Lok Sabha Question No. 2598 (UNSTARRED), answered on 2026-03-09
Subject: Loan Facilities to Farmers
Ministry: FINANCE
Asked by: Shri Raja A

## 2598. SHRI RAJA A:

Will the Minister of FINANCE be pleased to state:

(a)  the  total  outstanding  loan  on  farmers  in  the  country  and  the  number  of  agricultural households in debt, as on date, State-wise;

(b)  whether  the  Government  has  made  any  assessment  to  identify  the  reasons  for  the indebtedness of farmers;

(c) if so, the details thereof and the action taken by Government to ameliorate the conditions of farmers;

(d) whether any institutional credit facility is proposed for the farmers in the country, in view of inadequacy of National Bank for Agriculture and Rural Development (NABARD) financing to the farmers; and

(e) if so, the details thereof and if not, the reasons therefor?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

(a) As reported by NABARD, the details of outstanding loans under Ground level credit flow to agriculture in the country as on 31 December 2025 is given at Annexure . Further, as per National Bank for Agriculture and Rural Development (NABARD)'s All India Rural Financial Inclusion Survey (NAFIS) 2021-22 report, 55% of agricultural households have availed credit facility.

(b) to (e) As per NAFIS 2021-22 report, agricultural households have availed credit to meet capital expenditure, working capital requirement and related expenses so as to sustain and grow their agricultural operations.

The  Government  has  taken  various  steps  to  promote  institutional  credit  among  rural households which inter-alia include annual fixing of ground level agriculture credit targets and Priority Sector lending targets for banks, access to affordable credit through Kisan Credit Card (KCC)/ Modified Interest Subvention Scheme (MISS) etc. Further, the Government has also implemented  structured  long-term  measures  to  economically  empower  farmers.  These initiatives include Pradhan Mantri Kisan Samman Nidhi (PM Kisan), Pradhan Mantri Fasal Bima Yojana (PMFBY), Krishonnati Yojana, Rashtriya Krishi Vikas Yojana (RKVY) etc.

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 2598

ANWERED ON MONDAY, MARCH 09, 2026/ PHALGUNA 18, 1947 (SAKA)

## Loan Facilities to Farmers

Annexure

## Annexure referred to in part (a) of Lok Sabha Un-Starred Question no. 2598 on 'Loan Facilities to Farmers' answered on 09.03.2026

## Details of outstanding loans under Ground Level Credit (GLC) flow to agriculture as on 31 December 2025 (Provisional)

(Amount in Rs. crore)

| S. No.      | State             | Crop Loan                              | Term Loan                              | Total Loan                             |
|-------------|-------------------|----------------------------------------|----------------------------------------|----------------------------------------|
| 1           | DELHI             | 3,019.97                               | 26,452.04                              | 29,472.01                              |
| 2           | HARYANA           | 64,410.55                              | 34,093.91                              | 98,504.45                              |
| 3           | HIMACHAL PRADESH  | 11,454.33                              | 3,293.90                               | 14,748.23                              |
| 4           | JAMMU and KASHMIR | 8,666.86                               | 6,156.83                               | 14,823.69                              |
| 5           | PUNJAB            | 67,793.18                              | 32,529.52                              | 1,00,322.70                            |
| 6           | RAJASTHAN         | 1,35,341.57                            | 56,951.67                              | 1,92,293.24                            |
| 7           | CHANDIGARH UT     | 427.42                                 | 2,380.94                               | 2,808.36                               |
| 8           | LADAKH            | 315.62                                 | 177.70                                 | 493.32                                 |
| 9           | ARUNACHAL PRADESH | 382.65                                 | 135.11                                 | 517.76                                 |
| 10          | ASSAM             | 9,782.84                               | 12,359.40                              | 22,142.24                              |
| 11          | MANIPUR           | 445.31                                 | 846.41                                 | 1,291.72                               |
| 12          | MEGHALAYA         | 1,019.57                               | 272.30                                 | 1,291.87                               |
| 13          | MIZORAM           | 178.06                                 | 1,460.68                               | 1,638.73                               |
| 14          | NAGALAND          | 535.40                                 | 326.87                                 | 862.28                                 |
| 15          | SIKKIM            | 271.79                                 | 128.31                                 | 400.10                                 |
| 16          | TRIPURA           | 925.37                                 | 3,836.80                               | 4,762.17                               |
| 17          | A and N ISLAND    | 194.35                                 | 264.84                                 | 459.19                                 |
| 18          | BIHAR             | 44,001.09                              | 46,318.19                              | 90,319.29                              |
| 19          | JHARKHAND         | 10,374.04                              | 10,252.21                              | 20,626.25                              |
| 20          | ODISHA            | 48,159.86                              | 31,537.25                              | 79,697.11                              |
| 21          | WEST BENGAL       | 38,248.79                              | 52,757.98                              | 91,006.78                              |
| 22          | CHHATTISGARH      | 19,990.63                              | 14,052.65                              | 34,043.27                              |
| 23          | MADHYA PRADESH    | 1,11,297.80                            | 59,459.75                              | 1,70,757.55                            |
| 24          | UTTARAKHAND       | 8,300.68                               | 8,126.20                               | 16,426.88                              |
| 25          | UTTAR PRADESH     | 1,65,447.64                            | 64,649.05                              | 2,30,096.69                            |
| 26          | GOA               | 447.67                                 | 1,417.48                               | 1,865.15                               |
| 27          | GUJARAT           | 1,05,097.25                            | 63,363.68                              | 1,68,460.93                            |
| 28          | MAHARASHTRA       | 1,38,253.69                            | 1,69,040.03                            | 3,07,293.71                            |
| 29          | D and N HAVELI UT | 76.75                                  | 201.09                                 | 277.85                                 |
| 31          | ANDHRA PRADESH    | 2,01,744.41                            | 1,73,510.18                            | 3,75,254.59                            |
| 32          | TELANGANA         | 95,167.98                              | 80,792.58                              | 1,75,960.56                            |
| 33          | KARNATAKA         | 88,800.84                              | 1,21,443.63                            | 2,10,244.47                            |
| 34          | KERALA            | 86,774.19                              | 74,249.32                              | 1,61,023.52                            |
| 35          | PUDUCHERRY        | 1,765.16                               | 6,511.88                               | 8,277.04                               |
| 36          | TAMILNADU         | 1,65,075.79                            | 3,41,214.66                            | 5,06,290.45                            |
| 37          | LAKSHADWEEP UT    | 29.96                                  | 23.30                                  | 53.25                                  |
| Grand Total | Grand Total       | 16,34,219.07 15,00,588.35 31,34,807.42 | 16,34,219.07 15,00,588.35 31,34,807.42 | 16,34,219.07 15,00,588.35 31,34,807.42 |

Data is provisional

Data source: Data submitted by banks on ENSURE portal of NABARD