Lok Sabha Question No. 8 (UNSTARRED), answered on 2024-07-22
Subject: Amount Deposited and Loans Disbursed by PSBs
Ministry: FINANCE
Asked by: Shri Arun Kumar Sagar

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

## LOK SABHA UNSTARRED QUESTION NO. 8

Answered on the July 22, 2024/ 31 Ashadha, 1946 (Saka)

## Amount Deposited and Loans Disbursed by PSBs

## 8.   SHRI ARUN KUMAR SAGAR:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the branches of Public Sector Banks situated in backward and rural regions as on date, State- wise;
- (b) the branch-wise details of the amount deposited and loans disbursed during the last three years as on date, State- wise;
- (c) whether the bank's branches have achieved their stipulated targets for loan disbursals;
- (d) if so, the details thereof, especially that of backward and rural regions;
- (e) if not, the reasons therefor; and
- (f) the steps being taken/ proposed to be taken to achieve the target?

## ANSWER

## THE MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY)

(a) As per input received from the Reserve Bank of India (RBI), details of functioning bank branches of Public Sector Banks (PSBs) in Rural and Semi-urban centres as on 31.3.2024 are at Annex-1.

(b) RBI has informed that this information is not maintained by it. However, bank-wise details of the deposits and advances of PSBs for the last three financial years are at Annex-2.

(c) to (f): As per inputs received from PSBs, banks set their credit growth targets for the financial year based on various factors which include, inter alia , the macro-economic conditions, future prospects and the envisaged demand of credit, which are all dynamic in nature. While these targets are allocated to the branches as per the potential of the area where the respective branches are functioning, they may be adjusted during the financial year in the event of any natural calamity or civil disturbance in the area, regulatory changes related to credit and revision of  strategy of  the bank etc. There has been a positive overall growth of advances of PSBs, with year-on-year growth being 9.8%, 15.8% and 13.5% in financial years 2021-22, 2022-23 and 2023-24, respectively.

Further, various efforts have also been undertaken by PSBs to improve the credit delivery and achieve their  credit  growth  targets  including  those  in  the  rural  and  semi-urban  areas  of   the  country.  These include, inter alia , actively working  on  outreach  programs,  sector-specific  lending,  community engagement, simplified loan application processes, strategic partnerships, collaboration with government bodies, and financial literacy programs.

*****

## Lok Sabha Unstarred Question no. 8 for 22.7.2024 regarding 'Amount Deposited and Loans Disbursed by PSBs'

## State-wise number of functioning bank branches of Public Sector Banks in Rural and Semiurban centres as on 31.3.2024

| State/UT                                 | Rural   | Semi-urban   |
|------------------------------------------|---------|--------------|
| Andaman & Nicobar Islands                | 23      | 9            |
| Andhra Pradesh                           | 1,478   | 1,371        |
| Arunachal Pradesh                        | 58      | 58           |
| Assam                                    | 663     | 431          |
| Bihar                                    | 1,622   | 1,301        |
| Chandigarh                               | 11      | 5            |
| Chhattisgarh                             | 525     | 400          |
| Dadra and Nagar Haveli and Daman and Diu | 12      | 48           |
| Goa                                      | 206     | 233          |
| Gujarat                                  | 1,629   | 1,166        |
| Haryana                                  | 792     | 699          |
| Himachal Pradesh                         | 909     | 202          |
| Jammu & Kashmir                          | 146     | 138          |
| Jharkhand                                | 969     | 528          |
| Karnataka                                | 1,882   | 1,266        |
| Kerala                                   | 140     | 2,351        |
| Ladakh                                   | 22      | 17           |
| Lakshadweep                              | 6       | 7            |
| Madhya Pradesh                           | 1,277   | 1,184        |
| Maharashtra                              | 2,069   | 1,724        |
| Manipur                                  | 82      | 33           |
| Meghalaya                                | 101     | 40           |
| Mizoram                                  | 18      | 25           |
| Nagaland                                 | 57      | 47           |
| Delhi                                    | 72      | 97           |
| Odisha                                   | 1,539   | 825          |
| Puducherry                               | 30      | 44           |
| Punjab                                   | 1,517   | 1,198        |
| Rajasthan                                | 1,479   | 1,211        |
| Sikkim                                   | 59      | 13           |
| Tamil Nadu                               | 1,897   | 2,183        |
| Telangana                                | 842     | 721          |
| Tripura                                  | 94      | 82           |
| Uttarakhand                              | 652     | 311          |
| Uttar Pradesh                            | 4,195   | 2,565        |
| West Bengal                              | 2,139   | 956          |

Source: Reserve Bank of India

## Lok Sabha Unstarred Question no. 8 for 22.7.2024 regarding 'Amount Deposited and Loans Disbursed by PSBs'

State-wise details of the deposits and advances outstanding of Public Sector Banks for the last three financial years

| State/UT                                 | Amount Outstanding (in ₹ crore)   | Amount Outstanding (in ₹ crore)   | Amount Outstanding (in ₹ crore)   | Amount Outstanding (in ₹ crore)   | Amount Outstanding (in ₹ crore)   | Amount Outstanding (in ₹ crore)   |
|------------------------------------------|-----------------------------------|-----------------------------------|-----------------------------------|-----------------------------------|-----------------------------------|-----------------------------------|
| State/UT                                 | as on 31.3.2024                   | as on 31.3.2024                   | as on 31.3.2023                   | as on 31.3.2023                   | as on 31.3.2022                   | as on 31.3.2022                   |
| State/UT                                 | Deposits                          | Advances                          | Deposits                          | Advances                          | Deposits                          | Advances                          |
| Andaman & Nicobar Islands                | 6,735                             | 3,837                             | 6,206                             | 3,459                             | 5,788                             | 2,963                             |
| Andhra Pradesh                           | 3,30,006                          | 5,27,216                          | 2,94,052                          | 4,56,902                          | 2,73,696                          | 3,98,881                          |
| Arunachal Pradesh                        | 23,223                            | 7,778                             | 22,344                            | 6,405                             | 20,334                            | 5,221                             |
| Assam                                    | 1,61,414                          | 83,223                            | 1,52,626                          | 72,608                            | 1,42,418                          | 61,564                            |
| Bihar                                    | 4,00,210                          | 1,61,970                          | 3,64,478                          | 1,40,635                          | 3,39,331                          | 1,22,112                          |
| Chandigarh                               | 59,963                            | 58,218                            | 57,785                            | 53,051                            | 53,191                            | 60,571                            |
| Chhattisgarh                             | 1,62,382                          | 1,17,614                          | 1,49,816                          | 1,04,391                          | 1,39,962                          | 90,055                            |
| Dadra and Nagar Haveli and Daman and Diu | 11,169                            | 2,732                             | 10,331                            | 2,537                             | 9,642                             | 2,158                             |
| Goa                                      | 80,251                            | 19,736                            | 75,096                            | 17,127                            | 69,914                            | 15,546                            |
| Gujarat                                  | 6,98,339                          | 3,96,940                          | 6,35,271                          | 3,55,202                          | 5,96,035                          | 3,25,438                          |
| Haryana                                  | 3,31,428                          | 1,96,091                          | 3,00,294                          | 1,73,237                          | 2,76,468                          | 1,47,491                          |
| Himachal Pradesh                         | 1,21,305                          | 40,084                            | 1,11,127                          | 34,506                            | 1,01,435                          | 30,601                            |
| Jammu & Kashmir                          | 41,044                            | 24,212                            | 38,883                            | 21,106                            | 37,331                            | 17,389                            |
| Jharkhand                                | 2,70,589                          | 83,594                            | 2,49,280                          | 71,630                            | 2,34,231                          | 60,761                            |
| Karnataka                                | 8,08,712                          | 5,88,822                          | 7,43,729                          | 5,28,125                          | 7,06,194                          | 4,61,408                          |
| Kerala                                   | 3,99,228                          | 3,04,283                          | 3,67,181                          | 2,64,605                          | 3,47,551                          | 2,29,132                          |
| Ladakh                                   | 2,400                             | 1,671                             | 2,112                             | 1,438                             | 1,943                             | 1,096                             |
| Lakshadweep                              | 1,532                             | 167                               | 1,413                             | 145                               | 1,230                             | 118                               |
| Madhya Pradesh                           | 4,52,775                          | 2,75,290                          | 4,12,968                          | 2,45,761                          | 3,94,539                          | 2,24,556                          |
| Maharashtra                              | 22,50,479                         | 20,72,692                         | 19,82,882                         | 17,79,633                         | 17,62,514                         | 14,08,406                         |
| Manipur                                  | 11,688                            | 9,972                             | 11,199                            | 8,846                             | 10,485                            | 6,969                             |
| Meghalaya                                | 22,090                            | 10,471                            | 20,666                            | 8,750                             | 19,368                            | 7,080                             |
| Mizoram                                  | 7,863                             | 3,957                             | 7,622                             | 3,409                             | 7,066                             | 2,946                             |
| Nagaland                                 | 12,302                            | 7,956                             | 11,697                            | 6,834                             | 10,517                            | 5,674                             |
| Delhi                                    | 9,13,226                          | 9,50,996                          | 8,67,585                          | 8,70,835                          | 7,85,909                          | 8,10,543                          |
| Odisha                                   | 3,76,899                          | 1,63,834                          | 3,43,782                          | 1,36,230                          | 3,15,288                          | 1,16,112                          |
| Puducherry                               | 21,101                            | 11,440                            | 18,823                            | 9,780                             | 17,759                            | 8,859                             |
| Punjab                                   | 4,14,556                          | 1,79,349                          | 3,85,909                          | 1,61,842                          | 3,62,436                          | 1,59,176                          |
| Rajasthan                                | 4,14,044                          | 2,92,512                          | 3,79,547                          | 2,61,410                          | 3,49,224                          | 2,33,316                          |
| Sikkim                                   | 9,556                             | 5,397                             | 8,961                             | 4,759                             | 8,321                             | 3,922                             |
| Tamil Nadu                               | 7,07,599                          | 7,96,713                          | 6,54,752                          | 6,87,739                          | 6,17,766                          | 6,13,150                          |
| Telangana                                | 4,20,775                          | 4,83,919                          | 3,79,142                          | 4,28,559                          | 3,63,215                          | 3,83,868                          |
| Tripura                                  | 23,376                            | 8,768                             | 22,127                            | 7,613                             | 20,183                            | 6,654                             |
| Uttar Pradesh                            | 11,99,072                         | 4,91,104                          | 10,95,476                         | 4,36,362                          | 10,07,846                         | 3,87,634                          |
| Uttarakhand                              | 1,72,798                          | 54,240                            | 1,59,097                          | 48,905                            | 1,46,754                          | 44,899                            |
| West Bengal                              | 7,48,470                          | 3,18,527                          | 7,05,613                          | 2,93,590                          | 6,62,448                          | 2,67,498                          |

Source: Reserve Bank of India