Lok Sabha Question No. 3771 (UNSTARRED), answered on 2026-03-16
Subject: Loan provided by Nationalised and Private Banks
Ministry: FINANCE
Asked by: Shri Anil Yeshwant Desai

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

## LOK SABHA UNSTARRED QUESTION NO. 3771

ANSWERED ON MONDAY, MARCH 16, 2026/PHALGUNA 25, 1947 (SAKA)

## Loan provided by Nationalised and Private Banks

## 3771.   SHRI ANIL YESHWANT DESAI:

Will the Minister of FINANCE be pleased to state:

- (a) the total amount of loan provided by nationalised and private banks to businessmen during the last five years;
- (b) the guidelines issued by Reserve Bank of India to be observed by banks before granting of loan and whether private banks are also required to follow such guidelines, if so, the details thereof; and
- (c) the procedure to be followed for the refund of loan amount and whether there is any differential procedure for the recovery of big and small amount of loans, if so, the details thereof?

## ANSWER

## THE MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY)

(a): Reserve Bank of India (RBI) has apprised that information regarding loans provided to businessmen by Public Sector Banks and Private Sector Banks is not maintained at it. However, RBI publishes data of outstanding credit by occupation under Basic Statistical Return-I, which includes loans to industry, transport operators, professional and other services, trade, finance, personal, agriculture and others. Accordingly, occupation-wise outstanding credit of Public Sector Banks and Private Sector Banks, for last 5-years is at annexure.

(b) and (c): RBI has apprised that it has deregulated the credit related matters of banks, including, inter alia, lending norms, procedures, recovery of loans and other operational processes, to enable progressive deregulation of credit environment. However, guidelines and directions are periodically issued by RBI to banks for guidance on credit appraisal, exposure limits, application of risk weights, statutory restrictions in lending, pricing of loan and, role of boards in managing and monitoring loan portfolio. All banks, including private banks, are required to adhere to statutory and regulatory guidelines/directions issued by RBI.

Further, repayment of loan is to be made as per terms and conditions agreed between bank and the borrower for the specified loan. Banks have recourse to recover the loans through different mechanisms, including, inter alia, Debt Recovery Tribunals, provisions of the SARFAESI Act, 2002, Lok Adalat, One-Time Settlement and compromise. Banks may also initiate corporate insolvency under the provisions of the Insolvency and Bankruptcy Code, 2016, for resolution of loans. Banks are also required to adhere to 'Responsible Business Conduct' directions issued by RBI and not to resort to undue harassment for recovery of loans. The various mechanism for recovery available to banks are subject to the threshold prescribed under law and banks may resort to different recovery methods as per individual case, subject to board approved policies.

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## Lok Sabha Unstarred  Question  no.  3771  dated  16.3.2026  regarding  'Loan  provided  by  Nationalised  and Private Banks'

Occupation-wise outstanding credit of Public Sector Banks and Private Sector Banks, for last 5-years

(Amount in ₹ Crore)

| As on       | Occupation                      | Public Sector Banks   | Private Sector Banks   |
|-------------|---------------------------------|-----------------------|------------------------|
| 31.3.2025   | Agriculture                     | 14,14,961             | 5,90,592               |
| 31.3.2025   | Industry                        | 23,66,128             | 16,22,699              |
| 31.3.2025   | Transport Operators             | 1,11,511              | 2,09,443               |
| 31.3.2025   | Professional and Other Services | 4,22,863              | 7,47,637               |
| 31.3.2025   | Personal Loans                  | 29,68,815             | 26,47,562              |
| 31.3.2025   | Trade                           | 8,77,950              | 7,74,510               |
| 31.3.2025   | Finance                         | 14,97,611             | 5,07,861               |
| 31.3.2025   | All Others                      | 1,61,787              | 4,22,434               |
| 31.3.2025   | Total Bank Credit               | 98,21,626             | 75,22,737              |
| 31.3.2024   | Agriculture                     | 13,31,333             | 5,23,627               |
| 31.3.2024   | Industry                        | 21,65,888             | 14,83,862              |
| 31.3.2024   | Transport Operators             | 1,01,825              | 1,94,010               |
| 31.3.2024   | Professional and Other Services | 3,92,957              | 6,41,600               |
| 31.3.2024   | Personal Loans                  | 24,96,473             | 24,70,788              |
| 31.3.2024   | Trade                           | 7,48,406              | 6,92,170               |
| 31.3.2024   | Finance                         | 13,23,159             | 5,46,872               |
| 31.3.2024   | All Others                      | 1,95,283              | 3,14,399               |
| 31.3.2024   | Total Bank Credit               | 87,55,324             | 68,67,328              |
| 31.3.2023   | Agriculture                     | 11,51,617             | 4,25,939               |
| 31.3.2023   | Industry                        | 20,15,024             | 12,99,279              |
| 31.3.2023   | Transport Operators             | 83,346                | 1,59,915               |
| 31.3.2023   | Professional and Other Services | 3,35,184              | 4,53,949               |
| 31.3.2023   | Personal Loans                  | 21,79,104             | 16,91,218              |
| 31.3.2023   | Trade                           | 7,06,280              | 5,98,959               |
| 31.3.2023   | Finance                         | 10,90,402             | 4,65,214               |
| 31.3.2023   | All Others                      | 1,47,007              | 2,74,133               |
| 31.3.2023   | Total Bank Credit               | 77,07,965             | 53,68,606              |
| 31.3.2022   | Agriculture                     | 10,35,219             | 3,80,583               |
| 31.3.2022   | Industry                        | 18,89,937             | 11,41,919              |
| 31.3.2022   | Transport Operators             | 73,020                | 1,31,250               |
| 31.3.2022   | Professional and Other Services | 3,45,196              | 4,10,942               |
| 31.3.2022   | Personal Loans                  | 18,29,987             | 13,88,238              |
| 31.3.2022   | Trade                           | 6,38,613              | 4,87,014               |
| 31.3.2022   | Finance                         | 7,90,984              | 3,74,470               |
| 31.3.2022   | All Others                      | 1,20,811              | 2,08,628               |
| Agriculture | Total Bank Credit               | 67,23,766             | 45,23,045              |
| Agriculture | Industry                        | 18,73,628             | 10,28,872              |
| Agriculture | Transport Operators             | 85,116                | 1,25,318               |
| Agriculture | Professional and Other Services | 3,29,458              | 3,87,417               |
| Agriculture | Personal Loans                  | 16,08,198             | 11,52,635              |
| Agriculture | Trade                           | 6,53,265              | 4,33,610               |
| Agriculture | Finance                         | 6,74,897              | 3,12,815               |
| Agriculture | All Others                      | 1,09,047              | 1,55,948               |
| Agriculture | Total Bank Credit               | 62,63,382             | 39,21,696              |

Source: Reserve Bank of India

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