THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI NAMO NARAIN MEENA)
(a) to (e): The State-wise details of the loans disbursed by Scheduled Commercial Banks,
Regional Rural Banks and Cooperative Banks during the last three years i.e. 2008-09,
2009-10, 2010-11 and current financial year 2011-12(upto 30th Sept., 2011) are given
in Annex-I, Annex-II, Annex-III and Annex-IV respectively.
The details of NPAs on Agriculture loan outstanding of Scheduled Commercial Banks for
the last reporting Friday of March are as under:
(Amount Rs. in crore)
Year, March NPAs in Agriculture Outstanding adv. Percentage of NPAs sector(amt. in crore) to Agriculture to Agri outstanding
2008 9735 308086.79 3.1
2009 7149 375594.91 1.9
2010 10353 463321.44 2.2
2011(prov) 16659 507182.93 3.3
Bank-wise/State-wise data are not maintained by RBI.
To redress the complaints RBI has issued instructions to all banks for putting in place a
four tier institutional arrangement consisting of (i) Customer Service Committee of the
Board, (ii) Standing Committee on Customer Service, (iii) a nodal department/office for
customer service at the Head Office and Controlling Offices and(iv) a Customer Service
Committee at the branch level.
Complaints of various types, including complaints on denial of loans by banks received by
the Government are forwarded to the concerned Bank for redressal.
The Government of India has taken several measures for the availability of credit to farmers
through banks. These include:
(i) The Interest Subvention Scheme is being implemented by the Government of India since
2006-07 to make short-term crop loans upto Rs. 3 lakh for a period of one year available
to farmers at the interest rate of 7 percent per annum. The Government of India has since
2009-10 been providing additional interest subvention to prompt payees farmers, i.e.,
those who repay their loan in time. The additional subvention was 1% in 2009-10 and 2%
in 2010-11. This is being increased to 3% in 2011-12.
(ii) The Agricultural Debt Waiver and Debt Relief Scheme (ADWDRS), 2008 has de-clogged
the lines of credit that were clogged due to the debt burden on the farmers.
(iii) Banks have been advised to dispense with the requirement of “no dues†certificates
for small loans up to Rs 50,000 to small and marginal farmers, share-croppers and the like
and instead obtain a self-declaration from the borrower.
(iv) Reserve Bank of India (RBI) has advised banks to waive margin/security requirements
for agricultural loans upto Rs 1,00,000.
(v) To extend the reach of banking facilities to the rural hinterland, banks have identified
approximately 73,000 villages with population of more than 2000 to provide banking facilities
by March, 2012. As per reports received from State Level Bankers Committee (SLBC) Convener
Banks, over 45,000 such villages have been covered.
(vi) General permission has been granted to domestic Scheduled Commercial Banks (other than
RRBs) to open branches/mobile branches/Administrative Offices/CPCs (Service 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.
