6. financial inclusion

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FINANCIAL INCLUSION DATA

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Page 1: 6. Financial Inclusion

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

Page 2: 6. Financial Inclusion

6.19

Page 3: 6. Financial Inclusion

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)

Page 4: 6. Financial Inclusion

All-India Loans to MFIs by Banks/Financial Institutions (2008–09, 2009–10, 2010–11 and 2011–12)

Page 5: 6. Financial Inclusion

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

Table 6.1: Distribution of Outstanding Loan of Cultivator Households by Source (Rural) (Per Cent) (1971, 1981, 1991 and 2002)

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.

Page 6: 6. Financial Inclusion

Year

Loans issued Loans outstanding

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 1.71980–81 20.3 1.4 12.6 - 34.4 43.2 30.4 1.81981–82 24.8 1.5 15.0 1.7 43.0 48.2 35.4 2.71982–83 27.2 1.9 12.2 2.2 43.5 51.6 41.4 3.81983–84 29.4 1.9 18.6 2.6 52.4 57.3 52.8 5.11984–85 31.5 2.4 24.6 3.1 61.7 63.7 66.1 7.01985–86 36.7 3.5 27.3 4.0 71.6 69.5 84.2 8.71986–87 37.0 2.1 33.3 4.8 77.2 74.7 93.5 10.61987–88 47.1 4.8 35.3 4.8 92.0 83.5 114.2 13.11988–89 48.7 2.7 38.1 4.2 93.8 94.1 128.4 15.51989–90 54.1 2.9 42.8 6.5 106.3 105.7 152.8 18.41990–91 48.2 3.6 46.8 3.3 101.9 105.3 170.3 17.51991–92 58.0 3.4 48.1 6.0 115.4 121.8 169.8 19.81992–93 64.8 3.9 49.6 7.0 125.3 137.7 182.9 22.11993–94 84.8 3.8 54.0 7.5 150.1 153.2 191.1 25.61994–95 98.8 4.1 74.1 10.8 187.7 168.1 209.2 30.11995–96 124.8 5.5 92.7 13.8 236.9 191.3 234.3 34.71996–97 132.5 6.7 106.7 17.5 263.5 205.6 263.3 40.41997–98 141.6 8.6 115.4 21.0 286.6 213.9 284.5 46.81998–99 151.0 4.2 146.6 25.2 327.0 222.0 298.2 53.91999–00 256.8 5.2 163.5 29.9 455.3 419.5 334.4 59.92000–01 273.0 4.9 164.4 39.7 481.9 461.4 382.7 72.52001–02 305.7 4.4 186.4 45.5 542.0 521.1 451.1 82.92002–03 340.4 - 252.6 58.8 651.7 590.6 538.0 102.62003–04 400.5 - 362.0 71.8 834.3 714.0 681.0 117.22004–05 450.1 - 483.7 119.3 1,053.0 788.2 955.2 167.12005–06 481.2 - 806.0 153.0 1,440.2 823.3 1,356.0 215.12006–07 540.2 - 1,152.7 202.3 1,895.1 894.4 1,690.2 274.52007–08 576.4 - 1,134.7 238.4 1,949.5 656.7 2,028.0 332.22008–09 587.9 - 1,606.9 265.0 2,459.8 640.5 2,561.2 373.72009–10 749.4 - 1,882.5 346.4 - 764.8 3,154.4 462.82010–11 - - - 439.7 - - - 550.7

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)

Co-operatives

State governments

SCBs

RRBs

Total

Co-operatives

SCBs

RRBs

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).

Page 7: 6. Financial Inclusion

Loans outstanding

-18.721.824.127.231.538.344.152.163.875.486.496.8

115.2136.8162.3178.8210.8238.0276.9293.2311.4342.6369.9407.4460.2509.2545.2574.1813.8916.5

1,055.01,231.31,512.31,910.52,394.42,859.13,016.83,575.3

--

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)

Total

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

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).

Page 8: 6. Financial Inclusion

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

Year

Loans issued Loans outstanding

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 0.11980–81 11.5 - - 1.8 - 6.4 10.0 0.21981–82 15.0 - 0.1 1.9 - 8.4 11.6 0.21982–83 19.6 - 0.1 2.5 - 13.4 13.1 0.21983–84 24.0 - 0.1 3.0 - 17.0 13.9 0.31984–85 29.9 - 0.1 3.3 - 22.0 14.6 0.31985–86 37.4 - - 3.5 - 28.9 13.7 0.31986–87 18.6 - - 4.4 - 21.3 14.2 0.31987–88 24.5 2.7 0.1 6.5 33.8 23.1 15.1 0.41988–89 19.4 1.9 0.1 8.0 29.5 23.8 15.4 0.41989–90 16.9 2.1 0.1 7.1 26.2 22.3 14.3 0.51990–91 17.3 2.0 0.1 7.1 26.5 23.6 11.9 0.21991–92 20.0 2.0 0.1 5.9 27.9 24.9 14.3 0.41992–93 20.7 1.6 0.05 4.7 27.1 25.9 15.5 0.41993–94 100.8 3.3 0.004 6.9 111.0 134.1 21.0 0.31994–95 123.4 5.8 0.001 9.7 138.9 165.2 28.7 0.31995–96 173.7 10.4 0.01 8.3 192.4 174.1 36.7 0.31996–97 189.3 12.7 0.01 7.9 209.9 197.0 49.9 0.51997–98 199.7 19.0 0.1 10.9 229.8 208.2 63.3 0.11998–99 208.2 20.0 0.1 22.0 250.3 220.2 81.2 0.31999–00 821.9 34.3 0.1 30.5 886.8 673.6 129.7 0.32000–01 913.4 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 -

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 -

Co-operatives

SCBs

RRBs

REC

Total

Co-operatives

SCBs

RRBs

1971–72

2004–05

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 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 years 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 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 1993–94 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 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 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).

Page 9: 6. Financial Inclusion

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

Loans outstanding

0.6 3.71.1 4.41.6 5.72.4 8.23.2 8.54.0 10.15.0 13.96.4 17.57.8 18.79.3 25.8

10.9 31.112.9 39.614.9 46.116.7 53.619.2 62.122.9 58.828.3 66.934.6 74.239.6 76.745.2 80.948.7 88.351.7 93.956.5 212.061.9 256.166.3 277.471.5 318.978.0 349.688.4 390.1

121.9 925.5141.9 1,125.8159.4 1,232.7165.1 1,331.2183.0 1,491.3210.6 1,672.7245.6 2,016.7312.6 2,502.2386.2 2,800.4506.5 -659.8 -817.3 -

REC

Total

SCBs: Scheduled Commercial Banks; RRBs: Regional Rural Banks; REC: Rural Electrification Corporation Limited; Outstanding loan is (principal+unrecovered 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 years 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 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 1993–94 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

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 reach agriculture indirectly through some intermediary organisation/institution/agencies. In such a case, the fund availing agencies would be responsible for its repayment

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

Page 10: 6. Financial Inclusion

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

Year (End-June)

Total

1,587 2.5 693 1.7 790 5.9 3,070 10.11981–82 682 1.3 332 1.0 335 2.5 1,349 4.81982–83 1,304 2.9 652 2.1 616 4.8 2,571 9.81983–84 1,831 4.0 1,072 3.7 835 7.4 3,738 15.21984–85 1,829 5.1 1,241 4.8 903 9.5 3,972 19.41985–86 1,950 6.2 1,232 5.9 988 10.4 4,170 22.41986–87 2,045 7.6 1,386 7.1 1,044 12.8 4,475 27.41987–88 2,236 8.2 1,442 7.6 1,038 13.6 4,716 29.41988–89 2,191 8.8 1,453 8.4 990 14.7 4,634 31.91989–90 2,057 10.3 1,337 8.9 947 16.1 4,341 35.31990–91 1,960 11.8 1,219 9.5 899 17.8 4,078 39.11991–92 1,862 11.7 1,289 10.1 949 18.9 4,100 40.71992–93 1,871 11.7 1,336 10.3 1,000 20.0 4,206 42.11993–94 1,886 13.1 1,341 11.8 1,192 20.7 4,419 45.61994–95 2,032 16.9 1,518 14.7 1,261 29.7 4,812 61.41995–96 2,024 20.0 1,689 19.5 1,703 37.0 5,416 76.61996–97 2,076 21.8 1,676 22.9 1,745 45.1 5,496 89.81997–98 2,104 22.9 1,811 24.1 1,420 48.3 5,336 95.31998–99 2,308 27.9 1,878 31.8 1,659 58.6 5,845 118.31999–00 2,342 33.4 1,871 34.7 1,581 72.1 5,794 140.12000–01 2,382 37.4 1,860 36.4 1,599 71.3 5,841 145.22001–02 2,679 43.5 1,933 43.7 2,359 75.8 6,970 163.02002–03 2,494 48.3 1,934 55.8 1,983 114.4 6,411 218.62003–04 3,711 79.5 2,695 73.4 2,259 165.9 8,665 318.92004–05 4,478 108.3 3,172 105.5 2,535 197.4 10,185 411.22005–06 5,004 168.2 3,670 176.2 3,670 326.8 12,344 671.22006–07 5,963 232.5 4,008 215.9 4,379 493.4 14,350 941.72007–08 6,605 253.5 4,463 232.2 4,932 481.4 16,000 967.12008–09 8,544 342.7 6,641 332.8 6,811 727.5 21,996 1,403.02009–10 8,127 426.3 7,175 443.3 6,385 730.6 21,687 1,600.2

Marginal farmers (Up to 2.5 acres)

Small farmers (Above 2.5 acres to 5 acres)

Medium and large farmers (Above 5 acres)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

1980–81

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).

Page 11: 6. Financial Inclusion

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

Year (End-June)

Total

3,017 4.8 1,645 4.0 1,931 14.5 6,593 23.31981–82 3,202 6.1 1,821 5.1 2,119 17.2 7,142 28.41982–83 3,573 7.6 2,147 6.7 2,504 19.6 8,224 33.91983–84 4,029 9.5 2,564 9.1 2,414 24.4 9,007 43.01984–85 4,397 11.6 3,001 11.6 2,649 29.4 10,046 52.61985–86 5,104 15.3 3,557 14.8 3,135 36.8 11,796 66.91986–87 5,227 16.8 3,707 16.8 3,116 40.2 12,050 73.91987–88 5,871 20.1 4,190 20.4 3,542 50.3 13,603 90.91988–89 6,073 23.2 4,354 23.1 3,593 54.6 14,020 101.01989–90 6,082 27.3 4,351 26.7 3,706 64.9 14,140 118.91990–91 6,137 28.9 4,346 28.7 3,563 66.2 14,045 123.91991–92 6,063 32.4 4,439 30.5 3,669 70.6 14,170 133.51992–93 6,057 34.4 4,460 33.3 3,878 74.4 14,395 142.11993–94 6,007 36.0 4,282 34.1 3,637 79.0 13,926 149.11994–95 5,463 38.9 4,047 36.6 3,492 83.6 13,002 159.11995–96 5,557 43.3 4,255 43.0 3,461 92.7 13,273 178.81996–97 5,296 48.9 4,219 50.3 3,575 104.7 13,090 204.01997–98 4,890 50.6 4,034 54.4 3,354 117.5 12,278 222.51998–99 4,408 55.1 3,711 56.8 3,389 126.5 11,507 238.41999–00 4,544 61.8 3,777 64.5 3,379 147.2 11,700 273.52000–01 4,600 72.1 3,689 73.1 3,555 169.6 11,844 314.92001–02 4,902 87.6 3,961 96.9 3,394 190.8 12,257 375.32002–03 4,749 98.1 4,092 113.2 3,835 238.3 12,676 449.62003–04 6,086 148.0 4,806 139.7 4,377 287.9 15,268 575.62004–05 7,299 205.0 5,874 207.6 5,274 372.2 18,447 784.82005–06 8,239 297.2 6,677 292.6 6,321 527.7 21,237 1,117.42006–07 9,954 373.4 7,548 378.2 6,985 648.1 24,487 1,399.62007–08 11,345 464.6 9,512 466.3 8,739 809.6 29,596 1,740.42008–09 11,708 602.0 9,570 597.9 10,884 993.5 32,162 2,193.42009–10 17,321 779.5 14,220 729.2 17,657 1,195.0 49,198 2,703.7

Marginal farmers (Up to 2.5 acres)

Small farmers(Above 2.5 acres to 5 acres)

Medium and large farmers (Above 5 acres)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

No. of accounts('000)

Amount(Rs billion)

1980–81

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).

Page 12: 6. Financial Inclusion

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

SectorsOutstanding as of Percentage variation

March 2011 March 2012

Agriculture and allied activities 4,603 5,226 10.6Industry 16,208 19,659 23.6Infrastructure 5,266 6,191 38.6Micro and small industries 2,291 2,592 11.0Services 9,008 10,330 23.9Trade 1,863 2,209 13.2Commercial real estate 1,118 1,205 21.4Tourism, hotels & restaurants 277 313 42.9Computer software 151 154 20.3Non-banking financial companies 1,756 2,218 54.8Personal loans 6,854 7,683 17.0Credit card outstanding 181 204 -10.2Education 437 502 18.6

3,461 3,880 15.0

605 685 24.4

Total non-food gross bank credit 36,674 42,897 20.6Total gross bank credit 37,315 43,714 20.8

2010–11

Housing (including priority sector housing)

Advances against fixed deposits (including FCNR [B], NRNR Deposits, etc.)

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 2011–12, Reserve Bank of India, 2012, website (http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).

Page 13: 6. Financial Inclusion

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

Percentage variation

2011–12

13.521.317.613.114.718.67.8

12.92.1

26.312.112.914.8

12.1

13.2

17.017.1

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-

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).

Page 14: 6. Financial Inclusion

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

S. No. Purpose

1 Agriculture (i to iii) 551 641Share 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 564Share 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 452Total (1+2) 989 1,206Memo item

a. Priority sector 826 974

b. Non-priority sector 163 231

c. 84 81

As of end-March 2011

As of end-March 2012 (P)

Percentage share of priority sector in total credit

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).

Page 15: 6. Financial Inclusion

States No. of PACSs

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

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

Deposits (Rs million)

Working capital

(Rs million)

Loans and advances outstanding (Rs million)

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 2011–12, Reserve Bank of India, 2012, website (http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0TPB021112FLS.pdf, accessed on 1 May 2013).

Page 16: 6. Financial Inclusion

1,863-3-

376238

1,4044,140

-9-

24,419170,008

1,26718,323

-3

0.136

811-

1,8690.3

32,87621

-1,0871,754

260,814

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

Loans and advances outstanding (Rs million)

Non-Agriculture

PACSs are short-term rural co-operatives operating at village level and managed/controlled by State Co-operative Banks;

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).

Page 17: 6. Financial Inclusion

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

States

Co-operative banks Regional rural banks Commercial banks Total

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

Cards issued('000)

Amount sanctioned(Rs billion)

Cards issued('000)

Amount sanctioned(Rs billion)

Cards issued('000)

Amount sanctioned(Rs billion)

Cards issued('000)

Amount sanctioned(Rs billion)

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).

Page 18: 6. Financial Inclusion

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

1 105,350 138,455 181,393 210,461 276,656 335,550

2 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 7,875Total (1+2) 180,486 229,400 254,658 301,908 384,514 468,291

Table 6.10: All-India Sub-sector-wise Ground Level Credit Flow for Agriculture and Allied Activities (Rs Crore) (2005–06 to 2010–11)

Crop loan (short-term production credit)Term loan (medium & long-term investment credit)

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).

Page 19: 6. Financial Inclusion

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 86,185Regional rural banks 20,435 25,312 26,765 35,217 44,293 54,239Commercial banks 166,485 181,088 228,951 285,800 345,877 368,616Total 229,400 254,658 301,908* 384,514 468,291** 509,040

Table 6.11: All-India Agency-wise Ground Level Credit Flow (Rs Crore) (2006–07 to 2011–12)

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).

Page 20: 6. Financial Inclusion

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

States2002 2009

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 5,023All-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).

Page 21: 6. Financial Inclusion

States

Andhra Pradesh 50.4Arunachal Pradesh 43.1Assam 38.3Bihar 42.3Chhattisgarh 46.1Goa 84.9Gujarat 51.3Haryana 65.9Himachal Pradesh 89.1Jammu & Kashmir 65.4Jharkhand 47.4Karnataka 58.9Kerala 73.9Madhya Pradesh 40.7Maharashtra 62.9Manipur 23.5Meghalaya 28.2Mizoram 35.9Nagaland 23.1Odisha 41.0Punjab 62.8Rajasthan 68.2Sikkim 63.5Tamil Nadu 45.2Tripura 78.2Uttar Pradesh 73.6Uttarakhand 80.3West Bengal 39.8All-India 54.4

Table 6.13: State-wise Proportion of Rural Households Availing Banking Services (Per cent) (2011)

Proportion of Rural Households Availing Banking

Services (%)

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).

Page 22: 6. Financial Inclusion

Particulars

2009–10 2010–11

Total SHGs 70 6,199 75 7,016Of which SGSY groups 17 1,293 20 1,817% of SGSY groups to total 24 21 27 26All women SHGs 53 4,499 61 5,299% of Women groups 76 73 82 76Total SHGs 16 14,453 12 14,548Of which SGSY groups 3 2,198 2 2,480% of SGSY groups to total 17 15 20 17All women SHGs 13 12,429 10 12,622% of women groups 82 86 85 87Total SHGs 49 28,038 48 31,221Of which SGSY groups 12 6,251 13 7,829% of SGSY groups to total 26 22 27 25All women SHGs 39 23,030 40 26,124% of women groups 80 82 83 84

Table 6.14: All-India Progress under SHG-Bank Linkage (2009–10, 2010–11 and 2011–12)

No. of SHGs (lakh)

Amount (Rs crore)

No. of SHGs (lakh)

Amount (Rs crore)

SHG savings withbanks as on31 March

Loans disbursed toSHGs during the year

Loans outstandingagainst SHGs ason 31 March

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).

Page 23: 6. Financial Inclusion

2011–12

80 6,55121 1,39527 2163 5,10479 78

11 16,5352 2,644

18 169 14,132

80 8544 36,34012 8,05528 2236 30,46584 84

Table 6.14: All-India Progress under SHG-Bank Linkage (2009–10, 2010–11 and 2011–12)

No. of SHGs (lakh)

Amount (Rs crore)

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

Page 24: 6. Financial Inclusion

Table 6.15: State-wise and Agency-wise Progress under Microfinance-savings of Self-Help Groups (SHGs) with Banks (as on 31 March 2012)

Regional rural banks Co-operative banks

1,062,591 114,991 405,904 31,828 27,409 2,196 1,495,904 149,016

6,983 103 959 54 421 29 8,363 186

102,764 5,992 149,291 3,039 24,510 815 276,565 9,846

150,445 9,742 154,668 4,300 0 0 305,113 14,042

47,850 2,650 58,756 3,597 23,248 1,148 129,854 7,394

5,400 492 0 0 3,014 377 8,414 869

136,741 9,768 58,713 2,983 31,172 1,212 226,626 13,963

22,655 1,618 18,114 1,848 3,415 212 44,184 3,678

29,621 1,362 7,101 868 28,919 1,058 65,641 3,289

4,324 341 774 22 1,251 70 6,349 433

58,869 5,133 30,734 1,588 0 0 89,603 6,722

260,010 39,996 176,156 23,426 192,477 36,791 628,643 100,213

494,562 31,603 42,879 1,264 78,273 8,504 615,714 41,371

85,730 8,444 64,452 2,337 13,406 448 163,588 11,229

430,614 45,357 94,519 3,882 301,914 23,123 827,047 72,362

5,955 103 5,784 106 972 10 12,711 219

9,057 231 2,507 143 2,527 40 14,091 415

2,104 44 2,202 507 670 22 4,976 573

6,353 133 679 51 3,679 191 10,711 374

235,829 12,366 226,745 17,948 77,455 5,822 540,029 36,136

27,600 3,968 4,257 287 5,486 408 37,343 4,663

108,277 4,168 67,927 4,268 75,450 4,351 251,654 12,787

4,626 178 0 0 654 82 5,280 260

718,907 61,425 52,708 4,315 153,777 13,300 925,392 79,040

11,636 253 16,696 2,736 5,689 389 34,021 3,378

196,140 26,180 265,849 10,410 9,195 232 471,184 36,821

24,377 4,161 16,019 1,398 7,745 355 48,141 5,913

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

States

Commercial banks Total

No. of SHGs Savings amount

(Rs lakh) No. of SHGs

Savings amount (Rs lakh)

No. of SHGs Savings amount

(Rs lakh) No. of SHGs

Savings amount (Rs lakh)

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

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).

Page 25: 6. Financial Inclusion

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) 19,724 21,413 24,407 514 1,020 1,581 2.6Commercial banks (private sector) 440 471 1,404 24 47 74 5.4Regional rural banks 6,145 7,430 8,614 219 273 426 3.6Co-operative banks 1,729 1,908 1,916 67 134 131 3.9Total 28,038 31,221 36,340 823 1,474 2,213 2.9

Loans outstanding against SHGs as on

Amount of NPAs as on

Percentage of NPAs to loans outstanding as on

31 March 2010

31 March 2011

31 March 2012

31 March 2010

31 March 2011

31 March 2012

31 March 2010

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).

Page 26: 6. Financial Inclusion

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)

4.8 6.510.1 5.33.7 5.07.0 6.84.7 6.1

Percentage of NPAs to loans outstanding as on

31 March 2011

31 March 2012

Page 27: 6. Financial Inclusion

0 0 35,773 52,219 35,7734 2 0 0 4

7,113 2,984 9,140 2,625 16,2531,614 1,028 19,325 11,143 20,939

475 176 1,385 1,221 1,8600 0 259 303 259

260 3 2,209 2,010 2,4691,395 3,382 1,303 1,552 2,698

185 136 640 1,270 8250 0 0 0 00 0 175 61 175

4,145 3,664 31,786 25,838 35,9312,141 3,608 5,024 6,753 7,1653,683 1,357 3,603 961 7,286

726 490 2,679 2,971 3,4050 0 0 0 0

31 19 33 45 644 26 73 22 770 0 0 0 0

32,146 12,372 21,116 10,790 53,26223 NA 856 698 879

0 0 3,185 3,907 3,18552 64 13 58 65

52,734 70,262 16,516 34,250 69,25011 5 0 0 11

13,207 1,647 7,106 8,811 20,313236 57 1,541 2,366 1,777

20,860 13,248 27,864 91 48,724All-India 141,045 114,529 191,662 170,039 332,707

Table 6.17: State-wise Financing of Joint Liability Groups (JLGs) (Rs Lakh) (2011–12)

States No. of JLGs

promoted as on 31 March 2011

Loans disbursed as on 31 March

2011

No. of JLGs promoted during

2011–12

Loans disbursed during 2011–12

Cumulative no. of JLGs promoted as on 31 March 2012

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

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).

Page 28: 6. Financial Inclusion

52,2192

5,61012,171

1,396303

2,0134,9341,406

061

29,50210,361

2,3183,461

06448

023,162

6983,907

122104,512

510,458

2,42313,339

284,569

–12)

Cumulative loans disbursed as on 31 March 2012

* 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.

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

Page 29: 6. Financial Inclusion

Particulars2008–09 2009–10 2010–11

No. of MFIs Amount No. of MFIs Amount No. of MFIs Amount

581 3,732 779 10,729 471 8,449

1,915 5,009 1,659 13,956 2,315 13,731Fresh loans as % of loan outstanding - 75 - 77 - 62

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

Loans disbursed by banks to MFIs (Rs Crore)Loans outstanding against MFIs as on 31 March (Rs crore)

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).

Page 30: 6. Financial Inclusion

2011–12No. of MFIs Amount

465 5,205

1,960 11,450- 46

09, 2009–10, 2010–11 and 2011–12)

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

Page 31: 6. Financial Inclusion

Financing agency

Year No. of MFIs Amount

All commercial banks

2008–09 522 3,7192009–10 645 8,0392010–11 460 7,6012011–12 336 4,951

Regional rural banks

2008–09 59 132009–10 46 242010–11 9 42011–12 113 13

Co-operative banks

2008–09 NA NA2009–10 0 02010–11 NA NA2011–12 4 2

SIDBI

2008–09 NA NA2009–10 88 2,6662010–11 2 8442011–12 12 239

Total by all agencies

2008–09 581 3,7322009–10 779 10,7292010–11 471 8,4492011–12 465 5,205

Table 6.19: All-India Loans to MFIs by Banks/Financial Institutions (2008–09, 2009–10, 2010–11 and 2011–12)

Loans disbursed to MFIsduring the year

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 on 6 September 2013).

Page 32: 6. Financial Inclusion

No. of MFIs Amount1,762 4,9781,407 10,0952,153 10,6471,684 9,811

153 31103 52

23 42128 38NA NA

3 0.01NA NA19 5NA NA

146 3,808139 3,042129 1,597

1,915 5,0091,659 13,9562,315 13,7311,960 11,450

–09, 2009–10, 2010–11 and 2011–12)

Loans outstanding against MFIs as on 31

March

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