Lok Sabha Question No. 2403 (UNSTARRED), answered on 2016-03-11
Subject: Home Loan to North Eastern States
Ministry: FINANCE
Asked by: SUNIL KUMAR MONDAL

## 2403. SHRI SUNIL KUMAR MONDAL:

Will the Minister of FINANCE be pleased to state

- (a) whether the public/private sector banks are providing home loans to their customers in North Eastern States;
- (b) if so, the details thereof;
- (c) whether the Government has any proposal to open more bank branches for the said areas and if so, the details thereof; and
- (d) the steps taken/being taken by the Government in this regard?

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

## LOK SABHA UNSTARRED QUESTION NO. 2403 TO BE ANSWERED ON THE 11 th  MARCH, 2016 / PHALGUNA 21, 1937 (SAKA)

Home Loan to North Eastern States

## Answer

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

a) & (b): Yes, Madam. Details of the banks group-wise home loan to North Eastern States during the last three years is at Annex.

c) & (d): To promote the objective of financial inclusion and to enhance the penetration of banking in rural and semi urban area, general approval has been granted by Reserve Bank of India (RBI) to omestic Scheduled Commericial Banks (other than Regional Rural Banks) to open branches in Tier 2 to Tier 6 centres (with population upto 99,999) and in rural, semi-urban and urban centres in Northastern States and Sikkim without having the need to take permission from RBI in each case, subject to reporting.

As on 30/09/2015, 3562 bank branches have been opened in North Eastern States, including Sikkim.

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## Bank group-wise Home Loan to North Eastern States

## ANNEXURE

(Amount in ` Crore)

|                                        |                   | March, 2015    | March, 2015        | March, 2014    | March, 2014        | March, 2013    | March, 2013        |
|----------------------------------------|-------------------|----------------|--------------------|----------------|--------------------|----------------|--------------------|
| Bank-group                             | State             | No. of Account | Amount Outstanding | No. of Account | Amount Outstanding | No. of Account | Amount Outstanding |
| STATE BANK OF INDIA AND ITS ASSOCIATES | ASSAM             | 39,298         | 1,952.42           | 50,711         | 2,657.83           | 37,736         | 1,351.36           |
|                                        | MEGHALAYA         | 5,546          | 322.60             | 5,769          | 271.47             | 5,087          | 233.70             |
|                                        | MIZORAM           | 10,878         | 384.27             | 10,647         | 366.41             | 10,878         | 367.02             |
|                                        | ARUNACHAL PRADESH | 1,147          | 82.00              | 1,139          | 63.35              | 1,170          | 55.02              |
|                                        | NAGALAND          | 2,152          | 96.57              | 2,260          | 97.37              | 2,323          | 93.29              |
|                                        | MANIPUR           | 1,968          | 109.05             | 2,729          | 85.80              | 3,038          | 74.48              |
|                                        | TRIPURA           | 4,005          | 189.17             | 3,491          | 152.73             | 4,695          | 248.01             |
| NATIONALISED BANKS                     | ASSAM             | 25,744         | 1,611.63           | 23,461         | 1,270.01           | 26,417         | 1,087.67           |
|                                        | MEGHALAYA         | 1,128          | 79.32              | 1,103          | 64.71              | 1,162          | 59.90              |
|                                        | MIZORAM           | 733            | 40.36              | 676            | 27.92              | 607            | 23.58              |
|                                        | ARUNACHAL PRADESH | 223            | 24.19              | 181            | 15.44              | 219            | 14.16              |
|                                        | NAGALAND          | 938            | 79.26              | 630            | 52.78              | 1,010          | 56.02              |
|                                        | MANIPUR           | 4,104          | 218.34             | 3,669          | 170.34             | 3,811          | 133.64             |
|                                        | TRIPURA           | 3,066          | 173.86             | 2,829          | 128.93             | 2,791          | 105.61             |
| REGIONAL RURAL BANKS                   | ASSAM             | 11,047         | 322.50             | 9,858          | 244.06             | 10,616         | 238.23             |
|                                        | MEGHALAYA         | 742            | 56.87              |                | 0.00               |                | 0.00               |
|                                        | MIZORAM           | 3,995          | 188.46             | 6,714          | 245.43             | 4,119          | 159.64             |
|                                        | ARUNACHAL PRADESH | 32             | 3.14               | 3              | 0.69               |                | 0.00               |
|                                        | NAGALAND          | 21             | 0.53               | 19             | 0.40               |                | 0.00               |
|                                        | MANIPUR           | 270            | 9.79               | 316            | 9.20               | 371            | 9.61               |
|                                        | TRIPURA           | 29,503         | 578.41             | 21,774         | 489.32             | 19,179         | 465.72             |
| PRIVATE SECTOR BANKS                   | ASSAM             | 1,875          | 238.99             | 1,501          | 183.75             | 1,581          | 116.61             |
|                                        | MEGHALAYA         | 89             | 3.16               | 42             | 2.16               | 40             | 2.56               |
|                                        | MIZORAM           | 7              | 0.58               | 5              | 0.65               | 5              | 0.33               |
|                                        | ARUNACHAL PRADESH | 23             | 0.37               | 6              | 0.31               | 21             | 0.50               |
|                                        | NAGALAND          | 26             | 3.05               | 21             | 2.86               | 21             | 2.65               |
|                                        | MANIPUR           | 92             | 2.68               | 61             | 1.64               | 9              | 0.78               |

|           | TRIPURA   | 39       | 0.96     | 12       | 0.57     | 43       | 0.75     |
|-----------|-----------|----------|----------|----------|----------|----------|----------|
| All Banks | TOTAL     | 1,48,691 | 6,772.52 | 1,49,627 | 6,606.11 | 1,36,949 | 4,900.84 |

Source: Reserve Bank of India