The details of the number of farm accounts and amount disbursed to small
and marginal farmers during last three years and in current year (i.e.,
2012-13) up to September 2012 are as under:
|
Year
|
Total No. of farm loan a/cs financed
|
No. of SF/MF loan a/c financed
|
Total Disbursements
|
Credit disbursed to SF/MF
|
% of SF/MF loan A/c to total loan A/cs
|
% share to total amount of credit disbursed
|
|
2009-10
|
482.30
|
284.73
|
3,84,514.20
|
1,18,277.11
|
59.04
|
30.76
|
|
2010-11
|
549.60
|
335.95
|
4,68,291.28
|
1,63,189.65
|
61.13
|
35.00
|
|
2011-12
|
646.57
|
404.82
|
5,11,029.09
|
2,21,329.24
|
62.63
|
43.31
|
|
2012-13
(upto Sept 2012)
|
356.25
|
225.02
|
2,39,628.93
|
1,14,790.95
|
63.16
|
47.90
|
Out of 646.57 lakh farmers financed
during 2011-12, 404.82 lakh farmers were in the small and marginal farmers
category, constituting 63% of the total number of farmers financed, who
received credit amounting to Rs. 2,21,329 crore, forming 43% of the total
credit disbursements at Rs. 5,11,029 crore.
NABARD does not maintain details of
subsidized farm loans disbursed to Small Farmers (SF)/Marginal Farmers (MF) and
big farmers.
The Government of India has taken
several measures for the availability of credit to farmers in general and small
and marginal farmers in particular. These include:
i)
The
Interest Subvention Scheme is being implemented by the Government of India
since 2006-07 to make short-term crop loans up to Rs. 3 lakh for a period of
one year available to farmers at the interest rate of 7 per cent per annum. The
Government of India has since 2009-10 been providing additional interest subvention
to prompt payees farmers i.e., those who repay their loans in time. The
additional subvention was 1% in 2009-10, 2% in 2010-11 and 3% in 2011-12.
Further, in order to discourage distress sales, the benefit of interest
subvention was made available in the year 2011-12 to small and marginal farmers
having Kisan Credit Card for a further period of up to six months post harvest
on the same rates as available to crop loans against negotiable warehouse
receipts for keeping their produce in warehouses. The Interest Subvention
Scheme for the year 2011-12 has been continued in 2012-13 as well.
ii)
The
Agricultural Debt Waiver and Debt Relief Scheme (ADWDRS), 2008 has de-clogged
the line of credit that were clogged due to the debt burden on the farmers.
Under the Scheme 3.45 crore farmers have been benefitted to the extent of Rs.
52,275.55 crore.
iii)
Banks
have been advised to dispense with the requirement of “no dues” certificates
for small loans upto Rs. 50,000 to small and marginal farmers, share-croppers
and the like and instead obtain a self-declaration from the borrower.
iv)
RBI
has advised banks to waive margin/security requirements for agricultural loans
up to Rs.1,00,000.
This was stated by the Minister of
State for Finance, Shri Namo Narain
Meena in a written reply to a question in the Rajya Sabha today.
* * *
DSM/RS/ka