(a) whether the percentage of loans disbursed by the cooperative banks in the agriculture sector have increased over the last few years;
(b) if so, the details thereof, including targets set and achievements made against the targets, State-wise including Andhra Pradesh;
(c) whether the Government has identified any constraints being faced by the Cooperative banks in disbursing loans; and
(d) if so, the details thereof and the action taken by the Government in this regard?
The Minister of State in the Ministry of Finance
(a) &(b): As reported by National Bank for Agriculture & Rural Development (NABARD) the details of agriculture credit disbursed by Cooperative Banks in the last five years is as under:
(In Rs.Crores)
Year Total Agriculture Credit disbursement by Cooperative Banks
2013-14 1,19,964
2014-15 1,38,470
2015-16 1,53,295
2016-17 1,42,758
2017-18* 1,50,321
(*provisional)
The State-wise details of targets and achievements in respect of Cooperative Banks are furnished in Annexure.
(c) & (d): To enable Cooperative Banks to meet the crop loan and term loan requirements of farmers, Government has set up two funds in NABARD, to be met out of the shortfall in priority sector lending targets by commercial banks, as under:
i. Short Term Cooperative Rural Credit (Refinance) Fund: Through this fund NABARD provides concessional short term refinance to Cooperative Banks for their crop loan lending. An amount of Rs.45,000 crore has been allocated for the said Fund during 2018-19.
ii. Long Term Rural Credit Fund (LTRCF): This fund has been set up for the purpose of providing long term refinance support to Cooperative Banks and Regional Rural Banks for their lending towards investment activities in agriculture. Government has allocated of Rs.15,000 crore to this fund during 2018-19.
Annexure to Lok Sabha USQ No. 1987 for 21.12.2018
Agriculture credit disbursement 2017-18 (Provisional)
(Rs. In Lakh)
S.No. State/UT Target Disb. Amt.
1 DELHI 1,200.00 498.01
2 HARYANA 835,000.00 1,007,480.70
3 HIMACHAL PRADESH 145,000.00 920,885.45
4 JAMMU & KASHMIR 25,000.00 1,413.92
5 PUNJAB 1,720,000.00 948,491.92
6 RAJASTHAN 1,850,000.00 1,472,578.81
7 ARUNACHAL PRADESH 10,600.00 2,065.06
8 ASSAM 12,000.00 1,895.13
9 MANIPUR 2,200.00 1,878.43
10 MEGHALAYA 6,500.00 3,439.38
11 MIZORAM 3,500.00 1,293.99
12 NAGALAND 6,200.00 8,788.03
13 SIKKIM 2,800.00 357.97
14 TRIPURA 27,000.00 27,347.93
15 A & N ISLAND 6,000.00 2,760.38
16 BIHAR 95,000.00 254,800.00
17 JHARKHAND 20,000.00 323.17
18 ODISHA 970,000.00 1,112,478.38
19 WEST BENGAL 575,000.00 399,156.60
20 CHHATTISGARH 250,000.00 439,700.30
21 MADHYA PRADESH 1,333,000.00 1,278,750.35
22 UTTARAKHAND 110,000.00 126,044.47
23 UTTAR PRADESH 1,150,000.00 393,281.94
24 GOA 13,500.00 3,422.88
25 GUJARAT 1,470,000.00 1,375,967.88
26 MAHARASHTRA 1,715,000.00 1,188,537.43
27 D & N HAVELI UT 600.00 NA
28 DAMAN & DIU UT 700.00 NA
29 ANDHRA PRADESH 900,000.00 1,108,557.30
30 TELANGANA 500,000.00 565,750.56
31 KARNATAKA 812,500.00 1,161,912.63
32 KERALA 355,000.00 477,199.81
33 PUDUCHERRY 1,700.00 217.03
34 TAMILNADU 675,000.00 744,837.80
TOTAL 15,600,000.00 15,032,113.64
Source: NABARD
NA-not available