Parliament Question: Loans to Farmers and Corporates

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 3516 ANSWERED ON MONDAY, AUGUST 10, 2026/ SHRAVANA 19, 1948 (SAKA) Loans to Farmers and Corporates 3516. SHRI DEEPENDER SINGH HOODA: Will the Minister of FINANCE be pleased to state: (a) the details of loans given to farmers since 2014 till 2025–26 and the amount recovered during the same period, year-wise and State/UT-wise; (b) the details of farm loan waivers during the said period, year-wise and State/UT-wise; (c) the details of loans given to corporates since 2014 till 2025–26 and the amount recovered during the same period, year-wise, State/UT-wise; (d) the details of corporate loan waivers/write-offs during the said period, year-wise and State/UT-wise; (e) whether the Government considers the proportion of loan waivers of farmers and corporates to be equitable, if so, the justification therefor and if not, the reasons therefor; and (f) the steps taken by the Government to ensure balanced and fair treatment in loan relief measures? ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) & (b) The year-wise, State/UT-wise details of agriculture credit disbursed from 2013-2014 till 2025-26 is given at Annexure-I. However, the details of amount recovered thereon is not centrally maintained. Further, Union Government has not extended any farm loan waiver during the said period. (c) The year-wise details of loans given to corporates since 2014 till 2025-26 is given at Annexure-II. However, State/UT-wise details of loan given and amount recovered thereon is not centrally maintained. (d) As reported by the Reserve Bank of India, the State/Union Territory (UT) - wise details regarding total loans waived off or written off in respect of corporates is not maintained by it. However, year-wise and category-wise details of loans written-off by Public Sector Banks, Private Sector Banks, Foreign Banks and Small Finance Banks, for domestic operations, for categories Large (Industries & Services) from 31.03.2015 to 31.03.2026, are at Annexure-III. (e) Debt write-off is an accounting procedure and does not provide any relief to the debtor (whether farmer or corporate). As per RBI - Resolution of Stressed Assets Directions 2025, issued for commercial banks, write-off (a major portion of which is due to technical/prudential/advances under collection) is an accounting procedure undertaken by a bank to adjust its balance sheets. Such write-off does not result in waiver of liabilities of borrowers and therefore, it does not benefit the borrower. The borrowers continue to be liable for repayment and banks continue to pursue recovery actions initiated in these accounts.(f) To provide relief to borrowers in distress, Reserve Bank of India has issued Master Direction on Resolution of Stressed Assets, 2025 dated 28 November 2025 (updated as on 01 July 2026) which, inter-alia, provides lenders the discretion to undertake financial restructuring of borrowers under stress, based on their Board approved policies and regulatory guidelines. *****Annexure-I Annexure referred to in part (a) of Lok Sabha Un-Starred Question No. 3516 on " Loans to Farmers and Corporates" answered on 10.08.2026 State-wise Agriculture Credit Disbursement from FY 2013-14 to 2025-26 (Rs. crore) S.no. State/ UT 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 1 DELHI 10,351 15,264 5,550 19,942 19,528 24,331 21,633 14,241 18,148 19,350 24,157 29,317 25,236 2 HARYANA 35,752 40,438 49,790 49,481 55,381 63,349 64,295 60,655 67,071 81,805 89,396 99,222 97,836 3 HIMACHAL PRADESH 4,554 4,964 5,122 6,116 14,338 6,870 7,771 7,476 8,525 11,003 11,628 14,426 15,552 4 JAMMU & KASHMIR 2,333 766 2,761 7,297 11,304 13,118 13,402 14,753 14,283 13,152 12,624 17,841 12,044 5 PUNJAB 58,474 72,963 84,653 74,301 73,169 77,456 80,448 69,170 74,437 90,798 95,687 1,00,544 1,01,313 6 RAJASTHAN 54,777 65,743 67,627 74,304 80,914 83,081 95,051 1,01,496 1,19,157 1,41,612 1,53,593 1,68,545 1,68,585 7 CHANDIGARH UT 1,572 2,340 1,415 1,406 2,357 1,992 1,346 1,161 1,229 1,635 1,938 2,287 2,907 8 LADAKH - - - - - - - 947 341 334 352 420 421 9 ARUNACHAL PRADESH 54 50 43 133 82 56 111 86 138 637 950 319 363 10 ASSAM 2,694 2,751 3,905 6,102 6,755 7,246 7,713 11,457 9,313 9,062 11,564 14,514 13,304 11 MANIPUR 112 153 159 251 255 248 312 301 398 645 649 842 1,091 12 MEGHALAYA 247 196 156 368 351 199 205 251 273 404 478 554 590 13 MIZORAM 70 70 99 114 175 363 166 330 301 309 427 600 759 14 NAGALAND 109 135 118 129 205 209 278 239 281 340 412 553 547 15 SIKKIM 81 75 72 162 125 160 174 187 220 340 405 320 293 16 TRIPURA 979 1,023 1,281 1,513 2,326 2,691 2,850 3,651 3,159 1,670 2,175 2,971 2,942 17 A & N ISLAND 99 66 112 135 120 130 149 206 310 402 437 476 643 18 BIHAR 20,178 22,864 40,542 26,185 29,213 35,828 40,834 46,981 87,089 52,994 70,321 66,492 66,498 19 JHARKHAND 1,960 2,518 3,662 4,380 3,779 4,092 5,437 7,016 9,800 12,171 22,109 16,553 13,835 20 ODISHA 15,023 17,271 20,283 21,265 22,771 27,416 30,398 34,147 41,978 47,749 60,365 80,673 65,035 21 WEST BENGAL 18,957 37,294 39,075 34,896 40,868 46,326 54,849 62,657 62,549 60,369 74,343 89,070 85,968 22 CHHATTISGARH 6,556 7,872 7,674 12,237 15,134 10,391 15,125 18,728 19,324 29,266 33,838 37,154 30,693 23 MADHYA PRADESH 38,632 47,049 52,104 56,149 60,037 61,474 62,497 80,110 88,292 1,00,076 1,16,397 1,33,121 1,28,491 24 UTTARAKHAND 6,464 5,586 5,869 6,505 7,876 10,336 10,505 9,648 9,383 11,244 12,674 15,779 13,526 25 UTTAR PRADESH 59,277 72,611 87,642 81,584 84,048 89,060 1,08,888 1,14,623 1,22,169 1,51,452 1,71,390 1,96,225 1,97,627 26 GOA 607 777 567 1,011 1,238 1,320 993 1,374 1,474 1,905 2,429 14,492 1,743 27 GUJARAT 33,622 39,327 44,563 54,277 62,558 66,111 73,229 84,934 1,03,118 1,20,529 1,41,161 1,63,965 1,44,479 28 MAHARASHTRA 61,138 66,821 62,777 81,384 72,479 83,570 81,850 98,140 1,22,193 1,50,532 1,68,547 2,01,867 1,91,691 D & N HAVELI and DAMAN and 29 54 56 27 115 99 115 135 703 233 342 393 383 547 DIU UT 30 ANDHRA PRADESH 83,586 53,936 74,136 92,869 1,12,355 1,22,782 1,36,778 1,74,974 2,06,160 2,39,188 3,00,497 3,29,731 3,89,240 31 TELANGANA 7,950 30,517 33,326 67,885 58,831 57,543 63,383 71,665 88,583 1,09,798 1,39,703 1,64,908 1,60,501 32 KARNATAKA 51,879 60,233 84,832 78,083 79,144 73,419 88,380 1,11,844 1,39,403 1,72,470 2,07,615 2,31,295 2,53,141 33 KERALA 50,799 57,209 43,392 67,739 84,176 92,457 97,420 1,02,109 1,14,158 1,40,236 1,60,468 1,77,510 1,99,264 34 PUDUCHERRY 1,278 15,930 1,082 5,290 2,606 2,866 3,373 4,835 4,385 5,574 7,066 8,183 11,117 35 TAMILNADU 99,906 1,00,226 91,094 1,32,145 1,58,014 1,90,222 2,22,748 2,64,169 3,25,472 3,75,747 4,52,384 4,83,678 6,04,819 36 LAKSHADWEEP UT 1 233 - 3 5 3 5 133 14 23 62 40 69 Source: NABARDAnnexure-II Annexure referred to in part (c) of Lok Sabha Un-Starred Question No. 3516 on " Loans to Farmers and Corporates" answered on 10.08.2026 Large - Industries & Services - Advances Outstanding (Amt. in Rs. Crore) Bank Group 31-03-2015 31-03-2016 31-03-2017 31-03-2018 31-03-2019 31-03-2020 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2026 FOREIGN BANKS 2,16,172 2,48,441 2,23,416 2,36,406 2,60,896 2,83,546 2,72,333 3,07,231 3,46,386 3,73,071 4,46,996 5,02,233 PRIVATE SECTOR BANKS 5,90,982 7,24,947 8,40,843 10,62,389 12,44,312 12,75,017 13,58,236 14,29,248 16,71,197 18,97,918 20,33,540 21,92,419 PUBLIC SECTOR BANKS 22,57,516 23,20,226 22,60,962 22,25,872 24,10,130 24,68,904 22,45,803 25,10,712 30,12,506 34,83,511 38,06,135 41,78,046 SMALL FINANCE BANKS - 21 536 2,277 1,808 4,509 22,513 21,765 32,385 49,037 SCHEDULED COMMERCIAL BANKS 30,64,670 32,93,614 33,25,222 35,24,688 39,15,874 40,29,744 38,78,180 42,51,701 50,52,602 57,76,264 63,19,057 69,21,734 Source: RBI (Data for March 2026 is provisional)Annexure-III Annexure referred to in part (d) of Lok Sabha Un-Starred Question No. 3516 on " Loans to Farmers and Corporates" answered on 10.08.2026 Large - Industries & Services - Write-offs (Amt. in Rs. Crore) Bank Group 31-03-2015 31-03-2016 31-03-2017 31-03-2018 31-03-2019 31-03-2020 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2026 FOREIGN BANKS 2,010 363 4,447 1,227 3,023 3,750 1,948 1,613 1,138 1,337 873 656 PRIVATE SECTOR BANKS 3,111 7,458 15,682 17,830 24,995 22,208 34,458 10,371 41,194 5,445 6,822 4,345 PUBLIC SECTOR BANKS 26,602 32,595 48,179 80,075 1,20,735 1,33,179 90,641 57,541 72,108 58,359 39,675 15,213 SMALL FINANCE BANKS - - - 2 3 8 88 3,226 198 271 SCHEDULED COMMERCIAL BANKS 20,485 31,723 40,416 68,308 99,132 1,48,753 1,59,139 1,27,050 69,532 1,14,528 68,366 47,568 Source: RBI (Data for March 2026 is provisional)