59 th Meeting of State Level Bankers' Committee, Chhattisgarh Agenda AGENDA NO. 1. Welcome by the Convener, SLBC. AGENDA NO.2. Adoption of the Minutes of 57 th SLBC meeting held on 19.02.2015. Minutes of the 57 th Meeting of State Level Bankers’ Committee held on 19.02.2015 have been circulated to all participants. The house is requested to confirm the minutes. Copy of the minutes are placed at Annexure-A (Page-28 ) and the same may also be viewed at / downloaded from website-www.slbcchhattisgarh.com AGENDA NO. 3 : Action Taken Report of the 57 TH SLBC Meeting Action Taken Report on Minutes of Meeting is placed at Annexure-B ( Page- 33 ). The house is requested to approve Action Taken Report. AGENDA NO. 4 : SLBC Sub-Committee meeting headed by Shri M K Rout, IAS, Additional Chief Secretary, Panchayat and Grameen Vikas Vibhag & Development Commissioner, Government of Chhattisgarh was conducted on 30.05.2015. Review of progress achieved under Government Sponsored Schemes and other related issues was carried out in the meeting of SLBC Sub-committee . Minutes of meeting are placed at Annexure – C (Page - 38 ) AGENDA No. 5 : Pradhan Mantri Jan-Dhan Yojana (PMJDY) : The mission was started on 28 August 2014 and completed on 15.01.2015 in our State. Saturation Certificates received for all 27 Districts have been submitted to Mission FI, DFS, MoF, GoI. 5 LWE affected districts have approx. 20688 households in inaccessible areas which are being covered gradually. As per reports received from the Banks 78,26,718 accounts have been opened by all Banks together up to 30.09.2015. Detailed district-wise data of number of accounts opened is placed at Annexure-D (Page -45 ). The progress on related parameters is summarized below: As on PMJDY Accounts Aadhar Seeding Passbook issued RuPay card issued Active Bank accounts 31/03/2015 67,76,888 12,14,103 62,12,152 60,31,431 26,82,375 30/09/2015 78,26,718 14,87,076 64,45,209 64,45,477 37,93,846 State Level Bankers Committee : 59 h Meeting Agenda
Transcript
59 th Meeting of State Level Bankers' Committee, Chhattisgarh
Agenda
AGENDA NO. 1. Welcome by the Convener, SLBC.
AGENDA NO.2. Adoption of the Minutes of 57th SLBC meeting held on 19.02.2015. Minutes of the 57th Meeting of State Level Bankers’ Committee held on 19.02.2015 have been circulated to all participants. The house is requested to confirm the minutes. Copy of the minutes are placed at Annexure-A (Page-28 ) and the same may also be viewed at / downloaded from website-www.slbcchhattisgarh.com
AGENDA NO. 3 : Action Taken Report of the 57TH SLBC Meeting
Action Taken Report on Minutes of Meeting is placed at Annexure-B ( Page- 33 ). The house is requested to approve Action Taken Report.
AGENDA NO. 4 : SLBC Sub-Committee meeting headed by Shri M K Rout, IAS, Additional Chief Secretary, Panchayat and Grameen Vikas Vibhag & Development Commissioner, Government of Chhattisgarh was conducted on 30.05.2015. Review of progress achieved under Government Sponsored Schemes and other related issues was carried out in the meeting of SLBC Sub-committee . Minutes of meeting are placed at Annexure – C(Page - 38 )
The mission was started on 28 August 2014 and completed on 15.01.2015 in our State. Saturation Certificates received for all 27 Districts have been submitted to Mission FI, DFS, MoF, GoI. 5 LWE affected districts have approx. 20688 households in inaccessible areas which are being covered gradually.
As per reports received from the Banks 78,26,718 accounts have been opened by all Banks together up to 30.09.2015. Detailed district-wise data of number of accounts opened is placed at Annexure-D (Page -45 ).
The progress on related parameters is summarized below:
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA No 6. : Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) :
Three Social Security Schemes namely Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) were launched by Hon'ble Prime Minister on 09.05.2015.
A function was organized for launching of these three Social Security Schemes in the State on 09.05.2015 at New Circuit House, Raipur. Hon'ble Chief Minister, Union Minister, State Ministers, Senior Government officials, Top officials from NABARD, Chief General Manager State Bank of India, General Manager (NW-3), State Bank of India and Regional Heads of the member Banks and other VIPs were present in the meeting.
Progress made under PMJJBY, PMSBY and APY up to 09.10.2015 :
PMJJBY PMSBY APY Total Enrolment (PMJJBY+
PMSBY +APY)9,09,756 41,47,580 12,824 50,70,160
District wise and Bank wise progress report up to 09.10.2015 is placed at Annexure- E. (Page- 46 )
AGENDA NO. 7 : Pradhan Mantri MUDRA Yojana (PMMY) : The Scheme aims at financial support to Banks / MFIs for onward lending to Individuals, group of individuals, Self Help Groups, Joint Liability Groups for creation of qualifying assets as per RBI guidelines towards setting up / running micro enterprises as per MSMED Act and also carrying out non-farm income generating activities with beneficiaries loan size ranging from Rs 50,000.00 to Rs 10.00 Lac per enterprise / borrower.
Pradhan Mantri MUDRA card is another innovative and additional feature of the scheme. The issuance of card is aimed at providing flexibility and easy accessibility of credit to the borrower. MUDRA card would be used against available balance like any debit card and operated by a RuPay based debit card. Details of the scheme are placed at Annexure- F (Page - 48 ) .
The scheme was inauagurated by Hon'ble Prime Minister on 08.04.2015. All Banks have received targets from their respective Head Offices. District wise targets were worked out as advised by the Department of Industries, Government of Chhattisgarh and sent to all Banks and Nodal Office of C.G.Government. A special web portal for reporting of progress under MUDRA has been created by CHiPS. All banks are requested to update progress in the portal (web address - http:\\pmjdy.cgstate.gov.in) on daily basis.
Each Bank branch was given a minimum physical target of 25 cases during Mega Mudra loan Camp period ( from 25.09.2015 to 02.10.2015).The co-operative Banks were excluded from the financing under PMMY.
State Level Bankers Committee : 59 h Meeting Agenda
Performance during Camp period is as under:
Shishu Sanctioned Disbursement
No Amt(in lac) No Amt(in lac)43,601 12,788.05 29,093 7,661.61
KishoreSanctioned Disbursement
No Amt(in lac) No Amt(in lac)4,600 6,779.61 3,672 4,264.29
TarunSanctioned Disbursement
No Amt(in lac) No Amt(in lac)465 3,248.62 397 2,339.98
TotalSanctioned Disbursement
No Amt(in lac) No Amt(in lac)48,666 22,816.28 33,162 14,265.88
The Targets assigned to all Banks in the State under PMMY for 2015-16 is as under :
Physical Target (No )
Financial Target Average no of Loan account Per Branch
Average per Bank Branch Disbursement
Target3,58,622 Rs 1,307.87 Cr 167 Rs.0.61 Cr
For District wise Bank wise target detail Please refer to Annexure - G ( Page- 50 ).
Latest Bank wise progress report up to 09.10.2015 is placed at Annexure- H ( Page- 52 ).
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO. 8 . National Rural Livelihood Mission (NRLM) :
All poor women of the State are to be covered under Self Help Group (SHG) Bank linkage programme. Government of India is executing the Women Self Help Group Programme through NABARD in LWE districts and National Rural Livelihood Mission Programme through State Rural Livelihood Mission (Bihan) in the State.
Target for the Year
Target Amount
Application submitted Sanctioned Achievement
Number Amount Number Amount 2015-16 Rs.150 Cr 8312 Rs.121.2 Cr 3627 Rs.47.28 Cr 32%
Target of Rs.150 Crore for 2015-16 has been received and sent to Lead District Managers (LDMs) for allotment of Bank wise target within the districts. District wise targets are placed at Annexure – I (Page- 53 ).
AGENDA NO.9 . National Urban Livelihood Mission (NULM) : Physical Targets for 2015-16 have been allotted by State Urban Development Authority(SUDA) as under : ( Rs in Crore)Scheme Physical
TargetAchievement
Financial TargetLoan Amount
Achievement Financial TargetInterest Subsidy
Achievement
Interest Subsidy for Bank linkage
1996 34 4.99 0 0.26 0
Interest Subsidy for Group Loan
287 9 11.48 0.23 0.6 0.18
Interest Subsidy for Individual Loan
4227 329 42.27 3.77 2.28 0.3
Targets have been distributed among districts and sent to Lead District Managers for further allotment of targets to Banks within districts.Detailed progress report is placed at Annexure- J (Page 58 )Banks are requested to ensure early disposal of cases.
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO.10.Prime Minister Employment Generation Programme (PMEGP):
The Chief Executive Officer,KVIC, vide Circular number CEO Cell (PMEGP) / EDP Prog/2014-15/482 dated 02.12.2014, advised that EDP training to PMEGP beneficieries will be imparted through Banks' RSETIs / RUDSETIs. Further disbursements in PMEGP accounts can not be made unless the EDP training is completed by the borrower.
(Rs. in Crore)Sr no
Scheme Target Target Margin Money(Rs in
Cr)
Case sponsored
till June 15
Margin Money
Cases sanctio
ned
Margin Money Sanctio
ned(Rs in
Cr)
Disbursemen
t by Banks (No of cases)
Margin Money
Disbursed(Rs in Cr)
% Achieve
ment
1 PMEGP KVIC
646@ 12.91 0 0 0 0 0 0.00
2 PMEGP KVIB
646# 12.91 0 0 0 0 0 0.00
3 PMEGP DIC
630* 13.45 630 13.45 140 2.94 140 2.94 22%
Total 1922 39.27 630 13.45 140 2.94 140 2.94 22%
@DLTFC not yet held in any district.
# DLTFC has been held at three districts but cases not yet sent to Bank.
* Pending cases of F/y 2014-15.
In a meeting on 19.06.2015 with three sponsoring agencies of PMEGP namely KVIC, KVIB and Industries Department it was decided that :
1. Targets for the year 2015-16 allotted by KVIC and KVIB will be sent by these two agencies only. As for Department of Industries, the cases sent during 2014-15 and still pending, will continue to be sanctioned. These pending cases will be considered as the targets for 2015-16 allotted by Directorate of Industries.
2. As per information received from Department of Industries, there are 630 cases pending as at 31.03.2015. This will serve as the target for the year 2015-16. All the Banks are requested for early disposal of the cases.
3. Cases recommended by DLTFC during the 2014-15 but not sanctioned by the branches for any reason and returned to concerned sponsoring agency will be considered for sanction only on consent of borrower and concerned Bank.
Detailed Minutes of the meeting placed at Annexure-K ( Page - 64).
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO. 11. Antyodaya Swarojgar Yojana and Adivasi Swarojgar Yojna.
The progress in Government Sponsored Schemes has been taken from Chhattisgarh Rajya Antyavasayi Sahakri Vitt evam Vikas Nigam Mydt. As the cases submitted by Sponsoring Agency are not on e-tracking, therefore, all Banks are advised to reconcile the position with the Chhattisgarh Rajya Antyavasayi Sahakri Vitt evam Vikas Nigam Mydt department under confirmation to SLBC ( Bank-District wise reports are placed at Annexure-L(Page No- 69 )
Sr no
Scheme Physical Target
2015-16(No)
Cases Sponsored
up to June -2015
(No)
Cases Sanctioned
Up to June -2015
(No)
AchievementUp to
June -2015
1 Antyoday Swarojgar Yojana
6,892 2,961 1,146 39%
2 Adivasi Vitt Swarojgar Yojana
2,673 2,193 865 39%
Chhattisgarh Rajya Antyaavasaayee Sahakaari Vitt evam Vikaas Nigam Maryadit. is also requested to send the list of beneficiaries Bank wise/Branch wise to their Regional Heads and also to the LDMs of the respective districts, so that, position of pending applications can be tracked at Bank / Branch and District levels.
Targets for 2015-16 have been placed at Annexure - M (Page - 73).
AGENDA NO.12 Rajeev Rin Yojana -
As per Office Memorandum no. F.No. 14013/9/2014-H/FTS-11839 dated 16.04.2015 of Govt. of India, Ministry of Housing and Urban Poverty Alleviation (Housing Division), Rajiv Rin Yojna (RRY) has come to an end on 16.04.2015. In this regard, it is informed that the Ministry is in the process of launching a comprehensive Mission for “Housing for All” with a component of Interest Subvention, details whereof shall be put up to SLBC on receipt.
Fresh proposals would be taken up under the new Interest Subvention Scheme on the launch of the New Mission - “Housing for All “. Annexure - N (Page-76 ) .
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO.13 : Details of activities conducted in RSETIs: The details of activities conducted in RSETIs up to 30.06.2015 are as under:
S.No Name of Bank No. of RSETI
Programme conducted since opening to 30.06.2015
Youths trained since opening to 30.06.2015
Programme conducted from 01.04.15.to 30.06.2015
Youths trainedfrom 01.04.14.to 30.06.2015
Linkage Ratio since Inception
1 State Bank of India
11 747 20,136 50 1,226 60%
2 Central Bank of India
2 115 3,771 8 267 61%
3 Dena Bank 5 336 8,596 20 450 56%TOTAL 18 1,198 32,503 78 1,943
Position of SBI run RSETIs projects in 11 lead districts is as under :
Bilaspur Shifted to New Premises on 01.10.2014.Kanker Shifted to new premises on 18 June 2015.Jagdalpur Shifted to new premises on 27.05.2015. Dantewada Door, Window fitting, Electrification, finishing work is in progress. Targeted
to shift by 01.12.2015.Janjgir Re-applied for aproval of map to Department of Town and Country Planning
on 07.10.2015. Raigarh, Block 1 - Main Building first floor construction in progress.
Block 2 - Director's residence completed up to roof level., Block 3 -Staff quarters plastering in progress. Temporary electricity connection obtained from CSEB.Targeted to shift by 01.04.2016.
Narayanpur, Block 1 - Main building completed up to roof level. Block 2 - Staff quarters completed up to roof level. Block 3 - Director's residence building column erection is in progress. Targeted to shift by 01.03.2016.
Korba Approval was obtained from Nagar Nigam on 05.01.2015.Map re-submitted with amendments on 13.08.2015 for approval. Matter pending with Town & Country Planning Department.
Bijapur Map submitted for approval to Town and Country Planing Department Jagdalpur on 13.07.2015. T&C visited the site on 13.08.2015 and advised
State Level Bankers Committee : 59 h Meeting Agenda
for re-demarcation, which is done on 22.09.2015. Re submitted to Town & Country Planning on 01.10.2015.
Kawardha Block 1- Ground floor roof casting completed, first floor wall construction in progress.Block 2- Director's Room, Ground and Ist floor plastering in progress.Block 3- Staff quarter plastering of inner wall in progress.Outer wall completed.Targeted to shift in April 2016.
Jashpurnagar Demarcation of land done and possession taken. Map submitted to Town and Country Planing on 11.08.2015 for approval. Fees paid through Challan.
Position of Dena Bank run RSETIs projects in 5 lead districts is as under :
Durg On going construction stopped by “Aapada & Rahat Prabandhan Vibhag”. Demarcation done on 25.08.2015 Report will be submitted by Revenue Inspector to Collector.
Rajnandaon Block 1 - Directors Office rooms complete. Tiles fitting in progress. Block 2 - Training Center cum Residence plastering completed up to 2nd
floor. Block 3- Staff Room Tiles work completed for both floors.Targeted to shift by 30.11.2015.
Raipur Possession of land has been taken on 05.06.2015 at Village Tendua with Khasra no. 696 P.H. 28 on which demarcation has already been completed. The area of land taken is 2.09 Hectare (4046 sqm.)
Dhamtari Construction has been completed. Approach road is being constructed and will take one month time to complete. Meanwhile, furniture work will be done. Expected to shift by 30.11.2015.
Mahasmund Map had been approved and work order placed. But demarcation work had been stopped by villagers who opposed to share land. The issue was tried to be solved in Gram Sabha. Matter was discussed in DLCC meeting also. Collector has advised to get alternative land allotted.
Position of Central Bank run RSETIs projects in 2 lead districts is as under :
Surguja All structure work completed, Tiles fitting completed in ground floor. Approach road yet to be constructed by the Government. Targeted to shift in December 2015.
Koriya Civil Construction completed, electrical and furniture work is in progress Target to shift in January 2016.
State Rural Livelihood Mission, vide their letter number 9761/व�-6/ NRLM-RSETI LH/2015 dated 30.06.2015 advised that target for training to rural youth have been allotted by Monitoring Cell, Ministry of Rural Development, Government of India for all 18 RSETIs, which is placed at Annexure - O (Page77) .
State Level Bankers Committee : 59 h Meeting Agenda
RSETI Managed By Lead Bank
No of Districts to be covered Target No of Candidates
State Bank of India 16 6930Central Bank of India 4 3750Dena Bank 7 1500Total 27 12180
All member Banks are requested to identify the candidates and ensure to make them attend EDP training in the RSETIs as per calendar. It is also requested to dispose of, without delay, the PMEGP cases of the beneficieries who have already completed EDP training.
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA No.14 . : Credit Deposit Ratio (CD Ratio)
The CD ratio of All Banks in the State of Chhattisgarh has decreased to 65.94% in June 2015 from 66.54% in June 2014.
Sr No Name of the Bank CD Ratio %1 Small Industries Development Bank of India 16402 DCB Bank 8723 IndusInd Bank 3844 Indian Bank 2705 Kotak Mahindra Bank 2486 Karnataka Bank Ltd. 2417 United Bank of India 2138 State Bank of Hyderabad 1829 Indian Overseas Bank 16910 Nagpur Nagrik Sahkari Bank 13511 HDFC Bank Ltd. 12612 State Bank of Travancore 11813 ICICI Bank 11314 City Union Bank 11015 Bank of Baroda 10216 Bank of India 9717 Allahabad Bank 9518 State Bank of Patiala 8819 Axis Bank 8720 Union Bank of India 8221 Apex Bank 6822 Corporation Bank 6723 Central Bank of India 6724 HSBC Bank 6625 Andhra Bank 6326 Canara Bank 6227 Jammu & Kashmir Bank 6128 UCO Bank 6029 Bank of Maharashtra 6030 Dena Bank 60
State Level Bankers Committee : 59 h Meeting Agenda
19 Banks are having CD ratio less than 60%, as per details given below :-
Sr No Name of the Bank CD Ratio %1 Punjab National Bank 592 IDBI Bank 563 Punjab & Sind Bank 544 Federal Bank 545 State Bank of India 546 Vyavasayak Sahkari Bank 537 Vijaya Bank 518 Laxmi Vilas Bank 519 Laxmi Mahila Nagrik Sahkari Bank 4310 Oriental Bank of Commerce 4011 Raipur Urban Cooperative Mercantile Bank 3712 Karur Vyshya Bank 3413 Chhattisgarh Rajya Gramin Bank 3214 Pragati Mahila Nagrik Sahkari Bank 2815 South Indian Bank 2816 Nagrik Sahakari Bank 2317 YES Bank 1018 Bharatiya Mahila Bank 619 Syndicate Bank 6
State Level Bankers Committee : 59 h Meeting Agenda
District wise CD Ratio is as under : 09 Districts are showing CD Ratio below 40%, which needs improvement. ( Rs in Crore)
Financial Literacy and Credit Counselling is a regular activity of Banks. In Chhattisgarh 25 FLCCs have been established in 27 districts. Details are as under :
1. State Bank of India – Jagdalpur, Kanker, Bilaspur, Kawardha, Janjgir Champa, Bijapur, Dantewada, Jashpur, Korba, Raigarh, Narayanpur, Mungeli, Sukma, Kondagaon, Balodabazar and Bemetara.
2. Dena Bank – Durg, Rajnandgaon, Raipur, Dhamtari, Mahasamund, Gariaband and Balod.
3. Central Bank of India – Surguja, Koriya.
In Surajpur and Balrampur Districts where Central Bank of India is Lead Bank FLCCs are yet to be established. Summary of activities from 01.04.2015 to 30.06.2015 :
Sr. No.
Name of Bank No. of FLCCs
No. of persons availing indoor
services
No. of outdoor activities
undertaken
No. of persons
participated in outdoor activities
1. State Bank of India 16 2,042 368 24,0722. Dena Bank 7 627 67 2,7163. Central Bank of India 2 1,890 95 9,623
Total 25 4,559 530 36,411
As per RBI guidelines every rural Bank Branch also conducts at least one FLC camp every month. Also during implementation of PMJDY, various camps were conducted for Account opening, Aadhar seeding, RuPay cards which contributed to further spread of Financial Literacy of villagers.
SLBC has got printed and distributed the Standardized Financial Literacy Material designed by RBI with financial assistance from NABARD. The set of 16 Posters, Financial Literacy Guide and Financial Diary have been provided to all LDMs and Lead Banks for onward distribution at FLCC camps.
State Bank of India with financial assistance from NABARD, rolled out a Financial Literacy Rath in 100 villages in Raipur, Balodabazar, Kanker, Durg, Rajnandgaon, Bemetara etc. districts in the month of April 2015.
FLCC / awareness camps are also conducted regularly by NABARD.All LDMs also conduct at least one camp per month.In RSETIs also trainees are imparted knowledge of Financial Literacy.
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO 16 : Kisan Credit Cards (KCC)
During June 2015 quarter, 1,60,836 new cards amounting to Rs.1025.70 Crores were issued . The cumulative position comes to 24,28,057 cards for Rs.6492.05 Crore. Out of Total Agriculture Advances of Rs.10922.29 Crore, Agriculture Cash Credit is Rs.7098.62 Crore and Agriculture Term Loan is Rs.3923.67 Crore as detail in the data table 1-e (1).
(Amount in Crore)Up to June 2015 Cummulative since inception
No of Cards issued
Limit Sanctioned Disbursement Numbers Amount
1,60,836 1,025.7 620.18 24,28,057 6,492.05
Bank wise details are given on table 8a (Page 143 ).
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO 17: DEVELOPMENT OF BANKING OPERATIONS IN THE STATE : Performance of all Banks in the State of Chhattisgarh, in terms of key indicators, is as under:
Share of PSA in Total Advances (%) Bench Mark – 40%
Share of Agricultural Advances in Total Advances (%) Bench Mark – 18%Micro , Small & Medium Enterprises (MSE) AdvancesShare of MSE Advances to Total Advances (%)
Share of WSA to Total Advances – Bench Mark – 10%
Share of DRI advances in total (%) – Bench Mark – 1%
Share of Advances to Women to total advances(%)Bench Mark 5%
Per branch population in C.G. (2.55 Cr.)*
State Level Bankers Committee : 59 h Meeting Agenda
17.1 Number of Branches :
Public Sector Banks opened 05 branches, Private Sector Banks have opened 03 Branch during June 2015 quarter. There are now 1176 rural, 653 semi-urban and 630 urban branches in the State of Chhattisgarh aggregating 2459 branches as at the end of June 2015. Out of these, 74.37 % branches are operating in rural and semi-urban areas.
Type of Bank Rural Semi Urban Urban Total BranchesPSU Banks 505 432 447 1,384Private Banks 58 82 88 228Cooperative Banks
147 61 53 261
CRGB 466 78 42 586Total 1,176 653 630 2,459
17.2 Expansion of Banking Services in LWE affected Districts :
As per minutes of meeting held under the Chairmanship of Union Home Minister on 09.02.2015 it was decided that new Bank Branches ( 20 in Sukma District, 18 in Dantewada and 33 in Bijapur District ) be opened in the State of Chhattisgarh.
Subsequently as per DFS letter no. F.No.20/57/2010-FI (C-53274) dated 30.06.2015, it was decided to expand banking activities in 8 worst Left Wing Extremism (LWE) affected districts of Chhattisgarh namely, Bijapur, Sukma, Bastar, Dantewada, Kanker, Narayanpur, Rajnandgaon and Kondagaon.
Further, the State Government asked for a List of Centres devoid of Banking facilities in the aforesaid eight LWE affected Districts, from respective District Collectors. As many as 150 locations were identified for opening of Bank branches in these districts. As advised by Secretary, Department of Financial Services, MoF, GoI., a team was formed to visit these districts to study ground level realities.
Accordingly the team visited the Sukma, Dantewada and Bijapur districts of Chhattisgarh from 14.07.2015 to 16.07.2015 to understand the ground realities and ascertain the availability of infrastructural facilities at the centres identified for opening new Bank branches / ATMs. After the visit, the team had a meeting on 17.07.2015 with Secretary (Finance) and Secretary (Home) of Chhattisgarh at Raipur.
Subsequently, a meeting was held on 14.08.2015 by Director, Directorate of Financial Service (DIF) , Govt. of Chhattisgarh, pursuant to the minutes of which, SLBC forwarded the list of proposed locations to all banks to indicate their preference with regard to opening bank branches at centres on the list. As per letter no. 687/DIF/2015 dated 19.08.2015 all Banks were to submit the list of centres of their choice from the proposed list in sealed envelope. As many as 10 Banks have given 44 choice centres out of which 22 are common centres. As per Director, Directorate of Institutional Finance letter no. 823/DIF/2015 dated 16.09.2015 in 22 centres, ICICI Bank, Bank of Baroda, Canara Bank, Chhattisgarh Rajya Gramin Bank, State Bank of India and UCO Bank are to open new branches till 31.12.2015.
State Level Bankers Committee : 59 h Meeting Agenda
Bank branch expansion in LWE Districts:
Sr .No. Districts No of proposed Centres by District Authorities
Proposed Centres by Banks for Branch Opening
Allotment of centres on the basis of first come first serve basis
Copy of letter is placed at Annexure-P (Page 80 ),
17.3 Number of ATMs:
There are 503 ATMs in rural centers , 820 in semi-urban centers and 1287 in urban centers in the State of Chhattisgarh aggregating to 2610 ATMs as at the end of June 2015 . PSU Banks have 2261 ATMs , Private Sector Banks have 344 ATMs, Cooperative Banks 3, and RRB has 2 ATMs.
Type of Bank Rural Semi Urban Urban Total ATMsPSU Banks 484 702 1075 2261Private Banks 18 118 208 344Cooperative Banks 0 0 3 3CRGB 1 0 1 2Total 503 820 1287 2,610
For details please refer table No – 1(N) ( Page 118).17.4 Deposits and Advances Growth:Deposits : Deposits recorded a YoY growth of Rs.13,124.52 Crores . In percentage terms it is 14.37%.
For details please refer table No – 1(a) ( Page102 ).
17.5 Priority Sector Advances :
The Priority Sector Advances registered a YoYgrowth of Rs 3984.48 Crores. The ratio of 'Priority Sector Advances to Total Advances comes to 45.11% as on June 2015 which is above the bench mark level of 40%.
For details please refer table No – 1(d) ( Page 105 ).
17.6 Agriculture Advances :
Agriculture Advances have registered a YoY growth of Rs.1018.35 Crores. In percentage terms the growth in Agri Advances is 10.28%. The share of Agri Advances to Total Advances is 15.86 % which is less than benchmark of 18%. (Rs in Crore)
As on 31st March 15
As on 30th June 2014
As on 30th June 2015
YOYGrowth Amount %
9,773.61 9,903.94 10,922.29 1,018.35 10.2814.44% 16.22% 15.85% Of total advance
The total outstanding under Agriculture Cash Credit were Rs. 7098.62 Crores and Agriculture Term Loan were Rs.3823.67 Crores as at the end of June 2015. Banks are requested to increase investment credit in Agriculture Segment.Please refer Data table No – 1(e) and 1(f) ( Page 106 ).
State Level Bankers Committee : 59 h Meeting Agenda
17.7 Micro and Small Entrepreneur Advance (MSE) :
MSE advances registered a YoY growth of Rs.2973.30 Crore, the ratio of MSE advances to total advances is 21.46% .
For details please refer table No – 1(f) (Page 108 ).
17.8 OTHER PRIORITY SECTOR ADVANCES:
Other Priority Sector Advances shows a increase of Rs 523.55 Crores during the FY 2015--16. The ratio of Other Priority Sector advances to Total Advances is 8.53% as at the end of March 2015.
(Rs in Crore)As on
31st March 15As on
30th June 2014 As on
30th June 2015YOY Growth
Amount % 6,053.26 5,354.25 5,877.8 5,235.55 9.78
8.94% 8.77% 8.53% Of total advance
For details please refer table No – 1(f)-3 (Page 110 ).
17.9 ADVANCES TO WEAKER SECTIONS:
Advances to weaker sections registered a YoY growth of Rs.1811.39 Crore. The ratio of advances to weaker sections to total advances is 12.08% which is above the bench mark level of 10%.as at the end of the June 2015, whereas ratio of advances to weaker section in priority sector 26.79%.
(Rs in Crore)As on
31st March 15As on
30th June 2014 As on
30th June 2015YOY Growth
Amount % 7,925.81 6,515.14 8,326.53 1,811.39 27.811.70% 10.68% 12.08% Of total advance
For details please refer table No – 1(g) (Page111 ).
State Level Bankers Committee : 59 h Meeting Agenda
AGENDA NO. – 18 Review of Performance under Annual Credit Plan: 2015-16Sector wise break-up of Targets and Achievements up to June 2015:
Summary of ACP-2015-16 placed at Annexure - Q (Page 82 )
AGENDA NO. 19 Education Loans :741 cases for Rs 125.69 Crore have been sanctioned during the quarter ended 31.06.2015. (Pl refer Table 8d) -( Page 146) (Rs in Crore)
During the Quarter - June 2015 Cumulative since inceptionNo of Cases Sanctioned
Limit Sanctioned
Amount Disbursed
No of Cases Sanctioned
Amount
741 125.69 38.97 17962 466.95
State Level Bankers Committee : 59 h Meeting Agenda
a Agency wise details of progress under Education loan is as under:
(Rs in Crore)
During the Quarter - June 2015 Cumulative since inceptionAgency No of Cases Limit
SMALL FARMERS AGRI CONSORTIUM : Small Farmers Agribusiness Consortium (SFAC) , an organisation promoted by Ministry of Agriculture, is implementing the Central Sector Venture Capital Assistance Schemes (VCAS) to promote investments in agribusiness enterprises. The scheme is operational across the country and provides interest free margin money to entrepreneurs to enable them to leverage bank finance to set up agribusiness units. Details of schemes promoted by SFAC are placed at “Annexure R” (Page-84 ) .
AGENDA No. 21 : MISCELLANEOUS ISSUES
21.1 Central Samman Pensioners:
In a communication the Freedom Fighters & Rehabilitation (FFR) Division, Ministry of Home Affairs, GoI has informed that, it has come to their notice that even in those cases where PPOs have been passed on to CPPCs of the concerned banks with Special Seal Authority from Central Pension Accounting Office, Ministry of Finance, payment of the pension is not being started by the banks on account of missing date of birth. Considering that the freedom fighters/ widows are very old and often illitreate who do not know about their exact date of birth, the banks are directed to obtain valid documents like Aadhar Card, Voter I-Card etc and indicate that age. If the same is not available, an affidavit of present age of the pensioner may be obtained from him/her. Based on the relevant available document, the banks may work out a date of birth and enter in their system to facilitate payment of pension so as not to cause further inconvenience to the pensioners.
SLBC requests all member banks to submit a confirmation that the guidelines of Ministry of Home Affairs as mentioned above are being adhered to. Copy of letter is placed as Annexure- S (Page 92 ).
State Level Bankers Committee : 59 h Meeting Agenda
21.2 Difficulty faced by Banks in registration of Police Complaints in matters relating to Bank Frauds :
In a communication to SLBC by IBA in the context of representation received from AXIS Bank, the Committee on Legal & Banking Operations of IBA mandated that the matter may be taken up for discussion in SLBC meeting that the bank faced problem in regard to filing of police complaints. As per the letter police did not accept the complaints ab initio filed by the bank, citing various reasons. In cases where the Bank / Customer has suffered financial losses police did not entertain the complaint.
All the member Banks are requested to bring to the knowledge of SLBC any similar situation has been experienced by them.A letter placed at Annexure -T (Page 94 ).
21.3 Declaration of Nazari Anavari by State Government : Looking to the short fall in rains during Kharif season, Government of Chhattisgarh has declared nazari anavari 2015 in 93 tehesils of 22 districts vide their order number F-1-108/ र�जस� / र�हत/ 2015 dated 16.09.2015 (copy placed at Annexure- U ( Page 99). Information has already been disseminated to all the member Banks vide our letter number SLBC/2015-16/229 dated 07.10.2015.
AGENDA NO. 22: ISSUE WITH THE PERMISSION OF THE CHAIR -
AGENDA NO. 23: VOTE OF THANKS.
State Level Bankers Committee : 59 h Meeting Agenda
