State Level Bankers' CommiteeState Level Bankers’ Committee for West Bengal Executive Summary of Agenda 143 rd SLBC MEETING FOR QUARTERLY REVIEW OF SEPTEMBER’ 2018 89 /Date : 11.12

यनाइटड बक ऑफ़ इडया अणी बक भाग

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UNITED BANK OF INDIA LEAD BANK DIVISION HEAD OFFICE 11 HEMANTA BASU SARANI KOLKATA 700 001

State Level Bankersrsquo Committee for West Bengal

Executive Summary of Agenda

143rd SLBC MEETING FOR QUARTERLY REVIEW OF SEPTEMBERrsquo 2018

8दनाकDate 11122018 थान कोलकाता

समय Time 1130 AM Venue Kolkata

Agenda items listed for 143rd SLBC meeting on 11-12-2018

1) Confirmation of the minutes of the 142nd SLBC meeting

2) Action Taken Report on the resolutions of the 142nd SLBC meeting

3) Opening of Banking Outlets in the Unbanked Rural Centers

4) Data Management System as per Revamped Lead Bank Scheme

5) CD Ratio amp review of districts with less than 40 CD ratio

6) Review of Credit Disbursement under ACP amp PRISEC

7) Progress in KCC amp PMFBY coverage

8) Identification of uncovered borrowers and doubling of farmersrsquo income by 2022

9) Progress in SHG-NRLM NULM amp Intt Subsidy claim

10) Progress in Housing amp Education Loan

11) Export Credit

12) Review of credit deployment in MSME

13) MSME Clusters amp Specialized branches

14) Review of MUDRA loans SUI loans

15) Strengthening of Eco-system for MSME

16) Review of NPA position amp review of Certificate Cases SARFAESI Cases DM

Permission

17) Financial Literacy Camps amp Awareness Drive

18) Functioning of RSETIs

19) Calendar of meetings by LDM amp Unresolved issues related to DCCDLRCetc

20) Miscellaneous

EXECUTIVE SUMMARY OF AGENDA OF 143rd SLBC

AGENDA- 1 CONFIRMATION OF PROCEEDINGS OF THE 142nd SLBC MEETING

The proceedings and action points of 142nd SLBC Meeting for West Bengal held in

Kolkata on 10th September 2018 was circulated under cover of Convener Bankrsquos letter

to the members on 01-10-2018 The same may please be confirmed by the House

AGENDA- 2 ACTION POINTS EMERGED IN THE LAST SLBC (142nd) MEETING

OF WEST BENGAL HELD ON 10092018

In the last SLBC (142ndt) meeting of West Bengal held on 10092018 where agenda

items were discussed at length in presence of the Honrsquoble Finance Minister GoWB

The following major action points emerged in the meeting for implementation

Sl Action Points Action taken for compliance

1 Five districts including Jalpaiguri are lagging

behind with CD ratio at below 40 Fruitful action

plan for achieving CD ratio above 40 must be

implemented with all out efforts with active

involvement of all the stake holders including

development agencies for reaching out to

prospective beneficiaries is to be implemented

(Action All member Banks and LDMs of Birbhum

Howrah Hooghly 24 Parganas (North) and

Jalpaiguri districts)

Howrah amp Birbhum has attained 40 CD Ratio while improvement has been observed in the 3 other districts

CD Ratio has increased to 3773 3615 amp 3223 for Hooghly Jalpaiguri amp 24 Paraganas (North) district respectively It is expected that these 3 remaining districts will be able to achieve the desired result by 31-03-2019

2 Completion of survey of 284 URCs (Unbanked

Rural Centers) by the LDMs is to be ensured in

time for enabling SLBC to take a decision on

opening of B amp M branch or Banking Outlet in

eligible URCs

(Action All LDMs and SLBC West Bengal)

Survey has been completed As per survey

72 Unbanked Rural Centres have been

identified where banking facilities are not

available within a distance of 5 KM from the

centres These 72 centres have since been

allocated among the banks on 05-11-2018

for opening Banking Outlets by 31-12-

3 Facilitating implementation of IFMS based

transfer of subsidy to SHGs under WBSSP

implemented by WBSCL and soliciting assistance

from member banks in collection amp seeding of

mobile numbers of SHG members in the CBS

system by providing requisite information of

unseeded SHGs to district authorities

All the member banks have been advised to complete the process by Dec2018 As suggested by SHG amp SE Deptt the banks are to forward the list of SHGs where mobile numbers are unavailable to the respective District Magistrate Office for onward collection and subsequent seeding in the system

4 Speedy implementation of Block level MIS

generated Data Management System stipulated

under Revamped Lead Bank Scheme

(Action All Member Banks and SLBC West

Bengal)

SLBC has conducted User Application Test

on 31-10-2018 with completion of the

process of mapping of the Blocks amp

Municipals in the system The portal will be

made live for uploading of data by member

banks from December 2018 quarter

onwards

All the member banks are to complete the

process of block wise mapping of branches

in system by December18

5 Need for augmentation of Investment Credit under

agriculture along with Production Credit in the

(Action All Member Banks)

Member banks are to attend to the issue

with focus on farm mechanization dairy

farming agro-processing units etc

6 Bankers-Stake-holders workshop on export credit

to be held for augmenting the flow of export credit

in the State

(Action All member Banks SLBC West Bengal

and MSME amp T Department GoWB)

One workshop with support from MSME amp

T Deptt GoWB EXIM Bank ECGC

EEPC and FIEO covering the member

banks and a few entrepreneurs was

conducted on 16-11-18 at Staff Training

College UBIAs suggested by ACS

MSME amp T GoWB a brainstorming

session on exports will be held by

December2018

7 A special meeting with all member Banks

WBSRLM and SHG amp SE Department and other

stake holders shall be convened to sort out

different issues relating to credit flow to boost

SHG movement in the State

(Action SLBCWest Bengal WBSRLM amp SHG amp

SE Department GoWB)

The special meeting was held on 11-10-

2018 with all the participating banks under

NRLM Important decisions regarding

ratification of revised subsidy claim format

clearance of back-log of interest subsidy

disposal of SVSKP proposals were taken

AGENDA- 3 DISCUSSION ON OPENING OF BANK OUTLETS

IN UNBANKED RURAL CENTRES

It has been an endeavor on the part of Government as well as RBI for covering all the

villages under banking services for an inclusive growth With the evolvement of Bank

Mitra model as a Last Mile facilitator in providing the basic banking services to the people

in remote areas all the Bank Mitras are now engaged in opening of bank accounts

acceptance of deposit remittance of fund on real time basis besides being involved in

micro credit scouting of KCC loans amp formationcredit linkage of Joint Liability Groups

On last count more than 12000 Bank Mitras are reportedly operating in the State

throughout the GPs across the State and are eligible to be considered as banking Outlet

as such in terms of extant guidelines This has come as a major relief to the Banks in

view of the operational and infrastructural inconveniences associated with opening and

maintaining a Brick amp Mortar branch However it will be an endeavour on the part of the

SLBC to provide banking facilities and bring all the population within the banking system

in the State and will act on any suggestion received from Govt authorities from time to

time regarding opening of outlets

During the Extended Gram Swaraj Abhiyan SLBC was informed by DFS for furnishing

information of availability of banking facility in 284 villages located in distant areas

However during the SLBC Steering Committee meeting on 23-08-2018 SLBC raised the

issue regarding the need for having a relook in this regard with undertaking of a

comprehensive survey of the villages with requisite information The concerned Lead

District Managers were entrusted with the task of completing the survey and report to

SLBC for necessary action

The survey has since been completed and it was gathered that there are 72 such centres where no banking facility are available within a distance of 5 KM Accordingly it has been decided to open Banking Outlets in these centres on urgent basis SLBC has finalized the process and allocated these 72 centres among the member banks for opening of the Banking Outlets accordingly The matter was also informed to Department of Financial Services with a request to allow the banks to complete the task latest by 31-12-2018 Information in this regard has also been shared with Govt of West Bengal for further ratification

NAME OF THE

DISTRICT

Name of Sub-District

VILLAGE NAME POPULATION

(AS PER 2011 CENSUS)

Brick amp Mortar Branch proposed

(Name of the Bank)

1 Bankura Ranibundh Dhanara 2170 Punjab National Bank

2 Bankura Ranibundh Satnala 1214 Bank of Baroda

3 Bankura Taldangra Narattampur 2245 Bank of Baroda

4 Bankura Chhatna Asurabad 694 State Bank of India

5 Bankura Chhatna Jorthol 1219 State Bank of India

6 Bankura Hirbandh Salapahari 1300 Bangiya Gramin Vikash Bank

7 Bankura Ranibundh Narkoli 1035 Punjab National Bank

8 Bankura Raipur Susunia 1044 Bangiya Gramin Vikash Bank

9 Bankura Ranibundh Kulam 1204 Allahabad Bank

10 Bankura Ranibundh Tung Charar 1617 Bangiya Gramin Vikash Bank

11 Bankura Barjora Dhengakend 223 Bangiya Gramin Vikash Bank

12 Bankura Raipur Karambera 598 Bangiya Gramin Vikash Bank

13 Bankura Ranibundh Benkakocha 585 Al lahabad Bank

14 Bankura Ranibundh Chura Pathar 692 Bangiya Gramin Vikash Bank

15 Bankura Ranibundh Haramgara 692 Punjab National Bank

16 Bankura Ranibundh Bagdubi 515 Punjab National Bank

17 Bankura Taldangra Bhutamamaheshpur 568 Bangiya Gramin Vikash Bank

18 Birbhum Rajnagar Kuralmatia 583 Bandhan Bank

19 Birbhum Rajnagar Jaypur 616 State Bank of India

20 Birbhum Rajnagar Talpukur 598 United Bank of Indi a

21 Birbhum Rajnagar Madarpur 606 State Bank of India

22 Coochbehar Mekhliganj Jhar Singheswar 91 Uttar Banga Kshetriya Gramin Bank

23 Dakshin Dinajpur Tapan Katrail 1118 State Bank of India

24 Dakshin Dinajpur Tapan Pachim Nimpur 453 State Bank of India

25 Dakshin Dinajpur Tapan Ahera 317 State Bank of India

26 Dakshin Dinajpur Tapan Kamdebbati 698 State Bank of India

27 Ja lpa iguri AlipurduarKalchini Rangamati TE 9987 State Bank of India

28 Jalpaiguri AlipurduarKalchini Buxa Hill Forest 2889 Bandhan Bank

29 Jalpaiguri AlipurduarMadarihat Ballaguri 1746 HDFC Bank

30 Jalpaiguri Rajganj Junglee Mohal 21408 State Bank of India

31 Jalpaiguri AlipurduarKalchini Buxa forest (Panbari

Khanda)

861 UCO Bank

32 Jalpaiguri Nagrakata Jiti Tea Garden 5588 State Bank of India

33 Jalpaiguri Nagrakata Hope Tea Garden 4076 State Bank of India

34Kalimpong Pankhasari Khasmahal Lower amp Upper Ambiok 1029 Central Bank of India

35 Kalimpong Pankhasari Khasmahal Kuwapani amp Maipatey 488 Central Bank of India

36 Kalimpong Pankhasari Khasmahal Kalikhola 584 Central Bank of India

37Kalimpong Pankhasari Khasmahal Sherpa Gaon amp Sherpa

655 Central Bank of India

38 Kalimpong Pankhasari Khasmahal Phaperkheti 573 Central Bank of India

39 Kalimpong Pankhasari Forest Badeuy amp Pankhasari 709 Central Bank of India

40 Kalimpong Nim Khasmahal Samabeong 884 Central Bank of India

41 Kalimpong Nim Khasmahal Kolbong 724 Central Bank of India

42 Paschim Bardhaman Faridpur Durgapur Kalinagar 535 State Bank of India

43 Paschim Bardhaman Faridpur Durgapur Kendula 250 State Bank of India

44 Paschim Bardhaman Faridpur Durgapur Gopendanga 536 State Bank of India

45 Paschim Bardhaman Kanksa Phuljhuri 608 Bandhan Bank

46 Purulia Puncha Gholkund 1566 State Bank of India

47 Purulia Kashipur Manihara 3104 Bangiya Gramin Vikash Bank

48 Purulia Bundwan Sirka 1072 United Bank of India

49 Purulia Bundwan Kantagora 737 Bandhan Bank

50 Purulia Manbazar-II Kendajor 1036 Bank of Baroda

51 Purulia Barabazar Taldih Als Nabudih Maisadabar 1137 United Bank of Indi a

52 Purulia Arsha Gayalikocha 673 United Bank of Indi a

53 Purulia Arsha Ghatiali 329 United Bank of Indi a

54 Purulia Arsha Sitarampur 310 United Bank of Indi a

55 Purulia Arsha Kanriyardih 118 United Bank of Indi a

56 Purulia Arsha Bhuiyadih 274 United Bank of Indi a

57 Purulia Arsha Parsiya 215 United Bank of Indi a

58 Purulia Bagmundi Shilingda 369 United Bank of Indi a

59 Purulia Bagmundi Ushuldungri 467 United Bank of Indi a

60 Purulia Bagmundi Edelbera Alias Simulbera 312 United Bank of Indi a

61 Purulia Manbazar-I Kelyardi 949 United Bank of Indi a

62 Purulia Manbazar-I Parashya 319 United Bank of Indi a

63 Purulia Manbazar-I Nagdagora 602 United Bank of Indi a

64 Purulia Manbazar-I Jamda 712 United Bank of Indi a

65 Purulia Manbazar-II Dhadkidi Alias Chirka 628 Bank of Baroda

66 Purulia Manbazar-II Danrika Doba 908 Bank of Baroda

67 South 24 Parganas Sagar Gangasagar 10340 Bandhan Bank

68 South 24 Parganas Sagar Sibpur 9344 State Bank of India

69 South 24 Parganas Namkhana Patibania 6987 Punjab National Bank

70 South 24 Parganas Namkhana Baliara 8672 Canara Bank

71 South 24 Parganas Namkhana Shibpur 6269 Bandhan Bank

72 South 24 Parganas Sagar Beguakhali 5683 Bangiya Gramin Vikash Bank

Allocation of URCs by SLBC West Bengal Dated 31-10-2018

AGENDA- 4 PROGRESS ON DATA MANAGEMENT SYSTEM AS PER

REVAMPED LEAD BANK SCHEME

Objective To enable SLBC to function effectively as a data aggregation platform with evolving of a standardized system of uploaddownload of data (pertaining to Block District amp State) with minimum level of manual intervention Basic features are

bull Data is to be uploaded by all the participating banks and should include unique District and Block namescodes in line with the Census codes for identification of DistrictBlock

bull SLBC will have the uploadimport function for aggregating the State data along with District amp Block data in Excel format only

bull As per RBI guidelines LDMs would have access to SLBC website to download the data related to respective districts and blocks

bull As suggested by RBI the SLBC will develop the website so as to make it enabled for data analysis capability

In the previous meetings of the SLBC Sub Committee on Data Management System it was decided that 1) All the member banks would arrange for mapping of the branches on BlockSub-

District basis in their respective systems as per RBI directives

2) The local offices of the banks should take up the matter with their controlling offices for necessary modification in the system accordingly

3) SLBC to develop the website at the earliest for reporting by the branches Present status SLBC has developed the module and the UAT (User Application Test) was conducted on 31-10-2018 with support from UCO Bank amp Allahabad Bank Glitches regarding the LBSII amp LBSIII report were detected and are being rectified Also for areas under Municipal Corporation the codes as available with Local Govt Directory have been incorporated SLBC proposes to make the portal live during the last part of Decemberrsquo 2018 Action points for member banks

All the member banks must ensure mapping of the branches on block basis

(As the uploading will be as per block position)

For Decemberrsquo 2018 quarter only both manual amp online reporting will be allowed

Due care is to be taken for incorporating correct data in the portal and any data

cleaning exercise must be taken up by banks accordingly

AGENDA- 5 CD RATIO AND REVIEW OF DISTRICTS WITH CD RATIO

BELOW 40

CD Ratio of the State stood at 6412 as on 30092018 whereas it was 6397 on

30-06-2018For calculation of CD Ratio of the State as on 30th September 2018 the RBI

guidelines is followed which is furnished below

(Amt Rs in crore)

Total Deposit (A) 754218 Total Advance utilized in the State (B=C+D) 475183 Out of which outstanding of credit sanctioned from the State (C ) 423049 Credit sanctioned from outside State but utilized in West Bengal (D)

RIDF Support (E) 8419 Total Advance to be reckoned (F=B+E) 483602 CD Ratio (F100 A) 6412

It is heartening to note that since June 2018 Howrah and Birbhum district have moved

ahead and crossed the 40 CD Ratio level In the remaining three (3) districts of

Hooghly Jalpaiguri amp 24 Parganas (North) where CD Ratio is below 40 the Sub-

Committees of DCC on CD Ratio would function actively and draw action plan for

improving the CD ratio within short time

CD Ratio on Howrah Birbhum Hooghly Jalpaiguri 24 Parganas(N)

30-06-2018 3843 3541 2588 2656 2227

30-09-2018 4154 4274 3773 3615 3223

CD ratio of all the mentioned three (3) districts have improved a lot from June

2018 level Big ticket recovery in NPA amp NCLT recovery limited credit

expansion due to PCA by RBI on some of the bankers as well as institutional

deposit are the contributing factors in these districts

SLBC desk is taking proactive steps by way of regular follow up with the LDMs of the

three districts to overcome the threats to increase the CD ratio beyond 40 From the

recent trend observed in the last quarter it is expected that the remaining three (3)

districts would be able to achieve the target of 40 by March 2019

Bank wise and District wise CD Ratio of West Bengal as on 30062018 is annexed

Sl Banks Deposit Advance Credit DepositInvestment Credit+Investment

No (Rsin lac) (Rsin lac) Ratio () (Rsin lac) Deposit Ratio ()

(1) (2) (3) (4) (5) (6) (7)

1 Allahabad Bank 505781447 236534141 4677 257392573 9766

2 Andhra Bank 63482277 47753800 7522 000 7522

3 Bank of Baroda 235780000 142310000 6036 000 6036

4 Bank of India 316275600 144640100 4573 000 4573

5 Bank of Maharshtra 21024500 18982900 9029 000 9029

6 Canara Bank 151730819 81149694 5348 000 5348

7 Central Bank of India 221859946 90963033 4100 000 4100

8 Corporation Bank 65133758 58617424 9000 000 9000

9 Dena Bank 28708900 25752600 8970 000 8970

10 Indian Bank 96307423 38067800 3953 000 3953

11 Indian Overseas Bank 148733300 79991793 5378 000 5378

12 Oreintal Bank of Commerce 92813200 87418400 9419 000 9419

13 Punjab National Bank 271420000 162650000 5993 000 5993

14 Punjab amp Sind Bank 40244600 34491900 8571 000 8571

15 Syndicate Bank 78732200 74620800 9478 000 9478

16 State Bank of India 1840811200 726446900 3946 199740071 5031

17 Union Bank of India 175829000 109289869 6216 000 6216

18 United Bank of India 819950600 390762400 4766 249538525 7809

19 UCO Bank 360760000 137240000 3804 285932700 11730

20 Vijaya Bank 48100641 37237425 7742 000 7742

21 IDBI Bank 164343830 70556702 4293 000 4293

A Sub-Total 5747823241 2795477681 4864 992603869 6590

22 HDFC Bank 327768540 236739522 7223 000 7223

23 AXIS Bank Ltd(UTI) 337931506 208006513 6155 1540826 6201

24 ICICI Bank 273105831 245069288 8973 000 8973

25 Kotak Mahindra Bank Ltd 55731432 47224221 8474 000 8474

26 Federal Bank 30031677 23816730 7931 000 7931

27 Indusind Bank 41842570 101176114 24180 000 24180

28 SIDBI 000 6052123 000 000 000

29 Bandhan Bank 154950700 149663500 9659 89275413 15420

30 Ratnakar Bank Ltd 24653500 70249200 28495 000 28495

31 South Indian Bank 10726600 17856600 16647 000 16647

32 Tamilnad Mercantile Bank 6513077 1720486 2642 000 2642

33 Utkarsh Small Finance Bank 247900 442300 17842 000 17842

34 Ujjivan Small Finance Bank 946995 10042836 106050 000 106050

35 Yes Bank 68458000 64756300 9459 000 9459

36 IDFC Bank 3619481 17270750 47716 000 47716

37 Jana Small Finance Bank Ltd 254356 4637476 182322 000 182322

B Sub-Total 1336782165 1204723959 9012 90816239 9691

(A+B) Total 7084605406 4000201640 5646 1083420108 7176

38 BGVB (UBI) 144534140 55966841 3872 89973325 10097

39 PBGB (UCO) 49306200 24639300 4997 16008700 8244

40 UBKGB 29514700 15329500 5194 000 5194

C RRBs Total 223355040 95935641 4295 105982025 9040

D WB St Co-opBk 223991700 129406754 5777 124474112 11334

E WBSCARD Bank Ltd 10232200 4952500 4840 931273 5750

7542184346 4230496535 5609 1314807518 7352

521331200

84194636

4836022371

6150829889

West Bengal

BANK-WISE CREDIT amp INVESTMENT DEPOSIT RATIO (C+I)D RATIO AS ON SEPTEMBER 2018

(Amtin Rs Lac)

Grand Total (A+B+C+D+E)

Amount sanctioned from outside State but fund

utilised in the State of West Bengal

COMMERCIAL BANKS

OTHER BANKS

REGIONAL RURAL BANKS

RIDF Support

Total Credit in the State

Credit Deposit Ratio

Total Credit + Investment

Total Credit + Investment Deposit Ratio

1 24 Pgs (South) UBI 41 2558589 1129753 4416

2 24Pgs(North) AB 22 11487553 3702351 3223

3 Alipurduar CBI 41 445242 191258 4296

4 Bankura UBI 40 965423 412836 4276

5 Birbhum UCO 37 1212273 518078 4274

6 Cooch Behar CBI 65 877285 372813 4250

7 Dakshin Dinajpur UBI 55 428533 200218 4672

8 Darjeeling CBI 48 1707375 738958 4328

9 Hooghly UCO 23 3554823 1341321 3773

10 Howrah UCO 38 2991213 1242531 4154

11 Jalpaiguri CBI 43 1378952 498525 3615

12 Jhargram UBI 93 363989 159563 4384

13 Kalimpong SBI 37 107848 43360 4020

14 Kolkata Metro SBI 89 31246916 25106366 8035

15 Malda UBI 51 951221 415618 4369

16 Murshidabad UBI 50 1296472 532919 4111

17 Nadia UBI 45 2472153 1022519 4136

18 Paschim Burdwan UCO 41 3092256 1287966 4165

19 Paschim Medinipur UBI 40 2061398 845213 4100

20 Purba Burdwan UCO 40 2496171 1026035 4110

21 Purba Medinipur UBI 43 2175266 898653 4131

22 Purulia UBI 43 878536 336181 3827

23 Uttar Dinajpur UBI 57 672356 281930 4193

CD Ratio 60 75421843 42304965 5609

841946

48360223

District Wise CD Ratio of West Bengal as on 30092018

S No Name of DistrictLead

CD Ratio as on

Sept 2017

CD Ratio Sept 2018

(Amount in Rs crore)

Deposit Advance CD Ratio as on

Sept 2018

5213312

RIDF Support

Total Advances in the State

Amount sanctioned from outside State but

fund utilised in the State of West Bengal

AGENDA- 6 REVIEW OF CREDIT DISBURSEMENT

Achievement upto September 2018 under ACP 2018-19 and PRISEC All the banks operating in the State put together disbursed Rs 5464100 crore ie

37 of the Annual Target for Rs 14646100 crore during the period April to

September of the financial year 2018-19

While achievement under Agriculture sector is 37 the achievement in MSME and OPS are 41 of the ACP Targets respectively as on 30092018 While the volume has increased on absolute terms the percentage has slowed down mainly due to lesser credit off take in Other Prisec amp Non-Prisec component in July-Sept 2018 quarter in comparison to the previous quarter A comparative position of achievement in disbursement under ACP 2018-19 as on 30092018 with the corresponding period of last 2 years is as under

(Amt Rs in crore)

Comparison of quarterly progress in 2018-19

Sectors

2016-17

2017-18

2018-19

Yearly

Target

Yearly

Target

Yearly

Target

Agriculture 52551 16767 32 59098 17866 30 64071 23391 37

MSEMSME 26000 16593 64 38000 17913 47 50000 20287 41

OPS 9315 7171 77 11191 7795 69 15890 6418 41

Prisec 87866 40531 46 108289 43574 40 129961 50096 39

Non-Prisec 9000 10080 112 11250 8122 72 16500 4545 28

Total 96866 50611 52 119539 51696 43 146461 54641 37

Sector Disbursement during

April-June2018 quarter

Disbursement during

July-Sept2018 quarter

Total disbursement

in 2018-19

Agriculture 11846 11545 23391

MSEMSME 10217 10070 20287

OPS 4562 1856 6418

Prisec 26625 23471 50096

Non-Prisec 3552 993 4545

Total 30177 24464 54641

Achievement of Achievement of

(April-Sept) Achivement (April- Sept) Achivement

1 Allahabad Bank 413687 142224 3438 439593 218662 4974

2 Andhra Bank 30239 8116 2684 30244 5772 1908

3 Bank of Baroda 110582 43416 3926 115637 152272 13168

4 Bank of India 258012 50255 1948 274014 68778 2510

5 Bank of Maharashtra 8813 1676 1902 8642 15101 17474

6 Canara Bank 223843 21856 976 240898 130656 5424

7 Central Bank of India 244926 5263 2149 27082 55469 2048

8 Corporation Bank 30666 4116 1342 31393 5768 1837

9 Dena Bank 24676 3167 1283 25473 3554 1395

10 Indian Bank 41363 9056 2189 44291 14902 3365

11 Indian Overseas Bank 87822 9659 1100 91827 13638 1485

12 Oriental Bank of Commerce 68499 8174 1193 71833 8843 1231

13 Punjab National Bank 219398 50658 2309 225336 237867 10556

14 Punajb amp Sind Bank 10238 1284 1254 12773 24806 19421

15 Syndicate Bank 76793 14029 1827 79674 17645 2215

16 State Bank of India 927946 445647 4803 911455 454396 4985

17 Union Bank of India 121102 21442 1771 128037 29010 2266

18 United Bank of India 706391 15602 2209 641729 158952 2477

19 UCO Bank 264997 71416 2695 27676 49129 1775

20 Vijaya Bank 15974 5924 3709 18285 5660 3095

21 IDBI Bank Ltd 65501 33542 5121 70717 28517 4033

Sub-Total of PSU Banks 3951468 1154307 4009431 1699395 4238

22 HDFC Bank 88985 107576 12089 283523 128107 4518

23 AXIS Bank Ltd(UTI) 104683 11443 1093 277101 20131 726

24 ICICI Bank 77851 23177 2977 277101 18876 681

25 Kotak Mahindra Bank Ltd 0 0 DIV0 0 10116 DIV0

26 Federal Bank 28498 163 057 58021 11735 2023

27 Indusind Bank 0 286 DIV0 58021 12621 2175

28 Bandhan Bank 301431 227514 7548 662496 171289 2586

29 Ratnakar Bank Ltd 0 4960 DIV0 65407 5541 847

30 South Indian Bank 0 2686 DIV0 4068 3085 7583

31 Tamilnadu Mercantile Bank 0 0 DIV0 0 010 DIV0

32 Utkarsh Small Finance Bank 0 0 DIV0 0 6940 DIV0

33 Ujjivan Small Finance Bank 0 0 DIV0 0 6047 DIV0

34 Yes Bank 0 26889 DIV0 0 20422 DIV0

35 IDFC Bank 0 0 DIV0 0 000 DIV0

36 Jana Small Finance Bank Ltd 0 0 DIV0 0 008 DIV0

Sub-Total of Pvt Banks 601448 407268 1685738 414928 2461

37 BGVB (UBI) 607791 38458 633 89391 44264 4952

38 PBGB (UCO) 167395 12659 756 65228 15372 2357

39 UBKGB 111614 11222 1005 53591 10175 1899

RRBs Total 8868 62339 208210 69811 3353

Total of Scheduled Comm Bank 5439716 1623914 5903379 2184134 3700

40 WB St Co-opBk 370761 145155 3915 407087 132313 3250

41 WBSCARD Bank Ltd 86734 20111 2319 96635 22728 2352

42 WBFC 12566 0 000 0 000 DIV0

Total of Co-optv Banks 470061 165266 503722 155041 3078

43 SIDBI 0 0 DIV0 0 000 DIV0

Grand Total 5909777 178918 3027 6407101 2339175 3651

Bank - wise Targets and Achievement in Agriculture for 2018-19

for the State of West Bengal under ACP 2018 -19 as on September 2018(Rsin crore)

SlNo Name of Bank

AGRICULTURE

2017 -18 2018 -19

Target Target

Agenda-7 Progress in Kisan Credit Card (KCC) and

Pradhan Mantri Fasal Bima Yojana (PMFBY) coverage

KCC In continuation of the previous SLBC (141st) meeting of West Bengal held on 19-

062018 it was decided to cover all eligible farmers of the State under KCC Agriculture

Dept GoWB was requested to identify left over farmers so that desirable target can be

achieved within 31032019 With Rabi 2018 season in full swing it is expected that the

banks need to cover a lot of ground in this regard With renewal cases with enhancement

as per revised guidelines on KCC taking place regularly there is an urgent need to add

new farmers into the fold More concerted effort is required with full support from

Agriculture Department to identify the left out farmers

Performance of KCCs for last 4 years is furnished below

Target amp Achievement under Kisan Credit Card in the State of West Bengal

(In numbers)

Year Target (No) Achievement (No) of Achievement

2014-15 1000000 1731395 173

2015-16 2000000 1753590 88

2016-17 1700000 1634533 96

2017-18 1700000 1989626 117

Progress in 2018-19 (including issuance against renewal cases) Target Issued upto June2018 Issued upto Sept2018 of yearly

achievement 2000000 765246 962418 4812

All the banks operating in the State have issued 962418 KCCs during the period April to September 2018 of FY 2018-19 ie 48 of annual target of 2000 lac Total financial outlay for KCC stood at Rs490984 crore as on 30092018 which account for 45 of the farm credit Average per ticket KCC disbursement of Rs50427- as on 30062018 has also increased to Rs51016- on 30-09-2018 Average credit per KCC of all the banks excluding West Bengal State Co-operative Bank is Rs76337- while the average credit per KCC of West Bengal State Co-operative Bank is Rs22610- It is observed that average disbursement per KCC increased from Rs41955- on 30-09-2017 to Rs51016- as on 30-09-2018 In West Bengal 81 of farmers belong to marginal farmerrsquos category while 14 belongs

to small farmerrsquos category The average ticket size has been worked out in line with the

Small Farmers and Marginal Farmers composition mix accordingly

Target Issued

No No Amt (No) in

Public Sector Banks

1 Allahabad Bank 71000 8803 581590 1240

2 Andhra Bank 600 33 1918 550

3 Bank of Baroda 7000 4464 369682 6377

4 Bank of India 53000 40113 1921100 7568

5 Bank of Maharashtra 500 272 15100 5440

6 Canara Bank 9400 7414 351257 7887

7 Central Bank of India 41000 9456 649993 2306

8 Corporation Bank 900 85 5519 944

9 Dena Bank 900 75 4200 833

10 Indian Bank 9400 625 41258 665

11 Indian Overseas Bank 7000 5455 283106 7793

12 Oriental Bank of Commerce 7000 1067 71206 1524

13 Punjab National Bank 21000 25564 1892800 12173

14 Punjab amp Sind Bank 900 625 58936 6944

15 Syndicate Bank 7000 1697 117800 2424

16 State Bank of India 87000 59830 5460300 6877

17 Union Bank of India 17600 626 46819 356

18 United Bank of India 76500 46020 2681620 6016

19 UCO Bank 65000 9220 569000 1418

20 Vijaya Bank 1100 110 6918 1000

21 IDBI Bank 4700 4124 307304 8774

A Total 488500 225678 15437426 4620

22 HDFC Bank 7000 51831 2440697 74044

23 ICICI Bank 7000 1579 192465 2256

24 AXIS Bank (UTI) 3000 37252 1980802 124173

25 Federal Bank 300 378 56786 12600

26 Bandhan Bank 28000 170923 17312953 61044

26 Yes Bank 0 0 000 DIV0

B Total 45300 261963 21983703 57828

(A+B) Total of CommBks 533800 487641 37421129 9135

27 BGVB (UBI) 47000 7126 110186 1516

28 PBGB (UCO) 41000 9317 819055 2272

29 UBKGB 24000 4751 492710 1980

C RRBs Total 112000 21194 1421951 1892

D WB St Co-opBk 1353000 453583 10255417 3352

E WBSCARD Bank Ltd 1200 0 0 000

Grand Total (A+B+C+D+E) 2000000 962418 49098497 4812

Private Sector Banks

Regional Rural Banks

BankS No

West Bengal

Bank wise Disbursement under Kisan Credit Card (2018-19)

(Position from 01042018- 30092018)

(Rsin lac)

Achievement

S No Name of District No Amount (Rs In Lakh)

1 Alipurduar 4569 274882

2 Bankura 239242 19356823

3 Birbhum 146987 4963212

4 Coochbehar 28962 1316323

5 Dakshin Dinajpur 19224 953617

6 Darjeeling 3955 176523

7 Hooghly 56512 2281756

8 Howrah 31256 1434921

9 Jalpaiguri 19321 789632

10 Jhargram 2021 92356

11 Kalimpong 1123 45978

12 Malda 19568 837754

13 Murshidabad 32174 1596312

14 Nadia 33458 1438219

15 North 24 Pargana 31573 1398963

16 Paschim Burdwan 49871 1736289

17 Paschim Medinipur 75189 2327219

18 Purba Burdwan 23563 1005623

19 Purba Medinipur 67526 2744213

20 Purulia 15896 789356

21 South 24 Pargana 33537 1742256

22 Uttar Dinajpur 26891 179627

Grand Total 962418 49098497

West Bengal

District Wise Disbursement Position of KCC as on 30092018

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana was first launched in 2016 and has since been

covering both the loanee and non-loanee farmers It has proved to be highly beneficial to

the farmers in view of recurrent natural calamities Govt of West Bengal has contributed

immensely to the cause of the farmers by waving 100 of farmer share of insurance

premium for looking up the agricultural growth

All the Banks operating in the State covered 1860623 no of loanee farmers and 5786

no of non-loanee farmers during Kharif 2018 this year The coverage under Pradhan

Mantri Fasal Bima Yojana declined by 469 in case of loanee farmers and 9720 in

case of non-loanee farmers during Kharif 2018 in comparison to the previous year

Yearly comparison

Loanee farmers (No) Non-Loanee Farmers (No)

Kharif 2017 Kharif 2018 Kharif 2017 Kharif 2018 1523539 1860623 87925 5786

Quarterly progress in 2018-19

Loanee farmers (No) Non-Loanee Farmers (No) Kharif June 2018 Kharif Sept 2018 Kharif June 2018 Kharif Sept 2018

1451940 1860623 2457 5786

The non-renewal in case of non-loanee farmers is to be addressed properly as in case any eventualities the farmers will be adversely impacted An awareness drive with involvement of Agriculture Department in this regard with an attempt to bring them under the fold of bank credit will benefit all concerned It is also been reported that settlement of insurance claim of previous seasons have not been settled in a few cases SLBC has intervened in this regard and the Insurance Companies are requested to share relevant and specific requirement in this regard at an early date for remittance of the settled amount to the concerned branches

Agenda-8 Doubling of Farmersrsquo Income by 2022

The State of West Bengal is endowed with rich natural agricultural resources and has

diverse agro-climatic conditions which offer unique opportunities for cultivation of various

crops livestock rearing pisciculture horticulture Immense potential for increasing

agricultural production in the state which may also favourably impact food security at

national level The vision of lsquoDoubling Farmersrsquo income by 2022rsquo is thus possible and can

be achieved in the state by ensuring farmersrsquo access to skills technologies markets and

financial services through strategic planning and co-ordination of all concerned in the

Going forward the following action points are flagged off for necessary action

1) Out of total 52 lakh (approx) farmers having own cultivable land in the State 39 lakh (approx) farmers has already been covered under KCC and the remaining uncovered 13 lakh farmers to be brought under institutional credit system in a mission mode 2) Increasing the KCC coverage and thereby protecting the poor farmers from unorganized sector lending at higher interest rate by bringing them under institutional lending system 3)Proper entrepreneurship skill among the rural youths is to be developed emphasizing cultivation of high value commodities such as fruits vegetables flowers fisheries sericulture animal husbandry poultry etc Institutions like RSETI are expected to be the catalyst in this respect

4) Qualified and trained youths are to be encouraged to set up Agri Clinics and Agri

Hiring Centres 5) More thrust is to be given on Investment credit like farm mechanization dairy farming etc for improving farmersrsquo non-farm income in potential areas targeting the medium and large farmers 6) Proper forward linkage support by way of formation of Federations Societies etc with the help of Govt Departments is to be arranged 7) Around 50 lakh KCC loans are still under dormant status The process of renewal of dormant KCCs with need based finance may be looked after by the Bank with support from the different Govt machineries which will also contribute to increase in agricultural income through revival of production credit

Agenda-9 Progress in SHG NRLM and E- Shakti portal of NABARD

SHGNRLM

The positions of Savings and Credit Linked SHGs for the State of West Bengal for last 5 years are given below -

(AmtRs in crore)

Financial Year Target (No) Achievement-Deposit Linked Number only

Achievement Credit Linked

Deposit Link

Credit Link No Amt

2012-2013 150000 150000 126398 108924 67441

2013-2014 150000 150000 137222 129333 92591

2014-2015 150000 158000 63384 114041 102603

2015-2016 150000 178515 96309 200967 208408

2016-2017 150000 250018 102392 224884 332981

2017-2018 150000 400000 134715 444327 815597

2017-2018 (April- Sept17)

150000 400000 51926

131269

204620

2018-2019 (April- Sept18)

150000 572874 63087

160136

347408

Quarterly Progress for 2018-19

Catagory

April ndash June2018 June ndash Sept18 Total (April-Sept)

No Amount (Rs In Cr)

Deposit Linked 44911 4899 18176 2746 63087 7645

Credit Linked 71078 119672 89058 227736 160136 347408

The total physical target of credit linkage for the State as a whole is 572874 SHGs with targeted amount of Rs 1302478 crore for FY 2018-19 (as per ACP) As per data provided by WBSRLM Dept GoWB at the end of September 2018 credit linkage of SHG stood at Rs 347408crore (2667 of financial target) covering 160136 nos of groups (28 of physical target) as against Credit Linkage of Rs 204620 crore covering 131269 no of groups during the corresponding period of the last year Average Credit per SHG for the banks operating in the State for the quarter ended 30092018 stood at Rs 216945- as against Rs 155878- during the same period of the last year It is expected that full disbursement in current quarter will result in increase of the ticket size as anticipated

It is also reported that about 390 lacs SHGs are due for renewal The concerned bank branches are to undertake the grading exercise of the eligible SHGs by December2018 for renewal of the limit with enhancement as per norms The banks are also to ensure collection of mobile numbers (through District Magistrate Office in exigency) for seeding in the system and complete the interest subsidy claim Limit SLBC West Bengal issued a letter no LBDSLBC (WB)DAY-NRLM14882017 dated 01112017 in respect of decision taken in 138th SLBC Meeting for the State of West Bengal for initializing the limit for credit linkage (after 1st grading) to a fresh SHG unit has been raised from Rs 125 lac to Rs 150 lac and subsequently the limit is to be raised to Rs 250 lac and to Rs 350 lac after 2nd amp 3rd grading respectively

Rationale for benchmark 6 times of the existing corpus or minimum of Rs 150 lac whichever is higher

(Corpus is inclusive of revolving funds if any received by that SHG its own savings interest earning by SHG from on-lending to its members income from other sources and funds from other sources in case of promotion by other institutes NGOs) Details of the performance of Banks regarding Credit linkage to SHGs as on 30062018 have been given in the Annexure

Dual Authentication status

Ministry of Finance GOI had advised the SLBCs to draw up plan for implementation of Dual Authentication mode of transactions at BC point for enabling the SHGs to conduct their banking transactions locally in a convenient manner All the banks have been directly centrally to initiate necessary measures for early implementation The way forward is creation of customer Ids for the authorized SHG office bearers for mapping with the BC channel accordingly This requires adjustment of the application used by the BCs Biometric Authentication will also rule out the element of mistakes besides providing doorstep banking facility to the group Challenges for smooth implementation CBS system needs to be configured for capturing all relevant KYC data and integration of all transactional data in both linked SB and Loan accounts All the SHG members are not Aadhar enabled on date Aadhar enrolment amp seeding process is to be speeded up NPCI is working on some solution for inter-operable Dual Authentication system for servicing other bankrsquos SHGs Once implemented the entire system will undergo a dramatic changes

E- Shakti portal of NABARD

E-Shakti project has been launched by NABARD as pilot project in Paschim Midnapore district in 2016 and has been found to be useful in assessing the SHG credit proposals with online grading exercise in a better way by the Banks Banks can rely on system based MIS reports and transactions on real time basis and accord sanction in a hassle free manner

Since the project is expected to be rolled out to the other districts in future all the member banks are to ensure putting in place an effective IT based platform at branch level for effectively utilize the portal

No Amt (Rs In lac) No Amt (Rs In lac) No Amt (Rs In lac) No Amt (Rs In lac) No Amt (Rs In lac) No Amt (Rs In lac)

1 Allahabad Bank 44370 10507066 26385 2469685 13822 2932642 44227 4717051 3694 3524 47486 422258

2 Andhra Bank 360 75800 88 5221 80 13675 1962 25976 114 458 1285 56231

3 Bank of Baroda 6558 1524935 659 112981 1695 348185 8215 2485421 539 7021 10130 61211

4 Bank of India 18218 4211338 5521 533800 5135 952524 30989 3561123 2840 53225 22500 440565

5 Canara Bank 7205 1594394 1205 145552 2132 383403 4603 644100 1179 5361 9486 234956

6 Central Bank of India 33114 7972531 15474 1319054 9923 2154577 32422 2644404 2857 829 33710 685674

7 Dena Bank 111 23465 0 000 0 000 1956 126313 201 1852 2354 138525

8 Indian Bank 1520 368755 72 14888 357 77768 1929 203269 214 5026 1403 137621

9 Indian Overseas Bank 2337 561179 587 58351 763 143282 2610 145161 1197 6233 3882 87828

10 Oriental Bank of Commerce 523 119750 28 1900 110 14530 2312 202152 182 3312 2126 33128

11 Punjab National Bank 19014 4725679 8542 510914 5822 1275316 25268 1322932 3469 49212 44618 492593

12 State Bank of India 75720 17733041 37546 8697300 25285 5026068 57543 6682200 4894 79451 65879 883519

13 Syndicate Bank 3464 817536 1942 169700 1369 289605 3072 304200 2942 269711 3072 184211

14 Union Bank of India 5641 1271016 1011 198724 1858 348416 8129 1951229 1072 2519 11763 259528

15 United Bank of India 81657 19652782 14474 421253 23682 4978793 90317 9725063 3811 25916 79119 795113

16 UCO Bank 19866 4670981 7806 1131900 6192 1310437 28500 6925223 2900 17882 31612 411021

17 Vijaya Bank 280 66800 145 13100 98 18635 1011 52219 196 2918 2889 6125

18 IDBI Bank 181 31450 503 178828 88 13250 4215 410788 158 1885 4874 25126

19 Corporation Bank 41 7650 54 10072 10 1800 3058 241171 48 456 6895 41202

A PSB Total 320180 75936148 122042 15993223 98421 20282906 352338 33332603 32507 536791 385083 5396435

20 BGVB 111866 27376447 47956 10104400 34324 7718872 137985 18107400 18168 52961 145215 56279

21 PBGB 50124 12944850 16468 4139071 15583 4126297 61619 10801504 3587 3122 77844 24114

22 UBKGB 29704 7490368 4622 286100 10845 2459055 39808 42494 2242 3456 79322 14487

B RRB Total 191694 47811665 69046 14529571 60752 14304224 239412 33158304 23997 59539 302381 94880

23 Bandhan Bank 0 000 0 000 0 000 0 000 0 000 0 000

24 HDFC 0 000 14 1940 0 000 14 1940 0 000 14 1529

25 ICICI 0 000 0 000 0 000 0 000 0 000 0 000

C PVT Bank Total 0 000 14 1940 0 000 14 1940 0 000 14 1529

26 WB StCo-op Bank 61000 6500000 2921200 1228849 963 153713 149814 759464 6583 168218 203473 44447612

D Co-optv Bank Total 61000 65000 29212 1228849 963 153713 149814 759464 6583 168218 203473 44447612

(A+B+C+D) GRAND TOTAL 572874 130247813 220314 31753583 160136 34740843 741578 74087487 63087 764548 890951 59333576

Outstanding Credit Linked

Balance as on 30092018

Savings Linked upto

September 2018 during

the year 2018-19

Outstanding Savings Linked

Position of SHG Bank Credit Linkage programme

Bank-wise position for the year 2018-19

Report Submitted by

WBSRLM

Target of Credit Linked

As per NRLM Portal

Credit Linked upto

September 2018 during the

year 2018-19(Disbursed)

Bank Name Credit Linked upto

Progress in NULM Physical target of credit linkage under National Urban Livelihood Mission for the State in the urban areas is 21532 beneficiaries (both Individualamp Groups amp SHGs ) for FY 2018-19 Bank wise target of DAY-NULM (Individual Groups) has already been allocated amongst the member banks At the end of September 2018 2473 SEP-Individual proposals are sponsored to banks out of which only 202 cases have so far been sanctioned amp disbursed 24 proposals under SEP- Groups are sponsored to the banks out of which 10 cases have so far been sanctioned amp disbursed and 7348 proposals have been sponsored under SHG Credit Linkage out of which 2475 cases have been sanctioned amp disbursed by Member banks

April to September 2018

Target 2018-19 (No) Proposals sponsored (No)

Proposals Disbursed

21532 No Amount (Rs in Lac)

April to June 9733 985 130333

June to September 112 1702 237602

Total 9845 2687 367935

It is observed that Banks have started to dispose of the proposals and ensure

completion of the sanction of the eligible cases followed by disbursement within the

financial year

Bank wise and District wise performance of SEP under DAY-NULM as on 30th June 2018 for the financial year 2018-19 furnished in Annexures

NOName of the Bank

Number

of the

Active

Target

(FY -18-

Sponsord

ot Bank

Branches

Number of

SHGs are

Credit

linked

Amount of

Disbursed

Target (FY -

18-19)

Sponsord

ot Bank

Branches

Disbursed

Amount of

Disbursed

Target

(FY -18-

Sponsord

ot Bank

Branches

Disbursed

Amount

of Loan

Disbursed

1 Allahabad Bank 4453 2378 882 426 59350 699 459 27 288 65 0 2 300

2 Andhara Bank 627 120 63 6 836 30 23 0 000 3 0 0 000

3 Axis Bank 111 45 30 0 000 27 28 0 000 3 0 0 000

4 Bandhan Bank 0 0 0 0 000 60 18 0 000 3 0 0 000

5 Bank of Baroda 1023 625 198 177 24659 270 111 13 1388 8 0 0 000

6 Bank of India 1894 1064 311 59 8220 290 108 27 2883 7 0 0 000

7 BGVB 1214 576 432 259 36083 110 89 0 000 25 3 0 000

8 Canara Bank 359 433 42 48 6687 190 83 6 641 13 0 0 000

9 Central Bank of India 1188 526 122 75 10449 225 104 6 641 20 0 0 000

10 Cooperative Banks 2321 548 562 245 34133 95 10 0 000 12 12 4 450

11 Corporation Bank 82 54 6 0 000 15 96 0 000 8 0 0 000

12 Dena Bank 124 134 61 0 000 51 59 0 000 4 0 0 000

13 IDBI Bank 570 401 242 0 000 30 69 0 000 8 0 0 000

14 Indian Bank 307 130 121 12 1672 73 87 7 747 8 0 0 000

15 Indian Oversease Bank 745 357 124 62 8638 157 109 5 534 14 2 0 000

16 Oriental Bank of Commerce 207 140 164 59 8220 88 78 9 961 18 0 0 000

17 Paschim Banga grameen Bank 371 113 38 4 557 25 32 0 000 6 0 0 000

18 Punjab and Sind Bank 230 81 88 0 000 180 35 0 000 12 0 0 000

19 Punjab National Bank 1379 518 261 75 10449 860 133 5 534 95 0 0 000

20 State Bank of India 4821 1855 726 173 24102 78 221 10 1068 8 0 0 000

21 Syndicate Bank 223 207 57 22 3065 15 56 6 641 4 0 0 000

22 UCO 2670 1092 596 62 8638 327 79 16 1708 20 0 0 000

23 Union Bank of India 465 497 509 26 3622 74 66 7 747 10 0 0 000

24 United Bank of India 6953 3713 1224 529 73699 962 289 58 6193 128 7 4 802

25 Uttarbangiya Khetra Grameen Bank 764 299 269 79 11006 32 9 0 000 11 0 0 000

26 Vijaya Bank 129 47 95 2 279 10 12 0 000 4 0 0 000

27 West Bengal State Cooperative Bank 207 47 125 75 10449 27 10 0 000 15 0 0 000

Total 22249 16000 7348 2475 344813 5000 2473 202 2157 532 24 10 1552

Bank wise Performance report of SEP under DAY NULM As on September 2018 for the financial year 2018-19 (Amount in Lakhs)

SHG Credit Linkage SEP-I SEP-G

Agenda no-10 Education Loan and Housing Loan

1 Education Loan A report on Bank wise outstanding balance under Education loan scheme as on March 2016 March 2017March June and September2018 is annexed for review by the House The summary position is as under (Amount Rs in crore)

Balance outstanding as on

31032016

Balance outstanding as on 31032017

Balance

outstanding as on 31032018

Balance

201798 228192

240736

236140 233123

Financial Year 2018-19

April to June (Disbursement) June to Sept (Disbursement) Total Disb upto 300918

No Amt (Rs In Cr) No Amt (Rs In Cr) No Amt (Rs In Cr)

3972 12976 3175 43187 7147 56163

During the period from 01042018 to 30092018 all the Banks disbursed Rs 56163crore against 7147 cases

2 Housing Loan

The Bank wise break up of disbursement during the period from 01042018 to 30092018 and outstanding balance at the end of September 2018 is annexed All Banks have collectively disbursed Rs 310508 crore against 34302 accounts during the period April to September 2018

31032016

Balance

2548535 3096060 4080399

3665231 3121002

22407 213349 11895 97159 34302 310508

It is expected that the momentum would pick up in the coming busy season and the

benefit under PMAY will galvanize the housing loan segment

Further GoWB has finalized the process of tie-up arrangement with Banks for the

ambitious Nijashree ndash an affordable housing loan project which is expected to be major

initiative targeting the LIG amp MIG segment of population in number of locations in the

State Corresponding increase in Housing Loan sector in on the cards

No of Ac Amount

(1) (2) (3) (4)

1 Allahabad Bank 2521 1842823

2 Andhra Bank 46 42993

3 Bank of Baroda 1527 1425200

4 Bank of India 2893 2620400

5 Bank of Maharashtra 135 226900

6 Canara Bank 1333 1040000

7 Central Bank of India 2064 1168451

8 Corporation Bank 48 60494

9 Dena Bank 12 12000

10 Indian Bank 164 79816

11 Indian Overseas Bank 199 327700

12 Oriental Bank of Commerce 225 256400

13 Punjab National Bank 776 542300

14 Punjab amp Sind Bank 30 12405

15 Syndicate Bank 385 764400

16 State Bank of India 11766 21864400

17 Union Bank of India 115 81527

18 United Bank of India 4856 3031535

19 UCO Bank 669 7002

20 Vijaya Bank 216 256000

21 IDBI Bank 1184 933980

A Total 31164 37289924

22 HDFC Bank 4600 43787

23 AXIS Bank (UTI) 1690 1073662

24 ICICI Bank 494 769369

25 Federal Bank 123 219210

26 Bandhan Bank 234 126200

27 South Indian Bank 14 4056

28 Ratnakar Bank Ltd 758 20750

29 Yes Bank 50 49211

30 Indusind Bank 8 3026

31 Kotak Bank Ltd 143 22154

B Total 8114 2703354

(A+B) Total of CommBks 39278 39993278

31 BGVB (UBI) 142 108221

32 PBGB (UCO) 107 84900

33 UBKGB 137 95100

C RRBs Total 386 288221

D WBSCARD Bank Ltd 0 0

E WB St Co-opBk 982 768705

40646 41050204

Disbursement Position of Banks from 01042018-30092018

under Housing Loan

(Rsin lac)

PUBLIC SECTOR BANKS

SL No BanksHousing

PRIVATE SECTOR BANKS

No of Ac Amount

(1) (2) (3) (4)

4 Bank of India 275 57600

6 Canara Bank 890 156600

9 Dena Bank 10 1188

19 UCO Bank 269 899

21 IDBI Bank 16 3020A Total 6747 2394286

22 HDFC Bank 176 27537

23 AXIS Bank (UTI) 287 153186

24 ICICI Bank 14 5439

29 Yes Bank 1 300

B Total 665 196812

31 BGVB (UBI) 8 1754

32 PBGB (UCO) 10 1400

33 UBKGB 14 900

Grand Total (A+B+C+D+E) 7450 2598140

under Education Loan

(Rsin lac)

BanksSL No

Education

PUBLIC SECTOR BANKS

Agenda-11 Export scenario and augmentation of Export Credit

In terms of the advice of the Honrsquoble Finance minister during the last 141st SLBC meeting on 19-06-2018 one Sub-Committee on Export Credit has been formed by SLBC with the objective for promoting export credit in the State SLBC has been giving thrust on proper reporting of Export Credit by the banks and the disbursement position for the Sept18 quarter has shown a marked improvement with deployment of Rs 56899 crore as against Rs37473 crore in the entire 2017-18 in export credit It was opined that with improved scenario the position will further accelerate and it will be in conformity with the average turnover of Rs63000 crore in this segment The endeavour of the banks will be to act as catalyst for doubling the turnover in the next 3 years In terms of the decisions taken by the Committee SLBC has requested the member banks for accessing the officesportals of various intermediariesagencies for accessing reliable data base of clientsmarkets and take professional counselguidance for hedgingguarantee coverage for both pre amp post shipment credit to mitigate the risks and accelerate the pace of exports As decided in 142nd SLBC meeting one workshop was conducted by SLBC at Staff

Training College of United Bank of India on 16-11-2018 covering all major member banks

with support from MSME amp T Deptt GoWB EXIM Bank ECGCEEPC FIEO The key

note address was delivered by Sri Sanjay Kumar Executive Director of United Bank of

India on the occasion which was also graced by Sri Alapan Bandyopadhyay Addl Chief

Secretary MSME amp T Deptt GoWB

During the deliberation Sri Bandyopadhyay while highlighting the various initiatives taken by GoWB opined that SLBC and member banks should join hands together with the Department for promoting export credit by adopting a cluster approach and suggested a brainstorming session with the export bodies by all the stakeholders Accordingly SLBC has decided to hold a Seminar with support from MSME amp T Department in the month of December2018 after the SLBC quarterly meeting

Agenda-12 Deployment of credit in MSME

Considering the potentiality available in the State in the avenue of manufacturing units traders

etc the target for MSME sector has been raised from Rs 38000- crore to Rs 50000- crore

(including Rs 10000- crore of Non-Prisec) for the FY 2018-19

All member Banks put together in the State could disburse Rs 20287- crore under MSME as

against the target of Rs 50000- crore ie40 of the total target upto September during the

financial year 2018-19 The process is expected to accelerate with pick up of demand in the

forthcoming busy season

Achievement of MSME under ACP for the last 3 financial years along with this year is given below

(Amt Rs in crore)

Plan Year Target Achievement of Achievement

2015-2016 21762 22887 105

2016-2017 26000 29186 112

2017-2018 38000 44059 116

(April ndash Sept17) 38000 17975

2018-2019

(April ndash Sept18)

50000 20287

2018-19

April - June June - September

Achievement Target Achievement (Rs

In Cr)

Target Achievement (Rs

In Cr)

50000 10217 50000 10070 20287 40

The disbursement during the period April to September of financial year 2018-19 is Rs20287

crore recording an increase of 13 over the disbursement of Rs17975 crore made during the

corresponding period of last FY 2017-18

SlNo Name of Bank

Target

Achievement

(April- Sept)

Achivement Target

Achievement

( April-Sept)

Achivement

(1) (2) (3) (4) (5) (6) (7) (8)

1 Allahabad Bank 270895 43828 1618 319522 34053 1066

2 Andhra Bank 20822 4544 2182 22474 9481 4219

3 Bank of Baroda 75665 25415 3359 85482 18069 2114

4 Bank of India 180554 39825 2206 200702 34709 1729

6 Canara Bank 143360 12456 869 158508 11451 722

9 Dena Bank 19651 8965 4562 21714 2728 1256

10 Indian Bank 28043 11056 3943 30905 5646 1827

14 Punjab amp Sind Bank 8885 4216 4745 10104 3062 3030

15 Syndicate Bank 51418 60925 11849 57587 85243 14802

19 UCO Bank 19708 42618 2162 214871 46942 2185

20 Vijaya Bank 11764 3256 2768 13275 2912 2193

21 IDBI Bank Ltd 45327 14568 3214 50560 24270 4800

255778 921779 3604 2838876 937291 3302

22 HDFC Bank 66911 93329 13948 297436 172077 5785

23 AXIS Bank 84185 124705 14813 306020 140403 4588

24 ICICI Bank 61859 220796 35693 291725 312366 10708

25 Kotak Bank Ltd 7900 0 000 50021 40021 8001

26 Federal Bank 5634 193 343 11702 8656 7397

27 Indusind Bank 601 4757 79151 49012 4685 956

28 Bandhan Bank 196356 294322 14989 695798 363741 5228

29 Ratnakar Bank Ltd 7100 0 000 000 000 DIV0

30 South Indian Bank 15066 1036 688 4705 781 1660

32 Utkarsh Samll Finance Bank 0 0 DIV0 000 000 DIV0

34 Yes Bank 0 6374 DIV0 087 15982 1834297

36 Jana Samll Finance Bank 0 0 DIV0 000 000 DIV0

445612 745512 16730 1706507 1058713 6204

37 BGVB 370000 7839 2119 52035 1569 302

38 PBGB 102504 18416 1797 39647 13326 3361

39 UBKGB 66110 11481 1737 45050 14289 3172

538614 108287 2010 136732 29184 2134

3542006 1775578 5013 4682115 2025188 4325

40 WB StCoopBk 20368 18145 891 164630 1424 086

41 WBFC amp Others 6521 1685 2584 25255 1289 510

42 WBSCARDB 47793 2056 430 000 526 DIV0

257994 21886 848 189885 3239 171

43 SIDBI 0 052 DIV0 128000 302 024

Grand Total 3800000 1797516 4730 5000000 2028729 4057

Annexure-II

Bank - wise Targets and Achievement in MSME for 2018-19

for the State of West Bengal under ACP 2018-19 as on September 2018

(Rsin crore)

2017-18 2018-19

Sub total of PVT Banks

Sub Total PSU Banks

Total Scheduled Comm Banks

Total of Co-optv Banks

Total of RRBs

Agenda-13 Adoption of MSME Clusters

In the SLBC Sub-Committee of MSME meeting on 20-11-2018 it has been decided to

work in tandem with MSME amp Textile Department for linkage of the MSME clusters

branches during the SynergiesClinics held by the Department in the State The identified

branches will take a focused approach in line with the Specialized MSME branches for

better interaction with the MSME entrepreneurs in collaboration with Department for

attending to the credit needs in respective clusters It was suggested that per district a

major activity could be taken up for promotion during the process RBI has also proposed

that an Information Sharing cum Credit Camp beheld by the cluster banks before 15-01-

Sl District

Clusters Main Trade No of Unit

Employed

1 Alipurduar 3 Wood furniture Concrete items 395 3471

2 Bankura 16 Brass amp Bell Metal Engineering wooden amp milk

products etc

2158 9256

3 Birbhum 13 Brass amp Bell Metal leather garments clay amp

bamboo products

892 3940

4 Purba Burdwan 4 Rice mill wooden furniture knife amp Scissors Zari

products

1585 20040

5 Coochbehar 8 Steel Mustard Oil 515 1468

6 Dakshin Dinajpur 2 Clay pottery products 250 1010

7 Darjeeling 14 Honey processing Garments Steel products

Clay pottery tiles Bee Keeping PicklesRexin

and Foam Bag Incense Stick

965 8459

8 Kalimpong 7 Turmeric Processing Steel Flower Cardamom amp

Ginger Processing Metal craft

224 7835

9 Paschim

Bardhaman

4 Bricks Gate Grill Fly Ash Bricks 268 11158

10 Hooghly 14 Brass amp Bell Metal Gems amp Jewellery Silk screen

printing Embroidery Garments Plastic Net

Manufacturing LED lights

2094 21780

11 Howrah 27 Engineering Optical lens Gems amp Jewellery

Garments Wood furniture Musical instrument

Optical Lens Artificial hair Zari products

10869 146100

12 Jalpaiguri 3 Plastic Gate Grill Steel 210 2170

13 Kolkata 6 Engineering Leather Printing Garments 1590 17554

14 Malda 18 Honey Garments Wood furniture Steel

products Mat Makhna processing Pottery

products

1838 11741

15 Murshidabad 21 Brass amp Bell Metal Plastic Steel Mustard oil

Wood furniture Gems amp Jewellery Blanket

product Cotton Clay pottery Bamboo Jute

Garments

4405 15661

16 Nadia 15 Gems amp Jewellery Brass amp Bell Metal Mustard

oil Garments Steel Automobile Plastic Rice

2148 8545

17 North 24 Parganas 22 Alumunium Cap Dyeing amp bleaching Leather

Steel Automobile Gauge amp Bandage Bamboo

Product Clay pottery tiles Food processing

Brass amp Bell Metal Fire works

2797 37004

18 Paschim Mednipur 17 Wood furniture Steel products Gate Grill Conch

shell Copper Products

662 2967

19 Jhargram 3 Black Smithy Wood furniture Stone Curving 95 280

20 Purba Mednipur 22 Food processing Horn Products Steel products

Garments Bricks Salt Seashell Products Conch

Shell products

2994 67680

21 Purulia 14 Shellac Brass amp Bell Metal Garments Steel

products Wood furniture Bamboo based

Handicrafts product Woolen Garments Incense

Stick zjute Shoe Molasses Jaggery

689 6072

22 South 24 Parganas 11 Garments Zari products Gems amp Jewellery

Agarbati Fire works Surgical Engineering

Engineering Garments

23412 101656

23 Uttar Dinajpur 17 Mustard oil Steel Dal Mill Wood furniture

Terracotta products Jute Diversified Products

Bamboo Product

2327 9822

281 63382 515669Total

DISTRICT WISE DETAILS OF MSME CLUSTERS AND ACTIVITIES

Agenda-14 Review of progress under MUDRA amp SUI program

In the financial year 2018-19 all the Financial Institutions together disbursed Rs 7887 crore up to Sept 2018 Performances of the Banks in the State of West Bengal from 01042018 to 30092018 are furnished hereunder

Achievement of Mudra Loan in 2018-19 on 30-09-2018

(Rupees in Crore) Category of

SISHU KISHORE TARUN TOTAL

Disb No of

PSU Bank 22543 5741 47828 94149 12326 89454 82697 189344

Pvt Bank 590962 252764 4120 8418 1248 10194 596330 271376

RRB 4393 1600 14660 31703 478 4233 19531 37536

NBFC (MFI) 807687 225767 10 026 x x 807697 225793

NBFC 25458 7093 9890 9807 368 2426 35716 19326

Finance

70202 34292 4025 10926 16 117 74243 45335

Total 1521245 527257 80533 155029 14436 106424 1616214 788710

Position as

on 30-06-18

Disb No of

689090 158787 40550 71036 5798 41490 735438 271313

Observation ( on quarterly progress)

The disbursement in Sept 2018 quarter has increased substantially

It is observed that the private banks particularly Bandhan Bank with its DSA model has

extended loans mostly under Shishu category

Bank wise and District wise details of disbursement is Annexed in the next pages

NOAMOUNT(Rs

IN LAKH)NO

AMOUNT(Rs

IN LAKH)NO

AMOUNT(Rs

IN LAKH)NO

AMOUNT(Rs

IN LAKH)NO

AMOUNT(Rs

IN LAKH)NO

AMOUNT(Rs

IN LAKH)

Sanc Amt

(in Lakh)

Disb Amt

(in Lakh)

1 Allahabad Bank 1528 49125 1528 48533 7922 2139423 7922 2099458 4680 3323088 4680 3315263 14130 5511636 5463254

2 Andhra Bank 368 9843 368 7953 371 62259 371 62183 112 89256 112 87793 851 161358 157929

3 Bank of Baroda 298 10326 298 10179 1198 309832 1198 298823 246 219689 246 208619 1742 539847 517621

4 Bank of India 2558 105900 2558 104700 5090 1054900 5090 995900 560 435200 560 389300 8208 1596000 1489900

5 Bank of Maharashtra 25 1000 20 800 85 9423 81 9378 76 47238 72 45823 186 57661 56001

6 Canara Bank 3173 1018 3173 1012 4719 8965 4719 8606 649 438253 649 412849 8541 448236 422467

7 Central Bank of India 2940 123385 2940 36079 4126 906246 4126 494398 408 329351 408 227952 7474 1358982 758429

8 Corp Bank 1482 12600 1482 12200 610 132000 610 132000 161 124700 161 124700 2253 269300 268900

9 Dena Bank 23 980 19 850 91 12811 85 12229 15 8911 13 7822 129 22702 20901

10 IDBI Bank 1946 68111 1856 58921 589 126789 576 121381 117 73125 108 70918 2652 268025 251220

11 Indian Bank 26 843 26 8 281 63225 281 63225 25 18228 25 18228 332 82296 82296

12 IOB 604 18129 589 17725 1907 381456 1907 372145 203 161329 203 159823 2714 560914 549693

13 OBC 198 5941 198 5663 226 45219 226 44191 162 101121 162 98913 586 152281 148767

14 Punjab amp Sind Bank 35 1189 35 921 111 25722 111 25199 39 28872 39 28127 185 55783 54247

15 PNB 1661 71400 1661 54500 3899 884100 3899 701200 868 725800 868 597100 6428 1681300 1352800

16 SBI 1326 51500 1326 50400 7449 2009000 7449 1983200 2622 2145000 2622 2142700 11397 4205500 4176300

17 Syndicate Bank 85 3496 85 3281 554 124655 554 119827 117 81592 117 77529 756 209743 200637

18 UCO Bank 2836 119112 2836 108991 1929 675192 1929 667225 411 311716 411 308829 5176 1106020 1085045

19 Union Bank of India 182 7281 182 7018 1617 318927 1617 307231 241 156679 241 156128 2040 482887 470377

20 United Bank of India 1133 40002 1098 38872 4836 927158 4614 845729 516 429865 498 398452 6485 1397025 1283053

21 Vijaya Bank 116 4872 116 4619 218 57222 218 51390 98 70156 98 68629 432 132250 124638

22543 706053 22394 574060 47828 10274524 47583 9414918 12326 9319169 12293 8945497 82697 20299746 18934475

23 Axis Bank 29901 1344559 29901 1229856 187 56172 187 54927 306 229518 306 228923 30394 1630249 1513706

24 Federal Bk 4 189 4 189 3 643 3 613 2 1482 2 1482 9 2314 2284

25 HDFC Bank 50132 1560200 50132 1560200 1015 254600 1015 254600 223 180900 223 180900 51370 1995700 1995700

26 Indusind BK 8920 248253 8920 248253 830 133221 830 133221 116 65619 116 65619 9866 447093 447093

27 Kotak Mahindra Bank 2 095 2 095 5 1078 5 1078 16 11542 16 11442 23 12715 12615

28 ICICI Bank 2069 88634 2069 88634 633 323580 633 323231 559 476050 559 475331 3261 888264 887196

29 Bandhan Bank 446275 21813752 408562 20815792 3 643 3 613 2 1482 2 1482 446280 21815877 20817887

30 Yes Bank 2 095 2 095 5 1078 5 1078 16 11542 16 11442 23 12715 12615

31 Ratnakar Bank Ltd 614 24561 614 24561 2 561 2 536 3 2092 3 1851 619 27214 26948

32 IDFC Bank Ltd 53043 1308769 53043 1308769 1437 71913 1437 71913 5 41011 5 41011 54485 1421693 1421693

590962 26389107 553249 25276444 4120 843489 4120 841810 1248 1021238 1248 1019483 596330 28253834 27137737

33 BGVB 1769 44700 1769 39700 4220 795400 4220 719100 75 59900 75 44800 6064 900000 803600

34 PBGB 2412 109935 2411 109902 8341 2155426 8341 2139252 402 378190 402 377894 11155 2643551 2627048

35 UBKGB 212 10400 212 10400 2099 312000 2099 312000 1 610 1 610 2312 323010 323010

4393 165035 4392 160002 14660 3262826 14660 3170352 478 438700 478 423304 19531 3866561 3753658

36 Vedica Credit Capital Ltd 24219 571521 23819 571521 0 000 0 000 0 000 0 000 24219 571521 571521

37 Annapurna Micro Finance Pvt Ltd481 13211 481 13211 0 000 0 000 0 000 0 000 481 13211 13211

38 Village Financial Service Pvt Ltd85152 2270291 85152 2270291 0 000 0 000 0 000 0 000 85152 2270291 2270291

39 Muthoot Micro Finance Ltd 71 1698 69 1418 0 000 0 000 0 000 0 000 71 1698 1418

40 ASA International India Micro Fin Ltd42123 7072451 42123 7072451 6 1821 6 1821 0 000 0 000 42129 7074272 7074272

41 Jagaron Micro Fin Pvt Ltd32916 665131 32916 665131 0 000 0 000 0 000 0 000 32916 665131 665131

42 Spandana Sphoorty Fin Ltd4021 101123 4021 101123 0 000 0 000 0 000 0 000 4021 101123 101123

43 Share Micro Finance Ltd 12321 273951 12321 273951 0 000 0 000 0 000 0 000 12321 273951 273951

44 Satin Credit Care Network Ltd35418 713129 35418 713129 0 000 0 000 0 000 0 000 35418 713129 713129

45 Asirvad Micro Finance Pvt Ltd46771 717869 46771 717869 0 000 0 000 0 000 0 000 46771 717869 717869

46 Fusion Micro Finance Pvt Ltd1289 27956 1289 27956 4 825 4 825 0 000 0 000 1293 28781 28781

47 Arohan Financial Services Pvt Ltd55614 1509123 55614 1509123 0 000 0 000 0 000 0 000 55614 1509123 1509123

48 SKS Micro Finance Ltd 467291 8639532 467291 8639532 0 000 0 000 0 000 0 000 467291 8639532 8639532

807687 22576986 807285 22576706 10 2646 10 2646 0 000 0 000 807697 22579632 22579352

49 Reliance Capital Ltd 20877 508631 20877 508631 167 29321 167 29321 55 37321 55 37321 21099 575273 575273

50 Capital First Ltd 4581 200711 4581 200711 8921 654152 8921 654152 79 50123 79 50123 13581 904986 904986

51 Magma Fin Corp Ltd 0 000 0 000 802 297221 802 297221 234 155123 234 155123 1036 452344 452344

25458 7093 25458 7093 9890 9807 9890 9807 368 2426 368 2426 35716 1932603 1932603

52 Utkarsh Small Finance Bank352 14182 352 14182 12 2498 12 2137 5 3128 5 3022 369 19808 19341

53 Ujjivan Samll Finance Bank50121 2642899 80121 2642899 3231 969321 3231 969321 1 510 1 510 53353 3612730 3612730

54 Fincare Small Finance Bank 6 3125 6 3125 0 000 0 000 0 000 0 000 6 3125 3125

55 Janalakshmi Financial Services19723 768955 19723 768955 782 121153 782 121153 10 8122 10 8122 20515 898230 898230

70202 34292 100202 34292 4025 10930 4025 10926 16 118 16 117 74243 4533893 4533426

1521245 53975684 1512980 52725715 80533 16457151 80288 15503031 14436 11033434 14403 10642505 1616214 81466270 78871251

DISBURSEDTotal

01042018 to 30092018

Bank wise achievemant under MUDRA

Total Small Finance Bank

DISBURSEDBANK NAME

Total NBFC Micro Finance Institution

SANCTION NO DISBURSED

KISHORE

SANCTION NO

TOTAL PSB

TOTAL PVT BK

TOTAL RRB

Total Non Banking Financial Services

SANCTION NO

STAND-UP INDIA (SUI)

Stand-Up India Scheme facilitates bank loans between Rs10 lac and Rs100 lacs to 1) Scheduled Caste (SC) or Scheduled Tribe (ST)and 2) woman beneficiary Target of 2 loans per bank branch has been given for setting up Greenfield Enterprise

Loans under the scheme have been extended to 4537 such SCsSTsWomen beneficiaries upto 30092018 (since inception) with outstanding of Rs90357 crore as on 30-09-2018 Summarized progress report under Stand Up India scheme for the State of West Bengal as on 30092018 is given hereunder

Cumulative position

Loan given to Total no of

beneficiary

Loan Outstanding under the scheme (Rsin

crore)

Total Outstanding (Rs in crore)

Loan to

980 3557 4537 20028 70329 90357

Progress report for 2018-19

Loan sanctioned upto Sept18

quarter (Apl-Sept )

Total no of

beneficiary

Sanctioned Amount

(Rsin crore)

No of SCST No of

Loan to

265 291 556 4081 3885

With MSME being the thrust area of credit it is only logical that the banks would play a pivotal role in extension of need based credit to the target group Banks are requested to achieve targets as given under Stand Up India programme during the current financial year ie 2018-19 It is observed that the pace of new client addition has slackened in view of the limited scope for reaching out to the target group more so for the compulsory requirement of greenfield projects Limited business opportunities in rural areas for credit absorption above Rs1000 lacs is also proving to a deterrent It is also observed that the banks are not updating the Stand Up India Mitra portal on real time basis Same may be attended to on regular basis so as to depict the actual position with reconciliation of the manual data

Allahabad Bank 543 214 63 193 256 115896 312442 428338

Andhra Bank 71 72 13 120 133 32381 224102 256483

Bank of Baroda 214 180 45 186 231 123321 372855 496176

Bank of India 377 325 75 315 390 145531 689170 834701

Bank of Maharashtra 33 17 3 21 24 6312 44333 50645

Canara Bank 301 38 13 31 44 33090 60503 93593

Central Bank of India 348 112 21 110 131 44916 174345 219261

Corporation Bank 62 22 2 27 29 3213 53274 56487

Dena Bank 58 8 4 8 12 7591 16457 24048

Indian Bank 87 17 7 17 24 18213 37825 56038

Indian Oversea Bank 147 46 17 47 64 34092 89112 123204

Oriental Bk of Comm 107 6 3 10 13 6750 22428 29178

Punjab National Bank 288 262 45 319 364 85609 658274 743883

Punjab amp Sind Bank 39 29 6 34 40 9891 69572 79463

Syndicate Bank 140 87 6 101 107 10913 208614 219527

State Bank of India 1283 374 212 355 567 489546 819350 1308896

Union Bank of India 187 34 14 43 57 28872 104878 133750

United Bank of India 873 851 357 1189 1546 651471 2181654 2833125

UCO Bank 389 116 29 131 160 62296 265412 327708

Vijaya Bank 55 17 2 21 23 4099 44112 48211

IDBI Bank 97 63 11 58 69 30575 138018 168593

Public Sector Banks 5699 2890 948 3336 4284 1944578 6586730 8531308

AXIS Bank 268 3 0 2 2 000 3878 3878

ICICI Bank 234 20 0 31 31 000 65131 65131

HDFC Bank 189 21 0 23 23 000 52911 52911

Indusind Bank 64 70 16 122 138 28998 243331 272329

Bandhan Bank 355 2 0 0 0 000 000 000

Private Sector Banks 1110 116 16 178 194 28998 365251 394249

BGVB 587 41 10 34 44 19333 63124 82457

PBGB 230 11 6 7 13 9891 13440 23331

UBKGB 142 2 0 2 2 000 4401 4401

RRBs 959 54 16 43 59 29224 80965 110189

Total 7768 3060 980 3557 4537 2002800 7032946 9035746

TotalNo of

SCSTSCST

STAND UP INDIA PROGRESS REPORT OF WEST BENGAL AS ON SEPTEMBER 2018 (Since Inception)

Loans given to

Loan Outstanding

under the Scheme

Name of the Bank

Total no

branches

in the

Number

branches

Agenda15- Strengthening of Ecosystem for MSME

A 100 day campaign has been launched in 100 Aspiration Districts throughout the country

on 02-11-2018 for strengthening and supporting the MSMEs and reaching out to them

through various credit plus services by banks as well as number of ministries with

leveraging of the technology and connection to the platforms in a targeted manner

The government will also focus more on issues such as ease and access to credit ease

of cash flow access to the market coverage of employees under social security benefits

quality certification and ministry interventions in the identified deliverables

Prabhari Officers at Addl Secretary Jt Secretary level has been appointed to work in

tandem with the State Governments along with senior executives from the banks have

been nominated as Nodal Officer for overseeing the program The deliverables assigned

to the various verticals are as follows

bull Opening of Jan Dhan ac enrolment of MSME entrepreneurs under PMSBYPMJJBY

bull Restructure of MSME loans

bull 59 minutes loan sanction

bull Coverage of loans under CGTSME guarantee scheme

bull Onboarding of MSME entrepreneurs on TReDS platform for bill discounting facility

bull Onboarding of MSME entrepreneurs on GeM to encourage procurement by e-

commerce

bull Credit linkage to RSETI trainees

bull Credit linkage to PM Kaushal Krendra trainees

bull Sanction of MUDRA amp PMEGP loans

bull Enrolment of MSME entrepreneurs under EPFOESICetc

In West Bengal the districts of Nadia Murshidabad and Bankura have been selected as

Aspiration Districts with Handloom being identified as the cluster activity for Nadia amp

Murshidabad while Handicraft is the chosen activity for Bankura district

The Lead District Managers under the guidance of the Prabhari and Nodal Officers are to

play a major role for ensuring the success of the program along with extension of full co-

operation from the participating banks in the 3 districts The success of the program is

expected to benefit the banks in augmenting the MSME advance and management

thereof in a convenient amp speedier manner

AGENDA- 16 RECOVERY POSITION REVIEW

And Status of SARFAESI CERTIFICATE CASES etc

While monitoring the position of NPA The percentage of Gross NPA stood at 1479 as

on June 2018 in the State of West Bengal Amount in absolute terms reached to Rs

6057435 crore as on June 2018

NPA Position for last 6 years of West Bengal is furnished hereunder

(Rs in crore)

Gross Advance Gross NPA

Amount Amount to Gross NPA

Marchrsquo2013 26266201 1697256 646

Marchrsquo2014 31187609 2321699 744

Marchrsquo2015 35692506 3308671 927

Marchrsquo2016 35601100 4390414 1233

Marchrsquo2017 36764287 5504925 1497

Marchrsquo2018 41511506 6410519 1544

Septrsquo 2018 42304965 5677318 1342

With the increasing trend of fresh slippages recovery efforts of the banks suffered

compounding the asset quality concerns as evidenced by the increasing trend in

percentage of NPA Further bearing testimony to the poor recovery efforts of the

banking system are the trends in the ratio of upgradation to slippages

Significantly the NPA level has been reduced from March 2018 to Sept 2018 by

733201 which augurs well for the industry saddled with increasing trend of NPA

generation for last 5 years It is due to big ticket recovery in NCLTDRT cases in

the State as well as loans sanctioned outside the State but utilized in the State as

well as recovery proceedings initiated under SARFAESI Act2002 Going forward

we expect further reduction in NPA level

Recovery Mechanism amp Performance

Overall recovery percentage consisting of three broad sectors viz Agriculture MSE and OPS as

on 30092018 stood at 60

Recovery Status of PRISEC loans as on 30092018 (Amt Rs in crore)

Sector

Sept 2017 Sept 2018

Demand Recovery Demand Recovery

Agriculture amp allied 12189 6593 54 13262 7418 56

MSE 9952 5249 53 14418 9186 64

OPS 4457 2214 50 7025 4316 61

TOTAL 26598 14056 53 34705 20921 60

Observation The year to year comparison clearly reflects improvement in recovery scenario

from 53 to 60 which is in conformity with the reduction in gross NPA to 1342 on 30-09-2018

from the high of 1544 on 31-03-2018 The effects of NCLT process strengthening of internal

recovery mechanism by banks coupled with post Demonetisation improvement in economy have

contributed to the reduction in NPA

STATUS OF PDR CASES AS ON 30092018

The issue of posting of Certificate Officers at the Sub Division amp Districts to dispose of the pending

cases as well as to take care of the future cases has been discussed in 139th SLBC Meeting

Subsequently as directed a separate letter has been written to the Chief Secretary GoWB in

this regard As on 30092018 there are 9882 PDR cases pending and the he Certificate Officers

may be advised to dispose of the cases

Status on Cases filed Cases settled

No Amt (in Cr) No Amt (in Cr)

30-06-2018 14840 18956 4959 3484

30-09-2018 14856 18970 4974 3502

Recovery under SARFAESI Act2002

It is observed that over 1116 cases as reported by the banks are pending at various offices of

District Magistrates for varying period Speedy disposal for DM Permission will enable the banks

to take possession of the securities and enforce the sale process for recovery All the Banks are

again advised to send the updated list of pendency to SLBC+

lt 60 Days gt 60 days amp lt 6 months gt 6 months amp lt 1 year above 1 year Total

62 115 224 715 1116

No No Amount No Amount(1) (2) (3) (4) (5) (6)

1 Allahabad Bank 1911 37388 169 67692 Andhra Bank 0 0 0 0

3 Bank of Baroda 0 0 0 0

4 Bank of India 456 44800 241 301005 Bank of Maharashtra 0 000 0 0006 Canara Bank 0 000 0 0007 Central Bank of India 985 217456 265 189958 Corporation Bank 0 0 0 0009 Dena Bank 0 000 0 00010 Indian Bank 62 13054 30 982611 Indian Overseas Bank 248 17426 62 800212 Oriental Bank of Commerce 0 000 0 00013 Punjab National Bank 0 000 0 00014 Punjab amp Sind Bank 0 000 0 000

15 Syndicate Bank 0 000 0 000

16 State Bank of India 1675 527515 125 2841617 Union Bank of India 0 000 0 018 United Bank of India 3895 452102 874 4905619 UCO Bank 3852 54402 2754 3409620 Vijaya Bank 0 000 0 000

A Total 13084 1364143 4520 18526

21 HDFC Bank 0 000 0 00022 AXIS Bank (UTI) 0 000 0 0000 ICICI Bank 0 000 0 000

B Total 0 0 0 0

24 BGVB (UBI) 394 47947 78 9500

25 PBGB (UCO) 462 80126 194 90806

26 UBKGB 167 7185 40 3695

C RRBs Total 1023 135258 312 104001

D WB St Co-opBk 749 397663 142 60983

14856 1897064 4974 350244

Cases Settled

Cases filed

PUBLIC SECTOR BANKS

(Rsin lac)

DISPOSAL OF CERTIFICATE CASES AS ON 30092018

PENDING POSITION OF DMrsquoS PERMISSION UNDER SARFAESI

Bank Name

Total No of cases pending for accordance of DMs permission

Pending below

60 Days

Above 60 days

below 6 months

6 months to

1 year

1 year and

Total pending as

on 30092018

Bank of Baroda 6 5 40 76 127

IOB 2 4 6 6 18

IDBI Bank 0 3 13 65 81

Indian Bank 0 0 5 1 6

United Bank of

26 52 134 457 669

Syndicate Bank 4 1 1 36 42

BGVB 1 12 22 68 103

PBGB 23 38 3 6 70

Total 62 115 224 715 1116

District Name

Pending below

60 Days

Above 60 days

below 6 months

6 months

to 1 year

1 year and

Total pending as

on 30092018

24 Parganas North 7 38 14 39 98

24 Parganas South 5 9 35 213 262

Bankura 0 0 0 8 8

Birbhum 2 7 0 2 11

Dakshin Dinajpur 0 0 13 15 28

Darjeeling 0 0 1 5 6

Hooghly 9 12 10 69 100

Howrah 15 10 7 37 69

Jalpaiguri 0 0 4 5 9

Jhargram 0 0 2 0 2

Kolkata 2 1 1 15 19

Malda 0 0 14 44 58

Murshidabad 18 0 82 109 209

Nadia 0 5 10 18 33

Paschim Bardhaman 2 8 6 14 30

Paschim Medinipur 1 6 4 20 31

Purba Bardhaman 1 15 8 9 33

Purba Medinipur 0 4 8 76 88

Purulia 0 0 0 4 4

Uttar Dinajpur 0 0 5 13 18

Total 62 115 224 715 1116

Agenda 17 FINANCIAL LITERACY CAMPS amp AWARENESS DRIVES

Financial Literacy is the first step towards financial prosperity Financial literacy

empowers the common man with knowledge which enables better financial decision

making and ultimately financial well-being of the person

In order to create awareness at a large scale on key topics every year Reserve Bank of

India (RBI) has decided to observe one week in 2018 as lsquoFinancial Literacy Weekrsquo The

messages identified for the week are (a) Know Your Customer (KYC) (b) Exercising

credit discipline (c) Going digital ndash UPI (d) Going digital 99(USSD) and (e) Awareness

of grievance redressal mechanism The Week was observed during June 4-8 2018 with

the theme of customer protection and focus on four consumer protection messages viz 1

Know your Liability for unauthorized electronic banking transaction 2 Banking

Ombudsman 3 Good practices for a safe digital banking experience and 4 Risk Vs

Return

As to the Financial Literacy all the Lead District Managers and the RSETIs are

designated centres for promotion Financial Literacy and are regularly holding Camps

covering general population as well as specific targets like students farmers senior

citizens SHGssmall entrepreneurs etc

The quarterly progress for the year 2018-19 is given hereunder

Best performing districts in terms of number of camps Purba Burdwan 208 Paschim Burdwan 208 Howrah 152 Best performing districts in terms of number of participants Paschim Burdwan 5417 Hooghly 5254 Purba Burdwan 4923

Quarter No of

General

Number of

participants

No of camps

for specific

target group

Number of

participants

Participants

June18 1080 25112 712 19046 1792 44158

Sept18 885 27793 868 26307 1753 50100

AGENDA- 18 REVIEW OF FUNCTIONING OF RSETIs

REVIEW OF FUNCTIONING OF RSETIs

In West Bengal 19 RSETIs are sponsored by various Banks as per MoRD guidelines and

are functioning in the following districts

Bank wise sponsorship of RSETIs are as under

Sl Sponsoring Bank No of RSETIs District covered

1 United Bank of India 6 Bankura Dakshin Dinajpur Howrah

Purulia South 24 Parganas

Uttar Dinajpur

2 Central bank of India 3 Darjeeling CoochBehar Jalpaiguri

3 UCO Bank 3 Hooghly Howrah Burdwan

4 State Bank of India 2 Malda Nadia

5 Allahabad Bank 2 Birbhum Paschim Medinipur

6 Punjab National Bank 1 Purba Medinipur

7 Bank of India 1 North 24 Parganas

8 Syndicate Bank 1 Murshidabad

In addition to imparting training to rural youths for capacity building and taking up

vocational as well as entrepreneurial enterprises through bank linkage and self-

employments RSETIs are also being inducted for extending support to the institutions

organizations under National Skill Development Mission The focus is on counseling and

providing hand holding support in accessing institutional credit

The position of Settlement and Bank Linkage cases is given hereunder

Period Number of

programs

Number of

candidates

Total no of

Settlement

percentage of

Settlement

Credit linkage

out of settlement

For 2018-19 228 6130 1464 2388 814

inception

3879 102579 74354 7248 41732

RSETIs with above 80 settlement Jalpaiguri (CBI) amp Howrah (UBI)

RSETIs with below 65 settlementBirbhum (Allahabad Bank)Purulia 24 PG(S)UBI

NB RSETIs at Darjeeling (Central Bank of India) amp 24PG(N) of Bank of India are to

update the portal data for 2018-19

Bank Own

Birbhum (Bolpur) Allahabad Bank 196 5704 3695 2723 972 6 3701 6488 7369

West Midnapore (Debra) Allahabad Bank 166 5382 3890 3112 778 251 4141 7694 80

North 24 Parganas Bank of India 216 5571 4306 2448 1858 2 4308 7733 5685

Coochbehar Central Bank of India 103 2504 1853 862 991 21 1874 7484 4652

Darjeeling Central Bank of India 75 1909 1395 727 668 38 1433 7507 5211

Jalpaiguri Central Bank of India 224 4561 3601 3006 595 96 3697 8106 8348

Purba Midnapore Punjab National Bank 184 5300 3826 1757 2069 41 3867 7296 4592

Berhampore Murshidabad Syndicate amp Canara Bank 250 7308 5187 2580 2607 0 5187 7098 4974

Malda State Bank of India 179 5429 3537 1973 1564 562 4099 755 5578

Nadia (Haringhata) State Bank of India 162 4189 2819 1098 1721 73 2892 6904 3895

Burdwan UCO Bank 196 4946 3255 1794 1461 0 3255 6581 5512

Hooghly UCO Bank 217 5632 3851 3218 633 0 3851 6838 8356

Howrah UCO Bank 161 4799 3433 3415 18 0 3433 7154 9948

Bankura (Ranbahal) United Bank of India 254 5909 3468 1868 1600 548 4016 6796 5386

Dakshin Dinarpur(Balurghat) United Bank of India 164 4548 3167 1977 1190 206 3373 7416 6243

Howrah United Bank of India 555 13952 11257 2643 8614 599 11856 8498 2348

Purulia United Bank of India 145 3694 1856 1199 657 0 1856 5024 646

South 24 Parganas United Bank of India 258 6880 4317 3574 743 40 4357 6333 8279

Uttar Dinajpur United Bank of India 174 4362 3089 1758 1331 69 3158 724 5691

3879 102579 71802 41732 30070 2552 74354 7248 5812 Total

Settlement

Credit Linkage

State West Bengal

Status of RSETI wise Settlement of Trained Candidates (Cummulative up to 30092018)

RSETI NameSelf EmployedNo of

Programs

Trained

Settled

without

Employed

Settled

Employed

Total Settled

with WageSettlement Credit Linkage

Bank Own

North 24 Parganas Bank of India 11 267 0 0 0 0 0 0 DIV0

Darjeeling Central Bank of India 4 79 0 0 0 0 0 0 DIV0

Burdwan UCO Bank 10 285 13 13 0 0 13 456 10000

Hooghly UCO Bank 13 326 99 95 4 0 99 3037 9596

Howrah UCO Bank 11 248 53 53 0 0 53 2137 10000

228 6130 1367 814 553 97 1464 42445 5955 Total

Status of RSETI wise Settlement of Trained Candidates (From 01042018 to 30092018)

State West Bengal

Total Settled

without wage

Trained

Programs

Self EmployedRSETI Name

AGENDA- 19 UNRESOLVED ISSUES RELATED TO DCC DLRC IF ANY

LDMrsquos are to submit the calendar for DCCDLRC to SLBC

DCC amp DLRC must necessarily be held as prescribed periodicity with invitation

must be sent to Public representatives

LDMrsquos must intimate all DCOs well in advance for attending the statutory meeting Respective banks will advise the DCOs accordingly

Unauthorized absence from the meeting should be brought under the notice of

controlling office of respective Banks as well as SLBC

Proper data base of bank wise block wise credit should be maintained

Action Points emerging in the DCCs are to be acted upon by concerned banks departments and action taken reports should be discussed in next meeting

Financial literacy campaign related issues are to be regularly discussed in

DCCDLRC meeting

As per latest directives DCC is to discuss regarding progressdevelopment made wrt Skill Development Mission

Agenda 20 ndash Miscellaneous

20 (i) PMEGP loans (Amount in Lakh)

Name of

Agency

No of Appl

Forwarded

to Banks

Sanctioned By Bank EDP

training

Rejection

by Bank

Pending at Bank

No Margin Money

Amount

DIC 2244 396 134730 309 268 1580 410652

KVIB 2004 297 103774 243 347 1360 400013

KVIC 273 47 19025 46 30 196 63491

Total 4521 740 257529 598 645 3136 874156

Banks will have to ensure that all pending proposals are disposed in time with completion of the

EDP training and lodging of claim for Margin Money A proactive approach will improve the MSME

portfolio as well It is also one of the deliverables by Banks under the ongoing Strengthening of

Ecosystem for MSME

20(ii) SVSKP loans It is observed that large number of loan proposals are pending with the branches though some

acceleration in disposal process was observed of late A special meeting with the SHG amp SE

Department was held on 11-10-2018 Some of the points of discussion was

bull Banks will dispose off all the pending loan proposals in a time bound manner

bull The pending subsidy released for the loans before 2016-17 but not yet disbursed must

be returned to WBSCL immediately

bull No proposals should be returned to the sponsoring agency on vague amp flimsy ground

bull Banks should enlist the support of the Motivators in monitoring amp recovery of the loan

bull Incidence of overall NPA in certain branches may not be treated as reason for rejection of

bonafide applicants

As discussed SLBC forwarded a check-list and a proforma on techno-economic feature study for

use by sponsoring agency and banks for disposal of the proposals in a better way

Performance of SVSKP Year-wise for past 3 years (Amount in Lakh)

Sponsored

Sanctioned

Disbursed

(upto 310318)

Sanctioned but

Pending for

disbursement

No No Amount No Amount No Amount

2016-17 68527 30965 8254905 30646 2475191 319 22479

2017-18 95049 47944 12554805 42474 3309893 5470 369251

2018-19

(upto 300918)

55818 21140 5824696 12375 568016 8765 676727

20(iii) PMJDY Report as on 30092018 (Cumulative)

Bank Type Total Ac Deposit (in lakh) Zero Balance Ac

PSU Bank 33658182 2237148 3833377

RRB 4830213 124130 1009922

PVT Bank 169179 2199 55658

Total 38675331 2364203 4907574

Bank Type No of Rupay Debit card Issued Aadhar Seeding

PSU Bank 28006689 24823018

RRB 2596573 3281753

PVT Bank 162698 70374

Total 30668282 28239142

PMSBY PMJJBY APY Progress Status

Status as on PMSBY PMJJBY APY

31032018 5585206 1253089 472248

30-09-2018 6499195 1704341 482235

( NBPMSBY amp PMJJBY figure includes both new enrolment amp yearly renewal cases)

Banks should cover all MSME entrepreneurs under these social security

schemes under Strengthening of Ecosystem for MSME program

Details of claim amp Settlement in PMSBY amp PMJJBY

Scheme Claims Made Claims Settled Pending Rejected

PMSBY 803 500 249 54

PMJJBY 4045 3580 334 131

1 Allahabad Bank Submitted 20112018

2 Andhra Bank Submitted 29102018

3 Bank of Baroda Submitted 03112018

4 Bank of India Submitted 02112018

5 Bank of Maharshtra Submitted 17112018

6 Canara Bank Submitted 15112018

7 Central Bank of India Submitted 01112018

8 Corporation Bank Submitted 23102018

9 Dena Bank Submitted 29102018

10 Indian Bank Submitted 14112018

11 Indian Overseas Bank Submitted 08112018

12 Oreintal Bank of Commerce Submitted 24112018

13 Punajb Nationa Bank Submitted 09112018

14 Punjab amp Sind Bank Submitted 26112018

15 Syndicate Bank Submitted 05112018

16 State Bank of India Submitted 12112018

17 Union Bank of India Submitted 26112018

18 United Bank of India Submitted 21102018

19 UCO Bank Submitted 12112018

20 Vijaya Bank Submitted 02112018

21 IDBI Bank Submitted 07112018

22 HDFC Bank Submitted 23102018

23 AXIS Bank Ltd(UTI) Submitted 15102018

24 ICICI Bank Submitted 31102018

25 Kotak Mahindra Bank Ltd Submitted 15112018

26 Federal Bank Submitted 26102018

27 Indusind Bank Submitted 23102018

28 Yes Bank Submitted 25102018

29 SIDBI Submitted 02112018

30 Bandhan Bank Submitted 07112018

31 Ratnakar Bank Ltd Submitted 20102018

32 South Indian Bank Submitted 11102018

33 BGVB (UBI) Submitted 23102018

34 PBGB (UCO) Submitted 30102018

35 UBKGB Submitted 26102018

36 WB St Co-opBk Submitted 31102018

37 WBSCARD Bank Ltd Submitted 08112018

38 UJJIVAN SF BANK Submitted 12112018

39 UTKARSH SF BANK Submitted 17102018

40 Jana Small Finance Submitted 02112018

41 Tamilnadu Mercantile Bank Submitted 13112018

42 IDFC Submitted 12112018

S No Received onStatus Bank Name

Status of SLBC report submitted by Banks for Sept 2018

first page exepdf

indexpdf

143rd slbc executive summarypdf

143rd executive summarypdf