Nss 577

~ ~fd~l"{f~afUT (IF"lQ{iQ{i) ~ ~ ~~1J:Cf~~~afUT q~{iJOtjfd~l·~~, %OI~'@(11
ctt ~,*, ~ f.i1:ITuT~ fclf'J.f5f~Cp(1CfJl·G~ Jf~ ~ ~ ~Cp(1CfJ"j~ ~ ~ ~ ~ ~ ~ ~ 1
~ ~ G~ ~-f.i1:ITuT 3ffi f.iufl:r"Bl1~ G~ ~ {ixif)lt1 ~ll(3'l\ ~~, :m~,* 3ffi mR1 WT

3fT1Wft Fal"{c.1
tQ1(i1if) Jf~ ~ ~ ~ ~ ~ 4 wwp~ffi<Tr \JfT(fT% 1
2. ~ ~fd~l"{f ~afUT cf)l[1Tt1[1(Q'1Q{iQ{i3fl) -q ~-f?(w~x 2013 ~ ~ ~ TfQ "CA.~."QJ1. ~ 70~
~"R ~ ~~1J:Cf~~afUTf$m 1~~afUT4, ~%OI~'@(11 ctt~ 30"GfT 2012 ~ ~
~ ctt TIt 1 ~ ~ {ixif)lx"i -q l{t"Bl1R qfd~l"{f JfTt.IR 1« ~ ~afUT 4 'l-fTTfiWn 1~ ~ Q'1Q{iQ{iJfT
-q "CA."QJ1."QJ1.
~ 26~ ~ ~ 1971-"GfT 1972), 37~ ~ (~-f?(w~x 1982), 48~ ~ (\)"Hqt1-8w~x
1992), G~ 59~ ~ (\jHqt1-f?(W~x 2003) 4 ~ ~ ~ 3ffi ~ ~afUT f$m 1
3. ~ ~ ~ 1J:Cf~ ~ ~ em- 4 Q'1Q{iQ{iJfT ~ ~ ~ qfd~l"{f ~ ~ JfTt.IR 1«,

'l-fR<fM"q~ql-.(l· ctt q~{iJOtjfd~l· 3ffi %OI~'@(11 ~ J:jQ({:Icrof~Cp(1CfJl·~ ~ ~ gQ , 'JfR(f it;grJf ~ ~ ~
lJ&l \'iJ;difl' G~ ~ ~ ~ f?(w~x 2014 4 \jfffi ~ TfQ 1 ~ JfffiCff, ~ 3ffi ~ ~ fclf'J.f5f
qQ<1~l·1« -:erR~ Rcfrt \jfffi ~ ctt IlT\JRT %, ~ ~ Rcf'rt, llIRctmifl ~\'iJ.qfd2ir.J/t?" JrtGIR2ir \jfffi
ctt \JfT~ % 1~ Rcf'rt =rrra. ''JfR(f it 'iitcJ: ::t3UJ!Rddl' -:erRWTrc1 ctt ~ 4~ Rcf'rt % 1~ Rcf'rt 4
q~ql-.("j ctt %OI~'@(11 ~ ~ ~'* <:T~-~ ~ ~ qffi q~ql-.(l· ctt~, ~ ~ ~ ctt ~ m-,
G~ q~ql-.("j1«~~m-ctt~ Fa~tQ(1I,*~ ~~~~~~f$mTT<:TT% 1
4. ~afUT Jff~ G~ ~tJFf "Q'l-fTTf(~JfRit) -q ~afUT ~ "BTtGl FaCf)[fj(1 ~ G~ ~ Rcf'rt em

?i<:TR~ cpr cprtf f$m % 1~ qfd ~l"{f~ ~t% 4 ~afUT cpr ~ cprtf ~ ~ "U"'l-fTTf
(1ZLP~ WT f$m
TT<:TT
% 1~ ~t[[If'1" G~ {i 1Xoft[1'1 cpr cprtf wtc:P fcl:t[[If'1""Q'l-fTTf % 1 {iJ:j;q [1 1J:Cfq if) Il"{H
(\Sl 41\41) WT f$m TT<:TT
(Bl41 \Sl) -q
"Q'l-fTTf ~ afUT~t.lt fclf*'1" Cf)1% (11q"j iF {iJ:j;q [1'1 cpr cprtf f$m % 1
5. -R, ~afUT iF ~ ~ 4 JfLRT ~§I£fll J:jllkl"{T'1 ~ ~ ~ ~ qfd~l"{f ~afUT ~ 70~ ~ iF

cprtf?;d" 3ffi ~ {iif@CfJl ~ (Q'1Q{iBl) iF Jft1:fEJ 3ffi ~ ctt ~ JfT~ ~ 1 -R ~ Rcf'rt em ~
~ 4 ~ Q'1Q{iQ{iJfT ~ fclf'J.f5f"U"~ iF Jfftlif)I~~l· WT ~ T["D; ~ ctt l{t {ixIQ'11 Cf5«fT~ 1
6. ~ Fal"{lql{i % fm" ~ Rcf'rt ~l\jHIif)I-.(\ ~-f.i1:1fcn,*, ~~ 3ffi :m~,* ~ ~ \3q~llft ~
~ 1~ Rcf'rt ctt FatQ[1q~ ~, ~ JfZfCffRcf'rt iF FcPm ~ ~ 4 ~t.IR iF ~ ~ cpr ~ % I
~,~~
~~ (if. \JlT.W. TF1T)
~, 2016 TT:J:j
Q:nfl
f.i'1-::~t-ml"{I-=Cf)
1J:Cf~ if) 1% It1 ~,
~ ~fd~l"{f ~afUT Cf)1[1T(1[1
Preface
The All-India Debt and Investment Surveys (AlDIS) of the National Sample Survey
(NSS) are the primary source of data on various indicators of stock of assets, incidence of
indebtedness, capital formation and other indicators of economy. These are used for planning.
policy formulation and decision support and as input for further analytical studies by various
Government organizations, academicians, researchers and scholars.
2. National Sample Survey Office (NSSO) undertook All-India Debt and Investment
Survey (AlDIS) in zo" round of NSS carried out during January-December 2013. In the
survey, information on household indebtedness was collected as on sn" June 2012. Most of
the State Governments also participated in this survey on a matching sample basis. Prior to
this NSSO conducted AlDIS in NSS 26th round (July 1971-June 1972), 3ih round (January-
December 1982), 48th round (January-December 1992) and 59th round (January-December
2003).
3. Based on the Central Sample data collected by NSSO in this round of AlDIS. the Key
Indicators of Debt and Investment in India, giving estimates of the important indicators of
assets and indebtedness of Indian households, and the unit level data were released in
December 2014. Apart from this. four detailed reports are planned to be released on various
aspects of debt and investment of which the first report titled 'Household Assets and
Liabilities in India' has already been released. The present report, namely, 'Household
Indebtedness in India' is the second in the series of four reports. This report covers several
aspects of household indebtedness, like number of households reporting cash loans, average
amount of outstanding cash loan and distribution of outstanding cash dues of households by
various characteristics.
4. Survey Design and Research Division (SDRD) undertook the development of survey
instruments and the preparation of this document. Field work of the survey was carried out
by the Field Operations Division (FOD) in respect of central sample. The data processing
and tabulation work was done by the Data Processing Division (DPD). Coordination and
Publication Division (CPO) coordinated various activities pertaining to the survey.
5. I am grateful to the Chairman and Members of the Working Group for NSS 70th round
and National Statistical Commission (NSC) for providing their valuable guidance at various
stages of the survey. I would also like to appreciate efforts made by the officers of the
different Divisions ofNSSO involved in preparation of this document.
6. I am sure that the report will be useful to planners, policy makers, academicians and
researchers. Suggestions for improvement in content, layout and other aspects of this
document will be highly appreciated.
New Delhi (Dr. G. C. Manna)

November, 2016 Director General & Chief Executive Officer
National Sample Survey Office
HIGHLIGHTS
{The report is based on information collected through NSS Schedule 18.2 (Debt and Investment),
during January - December 2013 from 110800 households in Visit 1 (4529 villages and 3507 urban
blocks) spread over the entire country.}
The Incidence of Indebtedness (IOI) was about 31.4% among the rural [Statement 3.1]
households and 22.4% among the urban households.
Average amount of Debt (AOD) per indebted household was Rs. 103457 and [Statement 3.1]
Rs. 378238 in the rural and urban areas respectively.
Land and building together, both in rural and urban areas, accounted [Statement 3.4]
around 90% share in the total value of assets at the national level for
indebted households as well as for all households.
The non-institutional agencies had advanced credit to 19% of rural [Statement 3.6]
households, while the institutional agencies had advanced credit to 17%
households. In urban India, the institutional agencies played a greater role,
advancing credit to 15% of households against 10% by non-institutional
agencies.
In rural, the share of debt from the institutional credit agencies was 56% [Statement 3.10]
against 44% from the non-institutional credit agencies. In urban, the share of
debt from the non-institutional credit agencies was 15% compared to 85%
from the institutional credit agencies.
In rural areas, co-operative societies and commercial banks, together [Statement 3.11]
accounted for 50 % of the outstanding cash debt, with co-operative societies
(24.8%) accounting for a slightly lower share than the Banks (25.1%). Among
the non-institutional credit agencies, ‘professional moneylender’ was found to
be the most important source of finance (28.2%) in rural areas. However,
about 75 % of the “total cash debt” in urban areas was from co-operative
societies and commercial banks, their respective shares being 18% and 57 %.
Among the terms of interest, simple rate of interest was predominant rate in [Statement 3.13a]
practice for both in rural (20.3%) and urban (13.4%) households.
“Interest-free” total cash debt (TCD) outstanding was 8.5% in the rural areas [Statement 3.14]
and 4.5% in urban.
i
HIGHLIGHTS
In the rural areas, nearly 12% of all households opted for short-term and [Statement 3.17a]
medium term borrowing, whereas 10% of the households availed of long term
loans. In the urban areas, 12% households opted for long-term borrowing,
which was highest, followed by medium (8%) and short-termed (5%) loan.
Personal security accounted for highest share (20% in rural and 12% in [Statement 3.18a]
urban) among the types of security against loan followed by 6% in rural and
5% in urban against mortgage of immovable property.
In the rural sector, the percentage share of debt for business purposes was [Statement 3.19]
varying from 11% to 56% among the decile classes.
*******
ii
CONTENTS
Chapter One 1-7
1. Introduction
1.1 The Report in Perspective 1
1.2 Background 1
1.3 Comparability with Previous Round Survey 2
1.4 Reports of the 70th Round-AIDIS 3
1.5 Contents of this Document 4
1.6 Schedules of Enquiry 4
1.7 Scope and Coverage 5
1.8 Conceptual Framework 5
Chapter Two 8-15

2. Concepts and Definitions
2.1 Basic Concepts 8
2.2 Concepts regarding Loan 12
Chapter Three 16-45
3. Summary of Findings
3.1 Introduction 16
3.2 Profile of Indebted Households 17
3.3 Indebtedness in 2012 22
3.4 Institutional Credit in Total Cash Debt 25
3.5 Relative Position of Different Credit Agencies 28
3.6 Schemes of Lending 30
3.7 Payment of Interest 31
3.8 Duration of Cash Dues 35
3.9 Type of Loan 37
3.10 Type of Security 38
3.11 Debt According to Purpose 40
3.12 Size of debt 43
i
Contents
Appendix A
Detailed Tables A-1 – A-276
Appendix B
Note on Sample Design and Estimation Procedure B-1 – B-10
Appendix C
Schedule 18.2 C-1 – C-22
List of Graphs
Fig 3.1R/U percentage distribution of indebted household for each 19

occupational category and asset holding class
Fig 3.2 Average value of asset per indebted household (Rs. '00) by asset 20
holding class
Fig. 3.3R/U IOI (%) by institutional and non-institutional credit agencies by 23

decile classes
Fig. 3.4 Incidence of indebtedness (IOI) of households by terms of 31

interest: 2002, 2012
Fig 3.5R/U Percentage distribution of outstanding cash debt by rate of interest 34

for institutional and non-institutional credit agency
Fig. 3.6R/U Percentage share of debt by broad purpose of loan for each asset 40
holding class
ii
Contents
Appendix A
Detailed Tables
Table 1R/U
AVA, AOD, IOI and Debt-Asset ratio for rural India for each State/UT, major household A-1 – A-4
types [all-India & State/UTs]
Table 2R/U
Per 1000 number of households, average value of assets per household and amount of A-5 – A-20
cash loan per household as on 30.06.12 by household type and sex of head of household
[all-India & State/UTs]
Table 3R/U
Per 1000 number of households, average value of assets per household and amount of A-21 – A-46
cash loan per household as on 30.06.12 by household asset holding class
Table 4R/U
No. of households reporting cash loan outstanding and per Rs. 1000 break-up of A-47 – A-120
outstanding amount of cash loan by nature and rate of interest for major household type
Table 5R/U
Number of households reporting outstanding cash loans as on 30.06.12 in specific rate of A-121 – A-124
interest ranges per thousand households for each household asset holding class
[all-India & rural/urban]
Table 6R/U
Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by rate of A-125 – A-128
interest range for each household asset holding class and credit agency type
Table 7
Per 1000 households reporting cash loans outstanding and per Rs.1000 break-up of A-129 – A-165
amount of cash loans outstanding as on 30.06.12 by credit agency for major household type
Table 8R/U
Number of households reporting cash loans outstanding as on 30.06.12 per thousand A-166 – A-167
households by credit agency for different ranges of interest rate
Table 9R/U
Per Rs.1000 break-up of amount of cash loans outstanding by credit agency for different A-168 – A-169
ranges of interest rate
Table 10R/U
Number of households reporting cash loans outstanding as on 30.06.12 from specific types A-170 – A-243
of credit agency per thousand households for each household asset holding class
Table 11R/U
Per Rs.1000 break-up by credit agency type of amount of cash loans outstanding as on A-244 – A-245
30.06.12 for each household asset holding class [all-India & rural/urban]
iii
Contents
Detailed Tables
Table 12R/U
Number of households reporting cash loans outstanding as on 30.06.12 to institutional A-246 – A-247
agencies for specific schemes of lending per thousand households for each household
asset holding class [all-India & rural/urban
Table 13R/U
households and per Rs.1000 break-up of amount of cash loans (including interest)
outstanding by purpose of loan for each major household type
[all-India & rural/urban
Table 14R/U
households by purpose of loan for each household asset holding class
Table 15R/U
households and per Rs.1000 break-up of amount of cash loans (including interest)
outstanding by type of security of loan for each major household type
Table 16
Number of households reporting cash loans outstanding as on 30.06.12 per thousand A-254
households by duration of loan for each household asset holding class [all-India]
Table 17
Number of households reporting cash loans outstanding as on 30.06.12 per thousand A-255
households by size class of outstanding loan for each household asset holding class
[all-India]
Table 18
Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of A-256
loan for each household asset holding class [all-India]
Table 19a/b/c-R/U
Number of households reporting cash loans outstanding per thousand households as on A-257 – A-262
30.06.02 by type of loan for each major household type [all-India & major household]
Table 20a/b/c-R/U
Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major A-263 – A-268
household type [all-India & major household]
Table 21R/U
Number of households reporting kind loans per thousand households as on the date of A-269 – A-272
survey and average value of such loans by major household type [all-India & State/UTs]
Table 22R/U
Number of households reporting and average value (Rs.) of kind loanas on the date of A-273 – A-274
survey per thousand households per household by outstanding period of loan
Table 23R/U
Estimated number of households reporting having Kisan Credit Card (KCC) and average A-275 – A-276
amount of credit received through it during last 365 days for each major household type
IV
Contents
Detailed Tables
Table 24R/U
households by size class of cash loan outstanding for each household asset holding class
[all-India & major household]
Table 25R/U
Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of A-281 – A-284
cash loan outstanding for each household asset holding class [all-India & major household]
V
Abbreviations
Abbreviation Description
AVA Average Value of Assets
AOD Average Amount of Debt per household
IOI Incidence of Indebtedness
AODL Average Amount of Debt per indebted household
DAR Debt-Asset ratio
TCD Total Amount of Cash Debt
DRI Differential Rate of Interest
PMRY Prime Minister’s Rozgar Yojana
SGSY Swarna Jayanti Gramin Swarozgar Yojana
SJSRY Swarna Jayanti Sahari Rozgar Yojana
KCC Kisan Credit card
hh (s) Household (s)
Chapter One
Introduction
1.1 The Report in Perspective
1.1.1 The National Sample Survey Office (NSSO) conducts nationwide socio socio-economic
surveys as part of its “rounds”, each round normally of a year’s duration. The NSS surveys
are conducted through household interviews on a random sample of households selec selected
through a scientific design and cover practically the entire geographical area of the country.
1.1.2 The All-India
India Debt and Investment Survey (AIDIS) is generally conducted as one of
the main enquiries of an NSS round at decennial
dece intervals. This provides a series of AIDIS’s.
carried out as a part of the 70th
The present report provides the results of AIDIS which was carried
round survey of NSSO during January to December 2013. This was the seventh such survey
conducted at the all-India
India level. The first Report
eport (NSS Report No. 570) gave the survey estiesti-
mates on assets and liabilities (cash loans) of rural and urban households as on 30th June
2012. The present report is the second in the series.
1.1.3 This report has been planned to cover several aspects of household indebtedness like
number of households reporting cash loans, average amount of outstanding cash loan and
distribution of outstanding cash dues of households by various characteristics, such as rate of
interest, duration of loan, credit agency etc.
etc. In general, the estimates are provided for the
country as a whole, as well as for the major states only.
1.1.4 The main objective of the AIDIS is to generate reliable estimates on assets, liabilities
and capital expenditure of the household sector. At present,
present, the decennially conducted AIDIS
is the only nation-wide
wide enquiry providing data on these aspects of Indian households (assets,
indebtedness and capital expenditure). In the 70th round, information on assets and liabilities
of the households as on 30.6.12,
.6.12, amount of capital expenditure incurred by the household
during the agricultural year 2012 – 13 (July 2012 – June 2013), cash borrowings and
repayments made by the household, sale and loss of assets of the household du during the
agricultural year 2012–13
13 was collected through the Debt and Investment Schedule ((18.2).
1.2 Background
1.2.1 The Reserve Bank of India (RBI) conducted the “All India Rural Credit Survey”, for
the first time during November 1951 to August 1952, in 75 selected districts spread all over
the country. The main objective of this survey was to study two aspects, namel
namely, (i) the
Chapter One Page |2
demand for credit from rural families and (ii) the supply of credit by credit agencies – both
institutional and non-institutional. The data were collected mainly for formulating the
banking policies. Information on assets, economic activities, particulars of credit operations
and the incidence of indebtedness in the rural India was collected in the survey to assess the
demand for rural credit. Further, data on the extent and mode of operations of different credit
agencies were collected to examine the supply side of credit.
1.2.2 The first Rural Credit Survey was followed by a similar survey in 1961-62 by the RBI.
The scope of the survey was extended to include capital expenditure in the household sector
and other associated indicators of the rural economy. The second survey thus came to be
known as the "All-India Rural Debt and Investment Survey".
1.2.3 The responsibility of conducting the third such survey was given to NSSO, the then
National Sample Survey Organisation. This organisation undertook the All-India Debt and
Investment Survey (AIDIS) covering both rural and urban areas, in its 26th round (’71-’72),
37th round (’81-’82), 48th round (’92) and 59th round (’03), prior to the 70th round (’13). The
objectives of the AIDIS remain the same as those of the earlier surveys, namely, to obtain
quantitative information on the stock of assets, incidence of indebtedness, capital formation
and other indicators for the rural/urban economy which will be of value in developing the
credit structure in particular, and also to obtain other allied information required in the field
of planning and development. Since the survey was in the nature of a repeat survey of the
59th round, it was considered necessary to plan the survey in such a way as to ensure
comparability of some estimates with those of earlier rounds as far as practicable.
1.3 Comparability with previous round survey
1.3.1 After a critical review of the concepts and definitions followed in the AIDIS of NSS
59th Round with respect to the changed scenario of the country, some changes were made in
the procedure of valuation of assets for the 70th Round:
a. Values of land & building as on 30.06.2012 were recorded in the 70th round as per
their normative/guideline values, whereas in the 59th round they were recorded ‘as
reported by the informant’.
b. The value of the shares and debentures owned on the date of survey was evaluated as
per the market price prevailing on the date of survey, if the said shares/debentures had
been purchased before the reference date, i.e. 30.06.12. On the other hand, if the
shares, etc., were acquired during the reference period, then the purchase/sale price
was recorded under ‘acquisition’ or under ‘disposal’, as the case might be. If they had
been acquired during the reference period by ways other than purchase, then the
market price prevailing on the date of survey was recorded. In cases where it was not
possible to ascertain the prevailing market price of a share, the paid-up value of the
shares (if acquired other than by way of purchase) or the value paid by the household
(if they had been purchased) was recorded.
c. In case of certificates, annuity schemes, the amount paid at the time of purchase was
recorded. In case of deposits, the face value was recorded. In case of insurance
NSS Report No.577: Household Indebtedness in India

Page |3 Introduction
premium, total of the premium paid up to the reference date was considered.
Moreover, for contributions to provident fund, etc., total contribution plus interest
earned was recorded. In case of Unit Linked Insurance plans (ULIP), the valuation
was obtained as product of number of units and net asset value (NAV) of the unit. In
previous round, however, value of financial assets on the date of survey and disposal
and acquisition during reference date to date of survey had been recorded, and finally
value as on reference date had been derived.
1.3.2 In the 70th round, unlike the previous round, direct question on the value of asset
excluding shares/debentures etc., as on 30.06.2012 was asked. In 59th round asset data as on
reference date was derived from the data as on the date of survey and the data on transactions
during the reference date to the date of survey.
1.3.3 Household durables were not considered as assets in this round (as valuation of durable
goods as on any date is difficult to obtain; and some information regarding durable assets are
available from Household Consumer Expenditure Survey).
1.3.4 Bullion and ornaments were collected but kept outside the purview of assets. (In the
th
59 round all household durables including bullion and ornaments were part of asset)
1.3.5 Assets and liabilities of household enterprises were recorded only if the enterprise was
fully owned by the household, and not a partnership involving members of different
households.
1.3.6 In 59th round, while collecting information on a particular loan i) accrued interest, ii)
principal outstanding, and (iii)interest outstanding were separately collected. But during pre-
testing of 70th round it was understood that ‘interest accrued’ during reference date to the date
of survey was difficult to obtain. Moreover, an assessment rather than the exact value of
amount outstanding including interest was of importance for this survey. Thus ‘amount
outstanding including interest’ as on date of survey was collected instead of collecting
separately on principal and interest.
1.3.7 In 70th round, however, to simplify the block of loan for both the purposes of data
collection and data validation without losing any information, since the objective is to obtain
the information for the whole period from reference date to the date of survey, collection of
information on total amount repaid and written off on quarterly basis was dispensed with.
Instead, the same information was collected for the whole period from reference date to the
date of survey
1.3.8 The estimates on assets and liabilities for Telangana are available for the first time
from the 70th round survey. It may be noted that, estimates shown for the state of Andhra
Pradesh relate to the newly formed state of that name. However, for the earlier rounds,
estimates shown for Andhra Pradesh correspond to the erstwhile state boundaries that existed
before the new state was carved out.
1.3.9 Due to the change in coverage and difference in concepts and definitions followed in
the two rounds in respect of some important parameters, the results of AIDIS 2013 (NSS 70th
round) are not strictly comparable with the results of AIDIS 2003 (NSS 59th round). While

Chapter One Page |4
making any comparison of results of AIDIS 2013 with those of AIDIS 2003, these
differences should be taken into consideration.
1.4 Reports of the 70th round AIDIS
1.4.1 The results of the NSS 70th round survey on debt and investment are planned for
release in four reports based on comprehensive tabulation of subject parameters and
indicators in various cross-classifications generated from the central sample data1 . The titles
of these reports are:
1 Household Assets and Liabilities in India (as on 30.06.2012)
2 Household Indebtedness in India (as on 30.06.2012)
3 Household Asset Holding and Indebtedness of Social Groups in India (as on 30.06.2012)
4 Household Capital Expenditure in India during 01.07.2012 to 30.6.2013
1.5 Contents of this document
1.5.1 The already released report Household Assets and Liabilities as on 30.06.2012 (NSS
Report No.570) based on 70th round survey data, gave the major findings of the survey and
discussed the salient features relating to assets and cash liabilities of the households as on
30.06.12.
1.5.2 This report contains three chapters and three appendices. The present chapter, Chapter
One gives an introduction to the report, and Chapter Two describes the basic concepts and
definitions used for the survey. Chapter 3 discusses the main findings on features of indebted
households and description of outstanding cash loan vis-à-vis rate of interest, duration of
loan, credit agency etc. Appendix A of the report contains tables providing estimates of
various items of liabilities for all states. Appendix B gives details of the sample design and
estimation procedure followed and Appendix C consists of the schedules of enquiry
(Schedule 18.2, visit 1 and visit 2) that were canvassed in the surveyed households.
1.5.3 Chapter Three summarises the major findings of the survey and discusses the salient
features relating to cash liabilities of the households as on 30.06.12. The observations are
mainly confined to all-India estimates and are followed by an examination of the
indebtedness across selected states and their rural-urban sectors. The estimates for the smaller
States and Union Territories (UTs) have not been presented separately as the sample sizes for
the smaller states and UTs may not be adequate for getting estimates of desired accuracy – at
least for measuring change or inter-state difference. The estimates for those states and UTs
are presented in the Appendix A. Information on kind loan (collected as on date of survey) is
not analysed in this report.
1.5.3.1 Appendix A of the report contains tables providing estimates of various
characteristics of outstanding cash loan at the state and all-India level separately for
rural and urban areas. As such, for this report, liabilities denote cash loans outstanding
1
See paragraph 1.8.5.1

as on 30.6.2012, which is hereafter referred to, in brief, as debts of households. The

term ‘indebted households’ also stands for the same.
1.5.3.2 All the estimates presented in this report are based on the central sample data
only and also based on combined estimate of the two sub-samples. It would be
worthwhile to mention here that the cell figures in any of these detailed tables, when
added up, may not exactly equal the figure shown against the 'total' column (or line)
due to (i) rounding off and/or (ii) the presence of non-response cases.
1.6 Schedules of enquiry
1.6.1 The survey period of the 70th round was from January to December 2013. The required
information was collected from a set of sample households through two visits to each
household (see Appendix C for detailed schedule). On considerations of operational
necessity, the survey period of the first visit was fixed as seven months from January to July
2013 and the survey period of the second visit of five months duration from August to
December 2013.
1.6.2 In each visit, the liability position of the household was ascertained with reference to
a fixed reference date which was the same for all sample households, viz., the 30th of June,
2012 for the first visit and the 30th of June, 2013 in the second visit. The assets position of
the household on the other hand, was ascertained only in the first visit, with reference to a
fixed reference date, viz., the 30th of June, 2012.
1.6.3 Broadly, the following information was collected in this round from each household:
1. the assets (owned) of the household as on 30th June 2012, classified into (a) physical
assets and (b) financial assets
2. the liabilities of the household as on 30th June 2012 in visit 1 and as on 30th June 2013
in visit 2
3. the amount of capital expenditure incurred (on all transactions) by the household
during July 2012 - June 2013 on (a) residential plots, houses or buildings, (b) farm
business and (c) non-farm business.
1.7 Scope and coverage
1.7.1 Geographical coverage: This survey covered the whole of the Indian Union.
1.7.2 Population coverage: The following rules were adhered to determine population
coverage:
1. Floating population, i.e., persons without any normal residence, was excluded. But
persons residing in open space, roadside shelter, under a bridge, etc., more or less
regularly in the same place were covered.
2. Foreign nationals were excluded, as well as their domestic servants, if by definition the
latter belonged to the foreign national's household (see Chapter 2 for definition).
3. Persons residing in barracks of military and paramilitary forces (like police, BSF etc.)
were kept outside the survey coverage. However, the civilian population residing in
their neighbourhood, including the family quarters of service personnel, was covered.

Chapter One Page |6
4. Orphanages, rescue homes, ashrams and vagrant houses were outside the survey
coverage. However, the persons staying in old age homes, the students staying in
ashram/hostels and the residential staff (other than monks/nuns) of these ashrams were
covered. Although orphans living in orphanages were excluded, the persons looking
after them and staying there were covered. Convicted prisoners undergoing sentence
were outside the coverage of the survey.
1.8 Conceptual framework
1.8.1 Reference period: All the estimates of assets and liabilities presented in this report are
for a fixed reference date, viz. 30.06.2012. These are entirely based on the data collected
during the first visit from the sample households. The position of assets (except shares and
debentures) and liabilities of sample households as on 30.06.2012 was obtained directly from
the informant unlike in the previous round where it had been derived from the data on the
date of survey and the data on transactions during the period from the reference date to the
date of survey.
1.8.2 The estimates of number of households presented in this report are based on data with
a moving reference point, from 01.01.2013 to 31.07.2013, which spans a period of seven
months. These estimates, therefore, may be taken to represent the number of households
existing as on 15.04.2013, the mid-point of the seven-month period. The estimates for assets
and liabilities for the 70th round are obtained as on 30.06.2012 and the average value of assets
and liabilities are obtained by considering the number of households obtained from Visit I
data. For this report only Visit I data were used.
1.8.3 The important classificatory characters used for tabulation are household type/major
household type and household asset holding class.
1.8.4 In the 70th round, unlike the previous round, direct question were asked to ascertain
the value of assets as on 30.06.2012 excluding the case of shares/debentures etc.. In case of
indebtedness of the household, it was felt in this round that items like (i) ‘interest accrued’
during a particular period of time (ii) ‘interest’ outstanding as on date of survey are difficult
to report, and hence the following items were recorded inclusive of interest in both Visit 1
and Visit 2.
a. amount ‘repaid’ during a particular period
b. amount ‘written off ’during a particular period
c. amount ‘outstanding’ of the total loan amount as on date of survey
1.8.5 Sample size: For rural India, the number of villages surveyed in the Central sample
(surveyed by NSSO) was 4,529 and the number of urban blocks surveyed was 3,507. This
document is based on the estimates obtained from the Central sample only (First-stage units).
1.8.6 Second-stage units: Stratification of households was done on the basis of indebtedness
(to institutional agencies or non- institutional agencies or neither) of a particular household.
For the AIDIS, from each sample village and urban block, 14 households were surveyed. The
sampling design and estimation procedure is presented in detail in Appendix C of this
document. The total number of households in which Schedule 18.2 was canvassed, was
62,135 in rural India and 48,665 in urban India in Visit 1 and 61,650 in rural India and 46,771
in urban India in Visit 2.

Table.T1: Number of villages/blocks surveyed and number of households surveyed for Schedule 18.2 Visit 1 and
2: NSS 70th round, Central sample
no. of fsu’s no. of sample households
(villages/blocks)
State/UT surveyed Visit 1 Visit 2
rural urban rural urban rural+urban rural urban rural+urban
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Andhra Pradesh 149 150 2070 2098 4168 2030 1971 4001
Arunachal Pradesh 47 32 560 448 1008 557 447 1004
Assam 214 68 2982 947 3929 2980 941 3921
Bihar 266 88 3671 1227 4898 3662 1210 4872
Chhattisgarh 85 56 1147 784 1931 1143 764 1907
Delhi 10 148 107 1955 2062 103 1767 1870
Goa 14 12 168 168 336 164 161 325
Gujarat 166 163 2302 2215 4517 2281 2145 4426
Haryana 78 76 1037 1047 2084 1034 1015 2049
Himachal Pradesh 88 24 1111 334 1445 1102 322 1424
Jammu & Kashmir 92 68 1242 947 2189 1239 936 2175
Jharkhand 102 68 1369 936 2305 1358 899 2257
Karnataka 170 168 2340 2344 4684 2313 2200 4513
Kerala 159 160 2167 2232 4399 2117 2140 4257
Madhya Pradesh 250 192 3428 2665 6093 3406 2587 5993
Maharashtra 330 328 4589 4536 9125 4559 4317 8876
Manipur 96 80 1328 1117 2445 1328 1116 2444
Meghalaya 68 36 930 504 1434 930 504 1434
Mizoram 47 48 604 672 1276 602 657 1259
Nagaland 44 28 616 392 1008 616 392 1008
Odisha 214 84 2954 1173 4127 2935 1129 4064
Punjab 94 92 1270 1286 2556 1262 1253 2515
Rajasthan 214 140 2933 1936 4869 2904 1843 4747
Sikkim 40 24 548 335 883 548 331 879
Tamil Nadu 246 244 3429 3413 6842 3386 3234 6620
Telangana 97 94 1344 1310 2654 1331 1235 2566
Tripura 104 72 1456 1008 2464 1453 1008 2461
Uttarakhand 39 32 523 446 969 522 442 964
Uttar Pradesh 618 356 8587 4956 13543 8505 4797 13302
West Bengal 326 300 4527 4175 8702 4508 4037 8545
A & N Islands 20 12 237 165 402 231 152 383
Chandigarh 8 16 112 222 334 104 194 298
Dadra & N. Haveli 8 8 112 112 224 111 100 211
Daman & Diu 8 8 112 112 224 111 100 211
Lakshadweep 10 8 111 112 223 107 104 211
Puducherry 8 24 112 336 448 108 321 429
all-India 4529 3507 62135 48665 110800 61650 46771 108421

Chapter One Page |8
1.8.7 Table T1 shows the numbers of villages and urban blocks surveyed, and also the
numbers of rural and urban sample households in each visit, for each State and Union
Territory. Number of households surveyed in visit 2 is lower than those surveyed in visit 1
for many States/UT as some of the households could not be surveyed in visit 2 due to some
reason or other.

Chapter Two
Concepts & Definitions
2.1 Basic Concepts
2.1.1 Household: A group of person normally living together and taking food from a common
kitchen constitutes a household. The word "normally" means that temporary visitors are
excluded but temporary stay-aways
aways are included. Thus, a son or daughter residing in a hostel
for studies is excluded from the household of his/her parents, but a resident employee or
resident domestic servant or paying guest (but not just a tenant in the house) is included in the
employer/host's
t's household. "Living together" is usually given more importance than "sharing
food from a common kitchen" in drawing the boundaries of a household in case the two criteria
are in conflict; however, in the special case of a person taking food with his family
family but sleeping
elsewhere (say, in a shop or a different house) due to space shortage, the household formed by
such a person's family members is taken to include that person also. Each inmate of a mess,
hotel, boarding and lodging house, hostel, etc., is considered as a single-member
member household
except that a family living in a hotel (say) is considered as one household only; the same
applies to residential staff of such establishments. Under-trial
trial prisoners in jails and indoor
patients of hospitals, nursing
ng homes, etc., are considered as members of the households to
which they last belonged.
2.1.2 Household size: The size of a household is the total number of persons in the household.
2.1.3 Household Type: The household type, based on the means of livelihood of a household,
was decided on the basis of the sources of the household's income during the 365 days
preceding the date of survey. For this purpose, only the household's income (net income and
not gross income) from economic activities was considered;
considered; but the incomes of servants and
paying guests were not taken into account.
In rural areas, a household will belong to any one of the following six household
types:
self-employed
employed in agriculture
self-employed
employed in non-agriculture
non
regular wage/salary earning
casual labour in agriculture
casual labour in non-agriculture
non
Others
Chapter Two P a g e | 10
a) Self-employed in agriculture/non-agriculture: Persons who operate their own farm

or non-farm enterprises or are engaged independently in a profession or trade on own-
account are deemed to be self-employed in household enterprises. The remuneration
of the self-employed consists of a non-separable combination of two parts: a reward
for their labour and profit of their enterprise. The combined remuneration is given by
the revenue from sale of output produced by self-employed persons minus the cost of
purchased inputs in production.
b) Regular wage/salaried household: Persons working in farm or non-farm enterprises

not ran by their own households or other and, in return, got salary or wages on a
regular basis (i.e. not on daily basis or on periodic renewal of work contract) were
treated as regular salaried/wage employees.
c) Casual labour household in agriculture/non-agriculture: Persons working in farm

or non-farm enterprises not ran by their own households and, in return, got wages
under terms of daily or periodic work contract were treated as casual wage labourers.
An urban household reported that major source of its income during the 365 days
preceding the date of survey was casual wage employment of members was treated as
a 'casual labour' household.
d) Others: All households not falling in any of these above were considered as ‘Others’.
2.1.4 Occupational classification of rural households: The rural households were initially
classified into two types, namely, cultivator and non-cultivator households.
(i) Cultivator households: All rural households operating at least 0.002 hectare of
land during the 365 days preceding the date of survey were treated as 'cultivator
households'.
(ii) Non-cultivator households: All rural households operating no land or land less
than 0.002 hectare were considered to be non-cultivator households.
2.1.5 Household type of urban households: In urban areas, each household was first
categorised in one of the four groups self-employed, regular wage/ salaried employee, casual
labour and 'others' as per the definitions given below :
self-employed
regular wage/salary earning
casual labour
others
(i) Self-employed: Persons engaged in the farm or non-farm enterprises of their
households were called self-employed workers. In urban areas, a household was
considered self-employed, if the major source of its income during the 365 days
preceding the date of survey was self-employment of its members.

P a g e | 11 Concepts and definition
(ii) Other urban household: All the remaining urban households were treated as 'other'
households.
2.1.6 Major Occupational type: The term refers to cultivator and non-cultivator (i.e. other
than cultivator) households for the rural areas. For the urban areas, self-employed and other
households are the two major household types.
2.1.7 Household assets: Household assets represented all that were owned by the
household and had money value. This included physical assets like land, buildings, livestock,
agricultural machinery and implements, non-farm business equipment, all transport
equipment, and financial assets like dues receivable on loans advanced in cash or in kind,
shares in companies and cooperative societies, banks, etc., national saving certificates and the
like, deposits in companies, banks, post offices and with individuals. The AIDIS does not
include crops standing in the fields and stock of commodities held by the household in the
household assets.
2.1.8 Liabilities: All claims against a household held by others were considered liabilities
of the household. Thus all loans payable by the household to others, irrespective of whether
they were cash loans or kind loans were deemed as liabilities of the households. Unpaid bills
of grocers, doctors, lawyers, etc., were also considered liabilities of the household. Different
kinds of liabilities are defined below.
(i) Cash loans: All loans taken in cash were considered to be cash loans, irrespective
of whether those loans were repaid or proposed to be repaid in cash or in kind. Cash
loans, generally, covered borrowings at specific rates of interest for specific periods of
time. However, if a loan was taken even at ‘nil’ rate of interest from relatives and
friends, it was considered to be a cash loan. The loans may be taken against a security
or without any security. Dues payable by the household owing to purchase of goods
under a hire-purchase scheme were treated as cash loans. These were collected as on
30.06.2012.
(ii) Kind loans: All loans taken in kind (except the cases of hire-purchase)
irrespective of whether those were already repaid or yet to be repaid in cash or in kind
were considered to be kind loans payable. These were collected as on date of survey
as impossible to be recalled by the household as on some reference date. Thus cash
loans and kind loans cannot be added.
Ideally, total liability of a household should be measured by total amount due (cash or kind),
but in this report and all other report of AIDIS (and the previous reports also) only cash dues
are considered.
Assessment of the value of land: In this survey, value of land acquired prior to 30th June
2012 by the household through inheritance or otherwise was recorded on normative basis.
Normative/guideline values of land (as on 30.06.12) were recorded in consultation with
Patwaris (or equivalent) in the rural areas and the Registrar’s office in the urban areas. For
specific notional guidelines on valuation of ‘Land outside the village’, the value reported by
the household was taken as the deemed ‘notional value’ for all practical purposes.

2.1.9 Valuation of assets In the first visit, information was collected on assets (owned) and
liabilities as on 30th June 2012. The basis for valuation of assets is detailed below. However,
for the purpose of estimation of capital formation, all actual expenses incurred on all
transactions during the reference period (i.e. between 01.07.2012 and 30.06.2013) were
recorded separately and were collected in both visits.
The following points may be noted:
a. Values of land & building as on 30.06.12 were reported as per their

normative/guideline values. The local FOD officials consulted Patwaris (or
equivalent) in the rural areas and the Registrar’s office in the urban areas to obtain
them.
b. In case of inability of respondents to report the value as on 30.06.12 of other

physical assets like livestock, agricultural implements, non-farm equipment and
transport equipment, knowledgeable local persons were contacted to assess these
values.
c. Assets and liabilities of household enterprises were recorded only if the enterprise
was fully owned by the household, and not a partnership involving members of
different households.
d. The value of the shares and debentures owned on the date of survey were evaluated
as per the market price prevailing on the date of survey, if the said
shares/debentures were acquired before the reference date, i.e. 30.06.12. On the
other hand, if the shares, etc. were acquired during the reference period by way of
purchase, then the purchase price was recorded under ‘acquisition’ or under
‘disposal’, as the case may be. If they were acquired during the reference period
by ways other than purchase, then the market price prevailing on the date of survey
was recorded. In cases where it was not possible to ascertain the prevailing market
price of a share, the paid-up value of the shares (if acquired other than by way of
purchase) or the value paid by the household (if they are purchased) was recorded.
e. In case of certificates, annuity schemes, the amount paid at the time of purchase
was entered. In case of deposits, the face value was entered. In case of insurance
premium, total of the premium paid upto reference date was considered. Moreover,
for contributions to provident fund, etc., total contribution plus interest earned was
entered. In case of Unit Linked Insurance plans (ULIP), the valuation was
obtained as product of number of units and net asset value (NAV) of the unit.
2.1.10 Farm business: Farm business comprised household economic activities like
cultivation, including cultivation of plantation and orchard crops, and processing of produce
on the farm, e.g. paddy hulling and gur making. Although gur making is a manufacturing
activity, this was covered under farm business only when such activity was carried out in the
farm by indigenous method. Farm business also included activities ancillary to agriculture,
like livestock raising, poultry, fishing, dairy farm activities, bee keeping and other allied

activities coming under Tabulation Categories A and B of the National Industrial

Classification 2008.
2.1.11 Non-farm business: Non-farm business was defined as all household economic
activities other than those covered in the farm business. This cover manufacturing, mining &
quarrying, trade, hotel & restaurant, transport, construction, repairing and other services. For
the purpose of this survey, non-farm business were excluded when such activities were
carried out in non-household enterprises. Non-farm business enterprises, which were
registered under section 2m(i) or 2m(ii) and section 85 of Factories Act, 1948 and Bidi and
Cigar manufacturing establishments registered under Bidi and Cigar Workers (condition of
employment) Act, 1966 were kept outside the coverage of the survey.
2.1.12 Enterprise: An enterprise was defined as an undertaking which was engaged in the
production and/or distribution of some goods and/or services meant mainly for the purpose of
sale, whether fully or partly. An enterprise may be owned and operated by a single
household or by several households jointly, or by an institutional body.
2.1.13 Household enterprise: A household enterprise was defined as one which was run by
one or more members of a household or run jointly by two or more households on partnership
basis irrespective of whether the enterprise was located in the premises of the household(s) or
not. In other words, all proprietary and partnership enterprises were household enterprises.
2.1.14 Non-household enterprise: Non-household enterprises were defined as those which

were institutional, i.e., owned and run by the public sector (Central or State Government,
local governments, government undertakings, etc.), corporate sector, co-operative societies,
other types of societies, institutions, associations, trusts, etc.
2.1.15 Non-agricultural enterprises: All the enterprises covered under NIC-2008, 2–digit
codes 05 to 99 were considered as non-agricultural enterprises.
2.1.16 Household asset holding class: This refers to the 10 decile classes of the
Rural/Urban ALL-INDIA distribution (estimated distribution) of HOUSEHOLDS by asset
holding size. In the tables, the different decile classes are referred to simply as 1 (lowest
decile class), 2, 3, … 9, 10. Thus, for example, the words “decile class 2” (or “10-20%”) in
a table for the State PUNJAB, RURAL sector, means households of the rural Punjab falling
in the second (second lowest) decile class of the estimated ALL-INDIA distribution of
RURAL households by asset holding size. The 10 household asset holding classes were
demarcated separately for each sector based on visit 1 data by examining the distribution of
sample households over the asset holding classes for all-India after data on visit 1 schedules
were entered and validated.
2.2 Concepts regarding Loan
2.2.1 Credit agency: The agency from which a loan was taken was treated as the credit
agency. The credit agencies were either ‘institutional agencies’ or ‘non-institutional

agencies’. The various agencies which were treated as ‘institutional agencies’ were:
government, co-operative agencies, commercial bank including regional rural banks,
insurance, provident fund, financial Corporation/ institution, financial company, Self Help
Group (bank linked and non-banking financial company) and ‘other institutional agencies’.
The agencies which were treated as ‘non-institutional agencies’ were: landlord, agriculturist
money lender, professional money lender, input supplier, relatives and friends, doctors,
lawyers and other professionals, and ‘others’.
2.2.2 Scheme of lending: The different programmes or schemes under which loans were
given by the various institutional agencies for development of particular community, area,
industry, etc. are the schemes of lending. The different schemes which were considered
were: Differential Rates of Interest (DRI), Prime Ministers Rozgar Yojana (PMRY),
Swarnajayanti Gramin Swarojgar Yojana (SGSY), Swarna Jayantai Sahari Rozgar Yojana
(SJSRY), Advances to Minority Communities, Scheme For Liberalization And Rehabilitation
of Scavengers, Exclusive State Schemes, Kissan Credit cards, Crop loan, Other Schemes.
2.7 Nature of interest: A loan of a household may either bear some interest or it may be
interest free. If a loan did not bear any interest, the nature of interest for such a loan was
‘interest free’. For interest bearing loans, the nature of interest was any of the following:
‘simple’, ‘compound’, ‘concessional rate’.
2.8 Rate of interest: Rate of interest per 100 rupee per annum actually charged by the lender
was considered.
2.9 Purpose of loan: The reason for which the household contracted a loan is considered as
the purpose of loan. Even if the loan amount was utilised for a purpose other than that for
which it was borrowed only, the original purpose of borrowing was considered. If more than
one purpose were involved, the purpose for which the maximum amount of loan was
originally intended to be spent was considered. The various purpose of borrowings used for
the survey were:
(a) Capital expenditure in farm business

(b) Current expenditure in farm business
(c) Capital expenditure in non-farm business
(d) Current expenditure in non-farm business
(e) Expenditure on litigation
(f) Repayment of debt
(g) Financial investment expenditure
(h) For Education
(i) For Medical Treatment
(j) For Housing
(k) For Other Household Expenditure
(l) Others
The terms farm business, non-farm business and various types of expenditure are explained
below:

(i) Farm Business: Farm business comprised household economic activities like cultivation,
including cultivation of plantation and orchard crops, and processing of produce on the farm,
e.g., paddy hulling and gur making. Although gur making is a manufacturing activity, this
was covered under farm business only when such activity was carried out in the farm by
indigenous method. Farm business also included activities ancillary to agriculture, like
livestock raising, poultry, fishing dairy farm activities, bee keeping and other allied activities
(ii) Non-farm business: Non-farm business was defined as all household economic activities
other than those covered in the farm business. This cover manufacturing, mining &
quarrying, trade, hotel & restaurant, transport, construction, repairing and other services. For
the purpose of this survey, non-farm business shall exclude such activities when they are
carried out in non-household enterprises. Non-farm business enterprises, which were
registered under section 2m(i) or 2m(ii) and section 85 of factories Act, 1948 and Bidi and
Cigar manufacturing establishments registered under Bidi and Cigar Workers (condition of
employment) Act, 1966 were kept outside the coverage of the survey.
(iii) Capital expenditure in farm business: The expenditure incurred in farm business on
account of purchase, own construction, major repairs, bunding and other land improvement
including reclamation of land, alterations and improvement of buildings and other
constructions constituted the capital expenditure in farm business.
(iv) Current expenditure in farm business: This comprised the current expenditure in the
farm business for purchases of seeds, manure, fodder, payment of wages, rent, land revenue
etc. and that for normal repairs and maintenance of buildings, constructions, machinery and
equipment including transport equipment, furniture & fixtures and household durables meant
for the farm business.
(v) Capital expenditure in non-farm business: It consisted of the expenditure in non-farm

business incurred on account of purchase, own construction, additions, alternations, major
repairs and improvements of buildings, other constructions and machinery and equipment
including transport equipment, furniture and fixture etc. It also included bunding and other
land improvement, including reclamation of land, pertaining to non-farm business.
(vi) Current expenditure in non-farm business: This was made up of the current expenditure
in non-farm business for raw materials, fuel and lubricants, payment of rent, salaries and
wages, hire charge of machinery and equipment etc. and normal repairs and maintenance of
buildings, construction, machinery and equipment including transport equipment, furniture
and fixtures and household durables meant for the non-farm business.
(vii) Other Household expenditure: The expenditure incurred other than (i) for purchase of
residential plot, purchase, construction, addition/ alteration of building for residential
purposes, (ii) for education (iii) for expenditure for medical treatment (iv) for litigation (v)
for financial investment. This might include (i) purchase of durable household assets, cloths
etc (ii) expenditure for marriages, other ceremonies etc.

2.10 Type of security: A loan may be contracted with or without security. The various types
of securities considered were:
a) surety security or guarantee by third party

b) crop
c) first charge on immovable property
d) mortgage of immovable property
e) bullion/ornaments
f) shares of companies, government securities and insurance policies etc
g) agricultural commodities
h) movable property other than bullion, ornaments, shares, agricultural commodities etc
i) other type of security
j) personal security
If a loan was taken without any security (a to i) it was considered under ‘personal security’.
In case, more than one of the different types of securities were applicable for a loan, the type
of security which comes first in the order mentioned above was considered.
2.11 Type of loan: The loans are generally given for a specific period. The loans which are
advanced for a period of up to 12 months were considered as short-term loans, similarly for
medium-term loans the period were 1 to 3 years and for long-term loan the period was more
than 3 years. If the short-term loans were advanced against the pledge of commodities, these
were considered as short-term pledged and if the loans were advanced without any pledge
these were considered as short-term non-pledged.
2.12 Duration of loan: It is the period for which the loan is remaining outstanding. A loan,
which was contracted for a specific period of time, may remain outstanding for a period of
time, which may exceed the period for which the loan was contracted. In such cases, the
actual period for which the loan was outstanding had been considered as the duration.
2.13 Kisan credit card (KCC): Kisan credit cards are issued by Banks to farmers on the
basis of their land holdings so that farmers may use them to readily purchase agricultural
inputs. KCC scheme aims at adequate and timely support from the banking system to the
farmers for their cultivation needs including purchase of inputs in a flexible and cost effective
manner. Under the scheme, Banks provide the KCC to farmers who are eligible for sanction
of credit.

Chapter Three
Summary of Findings
3.1 Introduction
3.1.1 It has been mentioned in Chapter One that this report presents the estimates on several
aspects of household indebtedness like number of households reporting cash loans and
distribution of outstanding cash dues of households by various characteristic
characteristics,
s, such as rate of
interest, duration of loan, credit agency etc. Such estimates are presented for the major states and
all-India
India separately for its rural and urban sectors. In the first report (NSS Report No. 570),
5 the
estimates of value of total assets, the composition of household assets in terms of shares of
different items of assets, and also the indebtedness in terms of cash loans of the households for
some broad categories of households have been released. Therefore, the estimates given in this
report
rt in respect of indebtedness of households may be considered as a follow up of the earlier
report, and the two reports together give the entire profile of indebtedness of households in India
as on 30.6.2012. 2. In this chapter, an attempt is made to bring ou outt the salient
sali features of
indebtedness in the households sector of both rural and urban areas of India.
3.1.2 In order reveal the characteristics of the parameter on the issue and for easy comprehension
of the relationship of other covariates of household debt in this report, a general profile of
indebted households has been presented
presented. This includes average amount of asset, average amount
of debt and debt-asset ratio for indebted households
households.. The distribution of outstanding cash dues
of households as on 30.6.20122 by various characteristics like credit agencies, terms of cash loan
and rate of interest on loans, duration of loan, type of loan, type of security and purpose
pur of loan
is presentated successively in several sections of this chapter.
3.1.3 Of these characteristics, credit agencies and terms and rate of interest oonn loans have been
probed more deeply than the rest, in view of their historical importance regard
regarding
ing the supply side
and cost of loans respectively. A detailed discussion is made on loans taken from credit agencies
and then, on loans by various schemes of lending by institutional agencies. Next, the focus of
discussion shifts to the terms and rate of interest on loans.
Chapter Three P a g e | 17
3.1.4 To have an idea on the change of household asset holdings and indebtedness over the years
since 1971, the results of the earlier surveys of NSSO on Debt and Investment viz. the 26th (July
1971 – June 1972), 37th (January – December 1982), 48th (January – December 1992) and 59th
(January – December 2003) rounds are also presented in this report. The estimates for assets and
liabilities for the 26th round, 37th round, 48th round and 59th round were obtained as on 30.6.71,
30.6.81, 30.6.91 and 30.6.02 respectively and the corresponding estimates for the 70th round
have been obtained as on 30.6.12. In the 70th round, estimates for the number of households have
been obtained from the data of first visit (collected during January–July, 2013) only and
therefore, the estimates refer to the mid-point of the survey period of Visit 1 as on 30.4.13. But to
indicate a uniform reference period for the estimates of a round, in the summary statements of
this chapter, the reference periods for the 26th, 37th, 48th and 59th rounds are stated as 1971, 1981,
1991 and 2002, respectively. Estimates for the 26th (July 1971 – June 1972) round have not been
presented in the summary statements for the urban sectors as the results for the urban sector were
not released for that round.
3.1.5 For the purpose of report, the selected states (which are relatively large in terms of
population) are: Andhra Pradesh, Assam, Bihar, Chhattisgarh, Gujarat, Haryana, Jharkhand,
Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Tamil Nadu,
Telangana, Uttar Pradesh, and West Bengal. However, the estimates for all-India presented in the
statement tables of this chapter along with other tables of the report are based on the data of all
the states and union territories.
3.1.6 The states of Chhattisgarh, Jharkhand, Uttaranchal and Telangana have emerged in the
recent past out of the partition of erstwhile Madhya Pradesh, Bihar, Uttar Pradesh, and Andhra
Pradesh respectively. The estimates on assets and liabilities for all these new states are available
for the first time from the 70th round survey. Therefore, while presenting comparable figures
with the earlier rounds at the state level, figures for these new states are shown as ‘-’. It may be
noted that for the earlier rounds, estimates shown for the states of Madhya Pradesh, Bihar and
Uttar Pradesh and Andhra Pradesh correspond to the erstwhile states that existed before division.
3.2 Profile of Indebted Households:

3.2.1 Incidence of indebtedness (IOI) and average amount of debt (AOD): This document also
deals with some basic estimates of the indebtedness of households. In the 70th round survey, a
household was considered to be indebted if the household had any cash loan outstanding on
30.06.12. It may be noted that like most NSS estimates, these are based on information collected
through the interview method and hence, in fact, refer to ‘reported indebtedness’.
Assets like land, buildings, livestock, agricultural implements & machinery, non-farm
business equipment, transport equipment were considered under physical assets, while cash
and kind dues receivable and shares, deposits, etc., were considered under financial assets.
Average value of all these assets owned per households is named as AVA.
NSS Report no. 577: Household Indebtedness in India

P a g e | 18 Summary of Findings
3.2.2 The percentage of indebted households, representing incidence of indebtedness (IOI) and
average amount of debt (AOD) per household as on 30.06.12 for rural and urban areas of India
are presented in Statement 3.1.
Statement 3.1: Incidence of Indebtedness (IOI), Average Value of Asset (AVA), Average
amount of Debt (AOD) and Debt-Asset ratio (%) per indebted household for different
occupational categories
occupational IOI AVA per AOD per indebted Debt Asset ratio for
categories (%) indebted hh (Rs.) hh (Rs.) indebted household (%)
(1) (2) (3) (4) (5)
Rural
cultivator 35.0 1552914 110438 7.11
non-cultivator 25.6 468078 87938 18.79
all 31.4 1216361 103457 8.51
Urban
self-employed 24.7 3138381 414689 13.21
others 21.3 2235795 358917 16.05
all 22.4 2548486 378238 14.84
3.2.3 The incidence of indebtedness was about 31.4 % among the rural households and 22.4%
among the urban households. Indebtedness in cultivator households was higher (by about 9
percentage points) than non-cultivator households, whereas the difference among occupational
categories of urban area was less (about 4 percentage points). It is also evident that both AVA
and AOD of cultivator indebted households were much more than that for non-cultivator
indebted households. AOD per indebted household was Rs. 103457 and Rs. 378238 in the rural
and urban areas, respectively.
The percentage of the indebted households is named as incidence of indebtedness (IOI); and
average amount of cash dues as on 30.06.2012 per indebted household is termed as Average
amount of Debt (AOD).
The 'debt-asset' ratio (DAR)is defined as the average amount of debt (AOD) outstanding on a
given date for a group of households expressed as a percentage of the average amount of assets
(AVA) owned by them on that given date. Reference date is 30.06.2012.
3.2.4 The IOI, AVA per indebted household and corresponding AOD as on 30.06.2012 for
each asset holding class are presented in Statement 3.2 separately for rural and urban India. It is
seen that both in rural and urban areas, IOI increases as one moves from lower to higher decile
classes with a marginal drop in couple of classes.

Statement 3.2: Incidence of indebtedness (IOI), Average value of Assets (AVA) per indebted household and
average debt per household (AOD) per indebted household by asset holding class
decile class rural urban
of hh asset IOI AVA of indebted AOD per indebted IOI AVA of indebted AOD per indebted
holding (%) hh (Rs.) hh (Rs.) (%) hh (Rs.) hh (Rs.)
(1) (2) (3) (4) (5) (6) (7)
1 19.62 29004 49478 9.34 3761 59808
2 22.30 93851 39554 14.63 10405 81587
3 27.05 151588 51053 20.16 67916 99572
4 27.46 230917 57077 24.16 224521 117662
5 30.95 325059 60746 21.67 449076 138076
6 32.99 456504 71047 23.44 775672 156807
7 32.69 638710 88006 23.77 1250627 233609
8 37.33 920224 100877 25.42 1994510 358212
9 42.64 1563253 132867 29.41 3493049 572822
10 41.32 5378022 270747 31.74 11094503 1255405
all 31.44 1216361 103457 22.37 2548486 378238
3.2.5 On the other hand AVA per indebted household as well as AOD are seen to increase more
or less steadily as one moves from lower to higher decile classes for both the sectors. The ratio of
AOD of the lowest class to that of the highest class is higher in urban sector that that of rural
sector. The difference is even more for the similar ratio of AVA per indebted household. Fig. 3.1
shows AVA per indebted household by asset holding class:
Fig. 3.1: Average value of asset per indebted household (Rs. '00) by asset
holding class
120000
AVA per indebted households (Rs.)
100000 Rural
80000 Urban
60000
40000
20000
0
1 2 3 4 5 6 7 8 9 10
decile class of asset holding
3.2.6 IOI and AOD across Asset Holding Classes within major household type among the
indebted households: Statement 3.3 shows percentage of indebted households belonging to each
1
Household durable goods were not considered as assets in 70th round and therefore Average Value of Assets
(AVA) per indebted household was very low for the households belonging to the lowest decile class of asset holding.

asset holding class vis-à-vis occupational category for each sector. Sample number of household
reporting cash loan for each sector is also added for each of the decile class. Fig. 3.2R/U gives
all-India feature of the same separately for rural and urban areas.
Statement 3.3: Percentage distribution of indebted household by asset holding class for each
occupational category: all-India
% distribution of indebted households in
decile
rural urban
class of
hh asset sample hh sample hh
non- self-
holding cultivator all reporting others all reporting
cultivator employed
cash loan cash loan
(1) (2) (3) (4) (6) (7) (8)
1 2.04 15.58 6.24 1245 1.05 5.83 4.18 526
2 3.72 14.60 7.09 1543 5.07 7.32 6.54 996
3 5.95 14.48 8.60 1952 7.58 9.76 9.00 1539
4 7.54 11.44 8.75 2282 8.93 11.80 10.80 2102
5 8.95 11.82 9.84 2478 9.50 9.78 9.68 2205
6 10.34 10.84 10.49 2649 12.74 9.28 10.48 2433
7 12.16 6.49 10.40 2635 11.37 10.22 10.62 2405
8 14.45 6.15 11.88 2995 12.17 10.92 11.35 2669
9 17.42 4.98 13.56 3680 14.02 12.70 13.15 2742
10 17.43 3.62 13.15 3973 17.56 12.40 14.19 2629
all 100 100 100 25432 100 100 100 20246
3.2.7 Percentages of indebted households was increasing with the rise in decile class for
cultivator households in the rural areas where as the same was decreasing for non-cultivator
households. In the urban, the proportion of indebted households increases with the decile class
for both self-employed and ‘others’, though less steeply for the former.
Fig. 3.2R: percentage distribution of indebted household for Fig. 3.2U: percentage distribution of indebted household for
each occupational category and asset holding class: rural each occupational category and asset holding class: urban
20 20
18 18
16 16
14 14
12 12
percentage
percentage
10 10
8 8
6 self-employed
cultivator 6
4 4 others
2 non-cultivator
2
0 0
1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 6 7 8 9 10
decile class of asset holding decile class of asset holding
3.2.8 Composition of Household Asset Holdings for indebted households: The information on
value of assets, physical or financial, as collected under ‘assets’ are grouped in broad category

like (i) land and building, (ii) livestock and poultry, (iii) machinery and equipment and (iv)
financial assets and shown in Statement 3.4 for rural and urban India separately for indebted and
all households (i.e. indebted households and households without any debt).
Statement 3.4: Percentage share of different components of assets in the total value of
assets among indebted households vis-à-vis all household: all-India
% share over broad type of assets by households classified by
broad type of assets rural urban
Indebted all Indebted all
(1) (2) (3) (4) (5)
land & building 93.3 93.7 88.8 91.8
land 72.4 72.6 51.1 46.9
building 20.9 21.1 37.7 44.9
livestock & poultry 1.6 1.6 0.1 0.1
#
machinery & equipment 3.4 2.8 4.9 3.3
*
financial assets 1.7 1.9 6.2 4.8
all 100 100 100 100
# includes agriculture machinery & equip., non-farm business equip., all transport equipment
* include amount receivable, value of shares and debentures held and all deposits with bank, non- banking
companies, MFI, SHG, PF etc., insurance excl. bullion and ornaments
3.2.9 Land and building together, in the rural areas, clearly formed the predominant component
of assets – jointly holding around 94% share in the total value of assets at the national level for
all households which were similar to that for indebted households (93%).
Financial Assets includes amount receivable, value of shares and debentures held and all
deposits with bank, non-banking companies, MFI, SHG, PF etc., and insurance
3.2.10 It is seen that in urban areas, 92% share in the total value of assets at the national level
was observed in land and building for all households vis-à-vis 89% for indebted households. In
urban area share of ‘machinery and equipment’ and ‘financial assets’ for indebted household was
around 5% and 6% respectively whereas the same for all households were 3% and 5%
respectively. On the whole, it may be stated that the pattern of owning asset was not very
different in indebted households both in rural and urban sector
3.3 Indebtedness in 2012
3.3.1 Trend in IOI and share of debt among major household type – Statement 3.5 presents the
percentage share of outstanding debt as on 30th of June as well as incidence of indebtedness in
the years 1991, 2002 and 2012 for the rural households as well as for the urban households for
different occupational category of households.

3.3.2 Actually, in earlier rounds of AIDIS till the survey in 1981, ‘total household debt’ included
‘debt in kind’ which formed a very small part – less than 3% - of the total debt. To that extent,
any exercise in comparison over different rounds of AIDIS suffers, since the figures reported on
incidence and level of indebtedness in earlier AIDIS rounds are strictly not comparable with
those of 1991 onwards. That is why earlier round information are willfully excluded from the
following statement.
Statement 3.5: Incidence of Indebtedness (IOI) and Percentage share of outstanding debt by
occupational categories of the households in recent rounds of AIDIS (1991, 2002 and 2012)
rural urban
cultivator non-cultivator self employed others
year
% of debt % of debt % of debt % of debt
IOI IOI IOI IOI
to total debt to total debt to total debt to total debt
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1991 25.9 79.5 18.5 20.5 19.9 41.7 18.9 59.3
2002 29.7 73.3 21.8 26.7 17.9 37.3 17.8 62.7
2012 35.0 73.6 25.6 26.4 24.7 38.0 21.3 62.0
3.3.3 The distribution of total household debts between the two broad categories of households in
the rural sector, namely cultivators and non-cultivators, also shows that as high as 74% of the
total debt, was accounted for by the cultivator households, where 35% cultivator households
were indebted as on 30.06.2012. Whereas the percentages of indebted households among
cultivator households are found to increase (from 30% to 35%) in 2012 from 2002, there was
marginal increase in the share of debt (about 0.3 percentage points).
3.3.4 In urban sector on the other hand, more or less, a balanced distribution of household debts
is observed between the two broad categories of households, namely self-employed and others.
The self-employed household, in the urban areas, held 38% (as against 37% in 2002) of urban
household debts. The corresponding share in 1991 was nearly 42%, but there was a fall of 4
percentage point in 2002. On the other hand, there was decline in the percentage of indebted self-
employed households in the urban from 1991 to 2002– traced at nearly 20% in 1991, to 18% in
2002. But in 2012 it was increased by 7 percentage points and recorded as 25%.
3.3.5 Nature of credit agency and household assets holding: Statement 3.6 shows the
percentage of indebted households by asset holding class for different credit agencies.
Institutional credit agency includes Government, Banks, Insurance companies, PFs, Financial
companies, Self-Help groups, etc.
3.3.6 The results of the survey show that non-institutional agencies played a major role in
advancing credit to the households, particularly in rural India. The non-institutional agencies had
advanced credit to 19% of rural households, while the institutional agencies had advanced credit
to 17% households. In urban India, the picture is different; the institutional agencies appear to

have played a greater role, adva

advancing
ncing credit to 15% of households against 10% by non-
institutional agencies.
Statement 3.6:: Incidence of indebtedness (IOI) to institutional and non-institutional credit agencies
by household asset holding class: all
all-India
Incidence of Indebtedness (%)
decile class
rural urban
of hh asset
holding only only only only
both all both all
institutional non-inst
inst. institutional non-inst.
(1) (2) (3) (4) (5) (6) (7) (8)
(8 (9)
1 5.6 11.6 2.4 19.6 2.9 5.9 0.5 9.3
2 5.2 15.0 2.1 22.3 4.5 8.4 1.7 14.6
3 8.0 16.3 2.8 27.1 8.3 9.6 2.3 20.2
4 9.2 15.2 3.1 27.5 9.8 11.7 2.7 24.2
5 9.1 17.8 4.0 30.9 9.1 9.6 3.0 21.7
6 11.4 16.0 5.6 33.0 10.7 9.4 3.3 23.4
7 13.4 13.6 5.7 32.7 12.2 8.1 3.5 23.8
8 15.8 15.1 6.4 37.3 15.4 6.5 3.5 25.4
9 20.5 13.4 8.7 42.6 22.3 3.8 3.3 29.4
10 26.0 8.7 6.6 41.3 26.0 2.7 3.0 31.7
all 12.4 14.3 4.7 31.4 12.1 7.6 2.7 22.4
3.3.7 Figure 3.3R and 3.3U show proportion of households indebted with institutional and non-
non
institutional credit agencies by decile classes separately for rural and urban areas.
Fig. 3.3R: IOI (%) by institutional and non-institutional

institutional Fig. 3.3U: IOI (%) by institutional and non-institutional
non
credit agencies by decile classes: rural credit agencies by decile classes: urban
35 30
institutional non-institutional institutional non-institutional
institutional
30
25
25 Rural
20 Urban
20
15
15
10 10
5 5
0
0
1 2 3 4 5 6 7 8 9 10
1 2 3 4 5 6 7 8 9 10
decile class decile class
a) Institutional agencies:: Statement 3.

3.6 shows that, in both rural and urban areas the percentage
of indebted households to institutional agencies increases with increase in assets holding
(except in 2nd decile in rural and 5th decile in urban). For the rural sector, about 4 times as
many households in the top decile class (32.6%) are indebted to institutional agencies
compared to the bottom decile class (7.9%), while in the urban sector about 8 times as many

households in the top decile class (29.1%) were indebted to institutional agencies compared to
the bottom decile class (3.4%).
b) Non-institutional agencies: In the case of non-institutional agencies, however, no such
definite rising or declining pattern in IOI across decile classes is observed. For urban
households, the IOI to non-institutional agencies in the higher decile classes declines from
about 12-13% for the 5th and 6th classes to under 6% for the top decile class.
3.3.7 An important point may be noted among the indebted households that most of them are
found to be indebted either to the institutional agencies or to the non-institutional agencies. The
cases of availing credit from both the institutional and non-institutional agencies are not too
many in both the rural or in the urban areas. In fact, it was about 5% in the rural and 3% in the
urban that had reported to avail credit advance from both the agencies
3.3.8. Nature of credit agency and inter-state variation: Discussion on the incidence of
indebtedness (IOI) and its variation among states has already been included in NSS Report no.
570. Spread of indebtedness by different agencies for selected states are presented.
Statement 3.7: Incidence of indebtedness (IOI) of households as on 30.6.12 to institutional and

non-institutional credit agencies for selected states
rural urban
major state IOI (%)
institutional non-inst. all institutional non-inst. all
(1) (2) (3) (4) (5) (6) (7)
Andhra Pradesh 35.2 32.2 54.1 27.7 22.2 39.8
Assam 4.4 5.9 10.1 14.8 3.6 17.6
Bihar 5.6 25.3 29.1 5.8 8.1 13.2
Chhattisgarh 6.7 8.9 13.9 6.6 5.3 11.8
Gujarat 14.6 13.0 26.0 13.7 6.3 19.4
Harayana 13.2 14.8 23.9 7.7 5.3 12.5
Jharkhand 6.1 13.4 18.5 7.3 4.8 11.6
Karnataka 26.7 29.7 46.4 18.2 12.2 26.5
Kerala 43.0 15.0 49.5 41.5 13.7 47.0
Madhya Pradesh 11.0 15.6 24.7 10.0 6.4 15.3
Maharashtra 24.4 11.6 31.3 14.6 5.6 18.9
Odisha 15.4 14.4 25.7 12.2 7.8 18.7
Punjab 15.4 22.3 33.1 9.5 10.2 18.3
Rajasthan 13.2 29.1 37.4 10.1 13.8 22.6
Tamil Nadu 26.6 21.3 39.7 23.8 17.4 34.8
Telangana 38.9 38.6 59.1 15.8 19.1 30.5
Uttar Pradesh 12.9 19.5 29.6 8.9 11.1 18.9
West Bengal 13.2 13.0 23.6 9.6 6.1 14.7
all-India 17.2 19.0 31.4 14.8 10.3 22.4
Ref: Appendix Table 7

3.3.9 Inter-state variation rural: Indebtedness was reported to be more widespread in Andhra
Pradesh, Kerala, Telangana and Karnataka than in the other states. In these states, the value of
IOI exceeded 40%. In all these southern states, except Kerala, IOI for non-institutional agencies
varied in the range of 21% to 39%, while the all-India figure was 19%. For non-institutional
agencies, 8 states reported higher IOI than the national average (for rural areas), whereas states
like Assam and Chhattisgarh it was much less than the said national average.
3.3.10 Inter-state variation – urban: It distinctly reveals higher incidence of indebtedness
among the urban households in the five southern states (Kerala, Andhra Pradesh, Tamil Nadu,
Telangana and Karnataka). IOI for all other states except Rajasthan was less than the national
level incidence. The indebtedness for institutional agencies is higher than that for non-
institutional agencies in the urban areas for most of the states except Bihar, Punjab, Rajasthan,
Telangana and Uttar Pradesh. The variation ranged from 6% in Bihar to 42% in Kerala for
institutional agencies. At the same time, 6 states showed higher than (or equal to) national
average (14.8), rest 12 states are having less than national average. In urban areas it is observed
that use of non-institutional agencies is less than institutional agencies in all states excluding
Bihar, Punjab, Rajasthan, Telangana and Uttar Pradesh.
3.4 Institutional Credit in Total Cash Debt
3.4.1 In view of the fact that the institutional credit agencies have an impact on the cost of
borrowing; an attempt is made to examine in some detail the role of institutional agencies in
providing loans to different segments of households in both the rural and urban sectors.
3.4.2 Change in Share of Institutional Credit in Total Cash Debt: For long, the household
sector, particularly in rural India, was exploited by the traditional credit agencies like
agricultural money lender, professional money lender, landlords, traders etc. It seems that their
stranglehold that was gradually loosening since 1970, with the institutional agencies making
steady inroads into the rural scene.
Statement 3.8 : Percentage share of institutional agencies in outstanding cash debt for
each of occupational categories of households
% share of outstanding cash at institutional agencies as on 30th June
occupational
category 1971 1981 1991 2002 2012
th th th th
(26 ) (37 ) (48 ) (59 ) (70th)
(1) (2) (3) (4) (5) (6)
Rural
cultivator 32 63 66 61 58
non-cultivator 11 37 55 46 49
all 29 61 64 57 56
Urban
self-employed - 58 69 67 79
others - 62 74 80 88
all - 60 72 75 85

3.4.3 Statement 3.8 shows that in the rural, the share of institutional credit agencies in the
outstanding cash dues of the rural households at the all-India level increased from 29% in 1971
to 61% in 1981 and then the pace of increase was arrested and rose to 64% in 1991 and the share
declined by about 7 percentage points and reached at 57% in 2002. During the following decade,
the share further declined and reached at 56% in 2012.
3.4.4 Moreover, it shows that all categories of households, both in urban and rural, experienced
increase in the incidence of institutional sources of indebtedness between 1971 and 1991. But
since 1991 the institutional share of both the rural occupational categories experienced sharp
decline, though there was a marginal recovery in 2012 for non-cultivator households but still less
than 1991 level. In contrast for both urban categories there was continuous increase in the
institutional share and by 2012 urban indebted households as a whole had most of their
indebtedness (85%) accounted by institutional sources, in contrast with the rural indebted
households which secured only 56% of their credit by 2012, which was much less than what it
was in 1981 (61%).
3.4.5 State-level Changes during 1971 to 2012: The share of institutional debt contracted by the
rural and urban households in major states is presented in Statement 3.9.
Statement 3.9: Percentage share of institutional agencies in outstanding cash debt for selected states
rural urban
selected state
1971 1981 1991 2002 2012 1981 1991 2002 2012
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 14 41 34 27 42 26 53 60 69
Assam 35 31 66 58 72 77 97 83 89
Bihar 11 47 73 37 22 61 67 65 71
Chhattisgarh - - - 85 66 - - 86 93
Gujarat 47 70 75 67 64 86 59 74 92
Haryana 26 76 73 50 52 66 81 56 94
Jharkhand - - - 71 51 - - 91 83
Karnataka 30 78 78 67 50 54 85 83 73
Kerala 44 79 92 81 78 77 75 83 89
Madhya Pradesh 32 66 73 59 52 72 70 84 86
Maharashtra 67 86 82 85 73 65 78 91 96
Odisha 30 81 80 74 57 83 83 93 96
Punjab 36 74 79 56 64 61 59 76 81
Rajasthan 9 41 40 34 31 47 78 52 59
Tamil Nadu 22 44 58 47 62 56 71 59 78
Telangana - - - - 32 - - - 80
Uttar Pradesh 23 55 69 56 57 59 65 58 90
West Bengal 31 66 82 68 51 55 74 75 87
all-India 29 61 64 57 56 60 72 75 85
3.4.6 State-specific variation in 2012: Role of the institutional agencies, as judged from their
share in the outstanding cash dues, varied from state to state. A snapshot of this variation in

2012 shows that in the rural areas, institutional credit agencies accounted for 70% or more of the
“total cash due” (TCD) in Assam (72%), Maharashtra (73%), Kerala (78 %). In the urban areas,
the share of institutional agencies had been 70% or more of the “total cash due” for all states
except Andhra Pradesh and Rajasthan. Among them, the share was 90% or more in six states
(Chhattisgarh, Gujarat, Haryana, Maharashtra, Odisha and Uttar Pradesh). In contrast, not even
50% of the debt was contracted through the institutional credit agencies in the rural areas of
Andhra Pradesh (42%), Telangana (32%), Rajasthan (31%) and Bihar (22%). In the urban areas,
however, the least share of institutional agencies was recorded (59%) in Rajasthan.
3.4.7 During the periods 1971 to 2012, the states do not reveal any uniform pattern in the share
of institutional agencies in total debt. Compared to 2002, the picture had changed in some of the
selected states. Of the 18 states in the rural, as many as 11 have shown a fall in the share of
institutional agencies, notable among them are Bihar, Chhattisgarh, Jharkhand, Karnataka
Odisha, and West Bengal where the fall in percentage share from 2002 values had been more
than 15 percentage points. On the other hand in urban area, all states (other than Jharkhand and
Karnataka) had registered a rise in the share.
3.4.8 Share of Institutional Agencies by Decile Class of Household Assets Holding: Statement
3.10 gives the percentage shares of the amount of debt contracted from institutional and non-
institutional credit agencies for each decile class at all-India level.
Statement 3.10: Percentage share of institutional agencies to the total cash dues of
the households as on 30.6.12 by household assets holding class
decile class rural urban
of asset
holding
(1) (2) (3) (4) (5) (6) (7)
1 28 72 100 45 55 100
2 23 77 100 40 61 100
3 35 65 100 48 52 100
4 26 74 100 55 46 100
5 35 65 100 53 47 100
6 40 60 100 62 38 100
7 53 47 100 73 27 100
8 49 51 100 79 21 100
9 62 38 100 90 10 100
10 75 25 100 95 5 100
all 56 44 100 85 15 100
Ref: Appendix Table 11R/U
3.4.9 The institutional credit agencies play an important role in meeting the need of credit of the
households on easy terms of contract and thus reduce the burden of heavy interest that the

households would otherwise be compelled to bear. Unfortunately, their dominance appears to be

the least among those who, probably, need their service most.
3.4.10 Statement 3.10, which gives the percentage shares of the amount of debt contracted from
institutional and non-institutional credit agencies for each decile class at all-India level, reveals
that the households of the lower asset groups were more dependent on the non-institutional credit
agencies. In the rural, the share of debt from the institutional credit agencies was only 28% in the
case of lowest class as against a high 75% in the highest class. In the urban areas also, the
discrepancy was similar, which is found to be as low as 45% in the case of lowest class and as
high as 95 % in the highest class.
3.5 Relative Position of Different Credit Agencies
3.5.1 Statement 3.11 shows the percentage distribution of total outstanding cash dues of rural and
urban households by credit agencies within the institutional and non-institutional types as
obtained from the survey.
Statement 3.11: Percentage share of different credit agencies to the
total cash dues of the households as on 30.6.12: all-India
credit agency % share of cash dues in credit agencies

rural urban
(1) (2) (3)
Govt. 1.2 1.8
co-op. society/bank 24.8 18.0
commercial bank incl. RRB 25.1 57.1
insurance 0.2 1.6
provident fund 0.1 0.3
financial corp./institution 0.6 2.3
financial company 1.1 1.9
self-help group-bank linked 1.9 0.6
self-help group - NBFC 0.3 0.2
other institutional agencies 0.7 0.8
all institutional agencies 56.0 84.5
landlord 0.7 0.1
agricultural moneylender 5.0 0.1
professional moneylender 28.2 10.5
input supplier 0.1 0.0
relatives and friends 8.0 4.2
doc., lawyers & other prof. 0.5 0.1
others 1.4 0.5
all non- institutional agencies 44.0 15.5
all agencies 100 100

3.5.2 It is observed that, at the all India level, among the institutional credit agencies, the co-
operative societies and the commercial banks were the two most important agencies both in the
rural and urban sectors. Among the non-institutional agencies, professional money lender was
the main source of credit in both the rural and urban areas.
3.5.2 Institutional agencies: As is evident from the statement, the most remarkable performance
was that of the co-operative societies and commercial banks. In rural areas, these two agencies
together that shared 89 % of the entire amount of debt advanced by the institutional agencies,
accounted for 50 % of the outstanding cash debt, with co-operative societies (24.8%) accounting
for a less share than the Banks (25.1%). However, about 75 % of the “total cash due” in urban
areas was loaned from co-operative societies and commercial banks, their respective shares
being 18% and 57 %. The share of institutional agencies other than Co-operative societies/banks
and commercial banks was only 6% in rural and 9% in urban areas.
3.5.3 Non-institutional agencies: Among the non-institutional credit agencies, professional
moneylenders was found to be the most important source of finance in rural areas, followed by
relative and friends; their respective shares being 28.2 % and 8.0 %. The share of agricultural
moneylender was 5% of the cash dues of rural households. In urban areas, professional money
lenders with a share of 10.5 %, was the most important non-institutional credit agency, followed
by relatives and friends (4.2%).
3.6 Schemes of Lending
3.6.1 Statement 3.12 shows Number per thousand households reporting institutional cash loans
outstanding as on 30.06.12 by scheme of lending.
3.6.2 The discussion in the preceding section clearly brings out the predominance of institutional
agencies over non-institutional ones in terms of loans advanced to Indian households in general.
It could now be of interest to study how these cash loans were advanced by the institutional
agencies (IAG) to households. To this end, distribution of cash dues of rural and urban
households that arose from cash loans given by IAGs against various schemes of lending in 2012
is examined as follows.
3.6.3 The percentage share of household cash dues arising out of loans advanced by IAGs under
a number of individual schemes of lending do not show any appreciable value. In 2012, in rural
as well as in urban India, it is seen that certain specific programmes/schemes such as
‘Differential Rate of Interest (DRI)’, ‘Prime Minister’s Rozgar Yojana (PMRY)’,
‘Swarnajayanti Gramin Swarozgar Yojana (SGSY)’, ‘Swarna Jayanti Sahari Rozgar Yojana
(SJSRY)’, ‘Advances to Minority Communities’ and various ‘self-employment’ schemes had not
become significant means of disbursal of loans to households. The individual percentage shares
of these schemes were very negligible at the national level. The scheme of lending, however,
could not be identified through this schedule as most of the respondents reported ‘other scheme’
(please see block 14,Schedule 18.2 in appendix C). In rural area however, ‘crop loan’ and ‘loan

through ‘Kisan Credit card’ were identified as important among the list of codes specified in the
schedule.
Statement 3.12: Number per thousand households reporting institutional
cash loans outstanding as on 30.06.12 by scheme of lending
number (per 1000) hhs

scheme of lending reporting cash loan
rural urban
(1) (2) (3)
DRI 7 10
PMRY 1 0
SGSY 4 1
SJSRY 0 1
advances to minority communities 0 2
liberalization and rehab. of scavengers 0 0
exclusive state schemes 7 5
other schemes 85 116
kisan credit card 29 2
crop loan 34 4
not covered under any scheme 15 14
all 172 148
3.7 Payment of Interest

3.7.1 This is none of the important part of every loan taken, but can explain many issues of
indebtedness as a whole. Two factors, terms of payment of interest and secondly, the actual rate
of interest (henceforth referred to as ROI, in brief), together largely explain the interest burden
borne by the indebted households. Six statements involving terms of interest (e.g. interest free,
simple interest, compound interest, and concessional interest) as well as rate of interest are
presented below in this sub-section to understand this interconnected issue more cohesively.
3.7.2 Loans on different terms of payment of interest are categorised by terms of interest
(referred to briefly as TOI subsequently) charged on loans incurred by them. There are four such
categories: first, interest free; secondly, simple interest; thirdly, compound interest and finally,
concessional rate of interest. Obviously, to understand the burden of interest, the actual ROI
should also be examined along with the TOI of the loan, since the actual interest amount due
from a household would differ according to interest terms.

Fig. 3.4: Incidence of indebtedness (IOI) of households by terms of interest: 2002, 2012
21
18
interest-free
interest
15
simple
12
compound
9
concessional
6
0
2002 2012 2002 2012
rural urban
3.7.3 Statement 3.13a shows the IOI by termterms of interest and also, that obtained from the earlier
th
surveys of AIDIS i.e. 59 Round. The statement shows that on 30. 30.06.2012,
6.2012, indebtedness
ind (one
household may have more than one loan with different terms of interest) with simple interest was wa
predominant for both rural (20.3%) and urban (13.4%) households. The relative position, of
‘terms of interest’, was found to be the same as that was in 2002. The category ‘concessional’ (as
in the round) is the least - a tiny 1.3% in rural and 0.5% in urban. On the other hand, IOI for
‘interest-free loans’ (mainly taken from friends and relatives
relatives) was quite significant - with 6.5%
in the rural and 4.4% in the urban
urban.
Statement 3.13a: Incidence of indebtedness (IOI) of households by

terms of interest: 2002, 2012
incidence of indebtedness (%)
terms of interest rural urban
2002 2012 2002 2012
(1) (2) (3) (4) (5)
interest-free 4.6 6.5 4.7 4.4
simple 17.7 20.3 11.3 13.4
compound 5.2 6.3 2.4 5.9
concessional 0.6 1.3 0.4 0.5
3.7.4 Categories of TOI: Statement 3.13b shows the percentage share of the aggregate amount
of debt as on 30.06.20122 by term of interest and also, that obtained from the earlier surveys of
AIDIS. The statement shows that on 30.6.2012, the percentage share of the aggregate amount of
debt (henceforth to be referred, in brief, as PSAOD) for the category ‘concessional’ was the least
- a tiny 1% in rural sector to 3%% in urban sector.. The corresponding PSAOD for the category
‘interest free loans’ was better - with 5% in the rural and 8% in the urban. Shares of debt

incurred for loans taken on ‘simple interest’ and ‘compound interest’ were 52% and 43% in the
rural, respectively. The corresponding numbers were 61% and 28% in the urban.
Statement 3.13b: Percentage distribution of amount of cash debt by terms of

interest for different AIDIS years
% distribution of cash dues in

terms of
rural urban
interest
1981 1991 2002 2012 1981 1991 2002 2012
(1) (2) (3) (4) (5) (6) (7) (8) (9)
interest free 12 9 8 5 19 17 10 8
simple 69 66 69 52 68 60 69 61
compound 11 22 21 43 6 17 17 28
concessional 2 4 2 1 3 5 3 3
all 100 100 100 100 100 100 100 100
3.7.5 Changes in TOI: The percentage share of cash due for ‘compound rate’ of interest,
although a much higher share of debt had to be serviced on 30.6.91as compared to 30.06.81,
remained stable during the decade ending with 2002. But during 2012 it was recorded as double
(43%) in rural areas and about 1.6 times (28%) in urban.
3.7.6 However, percentage share obtained ‘interest free’ is seen to have decreased marginally
both in the rural and urban areas. In the case for loans taken on ‘simple interest’; percentage
share obtained on simple interest declined between 1981 and 1991, but increased between 1991
and 2002 and again decreased between 2002 and 2012 in both rural and urban sector.
3.7.7 Statement 3.13c shows No. of households reporting cash loan outstanding and per Rs.
1000 break-up of outstanding amount of cash loan by both nature of interest as well as rate of
interest. Rates of interests are grouped into i). interest free (0%), ii). less than 6%, iii). 6% to
10%, iv). 10% to 12%, v).12% to 15%, vi). 15% to 20%, vii). 20% to 25% , viii). 25% to 30%
and ix). more than 30%.
3.7.8 In spite of growing institutional sources, the rapid increase in the share of indebtedness in
terms of ‘compound interest’, especially in rural areas during the last decade is evident here.
Reading this along with the highest share of loans in terms of simple interest in the range of 20-
25% (as evident from statement 3.13c) shows, the simple interest is really not low interest.
Either way rural interest rates are on the high and rising side.

Statement 3.13c: No. of households reporting cash loan outstanding and per Rs. 1000 break-
up of outstanding amount of cash loan by nature of interest and rate of interest
rural urban
nature of rate of per 1000
per Rs. 1000 per 1000 no. of per Rs. 1000 of
interest interest no. of hhs
of outstanding hhs with cash outstanding cash
with cash
cash loan loan outs. loan
loan outs.
(1) (2) (3) (4) (5) (6)
interest-free nil 65 84 44 45
<6 20 33 5 6
6-10 37 83 18 60
10-12 14 39 21 135
12-15 40 132 43 178
simple 15-20 12 44 13 44
20-25 50 143 28 47
25-30 2 3 2 2
≥ 30 64 131 29 45
all 203 608 134 517
<6 5 10 2 6
6-10 18 46 11 61
10-12 8 35 19 216
12-15 17 122 20 122
compound 15-20 4 22 5 15
20-25 7 18 3 6
25-30 0 0 0 0
≥ 30 9 23 3 4
all 63 277 59 430
<6 4 7 3 2
6-10 7 18 1 3
10-12 0 2 0 1
12-15 1 3 1 1
concessional 15-20 0 0 0 0
20-25 0 0 0 0
25-30 0 0 0 0
≥ 30 1 1 0 0
all 13 31 5 8
nil 65 85 44 45
<6 29 50 10 14
6-10 61 147 30 124
10-12 22 75 40 353
12-15 58 257 63 300
all
15-20 16 66 18 59
20-25 57 161 32 53
25-30 2 3 2 2
≥ 30 74 156 32 50
all 314 1000 224 1000
Ref: Appendix Table 4 R/U

3.7.9 Different rates of interest and credit agency agency: Statement 3.14 gives the percentage
distribution of total amount of cash debt (TCD) outstanding on 30th June of 201220 by rate of
interest separately for institutional and non-institutional agencies.
Fig. 3.5R: Percentage distribution of outstanding cash debt by rate of Fig. 3.5U: Percentage distribution of outstanding cash debt by rate of
interest for institutional and non-institutional
institutional credit agency: rural interest for institutional and non-institutional
institutional credit agency: urban
45 45
institutional
40 institutional Rural 40
35 35 Urban non- institutional
non- institutional
30 30
25 25
%
%
20 20
15 15
10 10
5 5
0 0
nil <6 6 - 10 10 - 12 12 - 15 15-20 20--25 25-30 >30 nil <6 6 - 10 10 - 12 12 - 15 15-20 20-25 25-30 >30
interest rate interest rate
3.7.10 It is revealed from statement 3.14a that about 8.5% of the rural TCD outstanding on
30.06.2012 was interest-free
free and in urban India the share was 4.5%. In the case of TCD from
non-institutional agencies, the interest
interest-free shares were comparatively higher – being 18% and
27% in rural and urban sector,, respectively
respectively. Compared to this, the interest-free
free shares of TCD
were only 0.8% and 0.4% for institutional agencies in rural and urban sector respectively.
Statement 3.14a: Percentage distribution of amount of outstanding cash debt by rate of
interest for institutional and non-institutional agencies: all-India
% distribution of outstanding cash debt
rate of
rural urban
interest
(1) (2) (3) (4) (5) (6) (7)
nil 0.8 18.3 8.5 0.4 27.0 4.5
<6 7.1 2.3 5.0 1.5 1.1 1.4
6 - 10 26.0 0.4 14.7 14.5 0.9 12.4
10 - 12 12.9 0.7 7.5 41.6 1.2 35.3
12 - 15 42.6 4.1 25.7 34.1 7.7 30.0
15-20 7.3 5.6 6.6 6.2 4.3 5.9
20-25 2.1 33.9 16.1 1.2 27.3 5.3
>25 1.1 34.7 15.9 0.6 30.5 5.2
all 100 100 100 100 100 100
Ref: Key Indicators of Debt and Investment
3.7.11 The institutional agencies played a significant role in providing credit to the households
with a moderate rate of interest (6% to 15%) for both rural and urban area.. It is observed that a
fairly high amount of TCD funded by the institutional agencies, about 89% % in the rural and 92%
9
in the urban, were provided at less than 15% interest rates. On the other hand, the non- non
institutional agencies provided a significant amo
amount
unt of its total loans to households at an interest

as high as 20% or above, the share of such loans to total was 69% in the rural and 58% in the
urban. Statement 3.14b shows percentage of households reporting cash loans outstanding as on
30.06.12 by credit agencies and positive (> 0) rate of interest. It is understood that only from
relatives and friends loan was taken free of interest.
Statement 3.14b: Percentage of households reporting cash loans outstanding as on 30.06.12 by credit
agencies and rate of interest : rural and urban
rate of interest (%)
credit agency
<6 6 - 10 10 - 12 12-15 15-20 20-25 25-30 >30
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Rural
Govt & bank 74.4 91.0 71.7 75.2 72.2 29.2 53.8 16.6
insurance, provident fund 0.4 0.5 1.4 0.3 0.5 0.0 0.0 0.8
financial institution* 0.4 1.2 4.7 2.2 12.9 8.2 8.9 17.1
SHG-bank linked & NBFC 23.7 7.0 21.0 21.3 11.1 51.7 28.1 37.2
other institutional agencies 1.2 0.3 1.1 1.1 3.2 10.9 9.2 28.3
institutional agencies 100 100 100 100 100 100 100 100
landlord, agricultural &
78.8 77.3 83.4 78.2 97.7 95.9 91.4 93.3
professional moneylender
input supplier 1.3 0.8 0.5 0.5 0.4 0.3 0.1 0.4
relatives and friends 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
doctor, lawyers & other
7.3 0.0 0.3 1.3 0.3 0.4 0.7 1.4
professional
others 12.6 21.9 15.8 20.0 1.6 3.4 7.8 4.9
non- institutional agencies 100 100 100 100 100 100 100 100
Urban
Govt & bank 68.3 83.4 88.1 81.5 76.6 18.6 15.5 7.8
insurance, provident fund 1.3 2.9 2.2 0.9 0.3 0.2 0.0 0.0
financial institution* 2.9 5.1 4.1 5.4 12.5 39.8 31.2 43.3
SHG-bank-linked & others 23.8 7.5 4.7 11.0 7.6 23.7 45.4 22.6
other inst. agencies 3.6 1.1 0.9 1.2 3.1 17.7 7.9 26.4
institutional agencies 100 100 100 100 100 100 100 100
landlord, agriculture &
71.8 69.5 70.3 88.9 92.5 96.0 82.7 93.6
professional moneylender
input supplier 0.0 0.2 1.2 1.0 1.9 0.3 1.1 0.2
relatives and friends 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
doctor, lawyers & other
2.6 0.6 3.5 0.7 0.3 0.2 0.0 0.6
professional
others 25.6 29.7 24.9 9.5 5.3 3.5 16.2 5.6
non- institutional agencies 100 100 100 100 100 100 100 100
*incl. financial corporation & companies
3.7.12 Among institutional agencies it is seen that both in rural and urban areas higher
percentages of household took loan at higher interest rate from Self Help Group (bank linked or

otherwise). For non-institutional agency it was landlord, agricultural & professional

moneylender.
3.7.13 Statement 3.14c shows percentage of households reporting cash loans outstanding as on
30.06.12 by duration of loan and rate of interest. It is seen that loans taken at higher interest rate
(>25%) are mostly of shorter duration in both rural and urban areas.
Statement 3.14c : Percentage of households reporting cash loans outstanding as on 30.06.12 by

duration of loan and rate of interest : rural and urban
duration rate of interest
(in years) nil <6 6 - 10 10 - 12 12-15 15-20 20-25 25-30 >30 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Rural
<1 52.1 55.6 55.9 43.5 49.5 53.3 51.8 84.2 57.1 53.2
1 to 2 18.9 16.3 14.5 23.8 18.9 19.9 24.7 8.7 20.9 19.7
2 to 3 12.4 12.1 10.8 14.4 12.1 7.9 10.3 2.1 10.6 11.2
3 to 4 5.4 5.8 6.1 5.2 6.4 4.9 4.7 1.1 4.7 5.4
4 to 5 4.2 4.4 4.0 4.7 4.5 3.9 4.1 3.0 2.5 3.9
5 to 10 5.9 4.2 7.2 6.1 6.8 7.3 3.8 0.5 3.3 5.3
> 10 1.1 1.5 1.5 2.3 2.0 2.8 0.5 0.3 0.7 1.3
all 100 100 100 100 100 100 100 100 100 100
Urban
<1 44.5 44.7 39.2 28.9 42.1 47.5 54.1 58.1 50.3 43.6
1 to 2 22.0 13.2 19.2 21.2 20.7 21.8 25.0 23.3 25.9 21.9
2 to 3 13.7 9.1 11.4 15.3 12.2 10.8 10.2 6.8 10.2 12.0
3 to 4 6.8 9.0 7.4 8.1 6.3 5.8 3.6 7.7 5.2 6.3
4 to 5 5.1 1.8 5.3 7.0 5.8 4.4 2.1 0.0 3.7 4.8
5 to 10 5.8 8.2 13.7 15.4 10.4 7.0 4.2 4.0 4.2 8.7
>10 1.9 14.1 3.8 4.0 2.6 2.7 0.8 0.1 0.5 2.7
all 100 100 100 100 100 100 100 100 100 100
3.8 Duration of Cash Dues

3.8.1 Changes during three decades: An analysis of the cash dues reported as outstanding for
varying periods of time for the previous rounds and the present one is attempted. Statement 3.15
gives the percentage distribution of total amount of cash debt as on 30th June of 1981, 1991 2002
and 2012 by duration of debt separately. About 65% of total amount of cash debt outstanding on
30.06.2012 among rural households and 52% of the same among urban households had been
contracted for a relatively shorter duration of less than 2 years and meager 2% for a period of 10
years or more for both the sectors. The distribution reveals a broad similarity between earlier
three rounds as regards the duration-specific percentage shares of cash dues. Between 1981 and
1991, the share of the cash dues outstanding for a long period of 5 years and above had declined
from 20% to 12% in rural and from 23% to 14% in urban. Thereafter the pattern is somewhat
similar.

Statement 3.15: Percentage distribution of cash dues outstanding by duration of debt for
different AIDIS years
duration of % distribution of cash dues outstanding

debt rural urban
(in years) 1981 1991 2002 2012 1981 1991 2002 2012
(1) (2) (3) (4) (5) (6) (7) (8) (9)
below 1 36 37 36 45 36 38 36 26
1-2 20 23 23 20 20 22 24 26
2-3 12 14 15 14 11 10 13 15
3-4 7 8 8 6 6 7 8 10
4-5 4 5 6 5 3 5 5 7
5-10 18 9 9 8 21 11 11 14
10 & above 2 3 4 2 2 3 3 2
all 100 100 100 100 100 100 100 100
3.8.2 Statement 3.16 shows percentage distribution of cash dues outstanding by duration of debt
(in years) both for rural and urban areas by asset holding class.
Statement 3.16: Percentage distribution of cash dues outstanding by duration of debt for
assets holding class: all-India
decile class of % distribution of cash dues outstanding by duration of debt (in years)
hh asset holding 1 1-2 2-3 3-4 4-5 5 - 10 ≥ 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Rural
1 43.7 20.4 14.4 8.8 4.4 7.4 0.8 100
2 43.6 18.1 9.0 15.2 3.4 9.3 1.4 100
3 44.2 19.7 12.6 5.2 6.2 10.1 2.1 100
4 45.3 25.6 12.0 5.4 3.5 5.5 2.7 100
5 45.3 24.4 11.7 3.4 6.9 7.2 1.1 100
6 47.0 20.3 14.1 4.2 5.6 7.2 1.6 100
7 43.3 21.0 21.2 7.1 2.3 3.3 1.8 100
8 43.9 21.4 14.7 6.4 4.1 7.0 2.6 100
9 48.7 18.7 10.7 8.7 6.1 5.6 1.5 100
10 44.6 19.0 13.3 5.3 4.6 11.9 1.3 100
all 45.3 20.2 13.5 6.3 4.8 8.3 1.6 100
Urban
1 24.4 19.3 15.4 9.9 4.4 18.2 8.4 100
2 42.9 23.2 16.2 6.8 4.0 5.6 1.4 100
3 48.7 19.3 11.8 6.5 5.8 7.2 0.7 100
4 36.2 30.3 14.2 7.9 3.6 6.8 1.0 100
5 37.2 16.3 12.2 9.6 12.2 9.4 3.0 100
6 39.4 20.8 14.6 8.8 4.9 8.5 2.8 100
7 35.2 22.1 15.0 6.8 6.8 11.8 2.4 100
8 32.7 27.9 14.7 10.8 2.9 9.6 1.5 100
9 23.8 26.2 17.1 9.5 6.6 13.1 3.6 100
10 18.7 28.2 15.3 10.2 7.9 18.2 1.4 100
all 25.5 26.4 15.3 9.6 6.8 14.3 2.0 100

3.8.3 Variation over asset holding class (decile classes): The distribution reveals a broad
similarity across the asset holding classes, in both rural and urban India. Loans which are due
for less than 3 years are predominant for both rural and urban areas. It is 79% in rural and around
67% in urban. Similar pattern prevails for all the decile classes both for rural and urban India.
3.9 Type of Loan
3.9.1 Loan by term: The classification of loans by their type, in fact, refers to the term for which
the loans were contracted. All loans, contracted for a period of 12 months or less, are called
‘short term’ loans. Such loans were taken sometimes against some pledge (of commodity) and
sometimes without it. ‘Medium term’ loans were contracted for duration of one to three years
and ‘long term’ loans for a period exceeding three years. Statement 3.17a gives the percentage of
indebted households by type of loan based on the survey data. Since any household could take
loans of different types, the percentages for different types are non-additive.
Statement 3.17a: Percentage of indebted households as on 30.06.2012 by type of loan

for each of major household type
% of indebted households as on 30.06.12 by type of loan as
major
short term medium long
household type all
pledged non-pledged any term term
(1) (2) (3) (4) (5) (6) (7)

Rural
cultivator 6.7 8.7 14.7 12.9 11.5 35.0
non-cultivator 2.8 5.7 8.3 11.2 8.5 25.6
all 5.2 7.6 12.3 12.2 10.3 31.4
Urban
self-employed 2.9 3.6 6.3 9.4 11.9 24.7
others 2.2 2.9 4.8 7.1 11.6 21.3
all 2.4 3.1 5.3 7.8 11.7 22.4
Ref: Appendix Table 19 a,b,c -R/U
3.9.2 Statement 3.17b gives the Average amount of cash loans (000) outstanding as on 30.06.02
for each major household type by type of loan based on the survey data.
3.9.3 However, going by the incidence, short-term and medium term borrowing appeared to be
prevalent than other types in the rural areas, with nearly 12% of all households opting for them,
whereas availing of long term loans were observed in 10% of the households. The corresponding
proportions of households under these three types of loan in the urban had been completely
different where long-term borrowing was highest 12%, followed by medium (8%) and short-
termed (5%) loan. Not much significant difference was found for the IOI between the two
occupational categories in the urban areas; but in rural areas it is found that cultivator households

had more short-term borrowings whereas medium term borrowing appeared to be prevalent
among non-cultivator households.
Statement 3.17b: Average amount of cash loans (` ‘000) outstanding as on 30.06.12 by

type of loan for each major household type
average amount of cash loans (` ‘000) due by type of loan as
major
short term medium long
household type all
pledged non-pledged any term term
(1) (2) (3) (4) (5) (6) (7)
rural
cultivator 89 61 77 91 136 110
non-cultivator 58 52 55 65 125 88
all 83 59 72 82 133 103
urban
self-employed 149 124 142 160 662 415
others 115 84 102 134 535 359
all 128 99 116 144 575 378
Ref: Appendix Table 20 a,b,c -R/U
3.9.4 Statement 3.17b, on the other hand gives the average amount outstanding debt (AOD) by
type of loan based on the survey data. It is seen from this statement that the AOD rose with the
higher term of loan, and for long-term borrowings highest amount of outstanding debt was
recorded for both rural and urban irrespective of major household type. However, it is seen that
in rural areas, the difference of AOD among cultivator and non-cultivator is least for this long-
term borrowing.
3.10 Type of Security

3.10.1 Loans against security: Some results relating to types of security on the basis of the
survey data are presented in Statement 3.18a & 3.18b.
3.10.2 Incidence: Type of security against which loans are advanced is an important constraint
that often forces the borrowers to take loans at higher rates of interest. It is seen from Statement
3.18a that both in rural and urban areas the highest percentage of households that were indebted
in 2012 had taken loans against personal security (20% in rural and 12% in urban) followed by
mortgage of immovable property (6% in rural and 5% in urban). All these percentages should be
viewed against the overall percentage of indebted households, viz. 31% in the rural and 22% in
the urban areas.

Statement 3.18a: Percentage of indebted households of cash dues outstanding as on 30.6.12 by type
of security
% of indebted households as on 30.06.12 in
rural urban
type of security
non- self-
cultivator all others all
cultivator employed
(1) (2) (3) (4) (5) (6) (7)
surety security or guarantee of third party 2.1 2.4 2.2 1.8 1.9 1.9
crop 1.5 0.1 1.0 0.2 0.1 0.1
first charge on immovable property 2.3 0.9 1.7 1.4 1.1 1.2
mortgage of immovable property 8.9 2.1 6.3 5.7 4.7 5.0
bullion/ornaments 2.6 2.8 2.6 3.6 3.0 3.2
share of companies, govt. securities,
0.1 0.2 0.2 0.3 0.5 0.4
insurance policies, etc.
agricultural commodities 0.2 0.0 0.1 0.0 0.0 0.0
movable property other than bullion,
0.5 0.3 0.4 1.4 0.8 1.0
ornaments, shares, etc.
other type of security 1.3 0.9 1.2 1.0 1.1 1.0
personal security 21.6 18.5 20.4 13.7 11.6 12.2
all 35.0 25.6 31.4 24.7 21.3 22.4
3.10.3 Percentage share: The estimates of percentage share of debt against different security
types is seen in Statement 3.18b.
Statement 3.18b: Percentage share of outstanding cash dues as on 30.6.12 by type

of security
% share of outstanding
type of security cash dues as on 30.06.12 in
rural urban
(1) (2) (3)
surety security or guarantee of third party 4.4 4.6
crop 1.8 6.0
first charge on immovable property 6.9 12.5
mortgage of immovable property 28.4 44.4
bullion/ornaments 7.3 5.0
share of companies, govt. securities, insurance policies, etc. 3.0 1.3
agricultural commodities 3.0 1.0
movable property other than bullion, ornaments, shares, etc. 2.0 3.7
other type of security 3.5 3.1
personal security 45.0 24.7
all 100 100
Ref: Appendix Table 15-R/U

3.10.4 In rural areas the highest percentage of households that were indebted in 2012 had taken
loans against personal security (45%) followed by mortgage of immovable property (28%). In
the urban areas, however, the order is reversed; the most prevalent security was mortgage of
immovable property (44%) followed by ‘personal security (25%). This may be appropriate to
note here that in rural areas, ‘use of ‘bullion and ornament’ as security for obtaining loan was
seen for 7% households till 2012. All these percent
percentages
ages should be viewed against the overall
percentage of indebted households, viz. 31
31% in the rural and 22% in the urban areas.
3.11 Debt According to Purpose
3.11.1 Purpose
urpose of Incurring Debt visvis-à-vis Household Assets: One of the important aspects of
a loan is the purpose for which it is taken. This is because the loans taken and utilised for
productive purposes such as capital or current expenditure in household enterprises (agricultural
or non-agricultural)
agricultural) can be expected to accelerate the economic activity of the households and
ultimately promote their economic welfare. Hence if a large number of households have taken
loans for productive purposes it is a sign of flourishing economic activity in the society. On the
other hand, purposes like meeting household expenditure may be considered as 'unproductive
purposes' as the money spent on them neither results in production of goods and services nor
brings any economic
conomic prosperity to the households. Such loans, if large or frequent, may lead to
perpetual debt and misery. Any study of indebtedness, therefore, would be incomplete
incom without
knowledge of the distribution of debt according to different purposes. The distribution,
d as
obtained from the survey data, is presented in Statement 3.19.
Fig. 3.6R: Percentage share of debt by broad purpose Fig. 3.6U: Percentage share of debt by broad
of loan for each asset holding class : rural purpose of loan for each asset holding class: urban
% share of debt in business % share of debt in non

non-business % share of debt in business % share of debt in non-business
non
45
55
62 63
77 72 76
82 81 79 84 84
85 89 86 86 85
92 91
99
56
45
38 37
23 28 24
18 19 21 16 16
15 11 14 14 15
8 9
1
1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 6 7 8 9 10
decile classes
3.11.2 In order to identify the pattern of purpose of incurring debt for households
holds with less value
of assets vis-à-vis the households with higher valued assets, Statement 3.19 is presented. With

the objective of condensing the results and focusing on the major features, purposes relating to
capital and current expenditures on farm or non-farm business have been clubbed together under
the term ‘business purposes’ while financial investment expenditure, expenditure on education,
expenditure on medical treatment, expenditure on housing, expenditure on litigation, repayment
of debt, etc. have been grouped under ‘non-business expenditure’.
3.11.3 Statement 3.19 shows that, households of the bottom decile class incurred a relatively
small part of their debt for productive purposes. In the rural sector, the percentage share of debt
for productive purposes is seen to vary from 11% to 56% among the decile classes. The
corresponding increase in urban area was from 1.2% in the lowest class to 24% in the top class.
Further, the percentage share of debt against 'non-business expenditure' is seen to decrease from
about 85% in the bottom class to about 44.5% in the top class in the rural and from 99% in
bottom class to 76% in the top class.
Statement 3.19: Percentage share of debt by broad purpose of loan for each asset
holding class: all-India
rural urban
decile
% share of debt in % share of debt in
class of % share of % share of
business business
hh asset debt in non- debt in non-
holding non- non-
farm all business farm all business
farm farm
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 9.4 6.0 15.4 84.6 0.1 1.1 1.2 98.8
2 7.7 3.7 11.4 88.6 1.2 6.8 8.0 92.0
3 8.1 5.5 13.6 86.4 0.4 18.8 19.2 80.8
4 13.2 4.6 17.8 82.2 2.9 10.7 13.6 86.4
5 16.7 6.1 22.8 77.2 2.6 18.4 21.0 79.0
6 20.2 7.4 27.6 72.4 2.8 13.6 16.4 83.6
7 32.6 5.8 38.4 61.6 3.4 11.5 14.9 85.1
8 31.1 5.6 36.7 63.3 3.0 12.8 15.8 84.2
9 37.2 7.4 44.6 55.4 1.6 7.4 9.0 91.0
10 34.3 21.2 55.5 44.5 2.1 21.9 24.0 76.0
all 28.6 11.4 40.0 60.0 2.2 16.1 18.3 81.7
3.11.3 Percentage share of debt according to purposes: Although fewer loans may be taken for
a particular purpose, the average amount of loans may be large enough to affect the importance
of that purpose, especially in the allocation of loan funds by the financial institutions. In this
respect, the percentage shares of debt by different purposes in the total volume of debt provide
a measure of their relative importance. The estimates of these percentage shares for rural and
urban sectors have also been presented in Statement 3.19.
3.11.4 In rural areas it is observed that among rural households, debt incurred for purposes of
‘household expenditure’ and ‘expenditure in farm business’ accounted for the highest portions

of the TCD viz. 60% and 29% respectively, with ‘expenditure on non-farm business’ coming
third with a share of 11 per cent. In urban areas it is observed that the situation was somewhat
different where ‘household expenditure’, ‘expenditure in non-farm business’ are seen to account
for the largest shares, viz. 82 per cent, 16 per cent, respectively, in the total debt incurred by
urban households.
3.11.5 Debt According to Purposes since 1981 In order to study the changes in the
distribution of cash debt by purposes during the period 1981 to 2012, the percentage shares of
cash dues by different purposes at different points of time, namely 30.6.1981, 30.6.1991,
30.6.2002 and 30.06.2012, as obtained AIDIS have been presented in Statements 3.20. The
category ‘productive purposes’ is obtained by merging the capital and current expenditures in
farm and non-farm business.
Statement 3.20: Percentage distribution of amount of cash dues by purpose for
different AIDISs
% distribution of amount of cash dues by purpose in
purpose of loan rural urban
1981 1991 2002 2012 1981 1991 2002 2012
(1) (3) (4) (5) (6) (7) (8) (9) (10)
productive purposes 69 23 53 40 42 17 25 18
farm business
capital expenditure 43 12 27 13 6 3 3 1
current expenditure 18 3 14 15 4 0 2 1
non-farm business
capital expenditure 7 6 9 9 23 11 17 8
current expenditure 2 2 3 3 8 4 3 8
other purposes 31 78 47 60 56 83 75 82
all purposes 100 100 100 100 100 100 100 100
3.11.6 Changes from earlier AIDISs: From the survey results, it appears that the most
prominent change in both the rural and urban areas occurred in the share of debt incurred for
productive purposes. The share of cash debt, in the rural, marked at 40 percentage point in 2012
after having considerable oscillation from 69 percentage in 1981 to 23 percentage point in 1991
and then, to 53 percentage point in 2002.
3.11.7 The movement in the share of the debt for productive purposes, in the urban, was from
42% in 1981 to 17% in 1991, and then to 25% in 2002 and finally has dropped to 18% in 2012.
This fall appears to stem from a higher portion of debt being incurred to meet non-productive
expenditure particularly for the purpose of household expenditure.
3.12 Size of debt
3.12.1 Size Distribution of Outstanding Cash Dues: The average cash dues outstanding per
household which was estimated as Rs. 32522 and Rs. 84625 respectively for the rural and urban

areas at the all-India level indicates the general level of indebtedness in the household sector. But
the percentage distribution of indebted households and of amounts of cash dues outstanding by
the size group of such dues reflects the debt borne by different groups of households.
3.12.2 Statement 3.21 shows the per 1000 no. of households reporting outstanding debt on
30.06.2012 as well as the share of debt over the size group of outstanding dues. This indicates
that the households reporting debt of small size (up to Rs.10000) accounted for about 1.1% and
0.2% of the total cash dues in the rural and urban areas respectively. It may be commented in
addition that the numerically small percentage of households, mainly in rural India, which
incurred large-sized debts accounted for a substantial share of the total cash dues. The
corresponding shares of households reporting debt of large size (Rs. 1,00,000 or more) were 65%
and 92% in the rural and urban areas, respectively. Similarly, shares of households reporting
debt of size (Rs. 4,00,000 or more) were 25% and 71% in the rural and urban areas, respectively
Statement 3.21: Per 1000 no. of household reporting outstanding cash loans and amount
of cash loan per Rs. 1000 of total outstanding loan by size class of outstanding loan
rural urban
size class per 1000 per 1000
of loan distribution
no. of hhs distribution no. of no. of hhs no. of
outstanding of total
with cash of total sample with cash sample
(Rs. 000) outstanding
loan outstanding household loan household
loan (1000)
outstanding loan (1000) outstanding
(1) (2) (3) (4) (5) (6) (7)
<4 17 1 1387 6 0 573
4-7 27 5 2125 12 1 957
7-10 20 5 1416 8 1 713
10-20 76 38 5690 31 6 2786
20-35 80 74 6132 39 14 3254
35-60 65 107 5203 39 24 3212
60-100 46 118 3461 32 32 2741
100-200 40 187 3332 44 79 3783
200-400 24 212 1952 36 131 3405
≥ 400 9 253 1000 42 713 3444
all 314 1000 25432 224 1000 20246
Ref: Appendix Table 17 & 18
3.12.3 Asset Holding and Size of Debt: All the ten size groups for size of debt and decile class
of asset holding of a household - were taken into consideration in Statement 3.22, where 10
decile classes are shown in the columns and 10 size class of debts are shown in rows.
3.12.4 Category-wise shares: Statement 3.22 shows that substantial differences in the values of
shares existed over decile classes, for almost each of these categories. In the rural areas, for the
lowest category viz. debt size less than Rs. 10,000, the shares are found to fall sharply over the
decile classes. This falling pattern is seen in the next categories (i.e. debt size between Rs.10 to
60 thousand) too, but the pattern gets virtually static in debt size class 60 to 200 thousand. In

contrast to this, a rising pattern is noticed in the share of debt over the decile classes for the top
two categories viz., debt size class Rs. 200 to 400 thousand and Rs. 400 thousand and above.
3.12.5 In the urban areas, lower size of the debt is less frequent even in the lower decile classes.
If the pattern of size of the debt vis-à-vis the decile class is analysed, it may be noted that in the
urban too, the falling in shares over decile classes is found in the first six debt size classes with a
likely static situation in the 7th and 8th size class.
Statement 3.22: Percentage distribution of amount of cash dues as on 30.6.12 by size of debt for each assets
holding class
% distribution of amount of cash dues as on 30.6.12 by size of debt in
size class of loan out-
decile class of asset holding
standing (Rs. 000)
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Rural
<4 0.6 0.8 0.5 0.4 0.2 0.2 0.1 0.1 0.0 0.0 0.1
4-7 1.6 1.9 1.5 1.4 0.9 0.8 0.5 0.4 0.2 0.1 0.5
7-10 2.4 2.6 1.3 1.3 0.9 0.8 0.6 0.4 0.2 0.1 0.5
10-20 12.1 13.7 9.9 7.7 6.9 6.2 4.1 3.6 2.4 0.6 3.8
20-35 14.8 13.4 14.5 15.1 15.7 13.2 9.2 7.5 5.5 2.1 7.4
35-60 22.0 17.5 13.2 13.9 18.8 13.6 15.1 13.4 11.1 4.3 10.7
60-100 14.8 21.3 15.0 15.9 14.8 18.3 13.8 15.2 12.6 5.8 11.8
100-200 17.7 14.2 22.2 20.5 23.2 25.0 19.6 20.5 23.7 13.0 18.7
200-400 9.8 13.6 12.7 18.0 14.9 12.6 25.7 21.4 26.0 23.5 21.2
≥ 400 4.2 0.9 9.2 5.9 3.7 9.4 11.2 17.4 18.3 50.6 25.3
all 100 100 100 100 100 100 100 100 100 100 100
Urban
<4 0.3 0.2 0.1 0.2 0.1 0.1 0.0 0.0 0.0 0.0 0.0
4-7 1.3 0.8 0.4 0.3 0.3 0.2 0.1 0.1 0.0 0.0 0.1
7-10 0.8 0.7 0.5 0.4 0.4 0.3 0.1 0.0 0.0 0.0 0.1
10-20 5.5 4.7 3.2 3.1 2.2 1.8 0.9 0.3 0.1 0.0 0.6
20-35 8.2 10.4 6.7 6.1 5.3 4.8 2.2 1.1 0.5 0.1 1.4
35-60 21.5 13.7 10.8 8.0 7.1 6.3 3.8 2.5 1.4 0.4 2.4
60-100 14.9 13.3 11.7 11.6 9.8 8.0 6.6 4.2 1.7 0.6 3.2
100-200 20.1 22.9 27.3 19.9 20.1 19.4 14.5 11.2 6.5 2.4 7.9
200-400 24.1 19.2 24.8 19.7 19.0 26.2 24.6 17.5 15.0 6.6 13.1
≥ 400 3.2 14.0 14.4 30.7 35.7 32.9 47.1 63.0 74.7 89.8 71.3
all 100 100 100 100 100 100 100 100 100 100 100

Appendix A
Detailed Tables
Appendix A A-1
Table 1-R: AVA, AOD, IOI and Debt-Asset ratio for rural India for each State/UT, major household types: Rural
Rural
cultivator non-cultivator all
States/UTs
AVA (`) AOD(`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Andhra Pradesh 683492 87777 62.8 12.8 195485 34739 47.1 17.8 411939 58263 54.1 14.1
Arunachal Pradesh 849006 3763 5.4 0.4 678718 5357 4.1 0.8 816195 4071 5.2 0.5
Assam 592939 4580 9.3 0.8 318799 6652 11.6 2.1 503499 5256 10.1 1.0
Bihar 764171 19672 31.4 2.6 262687 12077 26.0 4.6 548464 16405 29.1 3.0
Chhattisgarh 735873 11677 16.2 1.6 688296 6086 7.7 0.9 722860 10148 13.9 1.4
Delhi 16720715 6957 3.0 0.0 8252471 3439 3.4 0.0 11126311 4633 3.3 0.0
Goa 1845365 28161 15.5 1.5 928629 87599 17.2 9.4 1044089 80113 17.0 7.7
Gujarat 2565998 28667 30.1 1.1 376382 19187 17.5 5.1 1842843 25536 26.0 1.4
Haryana 7246039 64926 29.8 0.9 1018094 20126 15.8 2.0 4616859 46013 23.9 1.0
Himachal Pradesh 2361199 39504 29.0 1.7 960119 74888 14.4 7.8 2071601 46818 26.0 2.3
Jammu & Kashmir 2240648 12613 13.6 0.6 565832 13427 7.9 2.4 1976131 12741 12.7 0.6
Jharkhand 605382 7004 20.0 1.2 302422 3761 11.9 1.2 548988 6401 18.5 1.2
Karnataka 1106032 66127 51.8 6.0 387020 32495 39.6 8.4 790654 51375 46.4 6.5
Kerala 3552723 171581 53.5 4.8 1079795 98874 41.4 9.2 2730348 147402 49.5 5.4
Madhya Pradesh 1333840 26255 28.5 2.0 180385 9840 15.9 5.5 985249 21294 24.7 2.2
Maharashtra 1702425 43129 41.5 2.5 354726 21631 17.8 6.1 1123431 33893 31.3 3.0
Manipur 624050 5275 11.3 0.8 582719 4152 5.4 0.7 614259 5009 9.9 0.8
Meghalaya 584376 1697 2.9 0.3 868519 1474 1.2 0.2 646642 1648 2.5 0.3
Mizoram 330010 4206 3.9 1.3 594947 19084 13.3 3.2 369845 6443 5.3 1.7
Nagaland 1419857 2271 1.8 0.2 648460 924 0.6 0.1 1226813 1934 1.5 0.2
Odisha 317146 12480 29.7 3.9 215783 15780 18.4 7.3 281427 13643 25.7 4.8
Punjab 8851079 120889 38.8 1.4 1084707 24841 29.0 2.3 4295371 64548 33.1 1.5
Rajasthan 1201289 52150 40.6 4.3 541923 28483 24.5 5.3 1068880 47397 37.4 4.4
Contd.

A-2 Detailed Tables
Table 1-R: AVA, AOD, IOI and Debt-Asset ratio for rural India for each State/UT, major household types: Rural
Rural
States/UTs
AVA (`) AOD(`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Sikkim 791426 46896 6.2 5.9 536960 34186 8.7 6.4 699876 42323 7.1 6.0
Tamil Nadu 1163732 64298 49.6 5.5 363581 34163 33.5 9.4 672660 45803 39.7 6.8
Telangana 968388 68028 69.0 7.0 265534 31203 47.9 11.8 637509 50692 59.1 8.0
Tripura 397902 3636 12.0 0.9 196503 3705 8.6 1.9 278635 3677 10.0 1.3
Uttarakhand 1017120 26336 31.4 2.6 567512 62260 14.6 11.0 867938 38256 25.8 4.4
Uttar Pradesh 1255775 25805 32.2 2.1 414049 11616 21.8 2.8 1041901 22199 29.6 2.1
West Bengal 539357 14848 30.3 2.8 261952 7297 16.2 2.8 407297 11253 23.6 2.8
A & N Islands 923941 15483 20.0 1.7 358234 25832 14.4 7.2 693623 19696 17.7 2.8
Chandigarh 7609675 6338 3.1 0.1 1961346 6517 3.9 0.3 2636497 6495 3.8 0.2
Dadra & N. Haveli 2669348 5864 6.2 0.2 97580 1494 1.2 1.5 1954633 4649 4.8 0.2
Daman & Diu 960405 36388 20.3 3.8 611254 40589 14.9 6.6 727070 39196 16.7 5.4
Lakshadweep 2882688 11407 8.0 0.4 568695 9210 6.4 1.6 2406785 10955 7.7 0.5
Puducherry 27457672 59076 37.8 0.2 882124 74719 41.6 8.5 5660454 71907 40.9 1.3
all-India 1385632 38655 35.0 2.8 390536 22538 25.6 5.8 1006985 32522 31.4 3.2

Appendix A A-3
Table 1-U: AVA, AOD, IOI and Debt-Asset ratio for rural India for each State/UT, major household types: Urban
Urban
self-employed others all
States/UTs
AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Andhra Pradesh 1622628 184864 51.3 11.4 771410 79002 35.9 10.2 990821 106289 39.8 10.7
Arunachal Pradesh 610446 3742 8.4 0.6 828676 25491 15.1 3.1 793133 21949 14.0 2.8
Assam 2349863 42774 22.4 1.8 3055927 34281 15.6 1.1 2848416 36777 17.6 1.3
Bihar 1892503 28200 15.7 1.5 1227059 19066 12.1 1.6 1434693 21916 13.2 1.5
Chhattisgarh 2276881 49780 12.0 2.2 1063178 17266 11.6 1.6 1487957 28645 11.8 1.9
Delhi 3669744 24947 5.9 0.7 1984406 36554 5.4 1.8 2481554 33130 5.6 1.3
Goa 2399859 175999 13.9 7.3 2365478 89574 17.5 3.8 2372967 108399 16.7 4.6
Gujarat 2457434 78370 20.1 3.2 1415431 68450 19.1 4.8 1748175 71618 19.4 4.1
Haryana 6017531 171934 14.4 2.9 2882539 97615 11.9 3.4 3678210 116478 12.5 3.2
Himachal Pradesh 5155760 199660 22.7 3.9 2205834 81699 21.6 3.7 2978542 112598 21.9 3.8
Jammu & Kashmir 5271920 127623 28.1 2.4 2347122 65742 17.6 2.8 3356102 87089 21.2 2.6
Jharkhand 1318218 24050 17.6 1.8 825928 16134 9.1 2.0 972704 18494 11.6 1.9
Karnataka 2153367 151902 36.5 7.1 1138821 65526 22.9 5.8 1412451 88822 26.5 6.3
Kerala 6099469 288898 55.7 4.7 3331765 136126 44.0 4.1 4023711 174320 47.0 4.3
Madhya Pradesh 4359718 71016 18.7 1.6 1063878 49548 13.5 4.7 2191726 56894 15.3 2.6
Maharashtra 8988622 82073 19.7 0.9 2426828 106555 18.5 4.4 4337061 99428 18.9 2.3
Manipur 1185227 5952 6.9 0.5 1794357 9200 6.7 0.5 1493531 7596 6.8 0.5
Meghalaya 1521292 13092 4.8 0.9 2475319 16031 8.8 0.6 2224904 15259 7.7 0.7
Mizoram 1280994 10529 6.8 0.8 2544401 58150 21.4 2.3 2067778 40185 15.9 1.9
Nagaland 1334447 1925 2.0 0.1 2208246 7179 3.4 0.3 1932720 5522 3.0 0.3
Odisha 1020844 282864 19.2 27.7 659696 24936 18.4 3.8 786640 115598 18.7 14.7
Punjab 4255440 56612 19.8 1.3 1748752 44532 17.5 2.5 2638002 48818 18.3 1.9
Rajasthan 2229595 68862 23.7 3.1 1767805 45055 21.9 2.5 1943393 54107 22.6 2.8
Contd.

A-4 Detailed Tables
Table 1-U: AVA, AOD, IOI and Debt-Asset ratio for rural India for each State/UT, major household types: Urban
Urban
States/UTs
AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%) AVA (`) AOD (`) IOI (%) DAR (%)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Sikkim 1594098 47108 14.5 3.0 1700386 64802 9.1 3.8 1676966 60903 10.3 3.6
Tamil Nadu 2580754 157640 40.4 6.1 1338934 101162 32.7 7.6 1674056 116404 34.8 7.0
Telangana 2616479 272964 38.9 10.4 1503033 107693 26.8 7.2 1843466 158224 30.5 8.6
Tripura 730322 18938 15.8 2.6 639813 18512 11.2 2.9 668593 18647 12.7 2.8
Uttarakhand 3278658 78738 9.8 2.4 2100701 70940 19.2 3.4 2764654 75335 13.9 2.7
Uttar Pradesh 2235388 52118 17.2 2.3 1733209 111072 20.1 6.4 1937938 87038 18.9 4.5
West Bengal 3291368 35892 18.7 1.1 1221281 33427 12.6 2.7 1936885 34279 14.7 1.8
A & N Islands 984433 97110 39.5 9.9 895522 88167 28.7 9.8 910990 89723 30.6 9.8
Chandigarh 19611009 50262 10.4 0.3 4919120 64067 13.2 1.3 9425894 59833 12.3 0.6
Dadra & N. Haveli 3566608 214281 33.0 6.0 1204928 158608 13.6 13.2 1819477 173095 18.7 9.5
Daman & Diu 1241034 27489 8.4 2.2 309811 7797 7.1 2.5 469621 11176 7.3 2.4
Lakshadweep 4062626 106460 31.5 2.6 2311618 47200 28.9 2.0 2631170 58014 29.4 2.2
Puducherry 1573917 94869 46.9 6.0 1789643 84185 39.0 4.7 1744911 86400 40.6 5.0
all-India 3652782 102508 24.7 2.8 1660391 76456 21.3 4.6 2285135 84625 22.4 3.7

Appendix A A-5
Table 2R: Per 1000 number of household, no. of households reporting cash loan per 1000 household and
amount of cash loan per household as on 30.06.12 by household type
Rural
per 1000 no. of hhs avg. no. of households no. of
sample
household no.of reporting amount of
estimated hhs
type house- cash loan cash loan sample
(00) reporting
hold per 1000hh per hh (Rs.) cash loan
(1) (2) (3) (4) (5) (6) (7)
Andhra Pradesh
self-empl. in agri. 324 652 101098 28074 729 448
self-empl. in non-agri. 108 618 69053 9382 226 120
regular wage/salary
earnings 140 651 46141 12120 218 123
casual labour in agri. 209 494 31577 18119 540 251
casual labour in non-agri. 76 664 42593 6610 163 92
others 144 126 12533 12459 194 35
all 1000 541 58263 86763 2070 1069
Arunachal Pradesh
self-empl. in agri. 701 36 1872 1163 378 29
regular wage/salary
earnings 162 51 8480 269 106 12
others 30 409 26403 49 23 12
all 1000 52 4071 1659 560 63
Assam
self-empl. in agri. 445 107 4748 23339 1450 349
regular wage/salary
earnings 160 132 12038 8383 464 155
others 39 126 2854 2052 91 22
all 1000 101 5256 52495 2982 719
Bihar
self-empl. in agri. 358 278 18009 50371 1755 894
regular wage/salary
earnings 57 203 10100 8037 175 68
others 102 287 12372 14385 303 103
all 1000 291 16405 140611 3671 1659
Chhattisgarh
self-empl. in agri. 582 149 7200 21802 778 190
regular wage/salary
earnings 101 85 3463 3789 84 25
others 51 30 2025 1906 32 6
all 1000 139 10148 37472 1147 290

A-6 Detailed Tables
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Delhi
self-empl. in agri. 161 54 8889 107 18 8
regular wage/salary
earnings 476 28 4952 315 52 16
others 101 0 0 67 3 0
all 1000 33 4633 661 107 37
Goa
self-empl. in agri. 96 87 4795 96 19 8
regular wage/salary
earnings 530 184 101553 531 83 47
others 154 78 23066 155 22 9
all 1000 170 80113 1003 168 94
Gujarat
self-empl. in agri. 534 312 30987 31374 1364 699
regular wage/salary
earnings 125 175 26520 7362 223 101
others 22 181 10052 1294 43 9
all 1000 260 25536 58719 2302 1066
Haryana
self-empl. in agri. 464 288 74219 12005 538 246
regular wage/salary
earnings 180 147 18714 4665 143 54
others 71 141 40700 1824 45 19
all 1000 239 46013 25849 1037 464
Himachal Pradesh
self-empl. in agri. 369 250 37887 4886 428 209
regular wage/salary
earnings 253 281 47124 3356 268 136
others 49 111 27365 653 37 13
all 1000 260 46818 13251 1111 572

Appendix A A-7
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Jammu & Kashmir
self-empl. in agri. 327 129 8487 4496 363 104
regular wage/salary
earnings 229 154 25781 3151 300 124
others 44 12 2091 600 38 4
all 1000 127 12741 13746 1242 382
Jharkhand
self-empl. in agri. 471 236 8585 17659 729 265
regular wage/salary
earnings 28 246 17438 1035 63 20
others 41 146 4635 1543 48 13
all 1000 185 6401 37520 1369 488
Karnataka
self-empl. in agri. 407 543 71596 31485 1135 644
regular wage/salary
earnings 102 401 56764 7862 220 106
others 46 80 7040 3526 82 14
all 1000 464 51375 77430 2340 1182
Kerala
self-empl. in agri. 155 537 158743 7963 336 187
regular wage/salary
earnings 176 485 154346 9058 345 190
others 124 337 82276 6352 260 108
all 1000 495 147402 51377 2167 1119
Madhya Pradesh
self-empl. in agri. 556 305 30402 47083 2236 902
regular wage/salary
earnings 44 265 26573 3747 153 57
others 33 95 5018 2787 60 13
all 1000 247 21294 84666 3428 1254

A-8 Detailed Tables
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Maharashtra
self-empl. in agri. 457 443 47513 57253 2508 1369
regular wage/salary
earnings 76 290 37268 9521 365 160
others 58 51 2697 7312 124 18
all 1000 313 33893 125182 4589 2109
Manipur
self-empl. in agri. 521 119 4900 1345 724 114
regular wage/salary
earnings 182 71 8706 470 247 74
others 15 6 666 38 19 3
all 1000 99 5009 2584 1328 258
Meghalaya
self-empl. in agri. 460 24 666 2171 413 39
regular wage/salary
earnings 155 49 6491 730 180 50
others 27 24 580 129 19 3
all 1000 25 1648 4721 930 123
Mizoram
self-empl. in agri. 749 22 1060 702 356 48
regular wage/salary
earnings 131 217 40903 123 169 93
others 2 39 3012 2 3 1
all 1000 53 6443 936 604 165
Nagaland
self-empl. in agri. 457 7 324 1885 292 30
regular wage/salary
earnings 322 27 5080 1328 193 71
others 97 5 225 402 28 9
all 1000 15 1934 4128 616 128

Appendix A A-9
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Odisha
self-empl. in agri. 359 322 13084 28032 1254 535
regular wage/salary
earnings 84 238 18030 6576 248 102
others 89 144 23642 6929 179 42
all 1000 257 13643 78086 2954 1119
Punjab
self-empl. in agri. 268 399 164491 7390 477 242
regular wage/salary
earnings 196 295 41054 5399 195 91
others 69 227 31432 1894 64 25
all 1000 331 64548 27552 1270 636
Rajasthan
self-empl. in agri. 527 394 53722 43600 1743 815
regular wage/salary
earnings 72 318 45342 5984 229 101
others 34 223 12267 2818 91 21
all 1000 374 47397 82720 2933 1312
Sikkim
self-empl. in agri. 415 29 2249 478 181 43
regular wage/salary
earnings 352 141 109802 404 256 141
others 31 21 1703 36 12 2
all 1000 71 42323 1150 548 221
Tamil Nadu
self-empl. in agri. 243 487 67258 22736 955 448
regular wage/salary
earnings 155 403 57216 14496 490 220
others 94 74 7391 8764 243 33
all 1000 397 45803 93607 3429 1446

A-10 Detailed Tables
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Telangana
self-empl. in agri. 463 694 68485 22834 652 397
regular wage/salary
earnings 71 687 32063 3517 89 45
others 70 164 13696 3461 97 17
all 1000 591 50692 49309 1344 699
Tripura
self-empl. in agri. 286 135 3198 1895 449 147
regular wage/salary
earnings 124 122 12373 823 259 108
others 25 151 3693 166 43 18
all 1000 100 3677 6635 1456 430
Uttarakhand
self-empl. in agri. 522 324 26616 8612 323 150
regular wage/salary
earnings 62 337 309013 1024 55 22
others 199 97 2300 3290 24 3
all 1000 258 38256 16498 523 224
Uttar Pradesh
self-empl. in agri. 582 314 27984 140452 5445 2858
regular wage/salary
earnings 72 270 22803 17321 500 209
others 43 218 11254 10458 298 87
all 1000 296 22199 241304 8587 4156
West Bengal
self-empl. in agri. 273 299 14320 38550 1570 598
regular wage/salary
earnings 111 167 14868 15749 440 156
others 85 94 5528 12079 239 59
all 1000 236 11253 141359 4527 1622

Appendix A A-11
Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
A & N Island
self-empl. in agri. 299 115 5522 160 79 24
regular wage/salary
earnings 336 174 26071 180 85 37
others 42 160 43282 23 10 6
all 1000 177 19696 535 237 93
Chandigarh
self-empl. in agri. 85 44 10081 7 12 8
regular wage/salary
earnings 625 30 4117 54 56 19
others 16 80 398 1 3 1
all 1000 38 6495 86 112 44
D & N. Haveli
self-empl. in agri. 26 13 67 7 4 1
regular wage/salary
earnings 783 31 2929 214 69 29
others 12 0 0 3 2 0
all 1000 48 4649 274 112 48
Daman & Diu
self-empl. in agri. 237 42 2936 37 15 4
regular wage/salary
earnings 203 318 46218 32 66 30
others 91 0 0 14 5 0
all 1000 167 39195 158 112 47
Lakshadweep
self-empl. in agri. 86 68 3301 4 6 3
regular wage/salary
earnings 567 98 16750 26 68 26
others 0 0 0 0 0 0
all 1000 77 10955 46 111 39

Rural
sample
estimated hhs
(00) reporting
(1) (2) (3) (4) (5) (6) (7)
Puducherry
self-empl. in agri. 146 252 22100 189 10 4
regular wage/salary
earnings 449 412 61391 582 43 20
others 140 141 41529 182 11 1
all 1000 409 71907 1295 112 55
all-India
self-empl. in agri. 423 354 38888 660240 29724 13059
regular wage/salary
earnings 101 301 39617 158231 7199 3038
others 69 158 15001 107655 2795 729
all 1000 314 32522 1561387 62135 25432

Appendix A A-13
Table 2U: Per 1000 number of households, no. of households reporting cash loan per 1000
household and amount of cash loan per household as on 30.06.12 by household type
Urban
avg. no. of households no. of
no. of hhs
per 1000 amount of sample
household reporting
no. of cash loan estimated hhs
type cash loan sample
household per hh (00) reporting
per 1000 hh cash loan
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Andhra Pradesh
self-employed 258 513 184864 11980 648 350
regular wage/salaried 353 430 115421 16419 786 406
casual labour 168 566 45964 7807 396 216
others 221 87 45889 10270 268 45
all 1000 398 106289 46475 2098 1017
Arunachal Pradesh
self-employed 163 84 3742 90 79 14
casual labour 214 188 34762 119 85 22
others 95 51 8967 53 35 3
all 1000 140 21949 555 448 98
Assam
self-employed 294 224 42774 2616 311 92
casual labour 163 118 13764 1453 164 49
others 131 101 30501 1162 74 22
all 1000 176 36777 8900 947 323
Bihar
self-employed 312 157 28200 6634 505 209
casual labour 151 196 9611 3210 232 96
others 248 47 7767 5274 161 41
all 1000 132 21916 21261 1227 513
Chhattisgarh
self-employed 350 120 49780 4306 281 106
casual labour 261 87 2118 3206 150 32
others 59 31 4395 730 38 6
all 1000 118 28645 12302 784 262

Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Delhi
self-employed 295 59 24947 9895 657 136
casual labour 100 30 870 3366 155 17
others 82 6 2862 2739 131 6
all 1000 56 33130 33544 1955 382
Goa
self-employed 218 139 176001 349 35 18
casual labour 45 347 183137 72 9 5
others 168 129 50019 268 18 4
all 1000 167 108399 1601 168 76
Gujarat
self-employed 319 201 78370 17669 890 449
casual labour 96 149 14880 5310 234 86
others 68 47 6327 3740 97 23
all 1000 194 71618 55333 2215 1028
Haryana
self-employed 254 144 171934 6539 465 198
casual labour 84 186 16352 2157 118 46
others 352 3 1788 9058 54 8
all 1000 125 116478 25764 1047 431
Himachal Pradesh
self-employed 262 227 199659 616 120 78
casual labour 112 31 1564 264 24 10
others 104 109 35397 245 22 7
all 1000 219 112597 2350 334 186

Appendix A A-15
Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Jammu & Kashmir
self-employed 345 281 127623 1869 315 154
casual labour 208 54 6145 1127 145 38
others 56 21 5824 301 62 8
all 1000 212 87089 5417 947 397
Jharkhand
self-employed 298 176 24050 4301 331 142
casual labour 262 52 3268 3778 180 33
others 122 38 6225 1758 106 22
all 1000 116 18494 14424 936 325
Karnataka
self-employed 270 365 151902 15670 815 437
casual labour 153 272 24414 8870 445 183
others 161 58 23649 9378 158 31
all 1000 265 88822 58101 2344 1109
Kerala
self-employed 250 557 288898 6920 595 331
casual labour 247 504 74466 6844 669 379
others 202 263 98280 5604 344 125
all 1000 470 174320 27678 2232 1210
Madhya Pradesh
self-employed 342 187 71016 13441 1120 493
casual labour 206 117 7468 8082 430 118
others 109 45 9531 4293 137 27
all 1000 153 56894 39277 2665 1077

Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Maharashtra
self-employed 291 197 82073 32365 1526 663
casual labour 104 110 10045 11531 478 150
others 87 46 15082 9669 243 47
all 1000 189 99428 111176 4536 1946
Manipur
self-employed 494 69 5952 822 596 101
casual labour 35 113 1820 57 46 8
others 83 11 2556 138 77 7
all 1000 68 7596 1664 1117 233
Meghalaya
self-employed 262 48 13092 317 129 32
casual labour 145 64 6346 175 63 22
others 100 5 157 121 27 2
all 1000 77 15260 1208 504 168
Mizoram
self-employed 377 68 10529 339 218 44
casual labour 102 9 182 92 51 1
others 68 71 9648 61 32 5
all 1000 159 40185 900 672 259
Nagaland
self-employed 315 20 1925 294 103 15
casual labour 138 37 9049 128 75 17
others 81 22 3401 76 25 5
all 1000 30 5522 933 392 83

Appendix A A-17
Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Odisha
self-employed 352 192 282863 4859 439 184
casual labour 166 170 17732 2300 241 99
others 159 98 8059 2203 113 29
all 1000 187 115598 13824 1173 495
Punjab
self-employed 355 198 56612 9349 530 252
casual labour 117 191 12136 3073 153 68
others 69 62 11058 1810 61 19
all 1000 183 48818 26353 1286 612
Rajasthan
self-employed 380 237 68862 12323 851 389
casual labour 158 319 39712 5115 304 146
others 136 47 11289 4397 130 31
all 1000 226 54107 32409 1936 879
Sikkim
self-employed 220 145 47106 99 93 45
casual labour 47 38 6389 21 13 2
others 113 8 1700 51 26 3
all 1000 103 60903 451 335 159
Tamil Nadu
self-employed 270 404 157640 27001 1046 498
casual labour 189 384 43280 18882 740 318
others 165 132 46119 16500 396 101
all 1000 348 116404 100056 3413 1515

Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Telangana
self-employed 306 389 272964 10845 453 231
casual labour 104 364 25958 3692 190 91
others 164 84 22596 5805 121 34
all 1000 305 158224 35471 1310 639
Tripura
self-employed 318 158 18937 641 350 136
casual labour 201 101 5036 404 171 39
others 192 29 2673 386 96 14
all 1000 127 18647 2016 1008 391
Uttarakhand
self-employed 564 98 78738 3493 165 68
casual labour 127 74 11243 788 50 18
others 100 56 13079 620 63 24
all 1000 139 75335 6198 446 195
Uttar Pradesh
self-employed 408 172 52118 33388 2339 979
casual labour 140 211 12298 11441 736 329
others 84 80 18444 6848 325 100
all 1000 189 87038 81898 4956 2088
West Bengal
self-employed 346 187 35892 22107 1630 670
casual labour 158 124 16308 10092 644 200
others 116 28 4235 7433 274 57
all 1000 147 34279 63950 4175 1652

Appendix A A-19
Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
A & N Island
self-employed 174 395 97105 63 30 18
casual labour 113 51 8431 41 14 4
others 90 104 9226 33 8 2
all 1000 306 89723 362 165 84
Chandigarh
self-employed 307 104 50262 695 72 31
casual labour 70 236 109911 159 16 7
others 204 29 22681 462 27 6
all 1000 123 59833 2265 222 100
Dadra & N. Haveli

self-employed 260 330 214271 90 38 23
casual labour 78 16 694 27 7 1
others 38 0 0 13 2 0
all 1000 187 173095 346 112 47
Daman & Diu

self-employed 172 84 27490 137 27 10
casual labour 70 87 2914 56 13 5
others 30 68 66772 24 4 2
all 1000 73 11176 796 112 34
Lakshadweep
self-employed 182 315 106495 13 19 12
casual labour 173 179 10559 12 17 9
others 89 0 0 6 9 0
all 1000 294 58017 71 112 60

Urban
no. of hhs
household reporting
(Rs.)
(1) (2) (3) (4) (5) (6) (7)
Puducherry
self-employed 207 469 94869 398 84 49
casual labour 128 434 97862 246 44 23
others 182 100 17868 350 55 16
all 1000 406 86400 1921 336 173
all-India
self-employed 314 247 102508 262532 17905 7657
casual labour 148 245 24422 123997 7502 2887
others 134 75 24665 111878 3819 882
all 1000 224 84625 837249 48665 20246

Appendix A A-21
amount of cash loan per household as on 30.06.12 by household asset holding class
Rural
no. of households no. of households no. of

asset per 1000 avg. value of
sample hhs
no. of reporting cash loan cash loan per
holding class estd. (00) sample reporting
household per 1000 hh hh (Rs.)
cash loan
(1) (2) (4) (5) (6) (7) (8)
Andhra Pradesh
01 281 315 20986 24405 434 146
02 96 550 17389 8290 290 127
03 103 498 27163 8934 297 142
04 110 567 36578 9505 250 139
05 109 594 48825 9484 227 141
06 79 644 68791 6825 172 103
07 73 680 126801 6331 150 98
08 54 711 89907 4653 115 73
09 64 836 165613 5561 90 63
10 32 910 264380 2776 45 37
all 1000 541 58263 86763 2070 1069
Arunachal Pradesh
01 91 0 0 151 56 0
02 85 40 242 142 64 3
03 116 11 594 192 58 1
04 110 20 841 182 74 4
05 91 20 1050 151 48 2
06 94 27 4408 157 52 5
07 106 85 4663 176 64 11
08 125 93 2522 207 67 12
09 67 202 14608 111 41 15
10 115 54 13865 191 36 10
all 1000 52 4071 1659 560 63
Assam
01 103 100 1312 5420 227 34
02 102 109 1601 5369 297 55
03 115 108 2388 6023 343 73
04 98 108 1915 5120 321 70
05 132 107 2457 6932 370 87
06 149 75 5979 7836 334 87
07 110 66 6551 5761 336 76
08 103 79 6176 5398 373 97
09 66 159 20637 3477 294 97
10 22 222 25247 1161 87 43
all 1000 101 5256 52495 2982 719

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Bihar
01 100 297 14999 14052 316 122
02 198 290 13218 27814 519 202
03 127 285 8565 17861 395 148
04 104 279 12097 14589 375 164
05 98 322 20831 13838 381 172
06 88 226 8191 12357 345 160
07 81 304 18357 11384 334 149
08 101 273 19477 14251 353 168
09 76 327 24172 10652 408 225
10 27 368 69609 3812 245 149
all 1000 291 16405 140611 3671 1659
Chhattisgarh
01 88 49 756 3293 65 13
02 86 55 766 3235 79 16
03 102 73 909 3812 100 23
04 88 68 2359 3316 97 23
05 147 101 2802 5516 167 33
06 106 169 3854 3967 144 35
07 136 223 9160 5089 157 45
08 83 152 6896 3104 126 33
09 76 128 12101 2836 116 32
10 88 354 69886 3304 96 37
all 1000 139 10148 37472 1147 290
Delhi
01 186 3 102 123 13 2
02 1 0 0 0 1 0
03 0 0 0 0 0 0
04 0 0 0 0 0 0
05 0 0 0 0 1 0
06 5 1000 105448 3 2 2
07 3 0 0 2 2 0
08 37 152 7744 24 7 2
09 87 77 7492 58 14 7
10 681 22 4624 450 67 24
all 1000 33 4633 661 107 37

Appendix A A-23
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Goa
01 107 25 408 108 18 3
02 48 153 8200 48 6 4
03 55 49 1290 55 4 1
04 48 61 1598 49 8 4
05 28 382 24435 28 9 6
06 205 37 2657 206 16 7
07 103 115 23276 104 16 9
08 112 401 104120 112 21 11
09 216 218 89934 217 38 28
10 76 419 589338 76 32 21
all 1000 170 80113 1003 168 94
Gujarat
01 47 110 6626 2738 80 27
02 37 79 1903 2201 84 24
03 106 202 8118 6235 192 85
04 111 189 10389 6517 200 72
05 63 249 12203 3708 186 83
06 86 247 16163 5024 197 84
07 113 178 25201 6643 207 77
08 93 222 14627 5467 239 103
09 124 276 31539 7281 311 145
10 220 442 58532 12905 606 366
all 1000 260 25536 58719 2302 1066
Haryana
01 11 423 12817 274 17 6
02 23 133 9318 607 14 6
03 63 209 13983 1626 52 25
04 95 129 15763 2460 56 23
05 79 365 12855 2033 78 39
06 66 201 45251 1700 80 36
07 65 259 34980 1683 80 36
08 63 143 13981 1637 66 26
09 81 262 52570 2092 101 45
10 454 258 70201 11737 493 222
all 1000 239 46013 25849 1037 464

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Himachal Pradesh
01 134 159 5020 1771 93 30

02 15 93 1541 198 18 4
03 29 145 4670 385 25 10
04 55 198 7223 727 40 22
05 47 232 10914 623 48 22
06 67 261 13019 893 79 40
07 83 156 7954 1096 91 43
08 95 259 23023 1260 129 67
09 187 356 54062 2472 214 128
10 289 310 108277 3827 374 206
all 1000 260 46818 13251 1111 572
Jammu & Kashmir
01 65 1 66 900 18 1
02 5 0 0 71 12 0
03 19 10 143 258 16 2
04 31 34 2116 429 35 2
05 28 140 3889 380 51 16
06 82 49 1245 1128 81 15
07 90 106 14102 1235 91 27
08 101 131 12159 1390 151 42
09 281 119 7924 3860 331 96
10 298 205 25969 4095 456 181
all 1000 127 12741 13746 1242 382
Jharkhand
01 43 42 227 1628 34 6
02 98 42 1639 3669 92 16
03 96 154 2060 3617 158 56
04 227 146 3283 8499 236 73
05 157 235 4113 5903 196 78
06 120 215 5861 4520 177 68
07 112 241 6597 4187 176 74
08 57 388 15791 2146 135 54
09 42 330 20420 1574 103 44
10 47 108 30381 1777 62 19
all 1000 185 6401 37520 1369 488

Appendix A A-25
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Karnataka
01 71 163 8860 5492 130 43

02 64 242 12432 4968 137 52
03 70 378 29648 5446 179 66
04 101 375 20866 7837 234 105
05 120 476 36541 9284 292 146
06 148 597 44734 11427 328 184
07 120 506 59562 9313 331 172
08 120 515 67003 9327 293 160
09 103 631 117070 8011 247 152
10 82 480 90857 6326 169 102
all 1000 464 51375 77430 2340 1182
Kerala
01 80 182 29925 4120 159 52
02 7 306 20236 362 21 9
03 14 322 24650 734 35 10
04 26 363 44407 1327 80 31
05 41 374 51239 2084 116 52
06 52 359 36726 2659 135 67
07 90 555 53224 4642 200 106
08 123 530 72308 6332 271 149
09 199 600 98818 10212 448 257
10 368 532 288142 18903 702 386
all 1000 495 147402 51377 2167 1119
Madhya Pradesh
01 93 161 6898 7865 217 60
02 100 187 11517 8458 282 75
03 119 130 4694 10112 342 76
04 102 153 7265 8646 341 101
05 138 145 6230 11692 313 107
06 81 277 13920 6851 333 144
07 71 323 19459 6010 329 143
08 96 398 28512 8156 385 168
09 105 397 47425 8855 430 191
10 95 390 75221 8020 456 189
all 1000 247 21294 84666 3428 1254

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Maharashtra
01 101 68 1964 12620 316 63

02 99 110 6477 12402 339 95
03 109 248 24556 13630 369 129
04 82 166 8463 10244 383 147
05 73 259 11285 9134 369 167
06 78 360 28578 9748 398 184
07 84 370 27124 10500 473 238
08 108 404 43399 13492 527 266
09 132 482 50429 16498 687 376
10 135 513 96516 16912 728 444
all 1000 313 33893 125182 4589 2109
Manipur
01 26 199 1616 67 41 5
02 58 124 3758 151 86 15
03 137 117 5086 355 182 38
04 133 129 4588 345 205 42
05 109 84 3621 281 165 25
06 125 103 4200 322 176 30
07 139 112 7059 358 177 34
08 133 66 6501 344 143 36
09 105 49 5145 272 115 22
10 34 49 3899 89 38 11
all 1000 99 5009 2584 1328 258
Meghalaya
01 48 7 106 227 32 1
02 149 4 89 706 107 5
03 161 5 163 762 133 5
04 122 18 781 578 113 12
05 109 28 1686 514 120 15
06 103 36 2002 488 100 13
07 103 21 772 486 89 10
08 63 94 5637 299 80 19
09 92 46 4288 433 107 25
10 48 45 5945 229 49 18
all 1000 25 1648 4721 930 123

Appendix A A-27
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Mizoram
01 152 5 57 142 52 2
02 126 29 532 118 55 9
03 138 21 649 129 80 10
04 143 49 4522 134 92 19
05 106 88 7108 100 76 21
06 145 51 2860 136 79 22
07 96 80 6580 90 60 30
08 38 149 21698 35 50 27
09 34 208 60522 32 46 20
10 20 69 44843 19 14 5
all 1000 53 6443 936 604 165
Nagaland
01 86 4 244 354 6 1
02 0 0 0 1 1 0
03 7 0 0 28 5 0
04 25 0 0 104 22 0
05 31 5 1857 127 25 1
06 107 4 476 440 50 4
07 118 5 726 487 72 11
08 237 16 1238 979 142 24
09 307 21 3610 1269 226 65
10 82 40 3848 339 67 22
all 1000 15 1934 4128 616 128
Odisha
01 163 133 2669 12746 471 105
02 173 246 4298 13497 526 174
03 164 226 7536 12771 482 170
04 168 281 19187 13090 491 215
05 130 305 11562 10143 360 163
06 90 271 13465 7017 272 122
07 47 370 31016 3680 150 66
08 40 308 29410 3099 113 57
09 19 516 54991 1512 63 32
10 7 774 237164 530 26 15
all 1000 257 13643 78086 2954 1119

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Punjab
01 44 129 3988 1220 27 11
02 44 256 6443 1212 28 12
03 76 337 14082 2080 85 44
04 147 293 19298 4053 124 56
05 74 356 28896 2039 109 68
06 88 488 35254 2414 124 66
07 76 280 21417 2091 107 47
08 81 301 32156 2244 90 44
09 64 338 62062 1753 106 51
10 307 354 152545 8446 470 237
all 1000 331 64548 27552 1270 636
Rajasthan
01 41 356 16882 3379 99 23
02 63 226 16738 5172 152 54
03 60 372 43032 4964 198 73
04 86 281 28638 7102 252 92
05 107 322 24509 8882 290 125
06 120 449 49813 9948 344 176
07 132 337 38141 10958 343 172
08 161 439 54225 13325 405 209
09 121 450 75457 10035 450 222
10 108 374 83651 8956 400 166
all 1000 374 47397 82720 2933 1312
Sikkim
01 215 3 407 247 75 6
02 16 27 1584 19 12 2
03 57 208 47795 66 24 6
04 59 16 529 68 29 7
05 91 37 1412 105 41 11
06 149 29 1459 171 73 19
07 110 57 3921 127 65 21
08 137 51 6242 157 64 29
09 124 165 222504 142 82 55
10 42 361 241535 49 83 65
all 1000 71 42323 1150 548 221

Appendix A A-29
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Tamil Nadu
01 134 298 12767 12516 454 141
02 109 270 15323 10195 306 98
03 102 351 26617 9525 342 138
04 81 327 17214 7565 355 148
05 96 386 35966 8989 383 145
06 113 473 36378 10575 346 165
07 104 467 49218 9781 363 149
08 115 409 62052 10732 333 161
09 100 513 95122 9332 362 185
10 47 598 192068 4398 185 116
all 1000 397 45803 93607 3429 1446
Telangana
01 74 240 10585 3644 146 32
02 131 256 7505 6435 126 39
03 122 646 23807 6025 155 68
04 100 650 58091 4906 149 88
05 91 705 43211 4464 149 87
06 101 576 51275 4979 162 84
07 119 612 48873 5876 142 87
08 100 767 93134 4936 133 86
09 106 805 94907 5244 130 94
10 57 679 104126 2799 52 34
all 1000 591 50692 49309 1344 699
Tripura
01 99 37 426 657 104 19
02 202 59 1102 1338 261 50
03 229 114 2141 1523 332 80
04 153 98 3107 1013 225 80
05 122 160 5491 810 188 64
06 86 143 6528 571 162 66
07 62 67 4341 414 84 25
08 27 200 13419 182 55 24
09 15 121 34245 96 36 17
10 5 77 16663 31 9 5
all 1000 100 3677 6635 1456 430

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Uttarakhand
01 183 17 267 3014 21 6
02 45 134 14786 750 19 4
03 63 264 5101 1038 35 16
04 83 197 16348 1377 49 20
05 87 474 32106 1431 77 40
06 139 295 6730 2289 64 26
07 76 214 28496 1260 55 23
08 125 156 7562 2063 72 26
09 94 265 30335 1547 63 23
10 105 700 249645 1729 68 40
all 1000 258 38256 16498 523 224
Uttar Pradesh
01 57 158 5586 13667 364 97
02 64 239 7664 15560 457 163
03 74 262 10299 17738 558 216
04 85 304 13427 20502 683 299
05 89 272 12671 21518 720 337
06 108 291 15565 26092 920 455
07 135 246 9871 32456 971 475
08 126 354 22297 30405 1204 633
09 143 367 34651 34602 1472 813
10 119 336 63522 28765 1238 668
all 1000 296 22199 241304 8587 4156
West Bengal
01 132 189 6383 18690 570 165
02 163 155 4324 23100 736 220
03 142 234 8168 20019 685 227
04 113 255 8969 16008 583 213
05 112 276 11853 15831 537 209
06 108 207 6485 15249 424 156
07 97 252 14333 13723 349 143
08 70 353 29384 9958 329 144
09 40 370 25354 5690 223 99
10 22 290 46693 3092 91 46
all 1000 236 11253 141359 4527 1622

Appendix A A-31
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
A & N Islands
01 290 88 9630 155 55 12
02 56 524 31831 30 14 7
03 54 356 14132 29 21 6
04 32 338 19792 17 17 4
05 69 119 8490 37 20 9
06 45 119 10379 24 11 5
07 131 162 19051 70 28 15
08 161 128 19201 86 33 15
09 110 114 29897 59 20 10
10 52 467 72602 28 18 10
all 1000 177 19696 535 237 93
Chandigarh
01 414 3 89 36 35 3
02 92 0 0 8 6 0
03 115 11 57 10 4 1
04 54 0 0 5 4 0
05 14 9 1799 1 3 1
06 5 169 54276 0 4 3
07 14 0 0 1 1 0
08 3 138 2226 0 4 3
09 3 660 460238 0 7 4
10 286 113 16682 25 44 29
all 1000 38 6495 86 112 44
Dadra & N. Haveli
01 206 2 587 56 8 1
02 30 0 0 8 1 0
03 25 28 2507 7 2 1
04 26 27 133 7 5 1
05 8 429 9473 2 3 2
06 72 34 295 20 12 4
07 31 30 858 8 8 3
08 169 24 866 46 11 5
09 102 110 17098 28 21 13
10 332 73 7396 91 41 18
all 1000 48 4649 274 112 48

Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
Daman & Diu

01 16 48 2063 3 4 2
02 2 109 294 0 4 1
03 27 78 2917 4 11 5
04 103 261 14955 16 10 5
05 180 14 234 28 15 3
06 30 24 1410 5 9 3
07 155 169 39614 25 17 10
08 416 184 25984 66 19 8
09 50 257 23413 8 15 4
10 20 897 953769 3 8 6
all 1000 167 39195 158 112 47
Lakshadweep
01 82 0 0 4 1 0
02 4 1000 262063 0 1 1
03 82 0 0 4 1 0
04 2 0 0 0 4 0
05 12 106 3169 1 4 1
06 40 110 8199 2 6 2
07 116 56 3320 5 15 6
08 101 54 5467 5 14 2
09 278 75 17534 13 36 14
10 282 120 12839 13 29 13
all 1000 77 10955 46 111 39
Puducherry
01 304 130 20986 394 22 5
02 3 1000 89600 4 1 1
03 10 203 13212 13 3 1
04 6 410 21148 7 4 1
05 5 0 0 7 2 0
06 17 699 34641 22 9 7
07 58 645 26014 76 9 4
08 187 438 101024 242 26 12
09 222 553 112370 287 17 11
10 189 575 101584 245 19 13
all 1000 409 71907 1295 112 55

Appendix A A-33
Rural

sample hhs
cash loan
(1) (2) (4) (5) (6) (7) (8)
all-India
01 100 196 9705 156177 4780 1245
02 100 223 8819 156137 5154 1543
03 100 271 13811 156009 5903 1952
04 100 275 15673 156345 6146 2282
05 100 309 18800 156100 6139 2478
06 100 330 23441 156064 6220 2649
07 100 327 28770 156129 6142 2635
08 100 373 37662 156159 6578 2995
09 100 426 56658 156121 7470 3680
10 100 413 111884 156147 7603 3973
all 1000 314 32522 1561387 62135 25432

Table 3U: Per 1000 number of household, no. of households reporting cash loan per 1000 household and
Urban
no. of hhs avg. value of no. of households no. of sample
asset per 1000 no.
reporting cash cash loan per estd. hhs reporting
holding class of household sample
loan per 1000 hh hh (Rs.) (00) cash loan
(1) (2) (4) (5) (6) (7) (8)
Andhra Pradesh
01 200 91 4991 9304 252 62
02 120 409 33160 5570 285 130
03 148 442 33283 6892 346 164
04 121 556 87159 5630 316 176
05 97 459 57146 4521 230 111
06 87 475 100944 4030 204 112
07 77 504 134448 3591 160 87
08 51 460 182207 2349 109 61
09 57 551 409363 2635 118 74
10 42 452 682854 1953 78 40
all 1000 398 106289 46475 2098 1017

Arunachal Pradesh
01 35 57 477 20 13 1
02 55 0 0 31 18 0
03 93 5 893 52 39 2
04 186 92 4509 103 70 13
05 200 192 12218 111 76 23
06 180 138 33005 100 89 23
07 106 122 24508 59 57 12
08 110 274 61299 61 58 15
09 20 300 69268 11 19 6
10 14 574 135646 8 9 3
all 1000 140 21949 555 448 98

Assam
01 59 7 153 529 15 2
02 78 47 776 690 48 7
03 70 60 2579 619 77 17
04 119 84 3069 1055 132 32
05 110 173 6305 982 142 43
06 103 91 10855 917 131 30
07 105 322 90191 938 105 39
08 107 217 31812 951 131 57
09 99 243 88348 882 107 65
10 150 321 84502 1337 59 31
all 1000 176 36777 8900 947 323

Appendix A A-35
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Bihar
01 93 4 56 1970 39 4
02 58 62 1971 1227 34 8
03 66 234 9125 1413 115 48
04 150 140 6155 3194 200 71
05 148 64 3900 3154 181 55
06 92 199 26079 1948 165 75
07 158 148 16436 3353 134 67
08 82 197 56399 1744 133 66
09 79 143 54925 1675 107 56
10 74 182 77260 1583 119 63
all 1000 132 21916 21261 1227 513
Chhattisgarh
01 149 27 479 1831 60 8
02 90 128 8707 1112 48 17
03 118 60 3108 1447 71 13
04 71 180 5607 878 84 30
05 93 84 6881 1141 92 28
06 119 80 5580 1460 94 23
07 77 96 13789 948 81 31
08 94 267 89583 1151 86 39
09 118 119 37981 1448 81 32
10 72 255 163658 888 87 41
all 1000 118 28645 12302 784 262

Delhi
01 134 54 1748 4508 182 13
02 179 28 2741 6004 249 24
03 88 41 4281 2955 151 30
04 39 22 4481 1300 79 11
05 33 102 11004 1117 85 16
06 68 105 25109 2272 149 31
07 82 57 32652 2760 162 32
08 133 41 30497 4456 277 55
09 106 61 72595 3554 284 77
10 138 85 111563 4617 337 93
all 1000 56 33130 33544 1955 382

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Goa
01 54 0 0 86 7 0
02 60 18 367 96 5 1
03 33 93 32614 52 9 1
04 68 162 15583 109 17 9
05 54 69 61488 87 17 4
06 191 179 46873 305 25 11
07 244 213 105426 391 34 22
08 136 149 43701 218 18 9
09 49 181 75851 78 14 8
10 112 297 522888 179 22 11
all 1000 167 108399 1601 168 76

Gujarat
01 135 164 5808 7489 124 34
02 76 87 5942 4226 135 44
03 80 188 13086 4445 171 74
04 65 233 17845 3614 180 82
05 106 112 7121 5850 239 94
06 122 116 17143 6765 277 113
07 104 163 50416 5779 245 103
08 110 204 67519 6096 296 157
09 115 272 215293 6348 287 165
10 85 448 327155 4720 261 162
all 1000 194 71618 55333 2215 1028

Haryana
01 190 2 124 4884 35 5
02 163 13 1098 4199 44 10
03 87 71 7030 2241 48 15
04 49 119 15535 1275 76 26
05 50 153 29894 1290 85 35
06 76 209 48573 1949 110 39
07 60 315 69842 1548 112 55
08 83 156 47812 2135 143 58
09 57 279 85483 1479 136 69
10 185 212 522690 4765 258 119
all 1000 125 116478 25764 1047 431

Appendix A A-37
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Himachal Pradesh
01 23 6 586 55 5 1
02 175 57 3062 411 24 7
03 129 12 2060 304 21 3
04 54 76 14922 127 18 9
05 30 87 28510 71 15 9
06 21 230 55440 50 23 11
07 109 98 28706 257 39 23
08 63 488 108963 148 40 28
09 236 399 167642 555 66 38
10 159 377 373339 374 83 57
all 1000 219 112597 2350 334 186
Jammu & Kashmir
01 146 21 928 793 49 1
02 46 68 320 249 19 2
03 12 78 1542 63 15 4
04 52 22 1088 281 29 6
05 25 215 12549 135 59 16
06 85 130 11141 459 115 41
07 144 353 36256 780 128 58
08 126 170 26025 680 147 75
09 182 382 169863 984 185 102
10 183 251 252249 994 201 92
all 1000 212 87089 5417 947 397

Jharkhand
01 85 27 2335 1229 47 2
02 34 20 2615 496 40 3
03 98 52 1840 1410 51 14
04 183 55 1888 2647 152 28
05 162 89 11947 2334 139 46
06 135 169 22046 1941 136 47
07 126 245 39241 1821 126 57
08 101 128 37636 1458 117 53
09 52 178 44509 752 79 46
10 23 331 72997 336 49 29
all 1000 116 18494 14424 936 325

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Karnataka
01 81 54 5205 4735 105 22
02 149 166 11202 8660 218 78
03 178 211 22748 10333 332 132
04 106 242 36940 6171 309 135
05 88 341 51384 5104 281 145
06 77 304 63870 4483 263 129
07 75 286 83303 4371 200 91
08 77 452 159745 4481 223 137
09 91 369 262186 5285 204 116
10 77 384 348805 4478 209 124
all 1000 265 88822 58101 2344 1109

Kerala
01 46 144 24101 1280 76 23
02 39 352 40872 1076 101 42
03 44 299 24825 1209 91 49
04 39 445 45115 1089 101 50
05 49 492 64124 1343 137 73
06 86 516 91275 2385 246 134
07 126 523 91718 3492 296 173
08 147 505 113022 4060 341 192
09 202 553 215177 5583 401 235
10 223 444 387410 6160 442 239
all 1000 470 174320 27678 2232 1210

Madhya Pradesh
01 73 62 2700 2855 132 33
02 82 49 1734 3212 161 34
03 88 110 8820 3442 228 70
04 146 150 8868 5730 365 119
05 141 111 22847 5522 307 100
06 96 179 21490 3755 310 125
07 102 188 38414 3998 319 157
08 97 159 50918 3791 301 137
09 96 254 239729 3785 290 158
10 81 262 213163 3187 252 144
all 1000 153 56894 39277 2665 1077

Appendix A A-39
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Maharashtra
01 96 66 2400 10695 243 46
02 83 67 5601 9225 299 73
03 86 114 9937 9540 356 119
04 84 199 42157 9335 429 152
05 90 174 18429 9983 447 176
06 81 205 37439 9055 459 214
07 111 199 37941 12385 435 192
08 112 208 68271 12418 529 275
09 111 278 136718 12293 575 295
10 146 285 428785 16248 764 404
all 1000 189 99428 111176 4536 1946
Manipur
01 23 0 0 37 15 0
02 23 0 0 38 18 0
03 22 238 5924 37 39 12
04 74 155 11777 123 101 26
05 164 81 4463 273 183 30
06 192 47 2510 319 241 33
07 197 47 4205 328 219 38
08 148 41 5802 247 156 35
09 117 61 15925 194 85 30
10 40 164 45770 67 60 29
all 1000 68 7596 1664 1117 233

Meghalaya
01 68 0 0 82 15 0
02 94 13 342 114 34 3
03 151 44 4332 183 66 13
04 134 88 10410 162 72 25
05 119 112 20067 144 71 27
06 87 166 21315 105 68 29
07 86 119 23049 104 60 26
08 38 242 76565 46 30 18
09 103 51 13444 125 45 16
10 118 42 22515 142 43 11
all 1000 77 15260 1208 504 168

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Mizoram
01 44 0 0 40 20 0
02 41 8 118 37 20 1
03 36 102 7339 33 21 6
04 117 101 10811 106 72 16
05 167 43 4369 150 80 11
06 115 170 21436 103 99 35
07 148 190 36140 133 119 53
08 145 167 39606 130 106 50
09 98 331 80379 88 76 47
10 89 357 185707 80 59 40
all 1000 159 40185 900 672 259

Nagaland
01 7 0 0 6 2 0
02 10 0 0 10 6 0
03 23 12 2126 21 7 1
04 44 16 2982 41 16 3
05 130 13 778 122 36 4
06 141 26 4745 132 84 13
07 219 55 8946 204 101 30
08 218 30 5144 203 76 20
09 142 15 4954 132 45 6
10 67 37 11835 63 19 6
all 1000 30 5522 933 392 83

Odisha
01 68 21 451 938 44 4
02 145 70 2576 1999 110 25
03 152 191 12783 2106 186 74
04 153 184 13442 2115 222 88
05 150 257 30596 2073 201 95
06 102 197 15200 1405 133 63
07 108 210 33642 1496 114 59
08 70 333 66553 968 88 50
09 33 182 71721 454 47 20
10 20 395 4840472 270 28 17
all 1000 187 115598 13824 1173 495

Appendix A A-41
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Punjab
01 58 33 1580 1534 38 4
02 95 28 1139 2491 52 12
03 62 116 8324 1630 62 26
04 85 233 10553 2244 130 51
05 107 163 12199 2812 152 73
06 136 240 21584 3581 166 73
07 122 177 42741 3219 157 77
08 79 273 90592 2070 152 89
09 150 220 69787 3946 175 95
10 107 236 188161 2827 202 112
all 1000 183 48818 26353 1286 612
Rajasthan
01 102 211 9219 3320 108 23
02 61 75 7933 1962 89 25
03 64 175 38005 2077 101 39
04 65 318 49857 2120 163 77
05 100 244 33411 3242 239 115
06 116 215 33930 3772 277 123
07 142 228 44032 4593 293 132
08 139 254 64756 4513 270 144
09 120 265 99363 3880 228 116
10 90 205 138720 2930 168 85
all 1000 226 54107 32409 1936 879

Sikkim
01 186 7 159 84 37 2
02 272 42 2575 123 46 9
03 134 43 5690 61 39 11
04 102 84 17719 46 35 11
05 62 67 15713 28 19 8
06 30 100 70254 14 15 8
07 47 113 51551 21 18 9
08 51 304 152883 23 33 25
09 51 422 303677 23 42 32
10 64 408 451607 29 51 44
all 1000 103 60903 451 335 159

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Tamil Nadu
01 117 142 12796 11754 280 72
02 141 245 22227 14156 443 162
03 139 326 40164 13911 499 223
04 105 376 51698 10462 396 166
05 84 368 74988 8416 349 155
06 87 378 58824 8742 360 161
07 73 454 137599 7284 293 142
08 71 456 230332 7108 257 135
09 90 436 238362 9023 283 153
10 92 468 450745 9200 253 146
all 1000 348 116404 100056 3413 1515

Telangana
01 137 203 11781 4847 122 44
02 86 325 32354 3039 139 62
03 117 224 29061 4135 166 72
04 96 431 36767 3406 172 83
05 85 437 54617 3000 159 86
06 100 273 45704 3548 146 72
07 62 266 63635 2211 109 53
08 139 296 129481 4928 120 61
09 93 301 257218 3286 112 69
10 87 371 1062205 3070 65 37
all 1000 305 158224 35471 1310 639

Tripura
01 82 2 75 166 37 1
02 59 30 1679 119 40 7
03 138 92 2028 279 119 29
04 264 122 4663 533 262 75
05 108 146 10098 218 136 55
06 134 135 14657 270 135 57
07 96 118 18701 193 96 42
08 71 253 62784 143 91 60
09 38 308 122204 78 65 46
10 9 524 350825 17 27 19
all 1000 127 18647 2016 1008 391

Appendix A A-43
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Uttarakhand
01 27 55 3800 166 14 2
02 87 25 916 537 27 3
03 60 220 10448 369 30 13
04 37 33 3259 228 29 10
05 90 58 17360 555 49 17
06 102 51 6695 631 52 20
07 151 85 5699 939 72 27
08 141 155 23210 876 62 28
09 77 242 196678 477 61 43
10 229 250 230979 1419 50 32
all 1000 139 75335 6198 446 195
Uttar Pradesh
01 51 91 5493 4160 170 58
02 65 169 13075 5290 260 91
03 65 160 15581 5329 298 102
04 122 208 14377 9955 634 273
05 148 166 15779 12160 765 329
06 139 179 21908 11393 755 310
07 111 153 30567 9109 609 258
08 117 165 71962 9552 578 244
09 98 213 139762 7988 520 243
10 85 370 615641 6962 367 180
all 1000 189 87038 81898 4956 2088

West Bengal
01 59 58 2661 3750 147 38
02 103 100 5844 6609 294 83
03 96 88 3259 6153 403 111
04 144 133 5613 9179 633 212
05 116 165 28046 7424 560 194
06 117 213 15563 7509 556 234
07 109 137 29528 6987 488 204
08 98 186 60810 6243 465 232
09 96 171 92326 6147 386 210
10 62 194 150267 3949 243 134
all 1000 147 34279 63950 4175 1652

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
A & N Islands
01 101 135 11090 37 22 9
02 47 358 63065 17 14 7
03 226 362 30765 82 29 15
04 143 168 19608 52 21 7
05 86 205 61795 31 12 5
06 137 282 107377 49 19 11
07 61 510 46009 22 12 6
08 101 267 73040 37 15 9
09 67 583 554345 24 14 10
10 31 518 267363 11 7 5
all 1000 306 89723 362 165 84

Chandigarh
01 37 7 182 84 8 1
02 136 0 0 307 17 0
03 125 18 460 284 17 1
04 112 49 3485 253 16 7
05 56 89 16382 128 11 6
06 89 372 215436 202 28 18
07 76 141 43208 173 18 9
08 41 436 121996 94 13 9
09 40 243 122131 91 12 8
10 287 135 90844 649 82 41
all 1000 123 59833 2265 222 100

Dadra & N. Haveli
01 75 29 3017 26 6 2
02 125 83 840 43 15 3
03 294 60 20429 102 19 4
04 64 36 2947 22 8 1
05 49 19 96 17 4 1
06 28 79 52549 10 4 2
07 41 644 281755 14 7 6
08 65 834 1155908 23 11 8
09 136 416 566396 47 20 11
10 123 109 6841 42 18 9
all 1000 187 173095 346 112 47

Appendix A A-45
Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
Daman & Diu
01 357 4 29 284 17 1
02 275 35 346 219 19 4
03 83 48 1384 66 13 3
04 29 488 7329 23 4 3
05 58 0 0 46 4 0
06 43 230 31393 35 17 7
07 46 176 42997 36 11 5
08 51 308 49012 41 11 3
09 50 119 44420 40 9 4
10 7 570 402429 5 7 4
all 1000 73 11176 796 112 34
Lakshadweep
01 5 1000 9350 0 1 1
02 0 0 0 0 0 0
03 5 1000 362225 0 1 1
04 18 1000 60100 1 1 1
05 51 123 10005 4 6 2
06 169 19 3090 12 10 1
07 208 461 85017 15 24 16
08 276 266 85151 20 33 18
09 172 159 12090 12 24 12
10 96 618 112029 7 12 8
all 1000 294 58017 71 112 60

Puducherry
01 71 171 5736 137 20 7
02 105 387 44943 201 39 19
03 196 443 97172 377 56 28
04 73 567 87942 140 24 18
05 61 424 65793 117 32 18
06 22 661 179747 42 10 5
07 88 466 69385 169 29 14
08 103 471 89448 198 33 17
09 198 330 92407 380 61 29
10 83 365 171663 159 32 18
all 1000 406 86400 1921 336 173

Urban
asset per 1000 no.
(1) (2) (4) (5) (6) (7) (8)
all-India
01 100 93 5587 83716 2507 526
02 100 146 11934 83794 3410 996
03 100 202 20075 83651 4292 1539
04 100 242 28430 83750 5568 2102
05 100 217 29915 83704 5600 2205
06 100 234 36751 83747 5971 2433
07 100 238 55519 83721 5482 2405
08 100 254 91069 83658 5549 2669
09 100 294 168470 83783 5263 2742
10 100 317 398457 83725 5023 2629
all 1000 224 84625 837249 48665 20246

Appendix A A-47
Table 4R: No. of households reporting cash loan outstanding and per Rs. 1000 break-up of outstanding amount of cash loan by nature
and rate of interest for major household type: Rural
nature of rate of per 1000 no. of per Rs. 1000 per 1000 no. per Rs. 1000 per 1000 no. per Rs. 1000 of
interest interest hh with cash of outstanding of hh with of outstanding of hh with outstanding
loan outs. cash loan cash loan outs. cash loan cash loan outs. cash loan
(1) (2) (3) (4) (5) (6) (7) (8)
Andhra Pradesh
interest free nil 35 12 108 78 75 33
<6 51 149 14 10 30 103
6-10 60 48 39 19 49 39
10-12 10 3 83 67 51 25
12-15 331 252 118 137 213 214
simple 15-20 71 128 34 152 51 136
20-25 261 347 137 362 192 352
25-30 1 0 9 12 5 4
>=30 55 41 77 99 67 60
all 598 969 404 859 490 932
<6 2 0 0 0 1 0
6-10 1 1 4 4 2 2
10-12 0 0 0 9 0 3
12-15 12 10 3 4 7 8
compound 15-20 5 5 0 2 2 4
20-25 2 1 6 34 4 12
25-30 0 0 0 0 0 0
>=30 1 2 1 3 1 2
all 22 18 14 56 18 31
<6 1 1 3 0 2 0
6-10 0 0 1 3 1 1
10-12 0 0 0 0 0 0
12-15 2 1 5 4 4 2
concessional 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 1 9 8 6 3
nil 35 12 108 78 75 33
<6 54 150 17 10 33 103
6-10 61 49 44 26 52 42
10-12 10 3 83 76 51 28
12-15 345 262 126 145 223 223
15-20 76 133 35 154 53 140
20-25 263 348 143 397 196 364
all
25-30 1 0 9 12 5 4
>=30 56 42 78 102 68 62
all 628 1000 471 1000 541 1000
estd. hhds.(00) 38483 48280 86763 - - -
est. cash loan (lakhs) 3377934 1677175 5055109 - - -
estd. hhds. rep. cash loan (00) 24180 22725 46905 - - -
sample hhds. rep. cash loan 622 447 1069 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Arunachal Pradesh
<6 13 68 3 36 11 60
6-10 0 0 5 70 1 18
10-12 3 206 14 282 5 225
12-15 9 227 0 0 7 169
simple 15-20 0 0 0 0 0 0
20-25 2 10 0 0 1 7
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 26 510 22 388 26 479
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 4 349 1 88
12-15 2 155 4 151 3 154
compound 15-20 1 62 0 0 1 46
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 217 9 500 4 289
<6 10 184 0 0 8 137
6-10 2 5 0 0 1 4
10-12 0 0 0 0 0 0
12-15 2 23 0 0 1 17
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 13 212 0 0 10 158
nil 12 61 10 112 12 74
<6 23 252 3 36 19 197
6-10 2 5 5 70 2 21
10-12 3 206 19 631 6 314
12-15 12 404 4 151 11 340
15-20 1 62 0 0 1 46
20-25 2 10 0 0 1 7
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 54 1000 41 1000 52 1000
estd. hhs.(00) 1340 320 1659 - - -
estd. hhs. rep. cash loan (00) 72 13 86 - - -
sample hhs. rep. cash loan 49 14 63 - - -

Appendix A A-49
(1) (2) (3) (4) (5) (6) (7) (8)
Assam
<6 7 28 7 15 7 23
6-10 7 30 8 23 7 27
10-12 8 48 19 70 11 57
12-15 2 22 2 14 2 18
simple 15-20 1 2 2 2 1 2
20-25 1 6 0 0 1 4
25-30 0 1 0 0 0 1
>=30 15 60 5 17 12 42
all 40 197 43 142 41 174
<6 1 27 1 55 1 38
6-10 6 71 9 42 7 59
10-12 8 123 4 52 7 94
12-15 9 269 24 306 14 284
compound 15-20 1 3 3 102 2 44
20-25 2 5 1 6 2 6
25-30 0 0 0 0 0 0
>=30 1 2 0 2 1 2
all 27 501 47 743 33 601
<6 0 7 0 1 0 4
6-10 3 23 1 17 2 21
10-12 0 0 0 0 0 0
12-15 1 54 0 0 1 31
20-25 0 0 0 0 0 0
25-30 0 2 0 0 0 1
>=30 0 0 0 0 0 0
all 4 86 1 18 3 58
nil 25 216 31 275 27 240
<6 8 62 8 70 8 65
6-10 16 124 17 82 16 106
10-12 16 172 23 122 18 151
12-15 12 344 27 320 17 334
15-20 1 5 5 104 3 46
20-25 3 11 2 7 3 9
all
25-30 1 4 0 0 0 2
>=30 16 63 6 19 12 45
all 93 1000 116 1000 101 1000
estd. hhds.(00) 35368 17127 52495 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Bihar
<6 12 29 21 38 16 32
6-10 20 55 2 9 13 41
10-12 7 18 3 5 6 13
12-15 1 6 4 22 2 11
simple 15-20 0 1 0 2 0 1
20-25 9 20 10 31 9 24
25-30 0 0 0 0 0 0
>=30 180 498 171 722 176 569
all 221 627 210 829 216 691
<6 6 11 1 1 4 8
6-10 17 92 3 16 11 68
10-12 6 27 2 7 4 21
12-15 8 43 5 27 7 38
compound 15-20 0 1 0 3 0 1
20-25 0 0 1 2 1 1
25-30 0 0 0 0 0 0
>=30 10 57 17 43 13 52
all 46 230 29 100 39 189
<6 1 3 0 0 1 2
6-10 14 34 5 9 10 26
10-12 0 0 0 1 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 6 0 0 1 4
all 18 44 5 10 12 33
nil 53 99 34 61 45 87
<6 19 43 22 39 20 41
6-10 51 181 10 34 34 135
10-12 13 45 5 12 10 34
12-15 9 49 9 49 9 49
15-20 1 2 1 4 1 3
20-25 10 21 11 34 10 25
all
25-30 0 0 0 0 0 0
>=30 192 561 180 766 187 626
all 314 1000 260 1000 291 1000
estd. hhds.(00) 80129 60482 140611 - - -

Appendix A A-51
(1) (2) (3) (4) (5) (6) (7) (8)
Chhattisgarh
<6 79 132 17 73 62 123
6-10 21 93 4 12 16 80
10-12 6 70 2 346 5 115
12-15 5 36 4 14 4 33
simple 15-20 5 38 2 3 4 32
20-25 5 8 1 25 4 11
25-30 0 0 0 0 0 0
>=30 10 37 30 469 15 108
all 119 414 60 943 103 501
<6 3 8 4 7 3 8
6-10 0 3 0 0 0 3
10-12 1 14 0 0 1 12
12-15 1 5 1 10 1 6
compound 15-20 2 399 0 0 1 333
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 12 0 0 0 10
all 8 441 5 18 7 372
<6 2 1 0 0 1 1
6-10 1 1 0 0 0 1
10-12 0 2 0 0 0 1
12-15 1 6 0 0 0 5
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 10 0 0 2 9
nil 43 135 16 39 35 119
<6 83 142 19 80 66 132
6-10 22 98 4 12 17 84
10-12 7 85 2 346 5 128
12-15 7 48 4 24 6 44
15-20 6 436 2 3 5 365
20-25 5 8 1 25 4 11
all
25-30 0 0 0 0 0 0
>=30 11 49 30 469 16 118
all 162 1000 77 1000 139 1000
estd. hhds.(00) 27223 10249 37472 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Delhi
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 1 27 0 13
12-15 0 0 4 40 3 20
simple 15-20 0 0 0 0 0 0
20-25 0 0 4 67 2 33
25-30 0 0 0 0 0 0
>=30 3 385 3 73 3 232
all 3 385 8 207 6 297
<6 1 36 4 135 3 84
6-10 0 0 0 0 0 0
10-12 0 16 5 211 4 112
12-15 0 0 3 136 2 67
compound 15-20 0 0 2 17 1 8
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 24 0 13 1 19
all 3 76 14 512 10 290
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 26 539 13 281 17 413
<6 1 36 4 135 3 84
6-10 0 0 0 0 0 0
10-12 0 16 6 237 4 125
12-15 0 0 7 177 5 87
15-20 0 0 2 17 1 8
20-25 0 0 4 67 2 33
all
25-30 0 0 0 0 0 0
>=30 4 409 3 86 3 250
all 30 1000 34 1000 33 1000
estd. hhds.(00) 224 437 661 - - -

Appendix A A-53
(1) (2) (3) (4) (5) (6) (7) (8)
Goa
<6 8 15 6 4 6 5
6-10 24 17 21 78 21 75
10-12 60 580 40 82 42 104
12-15 37 218 91 624 84 606
simple 15-20 0 0 14 148 13 141
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 128 830 141 936 140 932
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 2 102 1 9 1 13
12-15 2 24 8 31 7 31
compound 15-20 2 5 0 4 1 4
20-25 0 0 1 0 1 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 5 131 10 44 9 47
<6 0 0 0 0 0 0
6-10 14 30 0 0 2 1
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 14 30 0 0 2 1
nil 8 9 22 20 20 20
<6 8 15 6 4 6 5
6-10 37 47 21 78 23 77
10-12 62 682 41 91 44 117
12-15 39 243 99 655 91 636
15-20 2 5 15 152 13 145
20-25 0 0 1 0 1 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 155 1000 172 1000 170 1000
estd. hhds.(00) 126 876 1003 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Gujarat
<6 7 21 4 11 6 18
6-10 82 214 4 19 56 165
10-12 3 23 10 85 6 38
12-15 10 58 9 51 10 57
simple 15-20 4 7 4 8 4 7
20-25 11 19 12 124 11 45
25-30 0 0 0 0 0 0
>=30 17 28 2 5 12 22
all 130 369 41 303 101 353
<6 9 33 1 2 7 25
6-10 25 92 2 4 17 70
10-12 11 53 8 144 10 75
12-15 22 144 5 33 17 117
compound 15-20 3 22 3 8 3 19
20-25 4 31 4 6 4 25
25-30 1 3 0 0 0 3
>=30 14 30 7 35 12 31
all 87 409 29 232 68 365
<6 19 33 2 8 14 27
6-10 9 34 1 1 6 26
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 28 67 2 10 20 53
nil 79 155 108 455 88 230
<6 35 86 7 21 26 70
6-10 116 340 7 24 80 262
10-12 15 75 18 229 16 114
12-15 32 203 14 84 26 173
15-20 7 29 7 16 7 26
20-25 16 50 16 130 16 70
all
25-30 1 4 0 0 0 3
>=30 32 57 8 40 24 53
all 301 1000 175 1000 260 1000
estd. hhds.(00) 39326 19393 58719 - - -

Appendix A A-55
(1) (2) (3) (4) (5) (6) (7) (8)
Haryana
<6 7 32 2 1 5 26
6-10 39 92 10 93 27 92
10-12 5 24 0 0 3 19
12-15 17 29 5 16 12 27
simple 15-20 12 61 8 9 10 52
20-25 40 138 39 151 39 141
25-30 0 0 0 0 0 0
>=30 12 16 27 89 18 30
all 115 393 76 360 98 387
<6 30 131 2 6 18 108
6-10 80 264 10 72 50 228
10-12 2 4 12 45 6 11
12-15 18 38 13 29 16 36
compound 15-20 7 28 0 2 4 23
20-25 36 32 8 33 24 32
25-30 0 0 5 6 2 1
>=30 19 23 15 247 17 64
all 175 518 53 441 123 504
<6 4 26 3 7 3 22
6-10 16 25 0 0 9 20
10-12 1 8 0 0 1 6
12-15 1 1 0 0 0 1
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 21 61 3 7 14 51
nil 28 28 40 192 33 58
<6 40 188 5 14 25 156
6-10 131 381 18 165 83 341
10-12 8 35 12 46 10 37
12-15 36 68 18 45 28 64
15-20 20 90 9 12 15 76
20-25 76 170 46 184 64 173
all
25-30 1 1 5 6 3 2
>=30 31 39 42 336 36 94
all 298 1000 158 1000 239 1000
estd. hhds.(00) 14937 10912 25849 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Himachal Pradesh
<6 15 46 7 2 13 32
6-10 18 65 0 0 14 43
10-12 2 2 4 23 2 8
12-15 17 34 7 4 15 24
simple 15-20 1 1 0 0 1 1
20-25 2 6 1 0 2 4
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 52 155 20 29 45 113
<6 3 2 0 0 2 2
6-10 14 50 4 43 12 48
10-12 36 215 34 201 35 210
12-15 68 321 49 680 64 440
compound 15-20 7 21 0 0 5 14
20-25 0 0 0 0 0 0
25-30 1 1 0 0 0 1
>=30 0 0 0 0 0 0
all 125 610 86 924 117 714
<6 23 49 0 0 18 33
6-10 8 26 0 0 6 17
10-12 0 0 0 0 0 0
12-15 1 5 4 1 1 4
20-25 2 1 0 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 32 81 4 1 27 54
nil 132 154 47 46 114 119
<6 40 97 8 3 33 66
6-10 40 141 4 43 33 108
10-12 37 216 38 224 37 219
12-15 85 361 60 684 80 468
15-20 8 22 0 0 6 15
20-25 4 7 1 0 3 5
all
25-30 1 1 0 0 0 1
>=30 0 0 0 0 0 0
all 290 1000 144 1000 260 1000
estd. hhds.(00) 10512 2739 13251 - - -

Appendix A A-57
(1) (2) (3) (4) (5) (6) (7) (8)
Jammu & Kashmir
<6 0 1 0 0 0 0
6-10 1 3 1 2 1 2
10-12 0 3 12 199 2 36
12-15 2 9 1 3 2 8
simple 15-20 0 1 0 0 0 1
20-25 1 1 0 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 1 2 0 0
all 4 17 15 206 6 48
<6 0 5 0 0 0 4
6-10 1 12 9 190 2 42
10-12 5 62 2 8 4 53
12-15 29 463 24 467 28 464
compound 15-20 2 26 2 15 2 24
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 37 568 37 680 37 586
<6 1 5 0 0 0 4
6-10 1 4 0 0 1 3
10-12 1 92 2 2 1 77
12-15 1 5 0 0 1 4
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 106 2 2 3 89
nil 95 309 30 113 84 276
<6 1 11 0 0 1 9
6-10 3 18 10 193 4 47
10-12 6 157 16 208 8 166
12-15 31 477 25 469 30 476
15-20 2 26 2 15 2 24
20-25 1 1 0 0 1 1
all
25-30 0 0 0 0 0 0
>=30 0 0 1 2 0 1
all 136 1000 79 1000 127 1000
estd. hhds.(00) 11575 2171 13746 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Jharkhand
<6 8 17 4 20 7 18
6-10 17 87 0 0 14 78
10-12 2 4 0 0 2 4
12-15 1 7 5 12 2 7
simple 15-20 0 0 0 0 0 0
20-25 8 17 11 62 9 21
25-30 0 0 0 0 0 0
>=30 41 173 44 577 41 217
all 76 308 65 671 74 348
<6 10 32 2 22 8 31
6-10 8 40 14 116 9 48
10-12 3 38 0 0 2 34
12-15 12 308 9 55 12 280
compound 15-20 0 0 0 0 0 0
20-25 7 11 0 9 6 11
25-30 0 0 0 0 0 0
>=30 2 18 0 0 2 16
all 43 446 24 203 39 420
<6 1 3 0 2 1 3
6-10 0 1 1 14 1 3
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 4 1 16 1 6
nil 95 244 32 110 83 230
<6 18 52 6 45 16 51
6-10 26 128 15 130 24 128
10-12 5 42 0 0 4 37
12-15 14 315 14 67 14 288
15-20 0 0 0 0 0 0
20-25 16 28 11 70 15 32
all
25-30 0 0 0 0 0 0
>=30 43 191 44 577 43 233
all 200 1000 119 1000 185 1000
estd. hhds.(00) 30536 6984 37520 - - -

Appendix A A-59
(1) (2) (3) (4) (5) (6) (7) (8)
Karnataka
<6 38 48 11 19 26 40
6-10 74 82 23 54 52 74
10-12 36 55 16 39 27 51
12-15 102 192 83 217 93 199
simple 15-20 33 61 21 41 28 55
20-25 104 173 74 105 91 154
25-30 4 4 1 2 3 3
>=30 148 201 140 344 145 241
all 428 815 320 821 381 817
<6 6 7 1 3 4 6
6-10 6 4 0 0 3 3
10-12 3 2 3 35 3 11
12-15 12 26 9 24 10 26
compound 15-20 1 2 1 1 1 2
20-25 6 4 8 9 7 5
25-30 0 0 0 0 0 0
>=30 5 4 14 23 9 9
all 37 49 34 95 36 62
<6 10 12 1 1 6 9
6-10 7 9 13 2 9 7
10-12 1 0 0 0 0 0
12-15 1 2 2 1 1 2
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 2 0 0 1 1
all 20 25 16 4 18 19
nil 100 111 55 80 80 102
<6 54 66 13 23 36 54
6-10 86 95 36 56 64 84
10-12 40 57 19 75 31 62
12-15 113 220 88 242 102 226
15-20 34 63 21 42 28 57
20-25 109 177 81 114 97 159
all
25-30 4 4 1 2 3 3
>=30 156 207 154 367 155 251
all 518 1000 396 1000 464 1000
estd. hhds.(00) 43467 33963 77430 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Kerala
<6 19 9 12 3 17 8
6-10 68 62 41 63 59 63
10-12 42 51 50 70 44 55
12-15 129 159 111 384 123 209
simple 15-20 20 11 31 43 23 18
20-25 13 9 34 39 20 16
25-30 1 1 2 0 1 1
>=30 20 18 42 101 27 36
all 254 320 263 703 257 406
<6 21 11 1 1 14 9
6-10 37 24 13 13 29 22
10-12 49 75 15 16 37 62
12-15 148 412 94 169 130 358
compound 15-20 22 33 26 25 24 31
20-25 5 2 9 4 6 3
25-30 0 0 0 0 0 0
>=30 8 7 5 4 7 6
all 239 564 151 232 210 490
<6 9 2 1 0 6 2
6-10 14 29 3 2 10 23
10-12 2 2 1 4 2 2
12-15 2 1 0 0 1 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 1 0 0 1 0
all 26 34 5 6 19 28
nil 102 81 58 58 87 76
<6 49 23 14 5 37 19
6-10 114 115 56 79 95 107
10-12 92 128 65 89 83 119
12-15 275 571 202 553 250 567
15-20 41 44 56 68 46 50
20-25 18 11 42 42 26 18
all
25-30 1 1 2 0 1 1
>=30 30 25 47 105 36 43
all 535 1000 414 1000 495 1000
estd. hhds.(00) 34291 17085 51377 - - -

Appendix A A-61
(1) (2) (3) (4) (5) (6) (7) (8)
Madhya Pradesh
<6 14 30 5 14 11 28
6-10 63 196 2 6 45 170
10-12 9 17 1 2 6 15
12-15 13 83 3 16 10 74
simple 15-20 5 15 0 1 4 13
20-25 48 141 48 357 48 171
25-30 1 4 0 0 1 3
>=30 83 213 56 362 75 234
all 218 698 113 759 186 707
<6 2 3 1 5 2 3
6-10 19 75 5 34 15 70
10-12 4 30 2 10 4 27
12-15 5 68 1 49 4 66
compound 15-20 1 2 1 3 1 2
20-25 3 14 0 0 2 12
25-30 0 4 1 1 0 4
>=30 7 13 7 52 7 18
all 40 210 18 153 33 202
<6 1 2 0 1 1 2
6-10 7 32 1 6 5 28
10-12 0 0 0 0 0 0
12-15 2 2 0 0 1 2
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 5 1 19 0 7
all 10 41 2 26 7 39
nil 37 50 28 61 34 52
<6 17 35 6 19 14 33
6-10 88 304 8 46 64 268
10-12 13 46 3 12 10 41
12-15 19 154 4 66 14 141
15-20 6 17 1 4 5 15
20-25 51 155 48 357 50 183
all
25-30 1 8 1 1 1 7
>=30 90 231 64 434 82 259
all 285 1000 159 1000 247 1000
estd. hhds.(00) 59079 25587 84666 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Maharashtra
<6 31 29 8 15 22 25
6-10 171 223 23 188 107 214
10-12 24 63 7 46 17 58
12-15 41 127 23 240 33 158
simple 15-20 14 60 14 149 14 84
20-25 12 42 5 7 9 33
25-30 4 7 0 0 2 5
>=30 38 100 14 34 28 82
all 297 652 93 679 209 659
<6 5 4 0 0 3 3
6-10 25 47 0 2 14 35
10-12 10 20 1 8 6 17
12-15 24 86 9 49 18 76
compound 15-20 7 18 29 189 16 65
20-25 1 1 0 0 1 1
25-30 2 2 0 0 1 1
>=30 9 37 1 1 6 28
all 74 215 41 251 59 225
<6 1 1 0 1 1 1
6-10 3 2 0 0 1 2
10-12 0 0 0 0 0 0
12-15 2 1 0 0 1 1
20-25 2 0 1 0 1 0
25-30 0 0 0 0 0 0
>=30 0 1 0 1 0 1
all 7 5 1 2 5 4
nil 93 128 55 68 77 112
<6 37 34 9 16 25 29
6-10 197 272 23 190 122 250
10-12 33 83 8 55 23 75
12-15 66 214 32 290 52 235
15-20 20 78 43 339 30 149
20-25 15 44 5 7 11 34
all
25-30 6 8 0 0 3 6
>=30 47 139 16 36 34 111
all 415 1000 178 1000 313 1000
estd. hhds.(00) 71402 53780 125182 - - -

Appendix A A-63
(1) (2) (3) (4) (5) (6) (7) (8)
Manipur
<6 2 44 0 0 1 35
6-10 1 25 0 0 1 20
10-12 0 11 0 10 0 11
12-15 1 7 2 59 1 17
simple 15-20 0 1 1 33 0 7
20-25 23 228 1 4 18 184
25-30 3 26 0 0 2 20
>=30 59 317 21 342 50 322
all 88 657 26 448 73 616
<6 1 1 0 0 0 1
6-10 1 37 3 137 2 57
10-12 1 56 0 14 1 47
12-15 1 23 0 0 0 19
compound 15-20 2 31 1 9 2 26
20-25 2 87 0 0 1 70
25-30 0 0 0 0 0 0
>=30 6 77 9 319 7 125
all 13 312 13 478 13 344
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 3 30 1 6
20-25 2 7 1 6 2 7
25-30 0 0 0 0 0 0
>=30 1 1 0 0 0 1
all 3 8 4 37 3 14
nil 10 23 14 37 11 25
<6 2 44 0 0 2 36
6-10 2 62 3 137 2 77
10-12 2 67 1 24 1 58
12-15 1 30 5 89 2 42
15-20 3 31 2 42 2 34
20-25 26 322 2 10 20 260
all
25-30 3 26 0 0 2 20
>=30 65 395 31 661 57 447
all 113 1000 54 1000 99 1000
estd. hhds.(00) 1972 612 2584 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Meghalaya
<6 3 20 2 27 3 22
6-10 8 81 0 0 6 65
10-12 1 47 3 202 1 78
12-15 0 0 0 20 0 4
simple 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 1 30 0 6
all 11 149 5 278 10 174
<6 0 0 0 0 0 0
6-10 4 136 3 138 4 137
10-12 3 196 1 187 2 194
12-15 5 424 0 10 4 343
compound 15-20 0 10 3 385 1 84
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 10 0 0 0 8
all 13 777 7 720 11 766
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 4 0 0 0 3
nil 5 71 0 2 4 57
<6 3 20 2 27 3 22
6-10 11 217 3 138 10 202
10-12 3 243 3 389 3 272
12-15 5 424 0 30 4 347
15-20 1 14 3 385 1 87
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 10 1 30 0 14
all 29 1000 12 1000 25 1000
estd. hhds.(00) 3687 1035 4721 - - -

Appendix A A-65
(1) (2) (3) (4) (5) (6) (7) (8)
Mizoram
<6 1 11 9 22 2 16
6-10 13 292 14 316 13 303
10-12 5 122 20 100 7 112
12-15 2 185 6 78 3 138
simple 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 21 610 49 517 25 569
<6 0 0 0 0 0 0
6-10 3 193 30 282 7 232
10-12 0 10 9 85 1 44
12-15 4 150 10 75 5 117
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 7 354 49 442 13 393
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 3 0 0 0 1
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 3 0 0 0 1
nil 11 34 35 41 15 37
<6 1 11 9 22 2 16
6-10 16 485 44 598 20 536
10-12 5 135 29 185 9 157
12-15 6 335 16 153 8 254
15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 39 1000 133 1000 53 1000
estd. hhds.(00) 795 141 936 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Nagaland
<6 0 0 0 0 0 0
6-10 2 31 1 11 2 28
10-12 0 3 0 63 0 10
12-15 4 217 2 330 3 231
simple 15-20 2 346 1 390 2 351
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 3 111 0 0 3 98
all 11 708 4 793 10 718
<6 0 0 0 0 0 0
6-10 1 5 0 28 1 8
10-12 0 1 0 0 0 1
12-15 2 145 0 39 2 133
compound 15-20 2 128 1 106 1 126
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 4 0 0 1 3
all 6 283 1 173 4 270
<6 0 1 0 0 0 1
6-10 0 0 0 0 0 0
10-12 0 1 0 0 0 1
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 2 0 0 0 2
nil 1 7 1 33 1 10
<6 0 1 0 0 0 1
6-10 3 35 1 39 2 36
10-12 0 5 0 63 0 12
12-15 6 363 2 369 5 363
15-20 4 474 1 496 3 477
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 4 115 0 0 3 101
all 18 1000 6 1000 15 1000
estd. hhds.(00) 3095 1033 4128 - - -

Appendix A A-67
(1) (2) (3) (4) (5) (6) (7) (8)
Odisha
<6 41 68 7 9 29 44
6-10 16 32 8 18 13 27
10-12 4 13 2 3 3 9
12-15 15 90 6 23 12 63
simple 15-20 1 1 1 1 1 1
20-25 26 51 56 420 36 201
25-30 3 2 10 3 6 2
>=30 94 210 45 94 77 163
all 177 466 131 572 161 509
<6 18 27 3 3 13 17
6-10 41 112 4 16 28 73
10-12 10 42 17 283 12 140
12-15 28 198 9 67 21 145
compound 15-20 3 41 1 2 3 25
20-25 1 1 0 0 1 0
25-30 0 0 0 0 0 0
>=30 6 4 1 0 4 3
all 103 424 36 370 79 402
<6 7 11 3 3 6 8
6-10 4 8 0 0 3 5
10-12 0 0 1 1 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 2 0 0 1 1
all 13 23 3 4 10 15
nil 47 87 25 54 39 74
<6 65 107 13 16 46 70
6-10 61 153 12 34 44 104
10-12 13 54 21 287 16 149
12-15 43 288 15 90 33 207
15-20 4 42 2 3 3 26
20-25 28 52 56 420 38 202
all
25-30 3 2 10 3 6 2
>=30 100 217 45 94 81 167
all 297 1000 184 1000 257 1000
estd. hhds.(00) 50570 27516 78086 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Punjab
<6 9 13 2 1 5 10
6-10 56 123 16 65 33 110
10-12 11 18 0 0 5 14
12-15 28 67 11 30 18 59
simple 15-20 15 61 2 2 8 48
20-25 22 14 32 73 28 27
25-30 2 1 0 0 1 1
>=30 15 12 22 95 19 31
all 131 308 81 265 102 298
<6 13 13 0 1 6 11
6-10 61 134 19 68 37 119
10-12 17 38 18 118 18 56
12-15 55 308 20 60 34 252
compound 15-20 21 22 10 124 14 45
20-25 11 18 20 40 17 23
25-30 1 0 0 0 0 0
>=30 17 14 10 90 13 31
all 182 548 96 501 131 537
<6 4 10 0 0 2 8
6-10 16 27 1 1 7 21
10-12 1 3 0 0 0 3
12-15 1 0 0 0 1 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 7 3 0 0 3 3
all 30 44 1 1 13 34
nil 105 101 153 233 133 131
<6 26 36 3 3 12 29
6-10 131 283 36 133 75 249
10-12 29 59 18 118 23 73
12-15 82 376 30 90 52 311
15-20 35 83 12 126 22 92
20-25 33 32 52 112 44 50
all
25-30 2 1 0 0 1 1
>=30 31 29 32 185 32 64
all 388 1000 290 1000 331 1000
estd. hhds.(00) 11390 16162 27552 - - -

Appendix A A-69
(1) (2) (3) (4) (5) (6) (7) (8)
Rajasthan
<6 4 8 0 0 3 7
6-10 54 85 1 0 43 75
10-12 10 37 2 20 9 35
12-15 18 30 4 32 15 30
simple 15-20 9 31 3 14 8 29
20-25 220 481 120 443 200 476
25-30 2 1 0 0 2 1
>=30 23 27 46 252 28 54
all 300 700 166 762 273 708
<6 1 3 0 0 1 2
6-10 11 28 1 7 9 25
10-12 3 13 2 6 3 12
12-15 8 24 1 1 6 21
compound 15-20 7 22 0 0 6 19
20-25 30 90 53 189 34 102
25-30 1 0 0 0 1 0
>=30 8 13 1 2 7 11
all 66 192 57 205 64 193
<6 9 18 2 1 8 16
6-10 29 59 2 9 24 53
10-12 0 0 0 0 0 0
12-15 4 6 0 0 3 5
20-25 1 1 0 0 0 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 43 84 9 13 36 75
nil 36 24 16 21 32 24
<6 14 29 2 1 12 25
6-10 94 172 4 16 76 153
10-12 14 50 4 26 12 47
12-15 30 60 4 33 25 56
15-20 16 52 8 17 14 48
20-25 249 572 172 632 234 580
all
25-30 3 2 0 0 2 1
>=30 31 40 47 254 34 66
all 406 1000 245 1000 374 1000
estd. hhds.(00) 66109 16611 82720 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Sikkim
<6 1 0 2 13 1 4
6-10 4 24 3 25 4 25
simple 10-12 2 6 4 55 3 21
12-15 16 769 37 257 24 620
15-20 0 0 0 0 0 0
20-25 8 6 0 0 5 4
25-30 0 0 0 0 0 0
>=30 0 1 0 0 0 1
all 32 807 43 350 36 674
<6 0 0 0 0 0 0
compound 6-10 5 76 11 138 7 94
10-12 5 41 19 370 10 136
12-15 7 55 7 65 7 58
15-20 0 3 5 27 2 10
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 6 0 0 0 4
all 17 181 39 599 25 302
<6 6 8 2 6 5 8
10-12 0 0 2 25 1 7
12-15 0 0 0 0 0 0
15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 6 9 5 33 6 16
nil 7 3 6 18 7 7
<6 7 9 4 18 6 11
all 6-10 9 101 14 165 11 119
10-12 7 47 25 450 13 164
12-15 24 825 44 322 31 679
15-20 1 3 5 27 2 10
20-25 8 6 0 0 5 4
25-30 0 0 0 0 0 0
>=30 1 7 0 0 1 5
all 62 1000 87 1000 71 1000
estd. hhds.(00) 736 414 1150 - - -

Appendix A A-71
(1) (2) (3) (4) (5) (6) (7) (8)
Tamil Nadu
<6 1 1 4 6 3 3
6-10 100 123 35 90 60 108
10-12 24 46 29 103 27 72
12-15 222 376 74 270 131 328
simple 15-20 40 54 46 98 44 74
20-25 109 171 84 134 94 154
25-30 1 0 8 5 5 2
>=30 130 171 110 193 118 181
all 467 942 316 899 374 922
<6 0 1 0 0 0 0
6-10 0 0 1 0 0 0
10-12 0 0 0 0 0 0
12-15 1 4 0 0 0 2
compound 15-20 9 13 0 1 3 7
20-25 2 5 2 2 2 3
25-30 0 0 0 0 0 0
>=30 1 2 3 42 2 20
all 12 23 6 45 9 33
<6 12 7 0 0 5 4
6-10 1 2 0 0 0 1
10-12 0 0 0 1 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 13 9 0 1 5 5
nil 30 26 25 55 27 39
<6 14 8 4 6 8 7
6-10 100 125 35 90 60 109
10-12 24 46 30 103 28 72
12-15 223 380 74 270 132 330
15-20 49 67 46 99 47 82
20-25 111 175 86 136 96 157
all
25-30 1 0 8 5 5 2
>=30 131 173 113 235 120 201
all 496 1000 335 1000 397 1000
estd. hhds.(00) 36158 57449 93607 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Telangana
<6 149 69 85 45 118 62
6-10 46 16 21 19 35 17
10-12 6 10 5 11 6 10
12-15 96 80 27 37 63 67
simple 15-20 33 43 52 97 42 58
20-25 197 339 239 504 217 387
25-30 6 28 2 3 4 21
>=30 137 192 65 149 103 180
all 521 776 409 864 468 802
<6 22 5 4 2 14 4
6-10 187 108 42 29 118 85
10-12 8 2 1 1 5 2
12-15 36 35 15 31 26 34
compound 15-20 0 0 4 1 2 0
20-25 40 51 16 34 28 46
25-30 0 0 0 0 0 0
>=30 11 9 5 19 8 12
all 244 211 81 117 167 184
<6 1 0 0 0 0 0
6-10 0 0 1 3 0 1
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 0 0 0 1 0
all 2 0 1 3 2 1
nil 29 13 29 15 29 14
<6 172 74 88 47 133 66
6-10 233 124 64 51 153 103
10-12 14 12 6 12 10 12
12-15 129 115 40 68 87 102
15-20 33 43 56 98 44 59
20-25 231 390 254 538 242 433
all
25-30 6 28 2 3 4 21
>=30 149 201 70 168 112 192
all 690 1000 479 1000 591 1000
estd. hhds.(00) 26096 23213 49309 - - -

Appendix A A-73
(1) (2) (3) (4) (5) (6) (7) (8)
Tripura
<6 8 77 2 32 4 50
6-10 14 76 4 37 8 53
10-12 16 124 1 7 7 54
12-15 22 165 10 64 15 105
simple 15-20 5 32 11 46 9 40
20-25 4 22 2 12 3 16
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 70 496 29 199 46 318
<6 0 0 0 2 0 1
6-10 5 38 4 213 4 142
10-12 2 80 3 156 3 125
12-15 8 261 12 221 10 237
compound 15-20 0 8 0 0 0 3
20-25 4 13 20 95 13 62
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 20 401 38 686 31 571
<6 1 4 0 1 1 2
6-10 5 12 0 0 2 5
10-12 0 0 0 0 0 0
12-15 0 0 0 17 0 10
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 6 16 1 18 3 17
nil 26 88 21 98 23 94
<6 9 82 2 34 5 53
6-10 25 125 8 250 15 200
10-12 18 204 4 163 10 179
12-15 30 427 21 302 25 352
15-20 6 40 11 46 9 44
20-25 8 35 22 107 16 78
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 120 1000 86 1000 100 1000
estd. hhds.(00) 2706 3929 6635 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Uttarakhand
<6 8 5 0 0 5 2
6-10 7 1 1 0 5 1
10-12 1 2 1 12 1 7
12-15 2 5 1 4 1 5
simple 15-20 0 0 0 0 0 0
20-25 3 1 0 0 2 0
25-30 0 0 0 0 0 0
>=30 11 8 1 7 8 7
all 31 22 4 24 22 23
<6 4 7 0 0 2 3
6-10 24 89 4 79 17 83
10-12 26 95 62 54 38 73
12-15 61 360 39 820 54 608
compound 15-20 0 0 0 0 0 0
20-25 33 199 0 0 22 91
25-30 3 5 0 0 2 2
>=30 3 21 13 3 6 11
all 134 775 118 955 129 872
<6 15 30 0 0 10 14
6-10 11 22 0 0 7 10
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 1 0 0 0 1 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 27 52 0 0 18 24
nil 142 151 26 21 104 81
<6 26 42 0 0 17 19
6-10 42 113 5 79 29 94
10-12 27 96 63 66 39 80
12-15 62 365 40 824 55 613
15-20 0 0 0 0 0 0
20-25 36 200 0 0 24 92
all
25-30 3 5 0 0 2 2
>=30 15 29 14 10 15 19
all 314 1000 146 1000 258 1000
estd. hhds.(00) 11024 5474 16498 - - -

Appendix A A-75
(1) (2) (3) (4) (5) (6) (7) (8)
Uttar Pradesh
<6 18 31 4 47 15 33
6-10 25 68 4 21 20 62
10-12 5 15 3 6 4 14
12-15 7 30 7 29 7 30
simple 15-20 1 7 0 1 1 6
20-25 8 21 4 33 7 23
25-30 0 0 1 3 0 0
>=30 53 148 57 268 54 164
all 110 321 77 407 102 332
<6 12 21 2 8 10 20
6-10 36 115 6 34 29 104
10-12 15 66 6 47 13 64
12-15 25 153 10 56 21 140
compound 15-20 2 26 0 2 2 23
20-25 3 6 10 21 5 8
25-30 1 1 0 0 1 1
>=30 22 65 35 165 26 78
all 110 461 65 334 98 444
<6 9 19 1 4 7 17
6-10 18 50 2 7 14 45
10-12 2 9 0 2 2 8
12-15 3 16 1 4 3 15
20-25 0 2 0 0 0 1
25-30 0 0 0 0 0 0
>=30 4 3 1 0 3 2
all 36 99 5 18 28 88
nil 110 127 95 242 106 143
<6 39 71 7 58 31 70
6-10 79 233 12 62 62 211
10-12 22 90 9 55 19 85
12-15 35 200 17 89 30 185
15-20 3 34 1 3 2 30
20-25 12 29 13 54 12 32
all
25-30 1 1 1 3 1 1
>=30 79 215 92 434 82 244
all 322 1000 218 1000 296 1000
estd. hhds.(00) 179991 61313 241304 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
West Bengal
<6 28 43 17 148 23 75
6-10 41 91 11 58 27 81
10-12 31 110 12 110 22 110
12-15 27 53 13 74 20 59
simple 15-20 3 11 3 5 3 9
20-25 36 84 11 31 24 67
25-30 0 0 0 1 0 1
>=30 47 202 23 156 36 188
all 184 595 86 583 137 591
<6 3 19 0 3 2 14
6-10 10 28 4 51 7 35
10-12 11 25 1 39 6 29
12-15 14 91 5 121 10 100
compound 15-20 2 2 0 1 1 1
20-25 8 13 7 13 7 13
25-30 0 0 0 0 0 0
>=30 7 35 2 4 4 25
all 52 213 20 232 37 219
<6 2 4 0 0 1 3
6-10 10 21 1 1 6 15
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 1 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 13 26 1 2 8 18
nil 82 167 66 184 74 172
<6 33 66 17 151 26 92
6-10 60 140 16 111 39 131
10-12 40 136 14 149 28 140
12-15 42 144 18 195 31 160
15-20 4 12 3 6 4 10
20-25 45 97 18 44 32 81
all
25-30 0 1 0 1 0 1
>=30 54 237 25 160 40 213
all 303 1000 162 1000 236 1000
estd. hhds.(00) 74064 67294 141359 - - -

Appendix A A-77
(1) (2) (3) (4) (5) (6) (7) (8)
A & N Islands
<6 0 0 19 120 8 64
6-10 8 10 0 0 5 5
10-12 0 0 1 6 0 3
12-15 26 80 0 0 15 37
simple 15-20 0 0 0 0 0 0
20-25 0 0 11 19 5 10
25-30 0 0 0 0 0 0
>=30 41 154 19 42 32 94
all 66 244 51 186 60 213
<6 3 7 9 35 5 22
6-10 17 176 3 53 11 110
10-12 24 151 22 221 23 188
12-15 36 287 68 382 49 338
compound 15-20 0 0 1 1 0 0
20-25 0 0 3 2 1 1
25-30 0 0 0 0 0 0
>=30 0 0 1 3 0 2
all 79 622 95 696 85 661
<6 0 0 0 0 0 0
6-10 1 4 0 0 1 2
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 4 0 0 1 2
nil 69 130 26 118 52 124
<6 3 7 28 154 13 86
6-10 26 190 3 53 17 117
10-12 24 151 23 227 23 192
12-15 62 368 68 382 64 375
15-20 0 0 1 1 0 0
20-25 0 0 15 20 6 11
all
25-30 0 0 0 0 0 0
>=30 41 154 20 45 32 96
all 200 1000 144 1000 177 1000
estd. hhds.(00) 317 218 535 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Chandigarh
<6 0 0 0 0 0 0
6-10 0 0 1 22 1 19
10-12 0 0 2 68 1 60
12-15 9 247 1 28 2 54
simple 15-20 0 0 1 84 1 74
20-25 0 0 0 10 0 9
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 9 247 4 211 5 216
<6 0 0 0 1 0 1
6-10 0 0 10 303 9 268
10-12 17 704 2 226 4 282
12-15 0 0 1 27 1 24
compound 15-20 0 0 16 200 14 177
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 17 704 29 757 28 751
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 4 48 6 31 5 33
<6 0 0 0 1 0 1
6-10 0 0 11 325 10 287
10-12 17 704 4 294 5 341
12-15 9 247 2 55 3 77
15-20 0 0 17 284 15 251
20-25 0 0 0 10 0 9
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 31 1000 39 1000 38 1000
estd. hhds.(00) 10 76 86 - - -

Appendix A A-79
(1) (2) (3) (4) (5) (6) (7) (8)
Dadra & N. Haveli
<6 0 0 0 0 0 0
6-10 2 10 0 0 1 9
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
simple 15-20 0 0 0 0 0 0
20-25 2 3 0 0 1 3
25-30 0 0 0 0 0 0
>=30 0 1 0 0 0 1
all 4 14 0 0 3 13
<6 0 0 0 0 0 0
6-10 6 380 0 0 5 347
10-12 5 295 0 0 3 268
12-15 1 25 2 543 1 71
compound 15-20 1 21 0 0 1 19
20-25 1 33 2 291 1 56
25-30 0 0 0 0 0 0
>=30 1 8 0 0 0 8
all 14 763 3 834 11 769
<6 1 2 0 0 0 2
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 2 0 0 0 2
nil 44 221 9 166 35 216
<6 1 2 0 0 0 2
6-10 8 390 0 0 6 355
10-12 5 295 0 0 3 268
12-15 1 25 2 543 1 71
15-20 1 21 0 0 1 19
20-25 2 37 2 291 2 59
all
25-30 0 0 0 0 0 0
>=30 1 10 0 0 1 9
all 62 1000 12 1000 48 1000
estd. hhds.(00) 198 76 274 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Daman & Diu
<6 0 0 0 0 0 0
6-10 0 0 2 2 2 1
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
simple 15-20 0 0 0 0 0 0
20-25 143 854 35 52 71 299
25-30 0 0 0 0 0 0
>=30 0 0 1 0 1 0
all 143 854 39 54 74 300
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 5 4 19 667 14 463
12-15 5 36 2 4 3 14
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 10 40 20 670 17 476
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 50 106 91 275 77 223
<6 0 0 0 0 0 0
6-10 0 0 2 2 2 1
10-12 5 4 19 667 14 463
12-15 5 36 2 4 3 14
15-20 0 0 0 0 0 0
20-25 143 854 35 52 71 299
all
25-30 0 0 0 0 0 0
>=30 0 0 1 0 1 0
all 203 1000 150 1000 167 1000
estd. hhds.(00) 52 105 158 - - -

Appendix A A-81
(1) (2) (3) (4) (5) (6) (7) (8)
Lakshadweep
<6 5 33 0 0 4 27
6-10 6 112 0 0 5 92
10-12 8 67 21 607 11 160
12-15 17 299 17 182 17 279
simple 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 36 510 38 790 37 558
<6 0 0 0 0 0 0
6-10 4 51 0 0 4 42
10-12 4 211 0 0 4 175
12-15 14 137 26 210 16 149
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 18 399 26 210 20 366
<6 0 0 0 0 0 0
6-10 0 3 0 0 0 3
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 3 0 0 0 3
nil 25 88 0 0 20 73
<6 5 33 0 0 4 27
6-10 11 166 0 0 9 137
10-12 12 278 21 607 14 335
12-15 31 435 43 393 34 428
15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 80 1000 64 1000 77 1000
estd. hhds.(00) 36 9 46 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Puducherry
<6 0 0 0 0 0 0
6-10 44 299 0 0 8 44
10-12 0 0 22 11 18 10
12-15 244 415 214 677 219 638
simple 15-20 0 0 13 9 11 8
20-25 65 98 61 113 61 110
25-30 0 0 0 0 0 0
>=30 74 51 194 173 172 155
all 378 862 414 983 407 965
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 44 21 16 6 21 8
all 44 21 16 6 21 8
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 69 117 3 11 15 27
<6 0 0 0 0 0 0
6-10 44 299 0 0 8 44
10-12 0 0 22 11 18 10
12-15 244 415 214 677 219 638
15-20 0 0 13 9 11 8
20-25 65 98 61 113 61 110
all
25-30 0 0 0 0 0 0
>=30 118 71 209 179 193 163
all 378 1000 416 1000 409 1000
estd. hhds.(00) 233 1062 1295 - - -

Appendix A A-83
(1) (2) (3) (4) (5) (6) (7) (8)
all-India
<6 24 38 12 19 20 33
6-10 50 93 15 55 37 83
10-12 13 34 16 52 14 39
12-15 44 120 32 165 40 132
simple 15-20 10 37 14 63 12 44
20-25 52 138 47 156 50 143
25-30 1 3 2 3 2 3
>=30 64 114 64 180 64 131
all 219 577 178 692 203 608
<6 8 13 1 2 5 10
6-10 25 56 6 17 18 46
10-12 10 34 5 35 8 35
12-15 22 137 10 81 17 122
compound 15-20 4 20 4 26 4 22
20-25 7 18 6 18 7 18
25-30 0 1 0 0 0 0
>=30 10 21 8 30 9 23
all 78 300 39 211 63 277
<6 6 9 1 1 4 7
6-10 10 24 2 3 7 18
10-12 1 2 0 1 0 2
12-15 1 4 1 1 1 3
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 1 0 0 1 1
all 19 41 4 6 13 31
nil 71 83 56 93 65 85
<6 37 60 14 22 29 50
6-10 85 173 23 75 61 147
10-12 23 71 21 88 22 75
12-15 67 261 43 246 58 257
15-20 14 58 18 88 16 66
20-25 59 156 53 174 57 161
all
25-30 2 3 3 3 2 3
>=30 75 136 72 211 74 156
all 350 1000 256 1000 314 1000
estd. hhds.(00) 967259 594128 1561387 - - -

Table 4U: No. of households reporting cash loan outstanding and per Rs. 1000 break-up of outstanding amount of cash loan by nature
and rate of interest for major household type: Urban
(1) (2) (3) (4) (5) (6) (7) (8)
Andhra Pradesh
<6 26 5 19 7 21 6
6-10 62 94 36 124 43 110
10-12 43 61 34 145 37 107
12-15 180 184 117 242 134 216
simple 15-20 78 313 31 48 43 167
20-25 175 196 104 138 122 164
25-30 0 0 1 0 1 0
>=30 63 37 81 107 76 76
all 456 890 323 812 357 847
<6 0 0 1 0 1 0
6-10 3 7 8 15 7 11
10-12 1 4 7 29 5 18
12-15 27 41 12 118 16 84
compound 15-20 13 32 4 4 7 16
20-25 4 2 0 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 49 86 29 166 34 130
<6 4 0 1 0 2 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 5 0 3 1 4 0
20-25 2 1 0 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 14 6 5 1 7 3
nil 49 18 34 21 38 20
<6 31 5 21 7 23 6
6-10 65 101 44 139 49 122
10-12 44 65 41 174 42 125
12-15 212 225 132 361 152 300
15-20 94 349 34 52 50 185
20-25 181 200 104 138 124 166
all
25-30 0 0 1 0 1 0
>=30 63 37 81 107 77 76
all 513 1000 359 1000 398 1000
estd. hhds.(00) 11980 34496 46475 - - -

Appendix A A-85
(1) (2) (3) (4) (5) (6) (7) (8)
Arunachal Pradesh
<6 4 13 5 40 5 40
6-10 0 0 0 1 0 1
10-12 13 11 7 14 8 14
12-15 3 75 48 413 41 403
simple 15-20 0 0 10 116 8 113
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 21 99 71 588 63 575
<6 1 19 3 5 2 6
6-10 0 0 1 7 1 7
10-12 0 0 9 43 8 42
12-15 3 307 22 217 19 220
compound 15-20 2 154 3 43 3 46
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 7 480 37 316 32 321
<6 3 36 0 10 1 11
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 3 21 2 21
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 36 3 32 3 32
nil 55 386 48 67 49 76
<6 7 68 8 56 8 56
6-10 0 0 1 9 1 8
10-12 13 11 16 58 15 56
12-15 7 381 73 652 62 644
15-20 2 154 12 159 10 159
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 84 1000 151 1000 140 1000
estd. hhs.(00) 90 464 555 - - -
estd. hhs. rep. cash loan (00) 8 70 78 - - -
sample hhs. rep. cash loan 14 84 98 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Assam
<6 20 15 7 8 11 10
6-10 13 12 11 43 11 32
10-12 10 2 13 154 12 102
12-15 5 23 6 17 6 19
simple 15-20 3 1 1 0 2 1
20-25 6 7 4 1 4 3
25-30 0 0 1 1 1 0
>=30 10 4 4 5 6 5
all 68 65 46 229 52 173
<6 31 246 2 5 10 88
6-10 7 18 12 97 11 70
10-12 23 264 23 113 23 164
12-15 80 371 58 503 65 458
compound 15-20 6 12 5 15 5 14
20-25 10 8 3 2 6 4
25-30 0 0 1 2 0 1
>=30 0 0 0 0 0 0
all 139 921 103 739 113 801
<6 0 0 5 13 4 9
6-10 1 1 2 4 2 3
10-12 0 0 0 0 0 0
12-15 1 6 0 0 0 2
20-25 0 0 0 1 0 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 2 7 7 19 6 15
nil 25 10 6 15 12 13
<6 51 261 14 26 25 106
6-10 22 31 24 144 24 105
10-12 33 266 36 267 35 267
12-15 86 399 64 521 71 479
15-20 9 14 6 16 7 15
20-25 16 15 7 4 10 8
all
25-30 0 0 2 3 1 2
>=30 10 4 4 5 6 5
all 224 1000 156 1000 176 1000
estd. hhds.(00) 2616 6284 8900 - - -

Appendix A A-87
(1) (2) (3) (4) (5) (6) (7) (8)
Bihar
<6 3 2 0 3 1 3
6-10 5 14 2 20 3 17
10-12 3 23 5 29 5 27
12-15 8 46 11 64 10 57
simple 15-20 6 74 2 17 3 40
20-25 3 9 3 3 3 5
25-30 4 8 0 0 1 3
>=30 45 131 43 126 44 128
all 75 307 66 263 69 281
<6 1 11 1 1 1 5
6-10 9 77 4 54 5 63
10-12 8 52 12 238 10 164
12-15 16 250 20 309 19 285
compound 15-20 5 24 2 37 3 32
20-25 2 2 2 3 2 2
25-30 0 0 0 0 0 0
>=30 9 151 1 5 4 63
all 50 566 40 647 43 615
<6 0 0 0 3 0 2
6-10 0 1 0 0 0 1
10-12 0 0 1 15 1 9
12-15 2 5 0 0 1 2
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 6 2 18 2 13
nil 59 120 22 72 33 91
<6 5 13 1 8 2 10
6-10 15 92 6 75 8 81
10-12 11 75 18 282 16 199
12-15 26 301 31 373 29 344
15-20 11 98 3 54 6 72
20-25 5 10 6 6 5 8
all
25-30 4 8 0 0 2 4
>=30 54 282 44 131 47 191
all 157 1000 121 1000 132 1000
estd. hhds.(00) 6634 14627 21261 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Chhattisgarh
<6 5 9 9 30 8 17
6-10 16 431 17 397 17 418
10-12 15 135 11 149 12 141
12-15 29 247 12 136 18 204
simple 15-20 4 12 4 21 4 15
20-25 9 26 6 20 7 23
25-30 0 0 1 2 1 1
>=30 17 12 5 17 9 14
all 92 872 63 773 73 833
<6 0 0 0 0 0 0
6-10 0 0 1 16 1 6
10-12 8 55 10 108 10 76
12-15 3 29 2 35 2 31
compound 15-20 1 7 1 2 1 5
20-25 0 0 0 1 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 12 91 14 163 13 119
<6 0 0 0 0 0 0
6-10 0 0 2 2 2 1
10-12 0 0 1 9 0 3
12-15 0 1 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 1 3 11 2 4
nil 19 36 41 54 34 43
<6 5 9 9 30 8 17
6-10 16 431 21 415 19 425
10-12 23 190 22 266 22 220
12-15 32 276 14 172 20 235
15-20 5 19 4 23 5 21
20-25 9 26 6 21 7 24
all
25-30 0 0 1 2 1 1
>=30 17 12 5 18 9 14
all 120 1000 116 1000 118 1000
estd. hhds.(00) 4306 7997 12302 - - -

Appendix A A-89
(1) (2) (3) (4) (5) (6) (7) (8)
Delhi
<6 0 0 1 3 0 3
6-10 3 217 0 2 1 50
10-12 2 7 0 5 1 6
12-15 1 9 0 2 0 4
simple 15-20 0 2 1 1 0 1
20-25 5 15 1 6 2 8
25-30 0 0 0 0 0 0
>=30 10 42 8 13 8 19
all 21 293 10 33 13 91
<6 0 0 0 0 0 0
6-10 2 209 2 65 2 97
10-12 8 331 15 778 13 679
12-15 14 95 8 86 10 88
compound 15-20 4 25 3 17 3 19
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 15 0 1 1 4
all 29 675 27 947 28 887
<6 0 0 0 0 0 0
6-10 0 0 0 5 0 4
10-12 0 5 0 1 0 2
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 5 1 7 1 6
nil 10 27 18 13 15 16
<6 0 0 1 3 1 3
6-10 6 426 2 72 3 151
10-12 10 343 16 785 14 687
12-15 15 103 9 89 11 92
15-20 4 28 4 18 4 20
20-25 5 15 1 7 2 8
all
25-30 0 0 0 0 0 0
>=30 11 57 8 13 9 23
all 59 1000 54 1000 56 1000
estd. hhds.(00) 9895 23649 33544 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Goa
<6 7 39 4 1 5 14
6-10 0 0 32 91 25 59
10-12 57 189 43 115 46 141
12-15 80 769 73 582 74 649
simple 15-20 0 0 6 12 4 7
20-25 0 0 1 1 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 134 997 145 802 142 871
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 3 17 2 11
12-15 0 0 5 27 4 17
compound 15-20 5 3 0 0 1 1
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 5 3 8 43 8 29
<6 0 0 4 13 3 8
6-10 0 0 4 21 3 14
10-12 0 0 4 17 3 11
12-15 0 0 7 95 6 62
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 15 147 12 95
nil 0 0 7 9 5 6
<6 7 39 8 14 8 23
6-10 0 0 36 112 28 72
10-12 57 189 50 148 52 163
12-15 80 769 86 704 84 727
15-20 5 3 6 12 6 8
20-25 0 0 1 1 1 1
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 139 1000 175 1000 167 1000
estd. hhds.(00) 349 1252 1601 - - -

Appendix A A-91
(1) (2) (3) (4) (5) (6) (7) (8)
Gujarat
<6 1 2 3 8 2 6
6-10 5 5 6 12 6 10
10-12 19 171 18 312 19 263
12-15 21 187 11 98 14 129
simple 15-20 7 11 4 10 5 11
20-25 10 26 7 8 8 14
25-30 0 0 0 0 0 0
>=30 4 5 6 4 6 5
all 60 406 51 454 54 437
<6 0 1 8 67 6 44
6-10 20 110 18 115 18 113
10-12 28 147 32 241 30 208
12-15 40 218 17 51 24 109
compound 15-20 10 37 4 8 6 18
20-25 1 1 1 2 1 1
25-30 1 2 0 0 0 1
>=30 2 12 0 2 1 5
all 98 526 78 486 85 500
<6 6 2 32 16 23 11
6-10 1 10 1 1 1 4
10-12 1 7 0 0 0 2
12-15 0 0 0 1 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 8 18 33 18 25 18
nil 42 49 38 42 39 44
<6 7 5 43 92 31 61
6-10 26 126 24 128 25 127
10-12 48 325 50 554 49 474
12-15 61 404 28 149 38 238
15-20 17 48 8 19 11 29
20-25 11 26 8 10 9 15
all
25-30 1 2 0 0 0 1
>=30 6 16 7 7 6 10
all 201 1000 191 1000 194 1000
estd. hhds.(00) 17669 37663 55333 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Haryana
<6 6 2 8 5 7 4
6-10 5 10 9 57 8 39
10-12 15 59 12 210 13 154
12-15 35 734 22 465 25 566
simple 15-20 1 2 3 8 3 6
20-25 9 26 11 13 10 18
25-30 0 0 0 0 0 0
>=30 19 21 11 25 13 23
all 81 853 73 784 75 810
<6 2 1 0 1 1 1
6-10 14 30 6 25 8 27
10-12 8 27 10 93 10 68
12-15 18 54 7 62 10 59
compound 15-20 6 6 4 10 4 9
20-25 3 5 4 9 4 7
25-30 0 0 0 0 0 0
>=30 9 2 6 4 7 3
all 57 124 36 203 41 173
<6 1 6 0 0 0 2
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 1 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 6 1 1 1 3
nil 21 17 14 12 16 14
<6 9 8 8 6 8 7
6-10 18 39 15 82 16 66
10-12 23 86 22 303 22 222
12-15 52 787 29 527 35 625
15-20 7 8 6 19 7 15
20-25 12 31 15 22 14 25
all
25-30 0 0 0 0 0 0
>=30 28 23 17 29 20 27
all 144 1000 119 1000 125 1000
estd. hhds.(00) 6539 19225 25764 - - -

Appendix A A-93
(1) (2) (3) (4) (5) (6) (7) (8)
Himachal Pradesh
<6 4 2 1 1 2 2
6-10 4 5 5 16 5 11
10-12 9 12 2 32 4 22
12-15 2 3 1 4 1 3
simple 15-20 1 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 18 22 8 53 11 38
<6 1 0 1 0 1 0
6-10 23 30 74 176 60 108
10-12 89 248 78 589 81 430
12-15 90 644 44 161 56 385
compound 15-20 6 16 0 1 2 8
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 202 938 188 926 192 932
<6 2 1 4 0 3 1
6-10 0 0 1 5 1 3
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 2 1 5 5 4 3
nil 67 39 26 16 37 27
<6 7 4 5 2 5 3
6-10 26 35 80 196 66 121
10-12 98 260 80 620 85 453
12-15 91 647 46 165 58 389
15-20 7 16 0 1 2 8
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 227 1000 216 1000 219 1000
estd. hhds.(00) 616 1734 2350 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Jammu & Kashmir
<6 9 3 6 6 7 4
6-10 1 0 2 7 2 4
10-12 11 1 1 1 4 1
12-15 1 6 3 9 3 7
simple 15-20 0 0 1 6 1 3
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 22 11 13 29 16 20
<6 4 3 1 3 2 3
6-10 3 5 66 425 44 213
10-12 42 720 17 129 25 427
12-15 75 141 54 226 61 183
compound 15-20 7 19 2 3 3 11
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 99 888 133 786 121 837
<6 1 1 1 1 1 1
6-10 0 1 0 0 0 0
10-12 0 0 0 6 0 3
12-15 0 0 1 1 1 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 1 2 8 2 5
nil 172 100 93 177 120 138
<6 14 7 7 10 9 8
6-10 4 6 68 431 46 216
10-12 51 721 18 136 30 432
12-15 76 147 58 236 64 191
15-20 7 19 3 9 4 14
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 281 1000 176 1000 212 1000
estd. hhds.(00) 1869 3548 5417 - - -

Appendix A A-95
(1) (2) (3) (4) (5) (6) (7) (8)
Jharkhand
<6 1 1 4 16 3 10
6-10 5 24 2 25 3 25
10-12 2 5 1 12 1 9
12-15 1 2 3 30 3 19
simple 15-20 1 2 1 1 1 1
20-25 4 23 2 2 3 10
25-30 0 0 1 0 0 0
>=30 46 185 2 6 15 75
all 58 241 15 92 28 150
<6 1 1 1 7 1 5
6-10 12 99 5 99 7 99
10-12 18 162 12 174 14 169
12-15 22 328 21 370 21 354
compound 15-20 5 1 8 72 7 45
20-25 0 5 3 7 2 6
25-30 0 1 0 0 0 0
>=30 1 12 0 0 0 5
all 60 609 48 729 52 683
<6 3 3 1 3 1 3
6-10 0 0 0 4 0 3
10-12 0 0 0 0 0 0
12-15 1 1 0 0 0 1
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 4 1 7 2 6
nil 69 145 30 171 42 161
<6 4 4 6 26 5 18
6-10 16 123 8 128 10 126
10-12 20 167 12 186 15 179
12-15 24 332 24 400 24 374
15-20 6 3 8 73 8 46
20-25 5 28 5 9 5 17
all
25-30 0 1 1 0 0 0
>=30 47 196 2 6 15 80
all 176 1000 91 1000 116 1000
estd. hhds.(00) 4301 10124 14424 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Karnataka
<6 9 10 5 5 6 7
6-10 47 160 21 123 28 140
10-12 51 164 29 164 35 164
12-15 92 141 49 107 61 123
simple 15-20 31 51 16 43 20 47
20-25 50 80 15 24 25 50
25-30 6 3 5 23 5 14
>=30 52 84 35 75 39 79
all 280 693 151 564 186 623
<6 4 2 0 0 1 1
6-10 7 25 8 68 8 48
10-12 5 20 14 147 11 89
12-15 16 70 19 94 18 83
compound 15-20 10 23 6 30 7 27
20-25 12 12 2 8 5 9
25-30 0 0 0 0 0 0
>=30 5 11 5 11 5 11
all 57 162 49 358 51 268
<6 1 0 1 3 1 2
6-10 2 1 1 1 1 1
10-12 0 0 0 8 0 4
12-15 1 10 1 0 1 4
20-25 0 3 0 0 0 2
25-30 0 0 0 0 0 0
>=30 2 7 1 4 1 5
all 6 21 4 16 5 18
nil 63 124 44 62 49 91
<6 14 12 7 8 9 10
6-10 56 186 29 192 37 189
10-12 56 184 43 319 47 257
12-15 108 220 68 201 79 210
15-20 41 74 22 73 27 73
20-25 63 95 18 32 30 61
all
25-30 6 3 5 23 5 14
>=30 59 102 40 90 45 95
all 365 1000 229 1000 265 1000
estd. hhds.(00) 15670 42431 58101 - - -

Appendix A A-97
(1) (2) (3) (4) (5) (6) (7) (8)
Kerala
<6 28 9 15 21 19 16
6-10 61 88 61 116 61 105
10-12 78 292 57 152 62 210
12-15 231 194 128 208 154 202
simple 15-20 45 46 26 22 30 32
20-25 30 19 15 11 19 14
25-30 10 1 2 0 4 0
>=30 28 22 16 27 19 25
all 369 671 262 557 288 604
<6 6 2 5 3 5 3
6-10 27 19 35 66 33 47
10-12 48 59 44 67 45 64
12-15 80 106 83 167 83 142
compound 15-20 37 30 15 21 21 25
20-25 15 51 7 10 9 27
25-30 2 0 0 0 1 0
>=30 14 13 6 1 8 6
all 199 280 153 335 164 312
<6 1 1 6 4 5 3
6-10 8 2 6 11 6 8
10-12 2 1 4 7 3 5
12-15 0 0 1 1 1 1
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 12 4 16 23 15 16
nil 79 44 94 84 90 68
<6 34 12 27 28 29 21
6-10 96 110 100 193 99 159
10-12 123 352 99 227 105 279
12-15 291 301 211 376 231 345
15-20 82 76 41 43 51 56
20-25 44 70 22 20 27 41
all
25-30 12 1 2 0 4 0
>=30 43 35 22 28 27 31
all 557 1000 440 1000 470 1000
estd. hhds.(00) 6920 20758 27678 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Madhya Pradesh
<6 5 11 3 20 4 16
6-10 16 36 12 27 13 31
10-12 10 27 7 43 8 37
12-15 13 39 12 61 12 52
simple 15-20 10 25 4 4 6 13
20-25 16 37 12 12 14 23
25-30 1 0 0 1 0 0
>=30 21 52 24 75 23 65
all 82 227 65 244 71 237
<6 2 6 1 1 1 3
6-10 16 118 12 486 14 329
10-12 26 217 16 110 19 156
12-15 32 350 15 106 21 210
compound 15-20 2 5 4 7 3 6
20-25 2 7 4 8 3 8
25-30 1 1 0 0 0 0
>=30 1 2 2 3 2 3
all 75 706 51 721 59 714
<6 2 1 1 3 1 2
6-10 4 7 1 4 2 5
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 6 9 2 8 4 8
nil 39 58 26 28 30 41
<6 8 18 4 24 6 21
6-10 36 161 25 517 29 365
10-12 37 244 22 154 27 192
12-15 46 390 27 167 33 262
15-20 12 29 8 11 9 19
20-25 18 44 16 20 17 31
all
25-30 2 1 0 1 1 1
>=30 22 54 26 78 25 68
all 187 1000 135 1000 153 1000
estd. hhds.(00) 13441 25836 39277 - - -

Appendix A A-99
(1) (2) (3) (4) (5) (6) (7) (8)
Maharashtra
<6 4 3 4 3 4 3
6-10 20 63 21 52 20 55
10-12 15 54 16 72 15 68
12-15 39 130 22 60 27 77
simple 15-20 15 41 7 11 9 19
20-25 4 3 3 2 3 2
25-30 2 0 0 0 1 0
>=30 4 2 8 6 7 5
all 97 295 74 206 81 228
<6 2 2 3 4 3 4
6-10 7 59 14 80 12 75
10-12 21 281 34 517 30 460
12-15 33 253 27 152 29 176
compound 15-20 10 40 8 18 8 24
20-25 0 0 2 1 1 1
25-30 0 0 0 0 0 0
>=30 0 0 1 1 1 1
all 66 636 82 773 77 740
<6 1 0 0 0 1 0
6-10 0 0 0 0 0 0
10-12 0 1 0 0 0 0
12-15 0 2 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 2 4 0 0 1 1
nil 53 65 39 21 43 31
<6 8 5 7 7 7 7
6-10 26 122 34 132 32 130
10-12 36 336 49 589 45 528
12-15 72 384 49 212 56 253
15-20 24 81 14 30 17 42
20-25 5 3 4 3 5 3
all
25-30 2 1 0 0 1 0
>=30 5 2 8 7 7 6
all 197 1000 185 1000 189 1000
estd. hhds.(00) 32365 78811 111176 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Manipur
<6 1 56 3 30 2 40
6-10 0 13 3 134 2 87
10-12 1 23 4 54 2 42
12-15 0 3 1 2 0 2
simple 15-20 0 0 4 122 2 75
20-25 9 64 4 15 7 34
25-30 0 0 1 2 0 1
>=30 37 226 24 86 30 140
all 49 384 43 445 46 422
<6 0 0 0 0 0 0
6-10 1 48 5 157 3 115
10-12 2 107 8 185 5 155
12-15 4 99 5 97 4 98
compound 15-20 0 0 3 78 1 48
20-25 0 1 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 43 1 5 1 20
all 8 299 21 523 15 436
<6 0 0 0 0 0 0
6-10 1 63 0 0 1 25
10-12 0 0 0 0 0 0
12-15 0 2 1 5 0 4
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 1 0 0 0 0
all 2 67 1 5 1 29
nil 9 249 3 26 6 113
<6 1 56 3 30 2 40
6-10 2 124 8 291 6 227
10-12 3 130 12 239 7 197
12-15 4 104 6 104 5 104
15-20 0 1 7 200 4 123
20-25 9 65 4 15 7 34
all
25-30 0 0 1 2 0 1
>=30 39 270 25 91 32 160
all 69 1000 67 1000 68 1000
estd. hhds.(00) 822 842 1664 - - -

Appendix A A-101
(1) (2) (3) (4) (5) (6) (7) (8)
Meghalaya
<6 3 0 0 0 1 0
6-10 2 3 3 10 3 9
10-12 2 7 2 11 2 10
12-15 7 28 3 8 4 12
simple 15-20 0 0 1 5 1 4
20-25 6 23 2 4 3 8
25-30 0 0 0 0 0 0
>=30 1 5 0 0 0 1
all 21 67 12 37 14 44
<6 0 0 1 3 1 2
6-10 1 257 4 50 3 96
10-12 6 346 8 212 8 242
12-15 3 45 39 517 30 411
compound 15-20 8 268 8 115 8 149
20-25 5 11 3 4 3 6
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 24 927 63 900 53 906
<6 1 3 0 0 0 1
6-10 1 3 0 0 0 1
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 7 0 0 1 1
nil 0 0 13 62 10 48
<6 4 4 1 3 2 3
6-10 5 263 6 60 6 106
10-12 9 353 11 223 10 252
12-15 10 73 42 525 34 423
15-20 8 268 9 119 9 153
20-25 11 35 5 8 7 14
all
25-30 0 0 0 0 0 0
>=30 1 5 0 0 0 1
all 48 1000 88 1000 77 1000
estd. hhds.(00) 317 891 1208 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Mizoram
<6 2 12 1 0 1 1
6-10 6 59 39 147 27 138
10-12 13 339 87 253 59 261
12-15 13 273 67 427 46 412
simple 15-20 2 4 0 0 1 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 2 15 1 13
all 36 687 181 842 126 826
<6 0 0 0 0 0 0
6-10 0 0 6 42 4 38
10-12 4 78 13 56 10 58
12-15 2 23 3 56 3 53
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 6 102 22 154 16 149
<6 0 0 0 0 0 0
6-10 0 0 2 0 1 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 2 0 1 0
nil 27 211 12 4 18 24
<6 2 12 1 0 1 1
6-10 6 59 47 189 31 176
10-12 16 417 101 309 69 319
12-15 14 296 70 484 49 465
15-20 2 4 0 0 1 0
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 2 15 1 13
all 68 1000 214 1000 159 1000
estd. hhds.(00) 339 560 900 - - -

Appendix A A-103
(1) (2) (3) (4) (5) (6) (7) (8)
Nagaland
<6 1 12 0 4 1 5
6-10 0 0 1 1 1 1
10-12 0 0 1 7 0 6
12-15 2 327 17 652 13 617
simple 15-20 0 0 2 38 1 34
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 2 88 3 55 3 58
all 5 427 24 756 18 720
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 10 0 9
12-15 0 0 4 105 3 94
compound 15-20 2 184 3 119 3 126
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 7 187 0 0 2 21
all 9 371 7 234 8 249
<6 0 0 1 1 1 1
6-10 0 0 0 0 0 0
10-12 1 47 0 0 0 5
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 47 1 1 1 6
nil 6 155 1 9 3 25
<6 1 12 1 5 1 5
6-10 0 0 1 1 1 1
10-12 1 47 1 16 1 20
12-15 2 327 21 758 15 710
15-20 2 184 5 157 4 160
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 9 275 3 55 5 79
all 20 1000 34 1000 30 1000
estd. hhds.(00) 294 639 933 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Odisha
<6 9 1 6 26 7 5
6-10 7 2 8 23 8 5
10-12 6 1 7 141 7 21
12-15 17 5 11 49 13 11
simple 15-20 1 1 0 0 0 1
20-25 23 6 7 27 13 9
25-30 0 0 2 1 1 0
>=30 48 11 27 71 34 20
all 108 27 67 339 81 71
<6 0 0 5 18 4 3
6-10 12 11 20 188 17 36
10-12 21 15 21 119 21 29
12-15 49 942 40 231 43 842
compound 15-20 1 0 2 5 2 1
20-25 6 0 10 27 9 4
25-30 2 0 0 0 1 0
>=30 5 1 11 12 9 3
all 81 969 106 600 97 917
<6 1 0 1 14 1 2
6-10 0 0 2 17 1 2
10-12 0 0 0 3 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 0 3 33 2 5
nil 21 3 20 28 20 7
<6 10 2 11 58 11 9
6-10 19 12 29 227 26 42
10-12 27 16 28 263 28 51
12-15 66 946 51 280 56 853
15-20 2 1 2 5 2 1
20-25 29 7 18 55 22 13
all
25-30 3 0 2 1 2 0
>=30 48 12 38 83 42 22
all 192 1000 184 1000 187 1000
estd. hhds.(00) 4859 8965 13824 - - -

Appendix A A-105
(1) (2) (3) (4) (5) (6) (7) (8)
Punjab
<6 0 0 0 0 0 0
6-10 2 7 4 25 3 18
10-12 6 24 4 10 5 16
12-15 8 106 1 3 3 46
simple 15-20 1 2 0 1 0 1
20-25 14 18 5 12 8 14
25-30 0 0 0 0 0 0
>=30 28 44 5 7 13 22
all 56 201 21 59 33 117
<6 1 5 8 44 6 28
6-10 16 165 19 164 18 164
10-12 22 214 36 365 31 303
12-15 31 261 36 211 34 231
compound 15-20 7 16 4 19 5 18
20-25 5 3 4 15 4 10
25-30 0 0 2 3 1 2
>=30 1 1 4 6 3 4
all 79 666 97 826 91 760
<6 1 2 0 0 0 1
6-10 1 4 0 1 1 2
10-12 0 0 1 2 0 1
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 2 6 1 2 1 4
nil 93 127 67 113 76 119
<6 2 7 9 44 6 29
6-10 20 176 24 190 22 184
10-12 28 237 41 377 36 320
12-15 39 367 37 214 38 277
15-20 7 19 4 19 5 19
20-25 19 21 9 26 12 24
all
25-30 0 0 2 3 1 2
>=30 28 45 9 13 16 26
all 198 1000 175 1000 183 1000
estd. hhds.(00) 9349 17004 26353 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Rajasthan
<6 0 1 1 3 1 2
6-10 7 20 8 67 8 44
10-12 10 65 15 115 13 90
12-15 18 112 8 55 12 82
simple 15-20 8 31 5 10 6 20
20-25 72 192 48 184 57 188
25-30 1 0 0 0 0 0
>=30 17 54 15 38 16 46
all 125 475 93 472 105 473
<6 1 2 1 1 1 1
6-10 8 85 4 22 5 52
10-12 14 151 38 258 29 206
12-15 13 88 10 49 11 68
compound 15-20 15 54 12 20 13 37
20-25 13 24 12 60 13 42
25-30 1 1 1 0 1 1
>=30 1 5 5 28 3 17
all 63 409 79 438 73 424
<6 8 8 1 2 3 5
6-10 9 13 5 13 6 13
10-12 0 0 0 0 0 0
12-15 1 0 1 3 1 2
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 18 21 6 19 11 20
nil 49 95 51 72 50 83
<6 9 12 3 6 5 9
6-10 24 117 16 102 19 109
10-12 25 216 53 372 42 297
12-15 32 200 18 107 23 152
15-20 23 85 17 31 19 57
20-25 84 215 60 244 69 230
all
25-30 2 1 2 0 2 1
>=30 19 59 20 66 20 63
all 237 1000 219 1000 226 1000
estd. hhds.(00) 12323 20086 32409 - - -

Appendix A A-107
(1) (2) (3) (4) (5) (6) (7) (8)
Sikkim
<6 9 81 1 1 3 15
6-10 12 60 9 153 9 137
simple 10-12 0 0 6 131 4 109
12-15 0 0 4 17 3 14
15-20 2 31 2 2 2 7
20-25 2 4 2 1 2 2
25-30 0 0 0 0 0 0
>=30 6 17 1 3 2 5
all 31 192 24 308 26 288
<6 0 0 0 0 0 0
compound 6-10 24 219 30 349 28 327
10-12 12 144 18 191 17 183
12-15 43 123 19 90 24 96
15-20 16 264 7 22 9 63
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 1 10 1 9 1 9
all 90 761 63 660 69 678
<6 0 0 1 21 1 18
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 3 17 3 28 3 26
nil 24 30 5 4 9 8
<6 9 81 2 22 4 32
all 6-10 38 297 40 508 39 472
10-12 12 144 24 322 21 291
12-15 43 123 23 107 27 110
15-20 18 295 9 24 11 70
20-25 2 4 2 1 2 2
25-30 0 0 0 0 0 0
>=30 7 27 2 12 3 15
all 145 1000 91 1000 103 1000
estd. hhds.(00) 99 352 451 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Tamil Nadu
<6 2 2 1 0 1 1
6-10 45 70 25 75 30 73
10-12 48 163 55 368 53 293
12-15 145 348 107 251 117 286
simple 15-20 50 76 40 119 43 103
20-25 93 127 75 73 80 93
25-30 9 2 6 2 7 2
>=30 74 113 68 71 70 86
all 360 901 299 958 316 937
<6 0 0 0 0 0 0
6-10 1 1 0 0 0 0
10-12 0 1 0 0 0 0
12-15 4 16 2 2 3 7
compound 15-20 2 5 0 0 1 2
20-25 4 3 3 2 3 2
25-30 1 0 0 0 0 0
>=30 2 1 1 1 1 1
all 13 26 5 5 7 13
<6 0 0 1 2 1 1
6-10 1 5 2 6 1 5
10-12 1 7 0 0 0 2
12-15 1 1 1 1 1 1
20-25 2 2 1 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 5 15 4 10 4 12
nil 51 58 43 27 45 38
<6 2 2 2 2 2 2
6-10 47 75 26 81 32 79
10-12 49 170 55 368 53 295
12-15 150 365 110 254 121 294
15-20 53 81 40 119 43 105
20-25 99 132 78 75 83 96
all
25-30 10 2 6 2 7 2
>=30 76 114 70 72 71 88
all 404 1000 327 1000 348 1000
estd. hhds.(00) 27001 73055 100056 - - -

Appendix A A-109
(1) (2) (3) (4) (5) (6) (7) (8)
Telangana
<6 22 3 13 9 16 6
6-10 22 7 21 16 21 11
10-12 16 25 26 206 23 110
12-15 78 660 56 187 62 437
simple 15-20 12 7 10 8 11 7
20-25 113 68 61 78 77 72
25-30 2 0 2 5 2 3
>=30 101 132 52 35 67 86
all 327 902 210 544 246 733
<6 0 0 2 1 2 0
6-10 36 24 12 19 20 22
10-12 6 59 8 151 7 103
12-15 12 7 8 245 10 119
compound 15-20 9 1 7 10 8 5
20-25 6 1 3 2 4 2
25-30 1 0 0 0 0 0
>=30 2 1 5 4 4 3
all 64 95 44 432 50 254
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 3 0 2 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 3 1 2 0
nil 14 4 39 23 31 13
<6 22 3 16 10 18 6
6-10 58 31 34 35 41 33
10-12 22 84 34 357 30 213
12-15 88 667 67 432 73 556
15-20 21 8 16 18 18 13
20-25 118 69 63 80 80 74
all
25-30 2 1 2 5 2 3
>=30 102 133 56 39 70 89
all 389 1000 268 1000 305 1000
estd. hhds.(00) 10845 24626 35471 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Tripura
<6 4 111 1 3 2 38
6-10 5 3 11 97 9 66
10-12 10 120 11 175 11 157
12-15 21 149 12 104 15 119
simple 15-20 1 0 3 3 2 2
20-25 8 7 3 2 5 3
25-30 0 0 0 0 0 0
>=30 1 8 0 0 0 3
all 50 399 40 383 43 388
<6 0 0 0 1 0 1
6-10 3 54 11 233 8 175
10-12 5 79 11 155 9 130
12-15 33 349 19 144 23 210
compound 15-20 0 0 0 0 0 0
20-25 66 69 20 18 34 35
25-30 0 3 0 0 0 1
>=30 0 3 0 0 0 1
all 107 556 60 551 75 553
<6 0 0 0 0 0 0
6-10 0 0 0 1 0 1
10-12 2 35 0 3 1 13
12-15 0 0 4 37 3 25
20-25 2 2 0 0 1 1
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 5 37 5 42 5 40
nil 2 8 8 24 6 19
<6 4 111 1 4 2 38
6-10 8 57 22 331 17 243
10-12 17 233 22 333 20 301
12-15 53 498 36 285 41 354
15-20 1 0 3 3 2 2
20-25 72 78 23 20 39 38
all
25-30 0 3 0 0 0 1
>=30 1 11 0 0 1 4
all 158 1000 112 1000 127 1000
estd. hhds.(00) 641 1375 2016 - - -

Appendix A A-111
(1) (2) (3) (4) (5) (6) (7) (8)
Uttarakhand
<6 1 0 0 0 0 0
6-10 16 11 5 12 11 12
10-12 2 8 2 33 2 18
12-15 0 2 2 7 1 4
simple 15-20 0 0 0 0 0 0
20-25 0 0 6 18 3 7
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 19 22 15 70 17 42
<6 0 0 0 0 0 0
6-10 10 55 14 6 12 35
10-12 17 69 73 727 42 339
12-15 46 834 37 141 42 550
compound 15-20 3 16 8 13 5 15
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 19 12 8 5
all 72 975 149 899 106 944
<6 1 1 0 0 1 0
6-10 0 1 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 3 1 1 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 1 1 3 1 2 1
nil 6 2 26 30 15 14
<6 2 1 0 0 1 1
6-10 27 67 19 18 24 47
10-12 19 78 75 760 44 358
12-15 46 837 38 149 43 554
15-20 3 16 8 13 5 15
20-25 0 0 9 18 4 7
all
25-30 0 0 0 0 0 0
>=30 0 0 19 12 8 5
all 98 1000 192 1000 139 1000
estd. hhds.(00) 3493 2704 6198 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Uttar Pradesh
<6 2 5 4 14 3 12
6-10 6 8 11 21 9 18
10-12 3 24 7 18 6 19
12-15 3 21 8 20 6 21
simple 15-20 2 167 1 0 1 41
20-25 5 15 3 1 4 5
25-30 1 0 0 0 0 0
>=30 29 56 24 17 26 27
all 50 298 53 92 52 143
<6 3 6 3 3 3 3
6-10 13 222 13 30 13 77
10-12 17 265 51 781 37 655
12-15 15 68 15 35 15 43
compound 15-20 4 17 5 11 4 12
20-25 4 10 1 0 2 3
25-30 1 0 1 0 1 0
>=30 8 20 7 5 8 8
all 60 608 91 864 79 802
<6 2 3 0 1 1 2
6-10 2 3 1 2 1 2
10-12 0 0 1 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 4 6 2 4 3 5
nil 72 89 72 40 72 52
<6 7 14 7 18 7 17
6-10 20 233 24 53 22 97
10-12 20 289 59 799 43 675
12-15 18 90 23 55 21 64
15-20 6 184 5 11 6 53
20-25 9 25 4 2 6 7
all
25-30 1 0 1 0 1 0
>=30 37 76 31 22 34 35
all 172 1000 201 1000 189 1000
estd. hhds.(00) 33388 48510 81898 - - -

Appendix A A-113
(1) (2) (3) (4) (5) (6) (7) (8)
West Bengal
<6 9 22 4 15 6 17
6-10 10 60 14 108 13 91
10-12 14 87 13 153 13 129
12-15 15 70 13 89 14 82
simple 15-20 4 9 3 6 4 7
20-25 15 13 9 20 11 17
25-30 2 1 1 0 1 1
>=30 18 44 8 22 12 30
all 81 306 61 413 68 374
<6 3 18 3 41 3 33
6-10 10 102 8 159 9 139
10-12 15 250 9 189 11 211
12-15 14 134 11 104 12 115
compound 15-20 1 20 1 6 1 11
20-25 10 5 3 2 6 3
25-30 4 7 0 0 2 3
>=30 3 2 3 3 3 3
all 57 556 37 505 44 523
<6 8 6 2 2 4 3
6-10 1 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 1 7 0 1 0 3
20-25 0 0 1 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 10 13 3 4 6 7
nil 56 143 34 78 42 102
<6 19 45 9 58 13 53
6-10 20 163 22 268 21 230
10-12 28 337 22 342 24 340
12-15 29 210 24 195 26 200
15-20 5 29 4 12 5 18
20-25 25 18 13 22 17 20
all
25-30 7 8 1 0 3 3
>=30 21 47 11 25 15 33
all 187 1000 126 1000 147 1000
estd. hhds.(00) 22107 41843 63950 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
A & N Islands
<6 0 0 0 0 0 0
6-10 35 46 19 7 22 14
10-12 0 0 0 0 0 0
12-15 0 0 23 24 19 19
simple 15-20 54 202 13 16 20 51
20-25 19 4 11 6 12 6
25-30 0 0 11 8 9 6
>=30 165 98 68 87 85 89
all 273 350 125 147 151 185
<6 0 0 0 0 0 0
6-10 0 0 25 76 21 62
10-12 35 249 57 368 53 345
12-15 187 376 81 273 99 292
compound 15-20 0 0 11 59 9 48
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 33 18 27 15
all 187 625 194 794 193 762
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 27 25 48 59 45 53
<6 0 0 0 0 0 0
6-10 35 46 44 83 42 76
10-12 35 249 57 368 53 345
12-15 187 376 104 296 118 311
15-20 54 202 24 75 29 99
20-25 19 4 11 6 12 6
all
25-30 0 0 11 8 9 6
>=30 165 98 68 105 85 104
all 395 1000 287 1000 306 1000
estd. hhds.(00) 63 299 362 - - -

Appendix A A-115
(1) (2) (3) (4) (5) (6) (7) (8)
Chandigarh
<6 0 0 0 0 0 0
6-10 0 0 7 14 5 10
10-12 14 157 18 219 17 203
12-15 55 456 44 420 48 429
simple 15-20 0 0 1 0 1 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 4 10 0 0 1 3
all 64 624 63 652 64 645
<6 0 0 0 0 0 0
6-10 4 12 5 70 5 55
10-12 16 323 21 113 20 167
12-15 5 11 28 132 21 101
compound 15-20 2 15 4 18 3 17
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 26 361 59 333 49 340
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 2 7 0 0 1 2
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 2 7 0 0 1 2
nil 13 9 10 15 11 13
<6 0 0 0 0 0 0
6-10 4 12 13 84 10 65
10-12 31 487 39 331 37 371
12-15 60 467 73 551 69 530
15-20 2 15 4 18 4 17
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 4 10 0 0 1 3
all 104 1000 132 1000 123 1000
estd. hhds.(00) 695 1570 2265 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Dadra & N. Haveli
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
simple 15-20 6 1 0 0 2 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 3 2 2 1
all 6 1 3 2 4 2
<6 0 0 20 368 15 249
6-10 199 761 30 230 74 401
10-12 55 168 57 368 57 303
12-15 4 20 15 24 12 23
compound 15-20 4 2 0 0 1 1
20-25 0 0 0 0 0 0
25-30 0 0 1 0 1 0
>=30 0 0 0 0 0 0
all 262 951 110 990 150 977
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 0 0 0 0
nil 126 49 42 8 64 21
<6 0 0 20 368 15 249
6-10 199 761 30 230 74 401
10-12 55 168 57 368 57 303
12-15 4 20 15 24 12 23
15-20 10 3 0 0 3 1
20-25 0 0 0 0 0 0
all
25-30 0 0 1 0 1 0
>=30 0 0 3 2 2 1
all 330 1000 136 1000 187 1000
estd. hhds.(00) 90 256 346 - - -

Appendix A A-117
(1) (2) (3) (4) (5) (6) (7) (8)
Daman & Diu
<6 0 0 2 9 2 5
6-10 0 0 0 0 0 0
10-12 3 6 0 0 1 2
12-15 0 0 0 0 0 0
simple 15-20 0 0 0 0 0 0
20-25 0 0 2 46 1 27
25-30 0 0 0 0 0 0
>=30 0 0 3 3 2 2
all 3 6 7 58 6 36
<6 0 0 0 0 0 0
6-10 11 177 0 0 2 75
10-12 40 404 5 148 11 256
12-15 11 287 8 285 8 286
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 15 251 12 145
all 62 868 27 684 33 762
<6 0 0 0 0 0 0
6-10 0 0 1 1 1 1
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 1 1 1 1
nil 30 126 40 257 38 202
<6 0 0 2 9 2 5
6-10 11 177 1 1 2 76
10-12 43 410 5 148 12 259
12-15 11 287 8 285 8 286
15-20 0 0 0 0 0 0
20-25 0 0 2 46 1 27
all
25-30 0 0 0 0 0 0
>=30 0 0 17 254 14 147
all 84 1000 71 1000 73 1000
estd. hhds.(00) 137 659 796 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
Lakshadweep
<6 0 0 0 0 0 0
6-10 7 10 14 8 13 9
10-12 46 98 36 93 38 95
12-15 199 846 148 712 158 757
simple 15-20 0 0 8 12 7 8
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 252 954 190 825 201 868
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 3 3 2 2
compound 15-20 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 0 0 3 3 2 2
<6 18 12 32 20 30 17
6-10 0 0 0 0 0 0
10-12 0 0 3 7 3 5
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 18 12 35 27 32 22
nil 182 33 114 145 126 108
<6 18 12 32 20 30 17
6-10 7 10 14 8 13 9
10-12 46 98 39 100 40 100
12-15 199 846 151 715 160 759
15-20 0 0 8 12 7 8
20-25 0 0 0 0 0 0
all
25-30 0 0 0 0 0 0
>=30 0 0 0 0 0 0
all 315 1000 289 1000 294 1000
estd. hhds.(00) 13 58 71 - - -

Appendix A A-119
(1) (2) (3) (4) (5) (6) (7) (8)
Puducherry
<6 0 0 5 2 4 2
6-10 22 5 11 25 14 21
10-12 23 4 20 65 20 51
12-15 197 426 197 483 197 470
simple 15-20 16 126 17 53 17 70
20-25 165 214 127 175 135 184
25-30 40 81 0 0 8 18
>=30 136 102 65 136 80 128
all 463 956 365 941 385 944
<6 0 0 0 0 0 0
6-10 0 0 2 12 2 10
10-12 3 7 2 11 2 10
12-15 8 20 10 17 9 18
compound 15-20 0 0 2 2 2 2
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 0 2 1 2 0
all 8 27 14 43 13 39
<6 0 0 0 0 0 0
6-10 0 0 0 0 0 0
10-12 0 0 0 0 0 0
12-15 0 0 0 0 0 0
20-25 0 0 0 0 0 0
25-30 0 0 0 0 0 0
>=30 19 13 0 0 4 3
all 19 13 0 0 4 3
nil 23 3 16 17 18 14
<6 0 0 5 2 4 2
6-10 22 5 14 38 16 30
10-12 26 11 22 76 23 61
12-15 206 446 206 500 206 488
15-20 16 126 19 55 19 71
20-25 165 214 127 175 135 184
all
25-30 40 81 0 0 8 18
>=30 155 115 67 136 86 131
all 469 1000 390 1000 406 1000
estd. hhds.(00) 398 1522 1921 - - -

(1) (2) (3) (4) (5) (6) (7) (8)
all-India
<6 6 5 5 7 5 6
6-10 20 57 17 61 18 60
10-12 20 96 21 159 21 135
12-15 50 239 40 140 43 178
simple 15-20 16 65 12 32 13 44
20-25 35 65 25 35 28 47
25-30 2 1 1 2 2 2
>=30 32 58 27 37 29 45
all 151 587 126 474 134 517
<6 2 3 2 8 2 6
6-10 11 52 11 67 11 61
10-12 15 106 21 284 19 216
12-15 23 155 19 101 20 122
compound 15-20 7 19 5 12 5 15
20-25 5 8 3 4 3 6
25-30 1 0 0 0 0 0
>=30 3 6 3 3 3 4
all 62 349 58 480 59 430
<6 2 1 3 2 3 2
6-10 2 2 1 3 1 3
10-12 0 2 0 1 0 1
12-15 1 2 1 1 1 1
20-25 0 1 0 0 0 0
25-30 0 0 0 0 0 0
>=30 0 1 0 0 0 0
all 5 9 5 8 5 8
nil 51 56 41 38 44 45
<6 10 9 10 18 10 14
6-10 32 112 28 131 30 124
10-12 35 204 43 445 40 353
12-15 74 395 59 242 63 300
15-20 24 84 16 44 18 59
20-25 40 74 28 40 32 53
all
25-30 3 1 2 2 2 2
>=30 35 65 30 41 32 50
all 247 1000 213 1000 224 1000
estd. hhds.(00) 262532 574717 837249 - - -

Appendix A A-121
Table 5R: Number of households reporting outstanding cash loans as on 30.06.12 in specific rate of interest ranges per
thousand household for each household asset holding class
rural
rate of interest per 1000 no. of household of asset holding class reporting outstanding loan as on 30.06.12
range (%) 1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
credit agency: institutional
nil 0 0 2 4 2 3 2 4 3 8 3
less than 6 7 12 16 17 23 21 40 27 38 31 23
6-10 20 15 21 33 35 55 65 80 132 149 61
10-12 18 11 11 12 11 17 19 28 28 44 20
12-15 24 21 37 42 46 62 54 74 95 99 55
15-20 4 7 15 6 6 11 13 16 13 17 11
20-25 8 7 9 12 8 9 8 5 10 9 9
25-30 0 0 0 1 4 0 0 0 0 0 1
30 & above 1 3 2 1 3 4 2 6 4 3 3
all 79 74 108 124 130 169 191 222 292 326 172
est. no. of hhs.
(00) 21983 21491 27830 32944 37907 43421 47998 57901 68748 78693 438915
estd. hhs.
report. cash
loan (00) 12415 11528 16848 19342 20360 26425 29840 34597 45581 50886 267822
samp. hhs.
report. cash
loan 441 621 829 1122 1256 1452 1602 1957 2657 3161 15098
credit agency: non-institutional

nil 40 42 55 67 80 80 55 67 80 63 63
less than 6 2 9 6 6 4 7 6 4 6 7 6
6-10 0 1 1 1 2 1 0 1 1 2 1
10-12 2 4 4 3 1 3 2 1 1 1 2
12-15 1 1 2 2 2 4 3 4 3 6 3
15-20 8 1 2 2 2 5 6 10 8 8 5
20-25 23 33 42 42 62 61 56 64 62 43 49
25-30 0 1 2 1 1 0 4 1 3 1 1
30 & above 70 92 89 75 79 71 68 74 72 31 72
all 140 171 191 182 219 216 193 216 221 153 190
est. no. of hhs.
(00) 42075 48157 50793 52543 57346 54708 50776 55081 53690 40017 505186
estd. hhs.
report. cash
loan (00) 21928 26641 29747 28490 34145 33755 30154 33706 34528 23952 297046
samp. hhs.
report. cash
loan 917 1065 1324 1425 1527 1577 1467 1500 1642 1365 13809

Table 5R: Number of households reporting outstanding cash loans as on 30.06.12 in specific rate of interest ranges per
rural
range (%) 1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
credit agency: all
nil 40 42 56 71 81 83 56 70 83 71 65
less than 6 9 20 23 23 26 27 45 31 44 37 29
6-10 20 15 22 34 37 55 65 81 133 150 61
10-12 20 15 14 15 12 20 22 28 30 44 22
12-15 25 23 39 44 48 65 57 78 97 104 58
15-20 12 8 17 8 8 16 19 25 21 24 16
20-25 31 40 50 54 69 71 63 69 70 52 57
25-30 0 1 2 1 5 0 4 1 3 1 2
30 & above 70 94 90 76 80 74 70 77 74 33 74
all 196 223 271 275 309 330 327 373 426 413 314
est. no. of hhs.
(00) 156177 156137 156009 156345 156100 156064 156129 156159 156121 156147 1561387
estd. hhs.
report. cash
loan (00) 30634 34812 42205 42933 48310 51492 51040 58302 66574 64526 490826
samp. hhs.
report. cash
loan 1245 1543 1952 2282 2478 2649 2635 2995 3680 3973 25432

Appendix A A-123
Table 5U: Number of households reporting outstanding cash loans as on 30.06.12 in specific rate of interest ranges per
urban
range (%) 1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
credit agency: institutional
nil 0 1 1 2 2 3 1 7 5 3 2
less than 6 14 5 4 8 6 12 8 9 8 11 9
6-10 2 8 13 20 18 26 32 43 63 61 29
10-12 3 10 12 22 21 24 36 60 91 109 39
12-15 10 25 49 51 52 56 65 69 99 114 59
15-20 2 6 17 15 13 17 17 23 16 22 15
20-25 1 8 10 11 11 11 8 6 8 5 8
25-30 1 1 2 2 3 4 2 1 0 0 2
30 & above 1 3 2 3 2 4 3 2 2 1 2
all 34 62 106 125 121 140 157 189 256 291 148
est. no. of hhs.
(00) 5034 10342 15934 18410 17580 18479 19447 21333 27078 30699 184336
estd. hhs.
report. cash
loan (00) 2825 5165 8848 10454 10143 11745 13137 15811 21422 24335 123884
samp. hhs.
report. cash
loan 132 402 792 1101 1234 1482 1649 2067 2313 2361 13533
credit agency: non-institutional

nil 30 37 38 53 49 59 53 45 34 25 42
less than 6 2 0 1 3 2 1 3 1 1 2 2
6-10 0 0 2 1 2 1 1 2 1 1 1
10-12 0 2 2 1 2 2 2 1 2 1 2
12-15 2 3 9 6 6 4 5 7 3 7 5
15-20 3 3 2 4 4 5 5 3 4 4 4
20-25 13 24 32 39 29 29 26 22 19 14 25
25-30 0 0 0 0 1 1 1 0 2 0 1
30 & above 18 41 42 48 41 36 28 24 14 7 30
all 65 101 119 144 126 127 116 101 71 57 103
est. no. of hhs.
(00) 10573 16848 19195 21452 19103 18015 15909 13882 10173 7736 152887
estd. hhs.
report. cash
loan (00) 5409 8481 9963 12069 10536 10620 9724 8414 5961 4761 85938
samp. hhs.
report. cash
loan 420 698 900 1198 1192 1197 1003 850 676 459 8593

Table 5U: Number of households reporting outstanding cash loans as on 30.06.12 in specific rate of interest ranges per
urban
range (%) 1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
credit agency: all
nil 30 38 39 55 50 61 54 51 39 28 44
less than 6 16 5 5 11 8 14 11 11 9 13 10
6-10 3 8 15 22 20 26 33 45 63 62 30
10-12 3 13 14 24 23 26 38 61 93 110 40
12-15 12 27 59 55 58 60 69 74 101 119 63
15-20 6 9 20 19 16 22 22 26 21 26 18
20-25 14 31 42 50 40 39 33 27 25 20 32
25-30 1 1 2 2 4 5 3 1 2 0 2
30 & above 19 43 43 50 43 39 31 26 15 8 32
all 93 146 202 242 217 234 238 254 294 317 224
est. no. of hhs.
(00) 83716 83794 83651 83750 83704 83747 83721 83658 83783 83725 837249
estd. hhs.
report. cash
loan (00) 7821 12257 16865 20236 18135 19628 19897 21269 24641 26574 187322
samp. hhs.
report. cash
loan 526 996 1539 2102 2205 2433 2405 2669 2742 2629 20246

Appendix A A-125
Table 6R: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by rate of interest range for each household asset holding class and credit agency type
Rural
credit amount of loan (Rs.) per Rs.1000 of total outstanding loan amount of cash
rate of interest range (%)
agency 1 2 3 4 5 6 7 8 9 10 all loan (Rs.lakhs)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
nil 0 5 3 24 13 8 10 10 5 9 8 238336
less than 6 48 80 98 81 119 57 273 68 50 40 71 2018781
6-10 243 206 96 257 240 262 201 259 311 262 260 7390943
10-12 211 109 101 99 123 135 98 152 96 144 129 3664821
12-15 295 418 303 380 354 411 303 388 450 468 426 12114585
institutional
15-20 33 118 331 49 67 81 84 94 52 62 73 2081913

20-25 165 40 62 82 40 27 27 12 20 10 21 599621
25-30 1 1 0 7 23 0 0 0 0 0 1 34267
30 & above 5 23 6 21 20 19 4 15 16 5 10 281364
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 28424630
est. no. of hhs. (00) 426919 315001 749156 638220 1015130 1457729 2397073 2857899 5500964 13066539 28424630 -
estd. hhs. report. cash loan (00) 12415 11528 16848 19342 20360 26425 29840 34597 45581 50886 267822 -
samp. hhs. report. cash loan 441 621 829 1122 1256 1452 1602 1957 2657 3161 15098 -
nil 146 115 135 176 144 190 215 145 213 228 183 4090038
less than 6 18 42 20 19 23 17 30 11 11 39 23 511007
6-10 1 4 1 1 6 2 1 5 5 7 4 88742
10-12 5 8 11 12 8 13 6 1 9 3 7 154518
non-institutional
12-15 9 8 29 11 7 27 11 18 17 145 41 922055

15-20 144 6 28 23 21 43 39 70 58 90 56 1260364
20-25 259 250 253 359 365 389 346 394 350 314 339 7582107
25-30 1 2 2 2 3 4 9 2 20 3 6 129813
30 & above 416 565 522 398 424 315 342 354 317 171 341 7616309
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 22354952
est. no. of hhs. (00) 1088791 1061948 1405508 1812237 1919496 2200608 2094694 3023426 3344500 4403745 22354952 -

Table 6R: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by rate of interest range for each household asset holding class and credit agency type
Rural
agency rate of interest range (%)
1 2 3 4 5 6 7 8 9 10 all loan (Rs.lakhs)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
nil 0 5 3 24 13 8 10 10 5 9 8 238336
less than 6 48 80 98 81 119 57 273 68 50 40 71 2018781
6-10 243 206 96 257 240 262 201 259 311 262 260 7390943
10-12 211 109 101 99 123 135 98 152 96 144 129 3664821
12-15 295 418 303 380 354 411 303 388 450 468 426 12114585
15-20 33 118 331 49 67 81 84 94 52 62 73 2081913
all
20-25 165 40 62 82 40 27 27 12 20 10 21 599621

25-30 1 1 0 7 23 0 0 0 0 0 1 34267
30 & above 5 23 6 21 20 19 4 15 16 5 10 281364
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 28424630
est. no. of hhs. (00) 426919 315001 749156 638220 1015130 1457729 2397073 2857899 5500964 13066539 28424630 -

Appendix A A-127
Table 6U: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by rate of interest range for each household asset holding class and credit agency type
Urban
1 2 3 4 5 6 7 8 9 10 all loan (Rs.lakhs)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
nil 0 16 11 3 9 11 3 13 4 1 4 213289
less than 6 185 23 16 14 13 28 27 29 12 10 15 896395
6-10 96 95 129 219 112 141 170 201 235 95 145 8661269
10-12 107 257 166 113 295 231 354 412 423 459 416 24886470
12-15 439 453 442 493 408 413 310 253 287 365 341 20417772
institutional
15-20 119 88 158 95 102 107 80 75 29 63 62 3726763

20-25 30 51 66 39 45 34 33 10 5 7 12 724881
25-30 4 2 4 6 6 6 17 2 0 0 2 104768
30 & above 21 16 7 18 10 30 5 5 4 1 4 225319
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 59856927
est. no. of hhs. (00) 212147 394815 799382 1298159 1316151 1899653 3381812 6016095 12746084 31792627 59856927 -
nil 304 204 220 225 179 233 270 239 315 438 270 2968113
less than 6 26 2 17 18 7 11 9 5 12 12 11 118462
6-10 4 2 7 20 5 2 10 7 3 19 9 96497
10-12 4 6 11 3 15 19 22 4 18 12 12 136450
non-institutional
12-15 11 35 70 38 81 67 53 126 32 150 77 849625

15-20 56 37 22 28 27 91 50 35 66 26 43 476008
20-25 241 260 316 329 223 298 275 261 314 214 273 2999381
25-30 2 0 3 0 2 3 15 1 3 0 3 32969
30 & above 352 455 334 339 460 275 297 323 238 129 302 3317935
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 10995440
est. no. of hhs. (00) 255614 605174 879908 1082825 1187851 1178164 1266258 1602587 1368778 1568282 10995440 -

Table 6U: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by rate of interest range for each household asset holding class and credit agency type
Urban
1 2 3 4 5 6 7 8 9 10 all loan (Rs.lakhs)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
nil 0 16 11 3 9 11 3 13 4 1 4 213289
less than 6 185 23 16 14 13 28 27 29 12 10 15 896395
6-10 96 95 129 219 112 141 170 201 235 95 145 8661269
10-12 107 257 166 113 295 231 354 412 423 459 416 24886470
12-15 439 453 442 493 408 413 310 253 287 365 341 20417772
15-20 119 88 158 95 102 107 80 75 29 63 62 3726763
all
20-25 30 51 66 39 45 34 33 10 5 7 12 724881
25-30 4 2 4 6 6 6 17 2 0 0 2 104768
30 & above 21 16 7 18 10 30 5 5 4 1 4 225319
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 59856927
est. no. of hhs. (00) 212147 394815 799382 1298159 1316151 1899653 3381812 6016095 12746084 31792627 59856927 -

Appendix A A-129
Table 7: Per 1000 household reporting cash loans outstanding and per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by credit agency for major household type
rural urban
cultivator non-cultivator all self-employed others all
cash loan cash loan cash loan cash loan cash loan cash loan
per 1000 per 1000 per 1000 per 1000 per 1000 per 1000
credit agency (Rs.) per (Rs.) per (Rs.) per (Rs.) per (Rs.) per (Rs.) per
no. of hh no. of hh no. of hh no. of hh no. of hh no. of hh
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
report. report. report. report. report. report.
of total of total of total of total of total total cash
cash loan cash loan cash loan cash loan cash loan loan
outstand. outstand. outstand. outstand. outstand. outstand.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Andhra Pradesh
Govt. 11 8 8 12 9 9 8 7 4 3 5 5
co-op. society/bank 134 180 24 31 73 131 81 337 55 207 61 265
commercial bank incl. RRB 135 226 57 140 92 198 123 265 81 444 92 364
insurance 1 1 2 1 1 1 4 2 3 3 4 2
provident fund 0 0 0 0 0 0 0 0 1 0 0 0
financial corp./institution 3 5 15 8 10 6 13 21 6 4 8 12
financial company 9 8 1 5 5 7 22 18 10 12 13 15
self-help group-bank linked 217 54 190 99 202 69 165 25 103 26 119 26
self-help group - NBFC 1 0 0 0 0 0 1 0 2 0 2 0
other institutional agencies 2 0 4 1 3 1 5 8 0 0 2 4
all institutional agencies 434 482 287 298 352 421 379 683 241 700 277 693
landlord 3 8 2 3 3 6 1 2 1 1 1 2
agricultural moneylender 69 90 37 51 51 77 16 8 5 4 8 6
professional moneylender 279 403 185 573 227 459 255 280 176 272 196 276
input supplier 1 3 1 1 1 2 3 4 0 0 1 2
relatives and friends 33 10 100 73 70 31 46 17 33 20 36 19
doc., lawyers & other prof. 0 0 0 0 0 0 0 0 1 0 1 0
others 8 4 2 2 5 4 5 5 3 3 4 4
all non-inst. agencies 368 518 285 702 322 579 287 317 199 300 222 307
all 628 1000 471 1000 541 1000 513 1000 359 1000 398 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Arunachal Pradesh
Govt. 10 184 9 148 9 175 3 75 23 239 19 234
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 3 4 3 4
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 10 41 10 125 10 62 21 147 7 35 9 38
all 54 1000 41 1000 52 1000 84 1000 151 1000 140 1000

Appendix A A-131
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Assam
Govt. 2 19 5 255 3 116 2 10 8 49 6 36
insurance 0 0 0 1 0 0 0 0 1 1 0 1
provident fund 4 14 8 23 5 18 1 2 1 7 1 5
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 1 3 0 0 1 2 0 0 0 0 0 0
others 3 20 12 37 6 27 9 4 6 13 7 10
all 93 1000 116 1000 101 1000 224 1000 156 1000 176 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Bihar
Govt. 7 19 0 1 4 13 2 25 1 13 1 18
insurance 0 0 0 0 0 0 5 20 2 8 3 13
provident fund 0 1 0 0 0 1 0 0 0 1 0 1
landlord 23 84 14 82 19 84 1 9 4 12 3 11
input supplier 1 1 0 0 0 1 0 0 0 0 0 0
others 3 5 9 12 5 7 7 9 6 8 6 9
all 314 1000 260 1000 291 1000 157 1000 121 1000 132 1000

Appendix A A-133
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Chhattisgarh
Govt. 3 15 0 1 3 12 0 0 13 301 9 118
insurance 0 0 0 0 0 0 0 0 1 2 0 1
provident fund 0 0 0 0 0 0 0 0 1 20 1 8
landlord 14 21 0 0 10 17 0 0 0 0 0 0
input supplier 1 2 0 0 0 1 0 0 0 0 0 0
others 1 14 3 12 2 14 1 0 2 0 1 0
all 162 1000 77 1000 139 1000 120 1000 116 1000 118 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Delhi
Govt. 0 0 0 0 0 0 3 200 0 4 1 47
insurance 0 0 0 0 0 0 1 5 0 1 1 1
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 1 5 0 1 1 2
all 30 1000 34 1000 33 1000 59 1000 54 1000 56 1000

Appendix A A-135
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Goa
Govt. 0 0 1 8 1 8 5 3 12 122 10 80
insurance 0 0 0 0 0 0 0 0 4 1 3 1
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 4 1 4 1 7 39 0 0 2 14
all 155 1000 172 1000 170 1000 139 1000 175 1000 167 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Gujarat
Govt. 4 31 3 7 4 25 9 18 45 94 34 67
insurance 0 0 0 0 0 0 1 0 1 1 1 1
provident fund 0 0 0 0 0 0 0 0 1 1 1 1
landlord 0 0 1 2 0 0 1 1 0 0 1 0
input supplier 0 1 1 3 0 1 2 2 0 0 1 1
others 8 9 1 1 6 7 2 1 3 2 3 2
all 301 1000 175 1000 260 1000 201 1000 191 1000 194 1000

Appendix A A-137
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Haryana
Govt. 9 30 1 21 6 29 6 18 4 15 5 16
insurance 0 0 0 0 0 0 1 1 0 5 0 3
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 1 1 0 3 1 1 0 0 0 0 0 0
input supplier 6 2 2 6 4 3 1 0 1 0 1 0
others 2 9 16 80 8 22 6 8 2 7 3 7
all 298 1000 158 1000 239 1000 144 1000 119 1000 125 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Himachal Pradesh
Govt. 1 3 0 0 1 2 0 0 3 3 2 1
insurance 0 1 4 0 1 1 0 0 0 0 0 0
provident fund 1 1 0 0 0 0 0 0 0 0 0 0
landlord 1 1 0 0 0 1 2 2 0 0 1 1
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 3 11 0 0 3 7 1 0 0 0 0 0
all 290 1000 144 1000 260 1000 227 1000 216 1000 219 1000

Appendix A A-139
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Jammu & Kashmir
Govt. 1 48 4 92 2 55 4 6 68 423 46 212
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 7 0 0 0 5 0 0 58 139 38 69
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 2 1 1 0 1 2 2 2 5 2 3
all 136 1000 79 1000 127 1000 281 1000 176 1000 212 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Jharkhand
Govt. 4 10 5 36 4 13 2 33 5 88 4 67
insurance 0 0 0 0 0 0 0 0 3 32 2 19
provident fund 0 0 0 0 0 0 0 0 6 68 4 42
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 2 11 0 0 2 10 0 0 0 0 0 0
others 2 6 5 5 3 6 2 1 0 3 1 2
all 200 1000 119 1000 185 1000 176 1000 91 1000 116 1000

Appendix A A-141
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Karnataka
Govt. 10 12 5 19 8 14 2 2 5 27 4 15
insurance 2 0 1 0 1 0 0 0 2 9 2 5
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 1 1 1 12 1 4 1 0 0 0 0 0
input supplier 2 1 0 0 1 1 1 4 0 0 0 2
others 20 28 14 36 18 30 5 5 11 15 9 10
all 518 1000 396 1000 464 1000 365 1000 229 1000 265 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Kerala
Govt. 3 3 9 20 5 7 1 3 15 26 11 17
insurance 3 6 0 0 2 5 0 0 6 8 5 5
provident fund 1 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 1 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 1 0 0 0 0 0
others 11 1 13 13 12 4 11 3 7 2 8 3
all 535 1000 414 1000 495 1000 557 1000 440 1000 470 1000

Appendix A A-143
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Madhya Pradesh
Govt. 10 20 1 2 8 18 5 7 4 24 4 17
insurance 0 0 0 0 0 0 0 0 6 447 4 256
provident fund 0 0 0 0 0 0 0 0 1 5 1 3
landlord 1 1 1 2 1 1 2 2 2 3 2 2
input supplier 1 1 0 0 0 1 0 0 0 0 0 0
others 2 9 6 54 3 16 1 0 1 2 1 1
all 285 1000 159 1000 247 1000 187 1000 135 1000 153 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Maharashtra
Govt. 7 11 2 9 5 10 4 31 5 16 5 20
insurance 1 1 1 1 1 1 1 1 3 11 2 8
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 3 3 1 3 2 3 0 0 0 0 0 0
input supplier 2 2 0 0 1 2 0 0 0 0 0 0
others 1 4 3 5 2 4 0 0 1 1 1 1
all 415 1000 178 1000 313 1000 197 1000 185 1000 189 1000

Appendix A A-145
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Manipur
Govt. 3 124 1 56 2 110 0 5 5 254 3 158
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 6 39 4 53 6 42 5 12 4 18 5 16
all 113 1000 54 1000 99 1000 69 1000 67 1000 68 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Meghalaya
Govt. 0 17 0 0 0 13 2 17 2 3 2 6
insurance 0 0 0 0 0 0 0 0 1 1 0 1
provident fund 0 0 0 0 0 0 0 0 1 1 1 1
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 2 51 0 0 2 41 4 4 2 3 3 3
all 29 1000 12 1000 25 1000 48 1000 88 1000 77 1000

Appendix A A-147
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Mizoram
Govt. 14 456 56 722 20 574 9 112 102 327 67 306
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 2 0 0 0 1 0 0 3 6 2 6
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 4 0 0 0 2 0 0 0 0 0 0
others 0 2 0 0 0 1 0 0 2 4 1 3
all 39 1000 133 1000 53 1000 68 1000 214 1000 159 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Nagaland
Govt. 0 0 0 28 0 3 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 1 1 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 1 0 0 0 1 0 0 0 0 0 0
others 3 43 1 11 3 39 2 88 3 18 2 26
all 18 1000 6 1000 15 1000 20 1000 34 1000 30 1000

Appendix A A-149
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Odisha
Govt. 1 6 2 7 1 6 0 0 2 5 1 1
insurance 0 11 0 0 0 7 0 0 0 0 0 0
provident fund 3 10 2 12 2 11 0 0 1 5 1 1
landlord 0 0 3 1 1 0 0 0 0 0 0 0
input supplier 3 9 0 0 2 5 0 0 2 3 1 0
others 11 13 6 17 9 15 10 3 13 47 12 9
all 297 1000 184 1000 257 1000 192 1000 184 1000 187 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Punjab
Govt. 8 22 0 0 4 17 1 3 5 23 3 15
insurance 0 0 0 0 0 0 0 0 1 1 0 1
provident fund 0 0 1 22 1 5 0 0 2 7 1 4
landlord 8 5 7 58 7 17 0 0 7 21 4 12
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 16 11 20 59 18 22 2 13 1 1 1 6
all 388 1000 290 1000 331 1000 198 1000 175 1000 183 1000

Appendix A A-151
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Rajasthan
Govt. 3 8 2 8 3 8 2 5 5 10 4 8
insurance 0 0 0 0 0 0 3 9 3 16 3 13
provident fund 0 0 0 0 0 0 0 0 1 1 1 1
landlord 1 3 2 10 1 4 0 0 0 0 0 0
input supplier 1 2 0 0 1 2 0 0 0 2 0 1
others 9 19 2 3 8 17 3 6 1 5 2 6
all 406 1000 245 1000 374 1000 237 1000 219 1000 226 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Sikkim
Govt. 3 6 34 216 14 67 39 65 5 27 13 34
insurance 0 2 2 26 1 9 0 0 3 86 2 71
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 4 3 2 4 4 3 0 0 1 4 0 4
all 62 1000 87 1000 71 1000 145 1000 91 1000 103 1000

Appendix A A-153
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Tamil Nadu
Govt. 1 3 2 6 2 5 3 9 4 12 4 11
insurance 1 0 3 2 2 1 1 5 6 30 5 21
provident fund 1 1 0 1 1 1 0 0 8 9 5 5
landlord 0 1 1 1 1 1 1 2 0 0 0 1
input supplier 0 0 0 0 0 0 2 1 0 0 0 0
others 6 7 7 9 6 8 6 3 8 8 8 6
all 496 1000 335 1000 397 1000 404 1000 327 1000 348 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Telangana
Govt. 10 2 4 7 7 3 0 0 4 1 3 0
insurance 0 1 2 9 1 3 3 18 1 3 2 11
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 7 10 1 4 5 8 0 0 0 0 0 0
input supplier 1 1 0 0 0 1 1 1 0 0 0 1
others 1 0 3 17 2 5 5 2 5 3 5 2
all 690 1000 479 1000 591 1000 389 1000 268 1000 305 1000

Appendix A A-155
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Tripura
Govt. 4 22 11 74 8 53 2 1 5 17 4 12
insurance 1 3 0 0 0 1 1 14 1 0 1 5
provident fund 1 5 2 35 1 23 0 0 8 56 6 38
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 14 102 31 131 24 119 67 87 21 18 36 40
all 120 1000 86 1000 100 1000 158 1000 112 1000 127 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Uttarakhand
Govt. 15 23 1 0 10 11 0 0 2 2 1 1
insurance 2 2 0 0 1 1 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 3 3 0 0 2 1 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 1 0 0 0 1 0 0 0 1 0
all 314 1000 146 1000 258 1000 98 1000 192 1000 139 1000

Appendix A A-157
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Uttar Pradesh
Govt. 4 10 1 3 3 9 1 1 3 3 2 2
insurance 0 3 0 0 0 3 1 0 1 7 1 6
provident fund 0 0 0 0 0 0 0 0 2 1 1 1
landlord 5 6 2 18 4 8 0 0 0 0 0 0
input supplier 0 1 1 21 0 3 1 2 0 0 0 0
others 16 37 9 42 14 38 6 8 11 10 9 9
all 322 1000 218 1000 296 1000 172 1000 201 1000 189 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
West Bengal
Govt. 2 12 3 93 2 37 3 4 4 31 4 21
insurance 4 2 0 0 2 2 4 18 2 13 3 15
provident fund 0 4 0 3 0 3 0 0 3 34 2 22
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 1 2 0 1 0 0 0 0 0 0
others 16 36 9 36 13 36 3 6 7 8 5 8
all 303 1000 162 1000 236 1000 187 1000 126 1000 147 1000

Appendix A A-159
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
A & N Islands
Govt. 18 81 0 0 10 38 0 0 19 8 16 6
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 11 6 9 5
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 11 20 10 16 11 18 74 6 1 1 13 2
all 200 1000 144 1000 177 1000 395 1000 287 1000 306 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Chandigarh
Govt. 0 0 1 14 1 12 44 431 39 299 40 333
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 13 0 12 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0 0
all 31 1000 39 1000 38 1000 104 1000 132 1000 123 1000

Appendix A A-161
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Dadra & N. Haveli
Govt. 0 0 0 0 0 0 5 0 1 0 2 0
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 1 0 0 0 1 0 0 0 0 0 0
all 62 1000 12 1000 48 1000 330 1000 136 1000 187 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Daman & Diu
Govt. 0 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 2 2 2 1
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0 0
all 203 1000 150 1000 167 1000 84 1000 71 1000 73 1000

Appendix A A-163
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Lakshadweep
Govt. 8 135 0 0 6 112 0 0 1 2 1 1
insurance 0 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 8 2 6 2
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0 0
all 80 1000 64 1000 77 1000 315 1000 289 1000 294 1000

rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Puducherry
Govt. 0 0 0 0 0 0 0 0 18 38 14 29
insurance 0 0 0 0 0 0 8 1 3 5 4 4
provident fund 0 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0 0
others 21 89 6 58 8 62 12 2 5 12 7 10
all 378 1000 416 1000 409 1000 469 1000 390 1000 406 1000

Appendix A A-165
rural urban
Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000 of
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
All India
Govt. 5 11 3 15 4 12 3 11 8 23 6 18
insurance 1 2 1 1 1 2 1 4 3 24 2 16
provident fund 0 1 0 2 0 1 0 0 2 4 2 3
landlord 4 7 3 10 4 7 0 1 1 1 1 1
input supplier 1 1 0 2 1 1 1 1 0 0 0 0
others 9 13 7 18 8 14 4 4 5 5 5 5
all 350 1000 256 1000 314 1000 247 1000 213 1000 224 1000

Table 8R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by credit agency for different ranges of interest rate
Rural
per 1000 no. of hh with outstanding loan taken from specific credit agency type among hhs reporting outstanding no. of hhs reporting
loan taken at interest rate cash loan
credit agency
estd.
nil <6 6-10 10-12 12-15 15-20 20-25 25-30 >30 sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All-India
Govt. 1 15 16 11 11 6 3 0 0 6593 575
co-op. society/bank 19 178 264 178 236 187 12 1 2 107886 5665
commercial bank incl. RRB 2 154 286 232 206 105 10 72 2 102853 6911
insurance 0 2 1 8 1 2 0 0 0 1124 66
provident fund 2 0 2 0 0 0 0 0 0 655 39
financial corp./institution 0 1 6 8 7 15 2 7 1 3569 227
financial company 0 0 2 21 8 42 5 6 2 5292 262
self-help group-bank linked 0 104 41 111 126 41 33 19 6 47073 1446
self-help group - NBFC 0 10 5 14 10 7 12 20 3 6461 378
other institutional agencies 0 6 2 7 7 14 9 12 6 5300 287
all institutional agencies 23 463 610 583 587 413 85 136 22 267822 15098
landlord 0 7 0 0 0 2 4 16 21 5551 193
agricultural moneylender 0 20 1 8 3 20 69 84 79 29800 1159
professional moneylender 1 64 6 46 20 170 400 210 438 161175 6338
input supplier 0 2 0 0 0 1 2 0 3 1034 66
relatives and friends 506 0 0 0 0 0 0 0 0 98001 5834
doc., lawyers & other prof. 0 7 0 0 0 1 2 1 8 2530 114
others 0 16 2 11 7 6 19 25 33 12799 728
all non-inst. agencies 506 113 9 65 31 198 490 335 574 297046 13809
all 527 569 617 648 615 603 571 471 589 490826 25432

Appendix A A-167
Table 8U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by credit agency for different ranges of interest rate
Urban
per 1000 no. of hh with outstanding loan taken from specific credit agency type among hhs reporting outstanding no. of hhs reporting
loan taken at interest rate cash loan
credit agency
estd.
nil <6 6-10 10-12 12-15 15-20 20-25 25-30 >30 sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All-India
Govt. 2 135 41 14 11 8 1 0 0 5337 614
insurance 0 5 17 15 5 1 0 0 0 1891 225
provident fund 15 1 4 1 0 0 0 0 0 1261 130
landlord 0 9 0 0 0 0 3 0 3 421 29
input supplier 0 0 0 0 1 2 1 2 2 264 31
others 0 24 8 7 6 8 18 23 31 3932 521
all 526 611 697 736 635 572 537 468 565 187322 20246

Table 9R: Per Rs.1000 break-up of amount of cash loans outstanding by credit agency for different ranges of interest rate
Rural
amount of outstanding loan (Rs.) taken from specific credit agency type per Rs.1000 of total outstanding loan no. of hhs reporting
bearing interest at rate cash loan
credit agency
estd.
nil <6 6-10 10-12 12-15 15-20 20-25 25-30 >30 sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All-India
Govt. 7 29 25 29 13 4 3 0 0 6593 575
insurance 0 1 1 10 3 1 0 0 0 1124 66
provident fund 5 0 2 0 0 0 0 0 0 655 39
landlord 0 5 0 0 0 4 7 24 37 5551 193
input supplier 0 6 0 0 0 1 2 0 3 1034 66
others 0 17 2 8 4 3 27 11 45 12799 728
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 490826 25432

Appendix A A-169
Table 9U: Per Rs.1000 break-up of amount of cash loans outstanding by credit agency for different ranges of interest rate
Urban
amount of outstanding loan (Rs.) taken from specific credit agency type per Rs.1000 of total outstanding loan no. of hhs reporting
bearing interest at rate cash loan
credit agency
estd.
nil <6 6-10 10-12 12-15 15-20 20-25 25-30 >30 sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All-India
Govt. 3 216 54 9 16 7 1 0 0 5337 614
insurance 0 15 81 12 5 1 0 0 0 1891 225
provident fund 38 3 3 0 1 0 0 0 0 1261 130
landlord 0 16 0 0 0 0 2 0 3 421 29
input supplier 0 0 0 0 0 2 4 8 1 264 31
others 0 25 4 1 2 7 13 22 37 3932 521
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 187322 20246

Appendix A A-170
Table 10R: Number of households reporting cash loans outstanding as on 30.06.12 from specific types of credit agency per thousand household for each household asset
holding class
Rural
per 1000 no. of household of asset holding class with outstanding loan as on 30.06.12
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Andhra Pradesh
Govt. 0 4 16 5 17 33 1 19 17 0 9
insurance 0 0 0 0 2 13 3 0 0 0 1
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 2 6 11 3 0 0 0 0 3 0 3
input supplier 1 0 0 0 0 0 3 0 2 0 1
others 3 0 4 2 10 9 5 0 3 33 5
all 315 550 498 567 594 644 680 711 836 910 541

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Arunachal Pradesh
Govt. 0 0 0 7 12 11 46 10 8 0 9
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 11 0 0 11 28 46 5 10
all 0 40 11 20 20 27 85 93 202 54 52

Appendix A A-172
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Assam
Govt. 0 2 1 0 2 3 5 3 12 0 3
insurance 0 0 0 0 1 0 0 0 0 0 0
provident fund 49 1 0 1 1 0 0 0 1 0 5
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 3 4 0 0 0 1
others 6 27 3 5 5 4 0 3 1 6 6
all 100 109 108 108 107 75 66 79 159 222 101

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Bihar
Govt. 0 0 1 1 2 0 9 4 30 6 4
insurance 0 0 0 0 0 0 0 1 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 5 0
landlord 23 16 6 42 16 7 54 8 9 6 19
input supplier 0 0 0 0 0 0 4 0 0 0 0
others 1 8 1 4 2 1 4 2 25 5 5
all 297 290 285 279 322 226 304 273 327 368 291

Appendix A A-174
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Chhattisgarh
Govt. 1 0 0 4 9 1 0 0 1 6 3
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 36 0 0 60 10
input supplier 0 0 0 0 0 4 0 0 0 0 0
others 6 0 0 0 0 0 1 0 4 9 2
all 49 55 73 68 101 169 223 152 128 354 139

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Delhi
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 3 0 0 0 0 1000 0 152 77 22 33

Appendix A A-176
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Goa
Govt. 0 0 0 0 0 0 0 0 4 0 1
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 14 0 0 31 0 4 0 0 0 0 4
all 25 153 49 61 382 37 115 401 218 419 170

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Gujarat
Govt. 0 0 0 0 4 0 2 7 6 8 4
insurance 0 0 0 1 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 3 2 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 2 2 0 0
others 0 0 0 1 0 0 0 0 2 24 6
all 110 79 202 189 249 247 178 222 276 442 260

Appendix A A-178
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Haryana
Govt. 0 0 0 0 0 4 0 12 2 10 6
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 8 0 3 0 0 0 0 0 0 1
input supplier 0 0 0 0 0 7 0 7 0 8 4
others 304 78 3 4 0 2 18 2 8 1 8
all 423 133 209 129 365 201 259 143 262 258 239

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Himachal Pradesh
Govt. 0 0 0 0 0 0 0 1 0 2 1
insurance 0 56 0 0 0 0 0 0 0 1 1
provident fund 0 0 0 0 0 0 0 0 0 1 0
landlord 0 0 0 0 0 0 0 0 2 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 2 8 3
all 159 93 145 198 232 261 156 259 356 310 260

Appendix A A-180
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Jammu & Kashmir
Govt. 0 0 5 0 0 0 0 3 1 3 2
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 1 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 6 0 0 0 1 0 0
all 1 0 10 34 140 49 106 131 119 205 127

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Jharkhand
Govt. 0 6 0 5 5 5 5 1 11 0 4
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 1 0 0 0 0 0 0 0
input supplier 0 0 4 0 2 8 0 0 0 0 2
others 22 0 0 0 0 0 6 11 4 0 3
all 42 42 154 146 235 215 241 388 330 108 185

Appendix A A-182
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Karnataka
Govt. 6 7 0 2 19 5 8 5 13 10 8
insurance 0 0 0 0 7 0 0 2 0 0 1
provident fund 0 0 0 0 0 0 1 0 0 0 0
landlord 0 2 6 0 0 1 1 0 2 0 1
input supplier 0 0 0 0 0 0 9 0 0 0 1
others 2 4 26 18 11 13 28 1 62 5 18
all 163 242 378 375 476 597 506 515 631 480 464

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Kerala
Govt. 0 0 0 0 0 2 0 10 7 7 5
insurance 0 0 0 0 0 4 4 0 0 4 2
provident fund 0 0 0 0 0 0 0 0 0 1 0
landlord 0 0 0 0 0 0 0 0 1 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 3 7 0 0 0 9 20 10 11 15 12
all 182 306 322 363 374 359 555 530 600 532 495

Appendix A A-184
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Madhya Pradesh
Govt. 2 4 2 3 6 4 1 4 5 45 8
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 2 0 2 3 1 0 2 1
input supplier 0 0 0 0 0 4 0 0 0 1 0
others 4 13 1 1 0 0 0 6 4 4 3
all 161 187 130 153 145 277 323 398 397 390 247

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Maharashtra
Govt. 0 2 0 2 5 4 5 9 13 5 5
insurance 0 0 1 1 0 0 0 1 1 2 1
provident fund 0 0 0 0 0 0 0 0 1 0 0
landlord 4 0 1 2 1 2 4 1 1 5 2
input supplier 0 1 5 0 1 0 2 0 1 1 1
others 1 11 1 1 1 4 0 1 2 1 2
all 68 110 248 166 259 360 370 404 482 513 313

Appendix A A-186
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Manipur
Govt. 0 8 0 0 1 2 7 3 2 0 2
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 62 0 4 15 1 4 2 2 0 5 6
all 199 124 117 129 84 103 112 66 49 49 99

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Meghalaya
Govt. 0 0 0 1 0 1 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 1 1 4 0 0 0 2 10 0 2
all 7 4 5 18 28 36 21 94 46 45 25

Appendix A A-188
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Mizoram
Govt. 0 4 0 38 32 6 24 80 97 65 20
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 2 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 2 0 0 0 0 0 0 0 0
others 0 0 0 0 0 2 0 0 0 0 0
all 5 29 21 49 88 51 80 149 208 69 53

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Nagaland
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 4 0 0 0 0 1 1 4 4 0 3
all 4 0 0 0 5 4 5 16 21 40 15

Appendix A A-190
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Odisha
Govt. 0 0 3 1 2 0 3 0 0 39 1
insurance 0 0 0 0 0 0 0 0 6 0 0
provident fund 0 0 0 0 14 0 0 14 0 0 2
landlord 3 2 0 0 1 0 0 0 0 0 1
input supplier 0 5 2 1 0 1 3 9 0 0 2
others 12 19 7 3 10 7 4 0 3 0 9
all 133 246 226 281 305 271 370 308 516 774 257

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Punjab
Govt. 0 0 0 0 0 0 0 4 4 9 4
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 9 0 0 1
landlord 0 11 0 0 25 19 5 0 0 10 7
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 4 0 40 8 42 0 57 11 0 19 18
all 129 256 337 293 356 488 280 301 338 354 331

Appendix A A-192
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Rajasthan
Govt. 0 0 0 1 0 4 2 2 5 10 3
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 5 0 4 4 0 5 0 0 0 0 1
input supplier 0 0 0 0 0 4 1 0 2 0 1
others 6 3 12 1 4 9 21 7 8 1 8
all 356 226 372 281 322 449 337 439 450 374 374

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Sikkim
Govt. 1 0 200 0 3 8 6 0 0 3 14
insurance 0 0 0 0 0 0 0 0 0 19 1
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 1 10 6 4 7 5 3 2 4
all 3 27 208 16 37 29 57 51 165 361 71

Appendix A A-194
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tamil Nadu
Govt. 1 2 4 2 0 1 1 0 3 0 2
insurance 0 0 1 3 0 0 0 0 16 0 2
provident fund 0 0 0 0 0 0 3 0 0 6 1
landlord 3 0 2 0 0 0 0 0 0 0 1
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 2 8 3 2 11 4 6 7 16 5 6
all 298 270 351 327 386 473 467 409 513 598 397

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Telangana
Govt. 0 0 0 12 1 18 20 0 9 16 7
insurance 0 0 0 2 2 0 0 0 5 0 1
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 1 0 5 4 0 6 3 25 0 0 5
input supplier 0 0 0 0 0 0 0 0 4 0 0
others 4 1 5 0 6 3 0 2 0 0 2
all 240 256 646 650 705 576 612 767 805 679 591

Appendix A A-196
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tripura
Govt. 3 10 3 25 2 8 10 2 0 0 8
insurance 0 1 0 0 0 0 0 0 3 0 0
provident fund 0 0 0 0 1 1 15 11 0 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 2 9 43 8 39 12 25 130 15 18 24
all 37 59 114 98 160 143 67 200 121 77 100

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Uttarakhand
Govt. 0 0 0 0 48 0 0 28 0 21 10
insurance 2 0 0 0 0 0 8 0 0 0 1
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 10 10 0 0 0 0 2
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 1 0 0 0 0 0 0 1 0 0 0
all 17 134 264 197 474 295 214 156 265 700 258

Appendix A A-198
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Uttar Pradesh
Govt. 3 3 0 2 3 1 7 3 6 2 3
insurance 0 0 0 0 0 1 1 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 1 2 5 7 3 7 7 8 3 0 4
input supplier 0 0 0 0 0 4 0 0 0 0 0
others 3 8 17 10 35 17 11 14 12 14 14
all 158 239 262 304 272 291 246 354 367 336 296

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
West Bengal
Govt. 0 2 1 0 2 5 0 12 7 0 2
insurance 0 0 0 0 1 4 0 22 0 1 2
provident fund 0 0 0 0 0 0 0 3 1 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 1 1 0 0 0 0 0 0 0 0 0
others 8 18 15 25 5 6 26 0 8 0 13
all 189 155 234 255 276 207 252 353 370 290 236

Appendix A A-200
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A & N Islands
Govt. 0 0 0 0 62 24 33 5 0 0 10
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 24 0 0 0 22 31 16 0 11
all 88 524 356 338 119 119 162 128 114 467 177

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Chandigarh
Govt. 0 0 0 0 0 0 0 38 0 2 1
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 57 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 3 0 11 0 9 169 0 138 660 113 38

Appendix A A-202
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Dadra & N. Haveli
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 1 0
all 2 0 28 27 429 34 30 24 110 73 48

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Daman & Diu
Govt. 0 0 0 0 1 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 109 0 0 0 0 0 0 0 0 0
all 48 109 78 261 14 24 169 184 257 897 167

Appendix A A-204
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Lakshadweep
Govt. 0 0 0 0 0 0 8 0 15 4 6
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 0 1000 0 0 106 110 56 54 75 120 77

holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Puducherry
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 410 0 0 0 0 10 20 8
all 130 1000 203 410 0 699 645 438 553 575 409

Appendix A A-206
holding class
Rural
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All India
Govt. 1 2 2 2 5 4 5 5 9 8 4
insurance 0 0 0 0 1 1 1 2 1 1 1
provident fund 2 0 0 0 1 0 0 1 0 0 0
landlord 3 4 3 6 2 3 7 3 2 3 4
input supplier 0 1 1 0 0 2 1 0 1 1 1
others 5 10 8 6 10 7 11 6 11 9 8
all 196 223 271 275 309 330 327 373 426 413 314

Table 10U: Number of households reporting cash loans outstanding as on 30.06.12 from specific types of credit agency per thousand households for each household asset
holding class
Urban
per 1000 no. of households of asset holding class with outstanding loan as on 30.06.12
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Andhra Pradesh
Govt. 0 0 0 24 16 6 0 0 0 0 5
insurance 0 0 7 6 1 0 7 0 14 7 4
provident fund 0 0 0 1 0 0 0 0 6 0 0
landlord 0 0 0 9 0 3 0 0 0 0 1
input supplier 0 0 0 0 0 4 9 0 0 0 1
others 2 4 0 3 10 11 1 0 1 6 4
all 91 409 442 556 459 475 504 460 551 452 398

Appendix A A-208
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Arunachal Pradesh
Govt. 0 0 3 6 21 36 7 58 13 0 19
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 4 9 0 0 2 0 0 3
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 57 0 3 17 7 3 0 15 0 0 9
all 57 0 5 92 192 138 122 274 300 574 140

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Assam
Govt. 0 0 0 0 3 1 8 6 46 0 6
insurance 0 0 0 0 1 0 0 3 0 0 0
provident fund 0 0 0 0 0 4 3 2 3 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 2 9 14 5 9 16 7 7 0 7
all 7 47 60 84 173 91 322 217 243 321 176

Appendix A A-210
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Bihar
Govt. 0 0 0 0 0 5 1 1 3 7 1
insurance 0 0 4 2 0 2 3 2 19 4 3
provident fund 0 0 0 0 1 1 0 0 0 0 0
landlord 0 0 0 0 9 0 9 3 3 0 3
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 5 0 9 5 0 21 1 2 6 6
all 4 62 234 140 64 199 148 197 143 182 132

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Chhattisgarh
Govt. 0 0 18 0 0 0 2 0 7 77 9
insurance 0 0 0 0 0 0 2 2 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 11 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 12 3 1 1 0 0 0 1
all 27 128 60 180 84 80 96 267 119 255 118

Appendix A A-212
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Delhi
Govt. 0 0 0 0 0 0 10 0 1 0 1
insurance 0 0 0 0 0 3 0 0 0 3 1
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 1 0 0 0 0 0 1 1 0 2 1
all 54 28 41 22 102 105 57 41 61 85 56

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Goa
Govt. 0 0 0 0 0 16 25 8 0 0 10
insurance 0 0 0 0 0 16 0 0 0 0 3
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 8 0 0 0 0 2
all 0 18 93 162 69 179 213 149 181 297 167

Appendix A A-214
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Gujarat
Govt. 134 23 22 21 5 6 4 10 16 69 34
insurance 0 1 0 1 1 1 1 2 0 1 1
provident fund 0 0 0 0 1 2 2 2 0 0 1
landlord 0 0 1 0 1 0 2 1 0 0 1
input supplier 0 0 0 0 0 0 0 6 0 0 1
others 3 14 4 4 0 0 1 3 0 0 3
all 164 87 188 233 112 116 163 204 272 448 194

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Haryana
Govt. 0 0 0 3 7 0 0 6 44 7 5
insurance 0 0 0 0 0 0 0 0 5 1 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 3 0 0 0 0
input supplier 0 0 0 5 0 7 0 2 0 0 1
others 0 0 0 6 5 7 1 0 9 6 3
all 2 13 71 119 153 209 315 156 279 212 125

Appendix A A-216
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Himachal Pradesh
Govt. 0 0 0 0 0 0 4 0 0 12 2
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 1 0 0
landlord 0 0 0 10 0 0 0 0 0 0 1
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 5 0 0 0 0 2 0
all 6 57 12 76 87 230 98 488 399 377 219

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Jammu & Kashmir
Govt. 0 0 0 0 0 0 0 5 226 22 46
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 209 0 38
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 8 0 5 2 2 2
all 21 68 78 22 215 130 353 170 382 251 212

Appendix A A-218
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Jharkhand
Govt. 0 5 0 0 4 0 10 11 20 0 4
insurance 0 10 0 0 0 0 6 1 15 0 2
provident fund 0 0 0 0 5 4 8 5 11 41 4
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 2 0 0 0 4 0 0 0 1
all 27 20 52 55 89 169 245 128 178 331 116

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Karnataka
Govt. 0 0 4 1 3 18 3 3 14 3 4
insurance 0 0 1 3 1 0 4 5 0 6 2
provident fund 0 0 0 0 0 0 0 0 0 2 0
landlord 0 0 0 0 0 0 0 2 0 0 0
input supplier 0 0 0 0 0 0 0 2 0 0 0
others 6 3 4 8 20 21 23 4 13 0 9
all 54 166 211 242 341 304 286 452 369 384 265

Appendix A A-220
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Kerala
Govt. 0 0 0 15 31 23 15 3 14 9 11
insurance 0 0 0 0 0 14 1 6 10 4 5
provident fund 0 0 0 0 0 0 0 0 1 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 1 0 0
others 5 0 2 3 14 4 10 9 17 1 8
all 144 352 299 445 492 516 523 505 553 444 470

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Madhya Pradesh
Govt. 0 0 2 6 1 2 9 7 6 7 4
insurance 0 0 0 0 0 2 4 3 34 0 4
provident fund 0 0 0 0 0 1 6 0 1 0 1
landlord 0 0 0 14 0 0 1 0 0 0 2
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 2 1 0 0 2 1 1 0 1 0 1
all 62 49 110 150 111 179 188 159 254 262 153

Appendix A A-222
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Maharashtra
Govt. 0 0 0 5 3 0 13 5 6 9 5
insurance 0 0 0 3 0 2 1 2 9 2 2
provident fund 0 0 0 0 1 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 1 0 0
others 0 0 2 1 6 2 0 0 0 0 1
all 66 67 114 199 174 205 199 208 278 285 189

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Manipur
Govt. 0 0 0 0 3 0 1 2 6 31 3
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 11 7 4 4 1 0 5
all 0 0 238 155 81 47 47 41 61 164 68

Appendix A A-224
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Meghalaya
Govt. 0 0 0 6 2 3 5 0 0 3 2
insurance 0 0 0 0 0 0 0 0 0 3 0
provident fund 0 0 0 0 5 0 0 0 0 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 5 15 2 0 5 0 0 3
all 0 13 44 88 112 166 119 242 51 42 77

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Mizoram
Govt. 0 0 44 51 39 93 77 49 100 156 67
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 4 11 0 2
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 7 0 0 0 1
all 0 8 102 101 43 170 190 167 331 357 159

Appendix A A-226
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Nagaland
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 3 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 2 2 8 1 0 0 2
all 0 0 12 16 13 26 55 30 15 37 30

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Odisha
Govt. 0 0 0 2 4 1 0 0 10 0 1
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 7 0 2 0 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 3 2 5 0 0 0 0 0 1
others 19 1 14 8 28 11 12 10 5 0 12
all 21 70 191 184 257 197 210 333 182 395 187

Appendix A A-228
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Punjab
Govt. 0 0 0 3 1 9 2 4 2 11 3
insurance 0 0 0 0 1 1 1 0 1 0 0
provident fund 0 0 0 0 0 7 0 0 3 0 1
landlord 0 0 0 0 0 0 0 0 0 41 4
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 3 2 2 3 0 1 1
all 33 28 116 233 163 240 177 273 220 236 183

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Rajasthan
Govt. 0 0 0 0 1 2 5 19 3 0 4
insurance 0 0 2 1 0 0 2 5 10 5 3
provident fund 0 0 0 0 0 1 1 1 1 2 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 1 0 0 0 0 1 0 0 0 0 0
others 0 0 5 6 2 2 2 1 2 0 2
all 211 75 175 318 244 215 228 254 265 205 226

Appendix A A-230
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Sikkim
Govt. 0 26 7 0 4 0 4 27 26 23 13
insurance 0 0 0 0 0 0 0 0 10 29 2
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 14 0 0 0 0 0
all 7 42 43 84 67 100 113 304 422 408 103

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tamil Nadu
Govt. 0 2 2 0 0 1 4 2 19 6 4
insurance 0 0 2 0 0 8 10 9 10 19 5
provident fund 0 0 1 7 0 9 0 47 2 3 5
landlord 0 0 1 0 0 2 0 0 0 0 0
input supplier 0 0 2 0 0 0 2 0 0 0 0
others 9 7 14 7 9 9 9 10 0 0 8
all 142 245 326 376 368 378 454 456 436 468 348

Appendix A A-232
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Telangana
Govt. 2 0 0 4 10 1 17 0 0 0 3
insurance 0 0 5 0 0 4 4 0 4 1 2
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 1 3 0 0 0
others 6 12 0 19 0 13 0 0 0 0 5
all 203 325 224 431 437 273 266 296 301 371 305

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tripura
Govt. 0 0 7 5 5 2 0 1 18 0 4
insurance 0 0 0 0 0 0 0 6 10 0 1
provident fund 0 0 1 2 3 8 11 23 18 30 6
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 2 10 50 57 31 27 29 36 17 0 36
all 2 30 92 122 146 135 118 253 308 524 127

Appendix A A-234
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Uttarakhand
Govt. 0 0 0 0 0 0 5 0 1 0 1
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 5 0 0 1
all 55 25 220 33 58 51 85 155 242 250 139

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Uttar Pradesh
Govt. 0 0 14 0 1 1 3 1 3 1 2
insurance 0 0 1 0 0 1 3 0 4 1 1
provident fund 0 0 1 1 1 1 0 4 1 0 1
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 4 0 0 0 0 0 0 0 0 0
others 5 5 2 22 12 11 4 6 4 6 9
all 91 169 160 208 166 179 153 165 213 370 189

Appendix A A-236
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
West Bengal
Govt. 0 6 3 1 1 3 9 3 3 11 4
insurance 0 0 0 0 1 3 6 3 5 11 3
provident fund 1 1 0 0 0 1 1 13 2 0 2
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 12 13 6 4 1 5 2 12 4 1 5
all 58 100 88 133 165 213 137 186 171 194 147

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A & N Islands
Govt. 0 0 0 0 0 0 210 0 0 104 16
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 20 0 51 0 0 0 0 0 9
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 59 0 0 0 0 0 0 0 13
all 135 358 362 168 205 282 510 267 583 518 306

Appendix A A-238
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Chandigarh
Govt. 0 0 0 30 11 263 88 46 83 3 40
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 7 0 18 49 89 372 141 436 243 135 123

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Dadra & N. Haveli
Govt. 0 0 0 0 0 0 0 0 0 18 2
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 29 83 60 36 19 79 644 834 416 109 187

Appendix A A-240
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Daman & Diu
Govt. 0 0 0 0 0 0 0 0 0 0 0
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 4 0 0 0 0 0 0 0 0 0 2
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 4 35 48 488 0 230 176 308 119 570 73

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Lakshadweep
Govt. 0 0 0 0 0 0 0 0 6 0 1
insurance 0 0 0 0 0 0 0 0 0 0 0
provident fund 0 0 0 0 0 0 0 0 37 0 6
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 0 0 0 0 0 0 0 0 0 0 0
all 1000 0 1000 1000 123 19 461 266 159 618 294

Appendix A A-242
holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Puducherry
Govt. 0 0 0 57 30 0 21 41 12 0 14
insurance 0 0 0 0 27 0 0 0 0 26 4
provident fund 0 0 0 0 0 0 0 0 0 0 0
landlord 0 0 0 0 0 0 0 0 0 0 0
input supplier 0 0 0 0 0 0 0 0 0 0 0
others 36 0 0 0 0 0 0 0 20 0 7
all 171 387 443 567 424 661 466 471 330 365 406

holding class
Urban
credit agency
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
All India
Govt. 12 2 4 4 3 5 7 5 12 10 6
insurance 0 0 1 1 0 2 3 3 7 4 2
provident fund 0 0 0 1 1 2 1 6 4 1 2
landlord 0 0 0 2 0 0 1 0 0 1 1
input supplier 0 0 0 0 0 0 1 1 0 0 0
others 4 4 5 7 7 6 5 4 3 1 5
all 93 146 202 242 217 234 238 254 294 317 224

Appendix A A-244
Table 11R: Per Rs.1000 break-up by credit agency type of amount of cash loans outstanding as on 30.06.12 for each household asset holding class: all-India, rural
Rural
amount of loan (Rs.) per Rs.1000 of total outstanding loan of household of asset holding class cash loan
credit agency in lakhs
1 2 3 4 5 6 7 8 9 10 all (Rs.)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
All India
Govt. 2 5 5 3 13 10 11 18 15 12 12 605006
insurance 0 0 0 1 0 5 1 1 2 2 2 84489
provident fund 3 0 0 0 2 0 0 3 0 0 1 39620
landlord 33 18 18 14 28 10 10 6 2 1 7 376966
input supplier 1 1 3 1 0 7 2 1 1 0 1 67537
others 10 38 28 18 24 21 23 12 13 7 14 723416
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 50779582

Table 11U: Per Rs.1000 break-up by credit agency type of amount of cash loans outstanding as on 30.06.12 for each household asset holding class: all-India, urban
Urban
amount of loan (Rs.) per Rs.1000 of total outstanding loan of household of asset holding class cash loan
credit agency in lakhs
1 2 3 4 5 6 7 8 9 10 all (Rs.)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
All India
Govt. 80 7 11 14 8 24 32 11 25 16 18 1291403
insurance 0 0 2 2 0 6 10 5 55 8 16 1153438
provident fund 0 0 1 1 3 5 3 7 4 1 3 186549
landlord 1 0 1 3 0 4 1 0 0 0 1 43826
input supplier 0 3 2 0 0 0 2 1 1 0 0 34302
others 42 27 20 15 15 17 8 5 3 1 5 342758
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 70852367

Appendix A A-246
Table 12R: Number of households reporting cash loans outstanding as on 30.06.12 to institutional agencies for specific schemes of lending per thousand household for each
household asset holding class: all-India, rural
All-India Rural
no. of hhs reporting
per 1000 no. of hh of household asset holding class with outstanding loan as on 30.06.2012
cash loan
scheme of lending estd.
1 2 3 4 5 6 7 8 9 10 all sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
DRI 4 5 6 4 4 5 9 8 11 11 7 10721 818
PMRY 0 0 1 1 2 0 1 1 0 1 1 988 85
SGSY 1 2 4 7 4 5 4 6 4 4 4 6454 295
SJSRY 0 0 0 0 0 0 0 0 0 0 0 218 22
advances to minority
communities 0 0 0 0 0 0 0 0 0 1 0 507 24
scheme for liberalization and
rehab. of scavengers 0 0 0 0 0 0 0 0 0 0 0 70 4
exclusive state schemes 7 7 9 6 7 4 8 6 6 6 7 10471 416
other schemes 47 38 57 60 70 97 94 101 133 155 85 133001 7194
kisan credit card 1 3 6 14 14 24 30 45 71 82 29 45360 3401
crop loan 4 10 13 21 22 29 39 48 72 80 34 52695 2434
not covered under any scheme 17 12 16 15 12 12 15 16 21 16 15 23612 1089
all 79 74 108 124 130 169 191 222 292 326 172 267822 15098
estd. amount of cash loan (Rs.
lakhs) 156177 156137 156009 156345 156100 156064 156129 156159 156121 156147 1561387 - -
estd. no. of hhs (00) reporting
cash loan 12415 11528 16848 19342 20360 26425 29840 34597 45581 50886 267822 - -
no. of sample hhs reporting
cash loan 441 621 829 1122 1256 1452 1602 1957 2657 3161 15098 - -

Table 12U: Number of households reporting cash loans outstanding as on 30.06.12 to institutional agencies for specific schemes of lending per thousand household for each
household asset holding class, urban
All-India Rural
cash loan
scheme of lending estd.
1 2 3 4 5 6 7 8 9 10 all sample
(00)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
DRI 2 4 9 8 6 12 8 11 19 17 10 8038 992
PMRY 0 0 1 1 1 1 1 0 0 0 0 400 101
SGSY 0 1 0 2 2 1 0 0 1 0 1 572 62
SJSRY 0 1 1 1 1 1 0 1 0 0 1 526 96
advances to minority
communities 12 1 1 1 0 1 0 0 0 0 2 1377 44
scheme for liberalization and
rehab. of scavengers 0 0 0 0 0 1 0 0 0 0 0 128 20
exclusive state schemes 1 5 6 12 7 5 3 4 3 2 5 3908 308
other schemes 16 43 74 85 87 99 130 157 213 253 116 96925 10252
kisan credit card 0 0 0 0 1 2 2 3 5 6 2 1648 425
crop loan 0 0 1 2 3 6 5 7 5 9 4 3140 300
not covered under any scheme 3 8 15 17 15 18 13 14 22 13 14 11500 1350
all 34 62 106 125 121 140 157 189 256 291 148 123884 13533
estd. amount of cash loan (Rs.
lakhs) 83716 83794 83651 83750 83704 83747 83721 83658 83783 83725 837249 - -
estd. no. of hhs (00) reporting
cash loan 2825 5165 8848 10454 10143 11745 13137 15811 21422 24335 123884 - -
no. of sample hhs reporting
cash loan 132 402 792 1101 1234 1482 1649 2067 2313 2361 13533 - -

Appendix A A-248
Table 13R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household and per Rs.1000 break-up of amount of cash loans
(including interest) outstanding by purpose of loan for each major household type: all-India, rural
All-India Rural
cash loan
per 1000 no. cash loan (Rs.) per 1000 no. cash loan (Rs.) per 1000 no. of cash loan (Rs.)
purpose of loan
of hh report. per Rs.1000 of of hh report. per Rs.1000 of hh report. cash per Rs.1000 of estd.
sample
cash loans total cash loan cash loans total cash loan loans total cash loan (00)
outstanding outstanding outstanding outstanding outstanding out-standing
(1) (2) (3) (4) (5) (6) (7) (8) (9)
capital expenditure in farm business 53 174 6 16 35 132 54751 3394
current expenditure in farm business 105 197 9 34 68 154 106771 5623
expenditure in farm business 154 371 14 50 101 286 157349 8789
capital expenditure in non-farm business 12 78 15 112 13 87 20740 1248
current expenditure in non-farm business 5 15 13 59 8 26 12484 564
expenditure in non-farm business 17 93 27 171 21 114 32815 1790
expenditure on litigation 0 0 0 0 0 0 156 17
repayment of debt 4 25 7 29 5 26 8218 300
financial investment expenditure 1 1 0 1 0 1 664 44
for education 8 24 9 30 8 26 12896 583
for medical treatment 33 53 39 84 35 61 55194 2544
for housing 45 167 54 297 49 201 75906 3774
for other household expenditure 130 216 121 276 126 232 197242 9037
others 22 49 18 62 20 52 31604 2014
all 350 1000 256 1000 314 1000 490826 25432
estd. no. of hhs (00) 967259 594128 1561387 - - - - -
estd. amount of cash loan (Rs. lakhs) 37389263 13390320 50779582 - - - - -
estd. no. of hhs (00) reporting cash loan 338556 152271 490826 - - - - -
no. of sample hhs reporting cash loan 18788 6644 25432 - - - - -

Table 13U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household and per Rs.1000 break-up of amount of cash loans
(including interest) outstanding by purpose of loan for each major household type: all-India, rural
All-India Urban
self-employed others others
cash loan
purpose of loan
sample
(1) (2) (3) (4) (5) (6) (7) (8) (9)
capital expenditure in farm business 9 22 2 3 4 10 3511 519
current expenditure in farm business 15 23 3 5 7 11 5963 750
expenditure in farm business 24 45 5 8 11 22 9187 1240
capital expenditure in non-farm business 42 199 7 13 18 84 14814 2063
current expenditure in non-farm business 33 196 3 4 13 77 10778 1209
expenditure in non-farm business 73 395 10 17 30 161 24894 3202
expenditure on litigation 0 0 0 0 0 0 70 13
repayment of debt 5 6 6 11 6 9 4620 333
financial investment expenditure 1 6 1 2 1 4 618 44
for education 12 23 19 47 17 38 14264 1227
for medical treatment 19 16 23 27 22 23 18142 1796
for housing 61 376 77 718 72 588 60415 5954
for other household expenditure 75 92 86 131 82 116 69073 6996
others 19 41 18 39 18 40 15238 1865
all 247 1000 213 1000 224 1000 187322 20246
estd. no. of hhs (00) 262532 574717 837249 - - - - -
estd. amount of cash loan (Rs. lakhs) 26911516 43940851 70852367 - - - - -
estd. no. of hhs (00) reporting cash loan 64896 122426 187322 - - - - -
no. of sample hhs reporting cash loan 7657 12589 20246 - - - - -

Appendix A A-250
Table 14R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by purpose of loan for each household asset holding class: all-
India, rural
All-India Rural
purpose of loan
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
capital expenditure in farm business 6 10 11 19 21 37 39 61 70 77 35
current expenditure in farm business 11 17 26 42 48 58 85 96 145 157 68
expenditure in farm business 17 27 37 60 68 94 120 152 209 224 101
capital expenditure in non-farm business 8 5 11 8 11 14 11 13 21 30 13
current expenditure in non-farm
14 8 9 6 6 7 3 9 6 11 8
business
expenditure in non-farm business 22 13 20 15 16 21 14 21 28 40 21
expenditure on litigation 0 0 0 0 0 0 0 0 0 0 0
repayment of debt 9 7 2 3 4 6 5 5 5 6 5
financial investment expenditure 0 1 1 0 1 0 0 0 1 0 0
for education 4 3 10 7 8 6 12 9 11 13 8
for medical treatment 32 45 36 43 35 37 32 35 41 18 35
for housing 12 22 48 49 47 62 49 56 72 69 49
for other household expenditure 113 117 132 117 147 138 121 144 136 99 126
others 15 10 20 22 23 22 24 19 27 21 20
all 196 223 271 275 309 330 327 373 426 413 314
estd. no. of hhs (00) 156177 156137 156009 156345 156100 156064 156129 156159 156121 156147 1561387
estd. no. of hhs (00) reporting cash loan 30634 34812 42205 42933 48310 51492 51040 58302 66574 64526 490826
no. of sample hhs reporting cash loan 1245 1543 1952 2282 2478 2649 2635 2995 3680 3973 25432

Table 14U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by purpose of loan for each household asset holding class: all-
India, urban
All-India Urban
purpose of loan
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
capital expenditure in farm business 0 1 2 3 3 5 6 6 7 9 4
current expenditure in farm business 0 1 1 5 6 8 9 11 10 20 7
expenditure in farm business 0 2 3 7 8 13 15 17 16 28 11
capital expenditure in non-farm business 1 9 21 23 23 20 16 20 17 27 18
current expenditure in non-farm
1 9 13 14 12 15 17 16 13 19 13
business
expenditure in non-farm business 2 17 34 37 34 34 32 35 28 45 30
expenditure on litigation 0 0 0 0 0 0 0 0 0 0 0
repayment of debt 1 5 9 6 7 10 6 6 3 2 6
financial investment expenditure 0 0 0 0 3 0 0 1 0 2 1
for education 9 25 21 15 14 11 16 23 23 15 17
for medical treatment 20 26 22 41 25 29 20 14 9 9 22
for housing 17 15 19 42 45 62 85 106 162 167 72
for other household expenditure 44 63 99 112 94 94 89 77 83 70 82
others 5 8 19 19 17 19 13 23 21 39 18
all 93 146 202 242 217 234 238 254 294 317 224
estd. no. of hhs (00) 83716 83794 83651 83750 83704 83747 83721 83658 83783 83725 837249
estd. no. of hhs (00) reporting cash loan 7821 12257 16865 20236 18135 19628 19897 21269 24641 26574 187322
no. of sample hhs reporting cash loan 526 996 1539 2102 2205 2433 2405 2669 2742 2629 20246

Appendix A A-252
Table 15R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household and per Rs.1000 break-up of amount of cash loans
(including interest) outstanding by type of security of loan for each major household type: all-India, rural
All-India Rural
cash loan
type of security
sample
(1) (2) (3) (4) (5) (6) (7) (8) (9)
surety security or guarantee of third party 21 43 24 49 22 44 34538 1903
crop 15 24 1 2 10 18 15104 716
first charge on immovable property 23 69 9 70 17 69 27323 1687
mortgage of immovable property 89 318 21 190 63 284 97998 5508
bullion/ornaments 26 70 28 81 26 73 41313 1477
share of companies, govt.securities,
insurance policies, etc. 1 3 2 5 2 3 2465 179
agricultural commodities 2 5 0 0 1 3 2132 154
ornaments, shares, etc. 5 16 3 31 4 20 6581 397
other type of security 13 31 9 44 12 35 18232 1029
personal security 216 421 185 528 204 450 318657 15686
all 350 1000 256 1000 314 1000 490826 25432
estd. no. of hhs.(00) 967259 - 594128 - 1561387 - - -
amount of cash loan (Rs. lakhs) - 37389263 - 13390320 - 50779582 - -
estd.no. of hhs reporting cash loan (00) 338556 - 152271 - 490826 - - -
no. of sample hhds reporting cash loan 18788 - 6644 - 25432 - - -

Table 15U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household and per Rs.1000 break-up of amount of cash loans
(including interest) outstanding by type of security of loan for each major household type: all-India, urban
All-India Urban
cash loan
type of security
sample
(1) (2) (3) (4) (5) (6) (7) (8) (9)
surety security or guarantee of third party 18 35 19 52 19 46 15506 1839
crop 2 3 1 8 1 6 702 95
first charge on immovable property 14 99 11 140 12 125 10033 981
mortgage of immovable property 57 493 47 414 50 444 42078 4375
bullion/ornaments 36 55 30 47 32 50 26525 1603
share of companies, govt.securities,
insurance policies, etc. 3 6 5 17 4 13 3732 457
agricultural commodities 0 1 0 0 0 1 145 24
ornaments, shares, etc. 14 48 8 31 10 37 8380 828
other type of security 10 22 11 37 10 31 8642 1057
personal security 137 237 116 253 122 247 102406 11397
all 247 1000 213 1000 224 1000 187322 20246
estd. no. of hhs.(00) 262532 - 574717 - 837249 - - -
amount of cash loan (Rs. lakhs) - 26911516 - 43940851 - 70852367 - -
estd.no. of hhs reporting cash loan (00) 64896 - 122426 - 187322 - - -
no. of sample hhds reporting cash loan 7657 - 12589 - 20246 - - -

Appendix A A-254
Table 16: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by duration of loan for each household asset holding class:
all-India, rural, urban
All-India
duration of loan per 1000 no. of hh of household asset holding class with outstanding loan as on 30.06.2012
cash loan
(years)
1 2 3 4 5 6 7 8 9 10 all estd. (00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Rural
<1 121 117 155 169 184 208 186 220 276 248 188 293916 14374
1–2 47 61 68 63 73 82 79 90 100 95 76 118139 5953
2–3 30 21 34 43 37 46 56 59 59 64 45 69885 3689
3–4 13 24 19 17 21 17 23 30 32 24 22 34350 1853
4–5 12 10 12 10 13 18 15 17 24 22 15 23868 1277
5 – 10 8 13 16 14 21 21 17 27 26 38 20 31368 1725
10 & above 1 3 4 6 5 7 6 8 4 8 5 8124 556
all 196 223 271 275 309 330 327 373 426 413 314 490826 25432
Urban
<1 38 87 124 128 123 135 117 124 109 110 109 91603 9556
1–2 21 38 50 70 54 54 67 68 74 87 58 48704 4953
2–3 17 21 24 37 28 37 34 40 50 55 34 28780 3055
3–4 6 10 11 19 15 15 19 26 31 31 18 15255 1609
4–5 3 5 10 9 11 11 15 13 32 32 14 11980 1186
5 – 10 6 8 11 13 18 20 22 33 54 66 25 20987 2365
10 & above 12 1 1 4 5 5 8 6 19 17 8 6531 703
all 93 146 202 242 217 234 238 254 294 317 224 187322 20246

Table 17: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by size class of outstanding loan for each household asset
holding class: all-India
All-India
size class of loan per 1000 no. of hh of household asset holding class with outstanding loan as on 30.06.201
cash loan
outstanding estd. 00) sample
1 2 3 4 5 6 7 8 9 10 all
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Rural
1 22 27 26 23 13 20 13 15 10 6 17 27213 1387
2 27 29 36 34 27 32 26 27 18 15 27 42258 2125
3 24 28 20 25 20 21 19 18 14 10 20 31082 1416
4 65 75 91 78 86 86 76 85 85 38 76 119377 5690
5 48 42 67 81 99 102 91 97 98 76 80 124929 6132
6 31 31 37 42 65 65 84 96 113 88 65 101768 5203
7 15 24 25 34 35 51 48 65 83 74 46 71077 3461
8 12 9 22 21 30 38 37 50 90 95 40 63043 3332
9 4 4 6 11 10 11 23 29 53 89 24 37297 1952
10 1 0 2 1 1 4 5 11 15 55 9 14821 1000
all 196 223 271 275 309 330 327 373 426 413 314 490826 25432
Urban
1 6 7 6 14 8 7 7 6 1 1 6 5276 573
2 12 16 14 16 17 15 10 9 5 2 12 9767 957
3 5 9 10 14 12 11 8 4 5 1 8 6668 713
4 20 36 41 52 42 43 31 21 14 9 31 25970 2786
5 17 41 47 56 54 57 40 34 27 19 39 32841 3254
6 27 30 42 44 41 45 41 44 43 30 39 32472 3212
7 11 20 28 40 34 36 44 43 35 30 32 26769 2741
8 7 19 37 40 42 46 52 66 67 58 44 36474 3783
9 5 8 18 20 21 32 45 53 83 79 36 30525 3405
10 0 3 4 12 12 15 32 64 108 171 42 35405 3444
all 93 146 202 242 217 234 238 254 294 317 224 187322 20246

Appendix A A-256
Table 18: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of loan for each household asset holding class: all-India
All-India
cash no. of hhs reporting
size class of amount of loan (Rs.) per Rs.1000 of total outstanding loan of household of asset holding class
loan cash loan
loan outstanding
1 2 3 4 5 6 7 8 9 10 all (Rs. lakhs) estd. (00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
Rural
1 6 8 5 4 2 2 1 1 0 0 1 73409 27213 1387
2 16 19 15 14 9 8 5 4 2 1 5 248692 42258 2125
3 24 26 13 13 9 8 6 4 2 1 5 271682 31082 1416
4 121 137 99 77 69 62 41 36 24 6 38 1907993 119377 5690
5 148 134 145 151 157 132 92 75 55 21 74 3747947 124929 6132
6 220 175 132 139 188 136 151 134 111 43 107 5446659 101768 5203
7 148 213 150 159 148 183 138 152 126 58 118 5981000 71077 3461
8 177 142 222 205 232 250 196 205 237 130 187 9487106 63043 3332
9 98 136 127 180 149 126 257 214 260 235 212 10764592 37297 1952
10 42 9 92 59 37 94 112 174 183 506 253 12850503 14821 1000
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 50779582 490826 25432
Urban
1 3 2 1 2 1 1 0 0 0 0 0 15793 5276 573
2 13 8 4 3 3 2 1 1 0 0 1 58312 9767 957
3 8 7 5 4 4 3 1 0 0 0 1 59410 6668 713
4 55 47 32 31 22 18 9 3 1 0 6 413157 25970 2786
5 82 104 67 61 53 48 22 11 5 1 14 978047 32841 3254
6 215 137 108 80 71 63 38 25 14 4 24 1689076 32472 3212
7 149 133 117 116 98 80 66 42 17 6 32 2251945 26769 2741
8 201 229 273 199 201 194 145 112 65 24 79 5610335 36474 3783
9 241 192 248 197 190 262 246 175 150 66 131 9257647 30525 3405
10 32 140 144 307 357 329 471 630 747 898 713 50518644 35405 3444
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 70852367 187322 20246

Table 19a-R:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: cultivator
major household: cultivator Rural
no. of households reporting cash loans outstanding of type
amount no. of
short-
of cash sample no. of
short- term short-
State/UT medium- long- loan hhs sample
term non- term all
term term (Rs. with hhs
pledged pledged (any)
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 162 96 243 310 198 628 24180 622 1025
Arunachal Pradesh 2 18 20 20 14 54 72 49 462
Assam 10 22 32 43 19 93 3303 503 2125
Bihar 21 84 103 93 143 314 25155 1160 2353
Chhattisgarh 8 49 57 53 61 162 4413 241 955
Delhi 1 0 1 17 12 30 7 10 25
Goa 2 0 2 59 96 155 20 20 36
Gujarat 57 25 82 123 114 301 11848 848 1675
Haryana 47 129 166 117 70 298 4458 328 685
Himachal Pradesh 11 11 22 69 226 290 3045 502 944
Jammu & Kashmir 3 30 32 29 76 136 1571 336 1104
Jharkhand 4 68 71 74 61 200 6102 439 1177
Karnataka 61 159 207 243 143 518 22512 824 1483
Kerala 140 77 206 161 296 535 18361 782 1443
Madhya Pradesh 60 92 148 85 70 285 16833 1050 2675
Maharashtra 147 134 265 101 92 415 29605 1682 3208
Manipur 42 8 50 47 15 113 222 205 1030
Meghalaya 5 5 10 13 6 29 107 99 725
Mizoram 10 6 16 9 15 39 31 98 465
Nagaland 2 3 5 6 7 18 56 112 473
Odisha 68 110 172 95 58 297 15034 904 2181
Punjab 88 40 122 91 217 388 4414 345 680
Rajasthan 77 104 170 166 113 406 26856 1186 2505
Sikkim 3 7 9 10 43 62 45 119 332
Tamil Nadu 188 115 273 207 113 496 17926 709 1473
Telangana 90 167 240 403 203 690 17997 452 754
Tripura 20 22 42 55 25 120 326 217 650
Uttaranchal 21 94 112 108 115 314 3464 192 411
Uttar Pradesh 57 81 133 105 104 322 57960 3511 6829
West Bengal 27 66 90 120 124 303 22456 1071 2758
A & N Islands 5 11 16 96 104 200 63 59 163
Chandigarh 0 0 0 3 29 31 0 8 13
Dadra & N. Haveli 1 2 3 7 53 62 12 45 99
Daman & Diu 0 18 18 169 16 203 11 20 49
Lakshadweep 1 0 2 47 36 80 3 32 91
Puducherry 95 214 308 113 0 378 88 8 15
all-India 67 87 147 129 115 350 338556 18788 43071

Appendix A A-258
Table 19b-R:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: non-cultivator
major household: non-cultivator Rural
amount no. of
short-
short- term
State/UT short- medium- long- loan hhs sample
term non- all
term term term (Rs. with hhs
pledged pledged
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 17 72 88 305 148 471 22725 447 1045
Assam 19 27 46 38 35 116 1983 216 857
Bihar 9 69 78 101 91 260 15733 499 1318
Chhattisgarh 2 26 27 21 32 77 794 49 192
Delhi 0 4 4 16 14 34 15 27 82
Goa 1 4 5 67 116 172 151 74 132
Gujarat 5 11 16 68 96 175 3393 218 627
Haryana 5 66 71 59 43 158 1727 136 352
Jammu & Kashmir 1 10 11 12 56 79 170 46 138
Jharkhand 8 25 33 78 9 119 834 49 192
Karnataka 17 104 118 227 80 396 13436 358 857
Kerala 104 72 164 129 200 414 7073 337 724
Madhya Pradesh 16 32 48 63 50 159 4081 204 753
Maharashtra 26 46 70 30 82 178 9559 427 1381
Manipur 0 16 16 22 17 54 33 53 298
Meghalaya 1 4 6 3 4 12 13 24 205
Mizoram 5 25 30 38 65 133 19 67 139
Nagaland 1 2 2 0 4 6 6 16 143
Odisha 26 108 133 32 36 184 5057 215 773
Punjab 6 20 26 75 210 290 4694 291 590
Rajasthan 3 24 27 145 79 245 4076 126 428
Sikkim 4 6 10 8 73 87 36 102 216
Tamil Nadu 116 68 169 149 66 335 19221 737 1956
Telangana 24 66 90 347 113 479 11123 247 590
Tripura 17 13 29 49 11 86 340 213 806
Uttaranchal 0 25 25 39 86 146 797 32 112
Uttar Pradesh 23 66 89 71 77 218 13349 645 1758
West Bengal 13 47 59 43 68 162 10933 551 1769
A & N Islands 8 5 12 78 78 144 31 34 74
Chandigarh 2 3 5 19 16 39 3 36 99
Dadra & N. Haveli 0 0 0 0 12 12 1 3 13
Daman & Diu 0 59 59 48 43 150 16 27 63
Lakshadweep 0 0 0 4 60 64 1 7 20
Puducherry 276 23 298 109 71 416 442 47 97
all-India 28 57 83 112 85 256 152271 6644 19064

Table 19c-R:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: all
major household: all Rural
amount no. of
short-
short- term
term non- all
pledged pledged
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 81 83 157 307 170 541 46905 1069 2070
Assam 13 24 37 41 24 101 5286 719 2982
Bihar 16 78 92 97 121 291 40888 1659 3671
Chhattisgarh 6 43 49 44 53 139 5208 290 1147
Delhi 0 3 3 16 13 33 22 37 107
Goa 1 4 5 66 114 170 170 94 168
Gujarat 40 20 60 105 108 260 15241 1066 2302
Haryana 29 103 126 93 59 239 6185 464 1037
Jammu & Kashmir 2 27 29 26 73 127 1742 382 1242
Jharkhand 4 60 64 75 51 185 6936 488 1369
Karnataka 42 135 168 236 115 464 35948 1182 2340
Kerala 128 75 192 150 264 495 25434 1119 2167
Madhya Pradesh 46 74 117 78 64 247 20914 1254 3428
Maharashtra 95 96 181 70 88 313 39164 2109 4589
Manipur 32 10 42 41 16 99 255 258 1328
Meghalaya 4 5 9 11 6 25 119 123 930
Mizoram 9 9 18 13 22 53 50 165 604
Nagaland 2 3 5 4 6 15 62 128 616
Odisha 53 109 158 73 50 257 20091 1119 2954
Punjab 40 28 66 82 213 331 9108 636 1270
Rajasthan 62 88 141 162 106 374 30931 1312 2933
Sikkim 3 6 10 9 54 71 81 221 548
Tamil Nadu 144 86 209 171 84 397 37147 1446 3429
Telangana 59 119 169 377 161 591 29120 699 1344
Tripura 18 16 34 51 17 100 665 430 1456
Uttaranchal 14 71 83 85 105 258 4261 224 523
Uttar Pradesh 48 77 122 96 97 296 71308 4156 8587
West Bengal 20 57 75 83 97 236 33389 1622 4527
A & N Islands 6 8 14 89 94 177 95 93 237
Chandigarh 2 3 4 17 17 38 3 44 112
Dadra & N. Haveli 1 1 2 5 42 48 13 48 112
Daman & Diu 0 46 46 88 34 167 26 47 112
Lakshadweep 1 0 1 38 41 77 3 39 111
Puducherry 243 57 300 110 58 409 530 55 112
all-India 52 76 123 122 103 314 490826 25432 62135

Appendix A A-260
Table 19a-U:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: self-employed
major household: self-employed Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 45 83 125 293 187 513 6147 350 648
Assam 18 16 33 102 108 224 585 92 311
Bihar 8 31 38 60 68 157 1044 209 505
Chhattisgarh 10 32 42 32 48 120 517 106 281
Delhi 0 14 14 20 26 59 582 136 657
Goa 0 0 0 16 123 139 48 18 35
Gujarat 10 12 22 82 105 201 3550 449 890
Haryana 3 22 25 54 79 144 938 198 465
Jammu & Kashmir 7 7 13 42 234 281 526 154 315
Jharkhand 1 35 37 81 63 176 758 142 331
Karnataka 22 37 57 160 190 365 5715 437 815
Kerala 112 75 166 166 342 557 3852 331 595
Madhya Pradesh 22 36 55 49 94 187 2510 493 1120
Maharashtra 26 25 48 46 115 197 6367 663 1526
Manipur 17 12 29 30 10 69 57 101 596
Meghalaya 0 12 12 18 19 48 15 32 129
Mizoram 11 2 12 32 24 68 23 44 218
Nagaland 7 6 13 4 3 20 6 15 103
Odisha 19 69 86 56 73 192 934 184 439
Punjab 13 8 21 51 143 198 1851 252 530
Rajasthan 19 39 57 82 118 237 2919 389 851
Sikkim 6 16 22 26 103 145 14 45 93
Tamil Nadu 116 54 159 195 149 404 10909 498 1046
Telangana 19 75 90 167 161 389 4216 231 453
Tripura 24 38 63 51 45 158 101 136 350
Uttaranchal 5 3 9 34 55 98 342 68 165
Uttar Pradesh 12 28 39 64 76 172 5749 979 2339
West Bengal 11 40 50 44 104 187 4143 670 1630
A & N Islands 0 14 14 194 226 395 25 18 30
Chandigarh 0 7 7 20 77 104 72 31 72
Dadra & N. Haveli 0 0 0 84 255 330 30 23 38
Daman & Diu 0 0 0 27 71 84 11 10 27
Lakshadweep 28 0 28 194 231 315 4 12 19
Puducherry 172 157 274 177 80 469 187 49 84
all-India 29 36 63 94 119 247 64896 7657 17905

Table 19b-U:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: others
major household: others Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 28 45 71 202 154 359 12368 667 1450
Assam 2 22 24 33 104 156 981 231 636
Bihar 8 29 36 31 57 121 1773 304 722
Chhattisgarh 2 42 43 27 47 116 929 156 503
Delhi 1 4 5 17 33 54 1285 246 1298
Goa 7 6 13 56 116 175 220 58 133
Gujarat 8 9 17 43 135 191 7177 579 1325
Haryana 3 18 20 32 73 119 2286 233 582
Jammu & Kashmir 4 5 10 25 149 176 623 243 632
Jharkhand 5 13 17 38 38 91 917 183 605
Karnataka 12 41 52 81 117 229 9701 672 1529
Kerala 88 64 139 126 276 440 9143 879 1637
Madhya Pradesh 6 17 22 37 80 135 3495 584 1545
Maharashtra 10 21 30 35 127 185 14601 1283 3010
Manipur 5 15 20 22 27 67 56 132 521
Meghalaya 2 23 25 26 37 88 78 136 375
Mizoram 15 5 20 43 151 214 120 215 454
Nagaland 0 3 3 11 20 34 22 68 289
Odisha 11 51 61 43 90 184 1651 311 734
Punjab 9 9 17 44 123 175 2969 360 756
Rajasthan 11 25 34 59 136 219 4389 490 1085
Sikkim 0 5 5 14 76 91 32 114 242
Tamil Nadu 82 49 124 132 131 327 23899 1017 2367
Telangana 11 34 44 146 109 268 6607 408 857
Tripura 10 16 26 39 49 112 154 255 658
Uttaranchal 3 25 28 27 140 192 520 127 281
Uttar Pradesh 9 27 35 57 120 201 9741 1109 2617
West Bengal 4 19 23 30 77 126 5259 982 2545
A & N Islands 4 10 14 96 203 287 86 66 135
Chandigarh 0 1 1 41 91 132 207 69 150
Dadra & N. Haveli 0 21 21 30 103 136 35 24 74
Daman & Diu 0 8 8 43 23 71 47 24 85
Lakshadweep 0 16 16 69 237 289 17 48 93
Puducherry 197 76 234 80 136 390 594 124 252
all-India 22 29 48 71 116 213 122426 12589 30760

Appendix A A-262
Table 19c-U:Number of households reporting cash loans outstanding per thousand household as on 30.06.02 by type of
loan for each major household type: all
major household: all Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 32 55 85 225 162 398 18515 1017 2098
Assam 7 20 27 53 106 176 1567 323 947
Bihar 8 30 37 40 60 132 2816 513 1227
Chhattisgarh 5 38 43 29 47 118 1446 262 784
Delhi 1 7 8 18 31 56 1866 382 1955
Goa 5 5 10 47 118 167 268 76 168
Gujarat 9 10 19 55 125 194 10727 1028 2215
Haryana 3 19 21 38 75 125 3224 431 1047
Jammu & Kashmir 5 6 11 31 178 212 1149 397 947
Jharkhand 4 19 23 51 45 116 1675 325 936
Karnataka 15 40 53 102 137 265 15416 1109 2344
Kerala 94 67 146 136 293 470 12995 1210 2232
Madhya Pradesh 11 23 33 41 85 153 6006 1077 2665
Maharashtra 15 22 35 38 124 189 20968 1946 4536
Manipur 11 14 25 26 19 68 113 233 1117
Meghalaya 2 20 21 24 32 77 93 168 504
Mizoram 13 4 17 39 103 159 143 259 672
Nagaland 2 4 6 9 15 30 28 83 392
Odisha 14 57 70 48 84 187 2585 495 1173
Punjab 10 9 19 46 130 183 4820 612 1286
Rajasthan 14 30 43 68 129 226 7308 879 1936
Sikkim 1 7 8 16 82 103 46 159 335
Tamil Nadu 91 51 134 149 135 348 34808 1515 3413
Telangana 13 46 58 152 125 305 10823 639 1310
Tripura 14 23 38 43 48 127 255 391 1008
Uttaranchal 4 13 17 31 92 139 862 195 446
Uttar Pradesh 10 27 37 60 102 189 15489 2088 4956
West Bengal 6 26 32 35 87 147 9403 1652 4175
A & N Islands 3 11 14 113 207 306 111 84 165
Chandigarh 0 3 3 35 87 123 279 100 222
Dadra & N. Haveli 0 16 16 44 143 187 65 47 112
Daman & Diu 0 7 7 40 31 73 58 34 112
Lakshadweep 5 13 18 92 236 294 21 60 112
Puducherry 192 93 243 100 125 406 781 173 336
all-India 24 31 53 78 117 224 187322 20246 48665

Table 20a-R: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major household type:
cultivator
major household: cultivator Rural
average amount (Rs.) per household of cash loans outstanding
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 188997 70622 154056 84314 122502 139699 3377934 622 1025
Assam 22978 18364 19815 44776 107069 49045 161988 503 2125
Bihar 65185 55696 59217 47311 64002 62664 1576295 1160 2353
Chhattisgarh 42242 21014 23974 39641 135515 72028 317888 241 955
Delhi 175000 0 175000 243522 221818 232541 1561 10 25
Goa 53030 0 53030 35868 269045 182181 3557 20 36
Gujarat 76987 114525 88911 77825 103843 95153 1127361 848 1675
Haryana 238122 151195 184924 187261 176660 217530 969783 328 685
Jammu & Kashmir 71519 34487 37629 82422 119076 92920 145995 336 1104
Jharkhand 21359 20769 20879 44683 36473 35054 213884 439 1177
Karnataka 74282 70367 76108 90449 199106 127683 2874348 824 1483
Kerala 132185 94896 125275 260643 350469 320453 5883765 782 1443
Madhya Pradesh 72906 61002 67458 91438 122307 92145 1551099 1050 2675
Maharashtra 71935 62339 71479 116547 135270 104020 3079505 1682 3208
Manipur 45248 44181 45067 34026 93805 46883 10401 205 1030
Meghalaya 57286 18092 36703 45570 118051 58724 6257 99 725
Mizoram 33169 37883 34941 41848 224127 107498 3346 98 465
Nagaland 32590 21402 25928 95427 226293 125325 7030 112 473
Odisha 21723 26986 25812 43543 67950 41976 631089 904 2181
Punjab 358659 99026 289389 202769 308314 311933 1376926 345 680
Rajasthan 100870 67714 87026 111506 166543 128373 3447548 1186 2505
Sikkim 133202 77046 94016 24563 1067468 762142 34537 119 332
Tamil Nadu 68877 70210 76944 123854 156870 129694 2324890 709 1473
Telangana 64632 67749 71394 64801 122128 98640 1775263 452 754
Tripura 10900 31165 21412 19127 67890 30217 9839 217 650
Uttaranchal 31805 88284 80169 83931 72356 83809 290321 192 411
Uttar Pradesh 60594 64588 65157 79705 84331 80135 4644620 3511 6829
West Bengal 23387 21667 22808 41250 63043 48972 1099708 1071 2758
A & N Islands 50145 95205 81886 68022 73321 77383 4908 59 163
Chandigarh 0 0 0 143900 207615 202429 65 8 13
Dadra & N. Haveli 6960 14202 12313 100070 97330 94614 1158 45 99
Daman & Diu 0 185957 185957 190566 51045 179667 1904 20 49
Lakshadweep 31203 10000 26959 45307 256425 142588 413 32 91
Puducherry 418170 43576 158514 90184 0 156484 13758 8 15
all-India 89319 61474 77149 90582 136486 110438 37389263 18788 43071

Appendix A A-264
Table 20b-R: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major household type:
non-cultivator
major household: non-cultivator Rural
amount no. of
short-
short- term
term non- all
pledged pledged
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 76482 57309 61278 45740 103884 73802 1677175 447 1045
Assam 15046 18068 16827 40183 124533 57456 113922 216 857
Bihar 21006 31883 30670 52302 48834 46427 730434 499 1318
Chhattisgarh 90860 35669 41646 115354 80997 78536 62376 49 192
Delhi 0 50347 50347 125490 86157 100272 1502 27 82
Goa 125800 35779 53512 279782 590444 509465 76776 74 132
Gujarat 75081 181257 148767 134942 80009 109654 372088 218 627
Haryana 136546 61597 67104 170619 122115 127200 219626 136 352
Jammu & Kashmir 22644 56059 54076 25955 224509 170988 29150 46 138
Jharkhand 4887 16828 13893 37832 38331 31484 26268 49 192
Karnataka 108198 58274 67080 54070 153261 82137 1103626 358 857
Kerala 64876 85341 78688 124006 350946 238827 1689299 337 724
Madhya Pradesh 14562 45372 34998 59059 88436 61702 251778 204 753
Maharashtra 36034 64258 55519 40884 201717 121704 1163327 427 1381
Manipur 0 50007 50007 36952 145036 76280 2541 53 298
Meghalaya 39178 27319 30307 111283 263196 119781 1526 24 205
Mizoram 25000 31543 30536 151833 190576 143443 2686 67 139
Nagaland 5000 60332 42956 0 227720 155714 954 16 143
Odisha 24991 71394 63116 61534 153805 85868 434195 215 773
Punjab 32352 20696 23429 55514 95541 85526 401475 291 590
Rajasthan 25703 48483 46356 90716 178580 116089 473142 126 428
Sikkim 256687 139401 185880 96154 434922 394161 14148 102 216
Tamil Nadu 52073 47536 54943 93199 166834 102107 1962596 737 1956
Telangana 76930 115709 105523 42744 61012 65118 724302 247 590
Tripura 17814 13961 16384 27968 162767 42841 14557 213 806
Uttaranchal 0 30006 30006 1314988 118633 427409 340817 32 112
Uttar Pradesh 48348 39933 42281 50756 55713 53354 712206 645 1758
West Bengal 19486 18869 19316 38550 66539 44913 491023 551 1769
A & N Islands 130100 24473 91773 125102 192507 179664 5623 34 74
Chandigarh 175350 5000 68881 139703 224619 165525 494 36 99
Dadra & N. Haveli 0 0 0 0 121704 121704 114 3 13
Daman & Diu 0 158639 158639 48569 671134 271466 4279 27 63
Lakshadweep 0 0 0 77125 148159 143436 86 7 20
Puducherry 169469 128995 166914 98183 201954 179623 79380 47 97
all-India 57633 52005 55460 65441 125126 87938 13390320 6644 19064

Table 20c-R: Table 20b-R: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major
household type:: all
major household: all Rural
amount no. of
short-
short- term
term non- all
pledged pledged
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 175924 64189 125003 63029 113479 107773 5055109 1069 2070
Assam 19235 18254 18601 43406 115358 52200 275911 719 2982
Bihar 54637 46633 48867 49551 59094 56416 2306729 1659 3671
Chhattisgarh 47153 23424 26663 49276 126489 73021 380264 290 1147
Delhi 175000 50347 63188 166594 128259 141205 3064 37 107
Goa 107598 35779 53482 252251 556174 471930 80332 94 168
Gujarat 76912 126149 94039 90074 96839 98382 1499449 1066 2302
Haryana 230717 126932 156968 182773 159654 192312 1189409 464 1037
Jammu & Kashmir 69496 35774 38585 78317 131878 100561 175145 382 1242
Jharkhand 15618 20459 20198 43350 36532 34624 240152 488 1369
Karnataka 80267 66270 73329 75106 185081 110659 3977974 1182 2340
Kerala 113976 91877 112078 221680 350589 297752 7573064 1119 2167
Madhya Pradesh 66815 58980 63480 83541 114261 86205 1802877 1254 3428
Maharashtra 67702 62732 68831 102566 161894 108336 4242832 2109 4589
Manipur 45248 46332 45513 34396 107439 50722 12942 258 1328
Meghalaya 55846 19829 35807 49679 138097 65243 7782 123 930
Mizoram 32539 35139 33826 89661 209427 121000 6032 165 604
Nagaland 29863 26851 28036 95427 226502 128318 7984 128 616
Odisha 22280 42499 36851 46301 89518 53023 1065284 1119 2954
Punjab 329853 66826 228617 123536 185203 195250 1778401 636 1270
Rajasthan 100255 66641 85465 107751 168329 126754 3920690 1312 2933
Sikkim 186028 97643 127372 46773 758729 599498 48685 221 548
Tamil Nadu 60547 59236 66040 107484 161666 115420 4287486 1446 3429
Telangana 66955 80271 79924 55248 101843 85836 2499565 699 1344
Tripura 14665 23221 18892 24099 105955 36664 24396 430 1456
Uttaranchal 31805 81446 75132 271565 84962 148103 631138 224 523
Uttar Pradesh 59127 59217 60934 74299 78572 75122 5356825 4156 8587
West Bengal 22210 20561 21503 40593 64202 47643 1590731 1622 4527
A & N Islands 93265 79743 85366 88379 113674 111180 10530 93 237
Chandigarh 175350 5000 68881 139778 221230 169121 560 44 112
Dadra & N. Haveli 6960 14202 12313 100070 99323 96532 1272 48 112
Daman & Diu 0 162242 162242 138839 575591 234560 6183 47 112
Lakshadweep 31203 10000 26959 46039 223808 142734 499 39 111
Puducherry 186853 71654 165361 96705 201954 175783 93138 55 112
all-India 82779 58752 71551 81853 132935 103457 50779582 25432 62135

Appendix A A-266
Table 20a-U: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major household type:
self-employed
major household: self-employed Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 367883 128119 218205 170275 575631 360295 2214584 350 648
Assam 93237 18751 58145 117935 265875 191103 111878 92 311
Bihar 189630 82029 108155 94469 271736 179274 187075 209 505
Chhattisgarh 143431 210613 196907 67989 826722 414469 214335 106 281
Delhi 280827 55906 61141 128644 835308 424328 246850 136 657
Goa 0 0 0 1020793 1301790 1269541 61373 18 35
Gujarat 80909 142557 115691 143249 610608 390024 1384742 449 890
Haryana 328771 216164 236217 202420 1955341 1197999 1124285 198 465
Jammu & Kashmir 197438 56333 125900 91723 522243 453401 238503 154 315
Jharkhand 139635 55783 59079 85151 237112 136499 103430 142 331
Karnataka 120567 99924 111513 148099 640390 416477 2380351 437 815
Kerala 169601 132223 174072 157866 682677 518994 1999084 331 595
Madhya Pradesh 89111 123648 115970 205648 578354 380253 954512 493 1120
Maharashtra 96407 83326 95591 192839 596330 417168 2656290 663 1526
Manipur 51945 54464 52986 103445 131559 86315 4890 101 596
Meghalaya 0 19300 19300 44692 642769 271598 4152 32 129
Mizoram 101128 3298 87931 86689 279327 154105 3574 44 218
Nagaland 51333 50057 50747 96707 324767 97746 567 15 103
Odisha 42708 51335 50686 79941 3774683 1470906 1374440 184 439
Punjab 279755 67142 197020 117688 325657 285951 529254 252 530
Rajasthan 67487 117196 101912 208400 389981 290730 848573 389 851
Sikkim 303343 59683 125837 261770 363470 325668 4685 45 93
Tamil Nadu 161607 122925 159520 192744 637869 390192 4256513 498 1046
Telangana 58654 396390 341630 140909 1355949 702218 2960323 231 453
Tripura 28914 14026 19824 49511 336493 120160 12140 136 350
Uttaranchal 46500 44375 45674 452447 1144109 803136 275058 68 165
Uttar Pradesh 72054 76710 76914 112682 553273 302712 1740141 979 2339
West Bengal 24761 20971 21883 88107 296759 191503 793452 670 1630
A & N Islands 0 16000 16000 100678 341651 246058 6120 18 30
Chandigarh 0 14184 14184 305711 571291 484024 34915 31 72
Dadra & N. Haveli 0 0 0 219190 769249 649668 19279 23 38
Daman & Diu 0 0 0 135113 335111 327416 3753 10 27
Lakshadweep 9350 0 9350 33800 431423 338180 1381 12 19
Puducherry 154616 109494 159915 135091 341242 202488 37783 49 84
all-India 148608 124485 141578 159652 661897 414689 26911516 7657 17905

Table 20b-U: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major household type:
others
major household: others Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 154767 222163 202866 89796 302563 220344 2725215 667 1450
Assam 28004 27882 27894 111732 286537 219512 215418 231 636
Bihar 136616 44734 64099 102183 239100 157329 278888 304 722
Chhattisgarh 443352 34486 50753 111245 258366 148689 138069 156 503
Delhi 200274 37552 61828 102394 1037258 672876 864470 246 1298
Goa 156810 207152 180407 278813 617275 510534 112163 58 133
Gujarat 96387 47374 72107 175841 442577 359208 2578057 579 1325
Haryana 340372 170128 192169 137979 1220128 821033 1876672 233 582
Jammu & Kashmir 59046 52331 55213 111443 419787 374263 233279 243 632
Jharkhand 89872 54507 64315 146003 251648 178134 163332 183 605
Karnataka 81279 104613 100956 155061 409360 286613 2780340 672 1529
Kerala 115816 60583 101457 148859 374289 309048 2825731 879 1637
Madhya Pradesh 82532 66072 71661 104678 548482 366232 1280135 584 1545
Maharashtra 90560 88535 92349 155906 772048 575154 8397733 1283 3010
Manipur 35109 86065 73972 94243 209595 137156 7746 132 521
Meghalaya 31751 67621 64505 165544 275628 183155 14286 136 375
Mizoram 83910 86756 84629 141571 333810 271625 32580 215 454
Nagaland 637500 33929 110517 211996 225434 210364 4587 68 289
Odisha 30395 52393 49281 87393 201518 135404 223543 311 734
Punjab 336498 46594 195882 118115 292696 255033 757234 360 756
Rajasthan 81051 75535 80321 177379 234060 206169 904977 490 1085
Sikkim 0 74558 74558 234708 802311 714400 22806 114 242
Tamil Nadu 117365 66203 103848 143601 530233 309235 7390370 1017 2367
Telangana 90438 95338 95155 147386 754266 401373 2652011 408 857
Tripura 26855 18523 21647 68975 310588 165226 25452 255 658
Uttaranchal 22989 42815 40745 93809 478766 369103 191849 127 281
Uttar Pradesh 55817 38966 43717 144806 845248 553139 5388113 1109 2617
West Bengal 53335 21856 27214 84400 391401 265945 1398693 982 2545
A & N Islands 70525 42575 50559 156114 356715 306914 26381 66 135
Chandigarh 0 50000 50000 163005 630617 485432 100579 69 150
Dadra & N. Haveli 0 9040 9040 270031 1455957 1164264 40569 24 74
Daman & Diu 0 70264 70264 100251 127078 109907 5139 24 85
Lakshadweep 0 93366 93366 77988 169857 163338 2742 48 93
Puducherry 124165 156979 155192 80788 303563 215740 128166 124 252
all-India 114837 84125 101520 134087 534736 358917 43940851 12589 30760

Appendix A A-268
Table 20c-U: Average amount of cash loans outstanding as on 30.06.02 by type of loan for each major household type:
all
major household: all Urban
amount no. of
short-
short- term short-
term non- term all
lakhs) cash loan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Andhra Pradesh 231374 185400 208702 116734 383711 266806 4939798 1017 2098
Assam 76850 25795 38824 115236 280311 208897 327295 323 947
Bihar 154409 56903 78343 98583 250562 165460 465964 513 1227
Chhattisgarh 216177 86510 100819 94466 459907 243759 352404 262 784
Delhi 213035 48211 61453 110991 987795 595409 1111320 382 1955
Goa 156810 207152 180407 333627 772701 647425 173535 76 168
Gujarat 90889 85053 88721 160449 487519 369407 3962799 1028 2215
Haryana 336853 184053 205282 161524 1418055 930756 3000957 431 1047
Jammu & Kashmir 122372 53911 85146 102235 466201 410483 471781 397 947
Jharkhand 95007 55204 61841 116888 245619 159295 266762 325 936
Karnataka 97060 103434 104007 152123 496219 334759 5160691 1109 2344
Kerala 131793 80768 122154 151619 464477 371277 4824815 1210 2232
Madhya Pradesh 86940 96715 96931 145787 559804 372093 2234646 1077 2665
Maharashtra 93611 86840 93638 168992 724545 527178 11054023 1946 4536
Manipur 48158 72476 61755 99524 188859 111696 12636 233 1117
Meghalaya 31751 60150 58036 141892 332159 197649 18438 168 504
Mizoram 89055 73036 85517 124555 329046 252585 36154 259 672
Nagaland 116954 41907 71636 195136 231233 186715 5154 83 392
Odisha 36384 51943 49892 84302 1285945 618090 1597984 495 1173
Punjab 310906 53289 196343 117950 305540 266905 1286488 612 1286
Rajasthan 73999 95882 91243 191604 288262 239941 1753550 879 1936
Sikkim 303343 67159 104095 244220 681033 593634 27491 159 335
Tamil Nadu 132516 82503 121701 160899 562107 334607 11646883 1515 3413
Telangana 76533 244126 212143 145211 991890 518555 5612334 639 1310
Tripura 27959 16180 20687 61663 318366 147376 37592 391 1008
Uttaranchal 39437 43045 42148 316755 701837 541498 466907 195 446
Uttar Pradesh 63659 54622 58033 130792 756711 460199 7128254 2088 4956
West Bengal 36331 21391 24347 86039 352108 233142 2192145 1652 4175
A & N Islands 70525 36310 44319 139572 353852 293257 32501 84 165
Chandigarh 0 21804 21804 188335 614430 485068 135493 100 222
Dadra & N. Haveli 0 9040 9040 244884 1136899 927583 59847 47 112
Daman & Diu 0 70264 70264 104333 207995 152735 8892 34 112
Lakshadweep 9350 93366 69515 61032 216525 197541 4123 60 112
Puducherry 129827 140347 156297 100748 308569 212572 165949 173 336
all-India 127721 98935 116437 143747 575235 378238 70852367 20246 48665

Table 21R: Number of households reporting kind loans per thousand household as on the date of survey and average value of such loans by major household type
Rural
source of kind loan estimated
input suppliers relatives & friends doctor, lawyers, etc. others all
no.of no. of sample
avg. avg. avg. no. of hhs avg. value of
State/UT no. of hhs no. of hhs no. of hhs no. of hhs avg. hhs reporting
amount amount amount report. amount house-
report. kind report. kind report. kind report. kind amount kind loans kind loans
(Rs.) of (Rs.) of (Rs.) of kind loans (Rs.) of holds
loans per loans per loans per loans per (Rs.) of (Rs.000)
kind kind kind per 1000 kind (00)
1000 hh 1000 hh 1000 hh 1000 hh kind loans
loans loans loans hh loans
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Andhra Pradesh 50 5002 6 2642 4 3975 23 2608 83 4151 7173 2977594 146
Arunachal Pradesh 12 2676 22 10924 2 1349 9 19542 45 10005 74 74226 54
Assam 6 12531 4 21576 3 1532 19 2457 32 6633 1690 1121179 139
Bihar 33 4490 19 2534 29 4169 55 2959 135 3557 19043 6774045 525
Chhattisgarh 59 7586 14 4045 31 4947 25 4147 126 6057 4710 2853047 173
Delhi 9 407 0 0 0 0 171 1437 180 1387 119 16490 13
Goa 0 0 0 0 0 0 0 0 0 0 0 0 0
Gujarat 30 7965 11 4374 10 7074 34 5839 82 6709 4822 3234661 303
Haryana 45 9496 9 12724 5 18206 50 6890 93 10620 2391 2539547 110
Himachal Pradesh 34 10410 3 10622 2 5195 76 14297 114 12988 1513 1964626 172
Jammu & Kashmir 42 2592 9 8185 1 25776 175 3397 225 3508 3096 1086371 368
Jharkhand 24 1183 10 2792 13 1512 63 2055 110 1868 4109 767528 217
Karnataka 25 4087 9 2353 14 3095 87 1560 134 2271 10399 2361173 358
Kerala 31 23323 18 75820 0 2000 43 6040 88 26643 4515 12029717 206
Madhya Pradesh 112 6748 16 12947 24 3833 64 6426 203 7209 17226 12417685 763
Maharashtra 51 8217 9 23465 30 4725 44 6566 126 8339 15803 13177473 797
Manipur 17 3812 21 6362 6 3893 12 4210 54 4946 140 69162 72
Meghalaya 6 6851 4 1182 0 0 12 640 22 2431 102 24722 25
Mizoram 1 18097 3 5152 0 0 24 5074 28 5612 26 14821 44

Appendix A A-270
Table 21R: Number of households reporting kind loans per thousand household as on the date of survey and average value of such loans by major household type
Rural
no.of no. of sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Nagaland 0 0 0 0 0 0 0 0 0 0 0 0 0
Odisha 24 3622 6 1770 2 1737 135 2352 165 2538 12923 3280420 486
Punjab 56 10995 1 49234 19 8137 49 11395 117 11713 3217 3768212 186
Rajasthan 73 11437 9 8230 8 38856 47 9189 131 12601 10805 13615730 439
Sikkim 0 8150 39 2871 0 6250 276 2876 316 2889 364 105022 159
Tamil Nadu 8 7927 4 17405 0 0 15 2213 26 6011 2452 1474032 104
Telangana 19 14778 5 6939 0 0 21 5058 43 9656 2143 2069620 73
Tripura 22 2581 12 9314 3 946 37 3378 73 4013 486 194897 156
Uttaranchal 90 2560 1 3568 10 1045 21 5251 122 2918 2015 588000 74
Uttar Pradesh 42 7374 9 5021 11 7904 27 8151 87 7601 20909 15892126 956
West Bengal 102 6543 4 5608 16 2407 132 4798 240 5697 33876 19299346 1094
A & N Islands 5 360757 4 199103 0 0 35 24975 44 76688 23 180184 19
Chandigarh 0 0 0 0 0 0 0 0 0 0 0 0 0
Dadra & N. Haveli 0 0 0 0 0 0 2 55489 2 55489 0 2552 2
Daman & Diu 0 0 0 0 0 0 2 5215 2 5215 0 194 5
Lakshadweep 25 5227 0 0 0 0 0 0 25 5227 1 599 6
Puducherry 23 1248 1 500 0 0 173 4053 195 3735 253 94572 25
all-India 47 7426 9 11975 13 5784 55 4798 119 6655 186421 124069575 8269

Table 21U: Number of households reporting kind loans per thousand household as on the date of survey and average value of such loans by major household type
Urban
no.of no. of sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Andhra Pradesh 17 11174 3 6173 5 5507 17 7726 41 8825 1899 1676173 112
Arunachal Pradesh 44 5969 33 14290 0 21000 54 14790 120 12874 66 85511 56
Assam 7 20157 3 9518 0 300 7 1698 17 10749 149 160602 49
Bihar 27 19554 5 3493 22 4681 80 3988 133 7343 2819 2069728 173
Chhattisgarh 31 14129 15 6057 13 2608 25 2988 76 8444 931 785978 94
Delhi 3 41993 0 500 1 4457 37 4862 41 7701 1380 1062691 73
Goa 0 0 0 0 0 0 0 0 0 0 0 0 0
Gujarat 35 5212 9 4773 13 2708 28 4389 84 4611 4633 2136197 177
Haryana 7 65774 6 11141 1 38813 24 5178 35 19245 892 1716215 70
Himachal Pradesh 4 6849 16 4841 0 100000 33 5599 54 6314 126 79635 32
Jammu & Kashmir 82 276984 7 7013 2 5436 195 4624 278 85101 1507 12820868 306
Jharkhand 47 13459 10 3197 2 6635 115 2331 156 6106 2246 1371686 123
Karnataka 30 13596 8 4225 15 5891 66 4854 106 8005 6141 4916205 307
Kerala 17 7837 16 129368 2 2936 16 2946 47 49811 1288 6414672 143
Madhya Pradesh 58 36234 5 3945 13 6682 39 4026 107 22102 4221 9329179 402
Maharashtra 28 9091 8 4674 17 5972 34 9936 85 8592 9421 8094627 479
Manipur 29 10052 10 4392 1 1121 31 4156 68 6768 113 76386 89
Meghalaya 4 6132 0 2000 0 0 2 1220 7 4305 8 3386 7

Appendix A A-272
Table 21U: Number of households reporting kind loans per thousand household as on the date of survey and average value of such loans by major household type
Urban
no.of no. of sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Mizoram 5 20690 8 2920 0 0 61 20379 74 18421 67 123408 62
Nagaland 0 0 0 0 0 0 0 0 0 0 0 0 0
Odisha 35 33962 2 1864 38 1636 89 3780 163 9795 2254 2207343 209
Punjab 30 10635 0 9500 2 3642 19 7189 51 9119 1333 1215118 79
Rajasthan 26 9469 2 5599 0 10000 29 5886 57 7556 1852 1399372 157
Sikkim 2 21843 0 0 0 0 214 2864 215 2999 97 29115 68
Tamil Nadu 7 7102 4 145900 1 1438 19 3699 31 22452 3096 6950665 125
Telangana 38 10486 1 1575 0 0 8 1474 46 8994 1617 1453907 59
Tripura 19 4092 0 2000 3 3137 52 6713 73 5966 147 87938 101
Uttaranchal 47 3526 0 2500 0 0 3 6423 50 3717 311 115575 24
Uttar Pradesh 38 7786 5 5273 10 14090 37 10591 86 9971 7020 6999738 599
West Bengal 41 17691 4 10934 7 3528 125 5554 170 8781 10843 9521447 826
A & N Islands 8 146307 2 6000 0 0 50 3815 60 23024 22 50308 8
Chandigarh 0 0 0 0 0 0 3 1300 3 1300 8 984 2
Dadra & N. Haveli 1 15000 0 0 0 0 10 4624 10 6026 3 2096 5
Daman & Diu 27 10014 0 0 1 2000 74 4484 101 5963 80 47856 18
Lakshadweep 3 34297 5 390000 0 0 0 0 9 244540 1 14830 4
Puducherry 33 8794 57 3560 0 0 100 1474 190 3361 365 122551 35
all-India 28 19401 6 29440 8 5922 42 5802 80 12418 66954 83141988 5073

Table 22R: Number of households reporting and average value (Rs.) of kind loans on the date of survey per thousand household
per household by outstanding period of loan
Rural
no. of hhs report. kind loans per 1000 hh having avg. value (Rs.) of kind loans per household having
outstanding period of kind loan outstanding period of kind loan
State/UT <3 3-6 6-12 1 year <3 3-6 6-12 1 year
any any
months months months + months months months +
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Andhra Pradesh 53 26 3 2 83 1461 1694 686 311 4151

Arunachal Pradesh 4 5 15 20 45 1710 1141 2898 4257 10005
Assam 22 3 7 0 32 1417 292 4778 146 6633
Bihar 83 20 15 21 135 1026 550 977 1004 3557
Chhattisgarh 61 32 33 2 126 1097 1559 2827 575 6057
Delhi 150 30 0 0 180 1055 332 0 0 1387
Goa 0 0 0 0 0 0 0 0 0 0
Gujarat 46 16 16 5 82 2382 1453 2177 696 6709
Haryana 47 21 32 2 93 2262 1449 6203 706 10620
Himachal Pradesh 70 20 10 17 114 3769 943 2208 6067 12988
Jammu & Kashmir 126 77 12 15 225 1307 1206 344 651 3508
Jharkhand 78 21 8 6 110 942 435 204 287 1868
Karnataka 83 33 8 19 134 1111 586 185 388 2271
Kerala 50 16 15 13 88 3508 6083 6678 10374 26643
Madhya Pradesh 95 74 30 14 203 1260 2856 2255 838 7209
Maharashtra 60 32 27 19 126 1644 2316 2102 2276 8339
Manipur 29 12 7 7 54 1440 1618 444 1443 4946
Meghalaya 22 0 0 0 22 2431 0 0 0 2431
Mizoram 21 3 2 3 28 1917 843 439 2412 5612
Nagaland 0 0 0 0 0 0 0 0 0 0
Odisha 107 25 18 18 165 944 613 452 529 2538
Punjab 32 47 37 27 117 1797 3693 3318 2904 11713
Rajasthan 54 37 29 18 131 2266 2894 3111 4329 12601
Sikkim 299 15 1 0 316 2632 240 4 12 2889
Tamil Nadu 14 7 4 2 26 2775 1336 428 1473 6011
Telangana 30 6 6 2 43 2659 5080 1539 377 9656
Tripura 44 17 7 12 73 857 734 798 1624 4013
Uttaranchal 70 35 10 8 122 845 824 465 784 2918
Uttar Pradesh 29 20 14 26 87 1121 1672 1187 3620 7601
West Bengal 99 80 57 34 240 1049 1402 1556 1690 5697
A & N Islands 19 8 0 17 44 1947 862 0 73879 76688
Chandigarh 0 0 0 0 0 0 0 0 0 0
D. & N. Haveli 0 2 0 0 2 0 55489 0 0 55489
Daman & Diu 1 0 1 0 2 2129 0 2286 800 5215
Lakshadweep 20 1 0 5 25 1979 109 0 3140 5227
Puducherry 119 7 67 50 195 2106 46 151 1432 3735
all-India 60 31 20 16 119 1403 1703 1681 1869 6655
estd. no. of hhs 93637 47994 30954 25097 186421
93637 47994 30954 25097 186421
(00) (kind loans)
val. of loan
- - - - - 26156488 31743386 31331312 34838389 124069575
(Rs.000)
sample no. of 4291 1989 1346 1163 8269
4291 1989 1346 1163 8269
hhs (kind loans)

Appendix A A-274
Table 22U: Number of households reporting and average value (Rs.) of kind loans on the date of survey per thousand household
per household by outstanding period of loan
Rural
no. of hhs report. kind loans per 1000 hh having avg. value (Rs.) of kind loans per household having
outstanding period of kind loan outstanding period of kind loan
State/UT <3 3-6 6-12 1 year <3 3-6 6-12 1 year
any any
months months months + months months months +
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Andhra Pradesh 27 8 3 3 41 3679 1099 879 3167 8825

Arunachal Pradesh 85 13 8 17 120 3577 966 563 7769 12874
Assam 11 2 3 0 17 2316 3480 4953 0 10749
Bihar 85 23 22 4 133 2123 739 1464 3018 7343
Chhattisgarh 63 11 3 1 76 3677 4457 111 200 8444
Delhi 39 1 0 1 41 4591 53 0 3057 7701
Goa 0 0 0 0 0 0 0 0 0 0
Gujarat 69 10 5 2 84 3469 505 297 340 4611
Haryana 17 14 3 2 35 3569 7499 6921 1255 19245
Himachal Pradesh 47 1 4 1 54 2751 902 1152 1509 6314
Jammu & Kashmir 204 83 16 20 278 2123 3089 79494 395 85101
Jharkhand 145 9 2 2 156 4767 328 980 30 6106
Karnataka 78 11 14 14 106 4700 693 1115 1497 8005
Kerala 24 11 8 8 47 4178 5662 13549 26422 49811
Madhya Pradesh 73 20 13 11 107 18274 1318 1293 1217 22102
Maharashtra 59 16 5 6 85 3396 893 627 3677 8592
Manipur 38 24 3 7 68 1087 1975 379 3327 6768
Meghalaya 7 0 0 0 7 4305 0 0 0 4305
Mizoram 67 1 0 7 74 3184 1602 0 13635 18421
Nagaland 0 0 0 0 0 0 0 0 0 0
Odisha 124 14 8 18 163 1766 266 5678 2084 9795
Punjab 19 25 6 2 51 1389 4869 610 2251 9119
Rajasthan 40 9 6 1 57 3982 1673 1318 583 7556
Sikkim 202 13 0 0 215 2551 447 0 1 2999
Tamil Nadu 18 5 3 6 31 3671 1019 1198 16565 22452
Telangana 33 1 6 7 46 3995 347 3123 1528 8994
Tripura 60 5 2 6 73 1532 174 257 4003 5966
Uttaranchal 47 1 0 3 50 1139 152 439 1987 3717
Uttar Pradesh 50 16 11 15 86 3198 1197 919 4657 9971
West Bengal 80 37 36 30 170 3113 1286 2029 2353 8781
A & N Islands 16 44 2 0 60 19417 2990 618 0 23024
Chandigarh 3 0 0 0 3 1300 0 0 0 1300
D. & N. Haveli 10 1 0 0 10 4624 1402 0 0 6026
Daman & Diu 89 1 0 12 101 3536 41 0 2386 5963
Lakshadweep 3 0 5 0 9 14025 0 230514 0 244540
Puducherry 143 24 22 2 190 1080 309 692 1281 3361
all-India 53 14 9 8 80 4328 1283 3374 3433 12418
estd. no. of hhs
(00) (kind loans) 44206 11596 7488 7069 66954 44206 11596 7488 7069 66954
val. of loan
- - - - - 28974789 8590719 22588108 22988372 83141988
(Rs.000)
sample no. of
hhs (kind loans) 3219 884 610 688 5073 3219 884 610 688 5073

Table 23R: Estimated number of households reporting having Kisan Credit Card (KCC) and average amount of credit received
through it during last 365 days for each major household type
Rural
cultivator non-cultivator all no. of hhs with KCC
no. of hhs avg. amount no. of hhs avg. amount no. of hhs avg. amount
reporting (Rs.) of credit reporting (Rs.) of credit reporting (Rs.) of credit
estd.(00) sample
having recd.. by hh having recd.. by hh having recd.. by hh
State/UT KCC having KCC KCC having KCC KCC having KCC
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Andhra Pradesh 49318 22000 2049 0 51367 21122 514 20
Assam 126280 17617 13084 3817 139365 16321 1394 196
Bihar 512900 29299 38755 15024 551655 28296 5517 507
Chhattisgarh 478810 15871 7507 16332 486317 15878 4863 297
Delhi 22 87500 0 0 22 87500 0 2
Goa 171 0 0 0 171 0 2 1
Gujarat 324119 56382 0 0 324119 56382 3241 160
Haryana 318085 100157 26961 5937 345046 92795 3450 185
Jammu & Kashmir 64221 18346 182 4000 64403 18305 644 125
Jharkhand 232378 14879 35854 1452 268232 13084 2682 207
Karnataka 44406 3024 0 0 44406 3024 444 16
Kerala 45402 41203 4232 0 49633 37690 496 26
Madhya Pradesh 1371655 69986 12499 4455 1384154 69394 13842 871
Maharashtra 394345 40642 29919 737 424264 37828 4243 207
Manipur 335 35295 0 0 335 35295 3 7
Meghalaya 1815 26634 91 20000 1905 26318 19 17
Mizoram 284 54386 53 27429 337 50134 3 9
Nagaland 452 3951 0 0 452 3951 5 2
Odisha 381300 12432 26488 6848 407788 12070 4078 257
Punjab 134304 324834 3728 129688 138032 319563 1380 98
Rajasthan 1485014 76860 7174 36491 1492188 76666 14922 780
Sikkim 228 13239 0 0 228 13239 2 7
Tamil Nadu 29374 13770 0 0 29374 13770 294 18
Telangana 37175 25619 1603 776 38778 24592 388 11
Tripura 16552 10679 973 6087 17524 10424 175 42
Uttaranchal 323477 25623 0 0 323477 25623 3235 126
Uttar Pradesh 3680945 35123 85669 9795 3766614 34547 37666 2255
West Bengal 557168 15637 23766 6333 580934 15256 5809 286
A & N Islands 1228 1202 186 100000 1414 14196 14 14
Chandigarh 0 0 0 0 0 0 0 0
D. & N. Haveli 81 8843 0 0 81 8843 1 3
Daman & Diu 0 0 0 0 0 0 0 0
Lakshadweep 0 0 0 0 0 0 0 0
Puducherry 4256 8904 0 0 4256 8904 43 2
all-India 10730201 47854 326833 9200 11057034 46711 110570 6946
sample hhs. - - - - -
6754 192 6946
having KCC

Appendix A A-276
Table 23U: Estimated number of households reporting having Kisan Credit Card (KCC) and average amount of credit received
through it during last 365 days for each major household type
Urban
self-employed others all no. of hhs with KCC
no. of hhs avg. amount no. of hhs avg. amount no. of hhs avg. amount
reporting (Rs.) of credit reporting (Rs.) of credit reporting (Rs.) of credit
estd.(00) sample
having recd.. by hh having recd.. by hh having recd.. by hh
State/UT KCC having KCC KCC having KCC KCC having KCC
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Andhra Pradesh 8129 58682 5269 41093 13398 51764 134 15
Assam 1917 15177 2308 2 4225 6886 42 7
Bihar 7012 20626 2887 51630 9899 29668 99 40
Chhattisgarh 30474 11365 1556 187980 32031 19946 320 24
Delhi 0 0 0 0 0 0 0 0
Goa 0 0 0 0 0 0 0 0
Gujarat 24361 26814 26709 12306 51069 19226 511 36
Haryana 7083 215806 2246 173567 9330 205637 93 36
Jammu & Kashmir 1648 16184 1681 14805 3329 15488 33 19
Jharkhand 2370 44716 3537 20785 5907 30385 59 18
Karnataka 3149 104587 9206 86149 12355 90848 124 8
Kerala 6243 20013 6125 2972 12368 11574 124 14
Madhya Pradesh 91852 93180 28877 114890 120729 98373 1207 170
Maharashtra 12637 57217 31076 6705 43713 21307 437 34
Manipur 0 0 128 11094 128 11094 1 3
Meghalaya 70 32837 2047 419 2117 1499 21 6
Mizoram 296 18629 0 0 296 18629 3 3
Nagaland 362 1114 0 0 362 1114 4 2
Odisha 3321 23752 4039 17571 7359 20360 74 22
Punjab 5089 589831 2354 160588 7443 454082 74 15
Rajasthan 57635 89778 8904 92552 66539 90149 665 80
Sikkim 0 0 0 0 0 0 0 0
Tamil Nadu 18186 32501 8770 8891 26956 24820 270 7
Telangana 3942 50870 2056 1519 5997 33955 60 5
Tripura 0 0 514 1173 514 1173 5 2
Uttaranchal 0 0 109 0 109 0 1 1
Uttar Pradesh 112439 45293 42397 75708 154836 53621 1548 252
West Bengal 14209 4499 4675 3620 18884 4281 189 19
A & N Islands 0 0 0 0 0 0 0 0
Chandigarh 126 0 0 0 126 0 1 1
D. & N. Haveli 214 32000 0 0 214 32000 2 1
Daman & Diu 170 24999 0 0 170 24999 2 2
Lakshadweep 9 0 0 0 9 0 0 1
Puducherry 0 0 0 0 0 0 0 0
all-India 413598 66168 198050 52610 611648 61778 6116 854
sample hhs. - - - - -
having KCC 594 260 854

Table 24R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by size class of cash loan outstanding for each household asset holding class
All-India Rural
size class of cash loan per 1000 no. of household of asset holding class reporting outstanding loan as on 30.06.12
cash loan
outstanding
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
major household type: cultivator
1 43 44 27 31 17 26 16 17 10 6 19 18502 984
2 46 39 42 39 29 29 26 28 18 16 28 27093 1484
3 45 30 17 26 25 19 17 18 15 10 19 18447 1008
4 85 85 91 99 82 85 81 93 86 40 81 77884 4082
5 94 51 76 77 85 104 98 101 102 80 90 86673 4632
6 30 33 50 40 62 63 88 100 114 92 77 74544 4031
7 16 48 25 32 30 55 49 69 83 80 55 53601 2649
8 9 2 11 18 24 25 36 45 91 98 46 44141 2525
9 5 3 2 8 6 11 24 25 52 92 30 28787 1480
10 4 0 4 1 1 3 4 9 15 46 11 10933 712
all 285 277 281 289 296 322 334 381 435 424 350 338556 18788
samp. hhs. report.
cash loan (00) 298 607 1070 1457 1772 2018 2158 2558 3216 3634 18788 - -
major household type: non-cultivator
1 18 19 25 13 6 8 5 7 7 3 15 8711 403
2 23 24 30 27 23 40 25 22 19 2 26 15164 641
3 20 26 22 23 10 27 29 19 6 10 21 12635 408
4 61 70 91 50 92 89 59 52 82 20 70 41494 1608
5 40 38 58 86 126 99 64 81 71 41 64 38256 1500
6 31 30 26 45 72 68 69 73 104 52 46 27224 1172
7 15 14 25 36 44 44 45 48 86 22 29 17476 812
8 12 12 32 24 39 70 41 69 85 71 32 18902 807
9 3 5 9 15 17 12 16 50 61 66 14 8511 472
10 0 0 1 2 2 5 10 19 18 123 7 3888 288
all 180 201 262 256 335 349 299 336 369 325 256 152271 6644
samp. hhs. report.
cash loan (00) 947 936 882 825 706 631 477 437 464 339 6644 - -

Appendix A A-278
Table 24R: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by size class of cash loan outstanding for each household asset holding class
All-India Rural
cash loan
outstanding
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
major household type: all
1 22 27 26 23 13 20 13 15 10 6 17 27213 1387
2 27 29 36 34 27 32 26 27 18 15 27 42258 2125
3 24 28 20 25 20 21 19 18 14 10 20 31082 1416
4 65 75 91 78 86 86 76 85 85 38 76 119377 5690
5 48 42 67 81 99 102 91 97 98 76 80 124929 6132
6 31 31 37 42 65 65 84 96 113 88 65 101768 5203
7 15 24 25 34 35 51 48 65 83 74 46 71077 3461
8 12 9 22 21 30 38 37 50 90 95 40 63043 3332
9 4 4 6 11 10 11 23 29 53 89 24 37297 1952
10 1 0 2 1 1 4 5 11 15 55 9 14821 1000
all 196 223 271 275 309 330 327 373 426 413 314 490826 25432
samp. hhs. report.
cash loan (00) 1245 1543 1952 2282 2478 2649 2635 2995 3680 3973 25432 - -

Table 24U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by size class of cash loan outstanding for each household asset holding class
All-India Urban
cash loan
outstanding
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
major household type: self-employed
1 19 6 7 12 9 9 3 2 1 1 6 1477 190
2 5 16 14 13 15 20 9 5 5 3 10 2735 334
3 4 7 11 19 9 11 12 5 7 1 9 2261 254
4 18 51 43 49 39 45 33 28 17 10 32 8524 1050
5 20 37 59 56 65 71 57 26 25 27 45 11913 1293
6 28 28 38 44 47 49 50 47 49 38 44 11467 1286
7 29 27 25 39 33 44 56 43 35 36 38 10023 1064
8 21 30 49 32 43 50 56 52 62 65 50 13040 1384
9 1 12 19 21 14 30 40 45 81 78 41 10640 1248
10 0 4 6 4 18 12 30 70 93 158 50 13117 1387
all 114 175 224 227 223 256 255 242 279 316 247 64896 7657
samp. hhs. report.
cash loan (00) 82 288 510 692 819 1001 904 1000 1098 1263 7657 - -
major household type: others
1 6 7 6 15 7 5 10 8 1 1 7 3800 383
2 13 16 15 18 18 11 11 11 5 1 12 7032 623
3 5 10 10 12 13 11 6 4 3 1 8 4408 459
4 20 32 40 54 44 42 30 17 12 9 30 17446 1736
5 17 43 43 56 49 48 31 39 28 13 36 20928 1961
6 27 31 43 44 38 42 37 42 40 25 37 21005 1926
7 9 19 29 40 35 31 37 42 35 25 29 16746 1677
8 6 16 33 44 41 44 50 75 71 53 41 23434 2399
9 5 7 17 20 24 34 48 58 84 80 35 19886 2157
10 0 3 4 16 10 16 33 60 118 181 39 22288 2057
all 92 138 194 248 214 221 229 262 304 319 213 122426 12589
samp. hhs. report. 444 708 1029 1410 1386 1432 1501 1669 1644 1366 12589 - -

Appendix A A-280
Table 24U: Number of households reporting cash loans outstanding as on 30.06.12 per thousand household by size class of cash loan outstanding for each household asset holding class
All-India Urban
cash loan
outstanding
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
cash loan (00)
1 6 7 6 14 8 7 7 6 1 1 6 5276 573
2 12 16 14 16 17 15 10 9 5 2 12 9767 957
3 5 9 10 14 12 11 8 4 5 1 8 6668 713
4 20 36 41 52 42 43 31 21 14 9 31 25970 2786
5 17 41 47 56 54 57 40 34 27 19 39 32841 3254
6 27 30 42 44 41 45 41 44 43 30 39 32472 3212
7 11 20 28 40 34 36 44 43 35 30 32 26769 2741
8 7 19 37 40 42 46 52 66 67 58 44 36474 3783
9 5 8 18 20 21 32 45 53 83 79 36 30525 3405
10 0 3 4 12 12 15 32 64 108 171 42 35405 3444
all 93 146 202 242 217 234 238 254 294 317 224 187322 20246
samp. hhs. report.
cash loan (00) 526 996 1539 2102 2205 2433 2405 2669 2742 2629 20246 - -

Table 25R: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of cash loan outstanding for each household asset holding class
All-India Rural
amount of no. of hhs reporting
size class of cash amount of loan (Rs.) per Rs.1000 of total outstanding loan of household of asset holding class cash loan cash loan
loan outstanding (Rs. lakhs)
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
major household type: cultivator
1 10 11 5 6 3 3 2 2 0 0 1 49892 18502 984
2 22 23 20 18 11 8 5 5 2 1 4 161328 27093 1484
3 34 26 12 15 14 8 5 4 2 1 4 160173 18447 1008
4 111 152 114 104 81 65 42 40 23 6 33 1224374 77884 4082
5 222 147 185 160 163 148 98 81 56 24 70 2610875 86673 4632
6 114 157 190 137 202 143 156 149 114 48 105 3925544 74544 4031
7 92 376 167 171 159 211 138 169 128 67 122 4547925 53601 2649
8 104 29 115 192 234 188 194 205 242 141 181 6762889 44141 2525
9 113 78 31 149 108 129 284 186 259 256 224 8376639 28787 1480
10 178 0 159 49 24 96 75 158 173 457 256 9569623 10933 712
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 37389263 338556 18788
samp. hhs. report.
cash loan (00) 298 607 1070 1457 1772 2018 2158 2558 3216 3634 18788 - - -
major household type: non-cultivator
1 5 7 4 2 1 1 1 1 0 0 2 23517 8711 403
2 14 17 12 9 6 8 5 3 2 0 7 87364 15164 641
3 21 27 13 11 3 8 9 3 1 1 8 111509 12635 408
4 124 129 89 48 54 55 37 21 27 2 51 683618 41494 1608
5 131 127 118 141 150 103 68 53 47 7 85 1137073 38256 1500
6 244 185 91 141 171 123 133 77 92 17 114 1521115 27224 1172
7 161 129 139 145 136 131 138 88 115 13 107 1433075 17476 812
8 194 200 296 219 230 360 204 204 203 70 203 2724217 18902 807
9 95 166 194 214 195 120 153 318 268 122 178 2387953 8511 472
10 11 14 45 69 52 92 252 233 245 769 245 3280880 3888 288
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 13390320 152271 6644
samp. hhs. report.
cash loan (00) 947 936 882 825 706 631 477 437 464 339 6644 - - -

Appendix A A-282
Table 25R: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of cash loan outstanding for each household asset holding class
All-India Rural
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
1 6 8 5 4 2 2 1 1 0 0 1 73409 27213 1387
2 16 19 15 14 9 8 5 4 2 1 5 248692 42258 2125
3 24 26 13 13 9 8 6 4 2 1 5 271682 31082 1416
4 121 137 99 77 69 62 41 36 24 6 38 1907993 119377 5690
5 148 134 145 151 157 132 92 75 55 21 74 3747947 124929 6132
6 220 175 132 139 188 136 151 134 111 43 107 5446659 101768 5203
7 148 213 150 159 148 183 138 152 126 58 118 5981000 71077 3461
8 177 142 222 205 232 250 196 205 237 130 187 9487106 63043 3332
9 98 136 127 180 149 126 257 214 260 235 212 10764592 37297 1952
10 42 9 92 59 37 94 112 174 183 506 253 12850503 14821 1000
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 50779582 490826 25432
samp. hhs. report.
cash loan (00) 1245 1543 1952 2282 2478 2649 2635 2995 3680 3973 25432 - - -

Table 25U: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of cash loan outstanding for each household asset holding class
All-India Urban
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
major household type: self-employed
1 9 1 1 2 1 1 0 0 0 0 0 4244 1477 190
2 4 7 3 4 2 3 1 0 0 0 1 15865 2735 334
3 4 5 4 8 2 2 2 0 0 0 1 19743 2261 254
4 31 52 32 37 16 19 10 5 2 1 5 134996 8524 1050
5 63 76 79 80 50 56 32 9 5 2 13 349666 11913 1293
6 160 103 85 106 73 66 49 30 20 6 23 615877 11467 1286
7 261 138 85 138 73 93 86 48 20 8 31 827274 10023 1064
8 418 257 298 223 162 214 162 93 68 27 74 1986783 13040 1384
9 50 205 233 291 118 247 213 159 176 70 124 3326247 10640 1248
10 2 157 179 113 503 300 445 654 708 886 729 19630822 13117 1387
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 26911516 64896 7657
samp. hhs. report.
cash loan (00) 82 288 510 692 819 1001 904 1000 1098 1263 7657 - - -
major household type: others
1 3 2 1 2 1 0 1 0 0 0 0 11549 3800 383
2 14 9 5 3 4 2 1 1 0 0 1 42448 7032 623
3 9 9 5 3 4 3 1 0 0 0 1 39667 4408 459
4 58 45 31 29 27 18 9 3 1 0 6 278161 17446 1736
5 84 115 62 55 55 42 17 12 5 1 14 628381 20928 1961
6 221 150 118 72 70 61 33 23 12 3 24 1073199 21005 1926
7 137 132 131 110 115 72 56 38 16 5 32 1424672 16746 1677
8 176 218 263 193 229 181 137 122 64 22 82 3623552 23434 2399
9 263 187 255 170 241 272 263 183 137 62 135 5931401 19886 2157
10 36 134 130 363 255 348 483 618 766 906 703 30887822 22288 2057
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 43940851 122426 12589
samp. hhs. report.
cash loan (00) 444 708 1029 1410 1386 1432 1501 1669 1644 1366 12589 - - -

Appendix A A-284
Table 25U: Per Rs.1000 break-up of amount of cash loans outstanding as on 30.06.12 by size class of cash loan outstanding for each household asset holding class
All-India Urban
1 2 3 4 5 6 7 8 9 10 all estd.(00) sample
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
1 3 2 1 2 1 1 0 0 0 0 0 15793 5276 573
2 13 8 4 3 3 2 1 1 0 0 1 58312 9767 957
3 8 7 5 4 4 3 1 0 0 0 1 59410 6668 713
4 55 47 32 31 22 18 9 3 1 0 6 413157 25970 2786
5 82 104 67 61 53 48 22 11 5 1 14 978047 32841 3254
6 215 137 108 80 71 63 38 25 14 4 24 1689076 32472 3212
7 149 133 117 116 98 80 66 42 17 6 32 2251945 26769 2741
8 201 229 273 199 201 194 145 112 65 24 79 5610335 36474 3783
9 241 192 248 197 190 262 246 175 150 66 131 9257647 30525 3405
10 32 140 144 307 357 329 471 630 747 898 713 50518644 35405 3444
all 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 70852367 187322 20246
samp. hhs. report.
cash loan (00) 526 996 1539 2102 2205 2433 2405 2669 2742 2629 20246 - - -

Appendix B
Note on
Sample Design
and
Estimation Procedure
Note on Sample Design and Estimation Procedure
1. Introduction
1.1 The National Sample Survey (NSS), set up by the Government of India in 1950 to collect socio-
economic data employing scientific sampling methods, started its 70th round from 1st January 2013.
The survey continued till 31st December 2013.
1.2 Subject Coverage: The 70th round (January 2013 - December 2013) of NSS was earmarked for
surveys on land and livestock holdings, debt and investment and situation assessment survey of
agricultural households. The last survey on these subjects was conducted in 59th round of NSS
(January 2003 - December 2003).
2. Outline of Survey Programme
2.1 Geographical coverage: This survey covered the whole of the Indian Union.
2.2 Visits 1 & 2: Each sample FSU was visited twice during this round. Since the workload of the
first visit (i.e. visit 1) was more, the first visit continued till the end of July 2013. Thus, period of
the first visit was January – July 2013 and that of the second visit (i.e. visit 2) was August –
December 2013.
The listing schedule (sch 0.0) was canvassed only in the first visit. Schedules 18.1, 18.2 and 33
were canvassed in independent sets of sample households. Each sample household was visited
twice. Visit 1 and visit 2 schedules were canvassed in the same set of sample households during
first and second visit respectively. Contents of the schedules for the two visits were not same since
the information relate to two different seasons.
2.3 Sub-rounds: The survey period of the round was divided into two sub-rounds. Sub-round one
consisted of the first half of the survey period of each visit i.e. 1st Jan -15thApril 2013 for visit 1 and
1st August – 15th October 2013 for visit 2 while sub-round two consisted of the remaining period of
the respective visits. Thus, each sub-round was of three and a half months duration for visit 1 and
two and a half months for visit 2.
In each of these two sub-rounds equal number of sample villages/ blocks (FSUs) were allotted for
survey with a view to ensuring uniform spread of sample FSUs over the entire survey period.
Attempt was made to survey each of the FSUs during the sub-round to which it was allotted.
Because of the arduous field conditions, this restriction was not strictly enforced in Andaman and
Nicobar Islands, Lakshadweep and rural areas of Arunachal Pradesh and Nagaland.
B-2 Note on Sample Design and Estimation Procedure
The villages/blocks visited in the first sub-round of first visit were revisited during the first sub-
round of the second visit. Similarly, villages/blocks of sub-round 2 of visit 1 were revisited in sub-
round 2 of visit 2.
2.4 Schedules of enquiry: During this round, the following schedules of enquiry were canvassed:
Schedule 0.0 : list of households

Schedule 18.1 : land and livestock holdings (rural only)
Schedule 18.2 : debt and investment
Schedule 33 : situation assessment survey of agricultural households
(rural only)
3. Sample Design
3.1 Outline of sample design: A stratified multi-stage design was adopted for the 70th round
survey. The first stage units (FSU) were the census villages (Panchayat wards in case of Kerala) in
the rural sector and Urban Frame Survey (UFS) blocks in the urban sector. The ultimate stage units
(USU) were households in both the sectors. In case of large FSUs, one intermediate stage of
sampling was the selection of two hamlet-groups (hgs)/sub-blocks (sbs) from each rural/ urban
FSU.
3.2 Sampling Frame for First Stage Units: For the rural sector, the list of 2001 census villages
updated by excluding the villages urbanised and including the towns de-urbanised after 2001 census
(henceforth the term ‘village’ would mean Panchayat wards for Kerala) constituted the sampling
frame. For the urban sector, the latest updated list of UFS blocks (2007-12) was considered as the
sampling frame.
3.3 Stratification:
(a) Stratum had been formed at district level. Within each district of a State/ UT, generally
speaking, two basic strata were formed: i) rural stratum comprising of all rural areas of the district
and (ii) urban stratum comprising all the urban areas of the district. However, within the urban areas
of a district, if there were one or more towns with population 10 lakhs or more as per population
census 2011 in a district, each of them formed a separate basic stratum and the remaining urban
areas of the district was considered as another basic stratum.
(b) However, a special stratum in the rural sector only was formed at State/UT level before
district- strata were formed in case of each of the following 20 States/UTs: Andaman & Nicobar
Islands, Andhra Pradesh, Assam, Bihar, Chhattisgarh, Delhi, Goa, Gujarat, Haryana, Jharkhand,
Karnataka, Lakshadweep, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Tamil Nadu,

Appendix B B-3
Uttar Pradesh and West Bengal. This stratum comprised all the villages of the State with population
less than 50 as per census 2001.
(c) In case of rural sectors of Nagaland one special stratum was formed within the State
consisting of all the interior and inaccessible villages. Similarly, for Andaman & Nicobar Islands,
one more special stratum had been formed within the UT consisting of all inaccessible villages.
Thus for Andaman & Nicobar Islands, two special strata had been formed at the UT level:
(i) special stratum 1 comprising all the interior and inaccessible villages
(ii) special stratum 2 containing all the villages, other than those in special stratum 1,
having population less than 50 as per census 2001.
3.4 Sub-stratification:
Rural sector: Different sub-stratifications were done for ‘hilly’ States and other States. Ten (10)
States were considered as hilly States. They were: Jammu & Kashmir, Himachal Pradesh,
Uttarakhand, Sikkim, Meghalaya, Tripura, Mizoram, Manipur, Nagaland and Arunachal Pradesh.
(a) sub-stratification for hilly States: If ‘r’ was the sample size allocated for a rural stratum, the
number of sub-strata formed was ‘r/2’. The villages within a district as per frame were first
arranged in ascending order of population. Then sub-strata 1 to ‘r/2’ was demarcated in such a way
that each sub-stratum comprised a group of villages of the arranged frame and had more or less
equal population.
(b) sub-stratification for other States (non-hilly States except Kerala): The villages within a district
as per frame were first arranged in ascending order of proportion of irrigated area in the cultivated
area of the village. Then sub-strata 1 to ‘r/2’ was demarcated in such a way that each sub-stratum
comprised a group of villages of the arranged frame and had more or less equal cultivated area. The
information on irrigated area and cultivated area was obtained from the village directory of census
2001.
(c) sub-stratification for Kerala: Although Kerala is a non-hilly State but because of non-availability
of information on irrigation at FSU (Panchayat Ward) level, sub-stratification by proportion of
irrigated area was not possible. Hence the procedure for sub-stratification was same as that of hilly
States in case of Kerala.
Urban sector: There was no sub-stratification for the strata of million plus cities. For other strata,
each district was divided into 2 sub-strata as follows:
sub-stratum 1: all towns of the district with population less than 50000 as per census 2011
sub-stratum 2: remaining non-million plus towns of the district

3.5 Total sample size (FSUs): 8042 FSUs were allocated for the central sample at all-India level.
3.6 Allocation of total sample to States and UTs: The total number of sample FSUs were
allocated to the States and UTs in proportion to population as per census 2011 subject to a minimum
sample allocation to each State/ UT. While doing so, the resource availability in terms of number of
field investigators as well as comparability with previous round of survey on the same subjects was
also kept in view.
3.7 Allocation of State/ UT level sample to rural and urban sectors: State/ UT level sample size
was allocated between two sectors in proportion to population as per census 2011 with double
weightage to urban sector subject to the restriction that urban sample size for bigger states like
Maharashtra, Tamil Nadu etc. did not exceed the rural sample size. A minimum of 16 FSUs
(minimum 8 each for rural and urban sector separately) were allocated to each state/ UT.
3.8 Allocation to strata: Within each sector of a State/ UT, the respective sample size was
allocated to the different strata in proportion to the population as per census 2011. Allocations at
stratum level were adjusted to multiples of 2 with a minimum sample size of 2.
For special stratum formed in the rural areas of 20 States/UTs, as discussed in para 3.3 (b), 2 FSUs
were allocated to each.
For special stratum 1 in the rural areas of Nagaland and Andaman & Nicobar Islands, 4 and 2 FSUs
were allocated respectively.
3.9 Allocation to sub-strata:
3.9.1 Rural: Allocation was 2 for each sub-stratum.
3.9.2 Urban: Stratum allocations were distributed among the two sub-strata in proportion to the
number of FSUs in the sub-strata. Minimum allocation for each sub-stratum was 2.
3.10 Selection of FSUs:
For the rural sector, from each stratum x sub-stratum, required number of sample villages were
selected by Simple Random Sampling Without Replacement (SRSWOR) procedure.
For the urban sector, FSUs were selected by using Simple Random Sampling Without Replacement
(SRSWOR) from each stratum x sub-stratum.
Both rural and urban samples were drawn in the form of two independent sub-samples and equal
number of samples were allocated among the two sub rounds.

Appendix B B-5
3.11 Formation and selection of hamlet-groups/sub-blocks: In case hamlet-groups/ sub-blocks

were formed in the sample FSU, the same was done by more or less equalizing population. While
doing so, it was ensured that the hamlet-groups/sub-blocks formed were clearly identifiable in terms
of physical landmarks.
Two hamlet-groups (hg)/ sub-blocks (sb) were selected from a large FSU wherever hamlet-groups/
sub-blocks were formed in the following manner – one hg/sb with maximum percentage share of
population was always selected and termed as hg/sb 1; one more hg/ sb was selected from the
remaining hg’s/ sb’s by simple random sampling (SRS) and termed as hg/ sb 2. Listing and selection
of the households was done independently in the two selected hamlet-groups/ sub-blocks.
3.12 Formation of second stage strata and allocation of households
3.12.1 Schedule 18.1: Land & Livestock Holdings Survey (LHS) (rural only):
Four SSS were formed for schedule 18.1 based on four land possessed codes. SSS number was same
as the land possessed code.
Each household was given a land possessed code according to the following criteria:
land possessed criterion: area of the land possessed by the household

code as on the date of survey
1 less than 0.005 hectare
2 equal to or more than 0.005 hectare but less than 1.000 hectare
3 equal to or more than 1.000 hectare but less than 2.000 hectares
4 equal to or more than 2.000 hectares
3.12.2 Schedule 33: Situation Assessment Survey of Agricultural Households (SAS) (rural
only):
Only ‘agricultural households’ were considered for this schedule. The agricultural households were
divided into four SSS based on land possessed codes similar to LHS second stage strata.
3.12.3 Schedule 18.2: Debt and Investment Survey (AIDIS):
Three SSS were formed both in rural and urban sector: (i) households indebted either to institutional
agencies only or to both institutional and non-institutional agencies, (ii) households indebted to non-
institutional agencies only and (iii) households without any indebtedness.

3.12.4 Allocation and selection of sample households: The total number of households surveyed
in an FSU is given below for each schedule type:
Two households were selected from each SSS for schedule 18.1 and 33. In case of hamlet group
formation, one household was selected from each hg × SSS for schedule 18.1 and 33. For schedule
18.2, the number of sample households were 6, 4 and 4 from SSS 1, 2 and 3 respectively. In case of
hamlet group/sub-block formation, the number of sample households were 3, 2 and 2 from each
(hg/sb) x SSS for schedule 18.2. The number of SSS, allocations and sampling scheme by schedule
type are illustrated in the following table.
number of sample households surveyed

rural urban sampling
schedule number
scheme
type of SSS
within
each SSS
18.1 4 8 ----
(2 households from each SSS)
14 14
18.2 3 (SSS1 = 6, SSS2 = 4, SSS3 = 4) (SSS1 = 6, SSS2 = 4, SSS3 = 4) SRSWOR
8 ----
33 4 (2 households from each SSS)
3.12.5 Selection of households: From each SSS the sample households for each of the schedules
were selected by SRSWOR.

Appendix B B-7
4. Estimation Procedure
4.1 Notations:
s = subscript for s-th stratum

t = subscript for t-th sub-stratum
m = subscript for sub-sample (m =1, 2)
i = subscript for i-th FSU [village (panchayat ward)/ block]
d = subscript for a hamlet-group/ sub-block (d = 1, 2)
j = subscript for j-th second stage stratum in an FSU/ hg/sb
k = subscript for k-th sample household under a particular second stage stratum within an FSU/
hg/sb
D = total number of hg’s/ sb’s formed in the sample FSU
D* = (D – 1) for FSUs with D > 1
N = total number of FSUs in any rural/urban sub-stratum
n = number of sample FSUs surveyed including ‘uninhabited’ and ‘zero cases’ but excluding
casualty for a particular sub-sample and sub-stratum.
H = total number of households listed in a second-stage stratum of an FSU / hamlet-group or sub-
block of sample FSU
h = number of households surveyed in a second-stage stratum of an FSU / hamlet-group or sub-
block of sample FSU
x, y = observed value of characteristics x, y under estimation
X̂ , Yˆ = estimate of population total X, Y for the characteristics x, y
Under the above symbols,
ystmidjk = observed value of the characteristic y for the k-th household in the j-th second stage
stratum of the d-th hg/ sb (d = 1, 2) of the i-th FSU belonging to the m-th sub-sample for the t-th
sub-stratum of s-th stratum.
However, for ease of understanding, a few symbols are suppressed in following paragraphs where
they are obvious.

4.2 Formulae for Estimation of Aggregates for a particular sub-sample and stratum  sub-
stratum:
4.2.1 Schedules 18.2:
4.2.1.1 Rural/Urban:
(i) For j-th second stage stratum:
N nj  H i 1 j 
hi 1 j hi 2 j
H i2 j
ˆ
Yj    y i 1 jk  Di*   y i 2 jk 
n j i  1  hi 1 j k 1 hi 2 j k 1 
(ii) For all second-stage strata combined:
Yˆ   Yˆ j
j
Note: Value of j for this schedule is as follows:

for sch. 18.2, j = 1, 2 or 3
4.2.1.2 Estimates in respect of joint operational holdings: In the case of joint operational holdings
operated by the sample household jointly with other household(s), the value of a characteristic of
the operational holding is first multiplied by the percentage share of land of the sample
household(s) and then the higher estimates are built up.
4.3 Overall Estimate for Aggregates for a sub-stratum:

Overall estimate for aggregates for a sub-stratum ( Ŷst ) based on two sub-samples is obtained as:
1 2 ˆ
Yˆ st   Y stm
2 m 1

Appendix B B-9
4.4 Overall Estimate for Aggregates for a stratum:
Overall estimate for a stratum ( Yˆs ) is obtained as
Yˆs   Yˆst
t
4.5 Overall Estimate of Aggregates at State/UT/all-India level:
The overall estimate Ŷ at the State/ UT/ all-India level is obtained by summing the stratum
estimates Ŷs over all strata belonging to the State/ UT/ all-India.
4.6 Estimates of Ratios:
Let Ŷ and X̂ be the overall estimates of the aggregates Y and X for two characteristics y
and x respectively at the State/ UT/ all-India level.
Y
Then the combined ratio estimate (Rˆ ) of the ratio ( R  ) is obtained as
X
Yˆ .
Rˆ 
Xˆ
4.7 Estimates of Error: The estimated variances of the above estimates are as follows:
4.7.1 For aggregate Yˆ : Vaˆr (Yˆ )  Vaˆr (Yˆs )  Vaˆr (Yˆst ) where V aˆ r (Yˆst ) is given by
s s t
  1

Va rˆ Yˆst  Yˆst 1  Yˆst 2
4
2 , where Yˆst1 and Yˆst 2 are the estimates for sub-sample 1 and
sub-sample 2 respectively for stratum‘s’ and sub-stratum‘t’.
4.7.2 For ratio R̂ :
M Sˆ E ( Rˆ )    M Sˆ E st ( Rˆ ) where M Sˆ E st ( Rˆ ) is given by
s t
MSˆ Est ( Rˆ ) 
1  ˆ
2 
Y
st 1  Yst 2  st 1
ˆ 2  Rˆ 2 Xˆ  Xˆ 2  2 Rˆ Yˆ  Yˆ
st 2 st 1  ˆ  ˆ 
st 2 X st 1  X st 2   
4X 
ˆ 

4.7.3 Estimates of Relative Standard Error (RSE):

V aˆ r Yˆ 
R Sˆ E Yˆ    100
Yˆ
M Sˆ E Rˆ 
R Sˆ E Rˆ    100
Rˆ
5. Multipliers:
5(a) Two sets of multipliers are obtained:
(i) For visit 1 only

(ii) For visit 2 only
Hence, household multiplier is equal to:

(i) visit 1 multiplier for all estimation based only on the visit 1 households
(ii) visit 2 multiplier for all estimation based only on the visit 2 households
(iii) visit 2 multiplier for generating combined estimates based on the common set of
households of visit 1 and visit 2.
5(b) The formulae for multipliers at stratum/sub-stratum/second-stage stratum for a sub-sample and
schedule type are given below:
formula for multipliers

sch type sector
hg / sb 1 hg / sb 2
N st H stmi 1 j N st * H stmi 2 j
rural / urban   Dstmi 
18.2 nstmj hstmi 1 j nstmj hstmi 2 j
( j = 1, 2, 3)
Note: (i) For estimating any characteristic for any domain not specifically considered in sample
design, indicator variable is used.
(ii) Multipliers are computed on the basis of information available in the listing
schedule irrespective of any misclassification observed between the listing schedule and
detailed enquiry schedule.
(iii) For estimating number of villages possessing a characteristic, Dstmi
*
= 0 in the
relevant multipliers and there is only one multiplier for the village.

Appendix C
Schedule 18.2
(Visit 1 and Visit 2)
Sch. 18.2, Visit 1: C-1
RURAL * GOVERNMENT OF INDIA CENTRAL *

URBAN NATIONAL SAMPLE SURVEY OFFICE STATE
SOCIO-ECONOMIC SURVEY
SEVENTIETH ROUND : JANUARY TO DECEMBER 2013
HOUSEHOLD SCHEDULE 18.2 : DEBT AND INVESTMENT
* tick mark ( ) may be put in the appropriate place.
VISIT NUMBER – 1
[0] descriptive identification of sample household
1. state/u.t.: 5. hamlet name:
2. district: 6. investigator unit /block:

*
3. tehsil/town: 7. name of head of household:
4. village name: 8. name of informant:
[1] identification of sample household
item item code item item code

no. no.
1. srl. no. of sample village/block 12. FOD sub-region
2. round number 7 0 13. sample hg/sb number .
3. schedule number 1 8 2 14. second-stage stratum number
4. sample (central-1, state-2) 15. sample household number 1
5. sector (rural-1, urban-2) 16. visit number 1

#
6. NSS region serial number of informant
17.
7. district (as in column 1 of block 4)
8. stratum 18. response code
9. sub-stratum 19. survey code
10. sub-round reason for substitution of

20.
11. sub-sample original household 2
Codes for Block 1

item 18: response code: informant: co-operative and capable -1, co-operative but not capable -2, busy -3, reluctant -4,
others -9.
item 19: survey code: original -1, substitute -2, casualty -3.
item 20: reason for substitution of original household: informant busy -1, members away from home -2, informant
non-cooperative -3, others -9.
#
if the informant is not a household member, code 99 will be recorded.

Sch. 18.2, Visit 1 C-2
[2] particulars of field operations

srl. field investigator (FI)/ asstt.
field officer (FO)/
no. item superintending
superintending officer (SO)
officer(ASO)
(1) (2) (3) (4)
1(a). (i) name (block letters)
(ii) code
(iii) signature
1(b). (i) name (block letters)
(ii) code
(iii) signature
2. date(s) of: DD MM YY DD MM YY
(i) survey/ inspection
(ii) receipt
(iii) scrutiny
(iv) despatch
3. number of additional sheet(s) attached
total time taken to canvass the schedule by the
4. team of investigators (FI/ASO)
(in minutes) [no decimal point]
number of investigators (FI/ASO) in the team who
5.
canvassed the schedule
whether any remark has (i) in block 17/18
been entered by
6. (ii) elsewhere in the
FI/ASO/supervisory
officer (yes-1, no-2) schedule
[17] remarks by investigator (FI/ASO)
[18] comments by supervisory officer(s)

C-3 Sch. 18.2, Visit 1
[3] household characteristics
1. household size 9. if no in item 8,

did any household member make or receive
2 household type (code) any payment through any bank during last 365
3. whether the major income earned is days?
from livestock during last 365 days (yes-1, no-2)
(yes-1, no-2)
4. whether operated any land for 10. does any household member have any post
agricultural activities during last 365 office account ? (yes-1, no-2)
days (yes-1, no-2)
5. if yes in item 4, area operated by the 11. does any household member have any deposit
household (hectares 0.000) account in any enterprise of type other than
propriety /partnership? (yes-1, no-2)
6. religion (code) 12. did any household member receive any
remittance during last 365 days? (yes-1, no-2)
7. social group (code) 13 did any household member have a valid Kisan
credit card during last 365 days? (yes-1, no-2)
8. does any household member have 14 if yes in item 13, amount (`) received during
any bank account ? (yes-1, no-2) last 365 days
Codes for Block 3

item2 : household type: item 6: religion: item 7 : social group:
for rural areas: Hinduism-1, scheduled tribe-1,
self-employed in agriculture-1, Islam-2, scheduled caste-2,
self-employed in non-agriculture-2, Christianity -3, other backward class-3,
regular wage/salary earning-3, Sikhism-4, others-9
casual labour in agriculture-4, Jainism-5,
casual labour in non-agriculture-5, Buddhism-6,
others-9. Zoroastrianism-7,
others-9
for urban areas:
self-employed-1,
regular wage/salary earning-2,
casual labour-3, others-9.
Codes for Block 4

col. 3: relation to head: col.8 : usual principal activity status(code):
self –1, spouse of head –2, married child –3, spouse of worked in household enterprise(self-employed):
married child – 4, unmarried child –5, grand child -6, as own account worker – 11,
father/mother/ father-in-law/ mother-in-law – 7, as employer –12,
brother / sister/ brother-in-law/ sister-in-law/ other as helper (unpaid family worker) –21,
relatives – 8, servant/employees/ other non-relatives – worked as regular salaried/ wage employees -31,
9. worked as casual wage labour
in public works -41,
in other types of work -51.
col.6: general education code: col.9: industry division codes (2 digit) as per NIC 2008
not literate – 01,
literate without formal schooling: col.10: type of organisation :
EGS/NFEC/AEC – 02, TLC - 03, others - 04, government -1,
literate : public sector enterprise - 2,
below primary -05, primary – 06, middle – 07, private company-3,
secondary – 08, higher secondary – 10, private society/trust-4,
diploma/certificate course – 11, graduate –12, proprietary / partnership enterprise- 5.
postgraduate and above – 13. others-9

[4] demographic and other particulars of household members
whether a if entry in col.7 is 1

worker as
relation general per usual NIC-
sex type of
srl. to age educational principal 2008
name of the member (male-1, Status organisation
no. head (years) level activity Code
female-2) code if entry in
(code) (code) status (2
(yes-1, col. (8) is 31
digit)
no-2 )
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
[5] questions on land owned partly or wholly by the household (yes-1, no-2)
1. does the household, wholly or partly, own the land on which the housesite is located?
(rural households only)
2. does the household own any land in any other village?
3. does the household own any land in any urban area?
(urban households only)
4. does the household own any land in any rural area?
5. does the household own any land in any other town?

[5.1] RURAL LAND owned by the household as on 30.06.2012 (to be canvassed in both rural & urban households)
percentage share land owned by the household as on 30.06.2012

srl. no. survey number or other identification type of of household in
ownership of plot area
of plot particulars of the plot land (code) value (`)
(whole no.) (HECTARES 0.000)
(1) (2) (3) (4) (5) (6)
1.
2.
96. total rural land outside the FSU

98. housesite 10
99. total land owned
col.3: type of land: crop area, irrigated - 01, crop area, unirrigated – 02, orchards and plantations –03, forest –04, water bodies for fishing & aquaculture – 05; area put to
non- agricultural uses: water bodies – 06, exclusively for non-farm business – 07, other non-agricultural uses - 08 ; residential area including housesite-10, other
areas – 09.

[5.2] URBAN LAND owned by the household as on 30.06.2012 (to be canvassed in both rural & urban households)
percentage share land owned by the household as on 30.06.2012
srl. no. survey number or other identification particulars type of of household in
of the plot ownership of plot area
of plot land (code) value (`)
(whole no.) (HECTARES 0.000)
(1) (2) (3) (4) (5) (6)
1.
2.
97. total urban land outside the FSU

98. housesite 10
99. total land owned
col.3: type of land: crop area, irrigated - 01, crop area, unirrigated – 02, orchards and plantations –03, forest –04, water bodies for fishing & aquaculture – 05; area put to
non- agricultural uses: water bodies – 06, exclusively for non-farm business – 07, other non-agricultural uses - 08 ; residential area including housesite-10, other
areas – 09.

[6] buildings and other constructions owned by the household as on 30.06.2012
percentage
share of owned by the household as on
household in 30.06.2012
srl.
type item description ownership of
no. area in sq. m value
asset (`)
(whole no.) (0.00)
(1) (2) (3) (4) (5) (6)
used as dwelling by household members 1.
other residential building within the 2.

residential building village/town
other residential building outside the 3.

village/town
animal shed 4.
building used for
farm business others such as barn, warehouse (incl. cold 5.
storage), farm house, etc.
workplace, workshop, mfg. unit, etc. 6.

building used for
non-farm business shop 7.
others (incl. cinema houses, etc) 8.
building for other purposes (charitable, recreational, etc.) 9.
other constructions (well, borewell, tubewell, field distribution 10.

system, etc.)
total (items 1 to 10) 11.
1 sq. ft. = 0.093 sq. m.

[7] livestock and poultry owned by the household as on 30.06.2012
percentage owned by the household

share of as on 30.06.2012
item household in
srl. ownership of
asset no. value (`)
no.
(whole no.)
(1) (2) (3) (4) (5)

cattle (a) young stock upto 2 years
1.
(both (i) young stock (male)
cross- (ii) young stock (female) 2.
bred (b) female over 2 years
cattle and 3.
(i) breeding cow: in milk
non-
descript) (ii) breeding cow: dry 4.
(iii) breeding cow not calved even once 5.
(iv) others 6.
(c) male cattle over 2 years
7.
(i) for work/ breeding
(ii)others 8.
buffalo (a) young stock upto 2 years
9
(i) young stock (male)
(ii) young stock (female) 10.
(b) female over 2 years
11.
(i) breeding buffalo: in milk
(ii) breeding buffalo: dry 12.
(iii) breeding buffalo not calved even once 13.
(iv) others 14.
(c) males over 2 years
15.
(i) male buffalo for work/breeding
(ii) others 16.
sub-total (items 1 to 16) 17.
other large heads (elephant, camel, horse, mule, pony,
donkey, yak, mithun, etc.) 18.
ovine and other mammals (sheep, goat, pig, rabbits, etc.)

19.
poultry birds (hen, cock, chicken, duck, duckling, other
20.
poultry birds, etc.)
others 21.

[8] transport equipment owned by the household as on 30.06.2012
percentage owned by the

item share of household as on
main use of
srl. household in 30.06.2012
the equipment
no. ownership of no. value (`) owned (code)
asset
(whole no.)
(1) (2) (3) (4) (5) (6)
bicycles 1.
motorcycles/ scooters/ mopeds/ auto-rickshaws 2.
carts (hand-driven / animal driven) 3.
tractors (all types), trailers and associated equipment, etc. 4.
motor cars/jeep/van 5.
rickshaws 6.
other transport equipment incl. boats, trucks, light 7.
commercial vehicles (LCV), passenger buses, etc.
Code for Block 8:

col. 6: main use of transport equipment: for farm business -1; for non-farm business-2; for household use-3
[9] agricultural machinery and implements owned by the household as on 30.06.2012
percentage owned by the household as on

share of 30.06.2012
srl. household in
item value (`)
no. ownership of
asset
(whole no.)
(1) (2) (3) (4)
power tiller 1.
other power driven machinery and equipment 2.
manually operated implements/tools 3.
water lifting equipment incl. diesel/electric pumps, Persian wheel, etc. 4.
other machineries for irrigation 5.
furniture and fixtures 6.
others not covered in items 1 to 6 7.

Sch. 18.2, Visit 1 C-10
[10] non-farm business equipment owned by the household as on 30.06.2012 *
item srl.
no. value (`)
(1) (2) (3)

machinery, tools & appliances
handloom, semi-automatic and power looms, ginning, pressing and baling 1.
equipment
reeds, bobbins and other accessories used in spinning and weaving and tailoring 2.
equipment (e.g. sewing machine)
mills (e.g. ghanies, oil-mills (power-driven), rice-milling and pounding 3.
equipment, flour-milling and grinding equipment), electric motors, oil
engines, generators, pumpsets, etc.
casting, melting and welding equipment, furnace, bellows, kiln, etc. 4.
scales, weights and measures, potter’s wheels 5.
saw (all types) 6.
xerox machine, printing press, personal computer, duplicating machine 7.
ISD/STD/PCO equipment, fax machine, mobile repairing 8.
X- ray machine, other medical equipment 9.
lathes, other machinery tools & appliances 10.
intangible assets like software, artistic originals, manuscripts etc. 11.
total: machinery, tools & appliances (items 1 to 11) 12.

other non-farm business equipment not covered in item 1 -11 13.
furniture & fixtures 14.
total (items 12+13+14) 15.
*Note: The above block is only applicable to those households in which household member(s) own one or more of the
above items which are used in some non-farm business of the household.
[11] shares & debentures owned by the household in co operative societies & companies as on 30.06.2012
srl. value of transactions during 01.07.2012 to value (`)

value (`)
no. date of survey as on
type of institution as on
acquisition (`) disposal (`) 30.06.2012
date of survey
(col 3+ col 5 –col4)
(1) (2) (3) (4) (5) (6)
1. company
2. mutual fund
3. co-operative society
4. others
5. total (items 1 to 4)

C-11 Sch. 18.2, Visit 1
[12] financial assets other than shares &debentures owned by the household as on 30.06.2012
srl. value (`)

item
no. as on 30.06.2012
(1) (2) (3)
1. government deposits, NSC, KVP, saving bonds, post office deposits, other small
savings schemes, etc.
2. bank deposits (including co-operative banks)
3. deposits with non banking companies
4. deposits with micro-finance institutions/self-help groups
5. annuity schemes
6. provident fund / pension fund /NPS/other contributory funds
7. insurance schemes (including life insurance, unit-linked insurance, etc.)
8. no. of insurance policies
9. total sum assured

10. other financial assets (deposits with other enterprises, individuals, chit fund
contributions etc.)
11. total (items 1 to7 & 10)
12 bullion & ornaments
[13] amount receivable by household under different heads as on 30.06.2012
source from which amount (`)

srl. amount is receivable receivable as on
securities/heads
no.
(code) 30.06.2012
(1) (2) (3) (4)
mortgage of land/house/shop (real estate) 1.
pledge of gold ornaments/other movable properties 2
other secured loans 3.
unsecured loans 4.
kind loans 5.
other receivables 6.
code for col 3: state agencies (including government) -1, employer/trader-2, other households -3, other -9

Sch. 18.2, Visit 1 C-12
[14] particulars of cash loans payable by the household to institutional/ non-institutional agencies as on the date of survey and transactions of loans during 01.07.2012 to
date of survey
date of borrowings
borrowing
amount (`)
amount
repaid amount
(`) amount
(including (`)
amount borrowed originally

interest) written off (`)
outstanding
scheme of lending (code)

outstanding
type of mortgage (code)

nature of interest (code)
(including
purpose of loan ( code)

during (including
type of security (code)

interest) (including
period of loan (code)
rate of interest (p.c.)

01.07.2012
credit agency (code)

interest)
type of loan (code )

during interest)
to as on
01.07.2012 to as on
srl. no. of loan
date of survey 30.06.2012*

date of survey date of survey
(cols. 14 + 15 + 16)
month
year
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
A. institutional agencies
B. non-institutional agencies
99. total
*col. (17) will be filled in only for ‘period of loan’ code in col.(4)= 1
CODE LIST ON NEXT PAGE.

C-13 Sch. 18.2, Visit 1
[15] kind loans payable by the household as on the date of survey

srl. period source purpose amount outstanding
no (code) (code) (code) as on the date of survey
(`)
(1) (2) (3) (4) (5)

1.
2.
99. total
Codes for Block 14

col 4: period of loan: col 7: scheme of lending: col. 9: nature of interest: interest
loan remaining unpaid on 30.6.12 -1, Differential Rate of Interest (DRI) free -1, simple -2, compound -3,
loan taken during 1.7.12 to date of survey-2 scheme - 01 concessional rate -4
PM’s Rozgar Yojana (PMRY) -02
col. 6: credit agencies:
Swarnjayanti Gramin Swarozagar col 11: purpose of loan:
government -01
Yojana (SGSY) -03, capital expenditure in farm
co-operative society/bank -02
Swarna Jayanti Sahari Rozgar Yojana business-01
commercial bank incl. regional rural bank -
(SJSRY) -04 current expenditure in farm
03
advances to minority communities -05 business- 02
insurance -04
scheme for liberalization and capital expenditure in non-farm
provident fund -05
rehabilitation of scavengers -06 business -03
financial corporation/institution-06
exclusive state schemes -07 current expenditure in non-farm
financial company -07,
other schemes -08 business-04
self-help group-bank linked (SHG-BL) -08
kisan credit card -10 expenditure on litigation-05
self-help group, non-banking financial
crop loan -11 repayment of debt-06
companies (SHG-NBFC) - 10
not covered under any scheme -09. financial investment expenditure-
other institutional agencies -11
landlord - 12 07
agricultural moneylender - 13 Col 8: type of loan: for education -08
professional moneylender -14 short-term, pledged -1 for medical treatment-10
input supplier - 15 short term, non-pledged -2 for housing-11
relatives and friends - 16 medium term -3 for other household expenditure -
doctors, lawyers & other professionals -17 12
long-term -4
others - 09. others-09
col 12: type of security:

surety security or guarantee by third party -01, crop -02, first charge on immovable property -03, mortgage of immovable
property -04, bullion/ornaments -05, shares of companies, government securities and insurance policies etc -06,
agricultural commodities -07, movable property other than bullion, ornaments, shares, agricultural commodities etc.-08,
other type of security-09, personal security -10
col 13: type of mortgage: simple mortgage -1, usufructuary mortgage -2, mortgage by conditional sale -3, no mortgage -4
other type of mortgage -9,
Codes for Block 15

col 2: period: col 3: source : col 4: purpose:
less than 1 month-1 input supplier-1 current expenditure in farm business-1
1 month and above but less than 3 months-2, relatives & friends-2 current expenditure in non-farm business-2
3 months and above but less than 6 months-3 doctor, lawyers and other household expenditure-3
6 months & above but less than 1 year-4 professionals- 3 other expenditure -9
one year & above-5 others -9

Sch. 18.2, Visit 1 C-14
[16] value (`) of transactions by the household on specified items during 01.07.2012 to 31.12.2012
amount (`) financed

expenditure (`) on value (`)
floor area from borrowings
in sq. mt normal
item srl. major
(0.00) repairs non- total
description no. URBAN purchase repairs improve- total institu- discard-
addition* # & institu- sale loss (cols.12 to
ONLY (new) & altera- ment (cols.4 to 8) tional ment
@ mainte- tional 14)
tions
nance
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
residential land & buildings
land 1.
houses, buildings and 2. P$

other constructions
(including farmhouses) 3. A$
$
P: purchase, A: addition
farm business
land 4.
land rights 5.
barns & animals sheds 6.

orchard & plantations 7.
wells, bore-wells, tube- 8.
wells, field distribution
systems , other
construction & irrigation
resources
livestock: 9.
working/breeding cattle &
buffaloes
livestock: egg-laying 10.
ducks and hens
sub-total 97.
(items 1 to 10)

C-15 Sch. 18.2, Visit 1
amount (`) financed

floor area from borrowings
in sq. mt normal
item srl. major
description no. URBAN purchase repairs improve- total institu- discard-
addition* # & institu- sale loss (cols.12 to
tions
nance
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
agricultural machinery 11.
and implements
transport equipment used 12.
for farm business
others 13.
non-farm business
land 14.
workplace, workshop/ 15.

manufacturing unit, shop
& other constructions
non-farm business 16.
equipment & accessories
for non farm business
only
others 18.
sub-total 98.
(items 11 to 18)
*incl. reclamation of land / construction/ new well/ borewell (for item 8)/natural addition (for item 9)
@including renewal & replacement
#incl. bunding and other land improvements/ normal annual replanting in case of orchard & plantation/ deepening of wells, widening of field distribution network (for item 8)

Sch. 18.2, Visit 2 C-16
* CENTRAL *
GOVERNMENT OF INDIA
RURAL
URBAN NATIONAL SAMPLE SURVEY OFFICE STATE
SOCIO-ECONOMIC SURVEY
SEVENTIETH ROUND : JANUARY TO DECEMBER 2013
HOUSEHOLD SCHEDULE 18.2 : DEBT AND INVESTMENT
* tick mark ( ) may be put in the appropriate place.
VISIT NUMBER – 2
[0] descriptive identification of sample household
1. state/u.t.: 5. hamlet name:
2. district: 6. investigator unit /block:

*
3. tehsil/town: 7. name of head of household:
4. village name: 8. name of informant:
[1] identification of sample household
item item code item item code

no. no.
1. srl. no. of sample village/block 12. FOD sub-region
2. round number 7 0 13. sample hg/sb number .
3. schedule number 1 8 2 14. second-stage stratum number
4. sample (central-1, state-2) 15. sample household number 1
5. sector (rural-1, urban-2) 16. visit number 2
6. NSS region serial number of informant #

17. (as in column 1 of block 4 of
7. district visit-1 schedule)
8. stratum 18. response code
9. sub-stratum 19. survey code
10. sub-round reason for casualty of

20.
11. sub-sample household 2
Codes for Block 1

item 18: response code: informant: co-operative and capable -1, co-operative but not capable -2, busy -3, reluctant -4,
others -9.
item 19: survey code: surveyed -1, casualty -3.
item 20: reason for casualty of household: informant busy -1, members away from home -2, informant non-cooperative
-3, others -9.
# If the informant is not a household member, code 99 will be recorded.

C-17 Schedule 18.2, Visit 2
[2] particulars of field operations

srl. field investigator (FI)/ asstt.
field officer (FO)/
no. item superintending
superintending officer (SO)
officer(ASO)
(1) (2) (3) (4)
1(a). (i) name (block letters)
(ii) code
(iii) signature
1(b). (i) name (block letters)
(ii) code
(iii) signature
2. date(s) of: DD MM YY DD MM YY
(i) survey/ inspection
(ii) receipt
(iii) scrutiny
(iv) despatch
3. number of additional sheet(s) attached
total time taken to canvass the schedule by the
4. team of investigators (FI/ASO)
(in minutes) [no decimal point]
number of investigators (FI/ASO) in the team who
5.
canvassed the schedule
whether any remark has (i) in block 17/18
been entered by
6. (ii) elsewhere in the
FI/ASO/supervisory
officer (yes-1, no-2) schedule
[17] remarks by investigator (FI/ASO)
[18] comments by supervisory officer(s)

Sch. 18.2, Visit 2 C-18
[11] transaction of shares & debentures made by the household in co operative societies & companies during 01.07.2012
to 30.06.2013
srl. value of transactions during 01.07.2012 to 30.06.2013

type of institution
no. acquisition (`) disposal (`)
(1) (2) (3) (4)
1. company
2. mutual fund
3. co-operative society
4. others
5. total (items 1 to 4)

C-19 Sch. 18.2, Visit 2
[14] particulars of cash loans payable by the household to institutional/ non-institutional agencies as on the date of survey and transactions of loans during 01.07.2013 to
date of survey
date of borrowings amount (`) amount amount amount
borrowing repaid (`) (`) (`)
(including written off outstanding outstanding
amount borrowed originally

interest) (including (including
(including
during interest) interest)
scheme of lending (code)

interest)
type of mortgage (code)

nature of interest (code)
purpose of loan ( code)

01.07.2013 as on as on
type of security (code)

during
period of loan (code)
rate of interest (p.c.)

credit agency (code)
to date of survey
type of loan (code )

01.07.2013 to 30.06.2013*
date of survey date of survey (cols. 14 + 15 + 16)
srl. no. of loan
month
year
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
A. institutional agencies
B. non-institutional agencies
99 total
*col. (17) will be filled in only for’ period of loan’ code in col.(4) = 1
CODE LIST ON NEXT PAGE.
Sch. 18.2, Visit 2 C-20
[15] kind loans payable by the household as on the date of survey

srl. period source purpose amount outstanding
no (code) (code) (code) as on the date of survey
(` )
(1) (2) (3) (4) (5)

1.
2.
99. total
Codes for Block 14

col 4: period of loan: col 7: scheme of lending: col. 9: nature of interest: interest
loan remaining unpaid on 30.6.13 - 1, Differential Rate of Interest (DRI) free -1, simple -2, compound -3,
loan taken during 1.7.13 to date of survey-2 scheme - 01 concessional rate -4
PM’s Rozgar Yojana (PMRY) -02
col. 6: credit agencies:
Swarnjayanti Gramin Swarozagar col 11: purpose of loan:
government -01
Yojana (SGSY) -03, capital expenditure in farm
co-operative society/bank -02
Swarna Jayanti Sahari Rozgar Yojana business-01
commercial bank incl. regional rural bank -
(SJSRY) -04 current expenditure in farm
03
advances to minority communities -05 business- 02
insurance -04
scheme for liberalization and capital expenditure in non-farm
provident fund -05
rehabilitation of scavengers -06 business -03
financial corporation/institution-06
exclusive state schemes -07 current expenditure in non-farm
financial company -07,
other schemes -08 business-04
self-help group-bank linked (SHG-BL) -08
kisan credit card -10 expenditure on litigation-05
self-help group, non-banking financial
crop loan -11 repayment of debt-06
companies (SHG-NBFC) - 10
not covered under any scheme -09 financial investment expenditure-
other institutional agencies -11
landlord - 12 Col 8: type of loan: 07
agricultural moneylender - 13 short-term, pledged -1 for education -08
professional moneylender -14 short term, non-pledged -2 for medical treatment-10
input supplier - 15 medium term -3 for housing-11
relatives and friends - 16 for other household expenditure -
long-term -4
doctors, lawyers & other professionals -17 12
others - 09. others-09
col 12: type of security:

surety security or guarantee by third party -01, crop -02, first charge on immovable property -03, mortgage of immovable
property -04, bullion/ornaments -05, shares of companies, government. securities and insurance policies etc -06,
agricultural commodities -07, movable property other than bullion, ornaments, shares, agricultural commodities etc.-08,
other type of security-09, personal security -10
col 13: type of mortgage: simple mortgage -1, usufructuary mortgage -2, mortgage by conditional sale -3, other type of
mortgage -9, no mortgage -5
Codes for Block 15

col 2: period: col 3: source : col 4: purpose:
less than 1 month.-1 input supplier-1 current expenditure in farm business-1
1 month and above but less than 3 months-2, relatives & friends-2 current expenditure in non-farm business-2
3 months and above but less than 6 months-3 doctor, lawyers and other household expenditure-3
6 months & above but less than 1 year-4 professionals- 3 other expenditure -9
one year & above-5 others -9

C-21 Schedule 18.2, Visit 2
amount financed from

floor area borrowings (`)
in sq. mt normal
item srl. major
description no. purchase repairs improve- total institu- discard-
URBAN addition* # & institu- sale loss (cols.12 to
tions
nance
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
residential land & buildings
land 1.
houses, buildings and 2. P$

other constructions
(including farmhouses) 3. A$
$
P: purchase, A: addition
farm business
land 4.
land rights 5.
barns & animals sheds 6.
orchard & plantations 7.
wells, bore-wells, tube- 8.
wells, field distribution
systems, other
construction & irrigation
resources
livestock: 9.
working/breeding
cattle & buffaloes
livestock: egg-laying 10.
ducks and hens
sub-total 97.
(items 1 to 10)
Sch. 18.2, Visit 2 C-22
amount financed from

floor area borrowings (`)
in sq. mt normal
item srl. major
description no. purchase repairs improve- total institu- discard-
URBAN addition* # & institu- sale loss (cols.12 to
tions
nance
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
agricultural machinery 11.
and implements
for farm business
others 13.
non-farm business
land 14.
workplace, workshop/ 15.

manufacturing unit, shop
& other constructions
non-farm business 16.
equipment & accessories
for non farm business
only
others 18.
sub-total 98.
(items 11 to 18)
*incl. reclamation of land / construction/ new well/ borewell (for item 8)/natural addition (for item 9)
@including renewal & replacement
#incl. bunding and other land improvements/ normal annual replanting in case of orchard & plantation/ deepening of wells, widening of field distribution network (for item 8)

List of NSS Reports available for sale
Price
Sl. Report Hard Copy Soft Copy (CD)
Title of the Report
No. No. US$ Pound- US$ Pound-
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Unorganised Trade, NSS 46th Round
1 403 Small Trading Units in India 150 11 7 380 27 17
2 403/1 State Level results on small trading units in India: 250 18 11 710 51 32
Vol.-I
3 403/1 State Level results on small trading units in India: 250 18 11 710 51 32
Vol.-II
Land & livestock holdings and Debt &
investment, NSS 48th Round
4 407 Operational land holdings in India, 1991
1991-92: Salient 250 18 11 710 51 32
features
5 408 Live-stock
stock and Agricultural implements in House-
House 150 11 7 380 27 17
hold operational holdings, 1991
1991-92
6 414 Seasonal variation in the operation of land holdings 250 18 11 710 51 32
in India, 1991-92
7 419 Household Assets and Liabilities as on 30.6.91 250 17 11 1140 75 46
8 420 Indebtedness of Rural Households as on 30.6.1991 250 15 9 1370 82 50
9 421 Indebtedness of Urban Households as on 30.6.1991 250 15 9 1370 82 50
10 431 Household Borrowings and Repayments during 250 15 9 1140 68 42
(Part I) 1.7.91 to 30.6.92
11 431 Household Borrowings and Repayments during 250 15 9 1140 68 42
(Part-II) 1.7.91 to 30.6.92
12 432 Households Assets and Indebtedness of Social 250 15 9 1140 68 42
(Part-I) Groups as on 30.6.91
13 432 Households Assets and Indebtedness of Social 250 15 9 710 43 26
(Part-II) Groups as on 30.6.91
14 437 Household capital expenditure during 1.7.91 to 250 15 9 1370 82 50
30.6.92.
Housing Conditions and Migration with special
emphasis on slum dwellers, NSS 49th round
15 417 Slums in India 150 11 7 380 27 17
16 429 Housing Conditions in India 150 11 7 380 25 16
17 430 Migration in India 250 15 9 710 42 26
Employment & Unemployment, NSS 50th Round
18 406 Key Results on Employment & Unemployment 150 11 7 610 44 26
19 409 Employment & Unemployment in India, 1993 1993-94 250 18 11 710 51 32
20 411 Employment & Unemployment situation in cities 150 11 7 380 27 17
and Towns in India, 1993-94
21 412 Economic activities and school attendance by 150 11 7 380 27 17
children in India, 1993-94
22 416 Participation of Indian women in household work 150 11 7 380 27 17
and other specified activities, 1993
1993-94
23 418 Unemployed in India, 1993-94: 94: Salient Features 150 11 7 380 27 17
24 425 Employment & Unemployment situation among 250 17 10 480 32 19
social groups in India, 1993-94
25 438 Employment & Unemployment situation among 150 10 7 610 37 23
religious groups in India, 1993-94
94
Consumer Expenditure, NSS 50th Round
26 401 Key results on Household Consumer Expenditure, 150 11 7 380 28 17
1993-94
27 402 Level and Pattern of Consumer Expenditure 250 19 12 710 52 32
28 404 Consumption of some important commodities in India 250 18 11 710 51 32
Continued..
List of NSS Reports available for sale (contd.)
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
29 405 Nutritional intake in India 250 18 11 710 51 32
30 410/1 Dwellings in India 250 18 11 710 51 32
31 410/2 Energy used by Indian households 150 11 7 380 28 17
32 413 Sources of household income in India, 1993
1993-94 150 11 7 380 28 17
33 415 Reported adequacy of food intake in India, 1993
1993-94 150 11 7 380 28 17
34 422 Differences in level of consumption among
150 11 7 380 28 17
socioeconomic groups
35 423 IRDP assistance and participation in Public Works,
150 11 7 380 28 17
1993-94
36 424 Ownership of Live-Stock,
Stock, cultivation of selected crops
150 11 6 610 40 24
and consumption levels, 1993-94
37 426 Use of durable goods by Indian households, 19931993-94 150 11 7 380 28 17
38 427 Consumption of tobacco in India, 1993
1993-94 150 11 7 610 40 24
39 428 Wages in kind, Exchanges of Gifts and Expenditure on
150 11 7 610 40 24
Ceremonies and Insurance in India, 1993
1993-94
Consumer Expenditure and Unorganised
Manufacture, NSS 51st Round
40 433 Unorganised Manufacturing Sector in India Its Size,
250 15 9 710 43 26
Employment and Some Key Estimates.
41 434 Unorganised Manufacturing Enterprises in India: Salient
250 15 9 710 43 26
Features
42 435 Assets and Borrowings of the Unorganised
150 10 7 380 23 15
Manufacturing Enterprises in India
43 436 Household Consumer Expenditure and Employment
150 10 7 610 36 23
Situation in India, 1994-95
Education, NSS 52nd Round
44 439 Attending an Educational Institution in India:
250 15 9 1140 68 42
Its level, nature and cost
Consumer Expenditure, NSS 52nd Round
150 10 7 610 36 23
Situation in India, 1995-96
Health, NSS 52nd Round
46 441 Morbidity and Treatment of ailments. 250 15 9 1140 68 42
47 445 Maternity and Child Health Care in India 150 10 7 1270 76 46
Aged in India, NSS 52nd Round
48 446 The Aged in India: A Socio-Economic
Economic Profile, 1995-96
1995 150 10 7 610 36 23
Consumer Expenditure, NSS 53rd Round
150 10 7 610 36 23
Situation in India, 1997
Unorganised Trade, NSS 53rd Round
50 443 Small Trading units in India and their Basic 250 710
15 9 43 26
Characteristics: 1997 Vol. I
51 444 Small Trading Units in India and Their Basic
250 15 9 710 43 26
Characteristics: 1997 Vol. II
Consumer Expenditure, Common Property
Resources, Sanitation & Hygiene, Services,
NSS 54th Round
52 448 Household Consumer Expenditure and Employment 610
150 10 7 36 23
Situation in India
53 449 Drinking water, sanitation and hygiene in India 250 15 9 1140 68 42
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Consumer Expenditure, Common Property
Resources, Sanitation & Hygiene, Services,
NSS 54th Round
54 450 Travel and Use of Mass Media and Financial Services
150 10 7 610 10 7
by Indian Households
55 451 Cultivation Practices in India 250 15 9 1370 82 50
56 452 Common Property Resources 250 15 9 1370 82 50
Choice of Reference Period for Consumption Data,
NSS 51st, 52nd, 53rd & 54th Round
57 447 Choice of Reference Period for Consumption Data 150 10 7 1700 102 64
(July’99 to June 2000)
58 453 Household Consumer Expenditure in India (July –
150 10 7 610 36 23
December 1999) – Key Results
59 454 Household Consumer Expenditure in India, 19991999–2000
150 10 7 610 36 23
- Key Results
60 457 Level and Pattern of Consumer Expenditure in India,
250 15 10 1520 81 57
1999 – 2000
61 461 Consumption of some important Commodities in India,
250 15 10 1370 73 52
1999-2000
62 463 Sources of household income in India, 1999
1999-2000 150 10 7 380 28 17
63 464 Energy Used by Indian Households, 19991999-2000 150 10 7 610 36 23
64 466 Reported Adequacy of Food Intake in India, 1999 –
150 10 7 610 36 23
2000
65 467 IRDP Assistance and Participation in Public Works:
150 10 7 610 36 23
1999-2000
66 471 Nutritional Intake in India, 1999-2000
2000 250 15 10 710 43 26
67 472 Differences in the level of consumption among socio
250 15 10 480 32 19
economic groups, 1999-2000
68 473 Literacy and Levels of Education in India, 1999 – 2000 250 15 10 610 36 23
69 474 Sources of household consumption in India, 1999 –
250 15 10 710 43 26
2000
(July’99 to June 2000)
70 455 Employment and Unemployment in India, 1999 1999-2000
150 10 7 610 36 23
- Key Results
71 458 Employment and Unemployment Situation in India,
250 15 10 750 40 28
(Part-I) 1999 – 2000
250 15 10 1370 73 52
(Part-II) 1999 – 2000
73 460 Non agricultural workers in Informal Sector based on
150 10 7 610 36 23
Employment and Unemployment Survey, 1999-2000
1999
74 462 Employment and Unemployment situation in Cities and
150 10 7 610 36 23
Towns of India, 1999-2000
75 465 Participation of Indian Women in Household work and
150 10 7 610 36 23
other specified activities, 1999-2000
2000
76 468 Employment and Unemployment among religious
150 10 7 610 36 23
groups in India, 1999-2000
77 469 Employment and Unemployment among social groups
250 15 10 2950 156 110
in India, 1999-2000
78 470 Migration in India, 1999-2000 250 15 10 1140 68 42
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Non-agricultural
agricultural Enterprises in Informal Sector 1999-
1999
2000, NSS 55th Round (July’99 to June 2000)
79 456 Non-agricultural
agricultural Enterprises in the Informal Sector in India,
150 10 7 610 36 23
1999-2000 – Key Results
80 459 Informal Sector in India, 1999 – 2000 – Salient Features 250 15 10 1600 85 60
Consumer Expenditure,
NSS 56th Round (July 2000 – June 2001)
81 476 Household Consumer Expenditure and Employment –
150 10 7 1040 66 41
Unemployment Situation in India, 2000 – 2001
Unorganised Manufacturing,
82 477 Unorganised Manufacturing Sector in India 20002000-2001 –
250 15 10 710 52 32
Key Results
83 478 Unorganised Manufacturing Sector in India 20002000-2001 –
250 15 10 1370 82 50
Characteristics of Enterprises
84 479 Unorganised Manufacturing Sector in India, 2000 – 2001:
250 15 10 1370 82 50
Employment, Assets and Borrowings
85 480 Unorganised Manufacturing Sector in India, 2000 – 2001:
250 15 10 1370 82 50
Input, Output and Value added
Pilot Survey on Suitability of Reference Period for
Measuring Household Consumption
86 475 Results of a Pilot Survey on Suitability of Different
150 10 7 610 36 23
Reference Periods for Measuring Household Consumption
250 15 10 2680 158 105
Unorganised Service Sector,
88 482 Unorganised Service Sector in India 2001 – 02 Salient
250 15 10 1925 98 65
Features
89 483 Unorganised Service Sector in India 2001 – 02
250 15 10 1370 82 55
NSS 58th Round (July 2002 – December 2002)
150 8 4 2380 129 70
Disability, NSS 58th Round
91 485 Disabled Persons in India, July-December
December 2002 250 14 7 7080 385 208
Urban Slums,
92 486 Condition of Urban Slums, 2002: Salient Features 250 14 7 2080 112 62
Village facilities,
93 487 Report on village facilities, July-December
December 2002 150 8 4 980 53 29
Housing Condition,
94 488 Housing Condition in India, 2002: Housing stock and
250 15 10 9280 548 350
constructions
95 489 Housing Condition in India, 2002: Household Amenities
250 15 10 9220 524 285
and Other Characteristics
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
NSS 59th Round (January – December 2003)
150 8 4 1580 85 47
Unemployment Situation in India
Situation Assessment Survey of Farmers,
NSS 59th Round (January – December 2003)
97 495 Consumption Expenditure of Farmer Households, 2003 250 15 10 2140 121 67
98 496 Some Aspects of Farming, 2003 250 15 10 2680 149 83
99 497 Income, Expenditure and Productive Assets of Farmer
250 15 10 3480 209 139
Households, 2003
100 498 Indebtedness of Farmer Households 150 8 4 1380 78 43
101 499 Access to Modern Technology for Farming, 2003 250 15 10 1680 93 52
Land & livestock holdings and Debt & Investment,
NSS 59th Round
102 491 Household Ownership Holdings in India, 2003 250 15 10 3680 221 147
103 492 Some Aspects of Operational Land Holdings in India,
250 15 10 5080 305 203
2002-03
104 493 Livestock Ownership Across Operational Land Holding
150 8 4 1580 84 42
Classes in India, 2002-03
105 494 Seasonal Variation in the Operational Land Holdings in
250 15 10 2080 125 83
India, 2002-03
106 500 Household Assets and Liabilities in India as on
250 15 10 4880 293 195
30.06.2002
107 501 Household Indebtedness in India as on 30.06.2002 250 15 10 6000 360 240
108 502 Household Borrowings and Repayments in India during
250 15 10 4750 285 190
1.7.2002 to 30.6.2003
109 503 Household Assets Holdings, Indebtedness, Current
Borrowings and Repayments of Social Groups in India 250 15 10 3880 233 155
as on 30.06.2002
110 504 Household Capital Expenditure in India during 1.7.2002
250 15 10 7280 437 291
to 30.6.2003
NSS 60th Round (January – June 2004)
111 505 Household Consumer Expenditure in India, January –
150 8 4 2580 138 69
June 2004
(January – June 2004)
250 15 10 3580 202 112
January – June 2004
Health, NSS 60th Round (January – June 2004)
113 507 Morbidity, Health Care and the Condition of the Aged 250 15 10 4480 269 179
Consumer Expenditure, NSS 61st Round
(July 2004 – June 2005)
114 508 Level and Pattern of Consumer Expenditure, 2004-05
2004 250 16 8 5080 322 163
115 509 Household Consumption of Various Goods and
250 16 8 4480 284 144
Vol. I Services in India, 2004-05
05 Vol. I
116 509 Household Consumption of Various Goods and
250 16 8 4080 259 131
Vol. II Services in India, 2004-05
05 Vol. II
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Consumer Expenditure, NSS 61st Round
(July 2004 – June 2005)
117 510 Public Distribution System and Other Sources of
250 16 8 3880 246 124
Vol. I Household Consumption, 2004-05 05 Vol. I
250 16 8 3680 234 118
Vol. II Household Consumption, 2004-05 05 Vol. II
119 511 Energy Sources of Indian Households for Cooking
250 16 8 2480 157 79
and Lighting, 2004-05
120 512 Perceived Adequacy of Food Consumption in Indian
150 10 5 1780 113 57
Households 2004-2005
121 513 Nutritional intake in India, 2004--2005 250 16 8 3680 234 118
122 514 Household Consumer Expenditure among Socio- Socio
250 16 8 2880 183 92
Economic Groups: 2004 – 2005
Employment & Unemployment,
NSS 61st Round (July 2004 – June 2005)
250 16 8 4680 297 150
(Part-I) 2004-05 (Part-I)
250 16 8 4680 297 150
(Part-II) 2004-05 (Part-II)
125 516 Employment and Unemployment Situation Among
250 16 8 3680 234 118
Social Groups in India, 2004-05
126 517 Status of Education and Vocational Training in India
250 16 8 2680 170 86
2004-2005
127 518 Participation of Women in Specified Activities along
150 10 5 1380 88 44
with Domestic Duties
128 519 Informal Sector and Conditions of Employment in India,
250 16 8 3880 246 124
(Part-I) 2004-05(Part-I)
129 519 Informal Sector and Conditions of Employment in India,
250 16 8 4480 284 144
(Part-II) 2004-05(Part-II)
130 520 Employment and Unemployment Situation in Cities
150 10 5 1570 100 50
and Towns in India, 2004-2005
131 521 Employment and Unemployment Situation among
250 16 8 2480 157 79
Major Religious Groups in India, 2004-05
2004
Employment & Unemployment,
NSS 62nd Round (July 2005 – June 2006)
250 16 8 4480 284 144
2005-06
133 523 Household Consumer Expenditure in India, 2005-06
2005 150 10 5 1380 88 44
Unorganised Manufacturing Enterprises
Enterprises,
134 524 Operational Characteristics of Unorganised
250 16 8 4880 310 156
Manufacturing Enterprises in India, 2005-06
2005
135 525 Unorganised Manufacturing Sector in India, 2005-06
2005 –
250 16 8 2880 183 92
Employment, Assets and Borrowings
136 526 Unorganised Manufacturing Sector in India, 2005-06
2005 –
250 16 8 4280 272 137
Input, Output and Value Added
Consumer Expenditure, NSS 63rd Round
(July 2006 – June 2007)
137 527 Household Consumer Expenditure in India, 2006 – 07 150 7 5 1380 69 48
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Enterprises NSS 63rd Round
Service Sector Enterprises,
(July 2006 – June 2007)
138 528 Service Sector in India (2006-07):
(2006 Operational
250 12 9 880 44 30
139 529 Service Sector in India (2006
2006-07): Economic
250 13 8 1280 68 43
(July 2007 – June 2008)
140 530 Household Consumer
umer Expenditure in India, 2007-08
2007 150 8 5 1380 75 48
Employment & Unemployment and Migration
Particulars, NSS 64th Round
(July 2007 – June 2008)
250 14 9 4080 221 152
2007-08
142 533 Migration in India, 2007-2008
2008 250 14 9 2280 123 85
Participation & Expenditure on Education
143 532 Education in India : 2007-08
08 Participation and
250 14 9 6280 345 232
Expenditure
Particulars of Slum
144 534 Some Characteristics of Urban Slums,
Slums 2008-09 150 8 6 1180 64 44
Housing Condition
145 535 Housing Condition
ondition and Amenities in India 2008-
360 20 13 720 41 25
2009
Domestic Tourism
146 536 Domestic Tourism in India, 2008
2008-09 430 24 15 860 48 31
Employment & Unemployment
147 KI (66/10) Key Indicators of Employment and Unemployment
- - - - - -
in India, 2009-10
360 18 12 720 37 23
2009-10
149 539 Informal Sector and Conditions of Employment in
300 15 10 600 29 19
India
150 543 Employment and Unemployment situation among
360 17 11 72
720 34 21
Social Groups in India
151 548 Home-based
based Workers in India 360 17 11 720 34 22
152 550 Participation of Women in Specified Activities
270 13 9 540 26 18
along with Domestic Duties, 2009-10
2009
153 551 Status of Education and Vocational Training in
260 12 8 520 24 16
India
154 552 Employment and Unemployment situation among 32
370 16 10 740 20
Major Religious Groups in India
155 553 Employment and Unemployment situation in cities
280 12 7 560 24 14
and towns in India
Continued..
Price
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Consumer Expenditure
156 KI (66/1.0) Key Indicators of Household Consumer Expenditure in
- - - - - -
India
157 538 Level and Pattern of Consumer Expenditure 250 12 8 500 24 15
158 540 Nutritional Intake in India 240 12 8 480 23 15
159 541 Household Consumption of Various Goods and Services
230 12 7 460 23 15
in India
160 542 Energy Sources of Indian Households for Cooking and
340 16 10 680 32 20
Lighting
161 544 Household Consumer Expenditure across Socio
Socio-
410 19 12 820 38 24
Economic Groups
200 10 6 400 20 12
Household Consumption
163 547 Perceived Adequacy of Food Consumption in Indian
250 12 8 500 24 16
Households
Unincorporated Non-agricultural
agricultural Enterprises
(Excluding Construction)
164 KI (67/2.34) Key Results of Survey on Unincorporated Non
Non-
agricultural Enterprises (Excluding Construction)in India - - - - - -
165 546 Operational Characteristics of Unincorporated Non
Non-
agricultural Enterprises (Excluding Construction)
Construction)in India 280 13 8 560 26 16
166 549 Economic Characteristics of Unincorporated Non Non-
agricultural Enterprises (Excluding Construction) in India 330 16 10 660 32 20
Household Consumer Expenditure

NSS 68th Round (July 2011
201 – June 2012)
167 KI (68/1.0) Key Indicator of Household Consumer Expenditure in
- - - - - -
India.
168 555 Level and Pattern of Consumer Expenditure, 2011
2011-12 250 10 6 500 20 12
169 558 Household Consumption of Various Goods and Services 260 11 7 520 22 14
in India, 2011-12
170 560 Nutritional Intake in India, 2011-12
2011 380 15 10 760 30 20
171 562 Household Consumer Expenditure across Socio
Socio- 440 18 12 880 36 24
Economic Groups, 2011-12
172 565 Public Distribution System and Other Sources of 360 15 9 720 30 18
Household Consumption, 2011-12
2011
173 567 Energy Sources of Indian Households for Cooking &
330 13 8 660 26 16
Lighting, 2011-12
Employment & Unemployment
201 – June 2012)
174 KI (68/10) Key Indicator of Employment and Unemployment in - - - - - -
India, 2011-12
175 554 Employment & Unemployment Situation in India 390 16 10 780 32 20
176 557 Informal Sector and Conditions of Employment in India 330 14 8 660 28 16
177 559 Participation of Women in Specified Activities along
290 12 7 580 24 14
with Domestic Duties
178 563 Employment and Unemployment situation among Social
390 16 10 780 32 20
Groups in India
179 564 Employment and Unemployment situation in Cities &
280 11 7 560 22 14
Towns in India
180 566 Status of Education and Vocational Training in India 270 10 7 540 20 14
181 568 Employment and Unemployment S Situation among Major
380 14 10 760 28 20
Religious Groups in India
Price
Sl. Report Hard Copy Soft Copy
Title of the Report
Sterling Sterling
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Drinking Water, Sanitation, Hygiene and
Housing Condition
201 – December 2012)
182 KI (69/1.2) Key Results of Survey on Drinking Water,
Sanitation, Hygiene and Housing Condition in India - - - - - -
183 556 Drinking Water, Sanitation, Hygiene and Housing 330 14 8 660 28 16
Condition in India
Particular of Slums
201 – December 2012)
184 KI (69/0.21) Key Indicators on Urban Slums in India - - - - - -
185 561 Urban Slums in India, 2012 330 13 8 660 26 16
Land & Livestock Holdings
NSS 70th Round ( January
uary 2013-December 2013)
186 KI (70/18.1) Key Indicators of Land and Livestock Holdings in
- - - - - -
India
187 571 Household Ownership and Operational Holdings in 215 8 5 430 16 10
India
188 572 Livestock Ownership in India 180 7 5 360 14 10
All India Debt & Investment
NSS 70th Round (January 2013-December 2013)
189 KI (70/18.2) Key Indicators of Debt and Investment in India - - - - - -
190 570 Household Assets and Liabilities 470 18 12 940 36 24
191 577 Household Indebtedness in India 475 18 12 950 36 24
Situation Assessment of Agricultural Households
NSS 70th Round (January
anuary 2013-December 2013)
192 KI (70/33) Key Indicators of Situation of Agricultural - - - - - -
Households in India
193 569 Some Characteristics of Agricultural Households in 240 9 6 480 18 12
India
194 573 Some Aspects of Farming 260 10 7 520 20 14
Social Consumption:
Consumption Health
NSS 71st Round (January
anuary 2014-June 2014)
195 KI (71/25.0) Key Indicators of Social Consumption: Health - - - - - -
196 574 Health in India 475 17 12 950 34 24
Social Consumption
Consumption: Education
NSS 71st Round (January
anuary 2014-June 2014)
197 KI (71/25.2) Key Indicators of Social Consumption: Education
- - - - - -
in India
198 575 Education in India, 2014 290 11 8 580 22 16
Copies are available with the Additional Director General, SDRD, NSSO, 164, Gopal Lal Tagore Road, Kolkata
Kolkata-700 108
on payment basis through Demand Draft drawn in favour of “Pay & Accounts Officer, Ministry of Statistics & P.I.,
Kolkata”. Postal Charges will be 85/- by Speed Post and 30/- by Regd. Parcel for single copy within India.

Nss 577

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Nss 577

Uploaded by

Copyright:

Available Formats

~ ~fd~l"{f~afUT (IF"lQ{iQ{i) ~ ~ ~~1J:Cf~~~afUT q~{iJOtjfd~l·~~, %OI~'@(11

ctt ~,*, ~ f.i1:ITuT~ fclf'J.f5f~Cp(1CfJl·G~ Jf~ ~ ~ ~Cp(1CfJ"j~ ~ ~ ~ ~ ~ ~ ~ 1

~ ~ G~ ~-f.i1:ITuT 3ffi f.iufl:r"Bl1~ G~ ~ {ixif)lt1 ~ll(3'l\ ~~, :m~,* 3ffi mR1 WT

2. ~ ~fd~l"{f ~afUT cf)l[1Tt1[1(Q'1Q{iQ{i3fl) -q ~-f?(w~x 2013 ~ ~ ~ TfQ "CA.~."QJ1. ~ 70~

~"R ~ ~~1J:Cf~~afUTf$m 1~~afUT4, ~%OI~'@(11 ctt~ 30"GfT 2012 ~ ~

~ ctt TIt 1 ~ ~ {ixif)lx"i -q l{t"Bl1R qfd~l"{f JfTt.IR 1« ~ ~afUT 4 'l-fTTfiWn 1~ ~ Q'1Q{iQ{iJfT

1992), G~ 59~ ~ (\jHqt1-f?(W~x 2003) 4 ~ ~ ~ 3ffi ~ ~afUT f$m 1

3. ~ ~ ~ 1J:Cf~ ~ ~ em- 4 Q'1Q{iQ{iJfT ~ ~ ~ qfd~l"{f ~ ~ JfTt.IR 1«,

G~ q~ql-.("j1«~~m-ctt~ Fa~tQ(1I,*~ ~~~~~~f$mTT<:TT% 1

4. ~afUT Jff~ G~ ~tJFf "Q'l-fTTf(~JfRit) -q ~afUT ~ "BTtGl FaCf)[fj(1 ~ G~ ~ Rcf'rt em

5. -R, ~afUT iF ~ ~ 4 JfLRT ~§I£fll J:jllkl"{T'1 ~ ~ ~ ~ qfd~l"{f ~afUT ~ 70~ ~ iF

6. ~ Fal"{lql{i % fm" ~ Rcf'rt ~l\jHIif)I-.(\ ~-f.i1:1fcn,*, ~~ 3ffi :m~,* ~ ~ \3q~llft ~

~ 1~ Rcf'rt ctt FatQ[1q~ ~, ~ JfZfCffRcf'rt iF FcPm ~ ~ 4 ~t.IR iF ~ ~ cpr ~ % I

New Delhi (Dr. G. C. Manna)

Chapter Two 8-15

Chapter Three 16-45

Fig 3.1R/U percentage distribution of indebted household for each 19

Fig. 3.3R/U IOI (%) by institutional and non-institutional credit agencies by 23

Fig. 3.4 Incidence of indebtedness (IOI) of households by terms of 31

Fig 3.5R/U Percentage distribution of outstanding cash debt by rate of interest 34

1.1 The Report in Perspective

1.3 Comparability with previous round survey

NSS Report No.577: Household Indebtedness in India

NSS Report No.577: Household Indebtedness in India

1.4 Reports of the 70th round AIDIS

NSS Report No.577: Household Indebtedness in India

as on 30.6.2012, which is hereafter referred to, in brief, as debts of households. The

NSS Report No.577: Household Indebtedness in India

NSS Report No.577: Household Indebtedness in India

NSS Report No.577: Household Indebtedness in India

NSS Report No.577: Household Indebtedness in India

2.1 Basic Concepts

a) Self-employed in agriculture/non-agriculture: Persons who operate their own farm

b) Regular wage/salaried household: Persons working in farm or non-farm enterprises

c) Casual labour household in agriculture/non-agriculture: Persons working in farm

NSS Report No.577: Household Indebtedness in India

NSS Report No.577: Household Indebtedness in India

The following points may be noted:

a. Values of land & building as on 30.06.12 were reported as per their

b. In case of inability of respondents to report the value as on 30.06.12 of other

NSS Report No.577: Household Indebtedness in India

activities coming under Tabulation Categories A and B of the National Industrial

2.1.14 Non-household enterprise: Non-household enterprises were defined as those which

2.2 Concepts regarding Loan

NSS Report No.577: Household Indebtedness in India

(a) Capital expenditure in farm business

NSS Report No.577: Household Indebtedness in India

(v) Capital expenditure in non-farm business: It consisted of the expenditure in non-farm

NSS Report No.577: Household Indebtedness in India

a) surety security or guarantee by third party

NSS Report No.577: Household Indebtedness in India

3.2 Profile of Indebted Households:

NSS Report no. 577: Household Indebtedness in India

NSS Report no. 577: Household Indebtedness in India

NSS Report no. 577: Household Indebtedness in India

decile class of asset holding decile class of asset holding

NSS Report no. 577: Household Indebtedness in India

NSS Report no. 577: Household Indebtedness in India

NSS Report no. 577: Household Indebtedness in India

have played a greater role, adva

Fig. 3.3R: IOI (%) by institutional and non-institutional

a) Institutional agencies:: Statement 3.

NSS Report no. 577: Household Indebtedness in India

~ ~fd~l"{f~afUT (IF"lQ{iQ{i) ~ ~ 1J:Cf~afUT q~{iJOtjfd~l·~~, %OI~'@(11

~"R ~ 1J:CfafUTf$m 1~~afUT4, ~%OI~'@(11 ctt~ 30"GfT 2012 ~ ~

6. ~ Fal"{lql{i % fm" ~ Rcf'rt ~l\jHIif)I-.(\ ~-f.i1:1fcn,, ~~ 3ffi :m~, ~ ~ \3q~llft ~