Lok Sabha Question No. 2275 (UNSTARRED), answered on 2015-12-11
Subject: Bank Loans
Ministry: FINANCE
Asked by: BHAVANA GAWALI (PATIL), ARVIND GANPAT SAWANT, SHOBHA KARANDLAJE, ASHOK MAHADEORAO NETE, PRATHAP SIMHA

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

********

## LOK SABHA UNSTARRED QUESTION NO. 2275

TO BE ANSWERED ON DECEMBER 11, 2015/AGRAHAYANA 20, 1937 (SAKA)

'Bank Loans' QUESTION

2275. SHRIMATI BHAVANA PUNDALIKRAO GAWALI PATIL:

SHRI ARVIND SAWANT:

KUMARI SHOBHA KARANDLAJE:

SHRI ASHOK MAHADEORAO NETE:

SHRI PRATHAP SIMHA:

Will the Minister of FINANCE be pleased to state:

- (a) the details of total loans disbursed by Public Sector Banks to different sectors including agriculture, industry, housing sectors during each of the last three years and the current year, bank and State -wise including Maharashtra and Karnataka;
- (b) the extent to which the financing has grown through non-banking domestic sources during the said period;
- (b) the percentage of loans given/availed to members of Scheduled Castes and Scheduled Tribes during the said period, category and Statewise including Maharashtra and Karnataka; and
- (d) the steps taken/being taken by the Government to provide easy loans to said sectors?

## ANSWER

## The Minister of State in the Ministry of Finance (SHRI JAYANT SINHA)

- (a): The outstanding loans of Public Sector Banks to different sectors including agriculture, industry, housing sectors during each of the last three years and the current year, bank wise is at Annexure-I and State -wise is at Annexure-II.
- (b): Outstanding loans advanced by the Non Banking Financial Companies (NBFCs) registered with the Banks for the last three years and current year are as under:
- (c): Percentage of State wise loans given to members of Scheduled Castes and Scheduled Tribes during the last three years is at Annexure-III.
- (d): For institutional credit to farmers, the Government provides interest subvention to make short-term crop loans upto Rs.3 lakh at the interest rate of 7% per annum

|   Outstanding as at the end of March (Rs. in Crore) |   Outstanding as at the end of March (Rs. in Crore) |   Outstanding as at the end of March (Rs. in Crore) |   Outstanding as at the end of March (Rs. in Crore) |   Growth (%) |   Growth (%) |   Growth (%) |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|--------------|--------------|--------------|
|                                                2012 |                                                2013 |                                                2014 |                                                2015 |      2013    |      2014    |      2015    |
|                                              766132 |                                              922314 |                                             1016523 |                                             1187198 |        20.39 |        10.21 |        16.79 |

Source; RBI

and in case of prompt repayment, the same gets reduced to 4%. In order to discourage distress sale of produce by small and marginal farmers, post-harvest loans against Negotiable Warehouse Receipts (NWRs) are provided by banks to Small Farmers/Marginal Farmers having Kisan Credit Card (KCC), at the interest rate of 7% per annum for a period of upto six months.

Reserve Bank of India (RBI) has prescribed relatively lower rates of provisioning for standard assets of Farm Credit to agricultural activities and Small and Micro Enterprises (SMEs) sectors at 0.25 per cent as against 0.40 per cent for all other sectors (including individual housing loans).

In order to ensure adequate credit flow to the infrastructure sector as also towards the affordable housing needs of the country, RBI allows banks to issue long-term bonds with a minimum maturity of seven years to raise resources for lending to (i) long term projects in infrastructure subsectors, and (ii) for affordable housing.

Statement referred to in respect of part (a) of Lok Sabha Unstarred Question No. 2275 for 11.12.2015 raised by Shrimati Bhavana Pundalikrao Gawali Patil and others regarding 'Bank Loans' Outstanding credit in different sectors as on 31 st March of Public Sector Banks

## Annexure-I

|                                  | AGRICULTURE   | AGRICULTURE   | AGRICULTURE   | AGRICULTURE   | INDUSTRY   | INDUSTRY   | INDUSTRY   | INDUSTRY   | PERSONAL (EXCLUDING HOUSING)   | PERSONAL (EXCLUDING HOUSING)   | PERSONAL (EXCLUDING HOUSING)   | PERSONAL (EXCLUDING HOUSING)   |
|----------------------------------|---------------|---------------|---------------|---------------|------------|------------|------------|------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|
|                                  | 2012          | 2013          | 2014          | 2015          | 2012       | 2013       | 2014       | 2015       | 2012                           | 2013                           | 2014                           | 2015                           |
| State Bank Of Bikaner And Jaipur | 8,077         | 9,864         | 13,398        | 11,538        | 22,504     | 27,296     | 28,191     | 31,550     | 4,743                          | 5,491                          | 6,094                          | 7,036                          |
| State Bank Of Hyderabad          | 9,533         | 11,483        | 13,228        | 14,676        | 38,936     | 45,769     | 47,897     | 49,820     | 7,876                          | 9,711                          | 10,795                         | 12,315                         |
| State Bank Of India              | 88,233        | 110,039       | 117,884       | 124,421       | 354,746    | 441,090    | 523,266    | 535,747    | 78,219                         | 88,686                         | 96,120                         | 110,870                        |
| State Bank Of Mysore             | 4,593         | 5,838         | 7,135         | 8,017         | 19,811     | 22,234     | 25,846     | 25,642     | 3,258                          | 3,443                          | 4,126                          | 4,877                          |
| State Bank Of Patiala            | 7,555         | 7,554         | 8,921         | 11,282        | 34,201     | 42,945     | 41,684     | 41,063     | 4,297                          | 2,897                          | 6,637                          | 4,358                          |
| State Bank Of Travancore         | 2,786         | 3,266         | 2,593         | 8,942         | 19,468     | 24,579     | 28,419     | 26,245     | 11,687                         | 14,905                         | 15,074                         | 8,067                          |
| Allahabad Bank                   | 13,729        | 15,673        | 18,377        | 21,277        | 57,922     | 64,715     | 69,757     | 72,923     | 5,145                          | 6,801                          | 5,466                          | 6,228                          |
| Andhra Bank                      | 10,946        | 15,555        | 19,486        | 19,876        | 41,826     | 49,097     | 51,188     | 58,183     | 8,921                          | 6,754                          | 8,785                          | 9,838                          |
| Bank Of Baroda                   | 24,537        | 25,095        | 27,390        | 31,874        | 82,926     | 93,446     | 113,000    | 121,182    | 8,365                          | 8,982                          | 10,402                         | 12,310                         |
| Bank Of India                    | 19,437        | 25,087        | 32,452        | 35,892        | 80,527     | 92,202     | 110,959    | 122,171    | 10,583                         | 10,866                         | 14,712                         | 15,163                         |
| Bank Of Maharashtra              | 6,814         | 8,258         | 9,961         | 11,278        | 20,835     | 34,658     | 42,299     | 46,758     | 2,099                          | 3,046                          | 3,490                          | 3,465                          |
| Bhartiya Mahila Bank             | -             | -             | -             | 5             | -          | -          | -          | 67         | -                              | -                              | -                              | 5                              |
| Canara Bank                      | 31,316        | 40,980        | 75,292        | 55,810        | 114,351    | 114,826    | 118020     | 141,150    | 17,562                         | 16,303                         | 5,626                          | 15,303                         |
| Central Bank Of India            | 14,421        | 15,180        | 22,220        | 26,217        | 68,616     | 84,230     | 85,407     | 87,649     | 10,231                         | 13,198                         | 15,650                         | 17,731                         |
| Corporation Bank                 | 6,673         | 9,747         | 11,366        | 14,947        | 48,965     | 58,330     | 61,099     | 59,786     | 4,512                          | 5,968                          | 6,759                          | 8,021                          |
| Dena Bank                        | 6,725         | 7,005         | 8,691         | 9,311         | 23,860     | 28,018     | 33,228     | 35,424     | 2,650                          | 2,674                          | 2,274                          | 2,392                          |
| I.D.B.I. Ltd.                    | 9,863         | 7,132         | 8,883         | 13,924        | 92,371     | 103,771    | 104,280    | 103,655    | 3,495                          | 3,466                          | 3,915                          | 4,952                          |
| Indian Bank                      | 17,765        | 24,063        | 21,440        | 21,882        | 34,110     | 38,731     | 45,469     | 43,517     | 8,684                          | 13,076                         | 9,930                          | 12,900                         |
| Indian Overseas Bank             | 19,336        | 23,794        | 26,303        | 27,215        | 59,818     | 67,172     | 72,410     | 73,768     | 6,270                          | 8,052                          | 8,044                          | 8,236                          |
| Oriental Bank Of Commerce        | 13,712        | 25,736        | 18,269        | 18,413        | 58,386     | 57,775     | 62,267     | 64,258     | 3,979                          | 4,750                          | 5,052                          | 5,875                          |
| Punjab And Sind Bank             | 4,024         | 4,844         | 5,973         | 6,395         | 19,468     | 24,560     | 26,161     | 25,996     | 1,445                          | 1,255                          | 1,193                          | 1,443                          |
| Punjab National Bank             | 37,377        | 40,401        | 52,985        | 55,541        | 115,469    | 123,564    | 142,697    | 161,736    | 16,081                         | 17,397                         | 35,882                         | 24,347                         |
| Syndicate Bank                   | 14,952        | 14,086        | 20,591        | 22,422        | 8,737      | 5,339      | 49,318     | 61,835     | 4,616                          | 5,233                          | 8,098                          | 10,769                         |
| Uco Bank                         | 10,397        | 11,938        | 15,434        | 16,009        | 52,507     | 56,302     | 53,884     | 51,485     | 5,456                          | 2,323                          | 2,399                          | 2,858                          |
| Union Bank Of India              | 20,829        | 20,151        | 24,470        | 34,007        | 67,250     | 74,680     | 85,572     | 91,761     | 3,628                          | 3,674                          | 4,344                          | 4,968                          |
| United Bank Of India             | 7,167         | 8,464         | 8,836         | 7,712         | 28,534     | 29,979     | 32,542     | 32,673     | 826                            | 989                            | 1,237                          | 1,143                          |
| Vijaya Bank                      | 6,457         | 7,643         | 8,423         | 7,688         | 14,119     | 37,468     | 42,116     | 44,282     | 4,962                          | 1,816                          | 2,146                          | 3,201                          |
| Grand Total                      | 417,255       | 498,874       | 600,001       | 636,572       | 1,580,262  | 1,842,776  | 2,096,976  | 2,210,324  | 239,591                        | 261,759                        | 294,249                        | 318,674                        |

## Amount in rupees crores

## Contd-------

Contd---------

Amount in rupee crore

|                                | HOUSING   | HOUSING   | HOUSING   | HOUSING   | ALL OTHERS   | ALL OTHERS   | ALL OTHERS   | ALL OTHERS   | TOTAL     | TOTAL     | TOTAL     | TOTAL     |
|--------------------------------|-----------|-----------|-----------|-----------|--------------|--------------|--------------|--------------|-----------|-----------|-----------|-----------|
| BANK                           | 2012      | 2013      | 2014      | 2015      | 2012         | 2013         | 2014         | 2015         | 2012      | 2013      | 2014      | 2015      |
| State Bk Of Bikaner And Jaipur | 3,264     | 3,603     | 3,984     | 5,118     | 11,430       | 12,226       | 13654        | 15,083       | 50,018    | 58,479    | 65,322    | 70,325    |
| State Bank Of Hyderabad        | 7,692     | 9,736     | 11,486    | 14,284    | 13,595       | 15,463       | 14,722       | 17,415       | 77,633    | 92,162    | 98,128    | 108,509   |
| State Bank Of India            | 103,142   | 119,760   | 135,543   | 160,550   | 131,785      | 147,851      | 154,721      | 166,736      | 756,125   | 907,427   | 1,027,534 | 1,098,324 |
| State Bank Of Mysore           | 3,495     | 4,089     | 4,671     | 5,792     | 9,523        | 10,385       | 9,098        | 8,986        | 40,679    | 45,989    | 50,876    | 53,314    |
| State Bank Of Patiala          | 4,651     | 6,635     | 8,304     | 10,327    | 13,450       | 15,453       | 12,838       | 13,640       | 64,154    | 75,483    | 78,385    | 80,670    |
| State Bank Of Travancore       | 9,664     | 10,631    | 11,376    | 12,701    | 14,376       | 15,192       | 12,863       | 13,774       | 57,981    | 68,572    | 70,326    | 69,730    |
| Allahabad Bank                 | 3,408     | 4,139     | 5,713     | 7,037     | 24,580       | 33,805       | 36,613       | 38,210       | 104,785   | 125,134   | 135,927   | 145,674   |
| Andhra Bank                    | 5,453     | 6,194     | 7,243     | 9,226     | 17,720       | 22,456       | 24,184       | 32,473       | 84,866    | 100,056   | 110,885   | 129,595   |
| Bank Of Baroda                 | 14,073    | 15,901    | 18,507    | 21,830    | 75,821       | 85,380       | 108,560      | 113,066      | 205,721   | 228,804   | 277,859   | 300,262   |
| Bank Of India                  | 8,631     | 10,306    | 12,540    | 16,068    | 60,411       | 65,471       | 93,591       | 101,317      | 179,589   | 203,932   | 264,254   | 290,612   |
| Bank Of Maharashtra            | 4,973     | 6,595     | 8,269     | 9,562     | 22,237       | 23,813       | 25,850       | 29,378       | 56,959    | 76,370    | 89,869    | 100,440   |
| Bhartiya Mahila Bank           | -         | -         | -         | 4         | -            | -            | -            | 271          | -         | -         | -         | 352       |
| Canara Bank                    | 8,775     | 9,469     | 12757     | 16,045    | 58,036       | 55,878       | 73,861       | 84,630       | 230,040   | 237,457   | 285,557   | 312,938   |
| Central Bank Of India          | 6,726     | 9,476     | 10,593    | 13,696    | 51,217       | 54,131       | 49,722       | 50,113       | 151,211   | 176,216   | 183,591   | 195,407   |
| Corporation Bank               | 6,784     | 8,478     | 10,331    | 12,297    | 33,197       | 35,780       | 50,991       | 55,272       | 100,132   | 118,303   | 140,545   | 150,322   |
| Dena Bank                      | 2,529     | 2,887     | 3,357     | 4,018     | 21,311       | 25,872       | 31,271       | 30,174       | 57,076    | 66,456    | 78,821    | 81,319    |
| I.D.B.I. Ltd.                  | 23,480    | 21,409    | 23,047    | 26,691    | 47,691       | 52,711       | 45,498       | 42,694       | 176,900   | 188,489   | 185,623   | 191,916   |
| Indian Bank                    | 6,189     | 6,488     | 7,309     | 8,142     | 21,602       | 18,809       | 32,972       | 36,611       | 88,350    | 101,167   | 117,120   | 123,054   |
| Indian Overseas Bank           | 4,533     | 5,594     | 6,154     | 7,125     | 38,884       | 42,910       | 51,163       | 45,291       | 128,841   | 147,522   | 164,074   | 161,635   |
| Oriental Bank Of Commerce      | 5,667     | 6,926     | 7,857     | 9,055     | 27,293       | 34,903       | 47,249       | 50,991       | 109,037   | 130,092   | 140,695   | 148,591   |
| Punjab And Sind Bank           | 1,928     | 2,344     | 2,686     | 3,126     | 19,296       | 18,739       | 21,785       | 27,811       | 46,161    | 51,742    | 57,798    | 64,770    |
| Punjab National Bank           | 12,991    | 13,323    | 15,508    | 20,256    | 91,447       | 89,734       | 81,038       | 80,644       | 273,366   | 284,419   | 328,110   | 342,525   |
| Syndicate Bank                 | 6,939     | 8,210     | 4,695     | 5,589     | 77,795       | 94,978       | 60,278       | 64,041       | 113,040   | 127,845   | 142,981   | 164,655   |
| Uco Bank                       | 5,059     | 5,196     | 5,826     | 8,479     | 37,979       | 44,792       | 64,569       | 60,989       | 111,398   | 120,552   | 142,113   | 139,820   |
| Union Bank Of India            | 10,796    | 12,599    | 14,815    | 18,753    | 72,062       | 87,578       | 81,900       | 95,082       | 174,564   | 198,681   | 211,100   | 244,570   |
| United Bank Of India           | 3,023     | 3,596     | 4,164     | 4,913     | 24,045       | 26,378       | 20,634       | 24,728       | 63,594    | 69,405    | 67,413    | 71,169    |
| Vijaya Bank                    | 4,011     | 4,631     | 5,124     | 7,356     | 29,991       | 18,789       | 25,363       | 25,287       | 59,540    | 70,348    | 83,172    | 87,813    |
| Grand Total                    | 277,877   | 318,216   | 361,861   | 438,036   | 1,046,775    | 1,149,476    | 1,244,989    | 1,324,706    | 3,561,759 | 4,071,101 | 4,598,076 | 4,928,311 |

Source: RBI

Basic Statistical Return(BSR) - 1 of Scheduled Commercial Banks in India

Note: The objective of the BSR 1&2 Surveys is to get the distribution of bank deposits and credit as per various characteristics at aggregate level. Wherever inconsistent data are reported at granular level, estimations are used to arrive at stable distributions at aggregate level.

Statement referred to in respect of part (a) of Lok Sabha Unstarred Question No. 2275 for 11.12.2015 raised by Shrimati Bhavana Pundalikrao Gawali Patil and others regarding 'Bank Loans'

## STATE WISE OUTSTANDING CREDIT IN DIFFERENT SECTORS of PUBLIC SECTOR BANKS AS ON 31 ST MARCH

## (Amount in rupees crores)

|                         |           |         |           |           | AGRICULTURE INDUSTRY   | AGRICULTURE INDUSTRY   | AGRICULTURE INDUSTRY   | AGRICULTURE INDUSTRY   | PERSONAL LOANS (EXCLUDING HOUSING)   | PERSONAL LOANS (EXCLUDING HOUSING)   | PERSONAL LOANS (EXCLUDING HOUSING)   | PERSONAL LOANS (EXCLUDING HOUSING)   | HOUSING   | HOUSING   | HOUSING        | HOUSING          |                |                  |             |               | TOTAL   | TOTAL        | TOTAL   | TOTAL   | TOTAL   | TOTAL   | TOTAL   | TOTAL   | TOTAL   |
|-------------------------|-----------|---------|-----------|-----------|------------------------|------------------------|------------------------|------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|-----------|-----------|----------------|------------------|----------------|------------------|-------------|---------------|---------|--------------|---------|---------|---------|---------|---------|---------|---------|
|                         | 2012      | 2013    | 2014      | 2015      | 2012                   | 2013                   | 2014                   | 2015                   | 2012                                 | 2013                                 | 2014                                 | 2015                                 | 2012      | 2013      | 2014           | 2015 2012        | 2013           | 2014             | 2015        | 2012          | 2013    | 2014         | 2015    | 2015    | 2015    | 2015    | 2015    | 2015    | 2015    |
| ANDAMAN                 | 45        | 77      | 86        | 89        | 57                     | 86                     | 82                     | 93                     | 210                                  | 243                                  | 278                                  | 336                                  | 148       | 177       | 205            | 240              | 311            | 315 329          | 373         | 771           |         | 899 980      | 1131    | 1131    | 1131    | 1131    | 1131    | 1131    | 1131    |
| ANDHRA PRADESH          | 60386     | 76269   | 91833     | 61569     | 129714                 | 146319                 | 164265                 | 30024                  | 28246                                | 28806                                | 33245                                | 18880                                | 30815     | 34747     | 38687          | 23278 55354      | 58734          | 60073            | 22904       | 304516 344875 | 388103  |              | 156655  | 156655  | 156655  | 156655  | 156655  | 156655  | 156655  |
| ARUNACHAL PRADESH       | 94        | 110     | 134       | 133       | 187                    | 1228                   | 187                    | 323                    | 751                                  | 803                                  | 878                                  | 1054                                 | 67        | 69        | 79             | 106              | 367            | 364 501          | 585         | 1466          | 2575    | 1779         | 2202    | 2202    | 2202    | 2202    | 2202    | 2202    | 2202    |
| ASSAM                   | 3294      | 3827    | 4628      | 4844      | 4712                   | 4891                   | 5159                   | 5627                   | 6109                                 | 6012                                 | 6991                                 | 7460                                 | 3013      | 2439      | 3928           | 4614             | 5016           | 5643             | 6562        | 21742         | 22185   | 26350        | 28056   | 28056   | 28056   | 28056   | 28056   | 28056   | 28056   |
| BIHAR                   | 10172     | 12043   | 17615     | 18357     | 4732                   | 6388                   | 6945                   | 7762                   | 8981                                 | 9108                                 | 9726                                 | 10764                                | 3670      | 4804      | 3564 5423 5847 | 7508             |                | 10508 12572      | 15498       | 35063         | 42851   | 52280        | 58229   | 58229   | 58229   | 58229   | 58229   | 58229   | 58229   |
| CHANDIGARH              | 3838      | 4147    | 2822      | 2000      | 21798                  | 27599                  | 30953                  | 34214                  | 2060                                 | 1369                                 | 1562                                 | 1762                                 | 2085      | 2325      | 2518 3103      | 9454             |                | 13554            | 11793       | 39236         | 48464   | 51410        | 52871   | 52871   | 52871   | 52871   | 52871   | 52871   | 52871   |
| CHHATTISGARH            | 5905      | 8372    | 6579      | 8253      | 12544                  | 16205                  | 18150                  | 19777                  | 3216                                 | 4224                                 | 4110                                 | 4563                                 | 3240      | 4077      | 4450 5378      | 7088             |                | 13023 8805 11080 | 12892       | 31994         | 41684   | 44369        | 50863   | 50863   | 50863   | 50863   | 50863   | 50863   | 50863   |
| DADRA & NAGAR HAVELI    | 15        | 18      | 29        | 23        | 335                    | 307                    | 203                    | 252                    | 33                                   | 40                                   | 52                                   | 65                                   | 85        | 99        | 121 162        | 63               | 89             | 107              | 121         | 531           | 552     | 512          | 623     | 623     | 623     | 623     | 623     | 623     | 623     |
| DAMAN & DIU             | 5         | 12      | 13        | 8         | 462                    | 586                    | 623                    | 582                    | 28                                   | 32                                   | 45                                   | 53                                   | 56        | 62        | 79             | 90               | 52 40          | 48               | 67          | 602           | 732     | 807          | 801     | 801     | 801     | 801     | 801     | 801     | 801     |
| GOA                     | 279       | 355     | 615       | 513       | 2981                   | 2552                   | 3320                   | 2810                   | 1200                                 | 1326                                 | 1509                                 | 1768                                 | 1797      | 2073      | 2347           | 2852             | 2253           | 2780 2820        | 2951        | 8510          | 9085    | 10611        | 10894   | 10894   | 10894   | 10894   | 10894   | 10894   | 10894   |
| GUJARAT                 | 18537     | 21865   | 23933     | 26346     | 108114                 | 126601                 | 146002                 | 161170                 | 8633                                 | 9755                                 | 10884                                | 12207                                | 15163     | 17578     | 21085          | 24614            | 29587          | 36136            | 40392 40434 | 180035        | 211935  | 242295       | 264771  | 264771  | 264771  | 264771  | 264771  | 264771  | 264771  |
| HARYANA                 | 17579     | 19700   | 23880     | 22983     | 38728                  | 41926                  | 40920                  | 45300                  | 6553                                 | 6529                                 | 9653                                 | 9588                                 | 8291      | 9260      | 11504          | 14551            | 27797          | 22167 29113      | 32958       | 98948         | 99582   | 115070       | 125381  | 125381  | 125381  | 125381  | 125381  | 125381  | 125381  |
| HIMACHAL                | 2540      | 2969    |           | 3921      |                        | 5049                   | 4051                   |                        | 1778                                 | 1734                                 | 2605                                 | 2241                                 | 1917      | 2198      | 2552           | 3124             | 3528           | 4116 4137        | 5322        |               |         | 17011        | 19325   | 19325   | 19325   | 19325   | 19325   | 19325   | 19325   |
| PRADESH JAMMU & KASHMIR | 355       | 367     | 3665 434  | 450       | 4574 748               | 914                    | 1121                   | 4716 1151              | 850                                  | 1027                                 | 1329                                 | 1763                                 | 533       | 584       | 624            | 701              | 1298 1710      | 1601             | 1621        | 14336 3785    | 16067   | 4603         |         |         |         |         | 5108    | 5687    |         |
| JHARKHAND               | 2832      |         |           |           | 9152                   | 11523                  |                        |                        |                                      |                                      |                                      |                                      |           |           |                | 6259             | 7358           | 7904             | 8994        | 26591         | 31296   | 32334        |         |         |         |         |         |         |         |
|                         |           | 3325    | 4145      | 4406      |                        |                        | 10363                  | 10175                  | 5821                                 | 6288                                 | 6862                                 | 8081                                 | 2528      | 2801      | 3060           | 3616             |                |                  |             |               |         |              | 35272   | 35272   | 35272   | 35272   | 35272   | 35272   | 35272   |
| KARNATAKA               | 31523     | 35261   | 48298     | 48684     | 83725                  | 93754                  | 104380                 | 111222                 | 16739                                | 18439                                | 19812                                | 24787                                | 30292     | 34189     | 37336          | 49404            | 55645          | 55891            | 57386 61129 | 217925        | 237535  | 267213       | 295226  |         |         |         |         |         |         |
| KERALA                  | 19398     | 24062 6 | 27047     | 35723     | 11823                  | 14824                  | 17485                  | 18677                  | 18770                                | 22772                                | 24243                                | 18803                                | 19430     | 21249 13  | 22108 26542    | 15               | 30962 32250 14 | 31257 34521      | 100384      | 115157        | 61      | 69           | 69      | 69      | 69      | 69      | 69      | 69      | 69      |
| LAKSHADWEEP             | 6         |         | 7         | 6         | 1                      | 0                      | 10                     | 12                     | 21                                   | 28                                   | 29                                   | 32                                   | 11        |           | 6              | 7                |                | 10               | 12          | 54            | 61      |              |         | 134266  |         |         |         |         |         |
| MADHYA PRADESH          | 21521     | 22481   | 29968     | 34224     | 26297                  | 28240                  | 28166                  | 29743                  | 8442                                 | 7885                                 | 11047                                | 12080                                | 9082      | 9664      | 12564 15938    | 17320            |                | 20996 29642      | 32680 89265 | 82664 111387  | 124665  | 124665       | 124665  | 124665  | 124665  | 124665  | 124665  | 124665  | 124665  |
| MAHARASHTRA MANIPUR     | 32038 319 | 48023   | 50558 310 | 56766 263 | 441167                 | 516256 161             | 603089                 | 610227 184             | 24980 490                            | 29904 566                            | 28805 625                            | 31627 732                            | 52417 193 | 63616 208 | 71491 327      | 85234 386921 151 | 422955         | 484307 217       | 253         | 1455          | 1574    | 1080755 1760 | 1295946 | 1295946 | 1295946 | 1295946 | 1295946 | 1295946 | 1295946 |
|                         |           | 324     |           |           | 106                    |                        | 166                    |                        |                                      |                                      |                                      |                                      |           |           | 256            |                  | 196            | 512093           | 937523 1259 |               |         |              |         |         |         |         |         |         |         |
| MEGHALAYA               | 212       | 311     | 305       | 397       | 865                    | 967                    | 1142                   | 1112                   | 767                                  | 846                                  | 955                                  | 1186                                 | 267       | 294       | 336            | 402              | 674            | 625 721          |             | 601           | 2785    | 3042         | 3459    |         |         | 3699    | 3699    | 3699    |         |
|                         |           |         |           |           |                        |                        |                        |                        |                                      |                                      |                                      |                                      |           |           |                | 425              | 198            |                  |             | 280           |         | 1121         | 1991    |         | 2024    |         | 2226    | 2226    |         |
| MIZORAM                 | 134       | 200     | 190       | 182       | 97                     | 75                     | 70                     | 68                     | 224                                  | 257                                  | 287                                  | 326                                  | 405       | 391       | 394            |                  | 170            | 247              |             |               | 1030    | 1188         | 1282    |         |         |         |         |         |         |
| NAGALAND                | 167       | 350     | 212       | 223       | 250                    | 340                    | 321                    | 326                    | 811                                  | 897                                  | 1018                                 | 1185                                 | 128       | 149       | 150            | 176              | 237            | 288              | 290         |               |         | 315          |         |         | 1594    |         |         |         |         |

## Annexure-II

| NCT OF DELHI   | 14879   | 13150   | 17536   |   15839 | 253502   | 304607   | 391072   |   414673 | 15171   | 12327   | 16001   |   13212 | 12965   | 14756   | 17133       | 20443   | 156793   | 165507   | 161782          | 172094       | 453311   | 510347   | 603524   |   636261 |
|----------------|---------|---------|---------|---------|----------|----------|----------|----------|---------|---------|---------|---------|---------|---------|-------------|---------|----------|----------|-----------------|--------------|----------|----------|----------|----------|
| ODISHA         | 7552    | 7857    | 8565    |    8973 | 18280    | 21359    | 20597    |    21381 | 7032    | 7226    | 8110    |    9187 | 4774    | 5185    | 5750        | 6812    | 13281    | 15515    | 16869 17790     | 50918        | 57142    |          | 59890    |    64143 |
| PUDUCHERRY     | 708     | 919     | 1084    |    1205 | 737      | 905      | 993      |     1023 | 648     | 861     | 822     |     850 | 797     | 901     | 1012        | 1084    | 987      | 1048     | 1313            | 1354         | 3877     | 4634     | 5224     |     5516 |
| PUNJAB         | 26045   | 29425   | 37127   |   39154 | 52782    | 59857    | 60999    |    64523 | 7812    | 7579    | 10845   |   10401 | 7671    | 8989    | 10614       | 12351   | 31782    | 27540    | 36506           | 36246        | 126093   | 133389   | 156091   |   162675 |
| RAJASTHAN      | 23232   | 27981   | 35519   |   37661 | 50181    | 64967    | 57698    |    65234 | 8672    | 10043   | 11377   |   13184 | 9434    | 10916   | 12926       | 15913   | 21966    | 25855    | 22586           | 26025        | 113485   | 139762   | 140106   |   158016 |
| SIKKIM         | 46      | 84      | 70      |      72 | 850      | 146      | 102      |      100 | 278     | 285     | 263     |     291 | 439     | 472     | 474         | 501     | 299      | 256      | 297             | 316          | 1911     | 1244     | 1206     |     1280 |
| TAMIL NADU     | 53842   | 66330   | 80664   |   86519 | 142314   | 155295   | 169667   |   170882 | 27086   | 32465   | 35023   |   41947 | 26518   | 29372   | 32987       | 39896   | 73217    | 77018    | 94870           | 94093        | 322977   | 360480   | 413212   |   433337 |
| TELANGANA      |         |         |         |   28053 |          |          |          |   147053 |         |         |         |   21221 |         |         |             | 23570   |          |          |                 | 44411        |          |          |          |   264309 |
| TRIPURA        | 352     | 458     | 513     |     546 | 191      | 242      | 265      |      440 | 423     | 557     | 540     |     645 | 199     | 354     | 282         | 363     | 822      | 939      | 978             | 1069 1988    | 2549     |          | 2577     |     3063 |
| UTTAR PRADESH  | 40253   | 47378   | 57764   |   64689 | 53216    | 69828    | 70458    |    82078 | 16096   | 18796   | 20482   |   22948 | 14194   | 17667   | 20189 24737 |         | 36335    | 63050    | 46662           | 51470 160094 | 216719   |          | 215555   |   245921 |
| UTTARAKHAND    | 3450    | 3836    | 4979    |    5182 | 5283     | 5719     | 5577     |     5976 | 2964    | 3340    | 3899    |    3893 | 2485    | 2768    | 3294        | 4089    | 3622     | 4063     | 4641            | 6143 17804   | 19726    |          | 22391    |    25284 |
| WEST BENGAL    | 15703   | 16982   | 18874   |   18315 | 99757    | 113060   | 132376   |   141412 | 7693    | 9388    | 10339   |    9550 | 12765   | 13768   | 15895       | 18594   | 60042    | 64113    | 64532 68735     | 195960       |          | 217310   | 242016   |   256605 |
| Total          | 417255  | 498874  | 600001  |  636572 | 1580262  | 1842776  | 2096976  |  2210324 | 239591  | 261759  | 294249  |  318674 | 277877  | 318216  | 361861      | 438036  | 1046775  | 1149476  | 1244989 1324706 | 3561759      |          | 4071101  | 4598076  |  4928311 |

Source: RBI

Statement referred to in respect of part (c) of Lok Sabha Unstarred Question No. 2275 for 11.12.2015 raised by Shrimati Bhavana Pundalikrao Gawali Patil and others regarding 'Bank Loans'

## Annexure-III

## State-wise percentage of outstanding advances to Scheduled Castes(SCs) & Scheduled Tribes(ST) out of Priority Sector Advances of Public Sector Banks for the last 3 years

|       |                      | 2012                                  | 2013                                  | 2014                                  |
|-------|----------------------|---------------------------------------|---------------------------------------|---------------------------------------|
| S.No. | STATES               | %of Amount outstanding given to SC/ST | %of Amount outstanding given to SC/ST | %of Amount outstanding given to SC/ST |
| 1     | Andamans             | 3.41                                  | 3.58                                  | 1.71                                  |
| 2     | Andhra Pradesh       | 4.32                                  | 4.43                                  | 4.54                                  |
| 3     | Arunachal Pradesh    | 28.31                                 | 28.93                                 | 30.68                                 |
| 4     | Assam                | 14.00                                 | 8.46                                  | 9.59                                  |
| 5     | Bihar                | 6.03                                  | 6.04                                  | 5.17                                  |
| 6     | Chandigarh           | 1.37                                  | 3.37                                  | 3.29                                  |
| 7     | Chattisgarh          | 10.86                                 | 6.23                                  | 7.61                                  |
| 8     | Dadra & Nagar Haveli | 3.05                                  | 5.21                                  | 7.20                                  |
| 9     | Daman & Diu          | 28.95                                 | 4.11                                  | 4.17                                  |
| 10    | Delhi                | 2.12                                  | 0.99                                  | 1.38                                  |
| 11    | Goa                  | 2.26                                  | 2.99                                  | 2.04                                  |
| 12    | Gujarat              | 6.85                                  | 3.75                                  | 4.02                                  |
| 13    | Haryana              | 2.65                                  | 2.64                                  | 3.26                                  |
| 14    | Himachal Pradesh     | 9.69                                  | 8.19                                  | 9.77                                  |
| 15    | Jammu & Kashmir      | 3.51                                  | 6.18                                  | 9.39                                  |
| 16    | Jharkhand            | 8.42                                  | 7.58                                  | 9.28                                  |
| 17    | Karnataka            | 6.45                                  | 4.55                                  | 3.27                                  |
| 18    | Kerala               | 6.67                                  | 8.37                                  | 5.18                                  |
| 19    | Lakshadweep          | 84.03                                 | 88.94                                 | 1.41                                  |
| 20    | Madhya Pradesh       | 8.73                                  | 5.59                                  | 5.55                                  |

| 21          | Maharashtra     | 5.48   | 3.18   | 3.70   |
|-------------|-----------------|--------|--------|--------|
| 22          | Manipur         | 24.68  | 15.38  | 19.06  |
| 23          | Meghalaya       | 31.33  | 21.81  | 20.89  |
| 24          | Mizoram         | 9.62   | 12.31  | 32.43  |
| 25          | Nagaland        | 18.79  | 24.61  | 7.63   |
| 26          | Orissa          | 14.25  | 5.48   | 7.63   |
| 27          | Puducherry      | 4.02   | 4.46   | 5.41   |
| 28          | Punjab          | 3.91   | 4.68   | 3.79   |
| 29          | Rajasthan       | 9.95   | 9.28   | 10.29  |
| 30          | Sikkim          | 40.98  | 20.21  | 18.44  |
| 31          | Tamil Nadu      | 7.24   | 5.53   | 4.26   |
| 32          | Tripura         | 26.25  | 17.76  | 20.00  |
| 33          | Uttarakhand     | 8.37   | 3.34   | 3.88   |
| 34          | Uttar Pradesh   | 7.15   | 6.09   | 5.37   |
| 35          | West Bengal     | 7.49   | 5.30   | 5.92   |
|             | All India Total | 6.47   | 5.05   | 4.82   |
| Source: RBI |                 |        |        |        |