Lok Sabha Question No. 1137 (UNSTARRED), answered on 2016-04-29
Subject: Banking Facilities
Ministry: FINANCE
Asked by: PANKAJ CHOWDHARY, SONA RAM CHOUDHARY, MURALI MOHAN MAGANTI

GOVERNMENT  OF  INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK  SABHA UNSTARRED QUESTION  No.  1137

TO BE ANSWERED ON  29 th  APRIL,  2016  (FRIDAY)/VAISAKHA  9, 1938 (SAKA)

## Banking  Facilities

## 1137. SHRI PANKAJ CHAUDHARY:                  COL. SONARAM CHOUDHARY: SHRI  M. MURALI  MOHAN :

- Will the Minister of FINANCE be  pleased to state: (a) whether the   banking   facilities in the country are not adequate in the rural/hilly/border areas and   if so, the reasons therefor; (b) whether the Government has formulated any scheme for expansion of bank branches in the said areas and if so, the details thereof; (c) the number of branches opened in the said areas during  each of the last  three  years, bank and State/UT-wise; and

(d) the steps taken/being taken by the Government to ensure banking facilities to each household of the country?

## Answer The  Minister of State in the Ministry of Finance (SHRI  JAYANT  SINHA)

(a) to (c)   To promote the   objective of   financial   inclusion and   to extend   the   banking   network   in unbanked   areas, general  permission has  been  granted  by  Reserve  Bank of  India (RBI)  to domestic  Scheduled  Commercial  Banks (other  than  Regional Rural  Banks) to  open  branches  (i) in Tier 2 to  Tier 6 centres (with population upto 99,999)  and (ii)  in  rural,  semi-urban and urban centres of the North-Eastern States   and   Sikkim    subject   to   reporting.    RBI   has advised  banks  that  while  preparing  their  Annual  Branch  Expansion  Plan (ABEP),  the  banks  should  allocate  at least  25 percent  of  the  total  number  of  branches  proposed  to be  opened  during  a  year  in  unbanked rural (Tier 5 and Tier 6) centres.

Position of   number of   branches of Scheduled Commercial Banks opened during the last three years State/UT-wise is given in Annexure .

(d) With   a   view   to  increase  banking  penetration  and  promoting  financial  inclusion  and  with  the  main  objective  of covering all households with at least one bank account per household across the country, a National Mission on Financial Inclusion named as  Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched on 28 th  August, 2014 at national level by Hon'ble Prime Minister.  Under  the  Yojana  21.56 crore  accounts have  been opened  till  13.04.2016.

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|                      | 2012-13   |             |       |               |       | 2013-14   | 2013-14     | 2013-14   | 2013-14       |       |
|----------------------|-----------|-------------|-------|---------------|-------|-----------|-------------|-----------|---------------|-------|
| STATE                | RURAL     | SEMI- URBAN | URBAN | METRO POLITAN | TOTAL | RURAL     | SEMI- URBAN | URBAN     | METRO POLITAN | TOTAL |
| ANDAMAN & NICOBAR IS | 4         | 2           |       |               | 6     | 3         | 2           |           |               | 5     |
| ANDHRA PRADESH       | 128       | 146         | 65    | 24            | 363   | 193       | 172         | 108       | 27            | 500   |
| ARUNACHAL PRADESH    | 4         | 5           |       |               | 9     | 4         | 12          |           |               | 16    |
| ASSAM                | 37        | 54          | 28    |               | 119   | 95        | 76          | 43        |               | 214   |
| BIHAR                | 206       | 174         | 37    | 23            | 440   | 292       | 182         | 62        | 59            | 595   |
| CHANDIGARH           | 1         |             | 7     |               | 8     | 1         |             | 20        |               | 21    |
| CHHATTISGARH         | 98        | 67          | 39    |               | 204   | 91        | 75          | 48        |               | 214   |
| DADRA & NAGAR HAVELI | 2         | 4           |       |               | 6     | 2         | 4           |           |               | 6     |
| DAMAN & DIU          |           | 4           |       |               | 4     | 1         | 4           |           |               | 5     |
| GOA                  | 24        | 23          |       |               | 47    | 24        | 31          |           |               | 55    |
| GUJARAT              | 208       | 142         | 41    | 55            | 446   | 348       | 113         | 42        | 120           | 623   |
| HARYANA              | 198       | 82          | 63    | 22            | 365   | 265       | 107         | 137       | 22            | 531   |
| HIMACHAL PRADESH     | 50        | 21          |       |               | 71    | 99        | 21          | 3         |               | 123   |
| JAMMU & KASHMIR      | 77        | 45          | 21    |               | 143   | 114       | 43          | 25        |               | 182   |
| JHARKHAND            | 62        | 68          | 39    | 9             | 178   | 81        | 73          | 38        | 9             | 201   |
| KARNATAKA            | 224       | 151         | 81    | 91            | 547   | 403       | 185         | 152       | 132           | 872   |
| KERALA               | 25        | 298         | 56    |               | 379   | 63        | 264         | 82        |               | 409   |
| LAKSHADWEEP          |           |             |       |               | -     |           | 1           |           |               | 1     |
| MADHYA PRADESH       | 103       | 88          | 44    | 33            | 268   | 205       | 166         | 66        | 60            | 497   |
| MAHARASHTRA          | 170       | 188         | 88    | 173           | 619   | 385       | 216         | 92        | 199           | 892   |
| MANIPUR              | 9         | 5           | 6     |               | 20    | 9         | 8           | 7         |               | 24    |
| MEGHALAYA            | 6         | 9           | 10    |               | 25    | 11        | 15          | 11        |               | 37    |
| MIZORAM              | 5         | 3           | 9     |               | 17    | 2         | 8           | 6         |               | 16    |
| NAGALAND             | 5         | 15          |       |               | 20    | 1         | 14          |           |               | 15    |
| NCT OF DELHI         | 8         | 10          |       | 148           | 166   | 14        | 3           |           | 172           | 189   |
| ODISHA               | 98        | 92          | 37    |               | 227   | 249       | 124         | 81        |               | 454   |

| PUDUCHERRY    | 6     | 5     | 6     |     | 17    | 4     | 4     | 9     |       | 17     |
|---------------|-------|-------|-------|-----|-------|-------|-------|-------|-------|--------|
| PUNJAB        | 285   | 145   | 36    | 31  | 497   | 461   | 144   | 53    | 30    | 688    |
| RAJASTHAN     | 180   | 155   | 75    | 20  | 430   | 266   | 166   | 74    | 41    | 547    |
| SIKKIM        | 7     | 1     |       |     | 8     | 10    | 4     |       |       | 14     |
| TAMIL NADU    | 245   | 255   | 62    | 53  | 615   | 356   | 265   | 110   | 75    | 806    |
| TELANGANA     | 160   | 80    | 24    | 45  | 309   | 126   | 76    | 32    | 102   | 336    |
| TRIPURA       | 26    | 10    | 4     |     | 40    | 16    | 20    | 9     |       | 45     |
| UTTAR PRADESH | 451   | 231   | 118   | 80  | 880   | 1,040 | 265   | 178   | 127   | 1,610  |
| UTTARAKHAND   | 62    | 47    | 17    |     | 126   | 85    | 40    | 24    |       | 149    |
| WEST BENGAL   | 114   | 94    | 48    | 39  | 295   | 192   | 95    | 107   | 54    | 448    |
| ALL INDIA     | 3,288 | 2,719 | 1,061 | 846 | 7,914 | 5,511 | 2,998 | 1,619 | 1,229 | 11,357 |
| Source: RBI   |       |       |       |     |       |       |       |       |       |        |