THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI NAMO NARAIN MEENA)
(a) The Reserve Bank of India (RBI) maintains data on outstanding credit
of Scheduled Commercial Banks (SCBs) to public, private corporate and
household sectors and not on loans disbursed to different sectors of
the economy. The outstanding credit of SCBs to Private Corporate Sector
during the last three years is as under.
(Rs.in lakhs)
Organisation As on March, As on March, As on March, 2008 2009 2010
Private Corporate Sector 859483.94 1076923.90 1314178.87
(b) to (f): Data on actual recoveries from Non Performing Assets (NPA)
made by SCBs during the last three years are given below.
(in Rs. crore)
2008-09 2009-10 2010-11
Actual ecoveries 15189 14302 19407
The RBI vide its circular dated July 28, 1995 has advised banks to have
documents of loan policy, loan recovery policy etc. prepared and duly
vetted by their respective Boards of Directors. In case the loan account
is classified as NPA, bank may adopt various procedures to ensure recovery
of the outstanding amount. The follow up on the loans and advances
disbursed is the primary responsibility of the concerned bank. Measures
taken by the banks may vary from bank to bank and account to account. RBI
has advised banks from time to time to take effective measures to strengthen
the credit appraisal and post credit monitoring to arrest the incidence of
NPAs. RBI examines the quality of advances portfolio during the course of
inspection of banks.
