Lok Sabha Question No. 430 (STARRED), answered on 2026-03-23
Subject: Waiver of Agricultural Loans
Ministry: FINANCE
Asked by: Shri Hanuman Beniwal

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

## LOK SABHA STARRED QUESTION NO. *430

ANSWERED ON MONDAY, 23 MARCH, 2026/ CHAITRA 02, 1948 (SAKA)

## Waiver of Agricultural Loans

## † *430. SHRI HANUMAN BENIWAL:

- Will the Minister of FINANCE be pleased to state: (a) whether the Government has any data of the outstanding agricultural loans of farmers in various categories of banks across the country including Rajasthan, if so, the details thereof; (b) the details of the increase in agricultural loan of farmers during the last three years, Statewise; and (c) whether the Government proposes to formulate any scheme for the complete loan waiver of farmers in order to strengthen their economic condition in the country, if so, the details
- thereof and if not, the reasons therefor?

## THE FINANCE MINISTER

(SMT. NIRMALA SITHARAMAN)

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

*****

## ANSWER

STATEMENT REFERRED TO IN REPLY TO PARTS (a) to (c) OF LOK SABHA STARRED QUESTION NO. *430 ANSWERED ON 23 rd MARCH, 2026, REGARDING  'WAIVER  OF  AGRICULTURAL  LOANS'  BY  SHRI  HANUMAN BENIWAL, HON'BLE MEMBER OF PARLIAMENT

(a) and (b) As reported by National Bank for Agriculture and Rural Development (NABARD), the details of State/UT-wise, bank group-wise outstanding agricultural loans to farmers across the  country  including  the  State  of  Rajasthan,  as  on  31  December  2025,  is  furnished  at Annexure-I.  The  total  agricultural  credit  disbursement  to  farmers  across  the  country  has increased with a Compound Annual Growth Rate (CAGR) of 15% during financial year 202223 to 2024-25. The State/UT-wise details of disbursement of agriculture credit for financial year 2022-23 to 2024-25 is provided at Annexure-II.

(c)   No proposal related to formulation of scheme for complete loan waiver of farmers is under consideration with the Union Government. However, Government has taken several measures to strengthen the economic conditions of the farmers which inter-alia includes the following:

-  Timely and adequate credit through Kisan Credit Card (KCC) under which crop loan up  to  ₹3  lakh  is  provided  at  subsidized  interest  rates  under  the  Modified  Interest Subvention Scheme (MISS) with additional incentives for timely repayment
-  Fixation of progressively increased agricultural credit target every year
-  Ensuring adequate flow of credit from the banking system to the priority sectors of the economy, including  agriculture,  under  Priority  Sector  Lending  guidelines  issued  by Reserve Bank of India (RBI)
-  Enhancing  collateral  free  short-term  agricultural  loans,  including  loans  for  allied activities, from Rs.1.60 lakh to Rs.2.00 lakh
-  Crop  insurance  through  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY),  direct  cash transfer to landholding farmers through Pradhan Mantri Kisan Samman Nidhi (PMKISAN) etc.

*****

Annexure-I Annexure referred to in part (a) and (b) of Lok Sabha Starred Question no. *430 on  'Waiver of Agricultural Loans' answered on 23.03.2026 Details of State/UT-wise, bank group-wise outstanding agricultural loans to farmers as on 31

December 2025 (provisional data)

(Amount in Rs Crore)

|   Sl.No. | State/UT                  | Scheduled Commercial Banks   | Regional Rural Banks   | Rural Cooperative Banks   |
|----------|---------------------------|------------------------------|------------------------|---------------------------|
|        1 | A and N ISLAND            | 438                          | -                      | 21                        |
|        2 | ANDHRA PRADESH            | 2,85,380                     | 55,013                 | 34,861                    |
|        3 | ARUNACHAL PRADESH         | 518                          | -                      | -                         |
|        4 | ASSAM                     | 16,744                       | 5,172                  | 226                       |
|        5 | BIHAR                     | 58,468                       | 24,425                 | 7,427                     |
|        6 | CHANDIGARH                | 2,808                        | -                      | 0                         |
|        7 | CHHATTISGARH              | 24,511                       | 3,598                  | 5,934                     |
|        8 | D &NHAVELI and DAMAN &DIU | 259                          | -                      | 19                        |
|        9 | DELHI                     | 29,472                       | -                      | 0                         |
|       10 | GOA                       | 1,641                        | -                      | 224                       |
|       11 | GUJARAT                   | 1,10,877                     | 13,345                 | 44,239                    |
|       12 | HARYANA                   | 71,483                       | 11,967                 | 15,054                    |
|       13 | HIMACHAL PRADESH          | 9,415                        | 1,929                  | 3,404                     |
|       14 | JAMMU and KASHMIR         | 13,330                       | 1,472                  | 22                        |
|       15 | JHARKHAND                 | 17,618                       | 2,949                  | 60                        |
|       16 | KARNATAKA                 | 1,80,145                     | -                      | 30,100                    |
|       17 | KERALA                    | 1,27,460                     | 21,795                 | 11,768                    |
|       18 | LADAKH                    | 467                          | 12                     | 15                        |
|       19 | LAKSHADWEEP               | 53                           | -                      | -                         |
|       20 | MADHYA PRADESH            | 1,29,428                     | 12,141                 | 29,189                    |
|       21 | MAHARASHTRA               | 2,49,900                     | 10,488                 | 46,906                    |
|       22 | MANIPUR                   | 981                          | 130                    | 181                       |
|       23 | MEGHALAYA                 | 643                          | 463                    | 185                       |
|       24 | MIZORAM                   | 229                          | 898                    | 511                       |
|       25 | NAGALAND                  | 609                          | 18                     | 235                       |
|       26 | ODISHA                    | 49,027                       | 8,338                  | 22,332                    |
|       27 | PUDUCHERRY                | 6,623                        | 1,648                  | 6                         |
|       28 | PUNJAB                    | 83,057                       | 8,790                  | 8,475                     |
|       29 | RAJASTHAN                 | 1,44,192                     | 30,069                 | 18,032                    |
|       30 | SIKKIM                    | 360                          | -                      | 41                        |
|       31 | TAMILNADU                 | 4,56,718                     | 26,997                 | 22,576                    |
|       32 | TELANGANA                 | 1,31,703                     | 26,541                 | 17,717                    |
|       33 | TRIPURA                   | 1,825                        | 1,079                  | 1,858                     |
|       34 | UTTAR PRADESH             | 1,69,112                     | 60,985                 | -                         |
|       35 | UTTARAKHAND               | 13,045                       | 771                    | 2,611                     |
|       36 | WEST BENGAL               | 73,365                       | 10,851                 | 6,791                     |

Source : Data submitted by Banks in ENSURE portal of NABARD

Annexure-II Annexure referred to in part (a) and (b) of Lok Sabha Starred Question no. *430 on 'Waiver of Agricultural Loans' answered on 23.03.2026 Details  of  State/UT-wise  disbursement of  agriculture  credit  for  financial  year  2022-23  to

## 2024-25

|   Sl.No. | State/UT                  | FY 2022-23   | FY 2023-24   | FY 2024-25   |
|----------|---------------------------|--------------|--------------|--------------|
|        1 | A and N ISLAND            | 402          | 437          | 476          |
|        2 | ANDHRA PRADESH            | 2,39,188     | 3,00,497     | 3,27,037     |
|        3 | ARUNACHAL PRADESH         | 637          | 950          | 1,213        |
|        4 | ASSAM                     | 9,062        | 11,564       | 14,514       |
|        5 | BIHAR                     | 52,994       | 70,321       | 66,492       |
|        6 | CHANDIGARH                | 1,635        | 1,938        | 2,287        |
|        7 | CHHATTISGARH              | 29,266       | 33,838       | 37,154       |
|        8 | D &NHAVELI and DAMAN &DIU | 342          | 393          | 383          |
|        9 | DELHI                     | 19,350       | 24,157       | 29,317       |
|       10 | GOA                       | 1,905        | 2,429        | 14,492       |
|       11 | GUJARAT                   | 1,20,529     | 1,41,161     | 1,63,965     |
|       12 | HARYANA                   | 81,805       | 89,396       | 99,222       |
|       13 | HIMACHAL PRADESH          | 11,003       | 11,628       | 14,426       |
|       14 | JAMMU and KASHMIR         | 13,152       | 12,624       | 17,841       |
|       15 | JHARKHAND                 | 12,171       | 22,109       | 16,553       |
|       16 | KARNATAKA                 | 1,72,470     | 2,07,615     | 2,31,295     |
|       17 | KERALA                    | 1,40,236     | 1,60,468     | 1,77,510     |
|       18 | LADAKH                    | 334          | 352          | 420          |
|       19 | LAKSHADWEEP               | 23           | 62           | 40           |
|       20 | MADHYA PRADESH            | 1,00,076     | 1,16,397     | 1,33,121     |
|       21 | MAHARASHTRA               | 1,50,532     | 1,68,547     | 2,01,867     |
|       22 | MANIPUR                   | 645          | 649          | 842          |
|       23 | MEGHALAYA                 | 404          | 478          | 554          |
|       24 | MIZORAM                   | 309          | 427          | 1,715        |
|       25 | NAGALAND                  | 340          | 412          | 553          |
|       26 | ODISHA                    | 47,749       | 60,365       | 80,673       |
|       27 | PUDUCHERRY                | 5,574        | 7,066        | 8,183        |
|       28 | PUNJAB                    | 90,798       | 95,687       | 1,00,544     |
|       29 | RAJASTHAN                 | 1,41,612     | 1,53,593     | 1,68,545     |
|       30 | SIKKIM                    | 340          | 405          | 3,016        |
|       31 | TAMILNADU                 | 3,75,747     | 4,52,384     | 4,83,678     |
|       32 | TELANGANA                 | 1,09,798     | 1,39,703     | 1,64,908     |
|       33 | TRIPURA                   | 1,670        | 2,175        | 2,971        |
|       34 | UTTAR PRADESH             | 1,51,452     | 1,71,390     | 1,96,225     |
|       35 | UTTARAKHAND               | 11,244       | 12,674       | 15,779       |
|       36 | WEST BENGAL               | 60,369       | 74,343       | 89,070       |

Source : Data submitted by Banks in ENSURE portal of NABARD