Lok Sabha Question No. 174 (STARRED), answered on 2015-07-31
Subject: Waiver of Interest under Settlement Scheme
Ministry: FINANCE
Asked by: ARVIND GANPAT SAWANT

Government of India

Ministry of Finance

Department of Financial Services

Lok Sabha

Starred Question No. †*174

**To be answered on  31  July, 2015/  9 Shravana, 1937 (Saka)**

**Waiver of Interest under Settlement Scheme**

**Question**

†*174. SHRI ARVIND SAWANT:

Will the Minister of FINANCE be pleased to state:

(a) the interest waived on crop loans by the Public Sector and Regional Rural Banks during the last three years and the current year, bank and State-wise;

(b) whether the Government has taken note of various malpractices and irregularities including waiving of interest on the basis of fake and forged documents have been reported and if so, the details thereof;

(c) the number of complaints received and action taken against the concerned bank officials during the said period;

(d) the salient features of the guidelines of the Reserve Bank of India (RBI)/ NABARD on the farmer loan waiver scheme; and

(e) the mechanism put in place by the Government to monitor and check such irregularities/malpractices?

**Answer**

The Minister  of Finance

(Shri  Arun Jaitley)

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

**************

**Statement referred to in reply to parts (a) to (e) in Lok Sabha Starred Question No. †*174 for answer on 31 July 2015 regarding Waiver of Interest under Settlement Scheme raised by Shri Arvind Sawant, MP.**

(a): After the Agricultural Debt Waiver and Debt Relief Scheme (ADWDRS), 2008, the Government of India has not issued any instructions to banks for waiver of interest or loans availed by farmers. However, the Government provides interest subvention to make short-term crop loans upto Rs.3 lakh available to farmers at the interest rate of 7% per annum and in case of prompt repayment, the same gets reduced to 4%.

The details of interest waived on crop loans in individual cases by the Regional Rural Banks (RRBs) during the last three years and the current year are given in Annexure-I. As regards Public Sector Banks (PSBs), the data reported by them regarding interest waived on crop loans in individual cases during the last three years and the current year are given in Annexure-II.

(b) & (c): As per the information received from NABARD/PSBs, no instances of malpractices/irregularities/complaints in regard to waiver of interest have been reported in RRBs/PSBs.

(d): As regards One Time Settlement of loans, Reserve Bank of India (RBI) has deregulated the matters related to One Time Settlement (OTS)/Compromise Settlements. Banks are free to engage in OTS/ Compromise Settlements with borrowers as per their Board approved internal policy, their commercial judgment and extant regulatory guidelines. Accordingly, Banks have been advised by RBI to put in place a policy for Non-discretionary OTS scheme for recovery of non-performing loans, duly approved by their Board. Banks have also been advised to give wide publicity to the OTS scheme by placing it on their website and through other possible modes of dissemination. The data regarding OTS/waiver of interest under OTS or compromise settlement by individual banks is not maintained centrally.

(e): If any complaint against any bank regarding violation of guidelines issued by RBI is received, the matter is immediately taken up by Government/RBI with the concerned bank for remedial action.

*****

| **ANNEXURE-I**                                                             |                                        |                                        |                                        |                               |                   |                                |                                |                                                             |         |             |                   |         |         |                 |
|----------------------------------------------------------------------------|----------------------------------------|----------------------------------------|----------------------------------------|-------------------------------|-------------------|--------------------------------|--------------------------------|-------------------------------------------------------------|---------|-------------|-------------------|---------|---------|-----------------|
| **Interest Waived under Settlement Scheme of Regional Rural Banks (RRBs)** |                                        |                                        |                                        |                               |                   |                                |                                |                                                             |         |             |                   |         |         |                 |
|                                                                            |                                        |                                        |                                        |                               |                   |                                |                                |                                                             |         |             | **(Rs.in lakhs)** |         |         |                 |
| **Sr. No.**                                                                | **Name of RRB**                        |                                        |                                        | **State**                     |                   | **Sponsor Bank**               |                                | **Interest waived on Crop Loans settlement scheme of RRBs** |         |             |                   |         |         |                 |
|                                                                            |                                        |                                        |                                        |                               |                   |                                |                                | **2012-13**                                                 |         | **2013-14** | **2014-15**       |         |         | **Apr-June 15** |
| 1                                                                          | Andhra Pradesh GVB                     | Andhra Pradesh GVB                     | Andhra Pradesh GVB                     | Andhra                        | Andhra            | State Bank of India            | State Bank of India            | 2844.54                                                     | 2844.54 | 0.38        | 0.00              | 0.00    | 0.00    | 0.00            |
| 2                                                                          | Andhra Pragathi GB                     | Andhra Pragathi GB                     | Andhra Pragathi GB                     | Andhra                        | Andhra            | Syndicate Bank                 | Syndicate Bank                 | 64.25                                                       | 64.25   | 90.05       | 88.25             | 88.25   | 88.25   | 13.52           |
| 3                                                                          | Chaitanya Godavari GB                  | Chaitanya Godavari GB                  | Chaitanya Godavari GB                  | Andhra                        | Andhra            | Andhra Bank                    | Andhra Bank                    | 1100.23                                                     | 1100.23 | 2806.13     | 2936.18           | 2936.18 | 2936.18 | 0.00            |
| 4                                                                          | Saptagiri Grameena Bank                | Saptagiri Grameena Bank                | Saptagiri Grameena Bank                | Andhra                        | Andhra            | Indian Bank                    | Indian Bank                    | 0.00                                                        | 0.00    | 0.08        | 0.00              | 0.00    | 0.00    | 0.06            |
|                                                                            |                                        |                                        |                                        | **Andhra Pradesh Total**      |                   |                                |                                | **4009.02**                                                 |         | **2896.64** | **3024.43**       |         |         | **13.58**       |
| 5                                                                          | Telangana Graeena Bank                 | Telangana Graeena Bank                 | Telangana Graeena Bank                 | Telangana                     | Telangana         | State Bank of Hyderabad        | State Bank of Hyderabad        | 444.68                                                      | 444.68  | 457.83      | 858.26            | 858.26  | 858.26  | 0.00            |
|                                                                            |                                        |                                        |                                        | **Telangana Total**           |                   |                                |                                | **444.68**                                                  |         | **457.83**  | **858.26**        |         |         | **0.00**        |
| 6                                                                          | Arunachal Pradesh Rural Bank           | Arunachal Pradesh Rural Bank           | Arunachal Pradesh Rural Bank           | Arunachal Pradesh             | Arunachal Pradesh | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Arunachal Pradesh Total**   |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.00**          |         |         | **0.00**        |
| 7                                                                          | Assam Gramin  Vikash Bank              | Assam Gramin  Vikash Bank              | Assam Gramin  Vikash Bank              | Assam                         | Assam             | United Bank of India           | United Bank of India           | 0.06                                                        | 0.06    | 0.00        | 0.00              | 0.00    | 0.00    | 0.11            |
| 8                                                                          | Langpi Dehangi Gramin Bank             | Langpi Dehangi Gramin Bank             | Langpi Dehangi Gramin Bank             | Assam                         | Assam             | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Assam Total**               |                   |                                |                                | **0.06**                                                    |         | **0.00**    | **0.00**          |         |         | **0.11**        |
| 9                                                                          | Bihar Gramin Bank                      | Bihar Gramin Bank                      | Bihar Gramin Bank                      | Bihar                         | Bihar             | UCO Bank                       | UCO Bank                       | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
| 10                                                                         | Madhya Bihar Gramin Bank               | Madhya Bihar Gramin Bank               | Madhya Bihar Gramin Bank               | Bihar                         | Bihar             | Punjab National Bank           | Punjab National Bank           | 8.36                                                        | 8.36    | 7.45        | 11.03             | 11.03   | 11.03   | 2.36            |
| 11                                                                         | Uttar Bihar Gramin Bank                | Uttar Bihar Gramin Bank                | Uttar Bihar Gramin Bank                | Bihar                         | Bihar             | Central Bank of India          | Central Bank of India          | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Bihar Total**               |                   |                                |                                | **8.36**                                                    |         | **7.45**    | **11.03**         |         |         | **2.36**        |
| 12                                                                         | Chhattisgarh Rajya Gramin Bank         | Chhattisgarh Rajya Gramin Bank         | Chhattisgarh Rajya Gramin Bank         | Chhattisgarh                  | Chhattisgarh      | State Bank of India            | State Bank of India            | 12.30                                                       | 12.30   | 22.29       | 18.18             | 18.18   | 18.18   | 1.52            |
|                                                                            |                                        |                                        |                                        | **Chhattisgarh Total**        |                   |                                |                                | **12.30**                                                   |         | **22.29**   | **18.18**         |         |         | **1.52**        |
| 13                                                                         | Baroda Gujarat Gramin Bank             | Baroda Gujarat Gramin Bank             | Baroda Gujarat Gramin Bank             | Gujarat                       | Gujarat           | Bank of Baroda                 | Bank of Baroda                 | 0.00                                                        | 0.00    | 9.40        | 27.35             | 27.35   | 27.35   | 0.00            |
| 14                                                                         | Dena Gujarat Gramin Bank               | Dena Gujarat Gramin Bank               | Dena Gujarat Gramin Bank               | Gujarat                       | Gujarat           | Dena Bank                      | Dena Bank                      | 21.10                                                       | 21.10   | 0.08        | 24.23             | 24.23   | 24.23   | 0.00            |
| 15                                                                         | Saurashtra Gramin Bank                 | Saurashtra Gramin Bank                 | Saurashtra Gramin Bank                 | Gujarat                       | Gujarat           | State Bank of India            | State Bank of India            | 0.68                                                        | 0.68    | 4.63        | 5.04              | 5.04    | 5.04    | 3.95            |
|                                                                            |                                        |                                        |                                        | **Gujarat Total**             |                   |                                |                                | **21.78**                                                   |         | **14.11**   | **56.62**         |         |         | **3.95**        |
| 16                                                                         | Sarva Haryana Gramin Bank              | Sarva Haryana Gramin Bank              | Sarva Haryana Gramin Bank              | Haryana                       | Haryana           | Punjab National Bank           | Punjab National Bank           | 25.35                                                       | 25.35   | 167.45      | 187.96            | 187.96  | 187.96  | 76.85           |
|                                                                            |                                        |                                        |                                        | **Haryana Total**             |                   |                                |                                | **25.35**                                                   |         | **167.45**  | **187.96**        |         |         | **76.85**       |
| 17                                                                         | Himachal  Pradesh Gramin Bank          | Himachal  Pradesh Gramin Bank          | Himachal  Pradesh Gramin Bank          | Himachal Pradesh              | Himachal Pradesh  | Punjab National Bank           | Punjab National Bank           | 1.28                                                        | 1.28    | 0.87        | 0.63              | 0.63    | 0.63    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Himachal Pradesh Total**    |                   |                                |                                | **1.28**                                                    |         | **0.87**    | **0.63**          |         |         | **0.00**        |
| 18                                                                         | Ellaquai Dehati Bank                   | Ellaquai Dehati Bank                   | Ellaquai Dehati Bank                   | Jammu & Kashmir               | Jammu & Kashmir   | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
| 19                                                                         | Jammu & Kashmir Grameen Bank           | Jammu & Kashmir Grameen Bank           | Jammu & Kashmir Grameen Bank           | Jammu & Kashmir               | Jammu & Kashmir   | Jammu & Kashmir Bank           | Jammu & Kashmir Bank           | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Jammu & Kashmir Total** |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.00**          |         |         | **0.00**        |
| 20                                                                         | Jharkhand Gramin Bank                  | Jharkhand Gramin Bank                  | Jharkhand Gramin Bank                  | Jharkhand                     | Jharkhand         | Bank of India                  | Bank of India                  | 2.81                                                        | 2.81    | 6.46        | 17.68             | 17.68   | 17.68   | 0.00            |
| 21                                                                         | Vananchal Gramin Bank                  | Vananchal Gramin Bank                  | Vananchal Gramin Bank                  | Jharkhand                     | Jharkhand         | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Jharkhand Total**           |                   |                                |                                | **2.81**                                                    |         | **6.46**    | **17.68**         |         |         | **0.00**        |
| 22                                                                         | Kaveri Grameena Bank                   | Kaveri Grameena Bank                   | Kaveri Grameena Bank                   | Karnataka                     | Karnataka         | State Bank of Mysore           | State Bank of Mysore           | 3.85                                                        | 3.85    | 29.29       | 55.44             | 55.44   | 55.44   | 14.22           |
| 23                                                                         | Karnataka Vikas Grameena Bank          | Karnataka Vikas Grameena Bank          | Karnataka Vikas Grameena Bank          | Karnataka                     | Karnataka         | Syndicate Bank                 | Syndicate Bank                 | 206.15                                                      | 206.15  | 251.67      | 274.98            | 274.98  | 274.98  | 12.37           |
| 24                                                                         | Pragathi Krishna Gramin Bank           | Pragathi Krishna Gramin Bank           | Pragathi Krishna Gramin Bank           | Karnataka                     | Karnataka         | Canara Bank                    | Canara Bank                    | 509.00                                                      | 509.00  | 1141.00     | 4852.00           | 4852.00 | 4852.00 | 110.00          |
|                                                                            |                                        |                                        |                                        | **Karnataka Total**           |                   |                                |                                | **719.00**                                                  |         | **1421.96** | **5182.42**       |         |         | **136.59**      |
| 25                                                                         | Kerala Gramin Bank                     | Kerala Gramin Bank                     | Kerala Gramin Bank                     | Kerala                        | Kerala            | Canara Bank                    | Canara Bank                    | 28.00                                                       | 28.00   | 59.00       | 112.00            | 112.00  | 112.00  | 11.00           |
|                                                                            |                                        |                                        |                                        | **Kerala Total**              |                   |                                |                                | **28.00**                                                   |         | **59.00**   | **112.00**        |         |         | **11.00**       |
| 26                                                                         | Narmada Jhabua Gramin Bank             | Narmada Jhabua Gramin Bank             | Narmada Jhabua Gramin Bank             | Madhya Pradesh                | Madhya Pradesh    | Bank of India                  | Bank of India                  | 3.19                                                        | 3.19    | 4.17        | 18.39             | 18.39   | 18.39   | 0.00            |
| 27                                                                         | Madhyanchal gramin Bank                | Madhyanchal gramin Bank                | Madhyanchal gramin Bank                | Madhya Pradesh                | Madhya Pradesh    | State Bank of India            | State Bank of India            | 7.00                                                        | 7.00    | 4.00        | 27.00             | 27.00   | 27.00   | 3.00            |
| 28                                                                         | Central Madhya Pradesh Gramin Bank     | Central Madhya Pradesh Gramin Bank     | Central Madhya Pradesh Gramin Bank     | Madhya Pradesh                | Madhya Pradesh    | Central Bank of India          | Central Bank of India          | 18.54                                                       | 18.54   | 17.26       | 27.47             | 27.47   | 27.47   | 2.63            |
|                                                                            |                                        |                                        |                                        | **Madhya Pradesh Total**      |                   |                                |                                | **28.73**                                                   |         | **25.43**   | **72.86**         |         |         | **5.63**        |
| 29                                                                         | Maharashtra Gramin Bank                | Maharashtra Gramin Bank                | Maharashtra Gramin Bank                | Maharashtra                   | Maharashtra       | Bank of Maharashtra            | Bank of Maharashtra            | 0.00                                                        | 0.00    | 0.78        | 0.00              | 0.00    | 0.00    | 0.37            |
| 30                                                                         | Vidharbha Konkan Gramin Bank           | Vidharbha Konkan Gramin Bank           | Vidharbha Konkan Gramin Bank           | Maharashtra                   | Maharashtra       | Bank of India                  | Bank of India                  | 10.65                                                       | 10.65   | 9.90        | 9.07              | 9.07    | 9.07    | 0.78            |
|                                                                            |                                        |                                        |                                        | **Maharashtra Total**         |                   |                                |                                | **10.65**                                                   |         | **10.68**   | **9.07**          |         |         | **1.15**        |
| 31                                                                         | Manipur Rural Bank                     | Manipur Rural Bank                     | Manipur Rural Bank                     | Manipur                       | Manipur           | United Bank Of India           | United Bank Of India           | 0.00                                                        | 0.00    | 0.37        | 3.63              | 3.63    | 3.63    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Manipur Total**             |                   |                                |                                | **0.00**                                                    |         | **0.37**    | **3.63**          |         |         | **0.00**        |
| 32                                                                         | Meghalaya Rural Bank                   | Meghalaya Rural Bank                   | Meghalaya Rural Bank                   | Meghalaya                     | Meghalaya         | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Meghalaya Total**           |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.00**          |         |         | **0.00**        |
| 33                                                                         | Mizoram Rural Bank                     | Mizoram Rural Bank                     | Mizoram Rural Bank                     | Mizoram                       | Mizoram           | State Bank of India            | State Bank of India            | 14.19                                                       | 14.19   | 12.70       | 9.62              | 9.62    | 9.62    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Mizoram Total**             |                   |                                |                                | **14.19**                                                   |         | **12.70**   | **9.62**          |         |         | **0.00**        |
| 34                                                                         | Nagaland Rural Bank                    | Nagaland Rural Bank                    | Nagaland Rural Bank                    | Nagaland                      | Nagaland          | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.22              | 0.22    | 0.22    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Nagaland Total**            |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.22**          |         |         | **0.00**        |
| 35                                                                         | Odisha Gramya Bank                     | Odisha Gramya Bank                     | Odisha Gramya Bank                     | Odisha                        | Odisha            | Indian Overseas Bank           | Indian Overseas Bank           | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
| 36                                                                         | Utkal Grameen Bank                     | Utkal Grameen Bank                     | Utkal Grameen Bank                     | Odisha                        | Odisha            | State Bank of India            | State Bank of India            | 0.59                                                        | 0.59    | 0.97        | 110.38            | 110.38  | 110.38  | 0.31            |
|                                                                            |                                        |                                        |                                        | **Odisha Total**              |                   |                                |                                | **0.59**                                                    |         | **0.97**    | **110.38**        |         |         | **0.31**        |
| 37                                                                         | Puduvai Bharathiar Grama Bank          | Puduvai Bharathiar Grama Bank          | Puduvai Bharathiar Grama Bank          | Puducherry                    | Puducherry        | Indian Bank                    | Indian Bank                    | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Puducherry Total**          |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.00**          |         |         | **0.00**        |
| 38                                                                         | Malwa Gramin Bank                      | Malwa Gramin Bank                      | Malwa Gramin Bank                      | Punjab                        | Punjab            | State Bank of Patialia         | State Bank of Patialia         | 0.27                                                        | 0.27    | 1.48        | 7.82              | 7.82    | 7.82    | 5.14            |
| 39                                                                         | Punjab Gramin Bank                     | Punjab Gramin Bank                     | Punjab Gramin Bank                     | Punjab                        | Punjab            | Punjab National Bank           | Punjab National Bank           | 54.45                                                       | 54.45   | 63.64       | 58.44             | 58.44   | 58.44   | 3.45            |
| 40                                                                         | Sutlej Gramin Bank                     | Sutlej Gramin Bank                     | Sutlej Gramin Bank                     | Punjab                        | Punjab            | Punjab & Sind Bank             | Punjab & Sind Bank             | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Punjab Total**              |                   |                                |                                | **54.72**                                                   |         | **65.12**   | **66.26**         |         |         | **8.59**        |
| 41                                                                         | Baroda Rajasthan Kshetriya Gramin Bank | Baroda Rajasthan Kshetriya Gramin Bank | Baroda Rajasthan Kshetriya Gramin Bank | Rajasthan                     | Rajasthan         | Bank of Baroda                 | Bank of Baroda                 | 98.19                                                       | 98.19   | 495.75      | 558.99            | 558.99  | 558.99  | 82.55           |
| 42                                                                         | Rajasthan Marudhara Gramin Bank        | Rajasthan Marudhara Gramin Bank        | Rajasthan Marudhara Gramin Bank        | Rajasthan                     | Rajasthan         | State Bank of Bikaner & Jaipur | State Bank of Bikaner & Jaipur | 0.00                                                        | 0.00    | 4.25        | 27.04             | 27.04   | 27.04   | 1.93            |
|                                                                            |                                        |                                        |                                        | **Rajasthan Total**           |                   |                                |                                | **98.19**                                                   |         | **500.00**  | **586.03**        |         |         | **84.48**       |
| 43                                                                         | Pallavan Grama Bank                    | Pallavan Grama Bank                    | Pallavan Grama Bank                    | Tamil Nadu                    | Tamil Nadu        | Indian Bank                    | Indian Bank                    | 13.42                                                       | 13.42   | 17.62       | 28.10             | 28.10   | 28.10   | 1.33            |
| 44                                                                         | Pandyan Grama Bank                     | Pandyan Grama Bank                     | Pandyan Grama Bank                     | Tamil Nadu                    | Tamil Nadu        | Indian Overseas Bank           | Indian Overseas Bank           | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Tamil Nadu Total**          |                   |                                |                                | **13.42**                                                   |         | **17.62**   | **28.10**         |         |         | **1.33**        |
| 45                                                                         | Tripura Gramin Bank                    | Tripura Gramin Bank                    | Tripura Gramin Bank                    | Tripura                       | Tripura           | United Bank Of India           | United Bank Of India           | 9.73                                                        | 9.73    | 5.91        | 9.63              | 9.63    | 9.63    | 7.76            |
|                                                                            |                                        |                                        |                                        | **Tripura Total**             |                   |                                |                                | **9.73**                                                    |         | **5.91**    | **9.63**          |         |         | **7.76**        |
| 46                                                                         | Allahabad UP Gramin Bank               | Allahabad UP Gramin Bank               | Allahabad UP Gramin Bank               | Uttar Pradesh                 | Uttar Pradesh     | Allahabad Bank                 | Allahabad Bank                 | 9.10                                                        | 9.10    | 18.75       | 19.15             | 19.15   | 19.15   | 0.06            |
| 47                                                                         | Gramin Bank of Aryavart                | Gramin Bank of Aryavart                | Gramin Bank of Aryavart                | Uttar Pradesh                 | Uttar Pradesh     | Bank of India                  | Bank of India                  | 0.00                                                        | 0.00    | 0.00        | 21.27             | 21.27   | 21.27   | 1.39            |
| 48                                                                         | Baroda Uttar Pradesh Gramin Bank       | Baroda Uttar Pradesh Gramin Bank       | Baroda Uttar Pradesh Gramin Bank       | Uttar Pradesh                 | Uttar Pradesh     | Bank of Baroda                 | Bank of Baroda                 | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
| 49                                                                         | Kashi Gomati Samyut Gramin Bank        | Kashi Gomati Samyut Gramin Bank        | Kashi Gomati Samyut Gramin Bank        | Uttar Pradesh                 | Uttar Pradesh     | Union Bank Of India            | Union Bank Of India            | 2040.00                                                     | 2040.00 | 1465.00     | 2732.00           | 2732.00 | 2732.00 | 210.00          |
| 50                                                                         | Prathama Gramin Bank                   | Prathama Gramin Bank                   | Prathama Gramin Bank                   | Uttar Pradesh                 | Uttar Pradesh     | Syndicate Bank                 | Syndicate Bank                 | 155.80                                                      | 155.80  | 267.51      | 562.07            | 562.07  | 562.07  | 36.20           |
| 51                                                                         | Purvanchal  Bank                       | Purvanchal  Bank                       | Purvanchal  Bank                       | Uttar Pradesh                 | Uttar Pradesh     | State Bank of India            | State Bank of India            | 131.00                                                      | 131.00  | 214.00      | 193.00            | 193.00  | 193.00  | 0.11            |
| 52                                                                         | Sarva UP Gramin Bank                   | Sarva UP Gramin Bank                   | Sarva UP Gramin Bank                   | Uttar Pradesh                 | Uttar Pradesh     | Punjab National Bank           | Punjab National Bank           | 6.93                                                        | 6.93    | 18.94       | 43.07             | 43.07   | 43.07   | 4.20            |
|                                                                            |                                        |                                        |                                        | **Uttar Pradesh Total**       |                   |                                |                                | **2342.83**                                                 |         | **1984.20** | **3570.56**       |         |         | **251.96**      |
| 53                                                                         | Uttarakhand Gramin Bank                | Uttarakhand Gramin Bank                | Uttarakhand Gramin Bank                | Uttarakhand                   | Uttarakhand       | State Bank of India            | State Bank of India            | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
|                                                                            |                                        |                                        |                                        | **Uttarakhand Total**         |                   |                                |                                | **0.00**                                                    |         | **0.00**    | **0.00**          |         |         | **0.00**        |
| 54                                                                         | Bangiya Gramin Vikash Bank             | Bangiya Gramin Vikash Bank             | Bangiya Gramin Vikash Bank             | West Bengal                   | West Bengal       | United Bank of India           | United Bank of India           | 28.13                                                       | 28.13   | 26.74       | 163.02            | 163.02  | 163.02  | 4.03            |
| 55                                                                         | Paschim Banga Gramin Bank              | Paschim Banga Gramin Bank              | Paschim Banga Gramin Bank              | West Bengal                   | West Bengal       | UCO Bank                       | UCO Bank                       | 0.00                                                        | 0.00    | 0.00        | 0.00              | 0.00    | 0.00    | 0.00            |
| 56                                                                         | Uttarbanga Kshetriya Gramin Bank       | Uttarbanga Kshetriya Gramin Bank       | Uttarbanga Kshetriya Gramin Bank       | West Bengal                   | West Bengal       | Central Bank of India          | Central Bank of India          | 0.66                                                        | 0.66    | 9.66        | 42.75             | 42.75   | 42.75   | 2.08            |
|                                                                            |                                        |                                        |                                        | **West Bengal Total**         |                   |                                |                                | **28.79**                                                   |         | **36.40**   | **205.77**        |         |         | **6.11**        |
|                                                                            |                                        |                                        |                                        | **Grand Total**               |                   |                                |                                | **7874.48**                                                 |         | **7713.46** | **14141.34**      |         |         | **613.28**      |
|                                                                            | **Source: NABARD**                     |                                        |                                        |                               |                   |                                |                                |                                                             |         |             |                   |         |         |                 |
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