Lok Sabha Question No. 541 (UNSTARRED), answered on 2016-02-26
Subject: Priority Sector Lending
Ministry: FINANCE
Asked by: RAGHAV LAKHANPAL

## Government of India Department of Financial Services Ministry of finance

## LOK SABHA UNSTARRED QUESTION NO. 541

## TO BE ANSWERED ON THE 26 th February 2016, Phalguna 7, 1937 (SAKA) PRIORITY SECTOR LENDING

## QUESTION

## 541. SHRI RAGHAV LAKHANPAL

Will the Minister of FINANCE be pleased to state:

- (a) the amount of loan disbursed by the public and private sector banks to the weaker sections including Scheduled Castes (SCs) and Scheduled Tribes (STs) and minority communities under the Priority Sector Lending (PSL) along with rate of interest charged thereon during last three years and current year, bank and state/UT- wise.

(b)whether the Reserve Bank of India (RBI) has laid down any guidelines in this regard:

(c)if so, the details along with the compliance status thereof; and

- (d) the other steps taken/proposed to be taken by the Government to restructure PSL in order to facilitate better credit access to the people belonging to SC/ST and minority communities?

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

- (a): As reported by RBI, the amount of loan disbursed by the public and private sector banks to the weaker sections including Scheduled Castes (SCs) and Scheduled Tribes (STs) and loan outstanding for minority communities under the Priority Sector Lending (PSL) for the year 2013, 2014, 2015 are Annexed as I,II,III&IV.

The interest rate on loans have been deregulated by RBI and it is now based on the Base Rate fixed by the banks.

RBI has further reported that, no interest rate has been prescribed for loans under Priority Sector Lending. Although banks have been instructed not to charge interest below their base rate, there are schemes like Differential Rate of Interest (DRI) etc. where interest rates are fixed by government of India and are made available to all borrowers including those belonging to SC/ST category or Minority communities under these schemes. The rate of interest charged thereon varies according to the prescription of various schemes.

(b)&(c): As per RBI guidelines on lending to priority sector, a target of 10 per cent of Adjusted Net Bank Credit has been prescribed for lending by scheduled commercial banks to weaker sections inclusive of SCs/STs among other persons & persons from minority communities. All commercial banks have been advised to ensure smooth flow of credit to these sections. There are no Sub-targets prescribed for SC/ST and minorities under Priority Sector Lending. The credit delivery by banks is monitored by RBI. Out of 47 Banks in Public Sector /Private Sector, 28 Banks have achieved target for weaker sections.

(d) RBI has issued standing instructions to banks to give special emphasis for the welfare of the scheduled castes and scheduled tribes and take measures to step up their advances to SCs / STs which inter-alia include:

-  At the block level a certain weightage is to be given to scheduled castes / scheduled tribes in the planning process.
-  Credit planning should be weighted in favour of SCs/STs. Loan proposals of these communities should be considered sympathetically and expeditiously.
-  While 'adopting' villages for intensive lending, villages with sizeable population of these communities may be specially chosen.
-  Banks should not insist on deposits while considering loan applications under Government sponsored poverty alleviation schemes / selfemployment programmes from borrowers belonging to SCs / STs.
-  If applications in respect of SCs / STs are to be rejected, it should be done at the next higher level instead of at the branch level. Further, reasons for rejection of applications should be clearly indicated.

Further, the following major central government sponsored schemes, provide significant reservation /relaxation for the members of the SC/ST communities:

- I. NationalRural Livelihoods Mission (NRLM)
- II. National Urban Livelihoods Mission (NULM)
- III. Differential Rate of Interest Scheme (DRI).

| Name of the Bank                 | YEAR 2013       | YEAR 2013        | YEAR 2013             | YEAR 2014              | YEAR 2014           | YEAR 2014        | YEAR 2014                                    | YEAR 2015       | YEAR 2015        | YEAR 2015             | YEAR 2015              |
|----------------------------------|-----------------|------------------|-----------------------|------------------------|---------------------|------------------|----------------------------------------------|-----------------|------------------|-----------------------|------------------------|
| Name of the Bank                 | No. of Accounts | Amount Disbursed | No. of Accounts SC/ST | Amount Disbursed SC/ST | No. of Accounts     | Amount Disbursed | No. of Accounts SC/ST Amount Disbursed SC/ST | No. of Accounts | Amount Disbursed | No. of Accounts SC/ST | Amount Disbursed SC/ST |
| 1 State Bank of Bikaner & Jaipur | 187154          | 17856770.69      | 50819 3624784.27      | 90997                  | 2777475.57          | 30998            | 1237820.53                                   | 176880          | 25038088.5       | 51494                 | 6008818.44             |
| 2 State Bank of Hyderabad        | 150185          | 15239850.95      | 14806                 | 1306187.74 100081      | 11578264.26         | 15226            | 1810819.96                                   | 89489           | 9987050.55       | 12987                 | 1774285.69             |
| 3 State Bank of India            | 6529882         | 301195211        | 1958965               | 75298805 6637465       | 355420349           | 1991240          | 88855087                                     | 7633085         | 405179197.9      | 44570                 | 4566781                |
| 4 State Bank of Mysore           | 33655           | 2986079          | 1155                  | 63857                  | 73457               | 5455981.28 3298  | 105581.21                                    | 35264           | 14758157         | 8184                  | 1241755                |
| 5 State Bank of Patiala          | 62136           | 14743529         | 10594                 | 1619348                | 229191              | 61569929 79769   | 3160814                                      | 84590           | 25956475         | 38747                 | 1679111                |
| 6 State Bank of Travancore       | 70756           | 20119215         | 7986                  | 2153635                | 1848                | 2020604 154      | 12362                                        | 91608           | 89093192         | 10216                 | 9540664                |
| 7 Allahabad Bank                 | na              | na               | na                    | na                     | 301294              | 29111436 32700   | 2749821                                      | 314131          | 33340213.99      | 33357                 | 2887311                |
| 8 Andhra Bank                    | 425667          | 39101578         | na                    | na                     | 969599              | 83579221.09      | 72514 7094807.39                             | 983336          | 63196843.89      | 95940                 | 7729513.85             |
| 9 Bank of Baroda                 | 412208          | 47639906         | na                    | na                     | 417305 57065537.79  | na               | na                                           | 422176          | 64957449.45      | 66771                 | 10230206.25            |
| 10 Bank of India                 | 1027195         | 90397175.79      | 105272 6692877.71     | 1378195                | 125548358           | 144772           | 10409345                                     | 1558712         | 166793026.9      | 174548                | 14548897.02            |
| 11 Bank of Maharashtra           | 118934          | 14978351.64      | 21595                 | 3337554.553 296027     | 35702529            | 43638            | 11800909                                     | 321768          | 42039540.79      | 39697                 | 4589028.175            |
| 12 Bhartiya Mahila Bank Ltd      |                 |                  |                       |                        |                     |                  |                                              | 1642            | 103720           | na                    | na                     |
| 13 Canara Bank                   | 2074517         | 186107936        | 345630                | 29057126.82            | 2572035 224018287.7 | 427483           | 34912691.84                                  | 3247214         | 303326043.6      | 345004                | 29124573.49            |
| 14 Central Bank of India         | 207455          | 27500200         | 91741 11577700        | 1105668                | 116277753           | 313695           | 31988040                                     | 1257947         | 138263403.3      | 185390                | 15775436.91            |
| 15 Corporation Bank              | 388502          | 48822019         | 14202 1975781         | 774994                 | 93104872            | 33564            | 6224915                                      | 782904          | 94921484         | 34209                 | 6329994                |
| 16 Dena Bank                     | 106335          | 7253779.58       | 18                    | 2452 122019            | 16962574.52         | 2928             | 278196.4                                     | 154273          | 43647528.08      | 23470                 | 4189429.38             |
| 17 IDBI Bank Ltd.                | 112797          | 39955501.6       | 1802                  | 781172.81 74520        | 45106008.38         | 1625             | 122394.83                                    | 71236           | 44478018.93      | 1608                  | 120423.83              |
| 18 Indian Bank                   | 922082          | 75331728         | 80514                 | 8403736 1255619        | 93410458            | 82792            | 8491054                                      | 1670199         | 112473059        | 88267                 | 7480226                |
| 19 Indian Overseas Bank          | 1301521         | 47938136         | 65196                 | 2592306 1447412        | 54802877            | 69292            | 2847130                                      | 1463623         | 56512727         | 70761                 | 12961282               |
| 20 Oriental Bank of Commerce     | 111957          | 28253642         | 17397                 | 4345492                | 36204 13409038100   |                  | 6987 2205357353                              | 39789           | 47866546         | 6987                  | 11455786               |
| 21 Punjab and Sind Bank          | 59038           | 49703779.36      | 4183                  | 789782.5               | 35150 12583149.33   | 3916             | 872218.84                                    | 40459           | 15586054.62      | 4710                  | 958292.75              |
| 22 Punjab National Bank          | 1530746         | 201509733        | 254107                | 26769684               | 1879609 202788403.9 | 222890           | 35876929.13                                  | 1950397         | 236547939        | 233262                | 29278396.95            |
| 23 Syndicate Bank                | 503330          | 44419734         | 42438                 | 2725690                | 426126              | 46425169 31216   | 2499119                                      | 811808          | 74743709         | 220308                | 17713549               |
| 24 UCO Bank                      | 382676          | 24269164         | 70090                 | 3878781                | 478889 69934637     | 50758            | 5329556                                      | 317608          | 43121041         | 40407                 | 4935175                |
| 25 Union Bank of India           | 695828          | 76228851.57      | 52545                 | 11807596.34            | 819440 94436726.84  | 50755            | 3699970.304                                  | 980630          | 103909551.8      | 77067                 | 16751308.84            |

| 26 United Bank of India     | 26 United Bank of India   | 264951             | 21839783.4     | 261485         | 21291672.85    | 809589         | 32963191.11    | 802284 32490929.44   | 840771         | 29067393.9     | 835227         | 7563075.92     |                |                |
|-----------------------------|---------------------------|--------------------|----------------|----------------|----------------|----------------|----------------|----------------------|----------------|----------------|----------------|----------------|----------------|----------------|
| 27 Vijaya                   | Bank                      | 336870 39220490.81 | 32845          | 4517310.88     | 1051031        | 50943661.5     | 30883          | 5351155.364          | 444987         | 55219788.59    | 26949          | 8029265.57     |                |                |
| 28                          | Axis Bank                 | 0                  | 0 0            | 0              | 0              |                | 0 0            | 0                    | 225779         | 29326032.83    | 45089          | 980184.07      |                |                |
| 29 Development              | Credit Bank 98374         | 6879159.79         | 1464           | 67468.81       | 29620          | 2162126        | 445            | 15004.2              | 191466         | 11326593.83    | 739            | 37576.68       |                |                |
| 30 HDFC Bank                | 198223                    | 10679293           | 2338           | 229093         | 23073          | 1554944.28     | 664            | 61660.76             | 281947         | 12810071.28    | 28070          | 1263643.25     |                |                |
| 31 ICICI Bank               | 1488                      | 1342159.33         | 54             | 94021.44       | 2869           | 3417616.82     | 30             | 28597.1              | 12128          | 8715579.146    | 11             | 26087          |                |                |
| 32 Indusind Bank            | 114490                    | 13695881.26        | 4083           | 475743.42      | 128781         | 11707846.97    |                |                      | 107352         | 11040117.58    | 2394           | 326263.78      |                |                |
| 33 Kotak Mahindra Bank      | 112769                    | 11944663.39        | 1320           | 158299.25      | 129287         | 121021         | 1343           | 208638               | 253061         | 21228013.79    | 6205           | 402362.97      |                |                |
| 34 Yes Bank                 | 293722                    | 56003859.22        | 14243          | 5666038.548    | 398391         | 66820228.45    | 10617          | 4928254.47           | 848374         | 141580087      | 12863          | 3125572.63     |                |                |
| 35 Catholic Syrian Bank     | 306508                    | 31127776.18        | 95705          | 7475182.47     | 520422         | 44891431.65    | 136457         | 10678403.22          | 575287         | 73518373.25    | 187459         | 14900728.25    |                |                |
| 36 City Union Bank          | 219621                    | 19299600.49        | 27241          | 2373917.64     | 1202792        | 31521770.5     | 353016         | 7341596.733          | 271643         | 20792609.47    | 42589          | 3788541.94     |                |                |
| 37 Dhanalakshmi Bank        | 7635                      | 1477705            | 471            | 46093          | 20068          | 1908723        | 1893           | 98215                | 5480           | 3659355.48     | 502            | 23910          |                |                |
| 38 Federal Bank             | 123615                    | 18438089           | 1018           | 356281         | 161797         | 29792449.06    | 9406           | 777789.32            | 76629          | 15726282       | 2544           | 985722.32      |                |                |
| 39 ING Vysya Bank           | 196971                    | 20491325.57        | 2182           | 198324.12      | 196004         | 19660191.37    | 2630           | 256385.57            | 147082         | 14175185.3     | 2356           | 134040         |                |                |
| 40 Jammu & Kashmir          | Bank 453180               | 25057599.02        | 3224           | 188740.51      | 473117         | 25242904.24    | 3148           | 184909.983           | 502703         | 27211190.59    | 6201           | 748203.76      |                |                |
| 41 Karnataka Bank           | 106719                    | 156628353          | 5281           | 2294643.611    | 4754           | 1110153.375    | 960            | 247280.6832          | 240767         | 5196415.73     | 1284           | 321570.81      |                |                |
| 42 Karur Vysya Bank         | 192436                    | 13997562.61        | 2282           | 158447.81      | 225642         | 15192893.2     | 2425           | 147792.17            | 216800         | 14052763.01    | 1909           | 129119.87      |                |                |
| 43 Lakshmi Vilas Bank       | 2461                      | 434951             | na             | na             | 13276          | 578762         | 825            | 79086                | 3864           | 714293.43      | 664            | 102896.13      |                |                |
| 44 Nainital Bank            | 611697                    | 4916611            | 94112          | 428368         | 341180         | 6572122        | 11847          | 268333               | 114944400      | 18344862       | 195110         | 2613662        |                |                |
| 45 Ratnakar Bank            | 280941                    | 19181798.32        | 4222           | 380656.99      | 403567         | 25833919.42    | 6522           | 534763.75            | 371722         | 25522845.15    | 6555           | 543372.41      |                |                |
| 46 South Indian Bank        | 420731                    | 25289621           | 9561           | 461904         | 464251         | 25145303       | 9186           | 435847               | 414551         | 20607391.07    | 9671           | 501225.01      |                |                |
| 47 Tamilnad Mercantile Bank | 398795                    | 22995024.11        | 0              | 0              | 1150998        | 38852100.98    | 0              | 0                    | 1786041        | 61637140.13    | 14             | 18389          |                |                |
| TOTAL                       | 22156753                  | 1942493178         | 3774186        | 245666557.1    | 29273653       | 15684712062    | 5096791        | 2529871577           | 147263602      | 2877312446     | 3322366        | 268435659      |                |                |
| na:data not available       |                           |                    |                |                |                |                |                |                      |                |                |                |                |                |                |
| SOURCE:RBI                  | SOURCE:RBI                | SOURCE:RBI         | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI           | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     | SOURCE:RBI     |
|                             | Annexure II to            | Annexure II to     | Annexure II to | Annexure II to | Annexure II to | Annexure II to | Annexure II to | Annexure II to       | Annexure II to | Annexure II to | Annexure II to | Annexure II to | Annexure II to | Annexure II to |

|   No. |                      |   No. of Accounts |   Amount Disbursed |   No. of Accounts SC/ST |   Amount Disbursed SC/ST |   No. of Accounts |   Amount Disbursed |   No. of Accounts SC/ST |   Amount Disbursed SC/ST |   No. of Accounts |   Amount Disbursed |   No. of Accounts SC/ST |   Amount Disbursed SC/ST |
|-------|----------------------|-------------------|--------------------|-------------------------|--------------------------|-------------------|--------------------|-------------------------|--------------------------|-------------------|--------------------|-------------------------|--------------------------|
|     1 | Andamans             |              3309 |        2.54313e+06 |                     761 |         619444           |              5652 |        3.04261e+06 |                     981 |         726554           |              5043 |        3.41785e+06 |                     323 |          28683.9         |
|     2 | Andhra Pradesh       |           3520965 |        2.10953e+08 |                  602859 |              1.43508e+07 |           4574556 |        8.66997e+08 |                  718915 |              1.57339e+08 |           4881039 |        2.68539e+08 |                  283082 |              2.52715e+07 |
|     3 | Arunachal Pradesh    |             35134 |        6.05575e+06 |                    6874 |              1.60856e+06 |             36279 |        8.17894e+06 |                    6763 |              2.36871e+06 |             37796 |        7.95784e+06 |                    4078 |         853829           |
|     4 | Assam                |            268812 |        2.10682e+07 |                  111507 |              6.84911e+06 |            439886 |        3.75227e+07 |                  235053 |              1.06668e+07 |            478905 |        3.07415e+07 |                  179013 |              4.39377e+06 |
|     5 | Bihar                |            790382 |        3.39346e+07 |                  161411 |              3.46216e+06 |           1224125 |        1.72827e+08 |                  209559 |              5.45451e+06 |           1295158 |        5.17333e+07 |                   79846 |              2.39325e+06 |
|     6 | Chandigarh           |             32547 |        1.25847e+07 |                    2232 |              1.64057e+06 |             35641 |        1.01951e+08 |                    2462 |              7.89337e+06 |             34252 |        9.7603e+06  |                    2024 |         430985           |
|     7 | Chattisgarh          |            159684 |        2.07754e+07 |                   41499 |              5.01102e+06 |            186591 |        2.26663e+08 |                   51468 |              2.985e+07   |            219414 |        3.20231e+07 |                   30266 |              4.43723e+06 |
|     8 | Dadra & Nagar Haveli |               596 |   272184           |                     128 |          61005.5         |               574 |        1.03298e+07 |                     156 |         918955           |              1309 |   559299           |                     675 |         158487           |
|     9 | Daman & Diu          |               395 |   179513           |                      68 |          52026.4         |               385 |        1.89667e+07 |                      66 |         402546           |               760 |   299335           |                     151 |          39519.6         |
|    10 | Delhi                |             25554 |        3.81792e+07 |                    3120 |              2.03251e+06 |            141378 |        6.27033e+08 |                    4930 |              8.04714e+07 |             26563 |        2.28255e+07 |                    3979 |              2.82369e+06 |
|    11 | Goa                  |            100334 |        2.18189e+07 |                    8795 |              4.82233e+06 |            111860 |        6.00828e+07 |                    6466 |              4.79982e+06 |            110973 |        2.7493e+07  |                    5006 |         395059           |
|    12 | Gujarat              |            626626 |        6.75469e+07 |                  117214 |              8.25858e+06 |            732077 |        3.29235e+08 |                  133238 |              4.57909e+07 |            963597 |        1.19637e+08 |                  115413 |              1.24487e+07 |
|    13 | Haryana              |            320137 |        5.61435e+07 |                   39420 |              4.27124e+06 |            410439 |        1.82347e+09 |                   64865 |              2.92197e+08 |            435763 |        8.7056e+07  |                   38544 |              6.08453e+06 |
|    14 | Himachal Pradesh     |            122609 |        1.26161e+07 |                   25594 |              2.65672e+06 |            165066 |        1.42685e+08 |                   38601 |              1.79502e+07 |            176906 |        2.40599e+07 |                   32428 |              3.30215e+06 |
|    15 | Jammu & Kashmir      |            142749 |        1.37399e+07 |                    5712 |         861854           |            186611 |        4.97135e+07 |                   14348 |              2.71642e+06 |            107296 |        1.82804e+07 |                    3988 |              1.24953e+06 |
|    16 | Jharkhand            |            354885 |        1.32163e+07 |                   92225 |              3.11676e+06 |            439657 |        7.17313e+07 |                  124812 |              7.3978e+06  |            577051 |        2.15968e+07 |                  105109 |              3.97653e+06 |
|    17 | Karnataka            |           1300610 |        1.46729e+08 |                  136518 |              1.48893e+07 |           2194303 |        5.34611e+08 |                  205371 |              7.18656e+07 |           1971103 |        2.52971e+08 |                  157593 |              1.74134e+07 |
|    18 | Kerala               |           1913983 |        2.09736e+08 |                  156099 |              2.2532e+07  |           2395835 |        4.59408e+08 |                  125192 |              4.58577e+07 |           3003490 |        3.44548e+08 |                  140651 |              2.05536e+07 |
|    19 | Lakshadweep          |               855 |    72916           |                     244 |          11316           |               832 |    79655           |                     234 |          11347           |              1089 |   129199           |                     865 |         114843           |
|    20 | Madhya Pradesh       |            755155 |        6.09169e+07 |                  191744 |              1.41275e+07 |           1175988 |        4.41134e+08 |                  289813 |              1.04946e+08 |           1406331 |        1.24973e+08 |                  186780 |              1.61657e+07 |
|    21 | Maharashtra          |           1695555 |        2.0086e+08  |                  295476 |              2.33267e+07 |           1889377 |        1.31415e+09 |                  350333 |              2.1244e+08  |           2444889 |        2.37395e+08 |                  230424 |              1.78464e+07 |
|    22 | Manipur              |             17039 |        8.24855e+06 |                    8279 |              2.42369e+06 |             34604 |        9.81946e+06 |                   20456 |              2.75371e+06 |             41098 |        1.13988e+07 |                   19586 |         827414           |
|    23 | Meghalaya            |             33087 |        2.40373e+06 |                   10723 |         872864           |             46289 |        5.42888e+06 |                   17511 |              3.19131e+06 |             48165 |        2.81639e+06 |                    7835 |         791316           |
|    24 | Mizoram              |              9943 |   514753           |                    3223 |         326382           |             12243 |   877131           |                    5502 |         833653           |             15300 |   991461           |                    5274 |         852583           |
|    25 | Nagaland             |             23386 |   979575           |                    7472 |         468196           |             27474 |        1.10859e+06 |                   10081 |         930224           |             29426 |        1.1479e+06  |                    3875 |         679443           |
|    26 | Orissa               |            785570 |        2.69149e+07 |                  177455 |              4.58312e+06 |            868012 |        3.76842e+08 |                  238165 |              9.65526e+07 |            986415 |        3.39023e+07 |                  151718 |              5.66492e+06 |
|    27 | Puducherry           |            111123 |        5.86364e+06 |                   10601 |         505956           |            135760 |        2.26035e+07 |                   11502 |         849984           |            162478 |        8.22278e+06 |                    6337 |         400483           |
|    28 | Punjab               |            385123 |        1.18747e+08 |                   67897 |              1.18802e+07 |            540347 |        2.01309e+09 |                  111011 |              3.67261e+08 |            513995 |        1.43944e+08 |                   72205 |              1.4214e+07  |

| 29 Rajasthan     | 694942   | 73388646.11   | 161013   | 13716362.96   | 820540   | 1117813401   | 192176   | 269442927.5   | 1115551   | 126854337   | 189041   | 25951541.22   |
|------------------|----------|---------------|----------|---------------|----------|--------------|----------|---------------|-----------|-------------|----------|---------------|
| 30 Sikkim        | 4925     | 1307155.794   | 1604     | 450114.226    | 7363     | 11770364.73  | 2474     | 6556433.187   | 7538      | 1575186.16  | 1324     | 233456.293    |
| 31 Tamil Nadu    | 5397666  | 375326385     | 702331   | 44159147.8    | 6696717  | 837845445.1  | 808400   | 74655208.01   | 7956085   | 547384463   | 511159   | 51143474.07   |
| 32 Tripura       | 47815    | 1461702.649   | 26376    | 961004.996    | 87069    | 2189465.077  | 62286    | 1154898.076   | 96300     | 5244084.231 | 57112    | 1227406.441   |
| 33 Uttarakhand   | 818102   | 30600353.93   | 204972   | 4017777.412   | 948813   | 496188819.5  | 219456   | 68503051.13   | 469873    | 50076601.02 | 27707    | 3879346.698   |
| 34 Uttar Pradesh | 976042   | 103488343.2   | 126515   | 10402796.4    | 1501943  | 1992763554   | 234094   | 321994504.8   | 2381581   | 177554564.5 | 163286   | 16079174.22   |
| 35 West Bengal   | 681114   | 43305410.95   | 266225   | 16337396.64   | 1199367  | 1496556926   | 580051   | 213127305.4   | 115261070 | 80201944.88 | 505669   | 6109693.671   |
| TOTAL            | 22156753 | 1942493178    | 3774186  | 245666557     | 29273653 | 15684712062  | 5096791  | 2529871577    | 147263602 | 2877312446  | 3322366  | 268435659     |
| SOURCE:RBI       |          |               |          |               |          |              |          |               |           |             |          |               |

## Annexure III to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector Lending

## BANK-WISE CREDIT FACILITIES TO MINORITY COMMUNITIES

## (No. of Accounts in Actuals and Amount Outstanding in Rs. Lakhs)

| Sr. No.   | Name of the Bank               | YEAR 2013       | YEAR 2013          | YEAR 2014       | YEAR 2014          | YEAR 2015       | YEAR 2015          |
|-----------|--------------------------------|-----------------|--------------------|-----------------|--------------------|-----------------|--------------------|
| Sr. No.   | Name of the Bank               | No. of Accounts | Amount Outstanding | No. of Accounts | Amount Outstanding | No. of Accounts | Amount Outstanding |
| 1         | State Bank of Bikaner & Jaipur | 68655           | 104227             | 79984           | 153240             | 86954           | 343824             |
| 2         | State Bank of Hyderabad        | 46468           | 66025              | 236502          | 491208             | 302650          | 559155             |
| 3         | State Bank of India            | 2817087         | 4524412            | 3003876         | 5242257            | 3122092         | 5659248            |
| 4         | State Bank of Mysore           | 35187           | 141608             | 42700           | 205603             | 38012           | 203799             |
| 5         | State Bank of Patiala          | 192762          | 429467             | 188946          | 516009             | 160654          | 503141             |
| 6         | State Bank of Travancore       | 281464          | 763423             | 318992          | 969200             | 322420          | 1071817            |
| 7         | Allahabad Bank                 | 501765          | 633469             | 462047          | 734185             | 496283          | 831213             |
| 8         | Andhra Bank                    | 192628          | 425528             | 190095          | 423606             | 263555          | 587307             |
| 9         | Bank of Baroda                 | 376397          | 880249             | 279101          | 1126691            | 322401          | 1454983            |
| 10        | Bank of India                  | 286237          | 648808             | 287874          | 670001.78          | 294812          | 692383             |
| 11        | Bank of Maharashtra            | 86457           | 244320             | 107513          | 249350             | 87535           | 245285             |
| 12        | Canara Bank                    | 1483276         | 2184906            | 1145458         | 1778485            | 1528034         | 2276642            |
| 13        | Central Bank of India          | 597781          | 769800             | 483380          | 898813             | 837619          | 1143501            |
| 14        | Corporation Bank               | 74944           | 235055             | 132762          | 512792             | 136990          | 587902             |
| 15        | Dena Bank                      | 42562           | 153600             | 46397           | 316392             | 39173           | 440645             |
| 16        | IDBI Bank Ltd.                 | 100932          | 165427             | 204344          | 309118             | 100119          | 429730             |
| 17        | Indian Bank                    | 545910          | 547142             | 562696          | 614132             | 1124268         | 1277658.15         |
| 18        | Indian Overseas Bank           | 438927          | 771036             | 592378          | 827928             | 674575          | 979322             |
| 19        | Oriental Bank of Commerce      | 207554          | 739856             | 211215          | 839483             | 210426          | 867732             |
| 20        | Punjab and Sind Bank           | 180724          | 568762             | 211446          | 673705             | 234144          | 765859             |
| 21        | Punjab National Bank           | 680189          | 1371811            | 574832          | 1672378            | 600743          | 2093472            |

| 22                                                                                                                | Syndicate Bank                                                                                                    | 491662                                                                                                            | 760112                                                                                                            | 490300                                                                                                            | 761623                                                                                                            | 422117                                                                                                            | 901230                                                                                                            |
|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|
| 23                                                                                                                | UCO Bank                                                                                                          | 324049                                                                                                            | 735532                                                                                                            | 301621                                                                                                            | 698693                                                                                                            | 335049                                                                                                            | 801884                                                                                                            |
| 24                                                                                                                | Union Bank of India                                                                                               | 271182                                                                                                            | 537080                                                                                                            | 353862                                                                                                            | 718652                                                                                                            | 449074                                                                                                            | 1048217                                                                                                           |
| 25                                                                                                                | United Bank of India                                                                                              | 266042                                                                                                            | 385895                                                                                                            | 280265                                                                                                            | 394822                                                                                                            | 297740                                                                                                            | 428697                                                                                                            |
| 26                                                                                                                | Vijaya Bank                                                                                                       | 89160                                                                                                             | 201960                                                                                                            | 117618                                                                                                            | 294215                                                                                                            | 136966                                                                                                            | 422514                                                                                                            |
| 27                                                                                                                | Axis Bank                                                                                                         | 210552                                                                                                            | 279438                                                                                                            | 22642                                                                                                             | 102909                                                                                                            | 27539                                                                                                             | 146285                                                                                                            |
| 28                                                                                                                | Development Credit Bank                                                                                           | 2026                                                                                                              | 21776                                                                                                             | 2579                                                                                                              | 24182                                                                                                             | 4148                                                                                                              | 46353                                                                                                             |
| 29                                                                                                                | HDFC Bank                                                                                                         | 137057                                                                                                            | 219455                                                                                                            | 175302                                                                                                            | 260257                                                                                                            | 213978                                                                                                            | 476676                                                                                                            |
| 30                                                                                                                | ICICI Bank                                                                                                        | 117749                                                                                                            | 275404                                                                                                            | 159013                                                                                                            | 377959                                                                                                            | 208898                                                                                                            | 490620                                                                                                            |
| 31                                                                                                                | Indusind Bank                                                                                                     | 253064                                                                                                            | 311062                                                                                                            | 520060                                                                                                            | 492654                                                                                                            | 584574                                                                                                            | 429929                                                                                                            |
| 32                                                                                                                | Kotak Mahindra Bank                                                                                               | 25135                                                                                                             | 104551                                                                                                            | 24218                                                                                                             | 84643                                                                                                             | 22036                                                                                                             | 77021                                                                                                             |
| 33                                                                                                                | Yes Bank                                                                                                          | 75                                                                                                                | 4230                                                                                                              | 153                                                                                                               | 5507                                                                                                              | 2043278                                                                                                           | 2485517.03                                                                                                        |
| 34                                                                                                                | Catholic Syrian Bank                                                                                              | 33539                                                                                                             | 43215                                                                                                             | 27094                                                                                                             | 39472                                                                                                             | 76862                                                                                                             | 94042                                                                                                             |
| 35                                                                                                                | City Union Bank                                                                                                   | 23373                                                                                                             | 22562                                                                                                             | 27877                                                                                                             | 23466                                                                                                             | 20530                                                                                                             | 11800                                                                                                             |
| 36                                                                                                                | Dhanalakshmi Bank                                                                                                 | 28363                                                                                                             | 32058                                                                                                             | 18371                                                                                                             | 29220                                                                                                             | 15233                                                                                                             | 54755                                                                                                             |
| 37                                                                                                                | Federal Bank                                                                                                      | 94603                                                                                                             | 355391                                                                                                            | 99647                                                                                                             | 455936                                                                                                            | 369678                                                                                                            | 1228336.33                                                                                                        |
| 38                                                                                                                | ING Vysya Bank                                                                                                    | 110862                                                                                                            | 221322                                                                                                            | 1520                                                                                                              | 13842                                                                                                             | 2030                                                                                                              | 28191                                                                                                             |
| 39                                                                                                                | Jammu & Kashmir Bank                                                                                              | 379796                                                                                                            | 692999                                                                                                            | 415488                                                                                                            | 785657                                                                                                            | 988114                                                                                                            | 1684296                                                                                                           |
| 40                                                                                                                | Karnataka Bank                                                                                                    | 20555                                                                                                             | 43908                                                                                                             | 28256                                                                                                             | 56481                                                                                                             | 30326                                                                                                             | 71849                                                                                                             |
| 41                                                                                                                | Karur Vysya Bank                                                                                                  | 35579                                                                                                             | 38561                                                                                                             | 43651                                                                                                             | 45639                                                                                                             | 817278                                                                                                            | 1355116.78                                                                                                        |
| 42                                                                                                                | Lakshmi Vilas Bank                                                                                                | 10584                                                                                                             | 15105                                                                                                             | 12205                                                                                                             | 16597                                                                                                             | 11713                                                                                                             | 17963                                                                                                             |
| 43                                                                                                                | Nainital Bank                                                                                                     | 4635                                                                                                              | 14515                                                                                                             | 5087                                                                                                              | 28028                                                                                                             | 2414                                                                                                              | 7404                                                                                                              |
| 44                                                                                                                | Ratnakar Bank                                                                                                     | 55741                                                                                                             | 6204                                                                                                              | 46522                                                                                                             | 8084                                                                                                              | 250260                                                                                                            | 33057.62                                                                                                          |
| 45                                                                                                                | South Indian Bank                                                                                                 | 70331                                                                                                             | 133553                                                                                                            | 87940                                                                                                             | 182047                                                                                                            | 95554                                                                                                             | 220018                                                                                                            |
| 46                                                                                                                | Tamilnad Mercantile Bank                                                                                          | 78172                                                                                                             | 105668                                                                                                            | 75453                                                                                                             | 113965                                                                                                            | 368773                                                                                                            | 842802.87                                                                                                         |
|                                                                                                                   | TOTAL                                                                                                             | 12371792                                                                                                          | 21930489                                                                                                          | 12699282                                                                                                          | 25239127                                                                                                          | 18777621                                                                                                          | 36419193                                                                                                          |
| SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        | SOURCE:RBI                                                                                                        |
| Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector | Annexure IV to reply of Lok Sabha Un Starred Question No. 541 for answer on 26th February 2016 -- Priority Sector |

| Sr. No.   | Name of the State/UT   | YEAR 2013       | YEAR 2013          | YEAR 2014       | YEAR 2014          | YEAR 2015       | YEAR 2015          |
|-----------|------------------------|-----------------|--------------------|-----------------|--------------------|-----------------|--------------------|
| Sr. No.   | Name of the State/UT   | No. of Accounts | Amount Outstanding | No. of Accounts | Amount Outstanding | No. of Accounts | Amount Outstanding |
| 1         | Andamans               | 11089           | 17231              | 11236           | 17455              | 10844           | 18845              |
| 2         | Andhra Pradesh         | 1151982         | 1492816            | 1347249         | 2003651            | 1137410         | 1807571            |
| 3         | Arunachal Pradesh      | 20025           | 30300              | 18879           | 37612              | 18960           | 42241              |
| 4         | Assam                  | 246415          | 280871             | 253125          | 310397             | 288920          | 380415             |
| 5         | Bihar                  | 404283          | 291738             | 406506          | 306706             | 480439          | 378345             |
| 6         | Chandigarh             | 49522           | 160830             | 33407           | 162214             | 38859           | 209129             |
| 7         | Chattisgarh            | 55933           | 122088             | 53692           | 155773             | 90154           | 227854             |
| 8         | Dadra & Nagar Haveli   | 507             | 1637               | 478             | 2047               | 798             | 11732              |
| 9         | Daman & Diu            | 661             | 1907               | 307             | 1416               | 509             | 5177               |
| 10        | Delhi                  | 128047          | 627412             | 90080           | 675299             | 133978          | 1176716            |
| 11        | Goa                    | 45426           | 146111             | 46169           | 162013             | 50376           | 204394             |
| 12        | Gujarat                | 211679          | 450970             | 213513          | 488909             | 341137          | 959132             |
| 13        | Haryana                | 171469          | 530581             | 183945          | 618087             | 238501          | 767858             |
| 14        | Himachal Pradesh       | 29520           | 72474              | 29590           | 74986              | 54310           | 85059              |
| 15        | Jammu & Kashmir        | 434056          | 717873             | 464663          | 841038             | 541031          | 894804             |
| 16        | Jharkhand              | 241686          | 197382             | 237161          | 233285             | 328935          | 280780             |
| 17        | Karnataka              | 678843          | 1367233            | 790919          | 1526658            | 1097107         | 2182709            |
| 18        | Kerala                 | 1883829         | 3594781            | 1935472         | 4073074            | 2494987         | 4964884            |
| 19        | Lakshadweep            | 5600            | 5611               | 5323            | 6276               | 4475            | 5939               |
| 20        | Madhya Pradesh         | 259226          | 495770             | 258914          | 484941             | 372859          | 703658             |
| 21        | Maharashtra            | 563940          | 1426379            | 609856          | 2086427            | 873607          | 3587263            |
| 22        | Manipur                | 18006           | 25320              | 21875           | 27000              | 22424           | 30023              |
| 23        | Meghalaya              | 70991           | 113095             | 79499           | 108839             | 88367           | 108970             |
| 24        | Mizoram                | 32032           | 72047              | 30075           | 71443              | 30549           | 72085              |

| 25         | Nagaland      | 54376      | 72683      | 53497      | 67635      | 52640      | 64829      |
|------------|---------------|------------|------------|------------|------------|------------|------------|
| 26         | Orissa        | 270765     | 286813     | 279072     | 285665     | 448818     | 362069     |
| 27         | Puducherry    | 27938      | 42270      | 58309      | 114181     | 82175      | 116193     |
| 28         | Punjab        | 1116702    | 3426096    | 1077607    | 3659847    | 1144589    | 4028141    |
| 29         | Rajasthan     | 255654     | 528291     | 288965     | 635982     | 584532     | 1185348    |
| 30         | Sikkim        | 15183      | 43175      | 14397      | 47990      | 14647      | 41911      |
| 31         | Telangana     |            |            |            |            | 1573203    | 2424925    |
| 32         | Tamil Nadu    | 1872270    | 2331490    | 1840314    | 2625244    | 2214321    | 3174392    |
| 33         | Tripura       | 29739      | 30762      | 29584      | 32784      | 520504     | 276245     |
| 34         | Uttarakhand   | 100251     | 192973     | 105957     | 286023     | 260214     | 499086     |
| 35         | Uttar Pradesh | 1120993    | 1679714    | 1037509    | 1843420    | 1043977    | 2112570    |
| 36         | West Bengal   | 793154     | 1053765    | 792138     | 1164809    | 2098465    | 3027899    |
|            | TOTAL         | 12371792   | 21930489   | 12699282   | 25239127   | 18777621   | 36419193   |
| SOURCE:RBI | SOURCE:RBI    | SOURCE:RBI | SOURCE:RBI | SOURCE:RBI | SOURCE:RBI | SOURCE:RBI | SOURCE:RBI |