Lok Sabha Question No. 1030 (UNSTARRED), answered on 2015-12-04
Subject: Agricultural Loan
Ministry: FINANCE
Asked by: RAMA DEVI, B.V. NAYAK, PRATAPRAO GANPATRAO JADHAV, AJAY NISHAD, BALKA SUMAN, NISHIKANT  DUBEY, LALUBHAI BABUBHAI PATEL, SHIVKUMAR CHANABASAPPA UDASI

† 1030. SHRIMATI RAMA DEVI: SHRI B.V. NAIK: SHRI PRATAPRAO JADHAV: SHRI AJAY NISHAD: SHRI SUMAN BALKA: SHRI NISHIKANT DUBEY: SHRI LALUBHAI BABUBHAI PATEL: SHRI SHIVKUMAR UDASI:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the norms/target fixed by the Government/Reserve Bank of India (RBI) for disbursement of agricultural loans to the farmers in the country;
- (b) the details and percentage of agricultural loans disbursed, interest rate charged and target achieved by the banks for sanctioning of loans to farmers in the country by the public/private sector banks, cooperative banks and National Bank for Agriculture and Rural Development along with the details of outstanding loans against them during the last three years and the current year, bank and State/UT-wise;
- (c) whether the Government has any proposal or special scheme to reschedule/ waive off loans of farmers in the country;
- (d) if so, the details thereof;
- (e) whether the Government proposes to issue any guidelines for providing loans directly to the farmers through the public sector banks; and
- (f) if so, the details thereof along with the corrective steps taken/being taken by the Government in this regard?

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

LOK SABHA Unstarred Question No. 1030 To be answered on December 4, 2015/Agrahayana 13, 1937 (Saka) Agricultural Loan

## Question

## Answer

## The Minister of State in the Ministry of Finance (Shri Jayant Sinha)

(a): As per Reserve Bank of India (RBI)'s extant guidelines on Priority Sector Lending (PSL), all Domestic Scheduled Commercial Banks and foreign banks with 20 and above branches have been mandated to earmark 18% of their Adjusted Net Bank Credit (ANBC) or Credit Equivalent amount of Off-Balance Sheet Exposure (OBE), whichever is higher, as on the corresponding date of the previous year, for lending to Agriculture. Within  the  18  percent  target  for  agriculture,  a  target  of  8  percent  of  ANBC  or  Credit  Equivalent  Amount  of  Off-Balance  Sheet  Exposure, whichever is higher is prescribed for Small and Marginal Farmers, to be achieved in a phased manner i.e., 7 per cent by March 2016 and 8 per cent by March 2017 . Foreign banks with 20 branches and above have to achieve the Agriculture Target within a maximum period of five years starting from April 1, 2013 and ending on March 31, 2018.

Besides, Government of India has been setting an annual target for the flow of credit to the agriculture sector.

- (b): The details of target and achievement in respect of agricultural loans during the last three years are as follows :-

Year

Target

Achievement

* Provisional                (Source: NABARD/IBA/PSBs)

| 2012-13   | 5,75,000   | 6,07,376     |   105.63 |
|-----------|------------|--------------|----------|
| 2013-14   | 7,00,000   | 7,30,122.62  |   104.3  |
| 2014-15   | 8,00,000   | 8,45,328.23* |   105.67 |

The agriculture credit target for 2015-16 has been fixed at Rs.8,50,000 crore.

The Bank-wise and State/UT-wise details of outstanding agricultural loans/advances in respect of Commercial banks for the last three years are given in Annexure-I & II respectively. The State/UT-wise details of outstanding agricultural loans in respect of Cooperative Banks and Regional Rural Banks, for the last three years, are given in Annexure III, IV & V respectively.

The interest rates on loans have been deregulated by Reserve Bank of India (RBI) and it is now based on the Base Rate fixed by the banks. However, with a view to ensuring availability of agriculture credit at a reasonable cost, the Government provides interest subvention to make available  the  short-term  crop  loans  upto  Rs.  3  lakhs  for  a  period  of  one  year  at  the  interest  rate  of  7%  per  annum  and  in  case  of  prompt repayment, the same gets reduced to 4%.

- (c) & (d):  No scheme for waiver of agricultural loans is under Government's consideration. However, RBI has issued standing guidelines for relief measures to be provided by respective lending institutions in areas affected by natural calamities which, inter alia, include identification of beneficiaries, extending fresh loans and restructuring of existing loans, relaxed security and margin norms etc. The moment calamity is declared by the concerned District Authorities, these Guidelines have been so designed that they are automatically set in motion without any intervention and this saves precious time. Further under the Interest Subvention Scheme, 2015-16 in order to provide relief to the farmers on occurrence of

% achievement of target

(Rs. in crore)

natural calamities, the interest subvention of 2% shall continue to be available to banks for the first year on the restructured amount and such restructured loans may attract normal rate of interest from the second year onwards as per the policy laid down by RBI.

(e) & (f): In  order  to  ensure that  all  eligible  farmers  are  provided  with  hassle-free  and  timely  credit for  their  agricultural  operations  by  banks including Public Sector Banks (PSBs), the Government has introduced the Kisan Credit Card (KCC) Scheme, which enables them to purchase agricultural inputs such as seeds, fertilisers, pesticides, etc. and draw cash to satisfy their consumption needs. The KCC Scheme has since been simplified which has the provision of ATM enabled debit card with, inter alia, facilities of one-time documentation, any number of drawals within the limit, built-in cost escalation in the limit, etc.

## ************

## Agriculture Loan Outstanding - Commercial Banks - Bank-wise

## Annexure- I

|                        |                                | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   | Agriculture (Total Priority Sector)   |
|------------------------|--------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|
|                        |                                | 2013                                  | 2013                                  | 2014                                  | 2014                                  | 2015                                  | 2015                                  |
| Bank Group             | Bank Name                      | No. Of A/Cs (Outstanding )            | Amount O/S (Outstanding )             | No. Of A/Cs (Outstanding )            | Amount O/S (Outstanding )             | No. Of A/Cs (Outstanding )            | Amount O/S (Outstanding )             |
| SBI and its Associates | State Bank of Bikaner & Jaipur | 758867                                | 9187.85                               | 783694                                | 10961.81                              | 788416                                | 11910.39                              |
|                        | State Bank of Hyderabad        | 1462860                               | 14510.56                              | 1551897                               | 16905.63                              | 1589379                               | 19044.23                              |
|                        | State Bank of India            | 11523843                              | 124834.34                             | 11356931                              | 154715.00                             | 11275217                              | 128428.01                             |
|                        | State Bank of Mysore           | 414418                                | 6324.62                               | 449456                                | 7462.97                               | 517127                                | 10642.77                              |
|                        | State Bank of Patiala          | 350588                                | 8672.78                               | 421534                                | 13199.32                              | 411701                                | 13732.42                              |
|                        | State Bank of Travancore       | 1047811                               | 10323.61                              | 1290986                               | 13164.70                              | 1298766                               | 11975.09                              |
| Nationalised Banks     | Allahabad Bank                 | 1362947                               | 17688.20                              | 1486409                               | 21922.43                              | 1557005                               | 24679.42                              |
|                        | Andhra Bank                    | 1707867                               | 16450.57                              | 2008730                               | 20894.02                              | 1852055                               | 19892.22                              |
|                        | Bank of Baroda                 | 1666083                               | 27663.11                              | 1768198                               | 31672.36                              | 1939542                               | 37403.29                              |
|                        | Bank of India                  | 2408652                               | 27041.56                              | 2807134                               | 40210.34                              | 2959275                               | 43182.12                              |
|                        | Bank of Maharashtra            | 507825                                | 7972.50                               | 767504                                | 10276.07                              | 677351                                | 12079.59                              |
|                        | Bhartiya Mahila Bank           |                                       | 0.00                                  |                                       | 0.00                                  | 122                                   | 27.05                                 |
|                        | Canara Bank                    | 4034953                               | 40786.85                              | 4851701                               | 48797.09                              | 5300725                               | 58867.46                              |
|                        | Central Bank of India          | 2001170                               | 24657.57                              | 2259182                               | 35386.24                              | 2476556                               | 35956.91                              |
|                        | Corporation Bank               | 514592                                | 9465.82                               | 700229                                | 15582.00                              | 829860                                | 19675.11                              |
|                        | Dena Bank                      | 396661                                | 6718.81                               | 485514                                | 10799.80                              | 537996                                | 12311.78                              |
|                        | IDBI Bank Ltd.                 | 170983                                | 8170.69                               | 149480                                | 26734.22                              | 536728                                | 35834.51                              |
|                        | Indian Bank                    | 1967096                               | 17000.53                              | 2269164                               | 19232.10                              | 2676540                               | 20738.83                              |
|                        | Indian Overseas Bank           | 2230487                               | 23392.80                              | 2449081                               | 26990.09                              | 2674220                               | 29236.27                              |

|                      | Oriental Bank of Commerce   |   591530 |   17881.41 |   601578 |   17691.51 |   608737 |   22541.44 |
|----------------------|-----------------------------|----------|------------|----------|------------|----------|------------|
|                      | Punjab and Sind Bank        |   174400 |    5228.04 |   194186 |    7898.68 |   211886 |    6791.6  |
|                      | Punjab National Bank        |  3007600 |   38055.4  |  3336655 |   56045.4  |  3640771 |   60006.6  |
|                      | Syndicate Bank              |  1660221 |   20155.9  |  1841826 |   22110.7  |  2047827 |   26205.4  |
|                      | UCO Bank                    |  1124107 |   12625.1  |  1209932 |   18141.6  |  1152436 |   19687    |
|                      | Union Bank of India         |  1476741 |   20223.7  |  1814898 |   32921.6  |  2166422 |   39312.4  |
|                      | United Bank of India        |   867420 |    9569.4  |   912052 |   12297.5  |   872275 |   11441.3  |
|                      | Vijaya Bank                 |   517448 |    7098.89 |   567916 |   10527.4  |   631947 |   11973.9  |
| Private Sector Banks | Axis Bank                   |   470374 |   14098.8  |   323324 |   24330.9  |   417630 |   30328.9  |
|                      | Catholic Syrian Bank        |    53044 |     497.87 |    49915 |     428.25 |   113691 |     844.58 |
|                      | City Union Bank             |   340932 |    2397.84 |   391921 |    3102.55 |   391016 |    3009.82 |
|                      | Development Credit Bank     |    20004 |     580.9  |    10675 |    1108.53 |    20001 |    1534.64 |
|                      | Dhanlaxmi Bank              |   138557 |    1404.13 |   102212 |    1677.03 |    93191 |    1595.34 |
|                      | Federal Bank                |   272490 |    4699.94 |   321568 |    8054.36 |   419923 |    9535.74 |
|                      | HDFC Bank                   |   913490 |   29168.9  |   988215 |   44597.7  |  1170896 |   53314.8  |
|                      | ICICI Bank                  |  1061924 |   19186.2  |  1233667 |   40552.9  |  1510120 |   49755.3  |
|                      | Indusind Bank               |   584366 |    4347.5  |   777991 |    6647.37 |  1044523 |    7984.73 |
|                      | ING Vysya Bank              |    68135 |    3524.3  |    43550 |    7077.52 |    39764 |    8134.22 |
|                      | Jammu & Kashmir Bank        |   288039 |    3736.39 |   359083 |    6525.14 |   375559 |    7452.75 |
|                      | Karnataka Bank              |   264548 |    3903.35 |   305811 |    6185.53 |   301134 |    5919.52 |
|                      | Karur Vysya Bank            |   598985 |    5194.32 |   676659 |    6264.6  |   674879 |    6477.81 |
|                      | Kotak Mahindra Bank         |   143693 |    6175.77 |   171522 |    8002.35 |   499877 |    9919.84 |
|                      | Lakshmi Vilas Bank          |   252362 |    2286.35 |   278337 |    2462    |   284165 |    2412.56 |
|                      | Nainital Bank               |    10757 |     366.15 |    12479 |     406.5  |    13214 |     464.22 |
|                      | Ratnakar Bank               |   276134 |     826.46 |   330014 |    1364.95 |   410103 |    1985.28 |
|                      | South Indian Bank           |   163028 |    2259.37 |   234175 |    4556.59 |   286289 |    6281.8  |

| Tamilnad Mercantile Bank   |   417563 |   2902.08 |   445195 |   3103.91 |   356894 |   2107.68 |
|----------------------------|----------|-----------|----------|-----------|----------|-----------|
| Yes Bank                   |   416893 |   5976.49 |  1162259 |     10539 |  1847164 |     13729 |
| TOTAL                      | 50702488 | 645234    | 56554439 |    889528 | 61500915 |    966366 |

Agriculture Loan Outstanding - Commercial Banks - State/UT-wise

Annexure- II

(No. of A/cs in actual and amount in

|                      | 2013           | 2013     | 2014           | 2014      | 2015           | 2015      |
|----------------------|----------------|----------|----------------|-----------|----------------|-----------|
|                      | No. of A/c O/S | Amt O/S  | No. of A/c O/S | Amt O/S   | No. of A/c O/S | Amt O/S   |
| Andamans             | 7097           | 68.26    | 4381           | 62.49     | 7824           | 83.67     |
| Andhra Pradesh       | 9265534        | 98803.98 | 10290618       | 112064.06 | 9829209        | 110945.00 |
| Arunachal Pradesh    | 16530          | 114.04   | 13342          | 142.93    | 15449          | 139.05    |
| Assam                | 723404         | 4385.24  | 849042         | 5369.95   | 847934         | 5667.41   |
| Bihar                | 1962638        | 14477.91 | 2215288        | 20923.22  | 2563305        | 20916.16  |
| Chandigarh           | 17876          | 2620.92  | 11675          | 2196.86   | 9088           | 1774.98   |
| Chattisgarh          | 330564         | 5621.66  | 325103         | 5933.00   | 368774         | 6363.84   |
| Dadra & Nagar Haveli | 1906           | 22.61    | 2224           | 35.81     | 2590           | 48.59     |
| Daman & Diu          | 683            | 9.67     | 1788           | 43.00     | 1130           | 16.87     |
| Delhi                | 41214          | 10178.94 | 86661          | 15583.04  | 22685          | 13147.38  |
| Goa                  | 48530          | 787.59   | 47483          | 810.08    | 55611          | 869.05    |
| Gujarat              | 1686150        | 31552.23 | 1642827        | 33991.49  | 1877148        | 41579.17  |
| Haryana              | 838013         | 24379.58 | 874762         | 31955.85  | 986779         | 37536.19  |
| Himachal Pradesh     | 270956         | 3459.15  | 275483         | 4369.80   | 299012         | 4919.76   |
| Jammu & Kashmir      | 325251         | 3105.69  | 399331         | 6145.90   | 423120         | 7267.09   |
| Jharkhand            | 766814         | 4179.94  | 927595         | 4727.54   | 1013904        | 4975.88   |
| Karnataka            | 3268857        | 50011.24 | 3753537        | 68610.68  | 4131912        | 84252.62  |
| Kerala               | 3537770        | 40246.04 | 4382173        | 49804.93  | 4593256        | 55204.93  |
| Lakshadweep          | 2289           | 6.91     | 2584           | 11.31     | 1609           | 5.64      |
| Madhya Pradesh       | 2115618        | 31954.78 | 2058877        | 38228.73  | 2419262        | 43534.55  |
| Maharashtra          | 3506326        | 57378.74 | 3999506        | 174313.63 | 4507532        | 176074.67 |

Rs.crores)

| Manipur       |    38361 |    384.33 |    36974 |    387.83 |    39550 |    333.12 |
|---------------|----------|-----------|----------|-----------|----------|-----------|
| Meghalaya     |    48901 |    304.42 |    50608 |    389.31 |    70420 |    408.26 |
| Mizoram       |    14890 |    118.16 |    33184 |    142.89 |    18376 |    132.3  |
| Nagaland      |    51740 |    236.99 |    77073 |    284.88 |    43160 |    252.88 |
| Orissa        |  1493595 |  10359.2  |  1662739 |  10362.3  |  1655378 |  10524.1  |
| Puducherry    |   125915 |   1252.6  |   216846 |   1449.55 |   174167 |   1488.69 |
| Punjab        |  1097125 |  38700    |  1222232 |  50098.3  |  1329686 |  54671.8  |
| Rajasthan     |  2226016 |  34605.1  |  2426828 |  41005.7  |  2788597 |  50227.7  |
| Sikkim        |     7821 |     87.44 |     8693 |    121.89 |     9613 |    125.38 |
| Tamil Nadu    |  9872308 |  94797.8  | 10772077 | 107280    | 12497073 | 116838    |
| Tripura       |   105341 |    515.01 |   107406 |    697.09 |   115038 |    606.64 |
| Uttarakhand   |   327306 |   6685.81 |   411024 |   6982.11 |   743364 |  11863.5  |
| Uttar Pradesh |  4753734 |  50405.3  |  5382045 |  64588.1  |  5672983 |  70863.8  |
| West Bengal   |  1805415 |  23416.5  |  1982430 |  30414.4  |  2366377 |  32706.8  |
| Total         | 50702488 | 645234    | 56554439 | 889528    | 61500915 | 966366    |

Annexure-III Agriculture Loan/Advances outstanding position as at the end of March

## 2013 - Cooperative Banks/RRBs

| S.No.             | STATE   | Cooperative Banks   | Cooperative Banks   | Regional Rural Banks   | Regional Rural Banks   |
|-------------------|---------|---------------------|---------------------|------------------------|------------------------|
| S.No.             | STATE   | No. of A/c.         | Amount (Rs. Crore)  | No. of A/c.            | Amount (Rs. Crore)     |
| 1 UT              |         |                     |                     |                        | CHANDIGARH             |
| NEW DELHI         | 323     | 3.22                |                     |                        | 2                      |
| HARYANA           | 4504179 | 11532.63            | 320257              | 3850.32                | 3                      |
| HIMACHAL PRADESH  | 98399   | 1010.3              | 60154               | 295.44                 | 4                      |
| JAMMU &KASHMIR    | 1941    | 28.93               | 70531               | 705.31                 | 5                      |
| PUNJAB            | 1324043 | 10123.48            | 133566              | 2370.69                | 6                      |
| RAJASTHAN         | 1282430 | 9584.17             | 665084              | 7432.54                | 7                      |
| ARUNACHAL PRADESH | 265     | 1.81                | 3526                | 8.88                   | 8                      |
| ASSAM             | 51230   | 69.34               | 315027              | 1148.07                | 9                      |
| MANIPUR           | 6228    | 62.47               | 6364                | 15.49                  | 10                     |
| MEGHALAYA         | 41034   | 59.61               | 11812               | 43.34                  | 11                     |
| MIZORAM           | 675     | 17.04               | 14315               | 82.56                  | 12                     |
| NAGALAND          | 188     | 0.21                | 958                 | 3.28                   | 13                     |
| TRIPURA           | 43960   | 96.79               | 138426              | 248.25                 | 14                     |
| SIKKIM            | 6314    | 10.62               |                     |                        | 15                     |
| BIHAR             | 1051654 | 1220.65             | 1442553             | 5640.88                | 16 17                  |
| JHARKHAND         |         |                     | 417691              | 652.3                  |                        |
| ORISSA            | 386175  | 5438.02             | 739645              | 2871.22                | 18                     |
| WEST BENGAL       | 1219268 | 2195.25             | 648924              | 2395.5                 | 19                     |
| A&NISLAND         | 1097    | 7.27                | 0                   | 0                      | 20                     |
| MADHYA PRADESH    | 4701458 | 9582.03             | 595341              | 5059.71                | 21                     |

| 22             | CHATTISGARH   | 961030   | 1936.27   | 299671   |   889.45 |
|----------------|---------------|----------|-----------|----------|----------|
| UTTAR PRADESH  | 5546193       | 8108.39  | 2956328   | 13622.39 |     23   |
| UTTARAKHAND    | 2626230       | 10974.54 | 610234    | 3604.17  |     24   |
| GUJARAT        | 1330440       | 7717.46  | 307422    | 2054.38  |     25   |
| D &NHAVELI UT  |               |          |           |          |     26   |
| DAMAN &DIU UT  |               |          |           |          |     27   |
| GOA            | 4987          | 47.2     |           |          |     28   |
| MAHARASHTRA    | 2413192       | 16214.6  | 294609    | 1862.72  |     29   |
| ANDHRA PRADESH | 2305538       | 8009.41  | 2256074   | 11964.57 |     30   |
| KARNATAKA      | 2278134       | 7911.72  | 856812    | 6363.94  |     31   |
| KERALA         | 895933        | 3265.5   | 689878    | 3507.27  |     32   |
| LAKSHADWEEP UT |               |          |           |          |     33   |
| PONDICHERRY    | 6338          | 16.38    | 24736     | 138.03   |     34   |
| TAMILNADU      | 1066400       | 4677.58  | 464893    | 2668.84  |     35   |
| TOTAL          |               | 34155276 | 119922.89 | 14344831 |  79499.5 |

Source: NABARD

Annexure-IV

## Agriculture Loan/Advances outstanding position as at the end of March 2014 - Cooperative Banks/RRBs

| S.No.               |         | Cooperative Banks   | Cooperative Banks   | Regional Rural Banks   | Regional Rural Banks   |
|---------------------|---------|---------------------|---------------------|------------------------|------------------------|
| STATE               |         | No. of A/c.         | Amount (Rs. Crore)  | No. of A/c.            | Amount (Rs. Crore)     |
| 1 CHANDIGARH UT 2   |         |                     |                     |                        |                        |
| DELHI               | 387     | 5.06                |                     |                        |                        |
| 3 HARYANA           | 1593981 | 8899.30             | 303596              |                        | 4185.25                |
| HIMACHAL PRADESH    | 106159  | 1194.24             | 62234               | 350.73                 | 4                      |
| JAMMU & KASHMIR     | 2179    | 37.25               | 90652               | 368.29                 | 5 6                    |
| PUNJAB              | 1354065 | 10939.07            | 157355              | 2799.83                |                        |
| 7 RAJASTHAN         | 1413689 | 12715.13            | 676351              | 8114.58                |                        |
| 8 ARUNACHAL PRADESH | 199     | 4.04                | 3573                | 14.07                  |                        |
| 9 ASSAM             | 55845   | 71.95               | 393621              | 1443.22                |                        |
| MANIPUR             |         |                     | 8343                |                        | 19.53                  |
| MEGHALAYA           | 23677   | 54.78               | 16746               | 73.57                  | 10 11                  |
| MIZORAM             | 2207    | 41.83               | 13723               | 96.14                  | 12 13                  |
| NAGALAND            |         |                     | 1334                |                        | 4.32                   |
| SIKKIM              | 7255    | 12.07               |                     |                        | 14 15                  |
| TRIPURA             | 55937   | 294.80              | 179675              |                        | 343.46                 |
| A &NISLAND          | 12852   | 99.02               |                     |                        | 20 16                  |
| BIHAR               | 1208030 | 1055.16             | 1692080             | 7145.83                |                        |
| 17 JHARKHAND        | 10555   | 18.48               | 457732              |                        | 775.11                 |
| 18 ODISHA           | 1208540 | 6304.53             | 765252              |                        | 2966.01                |
| 19 WEST BENGAL      | 1311681 | 2498.07             | 697261              |                        | 2782.65                |

| 22             | CHHATTISGARH   | 857564    | 1961.36   | 305685   | 1024.62   |
|----------------|----------------|-----------|-----------|----------|-----------|
| MADHYA PRADESH | 4733949        | 11805.67  | 368314    | 4241.99  | 21        |
| UTTARAKHAND    | 2425260        | 10052.29  | 822199    | 4348.54  | 24        |
| UTTAR PRADESH  | 4410496        | 8421.38   | 3596184   | 18863.77 | 23        |
| D &NHAVELI UT  |                |           |           |          | 26        |
| DAMAN &DIU UT  | 29             | 0.68      |           |          | 27        |
| GOA            | 12840          | 81.72     |           |          | 28        |
| GUJARAT        | 737994         | 9149.43   | 312055    | 2347.14  | 25        |
| MAHARASHTRA    | 2149025        | 20730.11  | 252539    | 1924.03  | 29        |
| ANDHRA PRADESH | 2817982        | 9825.96   | 2298544   | 14391.42 | 30        |
| TELANGANA*     |                |           |           |          | 31        |
| KARNATAKA      | 2345304        | 9162.00   | 1318084   | 11455.27 | 32        |
| KERALA         | 975397         | 4443.39   | 857611    | 4783.58  | 33        |
| LAKSHADWEEP UT |                |           |           |          | 34        |
| PUDUCHERRY     | 6445           | 14.82     | 34175     | 199.90   | 35        |
| TAMILNADU      | 1111220        | 5351.50   | 476117    | 3143.88  | 36        |
| TOTAL          | 30950743       | 135245.09 | 16161035  | 98206.73 |           |

Source:NABARD

## Annexure-V

## Agriculture Loan/Advances outstanding position as at the end of March 2015 - Cooperative Banks/RRBs

| S.No.             | STATE   | Cooperative Banks   | Cooperative Banks   | Regional Rural Banks   | Regional Rural Banks   |
|-------------------|---------|---------------------|---------------------|------------------------|------------------------|
| S.No.             | STATE   | No. of A/c.         | Amount (Rs. Crore)  | No. of A/c.            | Amount (Rs. Crore)     |
| CHANDIGARH UT     | 0       |                     | 0.00                | 0                      | 1 0.00                 |
| DELHI             |         | 327                 | 5.29                | 0                      | 2 0.00                 |
| HARYANA           | 1581522 |                     | 9393.44             | 312683                 | 3 2754.29              |
| HIMACHAL PRADESH  | 110764  | 1340.00             |                     | 63103                  | 4 413.24               |
| JAMMU & KASHMIR   | 2306    | 50.66               | 80615               |                        | 5 566.59               |
| PUNJAB            | 1272897 | 11652.74            | 174207              | 9118.31                | 2977.61                |
| RAJASTHAN         | 1953844 | 14857.33            | 668418              |                        | 6 7 8                  |
| ARUNACHAL PRADESH | 216     | 4.40                | 3784                |                        | 30.90                  |
| ASSAM             | 58344   | 69.04               |                     | 411302                 | 9 1617.46              |
| MANIPUR           | 51      | 0.14                |                     | 9829                   | 10 24.03               |
| MEGHALAYA         | 34761   | 97.64               |                     | 19249                  | 11 93.59               |
| MIZORAM           | 3008    | 114.62              |                     | 20933                  | 12 102.12              |
| NAGALAND          | 9375    | 44.53               |                     | 1014                   | 13 3.06                |
| SIKKIM            | 8201    | 12.55               |                     | 0                      | 14 0.00                |
| TRIPURA           | 99426   | 508.33              |                     | 182943                 | 15 364.77              |
| A &NISLAND        | 5222    | 36.15               |                     | 0                      | 20 0.00                |
| BIHAR             | 1366049 |                     | 13452.02            | 1854553                | 16 7011.14             |
| JHARKHAND         | 15387   | 43.00               |                     | 410198                 | 17 953.62              |
| ODISHA            | 3061148 | 7070.96             |                     | 725747                 | 18 3195.74             |
| WEST BENGAL       | 1876558 | 4071.43             |                     | 707387                 | 19 3106.40             |
| CHHATTISGARH      | 1008436 |                     | 2869.60             | 327080                 | 22 1115.42             |

| 21             | MADHYA PRADESH   | 5160553           | 12040.75   |          571080 |   6537.53 |
|----------------|------------------|-------------------|------------|-----------------|-----------|
| UTTARAKHAND    | 202833           | 926.33            | 71462      |   440.5         |        24 |
| UTTAR PRADESH  | 4230399          | 9667.22           | 3734574    | 25001.2         |        23 |
| D &NHAVELI UT  | 0                | 0.00              | 0          |     0           |        26 |
| DAMAN &DIU UT  | 0                | 0.00              | 0          |     0           |        27 |
| GOA            | 6386             | 88.91             | 0          |     0           |        28 |
| GUJARAT        | 1299527          | 11373.20          | 312950     |  2722.8         |        25 |
| MAHARASHTRA    | 2445074          | 23091.07          | 477188     |  3461.32        |        29 |
| ANDHRA PRADESH | 1046802          | 6065.72           | 1445370    | 11200.6         |        30 |
| TELANGANA*     | 535064           | 3189.11           | 922509     |  5648.07        |        31 |
| KARNATAKA      | 2341450          | 11336.29          | 1430198    | 13486.5         |        32 |
| KERALA         | 1295231          | 4745.26           | 1050387    |  6102.41        |        33 |
| LAKSHADWEEP UT | 0                | 0.00              | 0          |     0           |        34 |
| PUDUCHERRY     | 6485             | 14.07             | 47822      |   264.85        |        35 |
| TAMILNADU      | 2187364          | 6054.80 154286.62 | 744260     |  4289.55        |        36 |
| TOTAL          |                  | 33225010          |            |     1.67808e+07 |    112604 |

* Loan Outstanding data reported separately for Telangana State by Cooperative Banks, RRBs after bifurcation of Andhra Pradesh

Source: NABARD