The Comptroller and Auditor General of India (CAG) released a landmark decadal report revealing that the combined public debt of Indian states nearly trebled from ₹17.57 lakh crore in 2012-13 to ₹59.60 lakh crore in 2022-23 — a 239% increase over a decade. The report, covering 28 states, flags alarming debt sustainability trends that pose serious risks to fiscal federalism. Punjab emerged as the most fiscally stressed state, with public debt reaching 40.35% of its Gross State Domestic Product (GSDP), far exceeding the FRBM-recommended threshold of 25% of GSDP. The report identifies 11 states that are borrowing to meet revenue expenditure — including salaries, pensions, and subsidies — rather than capital investment in infrastructure. This structural imbalance undermines the productivity of borrowed funds and creates debt traps. Among the key findings: states have increasingly relied on off-budget borrowings through state-owned enterprises and special purpose vehicles, masking the true extent of fiscal stress. The report recommends strict enforcement of Fiscal Responsibility and Budget Management (FRBM) norms, transparent reporting of contingent liabilities, and linking central transfers to fiscal consolidation milestones. The CAG also raised concerns about the quality of capex — finding that a significant portion of reported capital expenditure represents loans to state-owned entities rather than direct asset creation. The report is especially significant for RPSC aspirants as it touches on GST revenue sharing, Finance Commission devolution, and the structural challenges facing cooperative federalism in India.
CAG Decadal Report: States' Public Debt Trebled in 10 Years, Punjab Worst at 40.35% of GSDP
CAG's decadal report reveals states' public debt nearly trebled from ₹17.57 lakh crore (2013) to ₹59.60 lakh crore (2023), with Punjab worst at 40.35% of GSDP and 11 states borrowing for salaries rather than infrastructure — raising serious fiscal federalism concerns.
Key facts
- States' combined public debt grew from ₹17.57 lakh crore (2013) to ₹59.60 lakh crore (2023) — a 239% increase in 10 years
- Punjab has the worst debt-to-GSDP ratio at 40.35%, exceeding FRBM threshold of 25%
- 11 states are borrowing to fund revenue expenditure (salaries, pensions, subsidies) rather than capital investment
- States using off-budget borrowings via state enterprises and SPVs to mask true fiscal stress
- CAG recommends strict FRBM enforcement, transparent contingent liability reporting, and linking central transfers to fiscal milestones
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Source: CAG
Frequently asked questions
According to the CAG decadal report, by how much did states' combined public debt grow between 2012-13 and 2022-23?
States' combined public debt nearly trebled from ₹17.57 lakh crore in 2012-13 to ₹59.60 lakh crore in 2022-23 — a 239% increase over 10 years.
Which state has the worst debt-to-GSDP ratio as per the CAG report, and what is the figure?
Punjab has the worst debt-to-GSDP ratio at 40.35%, far exceeding the FRBM-recommended threshold of 25%.
What concern does the CAG report raise about 11 states' borrowing behaviour?
These 11 states are borrowing to meet revenue expenditure like salaries, pensions, and subsidies rather than investing in capital infrastructure, creating structural debt traps.
What is off-budget borrowing and why does the CAG flag it?
Off-budget borrowings are debts raised through state-owned enterprises and special purpose vehicles that do not appear in the official budget, masking the true extent of fiscal stress.
What recommendations does the CAG make to improve state fiscal health?
Strict enforcement of FRBM norms, transparent reporting of contingent liabilities, and linking central transfers to fiscal consolidation milestones.
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