S. No.

Financial Inclusion

6.1

Distribution of Outstanding Loan of Cultivator Households by Source (Rural) (Per Cent) (1971, 1981, 1991 and 2002)

6.2

All-India Direct Institutional Credit for Agriculture and Allied Activities (Total) (Short-term and Long-term) (Rs Billion) (197071 to 201011)

6.3
6.4

All-India Indirect Institutional Credit for Agriculture and Allied Activities (Rs Billion)
All-India Scheduled Commercial Banks' Direct Finance to Farmers According to Size of Landholdings (Disbursement) (Short-term and Long-term
Loans)

6.5

All-India Scheduled Commercial Banks' Direct Finance to Farmers According to Size of Landholdings (Outstanding) (Short-term and Long-term Loans)

6.6

All-India Sectoral Deployment of Gross Bank Credit (Rs Billion)

6.7

All-India Purpose-wise Distribution of Credit from Regional Rural Banks (Rs Billion)

6.8

State-wise Select Indicators of Primary Agricultural Credit Societies (PACSs) as of March 2011

6.9

State-wise and Agency-wise Progress of Kisan Credit Card Scheme as of March 2012

6.10

All-India Sub-sector-wise Ground Level Credit Flow for Agriculture and Allied Activities (Rs Crore) (200506 to 201011)

6.11

All-India Agency-wise Ground Level Credit Flow (Rs Crore) (200607 to 201112)

6.12

State-wise Number of Branches of Commercial Banks Functioning (2002 and 2009)

6.13

State-wise Proportion of Rural Households Availing Banking Services (Per Cent) (2011)

6.14

All-India Progress under SHG-Bank Linkage (200910, 201011 and 201112)

6.15

State-wise and Agency-wise Progress under Microfinance-savings of SHGs with Banks (as on 31 March 2012)

6.16

All-India Agency-wise NPAs of Bank Loans to SHGs (Rs Crore) (2010, 2011 and 2012)

6.17

State-wise Financing of Joint Liability Groups (JLGs) (Rs Lakh) (201112)

6.18

All-India Progress under MFI-Bank Linkage Programme (200809, 200910, 201011 and 201112)

6.19

All-India Loans to MFIs by Banks/Financial Institutions (200809, 200910, 201011 and 201112)

Table 6.1: Distribution of Outstanding Loan of Cultivator Households by Source (Rural) (Per Cent) (1971,
1981, 1991 and 2002)
Credit agency
Government
Co-operative societies/Banks
Commercial banks
Insurance
Provident fund
Other institutional agencies
All institutional agencies
Landlords
Agriculturist moneylenders
Professional moneylenders
Traders
Relatives and friends
Others
Unspecified
All non-institutional agencies
All agencies

1971
7.1
22
2.4
0.1
0.1
31.7
8.1
23
13.1
8.4
13.1
2.6
68.3
100

1981
3.9
29.9
28.9
0.3
0.2
63.2
3.6
8.3
7.8
3.2
8.7
5.2
36.8
100

1991
5.7
23.6
35.2
0.2
0.5
1.1
66.3
3.7
6.8
10.7
2.2
4.6
2.6
3.1
33.7
100

2002
1.7
30.2
26.3
0.3
0.2
2.4
61.1
0.9
9.9
16.9
2.6
6.2
2.4
38.9
100

Sources: NSS 48th Round, Report No. 420, Indebtedness of Rural Households as on 30.06.91, Debt and Investment Survey,
1992; NSS 59th Round, Report No. 501, Household Indebtedness in India as on 30.06.2002, All India Debt and Investment
Survey, 2003.

Table 6.2: All-India Direct Institutional Credit for Agriculture and Allied Activities (Total) (Short-term and Long-term) (Rs Billion)
(197071 to 201011)
Loans issued
Year
Co-operatives
197071
197172
197273
197374
197475
197576
197677
197778
197879
197980
198081
198182
198283
198384
198485
198586
198687
198788
198889
198990
199091
199192
199293
199394
199495
199596
199697
199798
199899
199900
200001
200102
200203
200304
200405
200506
200607
200708
200809
200910
201011

7.4
7.7
9.6
8.8
10.4
11.9
14.3
14.4
16.2
18.2
20.3
24.8
27.2
29.4
31.5
36.7
37.0
47.1
48.7
54.1
48.2
58.0
64.8
84.8
98.8
124.8
132.5
141.6
151.0
256.8
273.0
305.7
340.4
400.5
450.1
481.2
540.2
576.4
587.9
749.4
-

State
governments
0.7
1.0
1.8
0.9
0.8
0.8
0.8
1.0
1.2
1.3
1.4
1.5
1.9
1.9
2.4
3.5
2.1
4.8
2.7
2.9
3.6
3.4
3.9
3.8
4.1
5.5
6.7
8.6
4.2
5.2
4.9
4.4
-

Loans outstanding

SCBs

RRBs

Total

0.1
0.2
2.2
2.7
4.0
5.1
5.7
8.0
9.7
12.6
15.0
12.2
18.6
24.6
27.3
33.3
35.3
38.1
42.8
46.8
48.1
49.6
54.0
74.1
92.7
106.7
115.4
146.6
163.5
164.4
186.4
252.6
362.0
483.7
806.0
1,152.7
1,134.7
1,606.9
1,882.5
-

0.02
0.2
0.4
1.0
1.7
2.2
2.6
3.1
4.0
4.8
4.8
4.2
6.5
3.3
6.0
7.0
7.5
10.8
13.8
17.5
21.0
25.2
29.9
39.7
45.5
58.8
71.8
119.3
153.0
202.3
238.4
265.0
346.4
439.7

8.2
8.8
11.6
11.9
13.9
16.7
20.4
21.6
26.4
29.3
34.4
43.0
43.5
52.4
61.7
71.6
77.2
92.0
93.8
106.3
101.9
115.4
125.3
150.1
187.7
236.9
263.5
286.6
327.0
455.3
481.9
542.0
651.7
834.3
1,053.0
1,440.2
1,895.1
1,949.5
2,459.8
-

Co-operatives
16.0
18.4
19.7
21.7
23.6
28.0
30.7
33.8
38.5
43.2
48.2
51.6
57.3
63.7
69.5
74.7
83.5
94.1
105.7
105.3
121.8
137.7
153.2
168.1
191.3
205.6
213.9
222.0
419.5
461.4
521.1
590.6
714.0
788.2
823.3
894.4
656.7
640.5
764.8
-

SCBs

RRBs

Total

2.7
3.4
4.4
5.6
7.9
10.3
13.4
18.2
23.6
30.4
35.4
41.4
52.8
66.1
84.2
93.5
114.2
128.4
152.8
170.3
169.8
182.9
191.1
209.2
234.3
263.3
284.5
298.2
334.4
382.7
451.1
538.0
681.0
955.2
1,356.0
1,690.2
2,028.0
2,561.2
3,154.4
-

1.7
1.8
2.7
3.8
5.1
7.0
8.7
10.6
13.1
15.5
18.4
17.5
19.8
22.1
25.6
30.1
34.7
40.4
46.8
53.9
59.9
72.5
82.9
102.6
117.2
167.1
215.1
274.5
332.2
373.7
462.8
550.7

18.7
21.8
24.1
27.2
31.5
38.3
44.1
52.1
63.8
75.4
86.4
96.8
115.2
136.8
162.3
178.8
210.8
238.0
276.9
293.2
311.4
342.6
369.9
407.4
460.2
509.2
545.2
574.1
813.8
916.5
1,055.0
1,231.3
1,512.3
1,910.5
2,394.4
2,859.1
3,016.8
3,575.3
-

Notes: SCBs: Scheduled Commercial Banks; RRBs: Regional Rural Banks; Outstanding loan is (principal+unrecovered interest). Data upto 199091
pertain to the period JulyJune and AprilMarch thereafter. In case of SCBs, data for all the years pertain to the JulyJune period; RRBs came into
existence in 197576. The data since 19992000 are strictly not comparable with the earlier years as it covers not only Primary Agricultural Credit Societies
(PACSs) but also State Co-operative Agriculture and Rural Development Banks (SCARDBs) and Primary Co-operative Agriculture and Rural Development
Banks (PCARDBs), while the earlier period covers PACs only. In direct credit, borrowers would be directly held responsible for its repayment to the lending
agency.
Source: Handbook of Statistics on Indian Economy, RBI Annual Publications website
(http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook of Statistics on Indian Economy, accessed on 1 May 2013).

Table 6.3: All-India Indirect Institutional Credit for Agriculture and Allied Activities (Rs Billion)
Loans issued

Loans outstanding

Year
Co-operatives
197172
197273
197374
197475
197576
197677
197778
197879
197980
198081
198182
198283
198384
198485
198586
198687
198788
198889
198990
199091
199192
199293
199394
199495
199596
199697
199798
199899
199900
200001
200102
200203
200304
200405
200506
200607
200708
200809
200910
201011

3.2
4.9
4.3
5.1
5.6
6.2
5.7
8.3
8.9
11.5
15.0
19.6
24.0
29.9
37.4
18.6
24.5
19.4
16.9
17.3
20.0
20.7
100.8
123.4
173.7
189.3
199.7
208.2
821.9
913.4
840.9
921.5
935.7
1,141.3
1,220.7
1,357.4
1,457.8
-

SCBs

RRBs

REC

Total

2.7
1.9
2.1
2.0
2.0
1.6
3.3
5.8
10.4
12.7
19.0
20.0
34.3
39.7
79.9
62.6
89.4
217.3
277.5
387.7
402.8
737.2
828.4
-

0.02
0.03
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.05
0.004
0.001
0.01
0.01
0.1
0.1
0.1
-

0.4
0.5
0.5
0.8
0.8
0.9
1.1
1.5
1.7
1.8
1.9
2.5
3.0
3.3
3.5
4.4
6.5
8.0
7.1
7.1
5.9
4.7
6.9
9.7
8.3
7.9
10.9
22.0
30.5
41.1
47.2
66.1
60.2
74.4
74.9
107.3
129.5
171.6
211.3
245.2

3.6
5.4
4.8
5.9
6.3
7.1
6.8
33.8
29.5
26.2
26.5
27.9
27.1
111.0
138.9
192.4
209.9
229.8
250.3
886.8
994.1
968.0
1,050.2
1,085.2
1,433.0
1,573.1
1,852.4
1,990.1
-

Co-operatives
1.4
1.4
2.0
3.0
2.4
2.6
3.8
4.8
3.4
6.4
8.4
13.4
17.0
22.0
28.9
21.3
23.1
23.8
22.3
23.6
24.9
25.9
134.1
165.2
174.1
197.0
208.2
220.2
673.6
795.7
890.9
929.2
1,023.1
1,101.3
1,199.3
1,363.9
1,479.8
-

SCBs

RRBs

REC

Total

1.7
1.9
2.1
2.8
3.0
3.5
5.1
6.3
7.3
10.0
11.6
13.1
13.9
14.6
13.7
14.2
15.1
15.4
14.3
11.9
14.3
15.5
21.0
28.7
36.7
49.9
63.3
81.2
129.7
188.3
182.4
236.9
285.2
360.7
571.8
825.6
934.4
1,107.0
1,455.5
1,469.2

0.1
0.2
0.2
0.2
0.3
0.3
0.3
0.3
0.4
0.4
0.5
0.2
0.4
0.4
0.3
0.3
0.3
0.5
0.1
0.3
0.3
-

0.6
1.1
1.6
2.4
3.2
4.0
5.0
6.4
7.8
9.3
10.9
12.9
14.9
16.7
19.2
22.9
28.3
34.6
39.6
45.2
48.7
51.7
56.5
61.9
66.3
71.5
78.0
88.4
121.9
141.9
159.4
165.1
183.0
210.6
245.6
312.6
386.2
506.5
659.8
817.3

3.7
4.4
5.7
8.2
8.5
10.1
13.9
17.5
18.7
25.8
31.1
39.6
46.1
53.6
62.1
58.8
66.9
74.2
76.7
80.9
88.3
93.9
212.0
256.1
277.4
318.9
349.6
390.1
925.5
1,125.8
1,232.7
1,331.2
1,491.3
1,672.7
2,016.7
2,502.2
2,800.4
-

Notes: SCBs: Scheduled Commercial Banks; RRBs: Regional Rural Banks; REC: Rural Electrification Corporation Limited; Outstanding loan is
(principal+unrecovered interest). RRBs came into existence in 197576. Data up to 199091 pertain to the period JulyJune and AprilMarch thereafter. In case of
SCBs, data for all the years pertain to the JulyJune period. The data since 19992000 are strictly not comparable with the earlier years as it covers not only Primary
Agricultural Credit Societies (PACSs) but also State Co-operative Agriculture and Rural Development Banks (SCARDBs) and Primary Co-operative Agriculture and
Rural Development Banks (PCARDBs), while the earlier period covers PACSs only. Data for loans from co-operatives since 199394 are not strictly comparable with
the earlier period as many defaulters became non-defaulters with the implementation of the Agricultural and Rural Debt Relief (ARDR) Scheme resulting in an
increase in the assistance from banks; Introduction/stabilisation of Lead Bank Returns (LBRs) and increase in the number of banks as well as in the awareness and
consequent improvement in the data maintenance and reporting system at the field level resulted in an increase in the amount of loans reported in subsequent years.
Total for loans issued for the years 197879 to 198687 and for both loans issued and loans outstanding for the years 200809 to 201011 are not provided. In
indirect credit, funds would reach agriculture indirectly through some intermediary organisation/institution/agencies. In such a case, the fund availing agencies would
be responsible for its repayment to the credit giving agencies.
Source: Handbook of Statistics on Indian Economy , RBI Annual Publications website (http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook of
Statistics on Indian Economy, accessed on 1 May 2013).

Table 6.4: All-India Scheduled Commercial Banks' Direct Finance to Farmers According to Size of Landholdings (Disbursement) (Short-term and Long-term Loans)
Marginal farmers
(Up to 2.5 acres)

Small farmers
(Above 2.5 acres to 5 acres)

Medium and large farmers

(Above 5 acres)

Total

Year (End-June)
No. of accounts
('000)
198081
198182
198283
198384
198485
198586
198687
198788
198889
198990
199091
199192
199293
199394
199495
199596
199697
199798
199899
199900
200001
200102
200203
200304
200405
200506
200607
200708
200809
200910

1,587
682
1,304
1,831
1,829
1,950
2,045
2,236
2,191
2,057
1,960
1,862
1,871
1,886
2,032
2,024
2,076
2,104
2,308
2,342
2,382
2,679
2,494
3,711
4,478
5,004
5,963
6,605
8,544
8,127

Amount
(Rs billion)
2.5
1.3
2.9
4.0
5.1
6.2
7.6
8.2
8.8
10.3
11.8
11.7
11.7
13.1
16.9
20.0
21.8
22.9
27.9
33.4
37.4
43.5
48.3
79.5
108.3
168.2
232.5
253.5
342.7
426.3

No. of accounts
('000)
693
332
652
1,072
1,241
1,232
1,386
1,442
1,453
1,337
1,219
1,289
1,336
1,341
1,518
1,689
1,676
1,811
1,878
1,871
1,860
1,933
1,934
2,695
3,172
3,670
4,008
4,463
6,641
7,175

Amount
(Rs billion)
1.7
1.0
2.1
3.7
4.8
5.9
7.1
7.6
8.4
8.9
9.5
10.1
10.3
11.8
14.7
19.5
22.9
24.1
31.8
34.7
36.4
43.7
55.8
73.4
105.5
176.2
215.9
232.2
332.8
443.3

No. of accounts
('000)
790
335
616
835
903
988
1,044
1,038
990
947
899
949
1,000
1,192
1,261
1,703
1,745
1,420
1,659
1,581
1,599
2,359
1,983
2,259
2,535
3,670
4,379
4,932
6,811
6,385

Amount
(Rs billion)
5.9
2.5
4.8
7.4
9.5
10.4
12.8
13.6
14.7
16.1
17.8
18.9
20.0
20.7
29.7
37.0
45.1
48.3
58.6
72.1
71.3
75.8
114.4
165.9
197.4
326.8
493.4
481.4
727.5
730.6

No. of accounts
('000)
3,070
1,349
2,571
3,738
3,972
4,170
4,475
4,716
4,634
4,341
4,078
4,100
4,206
4,419
4,812
5,416
5,496
5,336
5,845
5,794
5,841
6,970
6,411
8,665
10,185
12,344
14,350
16,000
21,996
21,687

Amount
(Rs billion)
10.1
4.8
9.8
15.2
19.4
22.4
27.4
29.4
31.9
35.3
39.1
40.7
42.1
45.6
61.4
76.6
89.8
95.3
118.3
140.1
145.2
163.0
218.6
318.9
411.2
671.2
941.7
967.1
1,403.0
1,600.2

Source: Handbook of Statistics on Indian Economy , RBI Annual Publications website (http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook of Statistics on Indian Economy, accessed on 1 May
2013).

Table 6.5: All-India Scheduled Commercial Banks' Direct Finance to Farmers According to Size of Landholdings (Outstanding) (Short-term and Long-term Loans)
Marginal farmers
(Up to 2.5 acres)

Small farmers
(Above 2.5 acres to 5 acres)

Medium and large farmers

(Above 5 acres)

Total

Year (End-June)
No. of accounts
('000)
198081
198182
198283
198384
198485
198586
198687
198788
198889
198990
199091
199192
199293
199394
199495
199596
199697
199798
199899
199900
200001
200102
200203
200304
200405
200506
200607
200708
200809
200910

Amount
(Rs billion)

3,017
3,202
3,573
4,029
4,397
5,104
5,227
5,871
6,073
6,082
6,137
6,063
6,057
6,007
5,463
5,557
5,296
4,890
4,408
4,544
4,600
4,902
4,749
6,086
7,299
8,239
9,954
11,345
11,708
17,321

4.8
6.1
7.6
9.5
11.6
15.3
16.8
20.1
23.2
27.3
28.9
32.4
34.4
36.0
38.9
43.3
48.9
50.6
55.1
61.8
72.1
87.6
98.1
148.0
205.0
297.2
373.4
464.6
602.0
779.5

No. of accounts
('000)
1,645
1,821
2,147
2,564
3,001
3,557
3,707
4,190
4,354
4,351
4,346
4,439
4,460
4,282
4,047
4,255
4,219
4,034
3,711
3,777
3,689
3,961
4,092
4,806
5,874
6,677
7,548
9,512
9,570
14,220

Amount
(Rs billion)
4.0
5.1
6.7
9.1
11.6
14.8
16.8
20.4
23.1
26.7
28.7
30.5
33.3
34.1
36.6
43.0
50.3
54.4
56.8
64.5
73.1
96.9
113.2
139.7
207.6
292.6
378.2
466.3
597.9
729.2

No. of accounts
('000)
1,931
2,119
2,504
2,414
2,649
3,135
3,116
3,542
3,593
3,706
3,563
3,669
3,878
3,637
3,492
3,461
3,575
3,354
3,389
3,379
3,555
3,394
3,835
4,377
5,274
6,321
6,985
8,739
10,884
17,657

Amount
(Rs billion)
14.5
17.2
19.6
24.4
29.4
36.8
40.2
50.3
54.6
64.9
66.2
70.6
74.4
79.0
83.6
92.7
104.7
117.5
126.5
147.2
169.6
190.8
238.3
287.9
372.2
527.7
648.1
809.6
993.5
1,195.0

No. of accounts
('000)
6,593
7,142
8,224
9,007
10,046
11,796
12,050
13,603
14,020
14,140
14,045
14,170
14,395
13,926
13,002
13,273
13,090
12,278
11,507
11,700
11,844
12,257
12,676
15,268
18,447
21,237
24,487
29,596
32,162
49,198

Amount
(Rs billion)
23.3
28.4
33.9
43.0
52.6
66.9
73.9
90.9
101.0
118.9
123.9
133.5
142.1
149.1
159.1
178.8
204.0
222.5
238.4
273.5
314.9
375.3
449.6
575.6
784.8
1,117.4
1,399.6
1,740.4
2,193.4
2,703.7

Note: Outstanding loan is principal+unrecovered interest.

Source: Handbook of Statistics on Indian Economy , RBI Annual Publications website (http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook of Statistics on Indian Economy, accessed on 1 May
2013).

Table 6.6: All-India Sectoral Deployment of Gross Bank Credit (Rs Billion)
Outstanding as of

Percentage variation

Sectors
Agriculture and allied activities
Industry
Infrastructure
Micro and small industries
Services
Trade
Commercial real estate
Tourism, hotels & restaurants
Computer software
Non-banking financial companies
Personal loans
Credit card outstanding
Education
Housing (including priority sector
housing)
Advances against fixed deposits
(including FCNR [B], NRNR Deposits,
etc.)
Total non-food gross bank credit
Total gross bank credit

201112

March 2011

March 2012

4,603
16,208
5,266
2,291
9,008
1,863
1,118
277
151
1,756
6,854
181
437

5,226
19,659
6,191
2,592
10,330
2,209
1,205
313
154
2,218
7,683
204
502

10.6
23.6
38.6
11.0
23.9
13.2
21.4
42.9
20.3
54.8
17.0
-10.2
18.6

13.5
21.3
17.6
13.1
14.7
18.6
7.8
12.9
2.1
26.3
12.1
12.9
14.8

3,461

3,880

15.0

12.1

605

685

24.4

13.2

36,674
37,315

42,897
43,714

20.6
20.8

17.0
17.1

201011

Notes: Percentage variation could be slightly different as absolute numbers have been rounded off to Rs billion. Components may
not add up due to rounding off numbers of Rs billion. FCNR (B): Foreign Currency Non-Resident (Bank); NRNR: Non-Resident
Non-Repatriable.
Source: Report on Trend and Progress of Banking in India 201112, Reserve Bank of India, 2012, website
(http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).

Table 6.7: All-India Purpose-wise Distribution of Credit from Regional Rural Banks (Rs Billion)
As of end-March
2011

As of end-March
2012 (P)

Agriculture (i to iii)
Share of agriculture in total credit (%)
Short-term credit (crop loans)
Term credit (for agriculture and allied activities)
Indirect advances
Non-agriculture (i to iv)
Share of non-agriculture in total credit (%)
Rural artisans
Other industries
Retail trade
Other purposes
Total (1+2)
Memo item
Priority sector
Non-priority sector

551
56
407
144
439
44
9
26
51
353
989

641
53
474
167
564
47
11
36
66
452
1,206

826
163

974
231

Percentage share of priority sector in total credit

84

81

S. No.

Purpose

1
i.
ii.
iii.
2
i.
ii.
iii.
iv.

a.
b.
c.

Notes: P: Provisional; Components may not add up to total due to rounding off numbers to Rs billion.
Source: Report on Trend and Progress of Banking in India 201112, Reserve Bank of India, 2012, website
(http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).

Table 6.8: State-wise Select Indicators of Primary Agricultural Credit Societies (PACSs)
as of March 2011

States

Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

No. of PACSs

2,792
34
766
8,463
1,213
81
8,117
646
2,110
765
498
4,811
1,573
4,526
21,343
204
179
133
1,719
2,452
3,990
5,264
169
4,488
268
8,929
758
7,007
93,413

Deposits (Rs
million)
12,086
1,753
2,619
337
11,795
5,012
4,482
12
774
32,372
211,398
7,043
1,097
7
25
1
642
7,982
9,081
6,377
38,334
43
682
3,531
14,187
372,382

Loans and advances

outstanding (Rs million)

Working
capital
(Rs million)

Agriculture

348,396
194
1,112
5,082
10,565
585
84,094
78,214
19,024
787
4,878
101,725
263,802
54,899
139,060
43
252
32
1,125
39,730
59,011
51,081
70
115,216
1,006
12,593
8,629
39,719
1,442,219

40,565
56
5,603
63
38,616
48,656
4,071
223
2,866
45,131
46,748
27,554
76,929
47
123
13
20
21,476
1,281
30,116
4
33,335
161
8,003
3,553
11,030
446,390

NonAgriculture
1,863
3
376
238
1,404
4,140
9
24,419
170,008
1,267
18,323
3
0.1
36
811
1,869
0.3
32,876
21
1,087
1,754
260,814

Notes: PACSs are short-term rural co-operatives operating at village level and managed/controlled by State Co-operative
Banks; All-India includes figures for UTs.
Source: Report on Trend and Progress of Banking in India 201112, Reserve Bank of India, 2012, website
(http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).

Table 6.9: State-wise and Agency-wise Progress of Kisan Credit Card Scheme as of March 2012
Co-operative banks
States

Cards issued
('000)

Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

27
7
35
195
1
126
26
13
1
10
109
129
473
206
3
674
24
125
154
21
476
48
77
2,961

Amount
sanctioned
(Rs billion)
1.7
0.1
0.8
7.7
0.02
3.3
1.8
1.9
0.04
0.1
4.2
7.0
39.6
6.9
0.03
0.01
8.0
2.3
3.8
4.3
0.2
9.4
1.1
2.1
106.4

Regional rural banks

Cards issued
('000)
143
84
204
74
37
47
16
8
69
93
51
79
46
2
1
84
25
92
65
43
521
8
203
1,995

Amount
sanctioned
(Rs billion)
5.2
2.3
12.9
2.0
2.0
6.2
1.7
0.5
1.1
6.0
4.1
8.1
2.1
0.04
0.02
1.5
5.4
12.3
2.4
0.5
32.2
0.5
6.1
115.2

Commercial banks
Cards issued
('000)
1,244
7
160
345
34
1
200
118
34
5
143
427
162
289
694
3
20
5
11
250
165
416
2
662
28
946
80
331
6,804

Amount
sanctioned
(Rs billion)
82.0
0.2
5.4
23.4
2.8
0.2
29.0
25.7
3.6
0.4
5.1
49.6
24.3
36.7
63.8
0.1
0.7
0.3
0.4
8.4
59.5
61.6
0.1
86.2
0.7
98.9
9.0
14.0
695.1

Total
Cards issued
('000)
1,414
7
251
584
303
2
363
191
63
14
222
629
342
841
946
3
25
6
11
1,008
214
633
2
881
92
1,943
136
611
11,760

Amount
sanctioned
(Rs billion)
88.9
0.2
7.8
37.1
12.5
0.2
34.3
33.7
7.2
0.9
6.3
59.8
35.4
84.4
72.8
0.1
0.7
0.3
0.4
17.9
67.2
77.7
0.1
92.9
1.4
140.4
10.6
22.2
916.8

Note: All-India includes figures for UTs.

Source: Report on Trend and Progress of Banking in India 201112, Reserve Bank of India, 2012, website (http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf,
accessed on 1 May 2013).

Table 6.10: All-India Sub-sector-wise Ground Level Credit Flow for Agriculture and Allied Activities (Rs Crore)
(200506 to 201011)
S. No.
1
2
i.
ii.
iii.
iv.
v.
vi.
vii.
viii.

Sector/Sub-sector
Crop loan (short-term
production credit)
Term loan (medium & longterm investment credit)
Minor irrigation
Land development
Farm mechanisation
Plantation & horticulture
Animal husbandry
Fisheries
Hi-tech agriculture
Others$
Total (1+2)

200506

200607

200708

200809

200910

201011

105,350

138,455

181,393

210,461

276,656

335,550

75,136
8,663
1,749
9,695
4,481
7,341
1,019
9,737
32,451
180,486

90,945
8,566
2,285
10,113
5,266
8,045
1,424
21,498
33,748
229,400

73,265
2,840
2,553
8,303
5,910
9,034
1,248
33,325
10,052
254,658

91,447
3,180
2,887
8,334
6,045
10,398
1,281
41,694
17,628
301,908

107,858
5,197
3,669
10,211
6,407
10,260
1,854
50,797
19,463
384,514

132,741
4,363
3,615
12,800
6,610
12,773
1,931
82,774
7,875
468,291

Note: $: Others include storage/market yards, forestry/waste-land development, Rural Infrastructure Development Fund (RIDF), bullock and bullock
carts and bio-gas.
Sources: NABARD Annual Report, 201011, 201112, website (https://www.nabard.org/english/allpublication.aspx, accessed on 11 April 2013).

Table 6.11: All-India Agency-wise Ground Level Credit Flow (Rs Crore) (200607 to 201112)
Agency
Co-operative banks
Regional rural banks
Commercial banks
Total

200607
42,480
20,435
166,485
229,400

200708
48,258
25,312
181,088
254,658

200809
45,966
26,765
228,951
301,908*

200910
63,497
35,217
285,800
384,514

201011
78,007
44,293
345,877
468,291**

201112 (P)
86,185
54,239
368,616
509,040

Note: P: Provisional; * includes Rs 226 crore by other agencies; ** includes Rs 114 crore by other agencies.
Sources: NABARD Annual Report, 201011, 201112, website (https://www.nabard.org/english/allpublication.aspx, accessed on 11 April 2013).

Table 6.12: State-wise Number of Branches of Commercial Banks Functioning (2002 and 2009)

2002

2009

States
Rural
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

2,434
56
816
2,503
715
158
1,550
700
657
576
983
2,199
346
1,940
2,306
43
130
61
37
1,613
1,115
1,886
36
1,809
120
4,874
526
2,277
32,588

All branches
5,152
68
1,229
3,546
1,043
326
3,666
1,519
779
816
1,445
4,737
3,297
3,445
6,281
78
179
78
70
2,223
2,534
3,310
47
4,740
179
8,121
837
4,415
65,906

Rural
2,393
50
786
2,350
654
161
1,487
690
729
547
973
2,166
331
1,756
2,148
35
125
55
36
1,653
1,123
1,756
46
1,708
110
4,807
571
2,311
31,695

All branches
6,536
76
1,377
3,825
1,217
407
4,339
2,149
950
973
1,705
5,768
4,053
3,958
7,555
80
201
93
86
2,689
3,255
3,900
71
5,890
213
9,658
1,083
5,023
79,779

Note: All-India includes figures for UTs.

Source: Branch Banking Statistics , vols 2 and 4, Reserve Bank of India (2002 and 2009), website
(http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Branch Banking Statistics, accessed on 6 September 2013).

Table 6.13: State-wise Proportion of Rural Households

Availing Banking Services (Per cent) (2011)

States

Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

Proportion of Rural
Households Availing Banking
Services (%)
50.4
43.1
38.3
42.3
46.1
84.9
51.3
65.9
89.1
65.4
47.4
58.9
73.9
40.7
62.9
23.5
28.2
35.9
23.1
41.0
62.8
68.2
63.5
45.2
78.2
73.6
80.3
39.8
54.4

Source: Houselisting and Housing data, Census of India, 2011

website
(http://www.censusindia.gov.in/2011census/hlo/hlo_highlights.html,
accessed on 4 February 2013).

Table 6.14: All-India Progress under SHG-Bank Linkage (200910, 201011 and 201112)

Particulars

SHG savings with

banks as on
31 March

Loans disbursed to
SHGs during the year

Loans outstanding
against SHGs as
on 31 March

Total SHGs
Of which SGSY groups
% of SGSY groups to total
All women SHGs
% of Women groups
Total SHGs
Of which SGSY groups
% of SGSY groups to total
All women SHGs
% of women groups
Total SHGs
Of which SGSY groups
% of SGSY groups to total
All women SHGs
% of women groups

200910
No. of
SHGs
Amount
(lakh)
(Rs crore)
70
6,199
17
1,293
24
21
53
4,499
76
73
16
14,453
3
2,198
17
15
13
12,429
82
86
49
28,038
12
6,251
26
22
39
23,030
80
82

201011
No. of
SHGs
Amount
(lakh)
(Rs crore)
75
7,016
20
1,817
27
26
61
5,299
82
76
12
14,548
2
2,480
20
17
10
12,622
85
87
48
31,221
13
7,829
27
25
40
26,124
83
84

201112
No. of
SHGs
Amount
(lakh)
(Rs crore)
80
6,551
21
1,395
27
21
63
5,104
79
78
11
16,535
2
2,644
18
16
9
14,132
80
85
44
36,340
12
8,055
28
22
36
30,465
84
84

Notes: SHG: Self-help group; SGSY: Swarnajayanti Gram Swarozgar Yojana.

Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6
September 2013).

Table 6.15: State-wise and Agency-wise Progress under Microfinance-savings of Self-Help Groups (SHGs) with Banks (as on 31 March 2012)
Commercial banks
States
No. of SHGs
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

Savings amount
(Rs lakh)

1,062,591
6,983
102,764
150,445
47,850
5,400
136,741
22,655
29,621
4,324
58,869
260,010
494,562
85,730
430,614
5,955
9,057
2,104
6,353
235,829
27,600
108,277
4,626
718,907
11,636
196,140
24,377
350,641
4,618,086

114,991
103
5,992
9,742
2,650
492
9,768
1,618
1,362
341
5,133
39,996
31,603
8,444
45,357
103
231
44
133
12,366
3,968
4,168
178
61,425
253
26,180
4,161
23,145
415,298

Regional rural banks

No. of SHGs
405,904
959
149,291
154,668
58,756
0
58,713
18,114
7,101
774
30,734
176,156
42,879
64,452
94,519
5,784
2,507
2,202
679
226,745
4,257
67,927
0
52,708
16,696
265,849
16,019
199,733
2,127,368

Savings amount
(Rs lakh)
31,828
54
3,039
4,300
3,597
0
2,983
1,848
868
22
1,588
23,426
1,264
2,337
3,882
106
143
507
51
17,948
287
4,268
0
4,315
2,736
10,410
1,398
6,506
130,014

Co-operative banks
No. of SHGs
27,409
421
24,510
0
23,248
3,014
31,172
3,415
28,919
1,251
0
192,477
78,273
13,406
301,914
972
2,527
670
3,679
77,455
5,486
75,450
654
153,777
5,689
9,195
7,745
135,074
1,214,895

Notes: SHG: Self-help Group; All-India includes figures for UTs.

Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).

Savings amount
(Rs lakh)
2,196
29
815
0
1,148
377
1,212
212
1,058
70
0
36,791
8,504
448
23,123
10
40
22
191
5,822
408
4,351
82
13,300
389
232
355
8,043
109,829

Total
No. of SHGs
1,495,904
8,363
276,565
305,113
129,854
8,414
226,626
44,184
65,641
6,349
89,603
628,643
615,714
163,588
827,047
12,711
14,091
4,976
10,711
540,029
37,343
251,654
5,280
925,392
34,021
471,184
48,141
685,448
7,960,349

Savings amount
(Rs lakh)
149,016
186
9,846
14,042
7,394
869
13,963
3,678
3,289
433
6,722
100,213
41,371
11,229
72,362
219
415
573
374
36,136
4,663
12,787
260
79,040
3,378
36,821
5,913
37,694
655,141

Table 6.16: All-India Agency-wise Non-performing Assets (NPAs) of Bank Loans to Self-help Groups (SHGs) (Rs Crore) (2010, 2011 and 2012)

Agency
Commercial banks (public sector)
Commercial banks (private sector)
Regional rural banks
Co-operative banks
Total

Loans outstanding against SHGs

as on
31 March
31 March
31 March
2010
2011
2012
19,724
21,413
24,407
440
471
1,404
6,145
7,430
8,614
1,729
1,908
1,916
28,038
31,221
36,340

Amount of NPAs
as on
31 March
31 March
31 March
2010
2011
2012
514
1,020
1,581
24
47
74
219
273
426
67
134
131
823
1,474
2,213

Percentage of NPAs to loans

outstanding as on
31 March
31 March
31 March
2010
2011
2012
2.6
4.8
6.5
5.4
10.1
5.3
3.6
3.7
5.0
3.9
7.0
6.8
2.9
4.7
6.1

Notes: NPA: Non-performing asset; SHG: Self-help group.

Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).

Table 6.17: State-wise Financing of Joint Liability Groups (JLGs) (Rs Lakh) (201112)

States
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Punjab
Rajasthan
Sikkim
Tamil Nadu*
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All-India

No. of JLGs
promoted as on 31
March 2011
0
4
7,113
1,614
475
0
260
1,395
185
0
0
4,145
2,141
3,683
726
0
31
4
0
32,146
23
0
52
52,734
11
13,207
236
20,860
141,045

Loans disbursed
as on 31 March
2011
0
2
2,984
1,028
176
0
3
3,382
136
0
0
3,664
3,608
1,357
490
0
19
26
0
12,372
NA
0
64
70,262
5
1,647
57
13,248
114,529

No. of JLGs
promoted during
201112
35,773
0
9,140
19,325
1,385
259
2,209
1,303
640
0
175
31,786
5,024
3,603
2,679
0
33
73
0
21,116
856
3,185
13
16,516
0
7,106
1,541
27,864
191,662

Loans disbursed
during 201112
52,219
0
2,625
11,143
1,221
303
2,010
1,552
1,270
0
61
25,838
6,753
961
2,971
0
45
22
0
10,790
698
3,907
58
34,250
0
8,811
2,366
91
170,039

Cumulative no. of Cumulative loans

JLGs promoted as disbursed as on 31
on 31 March 2012
March 2012
35,773
52,219
4
2
16,253
5,610
20,939
12,171
1,860
1,396
259
303
2,469
2,013
2,698
4,934
825
1,406
0
0
175
61
35,931
29,502
7,165
10,361
7,286
2,318
3,405
3,461
0
0
64
64
77
48
0
0
53,262
23,162
879
698
3,185
3,907
65
122
69,250
104,512
11
5
20,313
10,458
1,777
2,423
48,724
13,339
332,707
284,569

Notes: * Cumulative no. of JLGs in Tamil Nadu includes repeat finance of 23,000 groups by co-operatives; NA: not available; All-India includes figures for UTs.
Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).

Table 6.18: All-India Progress under MFI-Bank Linkage Programme (200809, 200910, 201011 and 201112)
Particulars
Loans disbursed by banks to MFIs (Rs
Crore)
Loans outstanding against MFIs as on
31 March (Rs crore)
Fresh loans as % of loan outstanding

200809
No. of MFIs
Amount

200910
No. of MFIs Amount

201011
No. of MFIs Amount

201112
No. of MFIs Amount

581

3,732

779

10,729

471

8,449

465

5,205

1,915
-

5,009
75

1,659
-

13,956
77

2,315
-

13,731
62

1,960
-

11,450
46

Note: MFI: Microfinance institution.

Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).

Table 6.19: All-India Loans to MFIs by Banks/Financial Institutions (200809, 200910, 201011 and 201112)

Financing agency

All commercial banks

Regional rural banks

Co-operative banks

SIDBI

Total by all agencies

Year
200809
200910
201011
201112
200809
200910
201011
201112
200809
200910
201011
201112
200809
200910
201011
201112
200809
200910
201011
201112

Loans outstanding
Loans disbursed to MFIs against MFIs as on 31
during the year
March
No. of MFIs
Amount
No. of MFIs
Amount
522
3,719
1,762
4,978
645
8,039
1,407
10,095
460
7,601
2,153
10,647
336
4,951
1,684
9,811
59
13
153
31
46
24
103
52
9
4
23
42
113
13
128
38
NA
NA
NA
NA
0
0
3
0.01
NA
NA
NA
NA
4
2
19
5
NA
NA
NA
NA
88
2,666
146
3,808
2
844
139
3,042
12
239
129
1,597
581
3,732
1,915
5,009
779
10,729
1,659
13,956
471
8,449
2,315
13,731
465
5,205
1,960
11,450

Notes: SIDBI: Small Industries Development Bank of India; NA: not available.
Source: Status of Microfinance in India, NABARD, 201112 website (https://www.nabard.org/Publication/SMFI2012.pdf,
accessed on 6 September 2013).