Parliament Question: Growth in Credit Card Usage in Tamil Nadu

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 3464 ANSWERED ON MONDAY, 10 AUGUST 2026/SHRAVANA 19, 1948 (SAKA) Growth in Credit Card Usage in Tamil Nadu 3464. SHRI NAVASKANI K: Will the Minister of FINANCE be pleased to state: (a) whether the Government has reviewed the growth in credit card issuance and usage by public and private sector banks in Tamil Nadu during the last five years, Bank-wise; (b) the measures taken to promote responsible credit card usage, transparent disclosure of charges and digital payment security in Tamil Nadu; (c) whether financial literacy and consumer awareness programmes on responsible borrowing and timely repayment have been conducted across Tamil Nadu, if so, the details thereof; (d) the initiatives taken by banks to educate customers on cyber fraud prevention and safe digital financial practices in Tamil Nadu; (e) whether the Government proposes to strengthen financial literacy and responsible credit awareness in Ramanathapuram district, particularly among women, youth, fishermen and small entrepreneurs, if so, the details thereof; and (f) the details of consumer awareness and financial counselling initiatives planned to promote informed borrowing and sound household financial management in Ramanathapuram district? ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) As informed by Reserve Bank of India (RBI), state-wise information on credit card issuance and usage is not maintained. However, bank-wise information on advances outstanding towards credit card receivables reported by public and private sector banks is attached as Annexure-I. (b) The RBI has issued “(Commercial Banks - Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025”, which are applicable across the country, including Tamil Nadu. It has mandated explicit customer consent for card issuance, activation, credit limit enhancement and overlimit facilities, while prohibiting unsolicited cards and unilateral upgrades. Card issuers are required to provide clear disclosures through Key Fact Statement and Most Important Terms and Conditions (MITC), including information on interest rates, fees, charges and customer obligations, and to ensure transparency in EMI conversions and interest calculations. Further, RBI has prescribed various measures to enhance digital payment security, including OTP-based card activation, mandatory transaction authentication, customer-controlled transaction settings, 24×7 facilities for reporting unauthorised transactions and immediate blocking of lostor compromised cards. Card issuers are also required to safeguard customer data and comply with security and risk mitigation standards. (c) to (f) The Government and RBI undertake various initiatives to enhance awareness about financial literacy, responsible borrowing, credit discipline and prevention of cyber frauds across the country, including Tamil Nadu. These inter-alia include the following:- i. The Centre for Financial Literacy (CFL) project has been initiated by RBI since 2017 with an objective to adopt community-led innovative and participatory approaches to financial literacy. ii. Financial Literacy Centres (FLCs) established by Lead Banks at the district level, conduct camps for the general public as well as for different target groups viz. farmers, Micro and Small Entrepreneurs, school children, Self Help Groups and Senior Citizens. The camps cover various aspects of financial literacy including responsible borrowing, credit discipline, digital financial literacy, cyber frauds etc. iii. As on date, 128 Centers for Financial Literacy (CFLs) and 75 Financial Literacy Centers (FLCs) are operational in Tamil Nadu. During FY 2025-26, CFLs conducted 92,096 awareness camps and FLCs conducted 10,419 camps covering topics such as responsible borrowing, credit discipline, digital financial literacy, cyber fraud prevention and sound financial management. iv. In Ramanathapuram district, three CFLs and two FLCs are operational. During FY 2025-26, CFLs conducted 2,160 awareness camps and FLCs conducted 809 camps. FLCs in the district also conducted focused camps for small entrepreneurs, youth and women. These programmes cover responsible borrowing, credit discipline, digital financial literacy, cyber fraud prevention and informed financial decision-making. v. RBI also conducts Electronic Banking Awareness and Training (e-BAAT) programmes, Digital Payments Awareness Week, multimedia awareness campaigns on safe digital Banking practices, and dissemination of awareness materials on cyber fraud prevention and digital payment safety in regional languages, including Tamil. *****Annexure – I ‘ANNEXURE REFERRED IN REPLY OF PART A OF LOK SABHA UNSTARRED QUESTION NO. 3464 FOR 10.08.2026 REGARDING GROWTH IN CREDIT CARD USAGE IN TAMIL NADU’ Bank-Wise Information on Advances Outstandings Towards Credit Card - Receivables March March March March March Bank Name 2022 2023 2024 2025 2026 (₹ Crore) (₹ Crore) (₹ Crore) (₹ Crore) (₹ Crore) Bank of India 3.008 7.213 11.935 13.058 10.105 Bank of Maharashtra 73.280 81.270 78.780 75.770 0.000 Canara Bank 492.171 675.296 1,289.620 1,680.431 2,070.104 Central Bank of India 17.420 18.540 1.760 1.470 1.002 Indian Bank 166.426 198.427 380.248 572.846 527.046 Indian overseas Bank 49.303 64.621 67.124 86.975 203.636 Punjab National Bank 317.938 409.018 857.513 1,125.986 1,378.244 Union Bank of India 3.210 915.370 1,533.050 1,475.840 1,476.996 Public Sector Banks 1,122.757 2,369.754 4,220.030 5,032.375 5,667.133 Axis Bank Limited 17,681.460 34,208.570 43,326.580 46,105.750 49,701.960 Bandhan Bank Limited 0.000 0.000 0.014 0.383 12.734 City Union Bank 2.732 7.980 70.986 78.103 128.378 Limited CSB Bank Limited 0.000 20.283 357.207 486.060 448.577 DCB Bank Limited 5.260 0.000 0.000 0.200 67.200 Dhanlaxmi Bank 10.545 13.809 17.221 19.621 20.956 Limited Federal Bank ltd 270.271 1,594.166 2,992.156 3,549.461 4,368.008 HDFC Bank ltd. 71,928.047 79,518.842 92,509.341 108,283.478 112,068.497 ICICI Bank Limited 25,432.998 38,387.241 52,287.684 58,787.546 54,865.324 IDBI Bank Limited 64.123 72.535 82.196 115.685 134.637 IDFC first Bank 2,007.257 3,511.206 5,546.365 7,517.572 9,165.126 Limited IndusInd Bank ltd 5,864.140 8,493.130 10,803.500 11,185.670 9,961.690 Jammu & Kashmir 331.445 374.320 463.020 497.960 532.973 Bank ltd Karur Vysya Bank ltd 5.440 28.137 36.393 37.817 38.543 Kotak Mahindra Bank 6,232.474 10,769.743 14,837.533 14,055.738 12,852.467 ltd. RBL Bank ltd 13,603.653 16,851.646 17,207.485 17,289.975 16,429.696 South Indian Bank ltd 151.357 795.604 1,619.655 1,427.898 1,140.226 Tamilnad Mercantile 0.000 0.001 0.001 3.333 2.790 Bank ltd Yes Bank ltd 2,158.527 3,524.812 5,538.084 7,167.856 8,827.038 Private Sector Banks 145,749.728 198,172.024 247,695.420 276,610.105 280,766.818 *****