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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 1375
ANWERED ON MONDAY, JULY 27, 2026/SHRAVANA 5, 1948 (SAKA)
Waiver of Loans
1375. DR. D RAVI KUMAR:
Will the Minister of FINANCE be pleased to state:
(a) whether the Government has taken note of the demand from farmers for waiver of
agricultural loans availed from nationalised banks, particularly in view of rising farm distress
and indebtedness, if so, the details thereof;
(b) whether it is a fact that while several State Governments, including Tamil Nadu, have
announced waivers of cooperative crop loans, no similar relief has been extended for crop loans
outstanding in public sector banks, if so, the details thereof;
(c) the total outstanding agricultural loans of farmers in nationalised/public sector banks as on
31 March 2026, State-wise; and
(d) whether the Government proposes to consider a one-time waiver or restructuring of such
loans for small and marginal farmers and if so, the details thereof ?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) and (b) 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.
State Level Bankers' Committee (SLBC), Tamil Nadu, has informed that no crop loan waivers
have been extended for loans outstanding with Public Sector Banks in the State of Tamil Nadu
during the last three financial years.
(c) The State-wise details of outstanding Agricultural loans in Public Sector Banks, as reported
by Banks on ENSURE portal of NABARD, are given in the Annexure.
(d) No proposal for one-time waiver of loans of small and marginal farmers is currently under
consideration with the Union Government.
*****Annexure
State-wise Outstanding Agricultural Loans in Public Sector Banks as on 31 March 2026
Outstanding Amount
Sr. No State/UT
(Rs. Crore)
1 A and N ISLAND 407.63
2 ANDHRA PRADESH 2,69,415.73
3 ARUNACHAL PRADESH 550.4
4 ASSAM 12,154.08
5 BIHAR 39,387.38
6 CHANDIGARH UT 1,803.73
7 CHHATTISGARH 13,276.39
8 D & N HAVELI UT and DAMAN & DIU UT 195.39
9 DELHI 7,717.23
10 GOA 1,367.34
11 GUJARAT 74,176.52
12 HARYANA 39,786.04
13 HIMACHAL PRADESH 8,167.54
14 JAMMU and KASHMIR 1,587.29
15 JHARKHAND 13,576.70
16 KARNATAKA 1,35,159.62
17 KERALA 91,140.68
18 LADAKH 47.14
19 LAKSHADWEEP UT 59.69
20 MADHYA PRADESH 79,353.97
21 MAHARASHTRA 1,33,362.96
22 MANIPUR 902.8
23 MEGHALAYA 637.51
24 MIZORAM 206.54
25 NAGALAND 605.39
26 ODISHA 36,635.56
27 PUDUCHERRY 5,905.79
28 PUNJAB 48,421.94
29 RAJASTHAN 88,599.32
30 SIKKIM 316.23
31 TAMILNADU 3,44,996.64
32 TELANGANA 1,15,078.19
33 TRIPURA 1,076.40
34 UTTAR PRADESH 1,38,907.63
35 UTTARAKHAND 9,710.59
36 WEST BENGAL 56,431.43
Source : Data submitted by banks on ENSURE Portal of NABARD (provisional)