues and need not be classified as Non-Performing Assets (NPA).

As  reported  by  RBI,  state-wise  data  on  relief  measures  i.e.,  (i)  restructured/rescheduled advances  and  (ii)  fresh  finance/relending  extended  by  Scheduled  Commercial  Banks  on account of natural calamities, during the period from January 2020 to June 2025, is given at Annexure-I and Annexure-II respectively.

The  year-wise  loans  written-off  in  Agriculture  and  Allied  Activities  sector  by  Scheduled Commercial Banks (excluding RRBs and Payment Banks) are as under:

## (Amount in Rs Crore)

| Financial Year   | 2020-21   | 2021-22   | 2022-23   | 2023-24   | 2024-25   | 2025-26*   |
|------------------|-----------|-----------|-----------|-----------|-----------|------------|
| Amount           | 14,483    | 15,222    | 23,852    | 24,426    | 21,882    | 14,122     |

Source: RBI

*: Provisional data for FY 2025-26 as on 30.09.2025

The  Government  in  coordination  with  various  stakeholders  viz.,  State  Level  Bankers' Committee (SLBC), RBI, National Bank for Agriculture and Rural Development (NABARD), Banks, State/Central  Government  departments  etc.  makes  efforts  to  extend  adequate  relief measures to the affected borrowers within best possible timelines.

*****

Annexure-I

Statement referred to in parts (a) to (c) of Lok Sabha Starred Question No. *219 on 'Loan Moratorium Provided by Commercial Banks' due for answer on  15.12.2025

## Data on Relief measures (Restructured/Rescheduled) extended by banks on account of natural calamities

(Number of Accounts in Actuals and Amount in Rs crore)

| Sl. No.   | Name of the State   | 2020        | 2020    | 2021        | 2021   | 2022        | 2022   | 2023        | 2023     | 2024        | 2024     | 2025*       | 2025*   |
|-----------|---------------------|-------------|---------|-------------|--------|-------------|--------|-------------|----------|-------------|----------|-------------|---------|
| Sl. No.   | Name of the State   | No. of A/cs | Amt.    | No. of A/cs | Amt.   | No. of A/cs | Amt.   | No. of A/cs | Amt.     | No. of A/cs | Amt.     | No. of A/cs | Amt.    |
| 1         | Andhra Pradesh      | 48          | 2.72    | -           | -      | -           | -      | -           | -        | 11,764      | 811.86   | -           | -       |
| 2         | Assam               | -           | -       | -           | -      | 2,88,370    | 851.3  | -           | -        | -           | -        | -           | -       |
| 3         | Himachal Pradesh    | -           | -       | -           | -      | -           | -      | 7,388       | 975.03   | -           | -        | -           | -       |
| 4         | Jammu& Kashmir      | 1,11,597    | 622.51  | -           | -      | -           | -      | -           | -        | -           | -        | -           | -       |
| 5         | Jharkhand           | -           | -       | -           | -      | 751         | 11.03  | -           | -        | -           | -        | -           | -       |
| 6         | Karnataka           | 11,393      | 436.61  | 17,433      | 1357.4 | -           | -      | 15,675      | 254.9    | 21,605      | 448.95   | -           | -       |
| 7         | Kerala              | -           | -       | -           | -      | 23,000      | 233.5  | -           | -        | 27          | 1.12     | 16          | 0.7     |
| 8         | Maharashtra         | 1,34,657    | 1875.02 | 23,000      | 791.22 | 4,123       | 204.96 | 1,359       | 21.88    | -           | -        | -           | -       |
| 9         | Manipur             | -           | -       | -           | -      | -           | -      | 34,879      | 1,189.97 | 35,888      | 1,247.10 | 18,294      | 219.3   |
| 10        | Sikkim              | -           | -       | -           | -      | -           | -      | 34          | 7.99     | 35          | 16.87    | -           | -       |
| 11        | Tamil Nadu          | -           | -       | -           | -      | -           | -      | -           | -        | 5,214       | 468.14   | 8           | 191.81  |
| 12        | West Bengal         | -           | -       | 13          | 0.10   | -           | -      | -           | -        | -           | -        | -           | -       |

Source: Report submitted by State Level Bankers Committees(SLBC) through Regional Offices of RBI for SCBs, including RRBs.

*: Data for 2025 is till June 2025.

Statement referred to in parts (a) to (c) of Lok Sabha Starred Question No. *219 on 'Loan Moratorium Provided by Commercial Banks' due for answer on  15.12.2025

## Data on Relief measures (Fresh finance/Relending provided) extended by banks on account of natural calamities

(Number of Accounts in Actuals and Amount in Rs crore)

| Sl. No.   | Name of the State   | 2020        | 2020     | 2021        | 2021     | 2022        | 2022   | 2023        | 2023   | 2024        | 2024     | 2025*       | 2025*   |
|-----------|---------------------|-------------|----------|-------------|----------|-------------|--------|-------------|--------|-------------|----------|-------------|---------|
| Sl. No.   | Name of the State   | No. of A/cs | Amt.     | No. of A/cs | Amt.     | No. of A/cs | Amt.   | No. of A/cs | Amt.   | No. of A/cs | Amt.     | No. of A/cs | Amt.    |
| 1         | Andhra Pradesh      | -           | -        | -           | -        | -           | -      | -           | -      | 11,834      | 65.66    | -           | -       |
| 2         | Assam               | -           | -        | -           | -        | 3,011       | 26.6   | -           | -      | -           | -        | -           | -       |
| 3         | Himachal Pradesh    | -           | -        | -           | -        | -           | -      | 317         | 3.59   | -           | -        | -           | -       |
| 4         | Jammu& Kashmir      | 85,060      | 418      | -           | -        | -           | -      | -           | -      | -           | -        | -           | -       |
| 5         | Jharkhand           | -           | -        | -           | -        | 20,312      | 227.90 | -           | -      | -           | -        | -           | -       |
| 6         | Karnataka           | 1,55,493    | 4174.7   | 66,588      | 5,675.91 | -           | -      | 1           | 0.12   | 7,126       | 344.43   | -           | -       |
| 7         | Kerala              | -           | -        | -           | -        | -           | -      | -           | -      | 8           | 0.14     | 94          | 0.81    |
| 8         | Maharashtra         | 10,15,619   | 8,537.46 | 4,310       | 232.99   | 1,861       | 57.92  | -           | -      | -           | -        | -           | -       |
| 9         | Manipur             | -           | -        | -           | -        | -           | -      | 866         | 20.9   | 865         | 20.94    | 962         | 25.02   |
| 10        | Rajasthan           | -           | -        | 119.5       | 48       | -           | -      | -           | -      | -           | -        | -           | -       |
| 11        | Sikkim              | -           | -        | -           | -        | -           | -      | 5           | 0.49   | 1           | 0.1      | -           | -       |
| 12        | Tamil Nadu          | -           | -        | -           | -        | -           | -      | -           | -      | 12,939      | 402.46   | 11          | 31.08   |
| 13        | Tripura             | -           | -        | -           | -        | -           | -      | -           | -      | 28,490      | 1,529.12 | -           | -       |

Source: Report submitted by State Level Bankers Committees(SLBC) through Regional Offices of RBI for SCBs, including RRBs.

*: Data for 2025 is till June 2025.