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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 2598
ANWERED ON MONDAY, MARCH 09, 2026/ PHALGUNA 18, 1947 (SAKA)
Loan Facilities to Farmers
2598. SHRI RAJA A:
Will the Minister of FINANCE be pleased to state:
(a) the total outstanding loan on farmers in the country and the number of agricultural
households in debt, as on date, State-wise;
(b) whether the Government has made any assessment to identify the reasons for the
indebtedness of farmers;
(c) if so, the details thereof and the action taken by Government to ameliorate the conditions
of farmers;
(d) whether any institutional credit facility is proposed for the farmers in the country, in view
of inadequacy of National Bank for Agriculture and Rural Development (NABARD) financing
to the farmers; and
(e) if so, the details thereof and if not, the reasons therefor?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) As reported by NABARD, the details of outstanding loans under Ground level credit flow
to agriculture in the country as on 31 December 2025 is given at Annexure. Further, as per
National Bank for Agriculture and Rural Development (NABARD)’s All India Rural Financial
Inclusion Survey (NAFIS) 2021-22 report, 55% of agricultural households have availed credit
facility.
(b) to (e) As per NAFIS 2021–22 report, agricultural households have availed credit to meet
capital expenditure, working capital requirement and related expenses so as to sustain and grow
their agricultural operations.
The Government has taken various steps to promote institutional credit among rural
households which inter-alia include annual fixing of ground level agriculture credit targets and
Priority Sector lending targets for banks, access to affordable credit through Kisan Credit Card
(KCC)/ Modified Interest Subvention Scheme (MISS) etc. Further, the Government has also
implemented structured long-term measures to economically empower farmers. These
initiatives include Pradhan Mantri Kisan Samman Nidhi (PM Kisan), Pradhan Mantri Fasal
Bima Yojana (PMFBY), Krishonnati Yojana, Rashtriya Krishi Vikas Yojana (RKVY) etc.
*****Annexure
Annexure referred to in part (a) of Lok Sabha Un-Starred Question no. 2598 on “Loan
Facilities to Farmers” answered on 09.03.2026
Details of outstanding loans under Ground Level Credit (GLC) flow to agriculture as on
31 December 2025 (Provisional)
(Amount in Rs. crore)
S. No. State
Crop Loan Term Loan Total Loan
1 DELHI 3,019.97 26,452.04 29,472.01
2 HARYANA 64,410.55 34,093.91 98,504.45
3 HIMACHAL PRADESH 11,454.33 3,293.90 14,748.23
4 JAMMU and KASHMIR 8,666.86 6,156.83 14,823.69
5 PUNJAB 67,793.18 32,529.52 1,00,322.70
6 RAJASTHAN 1,35,341.57 56,951.67 1,92,293.24
7 CHANDIGARH UT 427.42 2,380.94 2,808.36
8 LADAKH 315.62 177.70 493.32
9 ARUNACHAL PRADESH 382.65 135.11 517.76
10 ASSAM 9,782.84 12,359.40 22,142.24
11 MANIPUR 445.31 846.41 1,291.72
12 MEGHALAYA 1,019.57 272.30 1,291.87
13 MIZORAM 178.06 1,460.68 1,638.73
14 NAGALAND 535.40 326.87 862.28
15 SIKKIM 271.79 128.31 400.10
16 TRIPURA 925.37 3,836.80 4,762.17
17 A and N ISLAND 194.35 264.84 459.19
18 BIHAR 44,001.09 46,318.19 90,319.29
20,626.25
19 JHARKHAND 10,374.04 10,252.21
20 ODISHA 48,159.86 31,537.25 79,697.11
91,006.78
21 WEST BENGAL 38,248.79 52,757.98
22 CHHATTISGARH 19,990.63 14,052.65 34,043.27
23 MADHYA PRADESH 1,11,297.80 59,459.75 1,70,757.55
24 UTTARAKHAND 8,300.68 8,126.20 16,426.88
25 UTTAR PRADESH 1,65,447.64 64,649.05 2,30,096.69
26 GOA 447.67 1,417.48 1,865.15
27 GUJARAT 1,05,097.25 63,363.68 1,68,460.93
28 MAHARASHTRA 1,38,253.69 1,69,040.03 3,07,293.71
29 D and N HAVELI UT 76.75 201.09 277.85
31 ANDHRA PRADESH 2,01,744.41 1,73,510.18 3,75,254.59
32 TELANGANA 95,167.98 80,792.58 1,75,960.56
33 KARNATAKA 88,800.84 1,21,443.63 2,10,244.47
34 KERALA 86,774.19 74,249.32 1,61,023.52
35 PUDUCHERRY 1,765.16 6,511.88 8,277.04
36 TAMILNADU 1,65,075.79 3,41,214.66 5,06,290.45
37 LAKSHADWEEP UT 29.96 23.30 53.25
Grand Total 16,34,219.07 15,00,588.35 31,34,807.42
Data is provisional
Data source: Data submitted by banks on ENSURE portal of NABARD