Lok Sabha Question No. 3288 (UNSTARRED), answered on 2026-03-12
Subject: Credit Accessibility Hurdles and Collateral Demands by Banks
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Ms Iqra Choudhary, Shri Pushpendra Saroj, Adv Priya Saroj

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 3288 TO BE ANSWERED ON: 12.03.2026

## CREDIT ACCESSIBILITY HURDLES AND COLLATERAL DEMANDS BY BANKS

3288.

SHRI PUSHPENDRA SAROJ: MS IQRA CHOUDHARY: ADV PRIYA SAROJ:

Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:

- (a) whether the Government has reviewed the implementation of collateral-free lending norms under schemes in Uttar Pradesh, in view of complaints that Public Sector Banks continue to insist on additional collateral  or  third-party  guarantees  from  micro  and  small  entrepreneurs  and  if  so,  the  steps  taken  to resolve the issue;
- (b) the  total  number  and  percentage  of  MSME  loan  applications  approved,  pending  and  rejected during  the  last  five  years  under  various  schemes,  along  with  the  primary  reasons  recorded  for  such rejections, State-wise and district-wise, particularly for Uttar Pradesh:
- (c) whether  any  audit  or  inspection  has  been  conducted  to  assess  deviation  from  collateral-free lending guidelines and if so, the details thereof; and
- (d) the corrective measures proposed to ensure uniform enforcement of credit guarantee norms and improve credit access for rural and first-generation entrepreneurs in the State?

## ANSWER

## MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SUSHRI SHOBHA KARANDLAJE)

(a) to (d): The Government provides loans to eligible Micro and Small Enterprises (MSEs) without collateral security under schemes such as the Credit Guarantee Scheme (CGS) for MSEs, Pradhan Mantri Mudra  Yojana  (PMMY)  and  Prime  Minister's  Employment  Generation  Programme  (PMEGP).As informed  by  Department  of  Financial  Services  (DFS),  the  progress  of  collateral-free  lending  under various  schemes of  Government  of  India  is  periodically  reviewed  in  State  Level  Bankers'  Committee (SLBC) meetings and in District Consultative Committee/District Level Review Committee (DCC/DLRC) meetings. Banks are regularly advised to adhere to the guidelines issued by the Reserve Bank of India and the Government of India.

As per RBI data, the State-wise credit outstanding to the MSME sector by Scheduled Commercial Banks (SCBs) during the last five financial years is provided at Annexure I . As reported by SLBC Uttar Pradesh, District-wise data for credit outstanding to the MSME sector is provided at Annexure II .

The Government has taken various measures to ensure uniform enforcement of credit guarantee norms and to improve credit access for MSMEs, including rural and first-generation entrepreneurs across the country, including Uttar Pradesh, which inter-alia includes:

- i. Ministry  of  MSME  implements  Credit  Guarantee  Scheme  (CGS)  for  MSEs  through  Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to provide credit guarantee for loans extended to new as well as existing MSEs by Member Lending Institutions without collateral security  and  third-party  guarantee.  The  ceiling  for  guarantee  coverage  is  Rs.  10  crore  under  the scheme. CGTMSE has approved credit guarantees worth Rs. 6.13 lakh crore for MSEs in the past three years, compared to Rs. 3.22 lakh crore over the previous twenty-two years, indicating that loans  sanctioned  under  the  scheme  have  registered  a  quantum  jump  in  last  three  years.  Since inception  in  2000,  till  28.02.2026,  a  total  of  19.27  lakh  guarantees  amounting  to  Rs.  1.38  lakh crore have been extended to MSEs in Uttar Pradesh.
- ii. Self-Reliant  India  (SRI)  Fund  has  been  set  up  to  infuse  Rs.  50,000  crore  as  equity  funding  in MSMEs with a provision of Rs. 10,000 crore from the Government of India and Rs. 40,000 crore through  Private  Equity/Venture  Capital  Funds.  Since  inception  in  2021  till  28.02.2026,  731 MSMEs have  been  assisted  by  way  of  investing  more  than  Rs.  17,438Crore,  out  of  which  23 MSMEs have been assisted in Uttar Pradesh.
- iii. Prime Minister's Employment Generation Programme provides Margin Money subsidy up to 35%, for setting up of new micro enterprises, in the non-farm sector with project cost of Rs. 50 lakh for Manufacturing and Rs. 20 lakh for Services enterprises. Since inception till 28.02.2026, 10.76 lakh micro units have been assisted by way of margin money subsidy amounting to Rs. 29,389.86 crore, out of which 1.14 lakh micro units in Uttar Pradesh have been assisted by way of margin money subsidy of Rs. 3,911.15 crore.
- iv. PM Vishwakarma Scheme was launched on 17.09.2023 to provide end-to-end holistic support to artisans and craftspeople of 18 traditional trades who work with their hands and tools. The Scheme includes  provision  of  loans  up  to  Rs.  3  lakh  with  interest  subvention  of  max  up  to  8%.  Since inception, a total of 4.82 lakh loan accounts have been disbursed amounting to Rs. 3,992.43 crore, out of which 13,229 loan accounts have been disbursed amounting to Rs. 114.02 crore in Uttar Pradesh.
- v. As informed by RBI, in terms of para 4.1 (a) of RBI Master Direction - Lending to Micro, Small & Medium Enterprises (MSME) Sector dated July 24, 2017, all Scheduled Commercial Banks are mandated not to accept collateral security in the case of loans up to Rs.10 lakh extended to units in the MSE sector. As per RBI circular dated  9 th February 2026 , this limit stands increased to Rs 20 Lakh from 1 st April , 2026.
- vi. Further, Ministry of MSME, through its field offices, regularly organizes outreach programmes in coordination with MSME/ Industry Departments of States/UTs concerned and other stakeholders like  CGTMSE,  SIDBI,  Banks,  MSME  Associations  etc.,  to  enhance  credit  availability  among MSMEs in the country, including Uttar Pradesh.

*****

Annexure I

Annexure referred in Lok Sabha Unstarred Question No. 3288 on 'Credit Accessibility Hurdles and Collateral Demands by Banks 'due for reply on 12.03.2026.

| State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   | State Wise data on Credit outstanding to MSMEsector by Scheduled Commercial Banks   |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| S. No.                                                                              | State Name                                                                          | Total March                                                                         | Total March                                                                         | MSMEs as on 31, 2021 Total March                                                    | MSMEs as on 31, 2021 Total March                                                    | MSMEs as on 31, 2022 Total MSMEs March 31,                                          | MSMEs as on 31, 2022 Total MSMEs March 31,                                          | (Accounts in lakh; Total MSMEs as on March 31, 2024                                 | (Accounts in lakh; Total MSMEs as on March 31, 2024                                 | Amount in Rs in crore) Total MSMEs as on March 31, 2025                             | Amount in Rs in crore) Total MSMEs as on March 31, 2025                             |
| S. No.                                                                              | State Name                                                                          | No. of A/cs                                                                         | Amount outstanding                                                                  | No. of A/cs                                                                         | Amount outstanding                                                                  | No. of A/cs                                                                         | Amount outstanding                                                                  | No. of A/cs                                                                         | Amount outstanding                                                                  | No. of A/cs                                                                         | Amount outstanding                                                                  |
| 1                                                                                   | Andaman & Nicobar                                                                   | 0.08                                                                                | 786.59                                                                              | 0.07                                                                                | 769.05                                                                              | 0.06                                                                                | 914.82                                                                              | 0.08                                                                                | 989.97                                                                              | 0.07                                                                                | 1031.14                                                                             |
| 2                                                                                   | Andhra Pradesh                                                                      | 13.80                                                                               | 62878.79                                                                            | 13.26                                                                               | 71877.26                                                                            | 12.16                                                                               | 83162.34                                                                            | 12.06                                                                               | 101085.90                                                                           | 9.67                                                                                | 107816.24                                                                           |
| 3                                                                                   | Arunachal Pradesh                                                                   | 0.18                                                                                | 906.96                                                                              | 0.18                                                                                | 1014.15                                                                             | 0.16                                                                                | 1091.71                                                                             | 0.12                                                                                | 1514.76                                                                             | 0.14                                                                                | 2125.10                                                                             |
| 4                                                                                   | Assam                                                                               | 17.86                                                                               | 22698.71                                                                            | 5.94                                                                                | 20837.48                                                                            | 4.62                                                                                | 24120.24                                                                            | 3.57                                                                                | 28729.48                                                                            | 3.66                                                                                | 33829.83                                                                            |
| 5                                                                                   | Bihar                                                                               | 25.16                                                                               | 33303.92                                                                            | 10.62                                                                               | 34002.47                                                                            | 8.80                                                                                | 40029.60                                                                            | 12.35                                                                               | 51766.42                                                                            | 11.94                                                                               | 63666.35                                                                            |
| 6                                                                                   | Chandigarh                                                                          | 0.51                                                                                | 9729.48                                                                             | 0.41                                                                                | 11968.00                                                                            | 0.40                                                                                | 12605.26                                                                            | 0.47                                                                                | 14634.23                                                                            | 0.44                                                                                | 16688.12                                                                            |
| 7                                                                                   | Chhattisgarh                                                                        | 7.42                                                                                | 25988.89                                                                            | 4.43                                                                                | 31919.39                                                                            | 3.63                                                                                | 36423.07                                                                            | 3.94                                                                                | 43694.34                                                                            | 4.17                                                                                | 51263.49                                                                            |
| 8                                                                                   | Dadra& Nagar Haveli                                                                 | 0.11                                                                                | 1186.64                                                                             | 0.06                                                                                | 1160.42                                                                             | 0.05                                                                                | 1356.75                                                                             | 0.10                                                                                | 2345.29                                                                             | 0.10                                                                                | 2822.84                                                                             |
| 9                                                                                   | Daman &Diu                                                                          | 0.03                                                                                | 361.80                                                                              | 0.03                                                                                | 674.50                                                                              | 0.02                                                                                | 699.97                                                                              | 6.95                                                                                | 179638.00                                                                           | 5.50                                                                                | 192991.45                                                                           |
| 10                                                                                  | Delhi                                                                               | 8.14                                                                                | 108796.40                                                                           | 4.29                                                                                | 130604.29                                                                           | 6.02                                                                                | 139553.03                                                                           | 0.56                                                                                | 7350.41                                                                             | 0.49                                                                                | 8312.40                                                                             |
| 11                                                                                  | Goa                                                                                 | 0.87                                                                                | 5578.65                                                                             | 0.68                                                                                | 5700.10                                                                             | 0.56                                                                                | 6126.68                                                                             | 11.90                                                                               | 251504.11                                                                           | 13.58                                                                               | 295170.89                                                                           |
| 12                                                                                  | Gujarat                                                                             | 14.63                                                                               | 146872.76                                                                           | 10.29                                                                               | 185075.74                                                                           | 8.73                                                                                | 211808.82                                                                           | 6.75                                                                                | 122258.78                                                                           | 6.79                                                                                | 147569.05                                                                           |
| 13                                                                                  | Haryana                                                                             | 8.64                                                                                | 62457.67                                                                            | 6.57                                                                                | 80103.24                                                                            | 4.78                                                                                | 97119.95                                                                            | 1.52                                                                                | 16147.28                                                                            | 1.48                                                                                | 18912.60                                                                            |
| 14                                                                                  | Himachal Pradesh                                                                    | 1.83                                                                                | 9830.08                                                                             | 1.64                                                                                | 11665.19                                                                            | 1.47                                                                                | 13683.43                                                                            | 3.86                                                                                | 24036.19                                                                            | 3.87                                                                                | 24595.20                                                                            |
| 15                                                                                  | Jammu& Kashmir                                                                      | 3.90                                                                                | 16354.21                                                                            | 4.15                                                                                | 16694.63                                                                            | 2.10                                                                                | 16502.48                                                                            | 6.16                                                                                | 34398.89                                                                            | 5.50                                                                                | 39846.34                                                                            |
| 16                                                                                  | Jharkhand                                                                           | 13.49                                                                               | 23839.56                                                                            | 6.71                                                                                | 26257.14                                                                            | 5.46                                                                                | 29732.02                                                                            | 16.07                                                                               | 165082.73                                                                           | 15.76                                                                               | 188130.94                                                                           |
| 17                                                                                  | Karnataka                                                                           | 24.32                                                                               | 106007.59                                                                           | 15.48                                                                               | 126575.65                                                                           | 12.83                                                                               | 140027.83                                                                           | 11.32                                                                               | 85221.33                                                                            | 7.48                                                                                | 99818.56                                                                            |
| 18                                                                                  | Kerala                                                                              | 15.46                                                                               | 60200.80                                                                            | 14.49                                                                               | 67543.53                                                                            | 11.18                                                                               | 76807.52                                                                            | 0.09                                                                                | 745.13                                                                              | 0.11                                                                                | 1098.13                                                                             |

| 19                                                                                                             | Lakshadweep                                                                                                    | 0.02                                                                                                           | 22.65                                                                                                          | 0.01                                                                                                           | 25.93                                                                                                          | 0.01                                                                                                           | 32.46                                                                                                          | 0.01                                                                                                           | 625.99                                                                                                         | 0.01                                                                                                           | 24.52                                                                                                          |
|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|
| 20                                                                                                             | Madhya Pradesh                                                                                                 | 23.68                                                                                                          | 63009.09                                                                                                       | 15.85                                                                                                          | 72347.61                                                                                                       | 13.14                                                                                                          | 83396.88                                                                                                       | 15.14                                                                                                          | 101220.23                                                                                                      | 15.31                                                                                                          | 117419.47                                                                                                      |
| 21                                                                                                             | Maharashtra                                                                                                    | 39.94                                                                                                          | 352894.81                                                                                                      | 26.91                                                                                                          | 339446.16                                                                                                      | 21.86                                                                                                          | 380301.18                                                                                                      | 29.81                                                                                                          | 425437.84                                                                                                      | 28.67                                                                                                          | 457979.43                                                                                                      |
| 22                                                                                                             | Manipur                                                                                                        | 0.89                                                                                                           | 1153.81                                                                                                        | 0.45                                                                                                           | 1159.81                                                                                                        | 0.31                                                                                                           | 1429.85                                                                                                        | 0.37                                                                                                           | 1534.83                                                                                                        | 0.35                                                                                                           | 1691.62                                                                                                        |
| 23                                                                                                             | Meghalaya                                                                                                      | 0.53                                                                                                           | 1237.84                                                                                                        | 0.25                                                                                                           | 1334.84                                                                                                        | 0.17                                                                                                           | 1467.25                                                                                                        | 0.21                                                                                                           | 1834.20                                                                                                        | 0.25                                                                                                           | 2272.20                                                                                                        |
| 24                                                                                                             | Mizoram                                                                                                        | 0.29                                                                                                           | 697.14                                                                                                         | 0.15                                                                                                           | 705.42                                                                                                         | 0.12                                                                                                           | 735.25                                                                                                         | 0.12                                                                                                           | 851.34                                                                                                         | 0.13                                                                                                           | 970.88                                                                                                         |
| 25                                                                                                             | Nagaland                                                                                                       | 0.44                                                                                                           | 863.59                                                                                                         | 0.17                                                                                                           | 880.93                                                                                                         | 0.16                                                                                                           | 1059.01                                                                                                        | 0.22                                                                                                           | 1268.83                                                                                                        | 0.25                                                                                                           | 1476.94                                                                                                        |
| 26                                                                                                             | Odisha                                                                                                         | 20.89                                                                                                          | 36311.11                                                                                                       | 12.03                                                                                                          | 39905.15                                                                                                       | 8.92                                                                                                           | 45128.43                                                                                                       | 8.82                                                                                                           | 53516.04                                                                                                       | 7.45                                                                                                           | 62994.99                                                                                                       |
| 27                                                                                                             | Puducherry                                                                                                     | 1.17                                                                                                           | 3192.45                                                                                                        | 0.92                                                                                                           | 3456.85                                                                                                        | 0.59                                                                                                           | 3986.93                                                                                                        | 0.49                                                                                                           | 4082.11                                                                                                        | 0.51                                                                                                           | 4733.69                                                                                                        |
| 28                                                                                                             | Punjab                                                                                                         | 9.71                                                                                                           | 59272.69                                                                                                       | 7.38                                                                                                           | 70967.23                                                                                                       | 5.36                                                                                                           | 80893.45                                                                                                       | 6.48                                                                                                           | 96611.66                                                                                                       | 6.12                                                                                                           | 107259.73                                                                                                      |
| 29                                                                                                             | Rajasthan                                                                                                      | 16.27                                                                                                          | 76129.31                                                                                                       | 10.58                                                                                                          | 95615.51                                                                                                       | 8.52                                                                                                           | 104760.37                                                                                                      | 11.03                                                                                                          | 151219.10                                                                                                      | 11.42                                                                                                          | 179488.95                                                                                                      |
| 30                                                                                                             | Sikkim                                                                                                         | 0.33                                                                                                           | 813.04                                                                                                         | 0.18                                                                                                           | 808.66                                                                                                         | 0.15                                                                                                           | 970.95                                                                                                         | 0.14                                                                                                           | 1997.76                                                                                                        | 0.11                                                                                                           | 1141.51                                                                                                        |
| 31                                                                                                             | Tamil Nadu                                                                                                     | 34.21                                                                                                          | 191350.67                                                                                                      | 39.07                                                                                                          | 219118.87                                                                                                      | 28.07                                                                                                          | 239879.93                                                                                                      | 23.50                                                                                                          | 281696.93                                                                                                      | 21.06                                                                                                          | 320483.61                                                                                                      |
| 32                                                                                                             | Telangana                                                                                                      | 9.79                                                                                                           | 66334.66                                                                                                       | 7.37                                                                                                           | 83155.95                                                                                                       | 5.89                                                                                                           | 96028.26                                                                                                       | 7.52                                                                                                           | 116962.81                                                                                                      | 7.87                                                                                                           | 135268.98                                                                                                      |
| 33                                                                                                             | Tripura                                                                                                        | 3.05                                                                                                           | 3116.69                                                                                                        | 0.61                                                                                                           | 2168.20                                                                                                        | 0.53                                                                                                           | 2340.35                                                                                                        | 1.02                                                                                                           | 2978.15                                                                                                        | 1.13                                                                                                           | 3644.44                                                                                                        |
| 34                                                                                                             | Uttarakhand                                                                                                    | 10.43                                                                                                          | 28751.41                                                                                                       | 2.56                                                                                                           | 17591.92                                                                                                       | 3.21                                                                                                           | 47319.83                                                                                                       | 2.69                                                                                                           | 26006.06                                                                                                       | 5.03                                                                                                           | 53164.23                                                                                                       |
| 35                                                                                                             | Uttar Pradesh                                                                                                  | 29.58                                                                                                          | 105215.15                                                                                                      | 24.33                                                                                                          | 136723.44                                                                                                      | 19.75                                                                                                          | 132130.25                                                                                                      | 27.45                                                                                                          | 195413.75                                                                                                      | 24.63                                                                                                          | 214625.72                                                                                                      |
| 36                                                                                                             | West Bengal                                                                                                    | 62.53                                                                                                          | 95779.19                                                                                                       | 16.51                                                                                                          | 101202.28                                                                                                      | 13.53                                                                                                          | 106509.13                                                                                                      | 24.55                                                                                                          | 131256.60                                                                                                      | 22.10                                                                                                          | 148632.47                                                                                                      |
|                                                                                                                | Total                                                                                                          | 420.19                                                                                                         | 1783924.80                                                                                                     | 264.67                                                                                                         | 2011056.98                                                                                                     | 213.32                                                                                                         | 2260135.28                                                                                                     | 257.45                                                                                                         | 2725657.46                                                                                                     | 243.15                                                                                                         | 3108962.05                                                                                                     |
| Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) | Source: Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks; including Local area banks) |

Annexure II

## Annexure referred in Lok Sabha Unstarred Question No. 3288 on 'Credit Accessibility Hurdles and Collateral Demands by Banks 'due for reply on 12.03.2026.

| District-wise Outstanding ToMSME   | District-wise Outstanding ToMSME   | District-wise Outstanding ToMSME   | District-wise Outstanding ToMSME   | District-wise Outstanding ToMSME   |
|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|
| Sr. No.                            | Name of District                   | as on 31.03.2023                   | as on 31.03.2024                   | as on 31.03.2025                   |
| 1                                  | Agra                               | 9574.34                            | 11106.18                           | 13034.90                           |
| 2                                  | Aligarh                            | 3404.23                            | 4150.63                            | 4925.57                            |
| 3                                  | Ambedkar Nagar                     | 733.80                             | 982.92                             | 1169.13                            |
| 4                                  | Amethi                             | 779.30                             | 936.60                             | 1059.49                            |
| 5                                  | Amroha                             | 663.83                             | 1014.25                            | 1159.58                            |
| 6                                  | Auraiya                            | 360.62                             | 499.50                             | 616.89                             |
| 7                                  | Ayodhya                            | 1408.57                            | 1778.20                            | 2229.85                            |
| 8                                  | Azamgarh                           | 1595.45                            | 1943.97                            | 2331.10                            |
| 9                                  | Baghpat                            | 503.33                             | 613.48                             | 695.61                             |
| 10                                 | Bahraich                           | 1137.16                            | 1292.11                            | 1463.53                            |
| 11                                 | Ballia                             | 780.70                             | 1012.90                            | 1258.63                            |
| 12                                 | Balrampur                          | 368.38                             | 553.86                             | 632.56                             |
| 13                                 | Banda                              | 358.12                             | 548.60                             | 685.00                             |
| 14                                 | Barabanki                          | 1463.95                            | 1797.38                            | 1802.98                            |
| 15                                 | Bareilly                           | 4583.89                            | 5607.35                            | 6682.39                            |
| 16                                 | Basti                              | 878.51                             | 1217.80                            | 1503.99                            |
| 17                                 | Bhadohi                            | 1258.81                            | 1656.67                            | 1862.92                            |
| 18                                 | Bijnor                             | 1557.14                            | 1976.29                            | 2297.85                            |
| 19                                 | Budaun                             | 695.54                             | 932.59                             | 1246.59                            |
| 20                                 | Bulandshahr                        | 1733.76                            | 2193.92                            | 2694.62                            |
| 21                                 | Chandauli                          | 1027.71                            | 1230.95                            | 1476.22                            |
| 22                                 | Chitrakoot                         | 226.03                             | 314.31                             | 364.14                             |
| 23                                 | Deoria                             | 1141.52                            | 1482.33                            | 1800.11                            |
| 24                                 | Etah                               | 654.13                             | 779.70                             | 884.42                             |
| 25                                 | Etawah                             | 751.06                             | 976.97                             | 1146.03                            |
| 26                                 | Farrukhabad                        | 632.35                             | 740.29                             | 856.75                             |
| 27                                 | Fatehpur                           | 652.41                             | 1021.80                            | 1343.91                            |
| 28                                 | Firozabad                          | 1858.96                            | 2370.85                            | 2750.63                            |
| 29                                 | Gautam Buddha Nagar                | 17343.37                           | 21913.46                           | 26899.28                           |
| 30                                 | Ghaziabad                          | 11020.70                           | 13452.41                           | 16688.20                           |
| 31                                 | Ghazipur                           | 1382.36                            | 1713.44                            | 1971.10                            |
| 32                                 | Gonda                              | 718.69                             | 1104.04                            | 1281.31                            |
| 33                                 | Gorakhpur                          | 5377.01                            | 6905.10                            | 8426.27                            |
| 34                                 | Hamirpur                           | 405.49                             | 539.27                             | 579.55                             |
| 35                                 | Hapur                              | 1349.95                            | 1713.38                            | 2177.60                            |
| 36                                 | Hardoi                             | 1262.84                            | 1465.01                            | 1756.14                            |
| 37                                 | Hathras                            | 714.22                             | 866.78                             | 977.47                             |

|   38 | Jalaun            |   455.41 |   596.92 |   689.33 |
|------|-------------------|----------|----------|----------|
|   39 | Jaunpur           |  1535.85 |  1860.89 |  2320.71 |
|   40 | Jhansi            |  2070.09 |  2773.56 |  3300.87 |
|   41 | Kannauj           |   540.71 |   664.07 |   805.49 |
|   42 | Kanpur Dehat      |   414.69 |   601.75 |   727.27 |
|   43 | Kanpur Nagar      | 13209.2  | 14672.7  | 17089.4  |
|   44 | Kasganj           |   339.69 |   435.13 |   549.53 |
|   45 | Kaushambi         |   304.97 |   401.7  |   484.19 |
|   46 | Kushi Nagar       |   781.73 |  1070.72 |  1395.17 |
|   47 | Lakhimpur Kheri   |  1254.67 |  1451.11 |  1736.35 |
|   48 | Lalitpur          |   355.93 |   441.5  |   590.12 |
|   49 | Lucknow           | 16725    | 19573.2  | 24140.6  |
|   50 | Maharajganj       |   682.75 |   986.77 |  1220.39 |
|   51 | Mahoba            |   326.61 |   432.28 |   566.13 |
|   52 | Mainpuri          |   729.96 |   927.61 |   952.36 |
|   53 | Mathura           |  2857.36 |  3471.54 |  4474.62 |
|   54 | Mau               |   723.68 |   959.73 |  1185    |
|   55 | Meerut            |  7144.32 |  8283.31 |  9798.08 |
|   56 | Mirzapur          |  1045.3  |  1578.31 |  1874.54 |
|   57 | Moradabad         |  6357.67 |  6627.81 |  7189.93 |
|   58 | Muzaffarnagar     |  3714.22 |  4466.99 |  5371.26 |
|   59 | Pilibhit          |   716.77 |   834.78 |  1046.51 |
|   60 | Pratapgarh        |   936.88 |  1203.16 |  1443.52 |
|   61 | Prayagraj         |  4345.5  |  5436.51 |  6604.92 |
|   62 | Rae Bareli        |  1460.9  |  1910.97 |  2302.18 |
|   63 | Rampur            |   781.03 |  1232.22 |  1434.84 |
|   64 | Saharanpur        |  2181.53 |  2878.84 |  3570.33 |
|   65 | Sambhal           |   534.09 |   782.07 |  1011.41 |
|   66 | Sant Kabeer Nagar |   542.35 |   701.04 |   865.05 |
|   67 | Shahjahanpur      |  1252.18 |  1458.65 |  1823.57 |
|   68 | Shamli            |   539.98 |   738.19 |   980.78 |
|   69 | Shravasti         |   154.11 |   174.83 |   203.31 |
|   70 | Siddharth Nagar   |   452.74 |   638.44 |   841.53 |
|   71 | Sitapur           |   975.69 |  1221.29 |  1435.39 |
|   72 | Sonbhadra         |   986.61 |  1351.25 |  1589.08 |
|   73 | Sultanpur         |   898.37 |  1135.75 |  1388.17 |
|   74 | Unnao             |   983.72 |  1136.45 |  1321.33 |
|   75 | Varanasi          |  8946.68 | 11153.2  | 13372.1  |