Parliament Question: Loan provided by Nationalised and Private Banks

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 3771 ANSWERED ON MONDAY, MARCH 16, 2026/PHALGUNA 25, 1947 (SAKA) Loan provided by Nationalised and Private Banks 3771. SHRI ANIL YESHWANT DESAI: Will the Minister of FINANCE be pleased to state: (a) the total amount of loan provided by nationalised and private banks to businessmen during the last five years; (b) the guidelines issued by Reserve Bank of India to be observed by banks before granting of loan and whether private banks are also required to follow such guidelines, if so, the details thereof; and (c) the procedure to be followed for the refund of loan amount and whether there is any differential procedure for the recovery of big and small amount of loans, if so, the details thereof? ANSWER THE MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY) (a): Reserve Bank of India (RBI) has apprised that information regarding loans provided to businessmen by Public Sector Banks and Private Sector Banks is not maintained at it. However, RBI publishes data of outstanding credit by occupation under Basic Statistical Return-I, which includes loans to industry, transport operators, professional and other services, trade, finance, personal, agriculture and others. Accordingly, occupation-wise outstanding credit of Public Sector Banks and Private Sector Banks, for last 5-years is at annexure. (b) and (c): RBI has apprised that it has deregulated the credit related matters of banks, including, inter alia, lending norms, procedures, recovery of loans and other operational processes, to enable progressive deregulation of credit environment. However, guidelines and directions are periodically issued by RBI to banks for guidance on credit appraisal, exposure limits, application of risk weights, statutory restrictions in lending, pricing of loan and, role of boards in managing and monitoring loan portfolio. All banks, including private banks, are required to adhere to statutory and regulatory guidelines/directions issued by RBI. Further, repayment of loan is to be made as per terms and conditions agreed between bank and the borrower for the specified loan. Banks have recourse to recover the loans through different mechanisms, including, inter alia, Debt Recovery Tribunals, provisions of the SARFAESI Act, 2002, Lok Adalat, One-Time Settlement and compromise. Banks may also initiate corporate insolvency under the provisions of the Insolvency and Bankruptcy Code, 2016, for resolution of loans. Banks are also required to adhere to ‘Responsible Business Conduct’ directions issued by RBI and not to resort to undue harassment for recovery of loans. The various mechanism for recovery available to banks are subject to the threshold prescribed under law and banks may resort to different recovery methods as per individual case, subject to board approved policies. *****Annexure Lok Sabha Unstarred Question no. 3771 dated 16.3.2026 regarding “Loan provided by Nationalised and Private Banks” Occupation-wise outstanding credit of Public Sector Banks and Private Sector Banks, for last 5-years (Amount in ₹ Crore) As on Occupation Public Sector Banks Private Sector Banks Agriculture 14,14,961 5,90,592 Industry 23,66,128 16,22,699 Transport Operators 1,11,511 2,09,443 Professional and Other Services 4,22,863 7,47,637 31.3.2025 Personal Loans 29,68,815 26,47,562 Trade 8,77,950 7,74,510 Finance 14,97,611 5,07,861 All Others 1,61,787 4,22,434 Total Bank Credit 98,21,626 75,22,737 Agriculture 13,31,333 5,23,627 Industry 21,65,888 14,83,862 Transport Operators 1,01,825 1,94,010 Professional and Other Services 3,92,957 6,41,600 31.3.2024 Personal Loans 24,96,473 24,70,788 Trade 7,48,406 6,92,170 Finance 13,23,159 5,46,872 All Others 1,95,283 3,14,399 Total Bank Credit 87,55,324 68,67,328 Agriculture 11,51,617 4,25,939 Industry 20,15,024 12,99,279 Transport Operators 83,346 1,59,915 Professional and Other Services 3,35,184 4,53,949 31.3.2023 Personal Loans 21,79,104 16,91,218 Trade 7,06,280 5,98,959 Finance 10,90,402 4,65,214 All Others 1,47,007 2,74,133 Total Bank Credit 77,07,965 53,68,606 Agriculture 10,35,219 3,80,583 Industry 18,89,937 11,41,919 Transport Operators 73,020 1,31,250 Professional and Other Services 3,45,196 4,10,942 31.3.2022 Personal Loans 18,29,987 13,88,238 Trade 6,38,613 4,87,014 Finance 7,90,984 3,74,470 All Others 1,20,811 2,08,628 Total Bank Credit 67,23,766 45,23,045 Agriculture 9,29,773 3,25,080 Industry 18,73,628 10,28,872 Transport Operators 85,116 1,25,318 Professional and Other Services 3,29,458 3,87,417 31.3.2021 Personal Loans 16,08,198 11,52,635 Trade 6,53,265 4,33,610 Finance 6,74,897 3,12,815 All Others 1,09,047 1,55,948 Total Bank Credit 62,63,382 39,21,696 Source: Reserve Bank of India *****