S. No.

6.1

6.2

6.3

6.4

6.5

6.6

6.7

6.8

6.9

6.10

6.11

6.12

6.13

6.14

6.15

6.16

6.17

6.18
6.19
 Financial Inclusion

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

All-India Direct Institutional Credit for Agriculture and Allied Activities (Total) (Short-term and Long-term) (Rs Billion) (1970–71 to 2010–11)

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)

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

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

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

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

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

All-India Sub-sector-wise Ground Level Credit Flow for Agriculture and Allied Activities (Rs Crore) (2005–06 to 2010–11)

All-India Agency-wise Ground Level Credit Flow (Rs Crore) (2006–07 to 2011–12)

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

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

All-India Progress under SHG-Bank Linkage (2009–10, 2010–11 and 2011–12)

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

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

State-wise Financing of Joint Liability Groups (JLGs) (Rs Lakh) (2011–12)

All-India Progress under MFI-Bank Linkage Programme (2008–09, 2009–10, 2010–11 and 2011–12)
All-India Loans to MFIs by Banks/Financial Institutions (2008–09, 2009–10, 2010–11 and 2011–12)
 Table 6.1: Distribution of Outstanding Loan of Cultivator Households by Source (Rural) (Per Cent)
(1971, 1981, 1991 and 2002)

Credit agency 1971 1981 1991 2002

Government 7.1 3.9 5.7 1.7
Co-operative societies/Banks 22 29.9 23.6 30.2
Commercial banks 2.4 28.9 35.2 26.3
Insurance 0.1 0.3 0.2 0.3
Provident fund 0.1 0.2 0.5 0.2
Other institutional agencies - - 1.1 2.4
All institutional agencies 31.7 63.2 66.3 61.1
Landlords 8.1 3.6 3.7 0.9
Agriculturist moneylenders 23 8.3 6.8 9.9
Professional moneylenders 13.1 7.8 10.7 16.9
Traders 8.4 3.2 2.2 2.6
Relatives and friends 13.1 8.7 4.6 6.2
Others 2.6 5.2 2.6 2.4
Unspecified - - 3.1 -
All non-institutional agencies 68.3 36.8 33.7 38.9
All agencies 100 100 100 100

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)
(1970–71 to 2010–11)

Loans issued Loans outstanding

Year
Co-operatives State SCBs RRBs Total Co-operatives SCBs RRBs
governments
1970–71 7.4 0.7 - - 8.2 - - -
1971–72 7.7 1.0 0.1 - 8.8 16.0 2.7 -
1972–73 9.6 1.8 0.2 - 11.6 18.4 3.4 -
1973–74 8.8 0.9 2.2 - 11.9 19.7 4.4 -
1974–75 10.4 0.8 2.7 - 13.9 21.7 5.6 -
1975–76 11.9 0.8 4.0 0.02 16.7 23.6 7.9 -
1976–77 14.3 0.8 5.1 0.2 20.4 28.0 10.3 -
1977–78 14.4 1.0 5.7 0.4 21.6 30.7 13.4 -
1978–79 16.2 1.2 8.0 1.0 26.4 33.8 18.2 -
1979–80 18.2 1.3 9.7 - 29.3 38.5 23.6 1.7
1980–81 20.3 1.4 12.6 - 34.4 43.2 30.4 1.8
1981–82 24.8 1.5 15.0 1.7 43.0 48.2 35.4 2.7
1982–83 27.2 1.9 12.2 2.2 43.5 51.6 41.4 3.8
1983–84 29.4 1.9 18.6 2.6 52.4 57.3 52.8 5.1
1984–85 31.5 2.4 24.6 3.1 61.7 63.7 66.1 7.0
1985–86 36.7 3.5 27.3 4.0 71.6 69.5 84.2 8.7
1986–87 37.0 2.1 33.3 4.8 77.2 74.7 93.5 10.6
1987–88 47.1 4.8 35.3 4.8 92.0 83.5 114.2 13.1
1988–89 48.7 2.7 38.1 4.2 93.8 94.1 128.4 15.5
1989–90 54.1 2.9 42.8 6.5 106.3 105.7 152.8 18.4
1990–91 48.2 3.6 46.8 3.3 101.9 105.3 170.3 17.5
1991–92 58.0 3.4 48.1 6.0 115.4 121.8 169.8 19.8
1992–93 64.8 3.9 49.6 7.0 125.3 137.7 182.9 22.1
1993–94 84.8 3.8 54.0 7.5 150.1 153.2 191.1 25.6
1994–95 98.8 4.1 74.1 10.8 187.7 168.1 209.2 30.1
1995–96 124.8 5.5 92.7 13.8 236.9 191.3 234.3 34.7
1996–97 132.5 6.7 106.7 17.5 263.5 205.6 263.3 40.4
1997–98 141.6 8.6 115.4 21.0 286.6 213.9 284.5 46.8
1998–99 151.0 4.2 146.6 25.2 327.0 222.0 298.2 53.9
1999–00 256.8 5.2 163.5 29.9 455.3 419.5 334.4 59.9
2000–01 273.0 4.9 164.4 39.7 481.9 461.4 382.7 72.5
2001–02 305.7 4.4 186.4 45.5 542.0 521.1 451.1 82.9
2002–03 340.4 - 252.6 58.8 651.7 590.6 538.0 102.6
2003–04 400.5 - 362.0 71.8 834.3 714.0 681.0 117.2
2004–05 450.1 - 483.7 119.3 1,053.0 788.2 955.2 167.1
2005–06 481.2 - 806.0 153.0 1,440.2 823.3 1,356.0 215.1
2006–07 540.2 - 1,152.7 202.3 1,895.1 894.4 1,690.2 274.5
2007–08 576.4 - 1,134.7 238.4 1,949.5 656.7 2,028.0 332.2
2008–09 587.9 - 1,606.9 265.0 2,459.8 640.5 2,561.2 373.7
2009–10 749.4 - 1,882.5 346.4 - 764.8 3,154.4 462.8
2010–11 - - - 439.7 - - - 550.7

Notes: SCBs: Scheduled Commercial Banks; RRBs: Regional Rural Banks; Outstanding loan is (principal+unrecovered interest). Data upto 1990–91 pertain
to the period July–June and April–March thereafter. In case of SCBs, data for all the years pertain to the July–June period; RRBs came into existence in 1975–
76. The data since 1999–2000 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).
or Agriculture and Allied Activities (Total) (Short-term and Long-term) (Rs
Billion)
(1970–71 to 2010–11)

Loans outstanding

Total

-
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
-
-

Rural Banks; Outstanding loan is (principal+unrecovered interest). Data upto 1990–91 pertain
SCBs, data for all the years pertain to the July–June period; RRBs came into existence in 1975–
th the earlier years as it covers not only Primary Agricultural Credit Societies (PACSs) but also
(SCARDBs) and Primary Co-operative Agriculture and Rural Development Banks (PCARDBs),
rowers would be directly held responsible for its repayment to the lending agency.

al Publications website (http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook

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

Loans issued Loans outstanding

Year
Co-operatives SCBs RRBs REC Total Co-operatives SCBs RRBs

1971–72 3.2 - - 0.4 3.6 1.4 1.7 -

1972–73 4.9 - - 0.5 5.4 1.4 1.9 -
1973–74 4.3 - - 0.5 4.8 2.0 2.1 -
1974–75 5.1 - - 0.8 5.9 3.0 2.8 -
1975–76 5.6 - - 0.8 6.3 2.4 3.0 -
1976–77 6.2 - 0.02 0.9 7.1 2.6 3.5 -
1977–78 5.7 - 0.03 1.1 6.8 3.8 5.1 -
1978–79 8.3 - 0.1 1.5 - 4.8 6.3 -
1979–80 8.9 - - 1.7 - 3.4 7.3 0.1
1980–81 11.5 - - 1.8 - 6.4 10.0 0.2
1981–82 15.0 - 0.1 1.9 - 8.4 11.6 0.2
1982–83 19.6 - 0.1 2.5 - 13.4 13.1 0.2
1983–84 24.0 - 0.1 3.0 - 17.0 13.9 0.3
1984–85 29.9 - 0.1 3.3 - 22.0 14.6 0.3
1985–86 37.4 - - 3.5 - 28.9 13.7 0.3
1986–87 18.6 - - 4.4 - 21.3 14.2 0.3
1987–88 24.5 2.7 0.1 6.5 33.8 23.1 15.1 0.4
1988–89 19.4 1.9 0.1 8.0 29.5 23.8 15.4 0.4
1989–90 16.9 2.1 0.1 7.1 26.2 22.3 14.3 0.5
1990–91 17.3 2.0 0.1 7.1 26.5 23.6 11.9 0.2
1991–92 20.0 2.0 0.1 5.9 27.9 24.9 14.3 0.4
1992–93 20.7 1.6 0.05 4.7 27.1 25.9 15.5 0.4
1993–94 100.8 3.3 0.004 6.9 111.0 134.1 21.0 0.3
1994–95 123.4 5.8 0.001 9.7 138.9 165.2 28.7 0.3
1995–96 173.7 10.4 0.01 8.3 192.4 174.1 36.7 0.3
1996–97 189.3 12.7 0.01 7.9 209.9 197.0 49.9 0.5
1997–98 199.7 19.0 0.1 10.9 229.8 208.2 63.3 0.1
1998–99 208.2 20.0 0.1 22.0 250.3 220.2 81.2 0.3
1999–00 821.9 34.3 0.1 30.5 886.8 673.6 129.7 0.3
2000–01 913.4 39.7 - 41.1 994.1 795.7 188.3 -
2001–02 840.9 79.9 - 47.2 968.0 890.9 182.4 -
2002–03 921.5 62.6 - 66.1 1,050.2 929.2 236.9 -
2003–04 935.7 89.4 - 60.2 1,085.2 1,023.1 285.2 -
2004–05 1,141.3 217.3 - 74.4 1,433.0 1,101.3 360.7 -
2005–06 1,220.7 277.5 - 74.9 1,573.1 1,199.3 571.8 -
2006–07 1,357.4 387.7 - 107.3 1,852.4 1,363.9 825.6 -
2007–08 1,457.8 402.8 - 129.5 1,990.1 1,479.8 934.4 -
2008–09 - 737.2 - 171.6 - - 1,107.0 -
2009–10 - 828.4 - 211.3 - - 1,455.5 -
2010–11 - - - 245.2 - - 1,469.2 -

Notes: SCBs: Scheduled Commercial Banks; RRBs: Regional Rural Banks; REC: Rural Electrification Corporation Limited; Outstanding loan is (principal+unrec
interest). RRBs came into existence in 1975–76. Data up to 1990–91 pertain to the period July–June and April–March thereafter. In case of SCBs, data for all the
pertain to the July–June period. The data since 1999–2000 are strictly not comparable with the earlier years as it covers not only Primary Agricultural Credit So
(PACSs) but also State Co-operative Agriculture and Rural Development Banks (SCARDBs) and Primary Co-operative Agriculture and Rural Development
(PCARDBs), while the earlier period covers PACSs only. Data for loans from co-operatives since 1993–94 are not strictly comparable with the earlier period as
defaulters became non-defaulters with the implementation of the Agricultural and Rural Debt Relief (ARDR) Scheme resulting in an increase in the assistanc
banks; Introduction/stabilisation of Lead Bank Returns (LBRs) and increase in the number of banks as well as in the awareness and consequent improvement
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
years 1978–79 to 1986–87 and for both loans issued and loans outstanding for the years 2008–09 to 2010–11 are not provided. In indirect credit, funds would
agriculture indirectly through some intermediary organisation/institution/agencies. In such a case, the fund availing agencies would be responsible for its repa
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).
 titutional Credit for Agriculture and Allied Activities (Rs Billion)

Loans outstanding

REC Total

0.6 3.7
1.1 4.4
1.6 5.7
2.4 8.2
3.2 8.5
4.0 10.1
5.0 13.9
6.4 17.5
7.8 18.7
9.3 25.8
10.9 31.1
12.9 39.6
14.9 46.1
16.7 53.6
19.2 62.1
22.9 58.8
28.3 66.9
34.6 74.2
39.6 76.7
45.2 80.9
48.7 88.3
51.7 93.9
56.5 212.0
61.9 256.1
66.3 277.4
71.5 318.9
78.0 349.6
88.4 390.1
121.9 925.5
141.9 1,125.8
159.4 1,232.7
165.1 1,331.2
183.0 1,491.3
210.6 1,672.7
245.6 2,016.7
312.6 2,502.2
386.2 2,800.4
506.5 -
659.8 -
817.3 -

ural Banks; REC: Rural Electrification Corporation Limited; Outstanding loan is (principal+unrecovered
90–91 pertain to the period July–June and April–March thereafter. In case of SCBs, data for all the years
strictly not comparable with the earlier years as it covers not only Primary Agricultural Credit Societies
Development Banks (SCARDBs) and Primary Co-operative Agriculture and Rural Development Banks
or loans from co-operatives since 1993–94 are not strictly comparable with the earlier period as many
the Agricultural and Rural Debt Relief (ARDR) Scheme resulting in an increase in the assistance from
and increase in the number of banks as well as in the awareness and consequent improvement in the
ulted in an increase in the amount of loans reported in subsequent years. Total for loans issued for the
s outstanding for the years 2008–09 to 2010–11 are not provided. In indirect credit, funds would reach
institution/agencies. In such a case, the fund availing agencies would be responsible for its repayment

Publications website (http://www.rbi.org.in/scripts/AnnualPublications.aspx?head=Handbook of

 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 Small farmers Medium and large farmers

Total
(Up to 2.5 acres) (Above 2.5 acres to 5 acres) (Above 5 acres)
Year (End-June)
No. of accounts Amount No. of accounts Amount No. of accounts Amount No. of accounts Amount
('000) (Rs billion) ('000) (Rs billion) ('000) (Rs billion) ('000) (Rs billion)

1980–81 1,587 2.5 693 1.7 790 5.9 3,070 10.1

1981–82 682 1.3 332 1.0 335 2.5 1,349 4.8
1982–83 1,304 2.9 652 2.1 616 4.8 2,571 9.8
1983–84 1,831 4.0 1,072 3.7 835 7.4 3,738 15.2
1984–85 1,829 5.1 1,241 4.8 903 9.5 3,972 19.4
1985–86 1,950 6.2 1,232 5.9 988 10.4 4,170 22.4
1986–87 2,045 7.6 1,386 7.1 1,044 12.8 4,475 27.4
1987–88 2,236 8.2 1,442 7.6 1,038 13.6 4,716 29.4
1988–89 2,191 8.8 1,453 8.4 990 14.7 4,634 31.9
1989–90 2,057 10.3 1,337 8.9 947 16.1 4,341 35.3
1990–91 1,960 11.8 1,219 9.5 899 17.8 4,078 39.1
1991–92 1,862 11.7 1,289 10.1 949 18.9 4,100 40.7
1992–93 1,871 11.7 1,336 10.3 1,000 20.0 4,206 42.1
1993–94 1,886 13.1 1,341 11.8 1,192 20.7 4,419 45.6
1994–95 2,032 16.9 1,518 14.7 1,261 29.7 4,812 61.4
1995–96 2,024 20.0 1,689 19.5 1,703 37.0 5,416 76.6
1996–97 2,076 21.8 1,676 22.9 1,745 45.1 5,496 89.8
1997–98 2,104 22.9 1,811 24.1 1,420 48.3 5,336 95.3
1998–99 2,308 27.9 1,878 31.8 1,659 58.6 5,845 118.3
1999–00 2,342 33.4 1,871 34.7 1,581 72.1 5,794 140.1
2000–01 2,382 37.4 1,860 36.4 1,599 71.3 5,841 145.2
2001–02 2,679 43.5 1,933 43.7 2,359 75.8 6,970 163.0
2002–03 2,494 48.3 1,934 55.8 1,983 114.4 6,411 218.6
2003–04 3,711 79.5 2,695 73.4 2,259 165.9 8,665 318.9
2004–05 4,478 108.3 3,172 105.5 2,535 197.4 10,185 411.2
2005–06 5,004 168.2 3,670 176.2 3,670 326.8 12,344 671.2
2006–07 5,963 232.5 4,008 215.9 4,379 493.4 14,350 941.7
2007–08 6,605 253.5 4,463 232.2 4,932 481.4 16,000 967.1
2008–09 8,544 342.7 6,641 332.8 6,811 727.5 21,996 1,403.0
2009–10 8,127 426.3 7,175 443.3 6,385 730.6 21,687 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 Small farmers Medium and large farmers

Total
(Up to 2.5 acres) (Above 2.5 acres to 5 acres) (Above 5 acres)
Year (End-June)
No. of accounts Amount No. of accounts Amount No. of accounts Amount No. of accounts Amount
('000) (Rs billion) ('000) (Rs billion) ('000) (Rs billion) ('000) (Rs billion)

1980–81 3,017 4.8 1,645 4.0 1,931 14.5 6,593 23.3

1981–82 3,202 6.1 1,821 5.1 2,119 17.2 7,142 28.4
1982–83 3,573 7.6 2,147 6.7 2,504 19.6 8,224 33.9
1983–84 4,029 9.5 2,564 9.1 2,414 24.4 9,007 43.0
1984–85 4,397 11.6 3,001 11.6 2,649 29.4 10,046 52.6
1985–86 5,104 15.3 3,557 14.8 3,135 36.8 11,796 66.9
1986–87 5,227 16.8 3,707 16.8 3,116 40.2 12,050 73.9
1987–88 5,871 20.1 4,190 20.4 3,542 50.3 13,603 90.9
1988–89 6,073 23.2 4,354 23.1 3,593 54.6 14,020 101.0
1989–90 6,082 27.3 4,351 26.7 3,706 64.9 14,140 118.9
1990–91 6,137 28.9 4,346 28.7 3,563 66.2 14,045 123.9
1991–92 6,063 32.4 4,439 30.5 3,669 70.6 14,170 133.5
1992–93 6,057 34.4 4,460 33.3 3,878 74.4 14,395 142.1
1993–94 6,007 36.0 4,282 34.1 3,637 79.0 13,926 149.1
1994–95 5,463 38.9 4,047 36.6 3,492 83.6 13,002 159.1
1995–96 5,557 43.3 4,255 43.0 3,461 92.7 13,273 178.8
1996–97 5,296 48.9 4,219 50.3 3,575 104.7 13,090 204.0
1997–98 4,890 50.6 4,034 54.4 3,354 117.5 12,278 222.5
1998–99 4,408 55.1 3,711 56.8 3,389 126.5 11,507 238.4
1999–00 4,544 61.8 3,777 64.5 3,379 147.2 11,700 273.5
2000–01 4,600 72.1 3,689 73.1 3,555 169.6 11,844 314.9
2001–02 4,902 87.6 3,961 96.9 3,394 190.8 12,257 375.3
2002–03 4,749 98.1 4,092 113.2 3,835 238.3 12,676 449.6
2003–04 6,086 148.0 4,806 139.7 4,377 287.9 15,268 575.6
2004–05 7,299 205.0 5,874 207.6 5,274 372.2 18,447 784.8
2005–06 8,239 297.2 6,677 292.6 6,321 527.7 21,237 1,117.4
2006–07 9,954 373.4 7,548 378.2 6,985 648.1 24,487 1,399.6
2007–08 11,345 464.6 9,512 466.3 8,739 809.6 29,596 1,740.4
2008–09 11,708 602.0 9,570 597.9 10,884 993.5 32,162 2,193.4
2009–10 17,321 779.5 14,220 729.2 17,657 1,195.0 49,198 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
March 2011 March 2012 2010–11
Agriculture and allied activities 4,603 5,226 10.6
Industry 16,208 19,659 23.6
Infrastructure 5,266 6,191 38.6
Micro and small industries 2,291 2,592 11.0
Services 9,008 10,330 23.9
Trade 1,863 2,209 13.2
Commercial real estate 1,118 1,205 21.4
Tourism, hotels & restaurants 277 313 42.9
Computer software 151 154 20.3
Non-banking financial companies 1,756 2,218 54.8
Personal loans 6,854 7,683 17.0
Credit card outstanding 181 204 -10.2
Education 437 502 18.6
Housing (including priority sector
housing) 3,461 3,880 15.0
Advances against fixed deposits
(including FCNR [B], NRNR Deposits, 605 685 24.4
etc.)
Total non-food gross bank credit 36,674 42,897 20.6
Total gross bank credit 37,315 43,714 20.8

Notes: Percentage variation could be slightly different as absolute numbers have been rounded off to Rs billion. Components ma
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 2011–12, Reserve Bank of India, 2012, website
(http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).
ctoral Deployment of Gross Bank Credit (Rs Billion)

Percentage variation

2011–12
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
12.1

13.2

17.0
17.1

fferent as absolute numbers have been rounded off to Rs billion. Components may
llion. FCNR (B): Foreign Currency Non-Resident (Bank); NRNR: Non-Resident Non-

g in India 2011–12, Reserve Bank of India, 2012, website

/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 As of end-March
S. No. Purpose
2011 2012 (P)

1 Agriculture (i to iii) 551 641

Share of agriculture in total credit (%) 56 53
i. Short-term credit (crop loans) 407 474
ii. Term credit (for agriculture and allied activities) 144 167
iii. Indirect advances - -
2 Non-agriculture (i to iv) 439 564
Share of non-agriculture in total credit (%) 44 47
i. Rural artisans 9 11
ii. Other industries 26 36
iii. Retail trade 51 66
iv. Other purposes 353 452
Total (1+2) 989 1,206
Memo item
a. Priority sector 826 974
b. Non-priority sector 163 231

c. Percentage share of priority sector in total credit 84 81

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 2011–12, 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

Loans and advances

Working outstanding (Rs million)
Deposits (Rs
States No. of PACSs capital
million)
(Rs million) Agriculture

Andhra Pradesh 2,792 12,086 348,396 40,565

Arunachal Pradesh 34 - 194 -
Assam 766 - 1,112 56
Bihar 8,463 1,753 5,082 -
Chhattisgarh 1,213 2,619 10,565 5,603
Goa 81 337 585 63
Gujarat 8,117 11,795 84,094 38,616
Haryana 646 5,012 78,214 48,656
Himachal Pradesh 2,110 4,482 19,024 4,071
Jammu & Kashmir 765 12 787 223
Jharkhand 498 774 4,878 2,866
Karnataka 4,811 32,372 101,725 45,131
Kerala 1,573 211,398 263,802 46,748
Madhya Pradesh 4,526 7,043 54,899 27,554
Maharashtra 21,343 1,097 139,060 76,929
Manipur 204 7 43 47
Meghalaya 179 25 252 123
Mizoram 133 1 32 13
Nagaland 1,719 642 1,125 20
Odisha 2,452 7,982 39,730 21,476
Punjab 3,990 9,081 59,011 1,281
Rajasthan 5,264 6,377 51,081 30,116
Sikkim 169 - 70 4
Tamil Nadu 4,488 38,334 115,216 33,335
Tripura 268 43 1,006 161
Uttar Pradesh 8,929 682 12,593 8,003
Uttarakhand 758 3,531 8,629 3,553
West Bengal 7,007 14,187 39,719 11,030
All-India 93,413 372,382 1,442,219 446,390

Notes: PACSs are short-term rural co-operatives operating at village level and managed/controlled by State Co-operative Ban
All-India includes figures for UTs.
Source: Report on Trend and Progress of Banking in India 2011–12, Reserve Bank of India, 2012, website
(http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).
dicators of Primary Agricultural Credit Societies (PACSs)
as of March 2011

Loans and advances

outstanding (Rs million)
Non-
Agriculture
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

operating at village level and managed/controlled by State Co-operative Banks;

in India 2011–12, Reserve Bank of India, 2012, website

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 Regional rural banks Commercial banks Total

States Amount Amount Amount Amount

Cards issued Cards issued Cards issued Cards issued
sanctioned sanctioned sanctioned sanctioned
('000) ('000) ('000) ('000)
(Rs billion) (Rs billion) (Rs billion) (Rs billion)
Andhra Pradesh 27 1.7 143 5.2 1,244 82.0 1,414 88.9
Arunachal Pradesh - - - - 7 0.2 7 0.2
Assam 7 0.1 84 2.3 160 5.4 251 7.8
Bihar 35 0.8 204 12.9 345 23.4 584 37.1
Chhattisgarh 195 7.7 74 2.0 34 2.8 303 12.5
Goa 1 0.02 - - 1 0.2 2 0.2
Gujarat 126 3.3 37 2.0 200 29.0 363 34.3
Haryana 26 1.8 47 6.2 118 25.7 191 33.7
Himachal Pradesh 13 1.9 16 1.7 34 3.6 63 7.2
Jammu & Kashmir 1 0.04 8 0.5 5 0.4 14 0.9
Jharkhand 10 0.1 69 1.1 143 5.1 222 6.3
Karnataka 109 4.2 93 6.0 427 49.6 629 59.8
Kerala 129 7.0 51 4.1 162 24.3 342 35.4
Madhya Pradesh 473 39.6 79 8.1 289 36.7 841 84.4
Maharashtra 206 6.9 46 2.1 694 63.8 946 72.8
Manipur - - - - 3 0.1 3 0.1
Meghalaya 3 0.03 2 0.04 20 0.7 25 0.7
Mizoram - 0.01 1 0.02 5 0.3 6 0.3
Nagaland - - - - 11 0.4 11 0.4
Odisha 674 8.0 84 1.5 250 8.4 1,008 17.9
Punjab 24 2.3 25 5.4 165 59.5 214 67.2
Rajasthan 125 3.8 92 12.3 416 61.6 633 77.7
Sikkim - - - - 2 0.1 2 0.1
Tamil Nadu 154 4.3 65 2.4 662 86.2 881 92.9
Tripura 21 0.2 43 0.5 28 0.7 92 1.4
Uttar Pradesh 476 9.4 521 32.2 946 98.9 1,943 140.4
Uttarakhand 48 1.1 8 0.5 80 9.0 136 10.6
West Bengal 77 2.1 203 6.1 331 14.0 611 22.2
All-India 2,961 106.4 1,995 115.2 6,804 695.1 11,760 916.8

Note: All-India includes figures for UTs.

Source: Report on Trend and Progress of Banking in India 2011–12, 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)
(2005–06 to 2010–11)

S. No. Sector/Sub-sector 2005–06 2006–07 2007–08 2008–09 2009–10 2010–11

Crop loan (short-term
1 production credit) 105,350 138,455 181,393 210,461 276,656 335,550
Term loan (medium & long-
2 term investment credit) 75,136 90,945 73,265 91,447 107,858 132,741
i. Minor irrigation 8,663 8,566 2,840 3,180 5,197 4,363
ii. Land development 1,749 2,285 2,553 2,887 3,669 3,615
iii. Farm mechanisation 9,695 10,113 8,303 8,334 10,211 12,800
iv. Plantation & horticulture 4,481 5,266 5,910 6,045 6,407 6,610
v. Animal husbandry 7,341 8,045 9,034 10,398 10,260 12,773
vi. Fisheries 1,019 1,424 1,248 1,281 1,854 1,931
vii. Hi-tech agriculture 9,737 21,498 33,325 41,694 50,797 82,774
viii. Others$ 32,451 33,748 10,052 17,628 19,463 7,875
Total (1+2) 180,486 229,400 254,658 301,908 384,514 468,291

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, 2010–11, 2011–12, 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) (2006–07 to 2011–12)

Agency 2006–07 2007–08 2008–09 2009–10 2010–11 2011–12 (P)

Co-operative banks 42,480 48,258 45,966 63,497 78,007 86,185
Regional rural banks 20,435 25,312 26,765 35,217 44,293 54,239
Commercial banks 166,485 181,088 228,951 285,800 345,877 368,616
Total 229,400 254,658 301,908* 384,514 468,291** 509,040

Note: P: Provisional; * includes Rs 226 crore by other agencies; ** includes Rs 114 crore by other agencies.

Sources: NABARD Annual Report, 2010–11, 2011–12, 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 All branches Rural All branches
Andhra Pradesh 2,434 5,152 2,393 6,536
Arunachal Pradesh 56 68 50 76
Assam 816 1,229 786 1,377
Bihar 2,503 3,546 2,350 3,825
Chhattisgarh 715 1,043 654 1,217
Goa 158 326 161 407
Gujarat 1,550 3,666 1,487 4,339
Haryana 700 1,519 690 2,149
Himachal Pradesh 657 779 729 950
Jammu & Kashmir 576 816 547 973
Jharkhand 983 1,445 973 1,705
Karnataka 2,199 4,737 2,166 5,768
Kerala 346 3,297 331 4,053
Madhya Pradesh 1,940 3,445 1,756 3,958
Maharashtra 2,306 6,281 2,148 7,555
Manipur 43 78 35 80
Meghalaya 130 179 125 201
Mizoram 61 78 55 93
Nagaland 37 70 36 86
Odisha 1,613 2,223 1,653 2,689
Punjab 1,115 2,534 1,123 3,255
Rajasthan 1,886 3,310 1,756 3,900
Sikkim 36 47 46 71
Tamil Nadu 1,809 4,740 1,708 5,890
Tripura 120 179 110 213
Uttar Pradesh 4,874 8,121 4,807 9,658
Uttarakhand 526 837 571 1,083
West Bengal 2,277 4,415 2,311 5,023
All-India 32,588 65,906 31,695 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)

Proportion of Rural
States Households Availing Banking
Services (%)

Andhra Pradesh 50.4

Arunachal Pradesh 43.1
Assam 38.3
Bihar 42.3
Chhattisgarh 46.1
Goa 84.9
Gujarat 51.3
Haryana 65.9
Himachal Pradesh 89.1
Jammu & Kashmir 65.4
Jharkhand 47.4
Karnataka 58.9
Kerala 73.9
Madhya Pradesh 40.7
Maharashtra 62.9
Manipur 23.5
Meghalaya 28.2
Mizoram 35.9
Nagaland 23.1
Odisha 41.0
Punjab 62.8
Rajasthan 68.2
Sikkim 63.5
Tamil Nadu 45.2
Tripura 78.2
Uttar Pradesh 73.6
Uttarakhand 80.3
West Bengal 39.8
All-India 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 (2009–10, 2010–11 and 2011–12)

2009–10 2010–11
Particulars No. of No. of
SHGs Amount SHGs Amount
(lakh) (Rs crore) (lakh) (Rs crore)
Total SHGs 70 6,199 75 7,016
SHG savings with Of which SGSY groups 17 1,293 20 1,817
banks as on % of SGSY groups to total 24 21 27 26
31 March All women SHGs 53 4,499 61 5,299
% of Women groups 76 73 82 76
Total SHGs 16 14,453 12 14,548
Of which SGSY groups 3 2,198 2 2,480
Loans disbursed to
% of SGSY groups to total 17 15 20 17
SHGs during the year
All women SHGs 13 12,429 10 12,622
% of women groups 82 86 85 87
Total SHGs 49 28,038 48 31,221
Loans outstanding Of which SGSY groups 12 6,251 13 7,829
against SHGs as % of SGSY groups to total 26 22 27 25
on 31 March All women SHGs 39 23,030 40 26,124
% of women groups 80 82 83 84
Notes: SHG: Self-help group; SGSY: Swarnajayanti Gram Swarozgar Yojana.

Source: Status of Microfinance in India, NABARD, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September
2013).
–11 and 2011–12)

2011–12
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

I2012.pdf, accessed on 6 September

 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 Regional rural banks Co-operative banks Total

States
Savings amount Savings amount Savings amount Savings amount
No. of SHGs No. of SHGs No. of SHGs No. of SHGs
(Rs lakh) (Rs lakh) (Rs lakh) (Rs lakh)

Andhra Pradesh 1,062,591 114,991 405,904 31,828 27,409 2,196 1,495,904 149,016
Arunachal Pradesh 6,983 103 959 54 421 29 8,363 186
Assam 102,764 5,992 149,291 3,039 24,510 815 276,565 9,846
Bihar 150,445 9,742 154,668 4,300 0 0 305,113 14,042
Chhattisgarh 47,850 2,650 58,756 3,597 23,248 1,148 129,854 7,394
Goa 5,400 492 0 0 3,014 377 8,414 869
Gujarat 136,741 9,768 58,713 2,983 31,172 1,212 226,626 13,963
Haryana 22,655 1,618 18,114 1,848 3,415 212 44,184 3,678
Himachal Pradesh 29,621 1,362 7,101 868 28,919 1,058 65,641 3,289
Jammu & Kashmir 4,324 341 774 22 1,251 70 6,349 433
Jharkhand 58,869 5,133 30,734 1,588 0 0 89,603 6,722
Karnataka 260,010 39,996 176,156 23,426 192,477 36,791 628,643 100,213
Kerala 494,562 31,603 42,879 1,264 78,273 8,504 615,714 41,371
Madhya Pradesh 85,730 8,444 64,452 2,337 13,406 448 163,588 11,229
Maharashtra 430,614 45,357 94,519 3,882 301,914 23,123 827,047 72,362
Manipur 5,955 103 5,784 106 972 10 12,711 219
Meghalaya 9,057 231 2,507 143 2,527 40 14,091 415
Mizoram 2,104 44 2,202 507 670 22 4,976 573
Nagaland 6,353 133 679 51 3,679 191 10,711 374
Odisha 235,829 12,366 226,745 17,948 77,455 5,822 540,029 36,136
Punjab 27,600 3,968 4,257 287 5,486 408 37,343 4,663
Rajasthan 108,277 4,168 67,927 4,268 75,450 4,351 251,654 12,787
Sikkim 4,626 178 0 0 654 82 5,280 260
Tamil Nadu 718,907 61,425 52,708 4,315 153,777 13,300 925,392 79,040
Tripura 11,636 253 16,696 2,736 5,689 389 34,021 3,378
Uttar Pradesh 196,140 26,180 265,849 10,410 9,195 232 471,184 36,821
Uttarakhand 24,377 4,161 16,019 1,398 7,745 355 48,141 5,913
West Bengal 350,641 23,145 199,733 6,506 135,074 8,043 685,448 37,694
All-India 4,618,086 415,298 2,127,368 130,014 1,214,895 109,829 7,960,349 655,141

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

Source: Status of Microfinance in India, NABARD, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).
 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)

Loans outstanding against SHGs Amount of NPAs Percentage of NPAs to lo

as on as on outstanding as on
Agency
31 March 31 March 31 March 31 March 31 March 31 March 31 March
2010 2011 2012 2010 2011 2012 2010
Commercial banks (public sector) 19,724 21,413 24,407 514 1,020 1,581 2.6
Commercial banks (private sector) 440 471 1,404 24 47 74 5.4
Regional rural banks 6,145 7,430 8,614 219 273 426 3.6
Co-operative banks 1,729 1,908 1,916 67 134 131 3.9
Total 28,038 31,221 36,340 823 1,474 2,213 2.9
Notes: NPA: Non-performing asset; SHG: Self-help group.
Source: Status of Microfinance in India, NABARD, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).
re) (2010, 2011 and 2012)

Percentage of NPAs to loans

outstanding as on
31 March 31 March
2011 2012
4.8 6.5
10.1 5.3
3.7 5.0
7.0 6.8
4.7 6.1
 Table 6.17: State-wise Financing of Joint Liability Groups (JLGs) (Rs Lakh) (2011–12)

No. of JLGs Loans disbursed No. of JLGs Cumulative no. of

Loans disbursed
States promoted as on as on 31 March promoted during JLGs promoted as
during 2011–12
31 March 2011 2011 2011–12 on 31 March 2012
Andhra Pradesh 0 0 35,773 52,219 35,773
Arunachal Pradesh 4 2 0 0 4
Assam 7,113 2,984 9,140 2,625 16,253
Bihar 1,614 1,028 19,325 11,143 20,939
Chhattisgarh 475 176 1,385 1,221 1,860
Goa 0 0 259 303 259
Gujarat 260 3 2,209 2,010 2,469
Haryana 1,395 3,382 1,303 1,552 2,698
Himachal Pradesh 185 136 640 1,270 825
Jammu & Kashmir 0 0 0 0 0
Jharkhand 0 0 175 61 175
Karnataka 4,145 3,664 31,786 25,838 35,931
Kerala 2,141 3,608 5,024 6,753 7,165
Madhya Pradesh 3,683 1,357 3,603 961 7,286
Maharashtra 726 490 2,679 2,971 3,405
Manipur 0 0 0 0 0
Meghalaya 31 19 33 45 64
Mizoram 4 26 73 22 77
Nagaland 0 0 0 0 0
Odisha 32,146 12,372 21,116 10,790 53,262
Punjab 23 NA 856 698 879
Rajasthan 0 0 3,185 3,907 3,185
Sikkim 52 64 13 58 65
Tamil Nadu* 52,734 70,262 16,516 34,250 69,250
Tripura 11 5 0 0 11
Uttar Pradesh 13,207 1,647 7,106 8,811 20,313
Uttarakhand 236 57 1,541 2,366 1,777
West Bengal 20,860 13,248 27,864 91 48,724
All-India 141,045 114,529 191,662 170,039 332,707

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, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).
12)

Cumulative loans
disbursed as on
31 March 2012
52,219
2
5,610
12,171
1,396
303
2,013
4,934
1,406
0
61
29,502
10,361
2,318
3,461
0
64
48
0
23,162
698
3,907
122
104,512
5
10,458
2,423
13,339
284,569

udes figures for UTs.

ptember 2013).
 Table 6.18: All-India Progress under MFI-Bank Linkage Programme (2008–09, 2009–10, 2010–11 and 2011–12)

2008–09 2009–10 2010–11

Particulars
No. of MFIs Amount No. of MFIs Amount No. of MFIs Amount
Loans disbursed by banks to MFIs (Rs
Crore) 581 3,732 779 10,729 471 8,449
Loans outstanding against MFIs as on 31
March (Rs crore) 1,915 5,009 1,659 13,956 2,315 13,731
Fresh loans as % of loan outstanding - 75 - 77 - 62

Note: MFI: Microfinance institution.

Source: Status of Microfinance in India, NABARD, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed on 6 September 2013).
010–11 and 2011–12)

2011–12
No. of MFIs Amount

465 5,205

1,960 11,450
- 46

6 September 2013).
Table 6.19: All-India Loans to MFIs by Banks/Financial Institutions (2008–09, 2009–10, 2010–11 and 2011

Financing agency Loans disbursed to MFIs

during the year
Year No. of MFIs Amount
2008–09 522 3,719
2009–10 645 8,039
All commercial banks
2010–11 460 7,601
2011–12 336 4,951
2008–09 59 13
2009–10 46 24
Regional rural banks
2010–11 9 4
2011–12 113 13
2008–09 NA NA
2009–10 0 0
Co-operative banks
2010–11 NA NA
2011–12 4 2
2008–09 NA NA
2009–10 88 2,666
SIDBI
2010–11 2 844
2011–12 12 239
2008–09 581 3,732
2009–10 779 10,729
Total by all agencies
2010–11 471 8,449
2011–12 465 5,205
Notes: SIDBI: Small Industries Development Bank of India; NA: not available.

Source: Status of Microfinance in India, NABARD, 2011–12 website (https://www.nabard.org/Publication/SMFI2012.pdf, accessed

6 September 2013).
 09, 2009–10, 2010–11 and 2011–12)

Loans outstanding
against MFIs as on 31
March
No. of MFIs Amount
1,762 4,978
1,407 10,095
2,153 10,647
1,684 9,811
153 31
103 52
23 42
128 38
NA NA
3 0.01
NA NA
19 5
NA NA
146 3,808
139 3,042
129 1,597
1,915 5,009
1,659 13,956
2,315 13,731
1,960 11,450

org/Publication/SMFI2012.pdf, accessed on