**Executive Summary**
This document presents the response to an unstarred question in Lok Sabha regarding agricultural loans by Public and Private Sector Banks. It provides data on agricultural advances disbursed by these banks over the past three financial years (2022-2023 to 2024-2025). It also outlines the steps taken by the Government and RBI to improve customer service, address grievances, and enhance transparency in disbursing agricultural loans.
**Key Points / Main Content**
* **Agricultural Advances Data**:
* Over the last three years, Public Sector Banks (PSBs) and Private Sector Banks have recorded a CAGR of 26% and 11% respectively in total agricultural advances.
* Bank-wise/Bank group-wise and State/UT-wise data on agricultural advances disbursed during Financial Year 2022-2023 to 2024-2025 are detailed in Annexure-I and Annexure-II.
* **Grievance Redressal Mechanisms**:
* The Government of India and RBI have undertaken various initiatives to improve customer service and strengthen grievance redressal mechanisms.
* These include issuing customer service guidelines and implementing the Reserve Bank Integrated Ombudsman Scheme, 2021.
* The Centralized Public Grievance Redressal and Monitoring System (CPGRAM) portal allows citizens, including bank customers, to lodge grievances.
* **One-Time Settlement Schemes**:
* Details of loans settled by farmers under one-time settlement schemes are not maintained by RBI.
* RBI attributes the increase in NPAs to various factors such as macroeconomic conditions, sectoral issues, and the global business environment.
* RBI has initiated several measures to resolve stressed assets, entrusting banks' Boards with effective oversight.
* **Measures for Transparency and Efficiency**:
* The Government introduced the Kisan Credit Card (KCC) Scheme to provide farmers with hassle-free and timely credit.
* The KCC Scheme has been simplified and converted into an ATM-enabled RuPay debit card with various features like one-time documentation.
* Union/State Governments, RBI, NABARD, and Banks conduct awareness programs about the KCC scheme.
* The Jan Samarth portal has been launched as a one-stop digital platform for linking Government-sponsored loan and subsidies Schemes.
* The Kisan Rin Portal (KRP) was launched in September 2023 to enable Aadhaar-based beneficiary verification and faster digital claim settlements under the Modified Interest Subvention Scheme (MISS) for loans availed through KCC.
**Impact Analysis**
**Stakeholder: Farmers**
* **Impact**: Improved access to agricultural loans, streamlined grievance redressal, and enhanced transparency in the loan disbursement process. The Kisan Credit Card (KCC) scheme enables farmers to purchase agricultural inputs and draw cash for their needs.
* **Action Required**: Utilize the KCC scheme, Jan Samarth portal, and Kisan Rin Portal (KRP) to access loans and subsidies. Lodge grievances through the CPGRAM portal if needed.
**Stakeholder: Public and Private Sector Banks**
* **Impact**: Increased responsibility for disbursing agricultural loans efficiently and transparently. Banks are also responsible for overseeing the implementation of various government schemes like the KCC.
* **Action Required**: Implement customer service guidelines, participate in awareness programs, and ensure effective oversight in resolving stressed assets.
**Stakeholder: Reserve Bank of India (RBI)**
* **Impact**: Oversight and regulation of agricultural lending practices. Responsibility for grievance redressal and monitoring of Non-Performing Assets (NPAs).
* **Action Required**: Continue to monitor and regulate the agricultural lending practices of banks, implement grievance redressal mechanisms, and work towards resolving stressed assets.
Key Entities Referenced
Kisan Credit Card (KCC) Scheme: A scheme enabling farmers to purchase agricultural inputs and draw cash for their needs.
Reserve Bank of India (RBI): The central bank of India, involved in regulating and monitoring agricultural loans.
Agricultural Loan: Loans disbursed by Public and Private Sector Banks for agricultural purposes.
Ministry of Finance: The ministry responsible for answering questions related to agricultural loans.
Centralized Public Grievance Redressal and Monitoring System (CPGRAM): A portal for citizens to lodge grievances with public authorities.
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 2024-
2025 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 long-
standing 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.
*****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)
2023 2024 2025
S.No. State
Amount Disbursed Amount Disbursed 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 14,99,078 18,71,891 21,49,685
Source: RBIAnnexure-II
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 - -
DADRA AND NAGAR HAVELI
-
10 AND DAMAN AND DIU 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 MADHYA PRADESH 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
Source: RBI