Meetings Haryana/Minutes of 139th … · Web viewAnil Kumar Area Manager Bajaj Allianz GIC Ltd. 102. Samuel Thomas Area Manager ICICI Lombard GIC Ltd. 103. Mahavir Singh Area Manager

OF 139TH MEETING OF

SLBC HARYANAHELD ON

DATE: 15.02.2017 (WEDNESDAY)

TIME: 10.30 A.M.VENUE: HOTEL MOUNTVIEW,

SECTOR 10, CHANDIGARH

CONVENER: SLBC, HARYANA

Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017Page 1

OF139TH MEETING OF SLBC

HARYANAThe 139th meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended 31st December, 2016 (F.Y.2016-17) was held on 15 th February, 2017 at Hotel Mount View, Sector 10, Chandigarh. Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana was the Chief Guest and Shri Sanjiv Sharan, Executive Director, Punjab National Bank, presided over the meeting. Sh. Nirmal Chand, Regional Director, Reserve Bank of India, Chandigarh, Shri P.C. Chaudhri, CGM, NABARD, Regional Office, Haryana, Dr. B.M. Padha, General Manager, PNB, Head Office, New Delhi, Sh. Sunil Saran, IES, Director, Institutional Finance & Credit Control, Govt. of Haryana, Madam Kiran Lekha Walia, Financial Advisor, IF&CC, Haryana, Shri A.K. Dargan, Zonal Manager, Punjab National Bank, Haryana Zone & Convener, State Level Bankers’ Committee, Haryana, Senior Officers of the State Govt. and Controlling Heads of the Banks operating in the State of Haryana were also present in the meeting.

The list of participants is as per Annexure.

Shri A.K Dargan, Zonal Manager, PNB, Haryana Zone and Convener SLBC extended hearty welcome to Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana - Chief Guest, Shri Sanjiv Sharan, Executive Director, Punjab National Bank & the Chairman – SLBC, other dignitaries on dais and other distinguished members present in the meeting. He mentioned that besides others, following important issues would be taken up for discussion-

1. Progress on implementation of PMJDY, 3 Social Security Schemes namely PMJJY, PMSBY and APY.

2. Effective implementation of Pradhan Mantri MUDRA Yojana (PMMY)

3. Effective implementation of Stand up India Scheme.4. Progress under opening of FLCs in Haryana. 5. Progress under Annual Credit Plan for the year 2016-17


6. Implementation of PMFBY for Rabi 2016-17.7. Opening of Brick & Mortar Branches in unbanked villages

having population more than 5000.8. Recovery of Advances in Haryana State.9. PMEGP, NURLM, NULM and other Govt. Sponsored schemes

and other important issues concerning banks

Sh. A K Dargan apprised the house that during 4th Steering Committee Meeting to SLBC, Haryana held on 3rd February, 2017, while reviewing the performance under PMEGP, NULM & NRLM, it was decided to get the pendency of applications cleared in a time bound manner and also commitment was taken from Sr. Officers/ Controlling Heads of the respective banks to achieve the targets and clear pendency in all pending applications lying with bank’s branches before 15th March 2017. A special meeting of all Chief Lead District Managers was also convened on 7th February, 2017 by SLBC to evolve a concrete plan and its effective implementation at field level in order to achieve the targets under PMEGP, MUDRA, Stand Up India and other Govt. schemes, important areas of PMJDY, 100% Aadhaar seeding in all PMJDY and SF Accounts, opening of Brick & Mortar branches in villages etc. Shri Dargan requested all the Senior Officers from various banks to make these important areas as focus areas and ensure to surpass targets under credit to PMEGP and other Govt. sponsored schemes. He also informed that SLBC Secretariat has sent various communications to the Controlling heads of concerned banks to open Brick and Mortar branches in 194 villages having population of more than 5000 as per requirement of Reserve Bank of India and also as per the mandate of Hon’ble Finance Minister, Haryana given to the bankers during 138th SLBC Meeting held on 15th November 2016. He requested the Senior Officers/Controlling Heads of the banks to open these branches with in the stipulated time frame and before 31st March 2017.Sh. Dargan informed the house that Govt. of India and the State Govt. Haryana have been constantly emphasizing for 100% Aadhar seeding in all the Saving Accounts for successful implementation of DBT in all social schemes of the Govt. Consequently, SLBC Secretariat had sent many communications to the Controlling Heads of the banks operating in the State of Haryana to complete 100% Aadhar seeding in all the saving bank accounts including Central Pension accounts and PMJDY accounts. As per the advice of DFS, he requested banks to organize special camps by banks’ branches for seeding of Aadhar on every first & third Saturday and Second & Fourth Friday, in addition to the daily efforts to achieve the target of 100% Aadhar seeding. He emphasized that these camps should also


be utilized for distribution of huge back log of undistributed Rupay Cards/PINs in banks, activation of cards, mobile seeding etc. He requested all the member banks to accelerate their efforts in this significant area in order to avoid last minute rush as Govt. of India has already announced to start DBT in its all Welfare Schemes from 1st April 2017.Convener, SLBC expressed hope that the combined efforts of the Banks with the help of the State Government will take overall economic development of the State to new heights.

ACTION: BANKS/LDMs/STATE GOVT./SLBC

While delivering his keynote address Shri Sanjiv Sharan, Executive Director, Punjab National Bank and Chairman – SLBC welcomed Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana - Chief Guest, alongwith all the dignitaries on the dais, media and all other members of SLBC.

In the beginning, Shri Sanjiv Sharan apprised the house about Monetary Policy announced on 8th February, 2017, wherein RBI has decided to keep key rates unchanged, i.e. a shift in its monetary policy from being “accommodative” to “neutral”. Consequently, Repo Rate at 6.25% under Liquidity Adjustment Facility (LAF) and Cash Reserve Ratio (CRR) at 4% kept unchanged. Similarly, Reverse Repo Rate under the LAF at 5.75% & the Marginal Standing Facility (MSF) rate & Bank Rate at 6.75% was also kept unchanged.

The Chairman, SLBC also apprised about following few important highlights of Finance budget of the Nation presented by Hon’ble Union Finance Minister, Shri Arun Jaitely on 1st February, 2017 mainly encompassing Agriculture, Rural Development, Poor & the Under Privileged people, infrastructure, Financial Sector, Digital economy etc. as main focus areas:

The target for Agriculture Credit in 2017-18 has been fixed at a record level of Rs. 10 lakh crore. The farmers will also be benefitted from 60 days’ interest waiver announced by Hon’ble Prime Minister in respect of their loans from the Cooperative Credit structure.

About 40% of the small and marginal farmers avail credit from Cooperative structure. The Primary Agriculture Cooperative Societies (PACS) to act as the front end for loan disbursement, NABARD will be


supported for computerization and integration of all 63,000 functional PACS with the core banking system of District Central Cooperative banks. This will be done in 3 years at an estimated cost of Rs. 1900 crore, with financial participation from State Governments.

The budget provision of Rs. 5500 crore for Prime Minister Fasal Bima Yojana (PMFBY) was increased to Rs. 13,240 crore in RE 2016-17 to settle the arrear claims.

Govt. will set up new mini labs in Krishi Vigyan Kendras and ensure 100% coverage of all 648 KVKs in the country. 1000 mini labs will be set up by qualified local entrepreneurs.

A long term irrigation fund has been set up in NABARD with total corpus of Rs. 44,000 crore.

A dedicated micro irrigation fund will be set up in NABARD to achieve the goal “per drop more crop”. The fund will have an initial corpus of Rs. 5000 crore.

A Dairy processing and Infrastructure Development Fund would be set up in NABARD with corpus of Rs. 8000 crore over 3 years. Initially, the fund will start with a corpus of Rs. 2000 crore.

Govt. has made conscious efforts to reorient MGNREGA to support double farmer’s income. The target of 5 lakh farm ponds and 10 lakh compost pits announced in the last budget from MGNREGRA will be fully achieved. Against 5 lakh farm ponds, it is expected that about 10 lakh farm ponds would be completed by March, 2017. This single measure will contribute greatly to drought proofing of Gram Panchayats. Budget provision of Rs. 38,500 crore under MAGNREGA in 2016-17 has been increased to Rs. 48,000 crore in 2017-18.

Total allocation for the rural, agriculture and allied sector in 2017-18 is Rs.1,87,223 crore, which is 24% higher than previous year.

The Chairman SLBC informed that since the launch of Prime Minister Jan Dhan Yojana on 28th August, 2014, Banks opened 56,75,611 accounts in the state of Haryana upto 31st December, 2016 under PMJDY of which 24,53,679 accounts of women were opened. Out of these, Rupay Cards have been issued in 48,39,816 accounts which is 85% of the total accounts opened. A sum of Rs. 2472.83 crore has been mobilized by banks in the accounts opened under PMJDY in the State of Haryana during the quarter which includes demonetization period. As at 31.12.2016, Banks in the state have enrolled 25,05,062 persons in Pradhan Mantri Suraksha Bima Yojana (PMSBY), 7,95,662 persons in Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and 86,302 persons in


Atal Pension Yojana (APY). He called upon the bankers and the officials from Insurance Companies to accelerate their efforts to extend the benefits of these schemes to a large chunk of masses in the society.

While speaking on the performance of Banks under Pradhan Mantri Mudra Yojna Shri Sanjiv Sharan informed that as on December, 2016, the banking system in Haryana has disbursed an amount of Rs.1128.24 crore and achieved 50% of the prorata target (December 2016) of Rs. 2261.98 crore whereas the achievement against annual budget is only 37%. He called upon the Controlling Heads & all the Senior Officers of the banks to advise their branches to provide MUDRA loans to the needy people and also ensure to surpass the annual target by the end of March 2017. He also advised the Lead District Managers to organize special MUDRA loan camps in association with the District Administration with prior dissemination of publicity through vernacular Print & Electronic Media involving all the Banks. Sh. Sharan requested the ‘Chief Guest’ Shri P. Raghavendra Rao, IAS, ACS, Finance & Planning, Haryana to advise the Deputy Commissioners to closely review the progress of loans under MUDRA, STAND UP INDIA, PMEGP, NURLM, NULM and other Govt. Sponsored programmes in their respective districts and chalk out the strategy to achieve the district targets in coordination with LDMs.

The Chairman informed that after launch of PMJDY, three social security schemes i.e. Prime Minister Suraksha Bima Yojna (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY), Atal Pension Yojna (APY), MUDRA & STAND UP INDIA scheme, an Interactive Portal (www.standupmitra.in) was launched by Hon’ble Prime Minister on 5th April, 2016 with an objective to facilitate bank loans between Rs. 10 lacs to Rs. 1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) and at least one Women borrower per bank branch for setting up of Green Field Enterprises.

While apprising the house about banks’ progress under Stand up India Scheme, Sh. Sharan stated that as at December, 2016, banks have sanctioned loans of Rs. 149.20 crore to 761 beneficiaries, out of which 174 cases amounting to Rs. 31.43 crore sanctioned to SC/ST and 587 cases amount to Rs. 117.77 crore to women beneficiaries in Haryana State.

He expressed hope that the success of STAND UP INDIA campaign will positively infuse the greater strength in the Economy. He called upon all the stakeholders of this programme i.e. LDMs, NABARD, SIDBI, SLBC and Banks to join hands together & put their best efforts in synchronized way and make this mission of Govt. of India successful.While talking about RSETIs in Haryana, he informed that 21 RSETIs are functioning in the state. As at December, 2016, 83070


http://www.standupmitra.in/

trainees including 43198 women, 29185 persons from SC/ST category & 364 handicapped persons participated in 2960 training programmes of Skill Development at these RSETIs. 12282 trainees have been financed by the banks to start their enterprises. He advised all stakeholders that in RSETIs, focus should be on settlement of trainees in time bound manner.

Shri Sanjiv Sharan said that Financial Literacy Programme has an important role to play in Financial Inclusion. 125 Financial Literacy Centres (FLCs) are operating in the State. During the Quarter ended December, 2016, 1536 special camps and 1835 targets specific camps were organized. SLBC Secretariat, Haryana has mapped all 373 skilling centers i.e. Govt. & Private ITIs, Vocational Training Centers, Operational Centers etc. with FLCs and conducted 489 sessions in these skilling centers wherein financial literacy imparted to 26394 students.

Lauding the achievement of banking system in the State, the Chairman, SLBC apprised the house that banking system in the State has achieved all the National Goals except Export Credit during the period under review i.e. from December 2015 to December 2016. As on 31st December, 2016:-

Total Deposits of Commercial Banks/RRBs in Haryana have increased by Rs. 63514 crores from Rs.2,37,247 crore as at December 2015 to Rs. 3,00,761 crore as at December 2016 Crore showing YOY growth of 27 %.

Total Advances during the review period have increased from Rs. 1,91,542 Crore to Rs. 1,95,406 Crore registering YOY growth of 2%. Shri Sharan stressed upon the bankers to improve the position in this area.

Priority Sector Advances have gone up to Rs. 1,07,723 crore with 4% YOY growth. The achievement of National Goal under Priority Sector is 56% against the target of 40%.

Agriculture Advances have increased to Rs. 43,055 crore exhibiting YOY growth of 8%. The achievement of National Goal under Agriculture Sector as at December 2016 is 22% against the target of 18%.

Overall CD Ratio as at December 2016 for State as a whole stood at 65% against the National goal of 60%. CD Ratio has declined from 81% to 65% mainly due to demonetization effect during this period due to abrupt growth of deposit at 27% not in proportionate with the growth in


credit, He called upon bankers to ensure that CD Ratio in the State should not be below the level of 80% and from this level it should always have upward trend.

Under Annual Credit Plan 2016-17 in the first nine months ended December, 2016, the overall achievement of banks is 75% of the prorate target and 56% against the annual target. Shri Sharan expressed hope that by the end of March 2017 quarter, the banks in Haryana will surpass the Annual target of ACP.

While speaking on the importance of banks’ recovery Shri Sanjiv Sharan stated that huge provisions made for NPAs by banks have constrained credit disbursement essential to support economic growth. He also stressed that in the present scenario, the recovery in NPA cases is of utmost priority for the banks as recycling of funds is very important in banking operations. In Haryana 18535 Recovery Certificate cases amounting to Rs. 679.94 crore filed under HACOMP Act were pending as at 31.12.2016, out of which 1550 cases have been pending for more than three years involving an amount of Rs. 59.36 crore. He requested the State Government to take necessary steps to improve the recovery climate without which the banking operations may take a hit.

While concluding, Shri Sanjiv Sharan, Executive Director, Punjab National Bank and Chairman SLBC assured the State Government, Ministry of Finance, Govt. of India, Reserve Bank of India and other stakeholders, of full cooperation from banking fraternity towards strengthening and uplifting the socio-economic conditions of the people of the State.

ACTION: BANKS/INSURANCE COs./LDMs/STATE GOVT./SLBCShri Nirmal Chand, Regional Director, RBI, Chandigarh welcomed Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana - Chief Guest alongwith all the dignitaries on the dais, media and all other members of SLBC. Shri Nirmal Chand appreciated and thanked all the bankers for showing excellent services with coordination and cooperation for Cash Management after demonetization during the quarter under review. He also thanked State Govt. and all other stakeholders for providing support as a team in handling cash. He informed that the position has now been normalized to a great extent.


Shri Nirmal Chand informed that banks have opened 56.75 lakh accounts under PMJDY. He requested all the bankers to complete KYC formalities for regularization of all PMJDY accounts as in non KYC compliant account certain restrictions are imposed on the balances, withdrawals and credits. He called upon to all banks to issue debit cards in all PMJDY accounts and to activate all issued cards immediately. He also requested all the bankers to bring the level of Zero Balance accounts to minimum. He advised all the bankers to provide Micro ATM to all BCAs. He apprised the house that the operations of new entities in our financial landscape in the form of Payment Banks are going to start shortly. They may also be appointed as BCAs by the mainstream banks and the problem of inactive and inefficient BCAs will also be addressed partially in this manner.

Shri Nirmal Chand expressed that Financial Literacy programme has an important role to play in Financial Inclusion. 114 blocks are covered out of 125 blocks of the state. 11 FLCs are still to be opened. He called upon those banks to which these blocks are assigned to set up FLCs immediately. He informed that they are receiving reports that nearest Branch Manager is working as FLCs at many centers. He further advised all the banks to provide maximum support and infrastructure to all FLCs and also to ensure that their FLCs are functioning smoothly and properly. He also advised rural branches to organize at least one FLC camp every month and more & more financial literacy camps for different target groups.

He apprised that wherever RSETIs have been allotted land and constructed the RSETI premises; demands for water and electricity charges are raised at commercial rates. It is clarified that RSETIs are engaged in training unemployed youth, as per Govt. of India guidelines and as such, they should not be treated as commercial establishments and hence charges as applicable to domestic rates need only be collected.”

Sh. Nirmal Chand requested the State Govt. and District Administration to resolve the issues of CLU for the land allotted to RSETIs for construction of premises as RSETIs are engaged in training of unemployed youth & they should not be treated as commercial establishments.

On talking about the total business of the bank in the state, Sh. Nirmal Chand apprised that deposits have increased by 27% and credit by 2% only (y-o-y). CD ratio has reduced from the level of 81% to 65%. Deposits have increased primarily on account of Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 9

deposits received after demonetization. He expressed concern over 2% YoY growth of Credit in the state. He informed that although, credit to agriculture has increased by 8% but credit to MSME has come down by 2 percent. He advised the banks to make extra efforts and extend more credit under Exports for achieving the National goal of 2.0% as the achievement is only 0.12% as at the end of December, 2016.

While discussing on Annual Credit Plan he informed that under agriculture and allied activities, overall achievement is 52% in first three quarter, which should have been 75% by the end of December, 2016. He called upon the bankers to extend more credit under Agricultures and Capital investment as the Government has also declared to achieve doubling of farmers’ income by 2022.

Sh. Nirmal Chand expressed that although the increase in banks credit to the number of micro enterprises was 24% against the target of 10%, however, the share of micro enterprises advance to the total MSME advance was 45% against the target of 60%. Y-o-Y growth in credit to Micro and Small Enterprises was just 1.4% against the target of 20% and there is a large gap between target and achievement. He advised the banks to act in this sector also.

He informed that RBI has identified few MSME cluster in the districts of Gurgaon, Hisar, Panchkula and Panipat and advised SLBC to initiate steps for credit linkage of these clusters. He said that there is slow progress in linkages. He advised the bankers to inform the problems faced by them to RBI so that further view for resolution may be taken immediately.

While apprising about the providing banking facilities to the villages having population below 2000, five villages which comes under the category of bechirag are reported to be pending. He requested the District Administrations to certify that the concerned villages are bechirag so that there may not be further follow up on this issue and the issue may come to the logical end.

On talking about the progress of opening of Brick & Mortar branches of scheduled commercial banks in villages having population of more than 5000 he expressed concern for the banks who have not yet opened the branch in their allocated villages. He further said that banks should not hesitate in opening of Brick & Mortar branches in villages with population of more than 5000 in Haryana as each village with such size of population is a viable village for banking business. Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 10

While concluding, Shri Nirmal Chand, Regional Director, RBI, Chandigarh impressed upon all the bankers to advise their branches to finance liberally under DRI for the upliftment of poor families of society. He advised all the bankers to advise their branches to provide atleast 10 loans per branch per quarter under DRI.

ACTION: BANKS/LDMs/RBI/STATE GOVT./SLBC/FLCsShri P.C. Chaudhri, CGM, NABARD, Haryana while addressing the house touched the following points:

During this year, Finance budget of the Nation presented by Hon’ble Finance Minister on 1st February, 2017, some responsibility has been given to NABARD for long term irrigation for which corpus of Rs.44000 crores has been set up. He expressed that keeping in view the availability of more irrigated land and irrigation channels in the state of Haryana, there may not be much allocation of fund to the state under this scheme. However, there is scope of minor irrigation like more crops per drop and lot can be done in this area in the State. He informed that there will be possibility that money will come to Haryana under this head. He called upon the banker to make area specific plan in association with NABARD, mainly in the southern area i.e. Rohtak, Mohindergarh of the state under Minor irrigation where sprinkler and drip system of irrigation is used.

Secondly, corpus has been earmarked for Dairy processing and infrastructure Development and lot of scope is available under Dairy sector in Haryana State. Traditionally Haryana is leading in Dairy but Dairy Industries are not set up in the Haryana like in the state of Maharastra or South area of the country. Keeping in view a lot of scope of Dairy Sector in the State, there is a need of Industrialization and commercialization of dairy sector and banks will also be benefited by financing under this sector.

Govt. of India has advised the banks to ensure issuance of RuPay ATM cum debit cards in all eligible KCC holders. He called upon to all member banks to issue Rupay ATM Cards to remaining eligible KCC holders expeditiously. Sh Chaudhri also requested NPCI to help Cooperative banks for issuance of Rupay ATM Cum debit cards in KCC accounts.

NABARD has now extended more relaxation for providing of POS Machines to Cooperative and Regional Rural Banks for


providing more digital literacy to the people at large. Keeping in view the smooth functioning of Micro ATMs of RRBs, NABARD has also recommended for providing of more Micro ATMs to Regional Rural Bank.

Digital India Programme has been launched by Govt. of India under which all schemes and programmes are being digitalized by Govt. of India. Under this process, NABARD is digitising SHGs in District Ambala in Haryana State. After collecting SHG Data of district Ambala, the same is being uploaded in soft form on website”E-Shakti.nabard.org.” Earlier 2500 SHGs were reported in Ambala District, but after the digitization of data, the figures are coming to 500 SHGs. By the end of March, 2017 NABARD would be able to give “App” to the banks for monitoring of SHGs. The banks can extend credit linkage etc. to the SHGs by monitoring the progress of SHGs on the application.

NABARD had held first seminar on Climate Change at Chandigarh and after that one scheme was sent to United Nations Framework Convention on Climate Change (UNFCCC) for approval, the same is at final stage. Shortly it is hoped that scheme will be sanctioned by United Nation with approx fund of Rs.500Crores. The scheme envisages reclamation of lot of degraded area. The reclamation is going to provide a lot of benefit to the farmers.

While concluding Shri Chaudhri requested the Chief Guest that Loan eligibility certificate be provided to the farmers who do not own the land but cultivating the land and farmers who are not cultivating the land owned by them but want to give the land on rent to farmers for cultivtion. In Haryana state about 85% of land has been digitized and State Govt. alongwith NABARD should proceed further in this area.

ACTION: BANKS/SLBC/LDMs/STATE GOVT./NPCIShri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana - Chief Guest of the meeting while addressing the house touched upon the following points:-While addressing the house the Chief Guest of the meeting, Shri P. Raghavendra Rao, IAS, ACS, Finance & Planning, Govt. of Haryana said that the SLBC is a platform for discussing the issues in Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

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implementation of various schemes and finding ways to resolve the problems being faced by the banks and the State Government. He stressed upon that by moving at a faster and stronger pace of growth there is a need to remove the regional imbalances and disparities in growth under various sectors. Sh. Rao called upon the bankers that the focus should be on all the schemes/major programmes which lead to employment generation. MSME sector provides better employment opportunities. Bankers, Financial Institutions & Govt. should provide funding to those sections of the society which not only provide employment to themselves but to the society at large. He also mentioned the role of Self Help Groups in employment generation and in the group approach the results are astounding. He said that RSETIs is one of the skill development programme rural institute and generate employment opportunities. He stressed upon the banks to make more efforts in providing social security to the underprivileged and vulnerable sections of the society through accident insurance, life insurance and pension schemes i.e. Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) respectively. He said that Role of Financial Literacy should be to ensure that every family must have an aadhaar based, mobile number seeded bank account. The roles of the Aartias vis-a-vis farmers have been deliberated at various forums and efforts should be made to get the people free from the clutches of money lenders. He made a special mention for requirement of brick and mortar branches in the unbanked areas specifically the rural areas although the Micro ATMs are being made available there. He informed the house that by moving towards aadhaar based digital mode of payments bogus social security pensions could be stopped. While speaking about digital mode of transactions, Shri Rao called upon the banks to take steps to move towards the digital economy in a formal system i.e. less cash economy. Govt. also wants that the system must be tuned towards tax compliance and people should be encouraged for payment of taxes.Shri Rao expressed concern for reduction of CD ratio from the level of 81% to 65% as well as for very less YOY growth of only 2% in Credit.


He advised that list of bechirag villages to be provided to his office so that certificate may be got issued from the respective district immediately.While concluding, Shri Rao informed to organize special Video Conference of all Deputy Commissioners in the first week of April, 2017 pertaining to the pending issues of banking & financial sector at district level. He advised all the Lead District Managers to prepare districtwise detailed and specific agenda containing main issues, general issues for review and discussions. He also advised LDMs to circulate these agenda to Deputy Commissioners in advance and to be in touch with the Deputy Commissioner and Additional Deputy Commissioner for sorting out and resolving the issues which could be resolved at District level before the holding of Video Conference.

ACTION: BANKS/LDMs/RBI/STATE GOVT./SLBC/FLCs

With the permission of the Chair, agenda wise discussions were held as under:

AGENDA ITEM NO. 1

CONFIRMATION OF MINUTES OF 138th MEETING OF STATE LEVEL BANKERS' COMMITTEE (HARYANA) HELD ON 15.11.2016

Last Meeting of SLBC 138th Held on 15.11.2016Minutes Emailed/Circulated on 17.12.2016Comments Received Nil

The house confirmed the minutes. AGENDA ITEM NO. 2

INCENTIVIZING DIGITAL PAYMENTS-DIGI DHAN MELAS

During deliberation the house was apprised that during Digi Dhan Mela banks have to make arrangement for the following activities:

Opening of Bank accounts. Seeding of Aadhaar and Mobile Number in the account.


Merchant registration for acquisition of POS. Distribution of Prepaid cards, debit cards. Assistance in downloading and usage of various digital

payments apps etc.For Digital India, ‘Go Cashless Go Digital’ is the basic principal.Shri Sanjiv Sharan, Chairman, SLBC advised all the bankers and LDMs to coordinate and ensure to provide all the above facilities in Digi Dhan Mela for making cashless society drive of Govt. of India a grand success.

ACTION: SLBC/BANKS/LDMs/State Govt.

AGENDA ITEM NO. 3.2

SUPPORT FROM FINANCIAL INCLUSION FUND (FIF)-DEPLOYMENT OF POS TERMINALS IN TIER 5 & 6 CENTRES

During deliberations the house was informed that presently POS machines are not available as per the requirement of two POS machines for each village.The Chairman, SLBC advised all the bankers to identify two merchant per village, who want to acquire the POS machine and approach NABARD for taking benefit of financial support of Rs.6000/- as per the availability of POS machine of their respective bank keeping in view the delivery of orders placed earlier by the banks.

ACTION: SLBC/BANKS/LDMs/NABARD

AGENDA ITEM NO. 5

IMPLEMENTATION OF PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

5.1 STATUS OF OPENING OF ACCOUNTS UNDER PMJDY

Discussions were held on details given in agenda papers on the following items:-5.1Opening of Accounts under PMJDY5.1(i) PMJDY-Opening of accounts-conversion of Small Accounts to Basic Saving Bank Deposit Accounts (BSBDA)5.2 Issue of Rupay Debit Cards 5.3 Zero Balance Accounts


5.4 Activation of Rupay Card5.5 Claims received and settled under Rupay cards5.6 Aadhaar Seeding in the accounts opened under PMJDY

5.6(i)Feasibility of cleansing of Duplicate/Multiple Accounts opened under PMJDY.

5.7 Micro ATM5.8 Deployment and working of BCAs 5.8(i) Engaging Village Level Entrepreneurs (VLEs) as Banking Correspondents5.9 Progress under three Social Security Schemes

5.9(i) Pradhan Mantri Suraksha Bima Yojana (PMSBY) 5.9(ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY),and 5.9(iii) Atal Pension Yojana (APY)

5.10 Pradhan Mantri Mudra Yojana (PMMY)5.11 Stand-Up India Scheme

While discussing the above issues relating to above scheme the banks were advised as under:

Bankers were requested to advise their field functionaries to continue opening of accounts under PMJDY and motivate the account holders for regular transactions in their respective accounts to avail the benefits of PMJDY.

All bankers were advised to popularize and encourage use of Rupay Card than to other type of cards as this card is of our own country like make in India and the charges and transaction fee is also cheaper than other cards.

It was emphasized that availability of Rupay card with each account holder is important in view of encouragement of cashless transactions in masses. All banks should focus on increasing the Rupay Card activation immediately.

During the deliberations held in 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017 the major public sector banks with high percentage of Zero Balance accounts i.e. SBI (44%) and IOB (42%) were requested to bring the Zero Balance accounts to minimum as the overall position of the State is being affected due to high %age of Zero Balance accounts of major banks. All member banks were also requested to bring the Zero Balance accounts to minimum.

All banks were requested to analyse the duplicate and multiple accounts of the customers and make exercise for data cleaning, and if the banks think they may take the steps like closures of duplicate account of an individual after issuance of notices in the account.


The house was informed that as per mandate of GOI to implement DBT in all important welfare schemes w.e.f. 1st

April, 2017, 100% Aadhaar seeding work must be accomplished immediately. Moreover, all the welfare schemes are to be linked with Aadhaar. Controlling heads of banks were requested to intensify their efforts & to ensure that all branches of their bank accomplish the task of 100% aadhaar seeding in all Saving Accounts.

All member banks were requested to ensure 100% issuance/activation of Rupay Cards so that the account holders are covered under Insurance.

All banks were requested to make availability of Micro ATM with each BCA so that efficient banking services may be extended at the door steps of the masses.

All member banks were requested to ensure thato BCAs are aware of their duties and their working is

monitored by the banks closely.o Branch Managers should visit BC Locations to check the

availability of Bank Mitras and should also maintain proper record of visits.

o Banks should make telephone calls to check the availability/working of Bank Mitras.

o LDMs/Branch Managers should ensure 100% presence and efficient working of their BCAs in their respective SSAs.

o To apprise the SLBC about locations/SSAs/Villages where Bank Mitras are inactive or not delivering banking services efficiently so that VLEs (of the State Govt.) may be deputed.

Member banks were advised to instruct their field functionaries to speed up the process of uploading of applications received for enrollment under PMSBY, PMJJBY and also for making efforts to increase the enrollment under APY.

While reviewing of PMMY, the entire member banks were asked to sensitize their field staff to maximize the loan under MUDRA so that achievement under MUDRA may surpass the annual target. LDMs were also advised to organize Special Camps for MUDRA of all the banks in the District in assistance of District Administration.

All the member banks were requested to advise their each branch to achieve the target of Stand up India scheme and provide the progress on monthly basis.

ACTION: SLBC/BANKS/LDMs/SRDB/UIDAI


AGENDA ITEM NO. 5.12

PRADHAN MANTRI AWAS YOJANA (PMAY)-CREDIT LINKED SUBSIDY SCHEME (CLSS)

Sh. S.D. Sharma, Chief Manager informed the house that the progress under the scheme is not picking up and all banks need to upscale their efforts to ensure higher performance under CLSS. He further informed that National Housing Bank had organized a meeting for officials of Housing Board Haryana and Banks on February 09, 2017 at Panchkula. Housing Board Haryana had substantial inventory which could be classified as eligible under the PMAY-CLSS. As per the information provided by Housing Board Haryana there are 6293 houses that have been allotted to beneficiaries and beneficiaries are in need of home finance while the number of houses that have been constructed and where allotment is in process stands at 6910.

Controlling heads of all banks were requested to contact the Secretary, Housing Board Haryana for further details and also to upscale their efforts to improve the progress under the scheme in respect of their bank and the State of Haryana as well.

ACTION: SLBC/BANKS/LDMs/NHB

AGENDA ITEM NO. 6

IMPLEMENTATION OF DBT IN KEROSENE

Shri Rao, Chief Guest informed the house that Haryana State is going to declared kerosene free from 1st of April, 2017.` AGENDA ITEM 7.1

OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL

During the deliberations on the issue of opening of FLCs in the remaining allocated blocks the following action on part of the banks emerged:-

S.No.

Name of the bank

FLCs yet to be opened in blocks

Latest Status & Action emerged

1. Corporation bank

1-Sohna (Gurgaon) Sh. A.Rajagopal, CM, Corporation Bank made commitment to open the FLC at Nissing (Karnal) block in place of Sohna block immediately in the 4th Steering


Committee meeting held on 03.02.2017.Sh. H.S. Nagendra, DGM, Corporation informed in the 139th

SLBC meeting that their Corporate office has declined the proposal to open FLC. Sh. Nirmal Chand, Regional Director, informed the house that RBI will take it up with the Corporate office of Corporation Bank for opening of FLC at Nissing.

2. Oriental Bank of Commerce

4-Jakhal (Fatehabad) Uklana (Hisar), Narwana (Jind) and Rania (Sirsa)

Shri Rajiv Sardana, informed the house that approval has been taken from their Head Office and advertisement has already been released. He confirmed that all FLCs will be opened before the end of March, 2017 positively.

3. State Bank of India

5-Loharu (Bhiwani), Bhattu (Fatehabad), Agroha (Hisar), Khol (Rewari) and Ellenabad (Sirsa)

Sh. Parveen Raghavendra, DGM, SBI confirmed to open all FLCs before the end of March, 2017.

4. Syndicate Bank

1- Nissing (Karnal) Shri M.L. Chawla, DGM assured to the house to open the FLC at Sohna before 31st March, 2017.

Total 11Controlling heads of Central Bank of India, State Bank of Patiala and Punjab & Sind Bank assured to have independent Financial Literacy counselors and proper infrastructure i.e. space, computer, printer, Financial Literacy Material etc for smooth functioning of the FLCs.

ACTION: RBI/CONCERNED BANKS /LDMs

AGENDA ITEM 7.2

PROVIDING SPACE/PREMISES FOR ESTABLISHING FLCs AT BLOCK LEVEL

During the deliberations of 138th meeting of SLBC Haryana held on 15.11.2016, Financial Advisor, IF&CC, Haryana informed the house that instructions have been issued to all the Deputy Commissioners in the State of Haryana vide letter No. IF&CC/RO/2016/675-95 dated 11.11.2016 for providing one room in DC Office, Tehsil Office or BDO


offices for FLC Counselors of the area for extending Financial Literacy to the Common masses. All LDMs were advised to follow up with District Administration for providing space/room for establishing FLCs at Block level. Sh. S.D. Sharma, Chief Manager requested that this issue will also be taken as agenda item in the Video Conference to be held with all the Deputy Commissioner in the 1st week of April, 2017.

ACTION: CONCERNED BANKS /LDMs

AGENDA ITEM 8.1

FINANCIAL LITERACY CENTRES (FLCs)– PROGRESS DURING THE Q.E. DECEMBER, 2016 (2016-17)

AGENDA ITEM 8.2

FINANCIAL LITERACY–HOLDING OF ONE CAMP PER RURAL BRANCH PER MONTH- PROGRESS DURING THE QUARTER ENDED DECEMBER, 2016 (2016-17).

As per RBI instructions all rural branches of banks were to organize at least one Financial Literacy camp per month. Controlling heads of all the banks to advise their rural branches to hold at least one financial literacy camp every month as per RBI guidelines.

ACTION: BANKS/LDM

AGENDA ITEM NO. 9.1

IMPLEMENTATION OF PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

During deliberations Sh. S.D. Sharma, Chief Manager informed the house that as per the data received from the banks under Pradhan Mantri Fasal Bima Yojana for eligible loanee farmers, Public Sector banks have covered 97.94%, Pvt. Sector banks have covered 99.99%, Regional Rural Banks have covered 100% and HARCO bank has covered only 6.70%. HARCO Bank has covered only 17008 eligible farmers out of total 253833 eligible farmers.


Ms Anupama, DGM, HARCO bank informed the house that this is mainly because of poor recovery and multiple loaning to the farmers.

Dr. B.M. Padha, General Manager, PNB, Head Office, New Delhi apprised the house that in case any bank has not covered their eligible loanee farmers under PMFBY and if any eventuality occurs, the concerned bank will have to bear the loss.

Shri Rao advised DGM HARCO Bank to convene a meeting on the issue under her Chairman alongwith their Additional Chief Secretary, Managing Director and Convener SLBC.

During deliberations some of the banks informed that Insurance companies are not accepting the premium deducted under PMFBY by their branches. Detail discussions were held on the issue and it was agreed by all the stakeholders that in case premium has been deducted before the cut off date by the branch and any correspondence has been initiated before the last date of remittance of premium/details to the Insurance Company etc., the concerned Insurance Company will accept the premium. All the member banks were also requested to:--To check the data compiled by SLBC on the basis of details provided by respective banks and report the discrepancies if any to SLBC immediately otherwise data will be treated as correct.-Upload the data relating to PMFBY on the PMFBY e-portal giving details of each loanee and non-loanee farmer covered by the bank branch.-Banks/representatives of the banks who have not yet provided the PMFBY data were requested to provide the same to SLBC Secretariat immediately.

ACTION: BANKS/LDM/INSURANCE COMPANIES/DEPARTMENT OF AGRICULTURE, GOVT. OF HARYANA

AGENDA ITEM NO. 9.2

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)-FOLIO CONTAINING INFORMATION TO FARMER ABOUT THE SCHEME ALONGWITH LOGO AND TAGLINE OF THE SCHEME ALONGWITH ACKNOWLEDGEMENT RECEIPT/POLICY PAPER

Controlling Heads of all members banks were requested to ensure that the folios, as per design specified by Ministry of Agriculture, Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 21

Govt. of India are got printed and supplied to their branches for delivering the same to the farmers alongwith acknowledgement receipt/policy papers, covered under PMFBY Rabi 2017 by the branches of their bank as decided in the special meeting held on 04.01.2017 and further deliberations held in 4th meeting of Steering Committee held on 03.02.2017.

ACTION: BANKS/LDM/DEPARTMENT OF AGRICULTURE, GOVT. OF HARYANA

AGENDA ITEM NO. 10

OPENING OF BRICK & MORTAR BRANCHES IN VILLAGES WITHOUT A BANK BRANCH OF A SCHEUDULED COMMERCIAL BANK WITH POPULATION MORE THAN 5000

While reviewing in the meeting it was observed that out of 194, 71 branches are reported to be not viable by the banks to which these villages have been allocated.

Dr. M.P. Singh, Chairman, SHGB informed that out of 47 not viable villages reported by their bank, 7 villages are those where they had opened branches earlier and shifted to some other viable places because they were running under losses.

Shri Nirmal Chand, Regional Director, RBI apprised that there are number of branches which were earlier not viable in some village but later on the same have started generating profit and become viable. He also stressed that in the present scenario there is no issue of generating of profit/loss by Brick & Mortar branch to be opened in village with population of more than 5000. The Regional Director advised all the banks to open the Brick & Mortar branch in allocated village and if any bank is reluctant in opening of branch in allocated village they must provide letter duly approved by the Board and CMD of concerned bank alongwith the specific reasons for not opening of branch in the allocated village.

Sh. Sharan, Chairman, SLBC advised all the concerned bank which have reported the villages as not viable for opening of Brick & Mortar branch to revisit. He also emphasized that RBI has clearly mandated for opening of branch in the allocated village and all the concerned banks have to open the Brick & Mortar Branch in their allocated village.

Shri Rao, Chief Guest said that Finance Minister has also shown concern for the delay in opening of Brick & Mortar Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 22

Branches in villages with population of 5000 & above. Banks cannot keep the opening pending with the reasons that the village is not viable. He advised all the concerned banks to strictly follow the instructions of RBI for opening of branch and if there is any reasons for not opening of branch the letter duly approved by Board and CMD must be provided alongwith the specific reasons. He further advised all the concerned banks to open the branch in allocated villages by March, 2017.

ACTION: ALL CONCERNED BANKS/SLBC/LDMs

AGENDA ITEM NO.11

ISSUES OF UNIQUE IDENTIFICATION AUTHORITY OF INDIA (UIDAI)

Shri V.P. Tyagi, Deputy Director, UIDAI deliberated upon the following points:

1. State Aadhaar Act is coming in the next one month and after Maharashtra state, Haryana will be the second state of the country with Aadhaar Act.

2. Approx 500 Aadhaar enrolment kits are permanently set up by the Education department in the school for enrolment of Aadhaar.

3. Lead District Managers to organize camps for Aadhaar seeding in DBT accounts.

Dr. B.M. Padha, General Manager, PNB, HO apprised the house that Govt. of India has given following targets to be completed before 22nd March, 2017 & DFS has also written to the State Govt. for providing the support of District Administration:

i) 100% Aadhaar Seeding in all the PMJDY accounts.

ii) 100% issuance & activation of Rupay Cards. Each and every Rupay card must be swiped once on Micro ATM/ATM

iii) Mobile seeding where the mobile number are available.

Dr. Padha also informed that GOI has formulated a consent form which is available with each branch of the Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 23

banks. This consent form is having two colums whether the customer wants Aadhaar Seeding in their account or he wants both Aadhaar Seeding as well as mapping of one aadhar seeded account with NPCI where the customer wants the Govt. to transfer funds like subsidy/DBT etc. He further clarified that Aadhaar Seeding and Mapping are now two different steps. A customer can get Aadhaar seeded in to his any number of accounts in the banks but mapping with NPCI is to be done in only one account.

Sh. Rao, Chief Guest advised all the LDMs to talk to the Deputy Commissioners of their district for 100% Aadhaar seeding in all the accounts and mapping of Aadhaar Seeding in one account. He also advised to include this issue as agenda item in the Video Conference of Deputy Commissioners to be held in the Ist week of April, 2017.

ACTION: ALL CONCERNED BANKS/SLBC/LDMs/UIDAI/RURAL DEV. DEPAERTMENT

AGENDA ITEM NO. 12

SWACHCHH VIDYALAYA CAMPAIGN

Under the “SWACHCHH VIDYALAYA CAMPAIGN” launched by Govt. of India, the CSR activities like construction of Toilets for girl students, provision of Library & Sports Kit in Govt. Schools etc. in the adopted villages of banks are to be undertaken.Banks were requested to accelerate their efforts in this special area. The Controlling heads of banks were requested to ensure their active participation in this social movement/campaign.

ACTION: ALL BANKS/LDMs

AGENDA ITEM NO. 13

REVIEW OF PERFORMANCE UNDER KEY PARAMETERS AS AT DEC., 2016 (COMMERCIAL BANKs AND RRBs)

AGENDA ITEM NO.14 N A T I ON A L G O A L S



CD RATIO OF FINANCIAL SYSTEM: (COMMERCIAL BANKS, RRBs, COOPERATIVE BANKS WITH RIDF)

The performance of banks in achievement of National Goal was appreciated in the house.Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana in his address expressed concern for reduction of CD ratio from the level of 81% to 65% as well as for very less YOY growth of only 2% in Credit. He called upon to all the banks to focus on credit delivery system in the state and to ensure to recoup Credit Deposit Ratio of the State before the March, 2017.

Sh. Nirmal Chand, Regional Director, Reserve Bank of India, Chandigarh advised the banks to make extra efforts and extend more credit under Exports for achieving the National goal of 2.0% as the achievement is only 0.12% as at the end of December, 2017

ACTION: ALL BANKS/LDMSAGENDA ITEM NO. 15.1

POTENTIAL LINKED PLANS (PLP) PROJECTIONS FOR THE YEAR 2017-2018

NABARD, RO, Haryana has made potential Linked plan for the year 2017- 2018 for the state of Haryana. A comparative chart showing Broad Sector wise PLP Projections for the year 2016-2017 and 2017-2018 is given below:-

(Rs in Crore)Sector 2016-2017 2017-2018 Variation

Amount & %ageCrop Loan 47858 52274 4416 (9.2%)Agriculture Term Loan

22886 24366 1480 (6.5%)

Total Agri. Loan 70744 76640 5896 (8.3%)MSME 19487 25289 5802 (30%)OPS 16104 16947 843 (5.2%)Total 106335 118876 12541 (11.8%)SLBC Secretariat had forwarded the Districtwise Potential Linked Projections (PLP) for the financial year 2017-18 to the Lead District Managers to prepare District Credit Plan (DCP) for the year 2017-18, keeping in view the potential of their districts and allocate the


targets to the banks operating in their respective districts after taking into consideration their achievement under the concerned sector.

LDMs were advised to allocate the targets to the banks in their respective districts and get the same approved in the Special DCC/DLRC meeting convened for this purpose. They were also advised to send the bankwise allocation (Sectorwise and Sub Sectorwise as well) to SLBC Secretariat for compilation of Targets under Annual Credit Plan 2017-18 for placing the same in the 140th

meeting of SLBC Haryana for approval of the house.ACTION: ALL LDMS/BANKS


PERFORMANCE UNDER ANNUAL CREDIT PLAN (ACP) 2016-17 UPTO THE P.E.DEC., 2016

During deliberation the house was informed that %age Achievement under Agriculture, MSME, Other Priority Sector and Total Priority Sector as at Dec.,2016 against the Annual Targets is 52%,79%,46% and 56% respectively which should have been minimum 75% on prorate basis.

Shri S.D. Sharma informed the house that PNB has already launched Special Agriculture Investment Credit Campaign and requested all the banks to launch such type of campaign.

The Chairman, SLBC called upon all the banks to work in unison for all-round development of the State and should strive for the achievement of targets by exploiting the potential available.

ACTION: ALL BANKS/LDMS

AGENDAITEM NO. 16

PROGRESS UNDER DEBT SWAP SCHEME UPTO THE PERIOD ENDED DEC., 2016 (2016-17)

The Controlling Heads of Banks were requested to advise their field functionaries to adopt one village in each district where they are having branch and lend liberally under the scheme to get the farmers out of clutches of money lenders. LDMs were also requested to coordinate with banks and finalize Bank-wise adoption of villages in their districts and inform the progress to SLBC in this regard on monthly basis.

ACTION: ALL BANKS/LDMSAGENDA DOUBLING THE FARMERS’ INCOME BY 2022


ITEM NO.17

Sh. S.D. Sharma, Chief Manager informed that during review in 137th

SLBC it was desired that an exclusive Sub-Group consisting of members from RBI, NABARD, Commercial Banks, RRB, Cooperate Bank, Harco Bank and representatives from Agriculture Department may be formed to address the issue as and when arise. Accordingly, a committee was formed and the details of member of the committee was conveyed to the office of Chief Secretary, Govt. of Haryana vide Convener SLBC letter dated 23.09.2016.

During the 137th meeting of SLBC the house also decided that one Committee should also be formed by the Agriculture Department of Govt. of Haryana, as only providing of finance is not sufficient rather the Road Map is required to be made for providing of Rural infrastructure, irrigation, electricity, literacy in commercial agriculture, modern techniques etc., Mandi, Warehouses, Cold Storage, making of more advances to the farmers and evolving overall strategy and plan in Haryana for achieving the target fixed by Hon’ble Prime Minister. Convener SLBC vide its letters dated 23.09.2016 and 15.10.2016 has requested Chief Secretary, Haryana and Additional Chief Secretary, Agriculture & Farmers’ Welfare Department, Haryana to initiate necessary steps in this regard but no communication has been received from Agriculture & Farmers’ Welfare Department, Haryana in this regard.

Shri Jagraj Dhandi, Joint Director, Agriculture Department informed that they will update the status of committee to SLBC.

The house also desired to convene meeting of Sub Group already formed by SLBC so that necessary steps may be initiated for doubling the income of farmers.

Shri Rao, Chief Guest advised SLBC to convene a meeting of Sub Group and to invite Additional Chief Secretary, Agriculture Govt. of Haryana, RBI, NABARD, IF&CC alongwith major banks for taking further steps in the matter.

ACTION: SLBC/DEPARTMENT OF AGRICULTURE, HARYANA/NABARD



COMPUTERISATION OF LAND RECORDS IN HARYANA – INTERFACE WITH BANKING SYSTEM-CREATION/ RELEASE OF ON-LINE CHARGE ON LAND HOLDINGS

During the 135th meeting of SLBC Haryana held on 10.03.2016, the Land Record Department was requested to provide the User ID and Password to the Lending Institutions so that they may able to have online access on the land record and may also be able to create online charge on the land record of borrowers in order to avoid double or multiple financing on the basis of Mortgage of some property/Land.SLBC Secretariat has taken up the issue with Revenue Department, Haryana vide communications dated 15.6.16 and 18.7.16 but any communication from the Department is yet to be received.During discussion, the Representative from Department of Land Records, Haryana requested SLBC to provide the copy of letters to Revenue Department which has been sent by SLBC. Sh. Rao advised the representative of Revenue Department to give reply to SLBC within a week time from the date of receipt of copy of the letters.

ACTION: SLBC/DEPTT. OF LAND RECORD/REVENUE DEPTT


ISSUES OF REVENUE DEPARTMENT HARYANA

During deliberation the house was informed that SLBC Secretariat has been regularly following up with Revenue & Disaster Management Department Haryana (Communications dated 13.04.16, 12.05.16, 22.06.16, 19.07.2016, 23.08.16, 03.09.16 and SLBC meeting dated 15.11.16) for clarifying whether charge is to be created on the agriculture land against which financial assistance is to be provided by the banks, as per section 4 (1) of the HACOMP Act, 1973 and whether such creation of charge will be a valid charge under the act that means when borrower defaults in repayment of bank dues the bank can sell the related property as per the provision of the law as in the case of Registered Mortgage or by execution of registered mortgage deed as being done by banks as per prevailing practice. But the necessary clarification has since not been provided by the Department so far resulting in further delay in Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 28

conveying the same to the SLBC member banks operating in the State of Haryana facilitating them agriculture financing.

Shri Rao, IAS, ACS finance advised SLBC to write a DO letter to the ACS, Revenue under copy to ACS Finance requesting for discussions on the above issue. Shri Rao also advised Financial Advisor, IFCC, Govt. of Haryana to hold the meeting of ACS, Revenue, Govt. of Haryana as well as Legal Department of Govt. of Haryana and Convener SLBC on the above issue.

ACTION: SLBC/IF&CC/REVENUE DEPTTAGENDA ITEM NO. 19.1

PROGRESS OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs) –DEC., 2016


DISPOSAL OF LOAN APPLICATIONS SPONSORED/REFERRED BY RSETIs OPERATING IN THE STATE OF HARYANA

The Controlling heads of banks were requested to advise their branches to dispose of the loan applications of RSETI trained candidates on merit and clear the pendency so that credit linkage of these candidates could be improved further for making them self-reliant.

ACTION: ALL BANKS/LDMS


ISSUES HINDERING THE CONSTRUCTION OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs) BUILDING

Shri V.K. Kakkar, Nodal Executive, PNBCRDT informed that following issues are still pending for decision/resolution:-

- Payment of CLU charges should be waived.- Sanction of electricity loads/water supply on domestic rates-

MORD,Govt. of India vide its letter dated 15.09.2015 had advised all the State Governments as under:-“Difficulty in constructions of RSETI Premises-It has been brought to our notice that wherever RSETIs have been allotted land and constructed the RSETI premises; demands for water and electricity charges are raised at commercial rates. It is clarified that RSETIs are engaged in training unemployed


youth, as per Govt. of India guidelines and as such, they should not be treated as commercial establishments and hence charges as applicable to domestic rates need only be collected.”

- Waiver of payment of charges/taxes for getting the maps of RSETI buildings passed/approved from respective Municipal Corporations/Committees/Department of Town & Country Planning.

Shri Rao advised to include the issues in the VC to be held with Deputy Commissioner.

Madam Kiran Lekha Walia, Financial Advisor, IF&CC, Haryana informed the house that these issues has already been discussed at Govt. level and certain decision has been taken.

Sh. Sharan, Executive Director advised Sh. Kakar to take up all issues with IF&CC Haryana.

ACTION: SLBC/NODEL EXECUTIVE PNBCRDT/IFCCAGENDA ITEM NO. 20

EDUCATION LOAN SCHEME – TARGETS VIS-À-VIS ACHIEVEMENT


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME (FEMALE STUDENTS)

The Chairman, SLBC stressed upon Controlling heads of member Banks to advise their field functionaries to make all out efforts to achieve the allocated targets under Education Loans.

ACTION: ALL BANKS/LDMsAGENDA ITEM NO. 21

NATIONAL RURAL LIVELIHOOD MISSION (NRLM)

AGENDA ITEM NO.21.1

PROGRESS UNDER NATIONAL RURAL LIVELIHOOD MISSION (NRLM) UPTO THE PERIOD ENDED DEC., 16

In SLBC meeting, it was apprised that a meeting of Sub Committee to SLBC on NRLM and NULM was held on 30.01.2017 and the Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 30

minutes of the meeting were sent to all SLBC member banks and LDMs for information and initiating necessary action on the relevant points.The following action points emerged during the meeting and Controlling heads of banks/Representative of HSRLM were requested to ensure:-

1. That the applications lying pending with branches of their bank for more than one month are disposed of immediately and the applications lying pending for less than one month should also be disposed of on merits before the close of the current financial year. Bankwise and branch wise pendency received from HSRLM has been forwarded to the concerned banks for reference.

2. That to clear the pendency of applications, District Programme Managers of HSRLM should visit Lead District Managers’ Office for review of progress on each Thursday of second week of every month and in case it is non- working day than they should visit the LDMO on the next working day.

3. That the exercise of assigning correct codes to all of the SHGs is completed immediately by the branches of all banks as per the codes given in the booklet provided by SLBC enabling the SHGs to avail the benefit of interest subvention. Further, a circular in this regard should also be issued by the Corporate Office of the respective bank for guidance of the field functionaries/branches of the bank operating in the State of Haryana.

4. A circular with regard to exemption/waiver of stamp duty on credit linkage of women Self Help Groups should also be issued by the Corporate Office of the respective bank on the basis of the Govt. of Haryana notification dated 04.07.2016 issued in this regard, for information and guidance of the field functionaries/branches of the bank in the State.

5. Their bank branch offices in district Bhiwani, Jhajjar, Mewat, Karnal, Jind and Mahendergarh apply the interest rate of 7% p.a. accordingly and claim the interest subvention to the extent of difference between the Weighted Average Interest Charged (WAIC as specified by Department of Financial Services, Ministry of Finance for the year 2016-17). In other


districts falling in category-II, the interest subvention is to be made available by HSRLM for credit to the SHG loan accounts repaying regularly on the basis of data provided by the banks to the NRO.

6. That their best SHG performing branches are awarded suitably as per the scheme of their bank.

ACTION: ALL BANKS/STATE GOVT. /LDMsAGENDA ITEM NO. 22.1

PROGRESS UNDER SELF HELP GROUPS (SHGs)

All the member banks were requested to note that formation of SHGs and its credit linkage is to be done at fast pace.

ACTION: ALL BANKS/LDMsAGENDA ITEM NO. 22.2

E-SHAKTI PROJECT (PHASE-II)- DIGITIZATION OF SELF HELP GROUPS (SHGs)–COLLECTION OF SHG DATA BY NGOs

Shri P.C. Chaudhri, CGM, NABARD, Regional Office, Haryana apprised the house that Digital India Programme has been launched by Govt. of India under which all schemes and programmes are being digitalized by Govt. of India. Under this process, NABARD is digitalizing SHG in District Ambala in Haryana State. After collecting SHG Data of district Ambala, the same is being uploaded in soft form on website”E-Shakti.nabard.org.” Earlier 2500 SHG were reported in Ambala District but after the digitization of data the figures is coming to 500 SHGs. By the end of March, 2017 NABARD would be able to give “App” to the banks for monitoring of SHGs. The banks can extend credit linkage etc. to the SHGs by monitoring the progress of SHGs on the application.

Action: ALL BANKSAGENDA ITEM NO. 23.

JOINT LIABILITY GROUPS (JLGs) TARGET 2016-17 & PROGRESS UPTO DEC., 2016 (2016-17)

Controlling Heads of banks were requested to advise their field functionaries to pay focused attention towards achievement of targets under JLG.

ACTION: ALL BANKS/LDMs

AGENDA ITEM NO.

REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES


24


NATIONAL URBAN LIVELIHOOD MISSION (NULM)

To review the performance of banks under NULM and NRLM, a meeting of Sub Committee to SLBC Haryana was held on 30.01.2017.During the deliberations in the meeting, the representatives of banks and NULM were requested to ensure:-

1. That the applications lying pending with branches of their bank are disposed of immediately no application should remain pending as at March, 2017.

2. That maximum applications are sponsored by the Nodal agency by December of each year so that the banks could get sufficient time for disposal of the loan applications.

3. To get the pendency of applications cleared at the earliest, the District Level Field functionaries of NULM (SUDA) should visit Lead District Managers office for review of progress on Thursday of each second week of every month and in case it is non-working day than they should visit on the next working day.

4. Field functionaries of NULM to maintain close liaison with Lead District Managers for discussing and resolving the issues in BLBC/DLCC/DLRC meetings.

5. That bankwise and branch wise pendency should be provided by the Nodal Agency i.e. SUDA (NULM) to the concerned banks and Lead District Managers on monthly basis for their quick disposal.

Controlling heads of banks and SUDA authorities were requested to ensure compliance of the above action points.

ACTION: ALL BANKS/LDMS/KVIC/KVIB/DICAGENDA ITEM NO. 24.2

PROGRESS UNDER NATIONAL URBAN LIVELIHOOD MISSION (NULM)

Sh. Dinesh Sharma, AMD, SUDA (NULM) informed the house that earlier only 22 Towns were covered under NULM and now the Govt. of India has permitted State Govt. to cover the town under NULM as


per the decision of the state and in Haryana all the Towns are to be covered under NULM, now onwards.

SUDA-NULM was requested to provide the necessary instructions for coverage of all the towns under NULM for circulation amongst all the member banks.

Controlling heads of banks were requested to impart necessary instructions to their field functionaries for disposal of the pending applications at the earliest and disbursement of sanctioned cases without further delay and ensure that no application remains pending without any justified reason.

ACTION: ALL BANKS/LDMs/SUDA/KVIC/KVIB/DIC


PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP)-PROGRESS UPTO THE PERIOD ENDED DEC., 2016

Shri H.D Sahrawat, Additional Director, Industries Department apprised the house that in the meeting held on 14.02.2017 at New Delhi, attended by the Chairman of KVIC, Joint Secretary MSME and all the Director of Northern Zone, the poor performance of all the stakeholders in implementation of Prime Minister Employment Generation Programme was viewed seriously.

Shri Sehrawat informed that till date only 40% of Margin Money amount has been disbursed and 2207 online cases are lying pending.

Dr. Padha, General Manager, PNB, Head office advised all the Lead District Managers that 28th February, 2017 will be deadline for sanction of all pending cases Offline as well as Online and also to disburse all the PMEGP sanctioned cases immediately.

Shri Sehrawat further informed that in the meeting held on 14.02.2017 at New Delhi it was decided to disburse all the sanction cases where the training is still pending. However, the training must be got completed within 1 month from the date of disbursement. He also informed that the banks should also ensure to disburse the Ist installment of disbursement more than Margin Money amount as Margin Money amount can only be claimed if the disbursement is more than Margin money claim amount.


Sh. Sharan, Chairman, SLBC advised all the banks to sanction all the pending cases before 28th February, 2017 and also to disburse the sanctioned cases immediately. He also advised the banks to ensure that Margin Money amount of all the disbursed cases is claimed by the banks.

ACTION: ALL BANKS/LDM/INDRUSTRY DEPARTMENT, GOVT. OF HARYANA


ON LINE E-PORTAL OF PMEGP SCHEME

All member banks were requested to percolate the following instructions to the branches of their bank for meticulous compliance.

1. PMEGP has been made operationalized w.e.f. 01.07.2016 and all applications received under PMEGP must be entered in the e-portal. Only such applications will be entertained which will be entered in the e-portal.

2. Open the website "www.kviconline.gov.in"3. On home screen click on "PMEGP"4. On PMEGP e-portal, Click on "bank login" link given on right

corner.5. Enter IFSC Code of branch as USER ID.6. Enter email ID of the branch as PASS WORD. 7. SUBMIT

Branch will receive the one time pass word within one day and after that all applications received under PMEGP must be entered in this portal. Convener bank had already conveyed these instructions to all the member.For any technical support send mail to [email protected] from your branch email id with IFSC code, branch name, contact person name, designation and contact number.

ACTION: ALL BANKS/LDMS AGENDA ITEM NO. 26

CASES SPONSORED BY HARYANA SCHEDULED CASTES FINANCE & DEVELOPMENT CORPORATION (HSCFDC)

Controlling heads of all the banks were requested to advise their field functionaries to ensure disposal of the cases pending for sanction on merit and also to disburse the sanctioned cases at the earliest.


mailto:[email protected]

http://www.kviconline.gov.in/


RECOVERY UNDER HACOMP ACT

During deliberations the house was informed that as at December, 2016, 18535 cases were pending for recovery under HACOMP Act with an amount of Rs.679.94 crore. Out of above 1550 cases are pending for more than three years involving an amount of Rs.59.36 Crore.Controlling heads of banks were requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank and also provide District-wise details of pending cases to SLBC, Haryana for taking up the matter with Revenue Department, Haryana accordingly.All LDMs were also requested to review the pendency in the DCC/DLRC meetings and make efforts to get the pendency cleared/minimized at the earliest and also to include this item as agenda item in the ensuing Video Conference to be held in the Ist week of April, 2017.

ACTION: DEPTT. OF REVENUE/LDMS/ALL BANKS/SLBCAGENDA ITEM NO. 30

Disposal of cases filed by banks before Chief Metropolitan Magistrate(CMM)/District Magistrate(DM) under Section 14 of the SARFAESI Act, 2002.

Controlling Heads of banks were requested to provide districtwise details of cases filed by their bank before Chief Metropolitan Magistrate (CMM)/District Magistrate (DM) under Section 14 of the SARFAESI Act, 2002 which are lying pending for taking up the matter with Revenue Department, Haryana accordingly. They were also requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank. All LDMs were requested to closely follow up with Revenue authorities and get the pendency cleared/minimized at the earliest.

ACTION: DEPTT. OF REVENUE/LDMS/ALL BANKSAGENDA ITEM NO.32.4

CREDIT LINKAGE OF UNIDENTIFIED/UNRECOGNIZED MSMES CLUSTERS


RBI has identified few MSME cluster in the districts of Gurgaon, Hisar, Panchkula and Panipat and advised SLBC to initiate steps for credit linkage of these clusters.

Shri Nirmal Chand, Regional Director, RBI, Chandigarh expressed concern that there is no much progress in linkages. He advised all the bankers to inform the problems being faced by them to RBI so that further view for resolution may be taken immediately.

ACTION: ALL BANKS/LDMsAGENDA ITEM NO. 32.5

CREATION OF SEPARATE WEBSITE FOR MICRO ENTERPRISES

In the meeting of Empowered Committee (EC) of MSMEs for the State of Haryana, Punjab & Chandigarh on 03.10.2016, the Chairman of the meeting has advised their Financial Inclusion Development Department (FIDD) to take up the matter with Department of Industries & Commerce, Haryana. FIDD, Reserve Bank of India, Chandigarh was requested to take up the matter with Department of Industries & Commerce, Haryana for creation of separate website for Micro Enterprises.

ACTION: RBI, DEPTT. OF INDUSTRIES & COMMERCE, GOVT. OF HARYANA


CREDIT FLOW TO MINORITY COMMUNITIES UNDER PRIME MINISTER’S 15 POINT ECONOMIC PROGRAMME

During deliberations member Banks were requested to advise their branches in the State to extend more and more credit to minority communities for their economic development.


PROVIDING OF RUPAY DEBIT CUM ATM CARD TO KISAN CREDIT CARDS HOLDERS

During deliberations the house was apprised that Govt. of India has advised the banks to ensure issuance of RuPay ATM cum debit cards to 95% of the total eligible KCC holders by 31st Dec., 2016.

On reviewing the progress reports received from banks, out of 2058915 eligible KCC holders banks have issued only 497730 Rupay


ATM cum debit cards upto Dec., 2016 i.e.24%.

It has been observed that HARCO Bank has maximum KCC holders i.e. 1316152 but they have issued only 100 Rupay Debit cum ATM Cards. Member banks were requested to issue Rupay Cards to remaining eligible KCC holders expeditiously before 31st March, 17.

ACTION:ALL BANKS/SLBC/LDMs

AGEND ITEM NO. 38.1

ALLOCATION OF TARGETS UNDER WEAVER CREDIT CARD SCHEME FOR THE FINANCIAL YEAR 2016-17

During discussions, Department of Industries and Commerce, Haryana was requested to allocate districtwise targets under Weaver Credit Card Scheme for the financial year 2016-17.

ACTION: ALL BANKS/LDM/NABARD/DEPTT. OF INDUSTRIESAGENDA ITEM NO. 40

CHARGING UNIFORM FEES BY BANKS FOR LEGAL OPINION

During the deliberations held in the meeting, Madam Kiran Lekha Walia, Financial Advisor, IF&CC, Haryana apprised that the matter relates to Agriculture Department, Govt. of Haryana and they have already taken up the matter with Agriculture Department.Sh. Jagraj Dandi, Joint Director, Agriculture & Farmers Welfare Department assured the house for taking favorable consideration in the matter.

ACTION:SLBC/DEPARTMENT OF AGRICULTURE, GOVT. OF HARYANA

IAGENDA ITEM NO. 41

YEARLY CALENDAR OF HOLDING SLBC MEETINGS

The House approved the yearly Calendar of holding SLBC meetings during the Calendar year 2017 as per the schedule given below:Sl. No Quarter for which

data is to be reviewed

Proposed date and day of holding SLBC meetings

140th SLBC March, 2017 15th May 2017 (Monday)141st SLBC June, 2017 11th August 2017 (Friday)


142nd SLBC Sept., 2017 14th November 2017 (Tuesday)143rd SLBC Dec., 2017 14th February 2018

(Wednesday)

Sh. Nirmal Chand, Regional Director, RBI Complimented Haryana Government and SLBC for holding SLBC meetings well within a prescribed period of 45 days from the end of each quarter.

The Controlling Heads of the Banks were requested to block the dates for ensuring participation in the SLBC meetings.

ACTION: ALL BANKS & STAKEHOLDERS OF SLBC

AGENDA ITEM NO. 42

APPOINTMENT OF INDEPENDENT DISTRICT COORDINATORS (DCOs) BY BANKS

During the deliberations held in 137th SLBC meeting, the Controlling heads of banks were requested to appoint a District Coordinator in each district and ensure submission of the details of their DCOs e.g. Name, Mobile Number and e-mail address etc. to SLBC Secretariat. Further, specific instructions may also be issued to the appointed DCOs to ensure submission of all types of data required by Lead District Manager’s Office i.e DCC/DLRC data, SLBC feedback reports, Progress under Pradhan Mantri Fasal Bima Yojana (PMFBY), PMJDY, PMSBY, PMJJBY, APY, PMMY and Stand Up India etc. within the specific timeframe enabling the LDMO to submit the same to SLBC Secretariat and other stakeholders. But till date of 139th SLBC meeting only the following banks have provided the list of their District Coordinators to SLBC Secretariat:-

1. Allahabad Bank 2. Bank of Baroda 3. Bank of Maharashtra 4.Canara Bank 5.Central Bank of India 6. Corporation Bank 7. Harco Bank 8. Indian Bank 9. Indian Overseas Bank 10. Oriental Bank of Commerce 11. Punjab & Sind Bank 12. State Bank of India 13. State Bank of Patiala 14.Sarva Haryana Gramin Bank 15. Syndicate Bank and 16. Union Bank of India 17. Vijaya Bank.

Controlling Heads of remaining banks were requested to ensure submission of details of DCOs of their bank to SLBC Secretariat immediately as DCO is an important link between a bank and the Lead District Manager. Minutes of 139th Meeting of SLBC Haryana held on 15.02.2017

Page 39

ACTION: ALL CONCERNED BANKS

VOTE OF THANKS

Dr. M.P. Singh, Chairman, Sarva Haryana Gramin Bank, expressed thanks for positive and healthy discussions held during the 139th SLBC Meeting and also thanked Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana for giving roadmap and strategy for achieving the goals by all the banks. He thanked all the dignitaries on the dais for providing valuable guidance and for spontaneous resolution of the related issues reviewed. He thanked bankers and Govt. Officials for their active deliberations in the meeting and also thanked the Media Persons for covering the deliberations of the meeting in their respective Electronic/Print Media.

LIST OF PARTICIPANTS OF 139th MEETING OF SLBC HARYANA HELD ON 15.02.2017

S.NO S/SHRI/SMT. DESIGNATION INSTITUTIONCHIEF GUEST

1. P. Raghavendra Rao, IAS

Hon’ble Finance Minister

Govt. of Haryana

CHAIRMAN 2. Sh. Sanjiv Sharan Executive Director Punjab National Bank

SENIOR OFFICERS OF CENTRE/STATE GOVT.3. Sh. Sunil Saran, IES Director IF & CC, Haryana

RBI/NABARD/NATIONAL HOUSING BANK4. Nirmal Chand Regional Director RBI, Chandigarh5. Rachna Dixit GM RBI, Chandigarh6. B.B. Kalia AGM RBI, Chandigarh7. P.C. Chaudhri CGM NABARD, RO, Haryana8. Surender Singh DGM NABARD, RO, Haryana

CONVENER BANK9. Dr. B.M. Padha General Manager, Agri

Business & FI Div.PNB, HO


10. A.K. Dargan Zonal Manager, PNB & Convener, SLBC, Haryana

PNB

11. S.D. Sharma Chief Manager PNB12. Pradeep Goyal Sr. Manager PNB13. Ramesh Papneja Manager PNB14. V.K. Kamra Manager PNB15. Pawan Gera Dy. Manager PNB

COMMERCIAL BANKS16. Rajesh Mundra AGM Allahabad Bank 17. Mandeep Manager Allahabad Bank18. Shaik Hussain DGM Andhra Bank19. Kishor Kumar Manager (RD) Andhra Bank20. R.S. Maan DRM Bank of Baroda21. Rakesh Kumar

MahajanDZM Bank of India

22. Vinay Sharma Manager Bank of India23. Divesh Dinkar ZM Bank of Maharashtra24. Jagjit Singh DGM Canara Bank25. Suman Chahar AEO Canara Bank26. B.N. Jha DGM Central Bank of India27. Amritesh Parmarth Manager Central Bank of India28. H.S. Nagendra DGM Corporation Bank29. Priyabarta Panda SM (Agri) Corporation Bank30. Man Mohan Gupta DGM Dena Bank31. Nikhil Kumar Agri. Officer Dena Bank32. Sandeep Gupta DGM Indian Bank33. D.V. Ramana CRM Indian Overseas Bank34. Siddhartha Kumar DGM IDBI 35. Rajesh Sardana AGM Oriental Bank of Commerce36. Rajinder Singh SM Oriental Bank of Commerce37. Parveen Raghavendra DGM State Bank of India38. S.L. Malhotra Chief Manager State Bank of India39. Mukesh Kumar

MandawatDGM State Bank of Patiala

40. G.D Arya CM State Bank of Patiala41. Y.D Sharma CM State Bank of Bikaner & Jaipur42. Suresh K. Panda CM State Bank of Hyderabad43. H.C. Gupta DGM Punjab & Sind Bank44. M.L. Chawla DGM Syndicate Bank45. Vijay Singh Manager Syndicate Bank46. Niraj K. Sinha Manager State Bank of Mysore47. Neeraj Sharma CM UCO Bank


48. Lakhbir Singh AGM Union Bank of India49. Atul Dhiman Manager Union Bank of India50. Vivek Dixit AGM United Bank of India51. D.K. Mishra DGM Vijaya Bank52. Prahlad K. Jha SM Vijaya Bank53.

PRIVATE BANKS54. Gokulesh Suri Sr. Manager Axis Bank55. Neha Sharma Manager Catholic Syrian Bank56. Sunil Kumar AGM Federal Bank57. Sahil Joshi Manager Federal Bank58. Ashok Puri Dy. Vice President HDFC Bank59. Ranbir Singh Yadav Zonal Manager ICICI Bank60. Deepak Gupta Zonal Process Manager ICICI Bank61. Naresh Arora VP IndusInd Bank Ltd.62. Anil Kr. Handa Exe. Manager J&K Bank63. Jayaprakash Udupa Sr. Branch Manager Karnataka Bank64. Harjot Gill AVP Kotak Mahindra Bank Ltd.65. Vikas AM Kotak Mahindra Bank Ltd.66. Indira Manager South Indian Bank67. Dheeraj Kumar AM South Indian Bank

Tajeshwar Singh AVP Yes Bank Ltd.68. Anupreet Kaur Yes Bank Ltd.

COOPERATIVE BANKS69 Anupama Kohar DGM HARCO Bank70. Yeshvir Singh AM HARCO Bank

REGIONAL RURAL BANKS72. Dr. M.P. Singh Chairman Sarva Haryana Gramin Bank

CENTRAL/STATE GOVERNMENT DEPARTMENTS & OTHERS73. Kiran Lekha Walia Financial Advisor IF & CC, Haryana74. Suman Singh AGM SIBDI75. V.P. Tyagi Dy. Director UIDAI76. Robin Goel SM-F HUDCO77. Sanjiv Nakra JGM (A) HUDCO78. Sunil Kumar Asstt. Director MSMEDI Karnal79. Rachna Tripathi Asstt. Director MSMEDI Karnal80. S.S. Nijhar Sr. Horticulture Officer National Horticulture Board81. Jagraj Dandi Jt. Director Agriculture & Farmers’ Welfare

Deptt., Haryana82. Hardyal Sehrawat Additional Director Industries & commerce Deptt.,

Haryana83. Sandeep Wahi System Analyst Rural Development Deptt.84. Baleshwer PD. Asstt. Director KVIC


85. R.K. Shukla Dev. Officer KVIB86. Nain Singh AO Social Justice & Empowerment87. Sanjeev Verma Under Secretary Revenue & Disaster

Management Deptt88. Hardev Nehra Revenue & Disaster

Management Deptt89. Rajesh Deswal PM HARTRON90. Arun Bansal SA HARTRON91. NK Mittal Dy. Director Food & Civil Supply92. Manish Aggarwal GM(RM) CSC93. Durga Dass Garg ARO HSCFDC94. Dinesh Sharma A.M.D. SUDA (NULM)95. Dr. S.C. Anand SPM HSRLM96. A.K. Kakkar Nodal Executive PNBCRDT97. Gurmukh Singh AO Chief Post Master General

Office, Haryana (Ambala)98. Rashi Advani Dy. Manager NPCI99. Dr. Rajvir Bhardwaj Joint Director Planning Deptt., Haryana

100. Dr. J.S. Panghal Joint Director Planning Deptt., Haryana101. Anil Kumar Area Manager Bajaj Allianz GIC Ltd.102. Samuel Thomas Area Manager ICICI Lombard GIC Ltd.103. Mahavir Singh Area Manager Reliance General Insurance Co.

Ltd.

LEAD DISTRICT MANAGERS104. Avinash Kumar Dy. Manager Ambala105. Kuljeet Singh LDM Bhiwani106. I.M. Sharma LDM Faridabad(Syndicate Bank)107. S.R. Soni LDM Fatehabad108. R.C. Nayak LDM Gurgaon (Syndicate Bank)109. B.K. Dhingra LDM Hisar110. Leela Dhar Sharma LDM Jahjjar111. Mithilesh Kumar Jha LDM Jind112. T.K. Rana LDM Kaithal113. Rajinder Malhotra LDM Karnal114. P.K.Walia LDM Kurukshetra115. Rakesh Kumar

BhardwajLDM Mewat (Syndicate Bank)

116. S.D. Pathak LDM Narnaul117. S.D. Arya LDM Palwal (OBC)118. S. L. Paul LDM Panchkula119. Rakesh Verma LDM Panipat


120. S.S. Gupta LDM Rewari121. N.K. Bansal LDM Rohtak122. M.P. Sharma LDM Sirsa123. Narinder Sharma LDM Sonepat124. Vipin Sareen LDM Yamuna Nagar

***************


ABSENTEESS.NO. NAME OF BANK/ DEPARTMENT1. National Commission for SC/ST2. National Housing Bank3. Directorate of Marketing & Inspection4. CERSAI5. HCSARDB6. Rural Development & Panchayats Deptt.7. Welfare of SC and Backward Classes8. Horticulture Deptt.9. Haryana Backward Classes Kalyan Nigam10. Bhartiya Mahila Bank11. State Bank of Travancore12. Nainital Bank Ltd.13. Karur Vyasa Bank Ltd.14. Bandhan Bank

Documents

Meetings Haryana/Minutes of 139th … · Web viewAnil Kumar Area Manager Bajaj Allianz GIC Ltd. 102. Samuel Thomas Area Manager ICICI Lombard GIC Ltd. 103. Mahavir Singh Area Manager