Parliament Question: Special Financial Scheme for Easy Loan in Bihar

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA STARRED QUESTION NO. *305 ANSWERED ON MONDAY, AUGUST 10, 2026/ SHRAVANA 19, 1948 (SAKA) Special Financial Scheme for Easy Loan in Bihar *305. SHRI JANARDAN SINGH SIGRIWAL:

Will the Minister of FINANCE be pleased to state:

(a) whether the Government has launched any special financial scheme to provide easy loan facility to farmers, small traders and self-employed youth in Bihar including Maharajganj Lok Sabha Constituency, if so, the details thereof;

(b) the details of the loan provided to the above categories in Bihar during the last five years and the current year, year-wise and district-wise including Maharajganj Lok Sabha Constituency; and

(c) whether the Government has established any special campaign, helpline or Loan Counselling Centre at the local level in banks or other financial institutions to make the loan process simple, transparent and time bound in Bihar including the said Lok Sabha Constituency and if so, the details thereof? ANSWER THE FINANCE MINISTER (SMT. NIRMALA SITHARAMAN)

(a) to (c): A Statement is laid on the Table of the House. *****STATEMENT REFERRED TO IN REPLY TO PARTS (a) to (c) OF LOK SABHA STARRED QUESTION NO. *305 ANSWERED ON 10th AUGUST, 2026, REGARDING ‘SPECIAL FINANCIAL SCHEME FOR EASY LOAN IN BIHAR’ BY SHRI JANARDAN SINGH SIGRIWAL, HON’BLE MEMBER OF PARLIAMENT

(a) The Government has launched various schemes viz. Kisan Credit Card (KCC), Pradhan Mantri MUDRA Yojana (PMMY), Prime Minister's Employment Generation Program

(PMEGP), PM Vishwakarma, PM SVANidhi Scheme, Stand-Up India Scheme, Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PMFME) etc. to extend loan facility to farmers, small traders and self-employed youth across the country, including in the state of Bihar.

(b) The year-wise, district-wise details of loans sanctioned/disbursed under the above- mentioned schemes in the state of Bihar are provided at Annexure. Constituency wise data of above schemes is not maintained. However, the above schemes’ beneficiaries of Maharajganj constituency are included in Siwan and Saran districts.

(c) The Government has taken several measures to make loan process under various credit facilities simple, transparent, and efficient which inter-alia include: i. Procedural and Technological Facilitation • Several technological interventions such as Jan Samarth portal, PSB Loans in 59 Minutes, Udyamimitra portal and PM SVANidhi portal, have been introduced to provide quick and hassle-free credit to eligible beneficiaries in a user-friendly and time bound manner. Further, many banks and financial institutions have developed online platforms and mobile apps for end to end digital processing of loan applications, thereby minimising delays and reducing the need for physical paperwork and in-person visits.

• To make digital financial services more accessible and user-friendly, Digital Banking Units (DBUs) have been set-up by Banks with an objective to ensure the benefits of digital banking to every nook and corner of the country. These units offer facilities like opening of saving bank accounts, passbook printing, transfer of funds, loan applications, etc. As per latest available data, there are 05 DBUs in the state of Bihar.

• Banks have been advised by RBI to dispense with obtaining of “No Dues Certificate” from individual borrowers (including SHGs & JLGs) in rural and semi urban areas for all types of loans, including loans under Government sponsored schemes, irrespective of the amount involved unless the Government sponsored scheme itself provides for obtention of “No Dues Certificate”.

• Banks also leverage their extensive network of Business Correspondents (BCs), who serve as the last-mile delivery channel for banking services, to facilitate the onboarding of eligible beneficiaries under various financial inclusion schemes and to extend credit and other banking services to underserved and unserved sections of the population. As per SLBC, Bihar, there are 49,598 fixed point Business Correspondent outlets in the state of Bihar as on 30 June 2026.

• Collateral requirements of MSME units: Scheduled Commercial Banks have been mandated by RBI not to accept collateral security in the case of loans up to ₹20 lakh extended to units in the Micro and Small Enterprises (MSEs) sector. Banks have also been advised to extend collateral-free loans up to ₹20 lakh to all unitsfinanced under the Prime Minister Employment Generation Programme (PMEGP) administered by KVIC.

• Timeline for credit decisions in case of MSE borrowers: RBI has advised banks that for loans up to ₹25 lakh to units in the MSE borrowers, the timelines for credit decisions shall not be more than 14 working days. For loans above the aforementioned limit, timelines shall be as per the Board approved sanction time norms.

• Unified Lending Interface (ULI): RBI has developed ULI which gives lenders streamlined, one-stop access to verified data from multiple sources such as land records, credit histories etc, eliminating the need for complex, costly integrations with individual data providers. This system enables lenders to make quicker and better-informed loan decisions, cutting approval times and reducing operational costs.

ii. Specific interventions for Agriculture and Allied Sector • KCC Scheme has been simplified and converted into ATM enabled debit card with, inter alia, facilities of one-time documentation, built-in cost escalation within the limit and no restrictions on the number of drawals within the loan limit.

• The limit for collateral free short-term agricultural loans, including loans for allied activities has been raised from Rs.1.60 lakh to Rs.2.00 lakh per borrower by RBI w.e.f. 01 January 2025. This move enhances credit accessibility, particularly for small and marginal farmers (over 86% of the sector), who benefit from reduced borrowing costs and the removal of collateral requirements.

• KCC Saturation Drive under Atma Nirbhar Bharat Abhiyan were conducted to provide KCC to all eligible farmers. Additionally, nationwide district level weekly camps were also organized to expand the benefits of the Kisan Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF).

• Several digital initiatives have also been introduced to streamline the agricultural credit delivery process. These include the JanSamarth Portal, e-KCC application implemented by NABARD, KRISHIKA by the Department of Agriculture and Farmers Welfare, and similar digital applications developed by banks to support beneficiary identification, outreach, loan application processing, and monitoring.

• Kisan Rin Portal (KRP) has been launched by Department of Agriculture and Farmers Welfare in September 2023, enabling Aadhaar-based beneficiary verification and faster digital claim settlements under the Modified Interest Subvention Scheme (MISS) for loans availed through KCC.

iii. Specific outreach activities by Financial Institutions • Credit outreach programmes have been organised by Banks in Bihar including Maharjganj constituency from time to time to ensure access to financial services and timely & adequate credit at an affordable cost.

• Financial Literacy and awareness programmes are conducted through Centre for Financial Literacy (CFL), Financial Literacy Centres (FLCs) which are set-up by RBI and banks respectively. Besides this, RBI also conducts Financial Literacy Week (FLW) every year to propagate the message of financial education on various banking/credit processes/products among members of the public across the country. As per RBI, there are 178 CFLs and 76 FLCs in the state of Bihar as on 31 March 2026.

*****Annexure Annexure referred to in part (b) of Lok Sabha Starred Question no. *305 on “Special Financial Scheme for Easy Loan in Bihar” answered on 10.08.2026 A. Details of district wise KCC disbursement in Bihar (No. of Accounts in Actual & Amount in ₹ Crore) FY 2026-27 (as on FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 Sl. No. District Name 30.06.2026) No. Amt. No. Amt. No. Amt. No. Amt. No. Amt. No. Amt.

1 Araria 47,472 439 33,268 436 21,155 373 56,008 708 32,040 540 4,635 54 2 Arwal 6,026 44 7,428 54 6,796 49 2,082 17 5,157 31 365 3 3 Aurangabad 22,033 194 25,354 164 19,813 158 14,471 148 18,910 190 1,719 25 4 Banka 33,596 352 16,631 333 17,205 162 14,344 103 16,202 121 3,940 18 5 Begusarai 1,03,489 684 62,168 557 55,664 328 54,155 414 59,234 446 11,567 64 6 Bhagalpur 43,306 560 27,660 465 23,428 234 30,097 327 30,736 341 6,308 39 7 Bhojpur 28,980 188 37,053 253 24,512 165 13,457 110 18,488 159 2,722 20 8 Buxar 12,301 138 33,966 272 25,261 197 10,696 124 16,462 183 2,050 21 9 Darbhanga 54,074 558 51,053 628 45,452 372 63,194 483 47,988 512 3,768 32 10 Gaya 24,756 197 31,250 223 21,068 146 22,202 221 31,945 283 2,804 24 11 Gopalganj 59,277 589 49,384 563 72,695 850 83,652 908 45,154 565 6,929 72 12 Jamui 15,973 75 13,285 185 24,191 213 19,945 160 27,488 195 3,554 20 13 Jehanabad 11,954 88 11,195 78 7,273 60 3,863 69 5,813 85 699 8 14 Kaimur 16,522 163 22,993 187 9,319 85 13,798 249 16,386 266 1,547 32 15 Katihar 43,641 426 29,979 298 32,135 395 53,244 589 41,303 632 4,498 53 16 Khagaria 24,882 175 21,355 307 25,784 209 29,015 197 27,929 226 4,569 34 17 Kishanganj 25,869 222 18,576 247 17,910 240 51,954 538 28,233 372 2,221 22 18 Lakhisarai 13,635 89 7,566 115 9,287 88 8,212 73 9,804 88 1,814 12 19 Madhepura 40,698 383 31,720 371 18,314 449 32,734 366 24,696 421 1,956 20 20 Madhubani 95,892 732 1,14,014 1,109 79,475 823 99,134 980 72,415 766 7,251 62 21 Munger 18,917 167 8,600 226 11,296 96 10,822 93 14,023 99 3,651 9 22 Muzaffarpur 1,02,254 1,081 99,219 1,023 79,106 1,079 1,24,834 1,138 82,933 1,101 8,262 85 23 Nalanda 17,012 132 13,568 132 19,742 145 13,398 128 19,967 188 1,635 22 24 Nawada 14,475 148 20,475 177 21,441 170 17,853 174 17,346 157 1,765 14 25 Pashchim Champaran 48,628 388 65,480 697 51,277 626 1,15,191 1,183 85,622 1,205 9,136 93 26 Patna 33,915 312 32,726 470 25,689 316 16,523 284 16,995 349 2,484 36 27 Purbi Champaran 1,08,206 987 1,09,041 1,125 95,893 1,179 1,43,415 1,483 89,962 1,277 8,051 79 28 Purnea 68,289 702 51,616 710 44,161 565 75,129 1,064 58,160 1,062 6,324 89 29 Rohtas 27,844 232 31,663 222 22,377 180 18,867 268 29,010 367 1,974 49 30 Saharsa 32,377 282 22,180 221 19,560 333 41,724 476 26,784 442 2,840 29 31 Samastipur 82,930 574 52,498 481 56,998 494 78,753 600 79,121 646 9,004 73 32 Saran 51,274 490 55,817 602 49,330 650 62,053 656 39,802 526 4,184 42 33 Sheikhpura 7,091 49 4,671 69 8,598 74 6,765 78 8,866 77 1,877 11 34 Sheohar 21,822 313 17,008 234 16,528 171 15,704 174 10,101 157 1,104 10 35 Sitamarhi 52,620 510 44,799 498 47,989 439 63,533 601 37,263 514 2,875 28 36 Siwan 50,983 524 54,460 622 43,222 579 64,297 624 46,243 686 4,332 43 37 Supaul 40,063 346 33,195 322 21,027 403 48,872 541 36,393 598 3,124 33 38 Vaishali 62,213 561 64,184 718 54,849 777 76,833 838 48,642 628 4,727 44 Grand Total 15,65,289 14,094 14,27,098 15,395 12,45,820 13,872 16,70,823 17,187 13,23,616 16,501 1,52,265 1,424

Source: SLBC BiharB. Details of district wise disbursement data under PMMY in Bihar (No. of Accounts in Actual & Amount in Rs Crore) FY 2026-2027 FY 2021-2022 FY 2022-2023 FY 2023-2024 FY 2024-2025 FY 2025-2026 Sl. No. District Name (As on 26 June 2026)* No. Amt No. Amt No. Amt No. Amt No. Amt No. Amt 1 Araria 3,13,137 1,295 2,96,604 1,417 3,82,949 2,013 2,74,407 1,707 1,88,521 1,583 33,878 288 2 Arwal 12,411 74 17,822 116 18,974 148 23,223 188 22,973 249 3,992 44 3 Aurangabad 1,37,144 598 1,35,786 762 1,95,097 1,226 1,12,874 890 1,45,375 1,295 26,820 254 4 Banka 72,495 328 1,00,477 547 1,21,650 681 1,07,695 677 91,325 847 16,595 158 5 Begusarai 2,99,958 1,315 3,23,057 1,677 3,18,357 1,858 2,59,397 1,731 1,77,712 1,663 31,975 330 6 Bhagalpur 1,55,251 778 1,68,972 1,082 2,29,140 1,458 1,92,973 1,453 1,63,629 1,710 31,984 336 7 Bhojpur 51,287 318 85,569 541 91,546 650 84,923 677 87,483 869 14,620 169 8 Buxar 52,211 276 75,826 435 85,933 528 88,139 602 81,604 710 12,387 128 9 Darbhanga 2,69,716 1,175 3,41,099 1,674 3,75,350 2,079 2,73,498 1,818 2,19,989 1,913 43,772 399 10 Gaya 1,33,831 745 2,53,422 1,515 3,06,723 1,897 2,71,263 1,859 3,12,402 2,521 53,746 497 11 Gopalganj 1,48,540 682 1,86,586 967 2,10,104 1,191 1,61,670 1,102 1,42,597 1,216 24,001 209 12 Jamui 79,057 370 1,07,212 583 1,35,982 776 1,17,767 754 1,00,682 831 18,818 158 13 Jehanabad 32,524 184 40,758 268 47,385 351 41,156 372 49,827 499 9,110 97 14 Kaimur 50,294 249 51,920 329 58,769 440 54,843 469 52,994 502 9,315 106 15 Katihar 1,55,228 723 1,82,088 1,009 2,21,382 1,329 1,96,967 1,341 1,53,830 1,421 28,638 284 16 Khagaria 1,19,941 511 1,65,687 826 2,08,628 1,130 1,29,514 867 97,033 861 18,584 177 17 Kishanganj 81,171 400 1,30,506 671 1,52,594 956 1,80,689 1,180 1,09,242 1,039 17,906 159 18 Lakhisarai 38,576 194 58,649 320 67,974 434 47,260 385 46,394 430 8,062 77 19 Madhepura 1,42,154 598 1,84,321 898 2,40,576 1,265 1,56,656 1,007 1,12,550 943 22,258 190 20 Madhubani 3,47,019 1,412 4,17,719 1,922 4,95,540 2,571 3,25,855 2,063 2,38,227 1,964 48,461 413 21 Munger 61,895 322 68,015 431 82,794 553 72,334 556 59,657 610 11,717 120 22 Muzaffarpur 3,29,661 1,588 4,53,070 2,361 4,96,986 2,892 4,02,052 2,750 3,72,144 3,185 58,537 599 23 Nalanda 63,637 385 99,784 670 1,12,636 845 1,04,115 902 99,884 1,065 16,422 193 24 Nawada 85,553 436 1,13,796 635 1,38,575 877 1,12,699 845 1,16,044 1,021 19,600 183 25 Pashchim Champaran 2,21,531 962 2,55,135 1,300 2,66,703 1,485 2,41,636 1,490 2,61,549 2,011 48,118 387 26 Patna 3,15,190 2,033 4,10,222 3,031 4,72,616 3,649 4,69,966 4,079 5,82,091 5,326 63,973 796 27 Purbi Champaran 3,38,869 1,488 4,19,127 2,166 4,26,311 2,521 3,74,241 2,511 3,70,853 3,007 66,400 576 28 Purnea 1,87,833 942 2,52,207 1,402 2,94,011 1,745 2,31,295 1,628 1,84,422 1,756 35,528 357 29 Rohtas 1,29,613 644 1,51,713 874 1,72,541 1,077 1,37,815 1,062 1,07,934 1,103 20,170 220 30 Saharsa 1,05,888 483 1,27,106 649 1,58,283 878 1,21,492 777 86,344 747 18,567 180 31 Samastipur 3,55,567 1,590 4,80,127 2,443 5,12,923 2,898 3,62,087 2,459 2,95,085 2,622 54,632 510 32 Saran 2,36,746 1,154 3,06,504 1,674 3,07,699 1,887 2,55,067 1,826 2,25,698 2,011 37,977 373 33 Sheikhpura 15,717 102 29,768 191 37,924 255 32,418 254 32,381 308 6,076 61 34 Sheohar 33,614 144 52,792 250 53,354 318 39,957 271 29,800 261 5,303 51 35 Sitamarhi 2,23,555 934 3,23,832 1,554 3,52,706 1,895 2,08,267 1,347 1,89,775 1,618 34,565 323 36 Siwan 1,53,598 768 2,14,726 1,155 2,34,562 1,425 1,86,534 1,372 1,76,590 1,583 27,204 261 37 Supaul 95,924 426 1,40,273 708 1,97,615 1,036 1,29,914 856 1,04,291 902 20,028 203 38 Vaishali 2,60,848 1,149 3,24,865 1,659 3,60,903 2,067 2,79,572 1,947 1,93,515 1,781 33,481 328 39 Other# 7,70,971 2,951 9,42,089 4,734 9,87,482 5,557 9,08,983 5,993 4,44,245 3,748 1,62,708 1,388 Grand Total 66,78,155 30,726 84,89,231 45,446 96,31,277 56,841 77,71,213 54,067 65,26,691 57,731 12,15,928 11,582 *Provisional; # District-wise data for some of the NBFCs/MFIs is not available

Source: As per data uploaded by Member Lending Institutions on Mudra portalC. Details of district wise loans sanctioned under PMEGP in Bihar (No. of Accounts in actual & Amount in Rs Lakh) FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 District No. Amount No. Amount No. Amount No. Amount No. Amount Araria 44 319.40 245 1,512.53 225 1538.56 156 1,030.86 90 712.69 Arwal 18 236.86 83 762.27 96 767.14 70 560.90 49 437.61 Aurangabad 55 524.68 245 1,830.33 273 2065.06 170 1,290.63 73 760.74 Banka 15 127.42 148 1,059.11 226 1248.83 213 957.82 122 743.31 Begusarai 79 651.63 331 2,287.58 510 2991.80 317 1,727.11 121 1,171.66 Bhagalpur 38 383.70 200 1,516.21 455 3254.64 420 2,781.61 121 1,202.85 Bhojpur 52 593.00 173 1,639.74 270 2187.95 182 1,447.95 88 847.30 Buxar 41 399.27 143 1,340.91 234 1908.12 160 1,114.39 74 683.41 Darbhanga 124 1163.41 250 2,123.08 402 2859.86 240 1,884.06 92 891.34 Gaya 96 1136.81 315 3,043.75 459 4288.75 240 2,549.46 131 1,462.05 Gopalganj 96 1192.50 217 2,236.99 261 2308.78 178 1,371.94 96 939.45 Jamui 63 515.72 148 1,000.18 224 1564.58 154 1,048.63 85 696.24 Jehanabad 53 460.75 88 818.52 143 1316.15 85 738.34 51 729.10 Kaimur 41 369.05 110 1,165.47 183 1550.40 90 797.54 62 553.15

(Bhabhua) Katihar 53 550.39 213 1,609.59 253 1941.12 151 1,230.41 119 1,255.24 Khagaria 44 310.87 165 1,003.36 196 1220.12 142 983.98 110 893.46 Kishanganj 28 216.74 140 924.31 152 1095.06 109 925.83 70 513.47 Lakhisarai 36 373.54 93 809.07 105 622.08 67 642.10 58 505.56 Madhepura 47 258.54 128 644.24 171 1018.56 89 499.29 59 398.98 Madhubani 108 869.19 247 1,830.91 354 2654.35 308 2,273.87 142 1,511.53 Munger 41 404.27 140 865.08 219 1350.34 201 1,056.91 71 536.18 Muzaffarpur 93 965.39 336 3,527.15 631 5197.00 333 3,349.14 147 1,749.98 Nalanda 150 1623.28 283 2,830.17 349 3608.22 231 1,956.18 93 1,062.41 Nawada 94 901.92 274 2,682.28 236 2364.77 116 1,403.95 66 801.13 Pashchim 130 1258.96 264 2,705.90 290 2690.13 169 1,584.09 109 1,280.46 Champaran Patna 140 1895.57 369 4,687.17 704 7480.03 438 5,392.50 206 3,621.76 Purbi 63 612.42 353 2,923.08 392 3759.02 245 2,396.79 100 1,088.49 Champaran Purnia 77 610.36 258 2,003.18 334 2435.80 173 1,484.93 101 880.53 Rohtas 96 828.79 210 1,705.57 393 2965.93 224 1,715.98 122 1,141.25 Saharsa 36 286.13 156 980.53 195 1290.28 104 663.50 78 600.14 Samastipur 85 1064.44 313 2,920.13 491 3812.73 308 2,368.88 111 1,289.41 Saran 95 1176.57 205 2,411.10 304 3576.45 186 2,137.49 105 1,490.31 Sheikhpura 46 343.62 109 654.48 111 744.01 84 678.58 70 662.42 Sheohar 44 335.73 93 557.93 78 496.27 72 521.16 54 461.20 Sitamarhi 57 520.13 241 2,013.42 269 2414.69 191 1,664.35 80 828.10 Siwan 152 1789.85 374 4,132.82 364 3410.17 217 2,095.13 138 1,683.57 Supaul 50 333.09 148 1,105.01 209 1522.44 147 1,182.77 95 756.94 Vaishali 227 2291.48 257 3,251.97 342 3702.58 229 2,862.96 108 1,498.78 Total 2807 27895.45 8065 71,115.09 11104 91222.81 7209 60,372.01 3667 38,342.21

Source: KVICD. Details of district wise loans sanctioned under PM Vishwakarma in Bihar (No. in Actual & Sanctioned Amount in Rs Lakh) FY 2026-2027 FY 2024-2025* FY 2025-2026 Sl. No District Name (As on 30 June 2026) No Amt. No Amt. No Amt.

1 Araria 54 41 239 184 5 4 2 Arwal 27 27 25 25 1 1 3 Aurangabad 97 93 92 87 1 1 4 Banka 357 316 224 173 20 12 5 Begusarai 122 116 358 346 21 20 6 Bhagalpur 612 543 554 453 36 24 7 Bhojpur 116 114 172 169 11 10 8 Buxar 54 52 101 99 4 4 9 Darbhanga 268 253 256 201 19 16 10 Gaya 521 495 331 324 13 13 11 Gopalganj 73 59 174 129 11 9 12 Jamui 357 243 260 185 6 6 13 Jehanabad 160 150 97 90 10 9 14 Kaimur (Bhabua) 81 79 175 158 6 6 15 Katihar 249 190 343 245 1 1 16 Khagaria 97 74 159 130 5 5 17 Kishanganj 241 224 209 164 1 1 18 Lakhisarai 226 207 111 102 8 8 19 Madhepura 245 154 351 213 7 5 20 Madhubani 424 379 456 344 9 9 21 Munger 21 18 73 64 - - 22 Muzaffarpur 711 646 823 736 26 25 23 Nalanda 128 114 68 63 9 8 24 Nawada 242 227 224 203 6 6 Pashchim 25 144 130 582 455 8 8 Champaran 26 Patna 535 479 389 338 27 26 27 Purbi Champaran 391 333 1,506 1,315 30 29 28 Purnia 209 144 417 273 41 30 29 Rohtas 903 879 854 770 17 17 30 Saharsa 481 376 216 149 29 18 31 Samastipur 305 260 600 408 33 27 32 Saran 522 456 704 670 11 9 33 Sheikhpura 68 62 37 30 3 3 34 Sheohar 43 38 146 129 - - 35 Sitamarhi 279 243 1,017 678 12 9 36 Siwan 150 129 274 214 4 4 37 Supaul 249 204 200 149 16 13 38 Vaishali 1630 1,473 890 822 279 273 Grand Total 11392 10,020 13,707 11,287 746 669 *Note: Scheme started in April 2024.

Source: PM Vishwakarma PortalE. Details of district wise loans sanctioned under PM SVANidhi in Bihar (No. of Accounts in Actual & Amount in Rs. Lakh) 2026-2027 2021-2022 2022-2023 2023-2024 2024-2025 2025-2026 (As on 30 June Sl. No District Name 2026) No. Amt. No. Amt. No. Amt. No. Amt. No. Amt. No. Amt.

1 Araria 328 36 223 41 1,885 244 347 65 1,130 220 90 20 2 Arwal 63 7 26 5 277 34 35 10 93 21 4 1 3 Aurangabad 258 29 380 69 1,767 232 354 76 720 156 73 23 4 Banka 69 8 72 14 415 58 114 23 248 52 7 2 5 Begusarai 655 71 409 78 2,453 341 515 106 1,784 349 328 59 6 Bhagalpur 612 62 342 56 4,247 511 746 120 1,690 363 269 58 7 Bhojpur 530 58 369 72 3,406 391 723 121 1,489 288 152 32 8 Buxar 245 27 176 35 1,224 154 220 43 398 91 31 8 9 Darbhanga 569 63 572 91 2,923 398 814 161 1,653 330 171 40 10 Gaya 782 81 886 155 4,763 635 1,138 255 1,378 331 327 87 11 Gopalganj 348 37 174 35 968 137 231 49 582 130 66 17 12 Jamui 157 15 72 14 733 84 215 31 528 92 107 17 13 Jehanabad 129 14 81 14 578 74 95 20 218 45 26 6 14 Kaimur 130 14 67 12 549 68 75 14 723 127 52 10 15 Katihar 304 32 345 66 2,442 318 421 78 1,064 220 278 56 16 Khagaria 118 12 63 12 1,017 114 189 32 839 146 105 25 17 Kishanganj 305 35 187 36 1,119 164 105 25 502 101 51 10 18 Lakhisarai 145 14 128 23 1,005 124 107 17 508 110 36 10 19 Madhepura 201 22 71 13 1,368 159 343 46 1,336 229 244 45 20 Madhubani 435 45 251 49 1,233 146 290 56 937 170 108 24 21 Munger 373 38 220 37 2,003 253 476 79 1,658 313 201 45 22 Muzaffarpur 426 46 435 73 4,686 594 676 130 1,237 267 154 41 23 Nalanda 1,269 130 388 75 3,144 432 738 132 1,010 217 174 38 24 Nawada 94 11 150 30 1,354 165 166 32 558 99 45 9 25 Pashchim Champaran 718 76 282 53 2,554 325 445 94 1,324 273 93 22 26 Patna 2,508 267 2,780 488 14,782 1,879 3,178 653 3,300 812 368 103 27 Purbi Champaran 559 59 198 39 3,351 407 1,042 122 2,495 442 2,071 314 28 Purnea 768 81 362 64 2,740 361 539 91 1,731 330 193 34 29 Rohtas 420 46 486 87 2,877 352 662 107 1,433 292 220 44 30 Saharsa 306 32 331 50 2,025 259 737 111 1,169 234 351 68 31 Samastipur 221 23 377 54 1,926 233 653 135 1,060 185 73 20 32 Saran 535 54 162 26 3,240 374 509 100 1,467 281 121 23 33 Sheikhpura 63 7 77 15 801 92 112 24 277 53 36 6 34 Sheohar 33 3 12 2 423 47 45 8 158 33 3 1 35 Sitamarhi 476 48 423 78 1,704 210 456 94 666 144 135 32 36 Siwan 336 34 89 17 962 120 168 30 756 141 42 10 37 Supaul 110 15 74 15 978 130 90 19 351 64 71 13 38 Vaishali 173 18 63 11 1,687 209 199 41 567 121 118 24 Grand Total 15,771 1,670 11,803 2,104 85,609 10,828 17,968 3,350 39,037 7,872 6,994 1,397

Source: Ministry of Housing and Urban AffairsF. Details of district wise loans sanctioned under Stand-Up India Scheme in Bihar (No. of Accounts in Actual & Sanctioned Amount in Rs Crore) 2021-2022 2022-2023 2023-2024 2024-2025 Si No District Name No Amt. No Amt. No Amt. No Amt.

1 Araria 8 1.6 18 2.9 21 3.0 41 11 2 Arwal 3 0.4 11 1.3 11 1.3 3 0 3 Aurangabad 28 5.9 53 10.4 21 3.3 26 4 4 Banka 8 1.1 17 2.2 18 2.9 14 3 5 Begusarai 50 10.4 75 15.3 52 9.1 60 16 6 Bhagalpur 25 4.5 54 9.0 47 7.6 89 19 7 Bhojpur 15 3.0 42 7.8 19 2.9 43 9 8 Buxar 8 2.3 19 2.2 8 0.9 25 5 9 Darbhanga 17 4.6 24 5.2 36 7.3 71 21 10 Gaya 40 7.6 86 15.8 58 8.7 64 18 11 Gopalganj 3 1.6 16 4.1 14 3.0 42 12 12 Jamui 13 3.2 5 0.9 3 0.6 16 4 13 Jehanabad 9 1.5 14 2.1 9 1.1 6 1 14 Kaimur 8 1.1 24 3.5 15 2.0 26 4 15 Katihar 8 1.6 29 4.4 35 5.2 56 10 16 Khagaria 13 2.5 13 4.8 12 1.5 39 9 17 Kishanganj 7 1.1 8 2.1 7 1.7 14 4 18 Lakhisarai 12 3.0 5 1.8 5 0.7 10 2 19 Madhepura 4 0.6 11 1.5 20 2.3 29 7 20 Madhubani 10 2.3 63 9.5 25 3.1 45 8 21 Munger 9 1.5 3 0.6 15 2.9 21 5 22 Muzaffarpur 31 7.1 66 13.9 78 16.8 129 36 23 Nalanda 18 3.9 49 9.6 34 7.0 61 13 24 Nawada 8 1.4 34 5.5 20 2.5 20 5 25 Pashchim Champaran 5 0.8 15 4.6 34 5.8 46 9 26 Patna 131 27.7 338 70.1 188 32.6 315 78 27 Purbi Champaran 7 1.2 26 4.8 48 7.6 103 31 28 Purnea 19 4.4 30 6.9 31 5.8 82 22 29 Rohtas 23 4.6 49 10.2 22 5.9 31 5 30 Saharsa 7 0.9 22 3.0 13 1.9 32 7 31 Samastipur 30 6.7 75 16.4 45 7.9 79 24 32 Saran 29 4.9 43 6.9 35 6.2 80 17 33 Sheikhpura 8 1.5 11 1.9 7 1.1 11 3 34 Sheohar 6 0.9 6 1.7 3 0.5 13 3 35 Sitamarhi 1 0.5 23 4.4 20 3.2 39 12 36 Siwan 16 2.8 16 3.0 23 3.5 50 11 37 Supaul 5 0.9 41 6.1 29 4.4 27 9 38 Vaishali 10 2.6 49 7.3 46 7.7 56 11 Grand Total 652 134.2 1483 283.7 1127 191.1 1914 468 *Note: Stand-up India scheme, which was launched in April 2016, concluded on 31 March 2025

Source: SIDBI