Lok Sabha Question No. 638 (UNSTARRED), answered on 2016-02-26
Subject: Non Performing Assets
Ministry: FINANCE
Asked by: RAJEEV SHANKARRAO SATAV, CHARANJEET SINGH RORI, DHANANJAY BHIMRAO MAHADIK, SHASHI THAROOR, SUSHIL KUMAR SINGH, SRINIVAS KESINENI, HEENA VIJAYKUMAR GAVIT, P. KARUNAKARAN, KIRTI (JHA) AZAD, G. HARI, VIJAYSINH MOHITE PATIL, LAXMAN GILUWA, CHANDRAKANT BHAURAO KHAIRE, JYOTIRADITYA MADHAVRAO SCINDIA, BALASUBRAMANIAM SENGUTTUVAN, ELUMALAI VELLAIGOUNDER, AJAY (TENI) MISRA, ASHOK MAHADEORAO NETE, K. MARAGATHAM, R. VANAROJA, RAMA DEVI, RAVNEET SINGH, JASVANTSINH SUMANBHAI BHABHOR, PONNUSAMY VENUGOPAL, T. RADHAKRISHNAN

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

## LOK SABHA UNSTARRED QUESTION NO 638 TO BE ANSWERED ON THE 26 th FEBRUARY, 2016 / PHALGUNA 7, 1937 (SAKA)

## NON PERFORMING ASSETS

638. SHRI SATAV RAJEEV SHRI CHARANJEET SINGH RORI SHRI DHANANJAY MAHADIK DR. SHASHI THAROOR SHRI SUSHIL KUMAR SINGH SHRI KESINENI NANI DR. HEENA VIJAYKUMAR GAVIT SHRI P. KARUNAKARAN SHRI KIRTI AZAD SHRI G. HARI SHRI LAXMAN GILUWA SHRI JASVANTSINH SUMANBHAI BHABHOR SHRI MOHITE PATIL VIJAYSINH SHANKARRAO

## Will the Minister of FINANCE be pleased to state:

- (a) whether the Non-Performing Assets (NPAs) of the public and Private Sector Banks (PSBs) are on the rise and if so, the details thereof during each of the last three years and the current year, bank-wise;
- (b) whether the Government has any proposal of setting up of a 'bad bank'-one that will absorb NPAs of PSBs and if so, the details thereof along with the time by which the said bank will be set up;
- (c) the details of defaulters whose bad loans of 100 crore or more were recovered/ waived off by PSBs during the said period, bank and State-wise;
- (d) whether the Government has urged upon PSBs to take action against top 50 loan defaulters, especially high end loan defaulters and if so, the details thereof; and
- (e) the other remedial measures taken/ being taken by the Government/Reserve Bank of India to contain NPAs of banks?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI JAYANT SINHA)

(a): The details of Non-Performing Assets (NPAs) of the Public Sector Banks (PSBs) and Private Sector banks during each of the last three years and the current year, bank-wise as per Annex I.

(b): There is no such proposal with the Government.

(c): The details of defaulters whose bad loans of 100 crore or more were recovered/ waived off by PSBs during the said period, bank-wise is as per Annex-II

(d) & (e): Banks extend credit to customers based on a contract. A debt contract is one where the borrower raises money with the promise to repay interest and principal according to specified schedule. If the borrower does not meet his promise, he is in default. The default could be for genuine reasons or volitional or fraudulent. To check the incidence of default and facilitate recovery of loans, the Government has instituted legal mechanisms like Debt Recovery Tribunals (DRTs) and SARFAESI Act. Reserve Bank of India (RBI), as the regulator, has inter alia taken the following steps vide circulars issued from time to time (available on RBI website):

To have a board approved loan / recovery policy, putting in place effective mechanism for information sharing among banks for sanction of loans and early detection of signs of distress, Issuance of guidelines regarding early recognition of financial distress, prompt steps for resolution and fair recovery for lenders including creation of a central repository of information on large credits (CRILC) to collect, store and disseminate credit data on credit exposure of Rs. 5 crore and above, Formation of Joint Lenders' Forum (JLF) and Corrective Action Plan (CAP) for speedy resolution, Strategic Debt Restructuring (SDR) scheme enabling change in ownership of borrowing entities, Stipulation of timelines/stage-wise action in the loan life cycle to compress the total time taken by a bank to identify a fraud and aid more effective action by the law enforcement agencies, Guidelines on willful defaulters to disincentivize borrowers who have money and do not pay have been issued, restricting additional facilities to such defaulters, in cases of siphoning of amount, barring of borrowers from institutional finance and criminal action.

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

SHRI JYOTIRADITYA M. SCINDIA SHRI B. SENGUTTUVAN SHRI V. ELUMALAI SHRI AJAY MISRA TENI SHRI ASHOK MAHADEORAO NETE SHRIMATI K. MARAGATHAM SHRIMATI VANAROJA R SHRIMATI RAMA DEVI SHRI RAVNEET SINGH SHRI CHANDRAKANT KHAIRE SHRI T. RADHAKRISHNAN

DR. P. VENUGOPAL

| ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   | ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   | ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   | ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   | ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   | ANNEX I TO LS USQ NO. 638 GROSS NPAs OF PUBLIC ABD PRIVATE SECTOR BANKS DURING THE LAST THREE YEARS AND   |
|-----------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|
|                                                                                                           |                                                                                                           | GROSS NPAs                                                                                                | GROSS NPAs                                                                                                | GROSS NPAs                                                                                                | GROSS NPAs                                                                                                |
| SR. NO.                                                                                                   | BANKS                                                                                                     | Mar-13                                                                                                    | Mar-14                                                                                                    | Mar-15                                                                                                    | Dec-15                                                                                                    |
| 1                                                                                                         | Allahabad Bank                                                                                            | 4,962                                                                                                     | 7,961                                                                                                     | 8,274                                                                                                     | 8,073                                                                                                     |
| 2                                                                                                         | Andhra Bank                                                                                               | 3,714                                                                                                     | 5,858                                                                                                     | 6,877                                                                                                     | 9,051                                                                                                     |
| 3                                                                                                         | Bank of Baroda                                                                                            | 6,551                                                                                                     | 9,894                                                                                                     | 13,921                                                                                                    | 27,354                                                                                                    |
| 4                                                                                                         | Bank of India                                                                                             | 7,152                                                                                                     | 10,274                                                                                                    | 20,245                                                                                                    | 32,995                                                                                                    |
| 5                                                                                                         | Bank of Maharashtra                                                                                       | 1,138                                                                                                     | 2,860                                                                                                     | 6,402                                                                                                     | 9,429                                                                                                     |
| 6                                                                                                         | Bharatiya Mahila Bank Ltd.                                                                                |                                                                                                           | 0                                                                                                         | 0                                                                                                         | 1                                                                                                         |
| 7                                                                                                         | Canara Bank                                                                                               | 5,786                                                                                                     | 7,371                                                                                                     | 12,490                                                                                                    | 14,872                                                                                                    |
| 8                                                                                                         | Central Bank of India                                                                                     | 8,456                                                                                                     | 11,500                                                                                                    | 11,873                                                                                                    | 17,648                                                                                                    |
| 9                                                                                                         | Corporation Bank                                                                                          | 2,048                                                                                                     | 4,737                                                                                                     | 7,107                                                                                                     | 9,760                                                                                                     |
| 10                                                                                                        | Dena Bank                                                                                                 | 1,452                                                                                                     | 2,616                                                                                                     | 4,393                                                                                                     | 7,673                                                                                                     |
| 11                                                                                                        | IDBI Bank Limited                                                                                         | 6,450                                                                                                     | 9,949                                                                                                     | 12,654                                                                                                    | 16,732                                                                                                    |
| 12                                                                                                        | Indian Bank                                                                                               | 3,255                                                                                                     | 4,284                                                                                                     | 5,366                                                                                                     | 5,599                                                                                                     |
| 13                                                                                                        | Indian Overseas Bank                                                                                      | 5,621                                                                                                     | 7,838                                                                                                     | 13,153                                                                                                    | 19,053                                                                                                    |
| 14                                                                                                        | Oriental Bank of Commerce                                                                                 | 4,184                                                                                                     | 5,618                                                                                                     | 7,666                                                                                                     | 10,031                                                                                                    |
| 15                                                                                                        | Punjab & Sind Bank                                                                                        | 1,537                                                                                                     | 2,554                                                                                                     | 3,082                                                                                                     | 3,391                                                                                                     |
| 16                                                                                                        | Punjab National Bank                                                                                      | 13,255                                                                                                    | 18,611                                                                                                    | 25,318                                                                                                    | 26,561                                                                                                    |
| 17                                                                                                        | Syndicate Bank                                                                                            | 2,816                                                                                                     | 4,264                                                                                                     | 5,904                                                                                                     | 7,481                                                                                                     |
| 18                                                                                                        | UCO Bank                                                                                                  | 6,905                                                                                                     | 6,275                                                                                                     | 9,782                                                                                                     | 15,481                                                                                                    |
| 19                                                                                                        | Union Bank of India                                                                                       | 6,143                                                                                                     | 9,142                                                                                                     | 12,672                                                                                                    | 16,098                                                                                                    |
| 20                                                                                                        | United Bank of India                                                                                      | 2,964                                                                                                     | 7,118                                                                                                     | 6,553                                                                                                     | 6,112                                                                                                     |
| 21                                                                                                        | Vijaya Bank                                                                                               | 1,533                                                                                                     | 1,986                                                                                                     | 2,443                                                                                                     | 4,012                                                                                                     |
| 22                                                                                                        | State Bank of Bikaner & Jaipur                                                                            | 2,119                                                                                                     | 2,733                                                                                                     | 2,945                                                                                                     | 3,079                                                                                                     |
| 23                                                                                                        | State Bank of Hyderabad                                                                                   | 3,186                                                                                                     | 5,824                                                                                                     | 4,985                                                                                                     | 5,832                                                                                                     |
| 24                                                                                                        | State Bank of India                                                                                       | 48,378                                                                                                    | 57,819                                                                                                    | 54,107                                                                                                    | 72,871                                                                                                    |
| 25                                                                                                        | State Bank of Mysore                                                                                      | 2,081                                                                                                     | 2,819                                                                                                     | 2,136                                                                                                     | 2,915                                                                                                     |
| 26                                                                                                        | State Bank of Patiala                                                                                     | 2,453                                                                                                     | 3,758                                                                                                     | 4,360                                                                                                     | 5,789                                                                                                     |
| 27                                                                                                        | State Bank of Travancore                                                                                  | 1,750                                                                                                     | 3,077                                                                                                     | 2,357                                                                                                     | 2,384                                                                                                     |
| 28                                                                                                        | PUBLIC SECTOR BANKS Catholic Syrian Bank Ltd.                                                             | 1,55,890 211                                                                                              | 2,16,739 334                                                                                              | 2,67,065 475                                                                                              | 3,60,277 434                                                                                              |
| 29                                                                                                        | City Union Bank Ltd.                                                                                      | 173                                                                                                       | 293                                                                                                       | 336                                                                                                       | 467                                                                                                       |
| 30                                                                                                        | Dhanlaxmi Bank Limited                                                                                    | 380                                                                                                       | 486                                                                                                       | 558                                                                                                       | 625                                                                                                       |
| 31                                                                                                        | Federal Bank Ltd.                                                                                         | 1,554                                                                                                     | 1,087                                                                                                     | 1,058                                                                                                     | 1,684                                                                                                     |
| 32                                                                                                        | ING Vysya Bank Ltd.                                                                                       | 121                                                                                                       | 263                                                                                                       | 745                                                                                                       | 0                                                                                                         |
| 33                                                                                                        | Jammu & Kashmir Bank Ltd.                                                                                 | 644                                                                                                       | 783                                                                                                       | 2,764                                                                                                     | 3,323                                                                                                     |
| 34                                                                                                        | Karnataka Bank Ltd.                                                                                       | 639                                                                                                       | 836                                                                                                       | 944                                                                                                       | 1,187                                                                                                     |
| 35                                                                                                        | Karur Vysya Bank Ltd.                                                                                     | 286                                                                                                       | 279                                                                                                       | 678                                                                                                       | 721                                                                                                       |
| 36                                                                                                        | Lakshmi Vilas Bank Ltd.                                                                                   | 460                                                                                                       | 546                                                                                                       | 455                                                                                                       | 332                                                                                                       |
| 37                                                                                                        | Nainital Bank Ltd.                                                                                        | 67                                                                                                        | 61                                                                                                        | 77                                                                                                        | 94                                                                                                        |
| 38                                                                                                        | Ratnakar Bank Ltd.                                                                                        | 26                                                                                                        | 78                                                                                                        | 111                                                                                                       | 199                                                                                                       |
| 39                                                                                                        | South Indian Bank Ltd.                                                                                    | 434                                                                                                       | 433                                                                                                       | 643                                                                                                       | 1,108                                                                                                     |
| 40                                                                                                        | Tamilnad Mercantile Bank Ltd.                                                                             | 214                                                                                                       | 428                                                                                                       | 319                                                                                                       | 476                                                                                                       |
| 41                                                                                                        | Axis Bank Ltd.                                                                                            | 2,152                                                                                                     | 2,760                                                                                                     | 3,615                                                                                                     | 4,998                                                                                                     |
| 42                                                                                                        | Bandhan Bank Ltd.                                                                                         |                                                                                                           |                                                                                                           |                                                                                                           | 11                                                                                                        |
| 43                                                                                                        | DCB Bank Ltd                                                                                              | 215                                                                                                       | 138                                                                                                       | 186                                                                                                       | 235                                                                                                       |
| 44                                                                                                        | HDFC Bank Ltd.                                                                                            | 2,048                                                                                                     | 2,738                                                                                                     | 3,108                                                                                                     | 3,982                                                                                                     |
| 45                                                                                                        | ICICI Bank Ltd.                                                                                           | 9,051                                                                                                     | 9,339                                                                                                     | 13,390                                                                                                    | 14,462                                                                                                    |
| 46                                                                                                        | IndusInd Bank Ltd.                                                                                        | 458                                                                                                       | 621                                                                                                       | 563                                                                                                       | 681                                                                                                       |
| 47                                                                                                        | Kotak Mahindra Bank Ltd.                                                                                  | 758                                                                                                       | 1,059                                                                                                     | 1,237                                                                                                     | 2,690                                                                                                     |
|                                                                                                           | Yes Bank Ltd                                                                                              | 94                                                                                                        | 175                                                                                                       | 313                                                                                                       | 687                                                                                                       |
| 48                                                                                                        | PRIVATE SECTOR BANKS                                                                                      | 19,986                                                                                                    | 22,738                                                                                                    | 31,576                                                                                                    | 38,396                                                                                                    |

Source: RBI

| ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   | ANNEX II TO LS USQ NO. 638 DETAILS OF DEFAULTERS WHOSE BAD LOANS OF 100 CRORE OR MORE WERE RECOVERED/WAIVED OFF BY PSBs DURING THE LAST THREE YEARS (AMT IN RS. CRORE)   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                          | BANK                                                                                                                                                                     | BANK                                                                                                                                                                     | BANK                                                                                                                                                                     | BANK                                                                                                                                                                     | WAIVER                                                                                                                                                                   | WAIVER                                                                                                                                                                   | WAIVER                                                                                                                                                                   | WAIVER                                                                                                                                                                   |
|                                                                                                                                                                          | 2012-13                                                                                                                                                                  | 2013-14                                                                                                                                                                  | 2014-15                                                                                                                                                                  | AS ON DEC 2015                                                                                                                                                           | 2012-13                                                                                                                                                                  | 2013-14                                                                                                                                                                  | 2014-15                                                                                                                                                                  | AS ON DEC 2015                                                                                                                                                           |
| Allahabad Bank                                                                                                                                                           | 0.24                                                                                                                                                                     | 24.80                                                                                                                                                                    | 1007.04                                                                                                                                                                  | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Andhra Bank                                                                                                                                                              | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 669.72                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 108.58                                                                                                                                                                   | 0.00                                                                                                                                                                     |
| Bank of Baroda                                                                                                                                                           | 1.23                                                                                                                                                                     | 63.62                                                                                                                                                                    | 131.00                                                                                                                                                                   | 58.34                                                                                                                                                                    | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Bank of India                                                                                                                                                            | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Bank of Maharashtra                                                                                                                                                      | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Canara Bank                                                                                                                                                              | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Central Bank of India                                                                                                                                                    | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 174.89                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Corporation Bank                                                                                                                                                         | 0.00                                                                                                                                                                     | 19.79                                                                                                                                                                    | 19.20                                                                                                                                                                    | 67.67                                                                                                                                                                    | 196.01                                                                                                                                                                   | 209.01                                                                                                                                                                   | 218.00                                                                                                                                                                   | 1046.03                                                                                                                                                                  |
| Dena Bank                                                                                                                                                                | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| IDBI Bank Limited                                                                                                                                                        | 0.25                                                                                                                                                                     | 220.69                                                                                                                                                                   | 249.98                                                                                                                                                                   | 94.11                                                                                                                                                                    | 0.00                                                                                                                                                                     | 204.10                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Indian Bank                                                                                                                                                              | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 114.62                                                                                                                                                                   | 4.40                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 529.78                                                                                                                                                                   | 367.18                                                                                                                                                                   |
| Indian Overseas Bank                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Oriental Bank of Commerce                                                                                                                                                | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Punjab & Sind Bank                                                                                                                                                       | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Punjab National Bank                                                                                                                                                     | 0.00                                                                                                                                                                     | 127.28                                                                                                                                                                   | 119.87                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Syndicate Bank                                                                                                                                                           | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 325.03                                                                                                                                                                   |
| UCO Bank                                                                                                                                                                 | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Union Bank of India                                                                                                                                                      | 0.01                                                                                                                                                                     | 0.25                                                                                                                                                                     | 19.10                                                                                                                                                                    | 62.73                                                                                                                                                                    | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| United Bank of India                                                                                                                                                     | 0.00                                                                                                                                                                     | 73.58                                                                                                                                                                    | 292.19                                                                                                                                                                   | 4.13                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| Vijaya Bank                                                                                                                                                              | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 288.95                                                                                                                                                                   | 0.00                                                                                                                                                                     |
| Nationalised Banks                                                                                                                                                       | 1.73                                                                                                                                                                     | 530.01                                                                                                                                                                   | 2797.61                                                                                                                                                                  | 291.38                                                                                                                                                                   | 196.01                                                                                                                                                                   | 413.11                                                                                                                                                                   | 1145.31                                                                                                                                                                  | 1738.24                                                                                                                                                                  |
| State Bank of Bikaner & Jaipur                                                                                                                                           | 0.00                                                                                                                                                                     | 73.00                                                                                                                                                                    | 107.00                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| State Bank of Hyderabad                                                                                                                                                  | 120.00                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| State Bank of India                                                                                                                                                      | 0.00                                                                                                                                                                     | 108.00                                                                                                                                                                   | 467.00                                                                                                                                                                   | 61.00                                                                                                                                                                    | 0.00                                                                                                                                                                     | 946.00                                                                                                                                                                   | 2163.00                                                                                                                                                                  | 548.00                                                                                                                                                                   |
| State Bank of Mysore                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 182.42                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |
| State Bank of Patiala                                                                                                                                                    | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00 0.00                                                                                                                                                                |
| State Bank of Travancore                                                                                                                                                 | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 218.16                                                                                                                                                                   | 284.16                                                                                                                                                                   | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     | 0.00                                                                                                                                                                     |                                                                                                                                                                          |
| SBI Group                                                                                                                                                                | 120.00                                                                                                                                                                   | 181.00                                                                                                                                                                   | 756.42                                                                                                                                                                   | 61.00                                                                                                                                                                    | 0.00                                                                                                                                                                     | 946.00                                                                                                                                                                   | 2163.00                                                                                                                                                                  |                                                                                                                                                                          |
| PUBLIC SECTOR BANKS                                                                                                                                                      | 121.73                                                                                                                                                                   | 711.01                                                                                                                                                                   | 3554.03                                                                                                                                                                  | 352.38                                                                                                                                                                   | 196.01                                                                                                                                                                   | 1359.11                                                                                                                                                                  |                                                                                                                                                                          | 548.00                                                                                                                                                                   |
|                                                                                                                                                                          |                                                                                                                                                                          |                                                                                                                                                                          |                                                                                                                                                                          |                                                                                                                                                                          |                                                                                                                                                                          |                                                                                                                                                                          | 3308.31                                                                                                                                                                  | 2286.24                                                                                                                                                                  |

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