Lok Sabha Question No. 1426 (UNSTARRED), answered on 2026-02-09
Subject: Agricultural Loan by Public and Private Sector Banks
Ministry: FINANCE
Asked by: Shri Anup Sanjay Dhotre

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

## LOK SABHA UNSTARRED QUESTION NO. 1426

ANWERED ON MONDAY, 09 FEBRUARY, 2026/MAGHA 20, 1947 (SAKA)

## Agricultural Loan by Public and Private Sector Banks

1426. Shri Anup Sanjay Dhotre:

Will the Minister of FINANCE be pleased to state:

(a)  whether  the  Government  is  aware  of  the  fact  that  the  gap  between  disbursement  of agricultural loan by Public and Private Sector Banks (PSBs) has widened in the country during the last three financial years and the current year, if so, the details thereof along with the reasons therefor, year, bank-wise and State/UT-wise;

- (b) whether the Government has received complaints against PSBs for denial or showing reluctance for agricultural loan to the farmers across the country during the said period;
- (c) if so, the details thereof along with the action taken/being taken by the Government on such complaints so far, bank-wise and State/ UT-wise;
- (d) the details of loans settled by farmers under one-time settlement scheme along with its impact on Non-Performing Assets of the Banks; and

(e) the steps being taken by the Government to bring transparency in disbursing agricultural loan to the farmers?

## ANSWER

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

(a) Over the last three years, total agricultural advances of Public Sector Banks and Private Sector  Banks  (including  Small  Finance  Banks)  have  recorded  a  CAGR  of  26%,  and  11% respectively. As reported by Reserve Bank of India (RBI), the bank-wise/bank-group-wise and state-wise data on agricultural advances disbursed  during Financial Year 2022-2023 to 20242025 are provided in Annexure-I and Annexure-II .

(b)  and  (c)  The  Government  of  India  and  the  RBI  have  undertaken  various  initiatives  to improve customer service and strengthen grievance redressal mechanisms in banks, including issuing  customer  service  guidelines  and  implementing  the  Reserve  Bank  -  Integrated Ombudsman Scheme, 2021. Additionally,  the  Centralized  Public  Grievance  Redressal  and Monitoring System (CPGRAM) portal is available for citizens, including bank customers, to lodge grievances with public authorities regarding service delivery.

(d) The details of loans settled by farmers under one-time settlement scheme is not maintained by RBI. It has further stated that an increase in NPAs may be attributed to a confluence of factors,  including  prevailing  macroeconomic  conditions,  sectoral  issues,  global  business environment,  etc.  Reserve  Bank  has  taken  several  initiatives  aimed  at  resolution  of  longstanding stressed assets as well as for timely identification and rectification of stress, with the banks' Boards entrusted with the responsibility of ensuring effective oversight.

(e)  The  Government has taken following measures to bring  transparency and efficiency  in disbursing agricultural loan to the farmers:

- With a view to ensure that all eligible farmers are provided with hassle-free and timely credit for their agricultural operations, the Government has introduced the Kisan Credit Card (KCC) Scheme, which enables farmers to purchase agricultural inputs such as seeds,  fertilizers,  pesticides,  etc.  and  draw  cash  to  satisfy  their  agricultural  and consumption needs. The KCC Scheme has since been simplified and converted into ATM enabled RuPay debit card with, inter alia, facilities of one-time documentation, built-in cost escalation in the limit, any number of drawals within the limit, etc.
- In  order  to  bring  awareness  about  the  benefits  of  the  KCC  scheme  among  farmers, Union/State  Governments,  RBI,  NABARD  and  Banks  conduct  various  awareness programmes and IEC (Information, Education and Communication) campaigns.
- The Jan Samarth portal has been launched as a one-stop digital platform for linking Government-sponsored loans and subsidies Schemes. It provides a quick and efficient way  to  apply  for  loans  and  obtain  approvals  based  on  a  digital  evaluation  of  the applicant's data.
- The Government has launched the Kisan Rin Portal (KRP) in September 2023, enabling Aadhaar-based beneficiary verification and faster digital claim settlements under the Modified Interest Subvention Scheme (MISS) for loans availed through KCC.

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Annexure-I Annexure-I referred to in part (a) of Lok Sabha Un-Starred Question no. 1426 on 'Agricultural Loan by Public and Private Sector Banks'  answered on 09.02.2026

Bank-wise/Bank group-wise data on Agricultural Advances by Public Sector Banks (PSBs) and Private Sector Banks

(Amount in Rs. crore)

| S.No.   | State                        | 2023 Disbursed   | 2024 Amount Disbursed   | 2025 Amount Disbursed   |
|---------|------------------------------|------------------|-------------------------|-------------------------|
| 1       | BANK OF BARODA               | 111518           | 124825                  | 148194                  |
| 2       | BANK OF INDIA                | 61650            | 13949                   | 51037                   |
| 3       | BANK OF MAHARASHTRA          | 9506             | 8921                    | 13193                   |
| 4       | CANARA BANK                  | 194554           | 241919                  | 254536                  |
| 5       | CENTRAL BANK OF INDIA        | 25016            | 33465                   | 41174                   |
| 6       | INDIAN BANK                  | 78844            | 93699                   | 118652                  |
| 7       | INDIAN OVERSEAS BANK         | 38846            | 51559                   | 94548                   |
| 8       | PUNJAB AND SIND BANK         | 2277             | 2674                    | 3439                    |
| 9       | PUNJAB NATIONAL BANK         | 112292           | 102891                  | 138091                  |
| 10      | STATE BANK OF INDIA          | 139940           | 268260                  | 296338                  |
| 11      | UCO BANK                     | 14076            | 18790                   | 13471                   |
| 12      | UNION BANK OF INDIA          | 25286            | 123099                  | 132311                  |
| 13      | PUBLIC SECTOR BANKS (PSBs)   | 813806           | 1084051                 | 1304983                 |
| 14      | PRIVATE SECTOR BANKS (PvtSB) | 642022           | 742327                  | 798223                  |
| 15      | SMALL FINANCE BANKS (SFBs)   | 43250            | 45512                   | 46478                   |
| Total   | Total                        | 14,99,078        | 18,71,891               | 21,49,685               |

Source: RBI

## Annexure-II referred to in part (a) of Lok Sabha Un-Starred Question no. 1426 on 'Agricultural Loan by Public and Private Sector Banks' answered on 09.02.2026

## State-wise data on Agricultural Advances by Public Sector Banks (PSBs) and Private Sector Banks (Amount in Rs. crore)

|       |                                       | 2023             | 2024             | 2025             |
|-------|---------------------------------------|------------------|------------------|------------------|
| S.No. | State                                 | Amount Disbursed | Amount Disbursed | Amount Disbursed |
| 1     | ANDAMAN&NICOBAR                       | 277              | 315              | 468              |
| 2     | ANDHRA PRADESH                        | 127194           | 193317           | 225540           |
| 3     | ARUNACHAL PRADESH                     | 124              | 239              | 305              |
| 4     | ASSAM                                 | 5598             | 7671             | 9748             |
| 5     | BIHAR                                 | 30827            | 38202            | 39527            |
| 6     | CHANDIGARH                            | 3889             | 6065             | 17436            |
| 7     | CHHATTISGARH                          | 15811            | 19546            | 28575            |
| 8     | DADRA&NAGAR HAVELI                    | 191              | -                | -                |
| 9     | DAMAN&DIU                             | 102              | -                | -                |
| 10    | DADRA AND NAGAR HAVELI ANDDAMANANDDIU | -                | 290              | 348              |
| 11    | DELHI                                 | 42299            | 26399            | 32123            |
| 12    | GOA                                   | 1609             | 2082             | 2073             |
| 13    | GUJARAT                               | 67436            | 88507            | 95100            |
| 14    | HARYANA                               | 48832            | 54427            | 59819            |
| 15    | HIMACHAL PRADESH                      | 5317             | 5730             | 6333             |
| 16    | JAMMU&KASHMIR                         | 14254            | 8145             | 8998             |
| 17    | JHARKHAND                             | 16833            | 15509            | 10846            |
| 18    | KARNATAKA                             | 114072           | 148718           | 165662           |
| 19    | KERALA                                | 98346            | 124876           | 138618           |
| 20    | LADAKH                                | -                | 146              | 161              |
| 21    | LAKSHADWEEP                           | 17               | 850              | 51               |
| 22    | MADHYAPRADESH                         | 59406            | 64230            | 82901            |
| 23    | MAHARASHTRA                           | 244428           | 304336           | 350595           |
| 24    | MANIPUR                               | 850              | 485              | 760              |
| 25    | MEGHALAYA                             | 177              | 271              | 359              |
| 26    | MIZORAM                               | 95               | 143              | 152              |
| 27    | NAGALAND                              | 188              | 315              | 401              |
| 28    | ODISHA                                | 23332            | 32529            | 39283            |
| 29    | PUDUCHERRY                            | 3924             | 5164             | 6420             |
| 30    | PUNJAB                                | 59973            | 59363            | 64615            |
| 31    | RAJASTHAN                             | 81234            | 94789            | 97479            |
| 32    | SIKKIM                                | 445              | 602              | 605              |
| 33    | TAMIL NADU                            | 298869           | 376101           | 421566           |
| 34    | TELANGANA                             | 50934            | 90786            | 109152           |
| 35    | TRIPURA                               | 939              | 1184             | 1287             |
| 36    | UTTAR PRADESH                         | 92017            | 101791           | 99033            |
| 37    | UTTARAKHAND                           | 8454             | 8623             | 27539            |
| 38    | WEST BENGAL                           | 35003            | 46914            | 52444            |
|       | Total                                 | 15,53,297        | 19,28,659        | 21,96,319        |