Embed Size (px)
Citation preview
To approve proceedings of the 21st DLCC & 2st DLRC Meetings for the Year 2018-19 held on 04.12.2018 and discussion on compliance of Action Points of the meeting
1 (a) Confirmation of the proceeding of Last Meeting held on 04.12.2018
The proceedings of the 21st DLCC Meeting and 2rd DLRC Meeting for the year 2018-19 of Aravalli district held on 04.12.2018 were circulated to all the members by Lead Bank Cell, Aravalli vide their letter no. DB/LBC/246/2018 Dt. 19th Dec 2018 since, no members has suggested any changes/ amendment, etc., the same may be taken as read and confirmed.
1 (b) ATR on Action Points of previous meeting
Sr No.
Action Point Action Taken By Status of ATR
1 DBTL and ADHAR seeding.Our DDO sir has advised all bank to complete aadhar seeding all eligible account for DBTL.
All district coordinators to implement the same
All member banks have implemented the same and Aadhar seeding is done on priority basis. Up to 77.24% seeding is done.
2. Our DDO & LDO from RBI asked the banks to focus on MSME advances.
All banks to implement the same.
Banks are focusing on MSME and mudra advances.
3 Increasing mobile seeding and to involve BCs in educating for digital payment.
All district coordinators to implement the same.
BC sensitization training for six days is organized atRSETI, focused on Digitalization, Mudra, other govt. schemes, DBTL and basic banking.
Page 1 of 23
AGENDA NO:1
Review of Key Banking Parameters in District for quarter ended Dec 2018.
Amt in Crore
Sr.No Details
Last Quarter -Sept-18
Last Corresp.Period-Dec-17
Present
Quarter-Dec-
18
Growth Q-O-Q
Growth Y-O-
Y
1.a Branch Expansion
Urban & Metro 0 0 0 0 0Semi Urban 60 56 60 0 4Rural 75 69 75 0 6Satellite Office 0 4 0 0 -4Total 135 129 135 0 6
1.b ATMs Expansion
Rural 35 35 35 0 0Semi Urban 92 90 92 0 2Urban & Metro 0 0 0 0 0Total 127 125 127 0 2
2Deposit 3383 3140 3398 15 258Growth 0.44% 8.22%
3Advances 2637 2540 2705 68 165Growth 2.58% 6.50%
4 CD Ratio 77.95% 80.89% 79.61%
5Priority Sector 2344 2317 2403 59 86Growth 2.52% 3.71%% to Total Advances 88.89% 91.22% 88.84%
6 Agriculture Advances 1851 1773 1909 58 1366.a Growth 3.13% 7.67%6.b % to Total Advances 70.19% 69.80% 70.57%7 MSME 195 192 217 22 25
7.a Growth 11.28% 13.02%7.b % to Total Advances 7.39% 7.56% 8.02%8 Weaker Section Advances 1170 827 1185 15 358
8.a % to Total Advances 44.37% 32.56% 43.81%
9Kisan Credit CardNumber 34913 33145 40114 5201 6969Amt O/S 1366 1340 1391 25 51
Bank wise Data as per Annexure-1 & 2 Page No: 24 &25
Page 2 of 23
AGENDA NO:2
During the review quarter ended Dec – 2018, as compared from 30 th Sept 2018, No Bank branch was added to the banking network in the district. Thus, there are 135 branches of 21 banks working in the district as at the end of Dec – 2018
Deposit Increased by 258 crore over previous Year and stood at Rs.3398 crore There is increased by 8.22% on Y-to-Y basis. Advances increased by Rs. 165 crore and stood at Rs. 2705 Crore There is increased by 6.50% on Y-to-Y basis at the end of Dec - 2018.
The CD ratio at the end of quarter was at 79.61 %.
CD Ratio Below 40%
Sr No
Name of Bank CD Ratio Sept-18
Cd Ratio Dec-18
Variation over privious Quarter
1 PNB 39.41 32.43 (-)6.982 Axis Bank 30.86 37.34 6.48
The CD Ratio of Punjab National Bank & Axis Bank is below 40%, where these banks are require to put in special effors to increse the same . The District Coordinator of the PNB & axis Bank are reqested to initiate immidiate action to improve CD Ratio
Priority sector advances increased by Rs. 86 Crore over previous Year and increased by 3.71 % Y-to-Y and stood at Rs. 2403 Crore. That is 88.84% against bench mark of 40%.
Agriculture advance increased by 136 Crore over previous Year and increased by 7.67% on Y-to-Y basis and stood at Rs.1909 Crore that is 70.57% of total advance. against bench mark of 18.00%.
SME Sector advances Increased by Rs. 25 Crore over previous Year and increased by 13.02% on Y-to-Y basis and stood at Rs.217 Crore that is 8.02% of total advance.
Weaker Section Advance increased by Rs. 358 crore compare to previous Year and and stood at Rs.1185 crore which is 43.81%. Agaist bench mark of 10%.
There are 6969 accounts under KCC increased over the previoys year and stood at 40114 account at the end of the Dect.2018.
The W. S. Advance and P. S. Advance was above the national target. AGM, RBI vide their let. No. RPCD(AH)/814/ 02.02.00/ 2006-07 dtd. 06.09.2006 advised all banks to increase DRI advances and also lending to weaker sections in order to bring them above poverty line and improve their employment opportunities. Banks were also advised to classify the advances properly and report to Lead Bank regularly.
Page 3 of 23
To review progress made under SACP 2018-19 up to the quarter ended Dec -18
Amt. in Lacs
SR No
Sector
ACP Last Year 2017-18 ACP Current Year 2018-19
Annual Allocation
Achievement up to
Last Corresponding Quarter
of Last Year 2017-
18
Achieveme
nt
Annual Allocation
Achievement up to current Quarter
Dec-2018
Achieveme
nt
A/C Amt A/C Amt % A/C Amt A/C Amt %
1 Total Agri 143669 132060 28988 92659 70.16% 156106 152097 38236 113542 74.65%
1.a
Of which Crop Loan
124005 109554 22124 80423 73.41% 133645 124113 27205 97180 78.30%
1.b
Of which Allied+ATL
19664 22506 6864 12236 54.37% 22461 27984 11031 16362 58.47%
2MSME 2668 5706 942 4256 74.59% 3635 6771 2003 9825
145.10%
3 Others PS 4334 7177 795 4688 65.32% 8056 23671 194 8072 34.10%
4
Total Priority Sector
150671 144943 3072510160
3 70.10% 167797 182539 40433 131439 72.01%
Bank wise Data as per Annexure-3 to 9 Page No: 26 to 32
For Third quarter of 2018-19, banks have made total fresh disbursement of Rs. 131439 lakhs under Priority Sector, as against the annual target of Rs.182539 lakhs thereby registering achievement of 72.01% against the SACP target for the year 2018-19 upto Dec- 2018 which is higher then the corrusponding quarter of the priovious Year i:e 70.10%Lead Bank has already sent bank-wise plan v/s performance to all controlling offices of the Banks to review the performance of their branches and advised them to monitor the SACP 2018-19 of the branches under their control. This data is generated on the basis of LBR-2 & U2 submitted by the branches & Key indicator submitted by Dist Co-ordinator upto Dec - 2018 received up to 31.12.2017
Page 4 of 23
AGENDA NO:3
to Lead Bank Cell, Aravalli and the submission rate of LBR-2 is 62 % up to the quarter ended Dec - 2018.All banks are requested to send their LBR statements timely to reflect their actual achievement in SACP.
Progress under PMJDY,PMJJBY, PMSBY,APY, Financial Inclusion and role of BC’s
4.1 Progress under PMJDY, PMJJBY, PMSBY and APY.
Three schemes pertaining to “Social Security Schemes in insurance and Pension Sector” was launched by Shri Narendra Modi Hon’ble Prime Minister of India on 15.08.2014 for PMJDY and PMJJBY, PMSBY, and APY on 09.05.2015.
A. Pradhan Mantri Jan Dhan Yojana (PMJDY)-For opening of account with zero balance and benefit of Rupay card insurance.
B. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-For life insurance cover. Age group 18 to 50 year.
C. Pradhan Mantri Suraksha Bima Yojana (PMSBY)-For accidental death Insurance. Age group 18 to 70 year.
D .Atal Pension Yojana (APY). Age group 18 to 40 year.
The progress under PMJDY the above scheme up to 31.12.2018 is as under.Distric
t No. of Accounts opened Out of which, total
Aadhar Seeded
Accounts
% Aadhaar Seeding
Total numbe
r of RuPay Cards issued
% Rupay card
issuedRural Urban Total(Rural+Urban)
Aravalli
211483
100372 309155 238783 77.24% 21837
670.64
% Bank wise Details is enclosed as Annexure –10 Page No:
33
As per the above report 77.24% of the PMJDY accounts have been seeded with Aadhaar number till 31.12.2018. Banks are require to expedite the process of
Page 5 of 23
AGENDA NO:4
Aadhaar seeding & Aadhaar Authentication in all operative CASA accounts as per the directive of DFS, MoF, GOI.
Further, Vide letter no: 6/7/2017-18-Fi , Dated 07.09.2018,from DFS, Govt. of India, there is a Continuation of comprehensive Financial Inclusion Mission (PMJDY) with the changes focus of accounts from “every household” to ‘every adult’ with following modification.
1. Existing overdraft limit to PMJDY account holders of Rs.5000 has raised to Rs.10000
2. Age limit of 18-60 Years has been revised 18-65 years.3. There will not be any condition attached for OD up to Rs.20004. Accident insurance cover for new RuPay card holder has been raised from
Rs.1 Lacs Rs.2 Lacs to new PMJDY accounts open after 28.08.2018
The details circular in this regard is provided as Annexure-A (Page No: 53 )
Progress in enrolment in Social Security Schemes: - Number of account enrolled up to 31-12-2018 is as below.
A. PMSBY and PMJJBY
Progress in enrollments and claim settlement percentage (%) under PMSBY & PMJJBY as of 31.12.2018 is as below
Particular PMJJBY PMSBYTotal enrollment Sept-
2018Dec-2018 Sept-
2018Dec-2018
44060 46232 97949 101960Claim Settlement status as on 30.09.2018
Claim Lodged 126 21Claim Paid 118 16Claim Rejected 0 0Claim under process 8 5Claim pending with issuer 0 0Settlement %age 93.65% 76.19% Bank wise Details is enclosed as Annexure –11A & 11B Page No: 34-35
There are 6183 new accounts were added during the quarter under the Social Security Scheme i:e PMJJBY & PMSBY.
DFS, MOF, Govt. of India, vide its circular No: H-12011/2/2015-Ins-II dated 12.06.2018 suggested modification in the Scheme of PMJJBY to encourage eligible and potential account holder to join PMJJBY at a letter stage. The following modification has been suggested.
Page 6 of 23
In order to encourage eligible account holder to join the scheme at later stage payment of Pro-rata premium for enrolment under PMJJBY would be allowed, with the minimum of Rs.86/- for one quarter required to be paid even if a person enroll under the scheme one or two months before the end of the policy year (i:e if he enrolls in March, April or May )A June, July & August Annual premium of Rs.330/- is PayableB Sept, Oct & Nov 3 Quarter of Premium @Rs.86.00 i:e Rs.258/- is
PayableC Dec, Jan & Feb 2 Quarter of Premium @Rs.86.00 i:e Rs.172/- is
Payabled March, April & May 2 Quarter of Premium @Rs.86.00
The details circular in this regard is provided as Annexure-B (Page No:56 )
B. Atal Pension Yojana (APY)
Particular FY 15-16
FY 16-17
FY 17-18
FY 18-19
(Up to 31.12.2018
)
Total
Total No.of enrollments 1426 2458 2225 3493 9602
Average enrollment per branch 12 20 17 26 71
Bank wise Details is enclosed as Annexure –11C Page No: 36
The Dept. of Financial Services, MoF has set Bank wise targets for the FY 2018-19 as following
Sr No
Category of Bank Target allotted
1 Major Bank ( includes PSBs, HDFC Bank, Axis Bank, ICICI Bank )
Target of 60 APY accounts per branch for FY 2018-19
2 Regional Rural Bank Target of 50 APY accounts per branch for FY 2018-19
3 Private Bank Target of 25 APY accounts per branch for FY 2018-19
4 Co-Operative Bank Target of 15 APY accounts per branch for FY 2018-19
Call Centre Services –Toll Free Number-18002331000 for PMJDY and Toll Free Number -18002338944 for PMMY
As per the instruction of Department of Financial Services, Ministry of Finance , Govt. of India, A Call center is being operationalized by SLBC (GUJARAT) for
Page 7 of 23
attending the enquiries and for grievances redressal of the general public under Pradhan Mantri Jandhan Yojana (PMJDY), Social Security Scheme and Pradhan Mantri Mudra Yojana in Gujarat.
4.2 Financial Inclusion Plan: Road Map for providing regular Banking services in Villages / Unbanked Centers.
A. Opening of Banking Outlets in Unbanked Rural Centres as per Rationalisation of Branch Authorisation Policy (Revised guidelines dtd. 18th May’2017)
RBI vide it’s letter dtd. 18th May’2017 issued the revised guidelines on Rationalization of Branch Authorisation Policy in which several changes were brought in alongwith redefining of the “Banking Outlets”.
As per the above guideline, State Level Bankers Committees (SLBC) shall enable the Banks to have information on Unbanked Rural Centres. In view of this, SLBC, Gujarat introduced a portal wherein all Banks have updated the details of “Banking Outlet” present in Tier 5 and 6 centres in the State. After receiving updates from Banks, SLBC enlisted the “Unbanked Rural Centre (URC)” and displayed the same on it’s website. This list will facilitate Banks to choose/ indicate the place where they wish to open a “Banking Outlet”.
In the above list of “Unbanked Rural Centre (URC)” the details of “Banking Outlet” details of Payment Banks, Local Area Bank and licensed Urban Co-operative Bank is not available. As soon as this details will become available with SLBC, same will be updated in the list of “Unbanked Rural Centre (URC)”.
B. Opening of “Banking Outlet”in villages having population above 5000, in light of the revised guidelines on rationalisation of Branch Authorisation Policy :
RBI vide letter No. FIDD.CO.LBS.BC.No. 31 / 02.01.001 / 2016-17 dated 08 th June, 2017,advised SLBC Convenor Banks to review and identify the Unbanked Rural Centres (URCs) in villages with population above 5,000, in light of the revised guidelines on rationalisation of Branch Authorisation Policy and ensure that such unbanked rural centres in villages with population above 5000, if any, are banked forthwith by opening of Banking outlet. A confirmation stating that all Unbanked Rural Centres(URCs) in villages with population above 5000 have been Banked to be furnished to RBI latest by December 31,2017.
C. Deployment of additional BCs in locations not having Banking facilities within 5km:
Page 8 of 23
4.2) Financial Inclusion and role of Business Correspondents: The Business correspondents or Bank Mitras plays and pivotal role in achieving the goal of financial inclusion. Banks should take full advantage of BC model in imparting the financial services to the unbanked areas. House may discuss the same.
DFS, MoF, GoI vide it’s letter dtd. 17th May, 2018 circulated the list of 9,039 uncovered villages in different States of the Country where Banking services is not available in 5 Kms. vicinity, of which Gujarat State has 755 such centres. Further, it was also informed that there is an immediate need for deployment of BCs at inactive locations.There is no village in Aravalli District in the list.
Further, through a separate letter dtd. 17th May’2018, DFS, MoF, GoI informed that Ministry of Rural Development has suggeted that Self Help Group members are more suitable as BC for financial inclusion activities. For SHG members it will be an additional income and hence lower attrition is expected. Moreover, MoRD will provide for Tablet/ Micro ATM and there will not be any cost to Bank.
Therefore, Banks may map such Villages of their district with allottee Bank branch and request them to deploy BCs as advised by DFS, MoF, GoI.
Progress under PMMY and Stand Up India Scheme
Pradhan Mantri MUDRA Yojana (PMMY) was launched on 08.04.2015 by the Hon’ble Prime Minister Shri Narendra Modi, is set up as a subsidiary of SIDBI
Progress under the scheme for current year is as below. (01.04.18 to 31.12.2018)
Amt. in LacsSR No.
Category
Sept-2018 Dec-2018No. of
A/cs
Sanctioned Amt
Disbursed Amt
No. of
A/cs
Sanctioned Amt
Disbursed Amt
1 Shishu 2661 1061 1061 2685 1067 10672 Kishore 1772 3121 3121 2017 3846 38463 Tarun 253 1474 1471 325 1922 1922
Total 4691
5657 5657 5027
6836 6836
Bank wise Details is enclosed as Annexure –12 Page No: 37
Page 9 of 23
AGENDA NO:5
There are 336 accounts under the Pradhan Mantri Mudra Yojana was sanction in the current quarter amounting of Rs.11.79 Crore
Standup India Scheme:
As you are aware, the captioned scheme was announced by the Hon’ble Prime Minister during the Independence Day address to the Nation on 15 August 2015 and the scheme was launched on 5th April 2016. Under the scheme, loans between Rs.10 lakhs and Rs.100 lakhs for Green Field Enterprises set up by SC/ST and Women Borrowers are to be provided by the branches of Commercial Banks and RRBs. Each of the branches of Commercial Bank/RRB is to extend loans under the captioned scheme, to at least one SC/ST and one woman borrower.In this scheme rate of interest is not to exceed MCLR+3%, credit facility should be only for green field project only , credit facility should compulsory be composite loan inclusive of term loan and working capital and guarantee support for collateral free loans.(NCGTC-National credit guarantee trust company).Total loan applications sanctioned are 7 for Rs 110 lacs from the date of the scheme launched and NIL application (1st April 2018- 30th Dec. 2018)
Since the performance under the scheme is not up to the mark, all stakesholders are requested to take note of the following action points to improve performance during the current financial year.
Branches and LDMs have to visit the Standupmitra portal on regular basis. DIC, Banks, NABARD and SIDBI have to organize the seminar / workshop /
townhall meeting to impart more awareness of the scheme in the State. Display of Banner / Poster showing the salient features of the scheme at
Branch / ATM premises. DIC / NABARD / SIDBI may give advertisements through newspaper or local
media to make wide publicity of the scheme. SC / ST welfare and Women development department may take lead to
generate good number of application under the Scheme.
To review progress made under various Govt. sponsored programs for the year 2018-19 up to the quarter ended Dec-2018 (Qtr. –III), and pending subsidy status under VBY,DIC
6.1 Other Central Government & State Sponsored Schemes:
Name of
Schem
Dept.
Target
No. of Applications % Achievemen
tSponsor
edSanctione
dRejecte
dPendin
gPage 10 of 23
AGENDA NO:6
eVBS State 600 1802 808 375 619 134.67%DTTO State 10 107 11 70 26 110%NULM Individual (SEP-I)
Central 15 73 24 20 29 160%
NULM Group (SEP-I)
Central 1 3 2 1 0 200%
NULM SHG Bank Linkage
Central 15 31 17 8 6 113%
DCWD State 211 350 95 80 175 47.26%GWEDC
State 23 64 6 1 27 26.09%
GSCEDC
State 141 64 5 1 58 3.55%
Bank wide details as per Annexure - 13 & 19 Page No: 38 to 44
VAJPAYEE BANKABLE SCHEME :
The achievement against the target stood at 134.67% at the quarter ended Dec -2018 as against 84.23% achievement for the corresponding period of the Previous year which is higher then the Previous year.
DATTOPANT THENGADI ARTISAN INTEREST SUBSIDY YOJANA
The achievement against the target stood at 110% at the quarter ended Dec -2018 as against 0% achievement for the corresponding period of the Previous year which is higher then the Previous year. The performance improved from the Sept-2018 i:e 90%
NATIONAL URBAN LIVELYHOOD MISSION (NULM-Individual)
The achievement against the target stood at 160% at the quarter ended Dec -2018 as against 107% achievement for the corresponding period of the Previous year which is higher then the Previous year. The performance improved from the Sept-2018 i:e 120%
NATIONAL URBAN LIVELYHOOD MISSION (NULM-Individual)
The achievement against the target stood at 200% at the quarter ended Dec -2018 as against 0% achievement for the corresponding period of the Previous year which is higher then the Previous year. The performance improved from the Sept-2018 i:e 0%
Page 11 of 23
NATIONAL URBAN LIVELYHOOD MISSION (SHGS)
The achievement against the target stood at 113% at the quarter ended Dec -2018 as against 53% achievement for the Previous Quarter. The performance improved significantly .
GUJARAT SCHEDULED CASTES DEVELOPMENT CORPORATION
The achievement of target in terms of cases sanctioned stood at 3.55% for the Quarter ended Dec-2018 as against 19 % for the corresponding period of previous year ,Which is lower then the previous year. All the Banks are requested to improve their performance during FY 2018-19
BANKABLE SCHEME OF DEVLOPING CASTES WELFARE DEPARTMENT
The achievement against the target stood at 47.26% at the quarter ended Dec -2018 as against 32.70% achievement for the Previous Quarter. Banks need to improve their performance under the scheme.
GUJARAT WOMEN ECONOMIC DEVLOPMENT CORPORATION
The achievement against the target stood at 26.09% at the quarter ended Dec -2018 as against 29% achievement for the corresponding period of the Previous year which is Lower then the Previous year. Banks need to improve their performance under the scheme.
6.2 Name of Scheme: - PMEGP (KVIC+KVIB+DIC)
Achievement under PMEGP up to Dec- 2018 is as under.Agency: All (KVIC+KVIB+DIC)
Agency Target
Forwarded to Bank
including carried forward
from previous
year
Sanctioned by Bank
No ofApplications
Rejectedby Bank
Pending at Bank
No of
Prj.
MM Involve No
of Prj.
MM Involve
No of
MM Involve No
of Prj.
MM Involve No
of Prj.
MM Involve
(In Lakh) (In Lakh) Prj. (In Lakh) (In Lakh) (In Lakh)
KVIC 27 67.50 203
1,026.42 36 211.68 40 158.29
127 656.45
KVIB27 67.50 22 93.33 1 8.75 14 52.73 7 31.85
DIC36 90.00 52 187.31 12 46.85 20 61.63 20 78.83
TOTAL 90 225.0 27 1,307. 49 267.28 74 272.65 154
767.13
Page 12 of 23
0 7 06
SOURCE: KVIC
As per the progress report for the quarter ended Dec-2018, against the physical target of 90, Bank have sanctioned 49 applications i:e 54.44% achievement , similarly against the Margin Money target of 225.00 Lacs , Bank have sanctioned 267.68 Lacs i:e 118.66% achievement for the quarter ended Dec-2018
6.3 Long pending (more than 6 months) subsidy claims-Scheme / bank-wise:
a. State Government Sponsored Schemes:
Name ofBank
Subsidy pending in No. of casesVBS DTAS JGY DCWD GWEDC GSCDC841 ** ** ** 1 10
**Data not available.
b. Central Government Sponsored Schemes
Name of Bank Subsidy pending in No. of casesNULM PMEGPNil Nil
To discuss progress under Pradhan Mantri Fasal Bima Yojana
Agriculture & Co-operation Department, Government of Gujarat vide their GR No. PFB-102018-1141-K.7 dated 5th April, 2018 has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) for Kharif-2018 and Rabi-Summer 2018-19 seasons. A copy of the GR issued by Government of Gujarat has been circulated by LBC vide letter dated 06.07.2018
The scheme is compulsory for all the farmers including share croppers, tenant farmers growing notified crops in notified area and availing Seasonal Agriculture Operations (SAOs) loans from Banks / Financial Institutions (i.e. loanee farmers).
Banks are requested to pass on necessary instructions to their branches to adhere to the timeline as above so that any farmer may not be deprived from the benefits
Page 13 of 23
AGENDA NO:7
of the scheme. In this Kharif season & Rabi Season (2018-19) total no of application count for loanee and non lonee farmers were 15766.
PRADHANMANTRI FASAL BIMA YOJANA-Kharif & Rabi 2018-19
Season Applications Count
Loanee Count
Non Loanee Count
Applied Crop Area (Ha)
Kharif-2018-19 12472 12331 141 15397.27
Rabi -2018-19 3294 3270 24 3878.62
Total 15766 15601 165 19275.89
Detais Bank Wise as per Annexure –21A & 21B Page No:45-46
Review of NPAs.NPA position in Arvalli District Amt in LacsParticular Amt Out standing Amt of NPA % of NPAPriority SectorCrop Loan 139122 10774 7.74%Agri TL 51870 3559 6.86%MSME 21797 1583 7.26%Other PSA 27535 1769 6.42%Total PSA 240324 17685 7.36%NPS 30198 1645 5.45%Total Advance 270522 19330 7.15%Government Sponsored SchemePMEGP Data Not Available 69.62 NAVBS Data Not Available 576 NA
Page 14 of 23
AGENDA NO:8
GSCDC Data Not Available 23 NADCWD Data Not Available 32.2 NAGWEDC Data Not Available 8.5 NAJGVY Data Not Available 2 NAOthersHousing Loan 19660 173.96 0.88%Education Loan 1108 60.28 5.44% Bank Wise details as per Annexure -22 Page No; 47
Review of recovery position in Recovery Certificate filed under State Recovery Acts.
The recovery of bank overdues is an important issue for the banks in view of RBI’s NPA norms and stress has been given to improve the recovery position of banks' overdue. It is reiterated that the PMEGP is an extremely important scheme of the Govt. of India that facilities loans from commercials banks to the educated unemployed youth to setup self-employment ventures. The success of the scheme depends primarily on the confidence of the bankers in the scheme, which, in turn, depends on the recovery of the loans already disbursed by the banks. It is required to boost up the recovery campaign by DIC & Banks jointly. This data given is old data and are not updated by banks due to some or the other reason. All district coordinators requested to give final and correct figure so that it can be reviewed in next meeting.
There were 5062 R/C-filed cases for an aggregate amount of Rs.2180 lacs, as on Sept- 2015, out of which, 5093 cases of Rs.2130 lacs are still pending at various level as of June-2015. District Authorities are requested to help in recovery of banks dues.
House may discuss the same.
Role of DENA RSETI Himatnagar in self-employment
a) All members are requested to visit RSETI premises and are requested to take full advantage of infrastructure.
b) Training at RSETIs
No. of Training Prog.
No. of persons
Cumulative during the current FY
No. of persons trained
Out of 4, trainee settled (settlement ratio)
Page 15 of 23
AGENDA NO:9
Conducted during the Qtr.
trained
since inception
No. of
Prog.
No. of persons trained
No. of trainee settled through Bank Finance
No. of trainee settled throughown Source
7 186 20 524 7312 2382 2953
The Director of Dena RSETI Himatnagar is requested to appraise the house about progress of Dena RSETI in promotion of self-employment
To discuss progress under Pradhan Mantri Awas Yojana.
10.1 Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme
In order to expand institutional credit flow to the housing needs of urban poor, credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.Beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5% for tenure of 20 years or during tenure of loan whichever is lower. The Controlling Authorities of all banks are requested to issue suitable instructions to the branches under their control and take steps to speed-up the implementation of PMAY-CLSS in the District.
Amt in LacsProgress Under Pradhan Mantri Awas Yojana PMAY (URBAN)
Name Of District : Aravalli
Nos. Of Application received for CLSS
(PMAY)
No. Of Application Approved (PMAY)
Nos. Applicants Receiving Subsidy (PMAY)
Total Approved Amount Of
Subsidy (PMAY)
Total Amount Of Subsidy Disbursed
(PMAY)
01.04.2017 to 31.03.2018
01.04.2018 to
30.12.18
01.04.2017 to
31.03.2018
01.04.2018 to 30.12.1
8
01.04.2017 to 31.03.2
018
01.04.2018 to 30.12.1
8
01.04.2017 to 31.03.2
018
01.04.2018 to 30.12.1
8
01.04.2017 to 31.03.2
018
01.04.2018 to 30.12.1
8
51 33 36 28 35 27 74.52 34.87 50 10
Page 16 of 23
AGENDA NO:10
Details Banks wise as per Annexure-23 Page No:48
17.2 Pradhan Mantri Awas Yojana – Gramin
Pradhan Mantri Awas Yojana – Gramin is a renamed and improved version of Indira Awas Yojana rural housing scheme. Under the PMAY – Gramin, the central government aims to develop 4 Crore (Increased from 3 Crore) homes for Rural Poor across the country by the year 2022.
The salient features of the scheme are;
Providing assistance for construction of 1 crore houses in rural areas over the period of 3 years from 2016-17 to 2018-19.
a. The minimum unit (house) size enhanced from 20 sq.mt.(under IAY) to 25 sq.mt. Including a dedicated area for hygienic cooking.
b. Enhancing the unit assistance from Rs.70,000 to Rs.1,20,000 in plain area and from Rs.75,000 to Rs.1,30,000 in hilly States / difficult areas / IAP districts.
c. The cost of unit (house) assistance is to be shared between Central and State Govt. in the ratio 60:40 in plain areas and 90:10 for North-Eastern and 3 Himalayan States.
d. Provision of assistance of Rs.12,000 for toilets through convergence with Swacch Bharat Mission – Gramin (SBM-G), MGNREGS or any other dedicated source of funding.
e. Provision of 90/95 person-days of un-skilled labour wage under MGNREGA for construction of house, over and above the unit assistance.
f. Identification and selection of beneficiaries based on the housing deficiency and other social deprivation parameters in SECC – 2011 data and verified by the Gram Sabhas.
g. The eligible beneficiary can also avail a loan of up to Rs.70,000 from Financial Institutions.
Review of outdoor Financial Literacy Camps conducted by Rural Branches and boost to digital payment.
RBI wide letter dated 02.03.2017, gave following guidelines for conduct of special camps by FLCs and Rural branches:
Page 17 of 23
AGENDA NO:11
Starting from I st April, 2017,FLCs/Branches have to conduct the camp as per the following schedule:
a. Two special camps per month on digital platforms i.e. UPI and USSD.
b. Target specific camps-Five camps per months (one each for farmers, SME’sSHGs,School children and senior citizen)
Further ,one camp per month has to be organized by Rural branches on Financial Awareness message,UPI,USSD, preferably on 3rd Friday of every month.
Name of Bank No.of FL Camps conducted in the district up to the quarter Dec-2018
No. of Rural branches who have conducted FL Camps during the last quarter
0 camp
(A)
1 cam
p
(B)
2 camps
(C)
More than 2 camps(
D)
Total of Rural Branches (A+B+C+D) holding camps
Dena,SBI,BOB,BOI,DGGB,DCCB, Corp
113 All FLC camps conducted by FLCC with Rural branches
113
NABARD wide Its circular No:162/DFIBT.26/2018 dated 2nd July 2018 Financial Support to Bank For Conducting Financial Literacy Programme targeting Different segment of population. Accordingly Banks May apply for Prior sanction to NABARD to avail the Financial Assistance.
Doubling of farmers income by 2022
The goal set by the Hon.Prime Minister is to double farmers income by 2022-23 is central to promote farmers welfare,reduce agrarian distress and bring parity between income of farmers and those working in non agricultural professions.In addition to the support for agricultural,R&D departments,banks can too play a pivotal role through credit linkage providing timely and adequate credit to farmers and more emphasis on term loan component.RBI vide circular RBI/2016-17/66,FIDD.CO.LBS.BC.No.16/02.01.001/2016-17 dated 29.09.2016 communicated the strategy to achieve the goal of “ Doubling Farmers Income by 2022”
Page 18 of 23
AGENDA NO:12
The strategy to achieve this goal, inter-alia,include Focus on irrigation with large budgets, with the aim of “per drop,more crop” Provision of quality seeds and nutrients based on soil health of each field. Investments in warehousing and cold chains to prevent post-harvest crop
losses Promotion of value addition through food processing Creation of a national farm market removing distortions and develop
infrastructure such as e-platform across 585 stations Strengthening of crop insurance scheme to mitigate risk at affordable cost Promotion of ancillary activities like poultry, bee-keeping and fisheries.
To discuss on Direct Benefit Transfer (DBT & DBTL) and scholarship accounts opening, progress in aadhar, mobile seeding and Aadhar Authentication and Aadhar Enrollment centers 13.1. Rejection of Government grant, welfare benefits and payments
against procurement in small accounts and rejection in inoperative/ dormant accounts, DBTL transfer
During 154th SLBC meeting, the Member Banks have been informed that DFS, MoF, GoI vide letter dtd. 28th August’2017 forwarded a copy of the Notification no.G.S.R. 1038 (E) dtd. 21/08/2017 regarding Amendment to Prevention of Money-laundering (maintenance of Records) Rules, 2005 relating to Small accounts.
This above amendment was related to the Small accounts, which carries the following restriction:
i. The aggregate of all credits in a Financial year does not exceed Rupees one lakhii. The aggregate of all withdrawals and transfers in a month does not exceed
rupees ten thousand, and;
i. The balance at any point of time does not exceed rupees fifty thousand
Through the above amendment, following provison was inserted namely :-
“Provided that this limit on balance shall not be considered while making deposits through government grants, welfare benefits and payment against procurements.
Page 19 of 23
AGENDA NO:13
Further, DFS, MoF, GoI vide it’s letter dtd. 1st June, 2018 informed IBA that it has come to notice that Government grants/ welfare benefits credit in small accounts is not allowed by many Banks, thus leading to denial of benefits to small account holders. Reiterating the provisions of G.S.R. 1038(E) dtd. 21st August’2017, it is advised that all Banks should comply with the directives of these guidelines. Moreover, referring to the IBA circular, it is advised that scholarship accounts and such accounts where Govt. benefits are received should be allotted a separate product code so that stipulation of inoperative/ dormant accounts due to non-operation does not apply while crediting proceeds. DFS, MoF, GoI letter dtd. 1st
June, 2018 is given at page no. 58 Annexure -C
{Banks are requested to refer the RBI letter no. RBI/ 2014-15/202/DBOD.No.Leg.BC.37/09.07.005/2014-15 dtd. 01st September, 2014 Annexure -D (page no. 59) wherein RBI advised the Banks to ensure that accounts of all student beneficiaries under the various Central/State Government Scholarship schemes are free from restrictions of “Minimum balance” and “Total Credit Limit”.}
Therefore, Banks may take note of the same and ensure compliance so as to avoid cropping up of further concern on this matter.
13.2 Direct Benefit Transfer (DBT)As directed by Ministry of Finance, Department of financial Services, Government of India vide letter no F/NO/1/4/2013-FI for Direct Benefit Transfer in to the Bank account of the Beneficiary under 26 schemes. Direct Benefit Transfer Scheme is roll out in the Aravalli District from 01.07.2013.As the benefits under 26 schemes presently identified for Direct Benefit Transfer have to be made into the their bank account , it is necessary that bank accounts in case of these beneficiaries are opened wherever such account are not available.
Setting and updation of Aadhar Enrollment Centres : Every Scheduled Commercial Bank shall set up Aadhaar enrolment and updation facility inside the premises of Bank branches at a minimum of 1 out of their 10 branches by 30th September, 2017. A list of aadhar enrollment centres working in Aravalli District is attached alongwith.
Annexure–E Page No.60
NABARD vide its circular No:160/DFIBT 24-2018 dated 27.06.2018 has informed about scheme to support initiative of Bank to Setup Aadhaar Enrollment and update center in Bank Branches. As per the schemes all banks which have set up AECs in
Page 20 of 23
their branches on or before 31st March 2018 are eligible for the grant support under the scheme.
Review of SHG and NRLMa) Saving Bank account details (Amt. in lakhs)
Savings Bank A/Cs opened during the quarter ended
Total No. of Savings Bank accounts as on
No.of SHG Accounts
No.of Members
Savings Amt.
No.of SHG Accounts
No.of Members
Savings Amt.
380 1154 23 8955 97807 926
b) SHG Grading, Sanction and disbursement details (Amt. in lakhs)
Accounts Graded and Sanctioned during the quarter ended
Total Cumulative Accounts Graded and Sanctioned during the Financial Year
Total accountsGraded
Out of total graded A/cs,
A/cs sanctioned
Sanctioned Amt.
Total accountsGraded
Out of total graded A/cs,
A/cs sanctioned
Sanctioned Amt.
64 76 75 239 235 239
c) Disbursement Details (Amt. in lakhs)
Disbursement made during the quarter ended Total loans disbursed during the year
Total a/c disb.
Amt. disb.
Out of total a/c
disb.no.of new a/c
Amt.disb.to new
a/c
Total a/c disb.
Amt. disb.
Out of total a/c disb.
no.of new a/c
Amt.disb. to new
a/c
145 105 40 32 421 388 73 62
d) Loan Outstanding and NPA (Amt. in lacs)
Loans outstanding as on NPAs as on Percentage NPAAccounts Amount Accounts Amount Accounts Amount
1749 851 535 211 30.58% 27.79% Branch Wise Details as per the Annexure-24 to 27 Page No: 49 to 52
Page 21 of 23
AGENDA NO:14
AGENDA NO:15
FPO Campaign & Area Development SchemeApplauding NABARD’s initiatives in promotion of farmer producer organizations (FPOs) in line with Centre’s call for doubling farm income by 2022, Union Finance Minister Shri Arun Jaitley expressed optimism that the apex development bank would achieve the milestone of promoting 5000 FPOs in the next couple of years.
The DDM Nabard is requested to appraise the house about promotion of farmer producer organizations
Progress Under of new scheme for establishment of dairy unit with 12 milch animals.
The Department of Agriculture, Farmers’ Welfare & Co-operation, Government of Gujarat vide their GR No. CDS/132017/94/P.1 dated 17th April, 2018 has announced a new scheme for establishment of dairy units with 12 milch animals. A copy of the GR has been circulated by SLBC vide letter no. FGMO/AHM//SLBC-103/406/2018 dated 01.05.2018 which has been shared with banks through letter and e mails.
Main features of the scheme are as below:
i. Subsidies will be made available for purchase of 12 milch animals (cow / buffallow) and new construction of dairy farm as per prescribed criteria.
ii. Interest subsidy will be available @ 7.50% for 5 years on finance extended by Banks for purchase of milch animals in FY 2018-19.
iii. For construction of dairy farm as per prescribed criteria, subsidy will be provided @ 50% of the cost or Rs.1.50 lakh whichever is lower.
iv. In addition to these, capital subsidies will also be available for electric chaf cutter, fogger system, milking machine and cattle insurance.
The GR of the scheme with eligibility criteria, operational guidelines for Banks and other details are already provided to member bank during the 20th DLCC on 01.09.2018. Banks are requested to circulate the same among the branches in the District and advise them to extend the benefits of the scheme to eligible borrowers.
TargetNo of
Application Sanctioned by
Banks
No of Application
sanctioned by the Department
% achievement
200 73 73 36.50%
Page 22 of 23
AGENDA NO:16
AGENDA NO:17
Campaign to achieve saturation under Kisan Credit Card (KCC)
A letter dated 4th February 2019 from Dy. Secretary, Dept. of Financial Services (DFS) , Ministry of Finance , Govt. of India regarding launch of special drive by Dept. of Agriculture, Cooperation& Farmers welfare (DCA & FW) , Govt of India to saturate farmers under Kisan Credit Card (KCC) Scheme
In this regard Banks are advised to conduct camps to Credit Awareness about the KCC scheme among the farmers and promptly process approvals of KCC applications. Date wise scheduled of the camps under the campaign shall be decided by the DLCC and the date should be communicated to various Banks Branches/ District Coordinators.
Banks are advised to utilize simplified KCC Application from circulated by Indian Bankers Association (IBA) vide its circular No. SB/Cir/AGR/480 dated 09.06.2016 and not to charge processing , documentation, inspection, ledger folio charges or any other service charges for KCC up to Rs.300000/-9 Three Lacs ) in pursuance to direction issued by IBA vide its letter no SB/Cir/KCC/2018-19/6778 dated 04.02.2019 (Copy enclosed )
The Details of the circular as per the Annexure- F & G Page No:61 -63
Representation received from various People for opening of branch/ ATM.
Yet we have not received any application for opening of branch/ ATM. House is open for discussion
Any other matter with the permission of the chair
Page 23 of 23
AGENDA NO:18
AGENDA NO:19
