Lok Sabha Question No. 3328 (UNSTARRED), answered on 2016-08-05
Subject: Advance Loans by NABARD
Ministry: FINANCE
Asked by: SAKSHI SWAMI MAHARAJ

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## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA

Unstarred Question No. †3328

To be answered on August 05, 2016/Shravana 14, 1938 (Saka)

## Advance Loans by NABARD

†3328. DR. SWAMI SAKSHIJI MAHARAJ:

Will the Minister of FINANCE be pleased to state:

- (a) the sector to which the National Bank for Agriculture and Rural Development (NABARD) advances loans;
- (b) the details of loans advanced by NABARD during the last three years, year-wise and sector-wise;
- (c) whether NABARD has advanced loan to corporate sector on liberal conditions;
- (d) if so, the details of loans advanced to corporate houses during the last three years and the interest charged from them; and
- (e) the amount of interest charged by NABARD from farmers during the last three years, year-wise?

## Answer

The Minister of State in the Ministry of Finance (Shri Santosh Kumar Gangwar)

- (a) & (b) The details of the sector to which National Bank for Agriculture and Rural Development (NABARD) advances loans and the details of loans advanced during the last three years, year-wise and sector-wise, are given in Annexure.
- (c) & (d) NABARD has reported that it has not advanced loans to corporate sector on liberal conditions.
- (e) NABARD does not lend to the farmers directly. However, NABARD extends refinance to banks for their agricultural lending.

## Annexure to USQ 3328 for 05.08.2016

| YEAR    |   AGRICULTURE RELATED SECTORS |   SOCIAL SECTORS |   RURAL CONNECTIVITY |   TOTAL |
|---------|-------------------------------|------------------|----------------------|---------|
| 2013-14 |                       9046.89 |          3683.14 |             10016.6  | 22746.7 |
| 2014-15 |                      12262.5  |          5828.56 |             10546.1  | 28637.2 |
| 2015-16 |                      14671.3  |          4857.12 |              9301.22 | 28829.7 |

A (i) Details of Broad Sector-wise RIDF Sanctions during the last three years

[Rs. in crores]

## [Rs. in crores]

| YEAR                  |   AGRICULTURE RELATED SECTORS |   SOCIAL SECTORS |   RURAL CONNECTIVITY |   TOTAL |
|-----------------------|-------------------------------|------------------|----------------------|---------|
| 2013-14               |                       7164.14 |          1991.36 |              8198.58 | 17354.1 |
| 2014-15               |                       8434.39 |          2882.43 |              8348.92 | 19665.7 |
| 2015-16 [Provisional] |                      11070.8  |          3721.45 |              8717.94 | 23510.2 |

- (B) Warehouse Infrastructure Fund and Food Processing Fund

(ii) Details of Broad Sector-wise RIDF Disbursements during the last three years

## [Rs. in crores]

| Fund                       | Sector         |   No of projects |   Loan Amount sanctioned |   Loan Disbursed |
|----------------------------|----------------|------------------|--------------------------|------------------|
| WIF 2013- 14               | Public Sector  |             3289 |                  4591.62 |          1433.6  |
| WIF 2013- 14               | Private Sector |               30 |                   133.65 |            62    |
| WIF 2014- 15               | Public Sector  |             5892 |                  5914.2  |           902.96 |
| WIF 2014- 15               | Private Sector |                4 |                    52.43 |            17.1  |
| Food Processing Fund (FPF) | Public Sector  |                4 |                   166.55 |            17.67 |
| Food Processing Fund (FPF) | Private Sector |               10 |                   374.4  |            22.45 |

(C) Off Farm Development

[Rs. in lakhs]

|   Sl. No. | Sector                        | 2013-14   | 20-14-15   |   2015-16 |
|-----------|-------------------------------|-----------|------------|-----------|
|         1 | Rural Sanitation              | 90.00     | 117.85     |    855.73 |
|         2 | Rural Housing                 | --        | 1800.00    |  23900    |
|         3 | Livelihood support activities | 53.67     | 277.10     |     60.02 |
|         4 | Rural Tourism                 | --        | --         |    124.32 |

(D) Watershed Development Fund [WDF]

[Rs. in lakhs]

| Sr.   |                        | Cumulative loan             | Cumulative loan disbursed as on 31.03.2016   | Amount sanctioned   | Amount sanctioned   | Amount sanctioned   |
|-------|------------------------|-----------------------------|----------------------------------------------|---------------------|---------------------|---------------------|
| No    | Loan sanctioned to     | sanctioned as on 31.03.2016 |                                              | 2013-14             | 2014- 15            | 2015- 16            |
| 1     | Karnataka State Govt.  | 2052.43                     | 2052.43                                      | 24.89               | 0.00                | 0.00                |
| 2     | Tamil Nadu State Govt. | 3432.47                     | 3432.47                                      | 0.00                | 901.91              | 492.37              |
|       | Total                  | 5484.90                     | 5484.90                                      | 24.89               | 901.91              | 492.37              |

- (E) Tribal Development Fund [TDF]

[Rs. in lakh]

| Sector             |   2013-14 |   2014-15 |   2015-16 |
|--------------------|-----------|-----------|-----------|
| TDF Loan disbursed |       536 |       716 |       691 |

- (F) Producer Organization Development Fund [PODF]

| Producers' Organization   | 2013-14                                                                   | 2014-15                   | 2014-15     | 2015-16                 | 2015-16     |
|---------------------------|---------------------------------------------------------------------------|---------------------------|-------------|-------------------------|-------------|
| Producers' Organization   | Primary Agricultural Credit Society (PACS) as Multi Service Centres (MSC) | Producer s' Organizat ion | PACS as MSC | Producers' Organization | PACS as MSC |
| 3787.03                   | 15795.39                                                                  | 10043.75                  | 10421.70    | 6868.59                 | 9385.77     |

(G) Umbrella Programme on Natural resources Management [UPNRM]

- (i). Sector wise loan disbursement

[Rs. in lakh]

[Rs. in crore]

|   S.No. | Sector                      |   2013-14 |   2014-15 |   2015-16 |
|---------|-----------------------------|-----------|-----------|-----------|
|       1 | Agriculture                 |      9.96 |      2.56 |      0    |
|       2 | Efficient Irrigation        |     14.51 |     31.38 |      0.9  |
|       3 | Integrated Animal Husbandry |     22.81 |      6.56 |      2.5  |
|       4 | Marketing                   |      1.45 |      9.78 |      1.58 |
|       5 | Agro Processing             |      3.77 |      2.07 |      1.65 |

(ii). Year wise loan disbursed

[Rs.in crore]

|   S.No. | Year    |   Amount |
|---------|---------|----------|
|       1 | 2013-14 |    65.57 |
|       2 | 2014-15 |    53.26 |
|       3 | 2015-16 |    34.27 |

(H) The details of loans advanced by NABARD under Credit Facility To Federations (CFF)/Direct Refinance to Co-operatives and NIDA during the last three years [Rs. in crores]

| Sr. No.   | Product/Sector                           | 2013-14                                  | 2014-15                                  | 2015-16                                  |
|-----------|------------------------------------------|------------------------------------------|------------------------------------------|------------------------------------------|
|           | Credit Facility to Marketing Federations | Credit Facility to Marketing Federations | Credit Facility to Marketing Federations | Credit Facility to Marketing Federations |
| (i)       | Milk Federation                          |                                          | 410.00                                   | 573.50                                   |
| (ii)      | Procurement of Fertilizers               | 200.00                                   | 154.00                                   | 46.00                                    |
| (iii)     | Procurement of Foodgrains                | 2550.17                                  | 4591.00                                  | 6394.00                                  |
|           | CFF Total                                | 2750.17                                  | 5155.00                                  | 7013.50                                  |
|           | Direct Refinance to                      | 3429.84                                  | 4893.17                                  | 5539.65                                  |

|       | Cooperatives                                        |                                                     |                                                     |                                                     |
|-------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
|       | NABARD Infrastructure Development Assistance [NIDA] | NABARD Infrastructure Development Assistance [NIDA] | NABARD Infrastructure Development Assistance [NIDA] | NABARD Infrastructure Development Assistance [NIDA] |
| (i)   | Bridges                                             |                                                     |                                                     | 132.00                                              |
| (ii)  | Transmission                                        | 312.85                                              | 505.61                                              | 892.60                                              |
| (iii) | Roads                                               | 260.00                                              | 105.87                                              |                                                     |
| (iv)  | Sewerage                                            |                                                     |                                                     | 35.48                                               |
| (v)   | Wind Power                                          |                                                     |                                                     | 75.00                                               |
| (vi)  | Warehousing                                         | 2.12                                                |                                                     | 87.04                                               |
|       | NIDA Total                                          | 574.97                                              | 611.48                                              | 1222.12                                             |

## (I) REFINANCE ASSISTANCE TO RRBs BY NABARD FOR ST(SAO) DURING LAST 3 YEARS [Rs. in crore]

| YEAR    |   TARGET |   MAXIMUM UTILISATION |
|---------|----------|-----------------------|
| 2013-14 |  25876.3 |               25964.9 |
| 2014-15 |  30000   |               30003.3 |
| 2015-16 |  16000   |               16000.5 |

## (J) (i) Refinance Assistance to StCBs for ST [SAO] - During last 03 years

[Rs. in crore]

| YEAR    |   TARGET |   MAXIMUM UTILISATION |
|---------|----------|-----------------------|
| 2013-14 |  53989.2 |               53903   |
| 2014-15 |  59800   |               59787.6 |
| 2015-16 |  53774   |               53773.7 |

## (ii) Additional ST-SAO Refinance to StCBs

It has been reported a few StCBs and RRBBs are facing liquidity constraints due to reasons like drought conditions and increased demand, withdrawal of deposits by CCBs etc. It has, therefore been decided to provide additional St-SAO refinance to StCBs and RRBs over and above normal ST-SAO limits from the current year (2016-17). An amount of Rs 5095.30 crore has been disbursed so far to 7 StCBs.

## (K) Refinance Assistance to PSBs for PACS for ST [SAO] - During last 03 years

[Rs. in crore]

| YEAR    |   TARGET |   MAXIMUM UTILISATION |
|---------|----------|-----------------------|
| 2013-14 |   134.54 |                134.54 |
| 2014-15 |   200    |                213.03 |
| 2015-16 |   225    |                226.54 |

## (L) Refinance Assistance to StCBs for ST [Weavers]During last 03 years

[Rs. in crore]

| YEAR    |   TARGET | MAXIMUM UTILISATION   |        |
|---------|----------|-----------------------|--------|
| 2013-14 |   251.12 |                       | 142.9  |
| 2014-15 |   283.89 |                       | 145.39 |
| 2015-16 |   235.47 |                       | 188.22 |

## (M) (i) Refinance Assistance to StCBs for ST [Others]During last 03 years

## [Rs. in crore]

| YEAR    |   TARGET |   MAXIMUM UTILISATION |
|---------|----------|-----------------------|
| 2013-14 |   197.87 |                 85.96 |
| 2014-15 |   150    |                  0    |

| 2015-16   | 837.00   | 603.42   |
|-----------|----------|----------|

## (ii) Refinance Assistance to RRBs for ST [Others]-

## During last 03 years

[Rs. in crore]

| YEAR    |   TARGET |   MAXIMUM UTILISATION |
|---------|----------|-----------------------|
| 2013-14 |    755   |                628.05 |
| 2014-15 |    186   |                  1.5  |
| 2015-16 |    424.2 |                423.8  |

## (N) Sector-wise Long Term Refinance Disbursement for last 03 years

[Rs. in crore]

| Purpose                        | 2013-14      | 2014-15      | 2015-16      |
|--------------------------------|--------------|--------------|--------------|
| Purpose                        | Disbursement | Disbursement | Disbursement |
| Minor Irrigation               | 517.87       | 1147.17      | 1174.30      |
| Land Development               | 834.05       | 1300.16      | 1554.50      |
| Farm Mechanisation             | 3062.40      | 2383.60      | 5672.29      |
| Plantation and Horticulture    | 690.59       | 2033.45      | 1983.37      |
| PF/SGP/ AH-Other               | 620.59       | 672.52       | 1237.16      |
| Fisheries                      | 21.81        | 64.15        | 370.52       |
| Dairy Development              | 931.89       | 1770.63      | 2833.98      |
| Forestry                       | 6.39         | 8.29         | 5.90         |
| Storage Godown and Market Yard | 379.32       | 294.21       | 413.37       |
| SGSY                           | 54.96        | 0.81         | 0.49         |
| Non-Farm Sector                | 7806.46      | 11117.83     | 14055.88     |
| SC/ST-AP                       | 14.70        | 2.47         | 36.14        |
| SHG                            | 3745.83      | 4493.67      | 6906.02      |
| Others                         | 2799.31      | 6138.34      | 11819.80     |
| TOTAL                          | 21486.17     | 31427.30     | 48063.72     |

Source: NABARD