Lok Sabha Question No. 3714 (UNSTARRED), answered on 2026-03-16
Subject: Banking and Financial Inclusion in  Haryana
Ministry: FINANCE
Asked by: Shri Dharambir Singh

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

## LOK SABHA UNSTARRED QUESTION NO. 3714

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

## Banking and Financial Inclusion in Haryana

## 3714. SHRI DHARAMBIR SINGH:

Will the Minister of FINANCE be pleased to state:

- (a)  the  number  of  bank  branches  and  ATMs  functioning  in  rural  blocks  of  BhiwaniMahendragarh district in Haryana;
- (b) whether adequate crop loans and Micro, Small and Medium Enterprises (MSME) credit facilities are being provided to farmers and small traders, if so, the details thereof;
- (c)  the  status  of  PM  Mudra  Yojana  and  Stand-Up  India  beneficiaries  in  the  BhiwaniMahendragarh Lok Sabha constituency;
- (d) whether any proposal exists to open additional public sector bank branches in underserved villages, if so, the details thereof; and
- (e) the steps taken to curb cyber frauds and financial scams affecting rural citizens?

## ANSWER

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

- (a)  The  details  of  number  of  bank  branches  and  ATMs  functioning,  as  on  31.01.2026,  in Bhiwani and Mahendragarh Districts of Haryana are as under:
- (b) The details of crop loans and Micro, Small and Medium Enterprises (MSME) loans, as on 31.12.2025, in Bhiwani and Mahendragarh Districts of Haryana are as under:

| District     |   Branch |   ATM |
|--------------|----------|-------|
| Bhiwani      |      204 |   149 |
| Mahendragarh |      166 |   105 |

Source: JDD App

|              | Crop Loan o/s   | Crop Loan o/s     | MSME o/s   | MSME o/s          |
|--------------|-----------------|-------------------|------------|-------------------|
| District     | Accounts        | Amount (In Crore) | Accounts   | Amount (In Crore) |
| Bhiwani      | 1,73,268        | 3439.77           | 27,417     | 3177.17           |
| Mahendragarh | 1,39,156        | 1848.44           | 15,946     | 1532.55           |

Source: SLBC Haryana

(c) the status of PM Mudra Yojana and Stand-Up India scheme, in Bhiwani and Mahendragarh Districts of Haryana, is as under:

|              | Stand-Up India     | Stand-Up India               | *PM Mudra Yojana   | *PM Mudra Yojana             |
|--------------|--------------------|------------------------------|--------------------|------------------------------|
| District     | Number of Accounts | Amount Sanctioned (In Crore) | Number of Accounts | Amount Sanctioned (In Crore) |
| Bhiwani      | 336                | 77.61                        | 5,15,620           | 3503.16                      |
| Mahendragarh | 143                | 29.03                        | 3,81,408           | 2789.12                      |

*District-wise data for FY 2015-2016 is not maintained.

# Stand Up India & PM Mudra Yojana Data is available as on 31.03.2025 & 27.02.2026 respectively.

(d) To ensure accessibility of banking services in rural and remote areas, the endeavour of the Government is to provide a banking outlet (Bank branch / Business Correspondent / India Post Payments Bank) within 5 kilometres of all inhabited villages in the country.

Reserve  Bank  of  India  (RBI)  has  also  permitted  Scheduled  Commercial  Banks  (except Regional  Rural  Banks)  to  open  bank  branches  anywhere  in  India  without  prior  approval, provided 25% are in unbanked rural areas.

Moreover, in pursuance of extant RBI guidelines, rolling out of banking outlets in uncovered areas is a continuous process looked after by the State Level Bankers' Committee (SLBC) / Union  Territory  Level  Bankers  Committee  (UTLBC),  in  consultation  with  the  concerned State/UT  Government,  member  Banks  and  other  stakeholders,  Banks,  inter-alia,  consider proposals for opening banking outlets in the light of RBI's instructions, their business plans and their commercial viability. To further assess the viability for opening a banking outlet, banks carry out survey as required.

- (e) Reserve Bank of India (RBI) has issued Master Directions on Digital Payment Security Controls in February, 2021 to combat web and mobile app threats. These guidelines mandate the banks to implement a common minimum standards of security controls for various payment channels like internet, mobile banking, card payment etc. RBI has also launched an Artificial intelligence  (Al) based tool 'MuleHunter' for identification of money mule and advised the banks and financial institutions for its uses.

RBI and Banks have been taking up awareness campaigns through short SMS, radio campaign, publicity on prevention of 'cyber-crime'. Further, RBI has been conducting electronic-banking awareness and training (e-BAAT) programmes which focuses on awareness about frauds and risk mitigation.

ln order to facilitate the citizens to report cyber incidents including illegal loan apps, MHA has launched  a  National  Cybercrime  Reporting  Portal  (www.cybercrime.gov.in)  as  well  as  a National Cybercrime Helpline number "1930". Similarly, Department of Telecommunications has launched 'Chakshu' facility which facilitates citizens to report suspected fraud communication received over call, SMS or WhatsApp with the intention of defrauding like KYC expiry or update of bank account, etc.

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