**Executive Summary**
This document presents the Indian government's response to Lok Sabha Un-Starred Question No. 1212 regarding the impact of Public Sector Banks (PSBs) on the Dahod Lok Sabha Parliamentary Constituency. It details the changes in financial deposits and advances, agricultural lending, and access to banking services in the region from June 2017 to March 2025. The answer was given on December 8, 2025.
**Key Points / Main Content**
* **Financial Deposits and Advances in Dahod District:**
* Total deposits in PSBs increased from Rs. 2372.22 crore (June 30, 2017) to Rs. 4832.67 crore (March 31, 2025), indicating enhanced financial savings.
* Total advances increased from Rs. 1038.92 crore (June 30, 2017) to Rs. 2642.05 crore (March 31, 2025), improving borrowing power and stimulating economic activity.
* **Agricultural Lending:**
* Total outstanding agricultural loans increased from Rs. 271.45 crore (June 30, 2017) to Rs. 669.10 crore (March 31, 2025).
* Outstanding Kisan Credit Cards (KCCs) rose from Rs. 171.27 crore (June 30, 2017) to Rs. 406.03 crore (March 31, 2025).
* This lending contributes to the rural and tribal population's livelihood sources by enhancing agricultural infrastructure.
* **Stand-Up India and MUDRA Schemes:**
* The Stand-Up India scheme showed Rs. 6.75 crore outstanding as of March 31, 2025, in Dahod district.
* The PM Mudra scheme increased from Rs. 35.05 crore (March 31, 2017) to Rs. 58.09 crore (March 31, 2025).
* **Accessibility of Banking Services:**
* The government aims to ensure a banking outlet (Bank branch/Business Correspondent/ India Post Payments Bank) within 5 km of every inhabited village.
* 99.91% of villages (6,00,813 out of 6,01,328) are covered with banking outlets within a 5 km radius, monitored using the Jan Dhan Darshak (JDD) App.
**Impact Analysis**
**Stakeholder: Rural and Tribal Population of Dahod District**
* **Impact:** Benefitted through increased financial savings and borrowing power, enhanced agricultural infrastructure and livelihood opportunities due to substantial growth in financial advances and agricultural lending.
* **Action Required:** Continue leveraging available banking services and schemes for economic growth and development.
**Stakeholder: Micro-Entrepreneurs in Dahod District**
* **Impact:** Strengthened financial support through schemes like Stand-Up India and PM Mudra, leading to business expansion.
* **Action Required:** Utilize the financial support system to boost entrepreneurship.
**Stakeholder: Public Sector Banks (PSBs)**
* **Impact:** Demonstrated a significant role in the economic growth and development of the Dahod district through increased financial activity and enhanced access to banking services.
* **Action Required:** Maintain and expand the infrastructure and services to provide sustainable growth.
Key Entities Referenced
Public Sector Banks (PSBs): The primary subject of the policy, discussing their financial performance and impact in Dahod.
Dahod: A parliamentary constituency and district in India where the impact of PSBs is being assessed.
MUDRA: A scheme aimed at providing financial assistance to micro-units and small businesses, with emphasis on how it has been implemented in Dahod.
Kisan Credit Cards (KCCs): A scheme aimed at providing financial assistance to farmers, with emphasis on how it has been implemented in Dahod.
Stand-Up India: A scheme aimed at promoting entrepreneurship among women and Scheduled Castes and Tribes, with emphasis on how it has been implemented in Dahod.
GOVERNMENT OF INDIA
MINISTRY OF CORPORATE AFFAIRS
LOK SABHA
UN-STARRED QUESTION NO. 1212
ANSWERED ON Monday, December 8, 2025
Agrahayana 17, 1947 (Saka)
PSBs in Dahod
1212.Shri Jaswantsinh Sumanbhai Bhabhor
Will the Minister of CORPORATE AFFAIRS be pleased to state:
(a) the extent to which the improvement in the financial
performance of Public Sector Banks (PSBs) has benefitted the rural
and tribal areas of Dahod Lok Sabha Parliamentary Constituency;
(b) the manner in which the strengthened position of PSBs as
compared to 2014‑15 has contributed to the progress of agricultural
loans, Kisan Credit Cards (KCCs), Stand-Up India and MUDRA
schemes in Dahod; and
(c) the manner in which the total net profit of PSBs has been
reflected in the expansion of bank branches and improvement of
banking services in the said district during the last financial year?
ANSWER
Minister of State in the Ministry of Corporate Affairs; Minister of
State in the Ministry of Road Transport and Highways.
(Shri Harsh Malhotra)
(a): On the basis of information provided by Department of Financial
Services, the total deposits of all the Public Sector Banks (PSBs) in
Dahod districtas on 30th June, 2017 was Rs. 2372.22 crore. As on
31st March, 2025, same was Rs. 4832.67 crore. The growth in total
deposits during the period 2017 to 2025 indicates enhanced
financial savings in Dahod district.
Similarly, total advances in Dahod districtas on 30th June, 2017 was
Rs. 1038.92 crore. As on 31st March, 2025, same was Rs. 2642.05
crore. The total advances have increased substantially during the
period 2017 to 2025 which indicates the improvement in borrowing
power directly benefitting the overall economic activity in the
Dahod district.(b): Total Agriculture Loan (outstanding) of all the Public Sector
Banks in Dahod districtas on 30th June, 2017 was Rs. 271.45 crore.
As on 31st March, 2025, same was Rs. 669.10 crore. The growth
indicates substantial lending by the PSBs in the form of crop loan
and term loan in agriculture infrastructure and agri-ancilliary
activities, enhancing the core livelihood source of the rural and
tribal population of Dahod district.
Out of the above total agriculture loans, outstanding Kisan Credit
Cards (KCC) amounts to Rs. 171.27 crore as on 30th June, 2017,
while the same as on 31st March, 2025 stands at Rs. 406.03 crore.
This reflects direct contribution of PSBs in enhancing and improving
the livelihood sources of the rural and tribal population in Dahod
district.
Total loan outstanding of the Stand-up India scheme for Dahod
district stands at Rs. 6.75 crore as on 31st March, 2025. In Dahod
district the total loan outstanding under the PM Mudra scheme as
on 31st March, 2017 was Rs. 35.05 crore, which increased to Rs.
58.09 crore as on 31st March, 2025. This increase shows the strong
financial support system by the PSBs to the micro entrepreneurs in
Dahod District.
(c): To ensure accessibility of banking services in rural and remote
areas, the endeavour of the Government is to ensure availability of
banking outlet (Bank branch/Business Correspondent/ India Post
Payments Bank) within 5 kilometres of all inhabited villages in the
country. Availability of banking outlets is monitored by a Geographic
Information System (GIS) based App., namely, Jan Dhan Darshak
(JDD) App. Based on the data uploaded by Banks on the JDD App,
out of total 6,01,328 inhabited villages in the country, 6,00,813
(99.91%) villages are covered with banking outlets (Bank branch /
BC / IPPB) within a radius of 5 Km.
The above financial parameters of PSBs show that PSBs have
played a vital role in economic growth and overall development of
Dahod district.
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