AGENDA 168TH MEETING OF STATE LEVEL BANKERS’ … · 2018. 6. 11. · Action Taken Report of the...

AGENDA 168TH MEETING OF STATE LEVEL BANKERS’ COMMITTEE, MADHYA PRADESH, CONVENOR-CENTRAL BANK OF INDIA 1


TableofContents

Abbreviations 6 Adoptionoftheminutesofthe166th/167thSLBCmeetingheldon08.02.2018 7 AGENDANO-1ActionTakenReportofthe166th/167thmeetingheldon08.02.2018 8-11 AGENDANO-2ReviewofBankingDevelopmentsinMadhyaPradeshFY2017-18 12-15

a) KeyBankingparametersofthestateason31.03.2018 12b) HighlightsoftheperformanceofthebanksduringFY2017-18 13 c) RBINormvis-à-visperformanceofBanksinM.P. 15

AGENDANO-3OverviewofAgricultureCreditinMadhyaPradeshason31.03.2018 16-18

a) Compositionofbankcredittoagriculture 16b) Agencywiseoutstandingagricultureloans 17c) Flowofcredittoagriculturesector 17d) AchievementagainstGLCtargetofGovt.ofIndia 18e) Discussionspointsofsub-committeemeetingonAgriculture 18

AGENDANo-4OverviewofMSMEsandEmploymentGenerationbyBanksinM.P. 19-22

a) StatusMSME(PrioritySector)ason31.03.2018 19 b) Employmentgenerationbybanksthrough3flagshipschemesof 21

MukhyaMantriSelfEmploymentGenerationSchemes. c) EmploymentgenerationbybanksthroughMudraloans 21d) EmploymentgenerationbybanksthroughPMEGP 22e) EmploymentgenerationbybanksthroughStand-upIndiascheme 22

AGENDANo-5SwarojgarSammelaninallDistricts 23

AGENDANo-6RationalizationofregistrationchargesprevailingindifferentStatesand 24-25UnionTerritoriesofIndia


AGENDANo-7ProvisionofseparateproductcodeinCBSofthebankstocreditofscholarship26amountsandcreditofDirectBenefitTransferunderGovernmentschemesAGENDANo-8RevampofLeadBankScheme 27-29AGENDANo-9Integrationoflandrecordswithbanks 30-32

AGENDANo-10

ReviewofperformanceunderAnnualCreditPlanofFY2017-18 33-34AGENDANo-11Governmentsponsoredschemes 35-38

a) MukhyaMantriKrishakUdyamiYojana-Amendment 35b) MukhyaMantriYuvaUdyamiYojana,MukhyaMantriSwarojgar 36

Yojana&MukhyaMantriArthikKalyanYojana c) PrimeMinisterEmploymentGenerationProgramme(PMEGP) 37d) NationalRuralLivelihoodMission(NRLM) 37 e) PradhanMantriMudraYojana(PMMY) 37 f) Stand-upIndiaschemes(SUI) 38g) PradhanMantriAwasYojana(PMAY)-Urban 38h) IssuesrelatedtoGovernmentsponsoredschemes 38

AGENDANo-12OpeningofbankingOutletsinvillageshavingpopulation5000&above 39AGENDANo-13CreditDepositRatio 40-41

a) Importantindicators 40b) DistrictwithCDratiobelow40%ason31.03.2018 41

AGENDANo-14FinancialInclusion

a) Statusason31.03.2018 42b) ExtensionofsubmissionofAadhaarandPAN 42c) GramSwarajAbhiyancampaignfrom14.04.2018to05.05.2018 43d) DeploymentofadditionalBCinlocationsnothavingbankingfacilities 43

Within5kmandlocationswhereveritisviablewithinSubServiceareae) KeepingBiometricdeviceinallbankBranchesfore-KYC 44f) SocialSecuritySchemes-statusason31.03.2018 44g) PerformanceofRuralSelfEmploymentTrainingInstitutes(RSETIs) 44


AGENDANo-15EngagementofLeadDistrictManagersinactivitiesotherthanprescribed 45ByRBI AGENDANo-16Non-PerformingAssets 46-48

a) Statusason31.03.2018 46b) SectorwiseNPA 46 c) Non-performingAssetsundergovernmentsponsoredschemes 47d) BRISCstatus 47e) ComparativestudyofRevenueRecoveryCertificate(RRC)modelof 48

MadhyaPradsehandUttarPradesh AGENDANo-17EducationLoans 49AGENDANo-18

a) SelfHelpGroupsbanklinkages 50 b) CreditfacilitytoMinorityCommunities 50c) CreditfacilitytoSC&ST 50d) Creditfacilitytowomen 50

AGENDANo-19OtherAgenda 51MDRwaiver&revisedBHIMincentiveschemesAnyotheragendawithpermissionoftheChair 52


DATATABLETableNo. ContentsofDataTableshowingprogressinMadhyaPradeshason31.03.2018 Page

No.1 Bankwisepositionofbranches/ATMs 532 CentrewiseinformationregardingDeposits,AdvancesandCDRatio 543 BankwisetotalDeposits,AdvancesandCDRatio 554 BankwiseoutstandingofAgricultureunderPrioritySectoradvances 565 BankwiseoutstandingofMSMEsunderPrioritySectoradvances 57

6 Bank wise outstanding of Export Credit, Education, Housing, Social Infrastructure,RenewableEnergy&othersunderPrioritySectoradvances 58

7 AdvancestoWeakerSections 598 BankwiseoutstandingofNon-PrioritySectoradvances 609(i) TargetandACPFY2017-18achievementofFarmCredit&croploansunderAgriculture 61

9(ii) Target and ACP FY 2017-18achievement under Agriculture Infrastructure, AncillaryactivitiesunderAgriculture 62

10 TargetandACPFY2017-18achievementofMSMEsunderPrioritySector 63

11(i) Target and ACP FY 2017-18achievement of Export Credit, Education & Housing underPrioritySector 64

11(ii) Target and ACP FY 2017-18achievement of Social Infrastructure, Renewable Energy &othersunderPrioritySector 65

12 TargetandACPFY2017-18achievementunderNon-PrioritySector 6613 BankwisepositionofNPA 6714 BankwiseNPAunderPrioritySectoradvances 6815 BankwiseNPAunderNon-PrioritySectoradvances 6916 BankwiseNPAunderGovt.SponsoredSchemes 7017 ProgressunderKisanCreditCard 7118 ProgressunderHigherEducationloans 7219 PositionofSHGsbanklinkageprogramme 7320 LoansoutstandingtoMinorityCommunities 7421 LoansdisbursedtoMinorityCommunities 7522 LoansoutstandingtoSC/STs 7623 LoansdisbursedtoSC/STs 7724 Advancestowomen 7825 DistrictwiseprogressunderPradhanMantriJanDhanYojana 7926 ProgressunderRuralSelfEmploymentTrainingInstitutes(RSETIs 8027 BankwiseprogressunderMUDRAYojana 8128 BankwiseprogressunderStandupIndiaScheme 8229 BankwiseCreditLinkedsubsidyreceivedunderCLSSstatusunderPMAY 8330 DistrictwisePMMJJBY&PMSBY 8431 BankwiseAadhaarauthentication 8532 Annexure-IComparativeStudyofRRCsMPvis-à-visUP 86


ABBREVIATIONACP :AnnualCreditPlanACS :AdditionalChiefSecretaryAPC :AgricultureProductionCommissionerAPY :AtalPensionYojanaBRISC :BankRecoveryIncentiveSchemeCA :CharteredAccountantsCAGR :CompoundAnnualGrowthRateCDR :CreditDepositRatioDCC :DistrictConsultativeCommitteeDCCB :DistrictCentralCooperativeBanksDFS :DepartmentofFinancialServicesEWS :EconomicallyWeakerSectionsFLCC :FinancialLiteracyCreditCounsellingCentresGCA :GrossCroppedAreaGDP :GrossDomesticProductsGLC :GroundLevelCreditGVA :GrossValueAddedHFC :HousingFinanceCompanyIBC :IndianBankruptcyCodeJLG :JointLiabilityGroupKCC :KisanCreditCardLDM :LeadDistrictManagerLWE :LeftWingExtremismM.M :MarginMoneyMIG :MiddleIncomeGroupMMAKY :MukhyaMantriArthikKalyanYojanaMMSY :MukhyaMantriSwarojgarYojanaMMYUY :MukhyaMantriYuvaUdyamiYojanaMSME :Micro,Small&MediumEnterprisesMSP :MinimumSupportPriceNPA :NonPerformingAssetPMAY :PradhanMantriAwasYojanaPMJDY :PradhanMantriJanDhanYojanaPMJJBY:PradhanMantiJeevanJyotiBimaYojanaPML :PreventionofMoneyLaunderingPMMY :PradhanMantriMudraYojanaPMSBY:PradhanMantriSurakshaBimaYojanaRRC :RevenueRecoveryCertificateSARFAESI :Securitization&ReconstructionofFinancialAssets&EnforcementofSec.Int.ActSCB :ScheduledCommercialBanksSHG :SelfHelpGroupSOF :ScaleofFinanceSUI :Stand-upIndiaUIDAI :UniqueIdentificationAuthorityofIndiaTReDS :TradeReceivablesDiscountingSystemGeM :Governmente-MarketPlace


ADOPTIONOFTHEMINUTESOFTHE166th/167thSLBCMEETINGHELDON08.02.2018

TheMinutesof166th/167thmeetingofSLBCheldon08thFebruary2018werecirculated toallconcernedandwereuploadedonwebsiteofSLBC(www.slbcmadhyapradesh.in)andwebsiteofDirectorateofInstitutionalFinance,GovernmentofMadhyaPradesh(www.dif.mp.gov.in).NO AMENDMENTS/SUGGESTIONS WERE RECEIVED THEREFORE, THE HOUSE ISREQUESTEDTOCONFIRMANDADOPTTHEMINUTES.


AGENDANO-1

ACTIONTAKENREPORTONACTIONPOINTSOF166th/167thSLBCMEETINGHELDON08.02.2018

Sr. AgendaItem/ActionPoints ActionTakenReport1 CreditDepositRatio

(i) CD ratio of Shahdol, Mandla, Dindori,

Umaria&Tikamgarh districts in the State, hasbeen historically low (below 40%). It wasdecided to form the Special Sub Committee(SSCs) as per RBI guidelines to draw upMonitorable Action Plans (MAPs) forimprovingtheCDratio.LDMswereadvisedtoprepare consolidated report and submit toSLBCfordiscussion/information.Action: LDM, Shahdol, Dindori, Mandla,UmariaandTikamgarh

(ii) As the districts Shahdol, Mandla, Dindori,Umaria are generally tribal prominent /backward areas and dependent solely on theprimary sector. In such areas, conventionalmethods are not likely to work unless theBanks, the State Government & other stakeholders come together in an especiallymeaningfulway.Itwassuggestedthataspecialtaskforceatthestatelevelmaybeformedforthispurpose.Action:StateGovernment

(i)• SpecialSubCommitteeshavebeenformed

in Dindori and Mandla districts on26.02.2018and28.02.2018respectively.

• District Shahdol held DCC meeting on21.03.2018 and prepare MonitorableActionPoints(MAPs).

• UmariadistrictheldaspecialDCCmeetingon27.04.2017forincreasingCDratiointhedistrict.

• Tikamgarh is remain low at the end ofMarch31,2018andstoodat38.23%.SSCisnotyetformedtomonitortheCDRatio.

(ii) ASLBCSub-Committee is already inplaceunder the chairmanship of Commissioner,Institutional Finance and Union Bank ofIndiaisConvenersforthesame.

2 Agriculture(i) Investment credit under agriculture sectors

need tobe increased,whichwasonly23%oftheagriculturecreditasonDecember31,2017.Action:AllBank

(ii) It was observed that RRBs and cooperativebanksarelaggingbehindinthisregard.AsonDecember 31, 2017, agriculture term loanspercentagetototalagricultureofthesebankswere only 10% and 1% respectively. Theywereadvisedincreasetheirportfolio.Action:RRBs&CooperativeBank

(iii) NABARDwas requested to share the modelscheme on micro irrigation under “NationalMission onMicro Irrigation (NMMI), so thattheschememaybepercolateduptograssrootlevel.Action:NABARD

(i) AsonMarch31,2018,investmentcreditin

agriculturehasbeenincreasedto24%.(ii) AsonMarch31,2018,cooperativebanks

have improved4.46%of totalagriculturecredit. However, performance of RRBsneedsimprovement.

(iii) NABARD has shared the model

schemeonmicroirrigationunder“NationalMission onMicro Irrigation. The same isalso availableon thewebsite ofSLBC.Allbanksarerequested to takeadvantageofthismodelscheme.


3 EducationloanShareofprivatesectorbankswasminimal.Thesebankswereadvisedtocomeforwardandincreasethisportfolio.Action:PrivateSectorBanks

AsonMarch31,2018,shareofprivatesectorbanks under education loans improved to3.91%from3.11%duringthepreviousquarter.

4 SocialInfrastructureIt was observed that loans financed to socialinfrastructure sectors have not been classifiedproperly in the CBS system, while banks lend alargeamounttothissector.Bankswereadvisedtocarry out the data cleaning exercise, resulting intheactualamountunderthissector.Action:AllconcernedBanks

OutstandingamountofthebanksinthissectorworkedoutatRs.150croreduring31stMarch2018. Visible improvement could not beobserved.

5 AnnualCreditPlanFY2017-18(i) Agriculturecreditrecorded50%achievement

during the third quarter of current fiscal. Allbanks were requested to ensure 100%achievementbyendofthisfinancialyear.Action:AllBanks

(ii) Performance of RRBs and cooperative banksneedmoreimprovementastheycouldachieveonly 33% & 48% of their targets of prioritysectorrespectively.Action:RRBs&CooperativeBanks

(i) At the end of financial year 2017-18, ACPachievement under agriculture sector was64.18%.

(ii) PerformanceofRRBsandcooperativebanksinACPachievementunderagriculturesector improved to 43% and 56%respectivelyason31.03.2018.

6 PradhanMantriFasalBimaYojanaVarious issues viz. rejection of claims by theinsurancecompaniesontechnical/flimsygrounds,poor infrastructure of the insurance companies,non-issuanceofcovernoteorpolicydocumentstofarmers, lack of coordination pertains toAgriculture InsuranceCompanieswere raisedbythebanks.Itwasinformedthatsuchissueswillbediscussed in the meeting of SLCCCI for theirresolution.Action:Farmer’sWelfareDept.,Govt.ofM.P.

Such issues were discussed in the SLCCCImeetings held on weekly basis under thechairmanship of APC. However, could not bebroughttologicalconclusion/logicalend.

7 Monitoring the timeline for disposal ofproposalsunderGovt.sponsoredschemesIt was raised that some bank branches do notdispose of MSE loan application within theprescribed time line formulated by the BankingCodes and Standards Board of India (BCSBI).PrincipalSecretary,MSMEmentionedthatthereisa need to devise some system to monitor thetimeline for disposal of cases. It was decided todiscuss the said matter in the subcommitteemeetingofindustryindetail.Action:PunjabNationalBank

The matter was discussed in the Sub-Committee meeting on Industries held on16.02.2018. Itwas suggested thatMPOn-linewill provide status of pending application atleastonceinaweekforbettermonitoringthetimeline fordisposalofproposalsunderGovt.SponsoredSchemes.MPOn-lineinformedthatthesoftwareisbeingdevelopedforthispurpose.


8 GovernmentSponsoredSchemes(i) CreditabsorptioninTribaldistrictsAchievement index under various governmentsponsoredschemeswaslowfortribalcommunity.Regional Director, RBI stated that banks areprepared to increase the credit in these areas.However, it was requested from the stategovernment to work it out for increasing creditabsorptionintribalareas.Action:TribalWelfareDept.,Govt.ofM.P.(ii) Ghumakkad&ArdhGhummakad

It was observed that achievement index ofGhumakkad and Ardh Ghumakkad departmentswas low. It was mentioned that banks have notbeenabletointegratewiththenomadictribesduetotheirpeculiarsocialmores.Itwassuggestedthatsuchmattermaybediscussedindetailinthesub-committeemeetingofIndustry.Action:PunjabNationalBank(iii) PMEGPIt was raised that uniform distribution of loanapplications are not happening at the field level.The concerned departments were advised toaddresstheissue.Action:KVIC,KVIB&DIC(iv) Stand-upIndiaItwasinformedthatthebanksarenotgettingleadsunder this scheme. SC/STwelfaredepartmentofthe state governmentwas requested to generateleads.Action:SC/STWelfareDept.Govt.ofM.P.(v) PMAY-UrbanBankswererequestedtoclaiminterestundertheCreditLinkedSubsidyScheme(CLSS).Action:AllBank

(i) Muchmoreneedstobedoneonthisscore.(ii) The convenor bank of the sub-committee

i.e. Punjab National Bank informed that itshallbediscussedinthenextmeetingofthisSub-Committee.

(iii) Bankshaveachieved101%of the target

forfinancialyear2017-18underPMEGPscheme.AsagainstthetargetofRs.75.87croreonMarginMoneyutilization,bankshave utilised Rs. 76.60 crore. However,numberofsanctionedcasesapprovedarenotequallydistributedamongdistricts.

(iv) SC/ST department needs to generate

lead on this score, which is lackingpresently.

(v) 161croresubsidyhasbeenclaimedby

thefinancialinstitutionstill31.03.2018.


9 OpeningofBankingOutlets invillageshavingpopulationmorethan5000As of December 31, 2017, out of 47 identifiedcentres,43centreshavebeencovered.Remaining4centresinBhinddistrictaretobecovered.Duetopromptcorrectiveactionwhichputsrestrictiononexpansionofbranches, it couldnotbeopened. Itwas suggested that banks may come forwardvoluntarilyforopeningofbankingoutlets.Action:AllconcernedBanks

PunjabNationalBankrequestedSLBCtosharethe list of unbanked village for opening ofbanking outlets. PNB informed that the BCAgentsshallbedeployedatallthefourcentresasperthereviseddefinitionof‘BankingOutlet’ofRBIattheearliest.

10 Engagement of Lead District Managers inactivitiesotherthanprescribedbyRBITimeandagain,thesaidmatterhasbeenraisedbySLBC,TheStateGovernmentwasagainrequestedtodelinktheLDMsfromthismechanism.TheACSassuredthehouseonthisscore.Action:Govt.ofM.P.

The matter is under consideration with thestategovernment.

11 AadhaarseedingBanks were requested to complete the tasks ofAadhaar seeding with bank accounts withinstipulatedtimelinei.e.31.03.2018.Action:AllBanks

AsonMarch31,2018,therewerearound5.98crore Current Account and Savings Account(CASA) in the state. Of which 5.03 croreaccountswereAadhaarseeded,whichcomesto84%oftotalCASA.

12 StudyRRCmodelofUttarPradeshIt was informed that the RRC model of UttarPradesh is successful and canbe replicate in thestate.BankofBarodaistheSLBCconvenerbankinthe state of U.P. BOB was requested to submitdetailedreporttoSLBCattheearliest.Action:BankofBarodaChiefMinisterRuralHousingMission(CMRHM)Delinquencies under this schemewas13.57% ofthe portfolio as on December 31, 2017 and it isincreasing day by day. During subcommitteemeeting of recovery held on 03.02.2018, it wasdecidedtocomeoutwithasolutiontoaddresstheissuebyallstakeholders.Thechairmanstatedtodeliberate this issue separately in thesubcommitteemeetingonhousing.Action:CentralBankofIndia

Bank of Baroda has shared report to SLBC,which is enclosed with the agenda note asAnnexure-I.Sub-committeemeeting on housing could notbeconvened.


AGENDANO-2

REVIEWOFBANKINGDEVELOPMENTINMADHYAPRADESHFY2017-18

KEYBANKINGPARAMETERSOFTHESTATEASON31.03.2018 OutstandingamountinRs.crores

Outstanding Amount Y-o-Y Variation in absolute term

Y-o-Y Variation %

Sr. Parameters Mar-16 Mar-17 Mar-18 Mar-17 Mar-18 Mar-17 Mar-18 1 Total number of Branches 7129 7218 7279 89 61 1.25 0.85 2 Total number of ATMs 8929 9284 9554 355 270 3.98 2.91 3 Credit Deposit Ratio 73.4 71.25 74.69 -2.15 3.44 -2.15 3.44 4 Total Deposits 303070 336950 365432 33880 28482 11.18 8.45 5 Total Advances 222442 240064 272924 17622 32860 7.92 13.69 6 Total Business [4+5] 525512 577014 638356 51502 61342 9.8 10.63

PRIORITY SECTOR ADVANCES 7 Agriculture advances 81921 92362 99393 10441 7031 12.75 7.61 8 Crop Loans out of total agriculture 50513 52733 75823 2220 23090 4.39 43.79

9 % of Agriculture advances to Total advances [RBI Norm: 18%] 36.83 38.47 36.42 1.65 -2.06 1.65 -2.06

10 MSME 30082 40887 52518 10805 11631 35.92 28.45

10a Out of MSME, advances to Micro Enterprises 16282 17546 27794 1264 10248 7.76 58.41

1 % of credit of Micro Enterprises to Total advances [RBI Norm: 7.5%] 7.32 7.31 10.18 -0.01 2.87 -0.01 2.87

12 Export Credit 673 148 142 -525 -6 -78.01 -4.05 13 Education 1741 2018 1911 277 -107 15.91 -5.28 14 Housing 17190 19363 19521 2173 158 12.64 0.82 15 Social Infrastructure 243 141 150 -102 9 -41.98 6.55 16 Renewable Energy 72 675 62 603 -613 837.5 -90.76 17 Others 3831 2823 1384 -1008 -1439 -26.31 -50.98

18 Total Priority Sector Advances [7+10+12+13+14+15+16+17] 135753 158417 175082 22664 16665 16.7 10.52

19 % of Priority Sector advances to Total advances [RBI Norm: 40%] 61.03 65.99 64.15 4.96 -1.84 4.96 -1.84

20 Total Non-Priority Sector Advances 86689 81647 97841 -5042 16194 -5.82 19.83 21 Advances to small & marginal farmers 25379 26242 29727 863 3485 3.4 13.28

22 % of advances to small & marginal farmers to total advances [RBI Norm: 8% by Mar-17]

11.41 10.93 10.89 -0.48 -0.04 -0.48 -0.04

23 Total NPA 12712 16445 21971 3733 5526 29.37 33.6 24 % of NPA to total advances 5.71 6.85 8.05 1.14 1.2 1.14 1.2 25 Advances to Weaker Sections 37816 55917 59808 18101 3891 47.87 6.96

26 % of advances to Weaker Sections to total Advances [RBI Norm: 10%] 17 23.29 21.91 6.29 -1.38 6.29 -1.46


HIGHLIGHTSOFTHEPERFORMANCEOFTHEBANKSDURINGFY2017-18

§ The year-on-year (y-o-y) growth inaggregate deposits worked out to8.45% inMarch 31, 2018which waslowerascomparedwiththatinMarch2017i.e.11.18%.

§ The year-on-year (y-o-y) growth in

creditworkedoutto13.69%inMarch31,2018,higherthanthegrowthofayearagoi.e.7.92%.

§ Publicsectorbankscontinuedtomaintain

their leading position accounting for79.05% of total deposits and 65.62% ofbank’screditinMarch31,2018followedbyPrivate sector banks, Cooperative banksandRRBswithshareof9.67%,5.84%and5.44%indepositsand18.62%,11.42%and4.33%respectively.

§ Term deposits constituted the highestshare(55%)inaggregatedepositsfollowedby savings deposits (39%) and currentdeposits(11%)ofpublicsectorbanks.

§ While deceleration in growth of bankdeposits and credit spanned across allpopulationgroups,thegrowthratesinthesemiurbanareaswerehigher(y-o-y).

§ Non-PerformingAssets(NPAs)ofthebanksincreasedfrom6.85%oftotalcreditduringMarch2017to8.05%attheendofMarch31,2018.Inabsoluteterm,it increasedbyRs. 5526 crore (y-o-y) and stood at Rs.21971croreason31.03.2018.

§ The credit-deposit (C-D) ratioof the state

increasedto74.69%attheendofMarch31,2018 from 71.25% a year ago. However,actual CD ratio stood at 77.60% as on31.03.2018afterincludingtheutilizationofcreditasper“placeofutilisationNorm”ofRBI.

§ ExcludingcooperativebanksandRRBs,CDratio of Scheduled Commercial Banks(SCBs)was70.92%asonMarch31,2018.

§ Two-thirdofaggregatedepositsandcreditcontinuedtobeconcentratedintenbanksnamelyStateBankofIndia,DCCBs,BankofIndia, Central Bank of India, PunjabNationalBank,UnionBankof India,HDFCBank,ICICIBank,AllahabadBankandBankofBaroda.

Amountincrore

Sr Bank Deposits Advances No. of Branches

% of total no. of

Br.

% of total Dep.

% of total Adv.

Business % of total

business

1 State Bank of India 114481 67028 1123 15.47 31.33 24.56 181509 28.43 2 DCCBs 21204 31129 853 11.75 5.80 11.41 52333 8.20 3 Bank of India 26433 19878 440 6.06 7.23 7.28 46311 7.25 4 Central Bank of India 28843 13771 467 6.43 7.89 5.05 42614 6.68 5 Punjab National Bank 22352 17482 295 4.06 6.12 6.41 39834 6.24 6 Union Bank of India 23319 13194 285 3.93 6.38 4.83 36513 5.72 7 HDFC Bank 10123 16268 136 1.87 2.77 5.96 26391 4.13 8 ICICI Bank 8359 14061 238 3.28 2.29 5.15 22420 3.51 9 Allahabad Bank 13994 8095 205 2.82 3.83 2.97 22089 3.46 10 Bank of Baroda 11250 10049 195 2.69 3.08 3.68 21298 3.34


Bank’screditgrewby13.69%(y-o-y)attheendofMarch-18,as against 7.92% during thecorrespondingperiodof2017.

BUSINESS

§ TotalbusinessoftheBanksincreasedtoRs.638356croreduringMarch31,2018fromRs. 577014 crore in the last year, registering a growth of Rs. 61342 crore (y-o-y) inabsolutetermsand10.63%inpercentagetermsinlinewith9.80%duringcorrespondingperiodoflastyear.

§ Thisgrowthisinlinewiththepreviousgrowthrateoffewyears.

156496 164877 188337222442 240064

272924Growth in advances over the past few years

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18

BRANCHNETWORK

§ BankingservicesintheStatearecoveredthroughanetworkof7279branches(Ason31.03.2018.Ofwhich2681(37%),2307(32%)and2291(31%)branchescomprisedrural,semiurban&urbanbranchesrespectively.

§ AttheendofMarch31,2018,therewere42CommercialBanks(CBs),3RegionalRuralBanks (RRBs), 1 State Cooperative Bank (MPStCB), 38District Central CooperativeBanks(DCCBs)and7SmallFinanceBanks(SFBs).

§ AttheendofMarch31,2018,net61newbankbrancheshavebeenopenedyearonyearbasis.

§ Thereare11864SubServiceAreas(SSAs)inthestate,ofwhich1517SSAsarecoveredthroughbranches,whileothersarecoveredthrough10347businesscorrespondents.9554ATMsareinstalledinM.P.Besidesthis,43villageswithapopulationofmorethan5000arecoveredthroughBankingOutletsason31March2018.

DEPOSITS

Amountincrores

At the end of March-18,depositsgrewby8.45%y-o-y,which is below the growth of11.18% during previous yearin same period. Even inabsolute terms, deposits grewby Rs. 28480 crore (y-o-y)during March-18, whereas itwas Rs. 33880 crore in lastyear.

CREDIT Amountincrores

220690139337

294183 303070 336950 365432Growth in deposits over the past few years

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18


CREDITDEPOSITRATIO

§ Credit-DepositRatio(CDratio)ofMadhyaPradeshhasincreasedto74.69%duringQ-4ofcurrentfiscalfrom71.25%inpreviousyeari.e.Mar-17.Includingcreditasperplaceofutilization,theCDratiostoodat77.60%asonMarch31,2018.

§ CDratioofScheduledCommercialBanks(SCBs)alsoincreasedto70.92%asonMarch31,2018from67.06%inthelastyear.

RBINORMVIS-À-VISPERFORMANCEOFBANKSINMADHYAPRADESH

§ PrioritySectoradvanceswere64.15%oftotalcredit.WhichismorethanthestipulatedRBINormof40%fortheBanks.

§ Agriculturecreditwas36.42%oftotalcredit.WhichisabovetheRBINormof18%.§ CredittomicroenterprisesunderMSMEwas10.18%ofthetotaladvanceshigherthan

theRBINormof7.5%.§ Advancestoweakersectionswas21.91%ofthetotalcredit.WhichishigherthantheRBI

Normof10%.

NON-PERFORMINGASSETS

§ Thetotalnon-performingassetsaspercentoftotaladvanceswerestoodat8.05%duringMar-18quarterofcurrentfiscalasagainst6.85%duringayearago.Inabsoluteterm,itincreasedbyRs.5526crore(y-o-y)andstoodatRs.21971croreason31.03.2018.

§ Among bank groups, non-performing assets of PSBs, Private sector banks, RRBs andcooperativebanksstoodat7.82%,4.68%,14.02%and12.59%oftotalcreditrespectivelyasonMarch31,2018,whichisshowingincreaseoverpreviousyear.NPAofthesebanksayearagowas6.89%,2%,1.56%&11.46%respectively.

Thisagendaisputupforinformation/discussion

61.27% 63.06% 70.92%61.91% 52.30% 59.38%80.91%

115.45%146.18%

,Mar-16 .Mar-17 .Mar-18

CD Ratio- Agency wise

SCBs RRBs Coopeative

18 7.5

40

10

36.4

2

10.1

8

64.1

5

21.9

1

A G R I C U L T U R E M I C R O E N T E R P R I S E S

P R I O R I T Y S E C T O R W E A K E R S E C T I O N

CHART SHOWI NG PERFORMANCE OF BANKS I N M. P . AS ON 3 1 . 0 3 . 2 0 1 8 VI S- A- VI S STI PULATED RBI NORM FOR THE

BANK I N COUNTRY

RBI Norm in % of total advances In M.P.


AGENDANO-3

OVERVIEW OF AGRICULTURALCREDITINMADHYAPRADESHASON31.03.2018Agricultureisthebackboneoftheeconomyof Madhya Pradesh. It is the source forlivelihoodofaround70%ofthepopulationdirectlyor indirectly. Itcontributesaround28percenttoGDPofthestate.Aspercensus2011,outof31.6milliontotalworkersinthestate, 9.8 million are cultivators and 12.2millionareagriculturallabourers.Theagriculturalsector inthestategrewataround9.7percentperannumduring2005-06to2014-15,thehighestregisteredbyanymajorstateofIndia.Thelastfiveyearshavebeen even more spectacular (14.2% perannum). The major factors that havecontributed to agricultural growth inMadhyaPradeshare:

a) Conducive policy of the stategovernment.

b) Increased power supplies toagriculture

c) Assuredandremunerativepriceforfarmproduce(includingbonusoverMSP)bystrengtheningprocurementsystem

d) Additional irrigation through tubewellsandcanalsetc.

e) Expansionofall-weatherroadsf) Timelycreditdeliverytofarmersetc.

To meet the requirement of the growingpopulation and rapiddeveloping economy,agriculture has to grow fast and getmodernized. This requires the use of highpay off inputs, adoption of high yieldingvarieties, irrigation,modernizedequipment

andmachineriesetc.Agriculturalcreditisacritical resource support to farm sector inthestate.COMPOSITION OF BANK CREDIT TOAGRICULTURE• Loans to agriculture and alliedactivities showed a growth of7.61%asonMarch31,2018,ona year-on-year basis,downfrom12.75%lastyear.

• There were nearly 93.16 lakhagriculturecreditaccountswiththebanksasonMarch31,2018withtheaveragesizeofcreditatRs. 1.07 lakh. Of which,Scheduled Commercial Bankshad 30.22 lakh accounts withtheaveragesizeofcreditatRs.2.02lakh.

The state's agriculture production for thecurrentfiscalcamedownfromthepreviousfinancialyear.In2017-18,thestaterecordedagriculture production to the tune of42,136,000metrictonne(provisionaldata),whichis2,334,000MTlessthanthe2016-17figureof44,470,000metrictonne(MT).Thecrop sowing area also shrunk by 599,000hectares in year 2017-18 compared to thepreviousyear. Inyear2016-17, thesowingarea was 17,543,000 hectares which hasbeen reduced to 16,944,000 hectares in2017-18. (Source- Economic survey ofMadhyaPradesh2017-18)


• 87%oftotalagriculturalaccountswerecroploans,whichaccountfornearly76%oftheoutstandingagriculturalloanamountasonMarch31,2018.

• AverageloanamountofcroploanwasRs.0.93lakhforallthebanks.Bankgroupwise,itwas2.05lakh,1.39lakh&0.51lakhforcommercialbanks,RRBsandCooperativebanksrespectively.

• Theloansforinvestmentinequipmenthadashareofnearly13%and24%inthenumberofaccountsandtheloanamountrespectivelyasonMarch31,2018.Ofthetotal93.16lakhagriculture credit accounts, about 62 lakh accountswere held by small andmarginalfarmershavinglandholdingupto2hectares.

AGENCYWISEOUTSTANDINGAGRICULTURELOANSAmountincrore

Agency Outstandingamount Y-o-Yvariation

Y-o-Yvariation

%2016-17 2017-18

CommercialBanks 53780 60976 7196 13.38RegionalRuralBanks 7112 7676 564 7.93CooperativeBanks 31469 30741 -728 -2.31Total 92361 99393 7032 7.61

FLOWOFCREDITTOAGRICULTURESECTORDuring2017–18,banksdisbursedRs60,882croretotheagriculturesector(includingagricultureandallied,agri-infrastructureandancillaryactivities),againstannualtargetofRs94,868crore.Commercial banks, Regional Rural Banks (RRBs) and cooperative banks disbursed Rs 42905crore,Rs5150croreandRs12826crorerespectively. AnnualCreditPlan2017-18 Amountincrore

Agency Target Achievement Achievement%(Amt.)No. Amt. No. Amt.

CommercialBank 2295388 59901 1746455 42905 72%RegionalRuralBank 452779 12001 411510 5150 43%CooperativeBanks 952711 22966 1900218 12826 56%Total 3700878 94868 4058183 60882 64%TheGovernmentofIndiahasbeenfixingGroundLevelCredit(GLC)targetforagriculturalcrediteveryyear.During2017-18,theGOIhadfixedthetargetofRs.65680crore.Ofwhich,Rs.41830crorewasforcroploansandRs23850wascrorefortermloans.During financial year 2017-19, banks disbursed Rs. 46493 crore and Rs 14389 crore toagriculturecroploansandtermloansandachievedGLCtargetby111%and60%respectively.Altogether,banksachievedtheGLCtargetby93%forFY2017-18.

50.1 52.7 75.831.8 39.6

23.5

81.9 92.3 99.3

2015-16 2016-17 2017-18

Outstanding Loans to Agriculture Sector as on 31.03.2018 (Amt. in thousand crore)

Crop Loan Term Loan Total


ACHIEVEMENTAGAINSTGLCTARGETOFGOVERNMENTOFINDIA

Amt.incroreParticulars GLCtargetofGOI Disbursementbybanks Achievement%

CropLoans 41830 46493 111%TermLoans 23850 14389 60%

Total 65680 60882 93%Thisagendaisputupforinformation/discussion

Somediscussionpointsemergedinthesub-committeemeetingonAgricultureheldon23.05.2018

1. TheCentralGovernmentisprovidinginterestsubventionof5percentperannumtoallpromptpayeefarmersforshorttermcroploanuptooneyearforloanuptoRs.3lakhsborrowedbythemduringafinancialyear.Farmerswillthushavetoeffectivelypayonly4%asinterest.Incasefarmersdonotrepaytheshorttermcroploanintimetheywouldbeeligibleforinterestsubventionof2%asagainst5%availableabove.Thisschemeisinoperationsince2006-07.1.1 Theobjectiveoftheschemeistomakeavailableatgroundlevel,agriculturalcreditfor

ShortTermcroploansatanaffordableratetogiveaboosttoagriculturalproductivityandproductioninthecountry.

1.2 During the meeting, members suggested that the amount of Rs. 3 lakh should beincreasedinthepresentscenarioforavailinginterestsubventionbecausethislimitiscontinuingsince2006-07.SLBC&theStategovernmentmayrecommendthesametoCentralGovernment.

2. As per the guidelines, overdue accounts under agriculture are not eligible forRestructuringincaseofNaturalcalamity.Banksrequestedtopermittheoverdueaccountsalsoforrestructuring.ThismattermayalsobereferredtoRBI&NABARD.

3. Cropinsurance-bankshavesuggestedthatgraceperiodofatleast3workingdaysshouldbe allowed for remitting insurance premium after last date fixed by insurancecompanies/Government. This is required to address unforeseen circumstances i.e.technicalproblem,networkissueetc.

Thisagendaisputupfordiscussion


AGENDANO-4

OVERVIEWOFMICRO,SMALL&MEDIUMENTERPRISES(MSMEs)ANDEMPLOYMENTGENERATIONBYBANKSINMADHYAPRADESHASON31.03.2018The contributions of the Micro, Small andMedium Enterprise (MSME) sector havebeensignificantintermsofemploymentandindustrial output. The sector is the secondlargest source of employment. MSMEs notonlyenablecreationofjobsatlowercapitalcosts relative to other sectors, but alsorequire smaller capital investment andeffectivelyutilizelocalresourcesandtalent.Madhya Pradesh is among the fastestgrowingstatesinthecountry.Atprevailing

rates, the Gross State Domestic Product(GSDP)ofMadhyaPradeshfor2016-17wasRs6,39,220crore,whichrosetoRs7,07,047crorein2017-18.GSDPgrowthat constantpricesduring thebaseyear2011-12wasatRs3,15,562crorewhichhasrisentoRs4,65,136crorein2016-17. Between 2011-12 and 2016-17, theCompoundAnnualGrowthRate(CAGR)forGSDPwas14.65%.

Amountincrore

Source-EconomicsurveyofMadhyaPradesh2017-18Aspereconomicsurveyofthestate2017-18,the per capita income has increased to Rs79,907in2017-18fromRs73,268in2016-17, showing increase of 9.06 per cent in2017-18comparedtothepreviousyear.

The number of MSME units established inthe State has been increasing consistentlysince 2012-13. In the year 2012-13, therewere 19894 registered Micro, Small &Medium Enterprises, which increased to87071 in the year 2016-17. 363812employments were made by theseenterprisestilltheyear2016-17.

State Government has put in place,favourable developmental policies and isalso improving its infrastructure facilities.Nowthestatehasmovedfrombeinganagri-dominatedstatetoatertiaryeconomy.TheGovernmentofMadhyaPradesh intends toadoptvariousmodestoaddresspovertyandproblems of unemployment. “MukhyaMantri Employment GenerationSchemes”areoneofthepioneerstepsinthecountry,whichprovidevariousassistancetothe unemployed youth (entrepreneurs),scheduled castes, scheduled tribes andwomenetc.

315562380925 339483

480121530443

639220707047

315562 351683 365134 384105 407970465136 499102

2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18

GSDP at Current and Constant Prices

Current Prices Constant Prices


Besidestheseschemes,theStategovernmentactivelypromotefinancialassistanceschemesofthe Government of India such as Mudra scheme, Stand up India scheme and PrimeMinisterEmployment Guarantee Scheme (PMEGP) etc. The State government has been promotingemploymentgenerationschemesbywayof:

• Toprovideloanwithoutbankguaranteetosetupandgrowmicroandsmallenterprises.• Margin money assistance, interest subsidy, loan guarantee and training to the

beneficiariestopromoteentrepreneurshipinthestate.• Minimalornorequirementofcollateralsecurity.• RelaxingNorms/Policiesetc.

Outstandingamountincrores

STATUSMSME(PRIORITYSECTOR)ASON31.03.2018Amt.incrores

Sr. Particulars 31.03.2017 31.03.2018 % Y-o-Y variation

No. Amt. No. Amt. No. Amt. A MSE Advances (Micro & Small Enterprises) 954142 35561 1241135 47414 30.08 33.33

B % age of lending to Micro enterprises to MSE 89.83 49.34 87.78 58.62 -2.05 9.28

C Micro Enterprises 857096 17546 1089502 27794 27.12 58.41

D % of advances to Micro Enterprises to total advances 6.36 7.31 8.36 10.18 2.00 2.87

E Small Enterprises 97046 18016 151633 19620 56.25 8.90 F Medium Enterprises 5213 4099 5284 4333 1.36 5.70 G Khadi& Village Industries 5977 149 6089 152 1.87 2.35 H Others under MSMEs 152317 1077 19839 619 -86.98 -42.51

I Total advances to MSME Enterprises (Total of A,F,G &H) 1117649 40887 1272347 52518 13.84 28.45

J Total Advances 13474467 240063 13032295 272924 -3.28 13.69 K NPA under MSMEs 201982 4372 194480 6228 -3.71 42.45 L % NPA of the portfolio 18.07 10.69 15.29 11.86 -2.79 1.17

Observations:

§ AdvancestoMicroEnterpriseswas10.18%oftotalcredit,whichisabovetheprescribedNormof7.5%.

§ IntermsoftherecommendationsofthePrimeMinister’sTaskForceonMSMEs,therewasa30.08%year-on-year growth in credit tomicroand small enterprises asagainst theNormof20%.

17227 22349 26509 3008240887 52518

0

30 19 13 3628

0%20%40%60%80%100%

0

20000

40000

60000

2012-13 2013-14 2014-15 2015-16 2016-17 2017-18

Chart showing growth in MSME financing (Priority Sector) by Banks of last 6 years

Bank's Credit to MSMEs Grwoth % over previous year


§ Therewasa27.12%annualgrowthinthenumberofmicroenterpriseaccountsasagainstNormof10%.

§ Lendingtomicroenterpriseswas58.62%oftotallendingtoMSEsector,whichisslightlylowerthantheNormof60%.

EMPLOYMENTGENERATIONBYBANKSTHROUGH3FLAGSHIPSCHEMESOFTHESTATE GOVERNMENT (MUKHYA MANTRI SELF EMPLOYMENT GENERATIONSCHEMES)

Since inception of above three flagship scheme of Government of Madhya Pradesh for self-employmentgeneration,bankshavegivenloansto337324beneficiaries.EMPLOYMENTGENERATIONBYBANKSTHROUGHMUDRALOANS Numberinlakh

5155973676

101495 110594

2014-15 2015-16 2016-17 2017-18

Year wise number of employment generation through bank finance

3 Mukhyamantri EmploymentGeneration Schemes

24.06

25.32

25.14

0.84 1.21 1.84

0.21

0.30

0.41

25.11

26.83

27.39

2 0 1 5 - 1 6 2 0 1 6 - 1 7 2 0 1 7 - 1 8

YEAR WISE NUMBER OF CASES FINANCED BY FINANCIAL INSTITUTIONS UNDER

PRADHAN MANTRI MUDRA YOJANA (PMMY)

SHISHU KISHORE TARUN TOTAL


EMPLOYMENTGENERATIONBYBANKSTHROUGHPRIMEMINISTEREMPLOYMENTGENERATIONSCHEME(PMEGP)

Alltogetherbankshavefinancedto19440unitsfrom2008-09to2017-18.Outofwhich,165533employmentshavebeencreated.EMPLOYMENTGENERATIONBYBANKSTHROUGHSTANDUPINDIASCHEME

Besides above, employment is generated by banks through regular bank finance and otherGovernmentsponsoredschemesviz.NRLM,NULMetc.

349 1138 1880 1936 3201 2462 2737 1979 1940 18183297

12294

17467 16256

27824

1944222392

16497 15520 14544

0

5000

10000

15000

20000

25000

30000

2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18

No. of Project finance by banks and number of employment generation

No. of Project No. of Empolyments

1789

900

0

500

1000

1500

2000

2016-17 2017-18

No. of Beneficiary

No. of Beneficiary


AGENDANO-5

SWAROJGARSAMMELANINALLDISTRICTSThe Government of Madhya Pradesh isimplementing very attractive self-employment generations schemes i.e.Mukhya Mantri Yuva Udyami Yojana,Mukhya Mantri Swarojgar Yojana, MukhyaMantri Arthik Kalyan Yojana & MukhyaMantri Krishak Udyami Yojana. Besidesabove, Prime Minister EmploymentGenerationPrograamme(PMEGP),PradhanMantri Mudra Yojana (PMMY) & StandupIndia schemes of the Central Governmentandotherschemesarealsoimplementedinthestatesuccessfully.The State government is keen to expandsmallindustriesintheStatewiththehelpofyoung entrepreneurs. So that MadhyaPradesh can be made a hub of start-upcompanies with the assistance of youngentrepreneurs. 27.39 lakh number ofbeneficiaries have been assisted throughMudra loan during 2017-18. Besides this,manybeneficiariesassistedthroughvariousself-Employmentgenerationprogrammesof,asmentionedabove.Apartfromtheformalbanking channels like public sector banks,private sector banks, regional rural banksandcooperativebanksitwasobservedthatduring 2017-18 large number ofbeneficiarieshavebeen extended loans forswarojgar by the non-Banking FinanceCompanies, microfinance institutions andothers. However this Financial Institutionswe are not made part of the formaldiscussionsandmemberofSLBC.Inadditionto this the performance under variousswarozgar schemes in the state areappreciatedbyallthestakeholdersincludingCentral Government of India. However toassess the benefits derived by thebeneficiaries, inform various otherresourcesavailablefortheswarojgariesandtoknowtheproblemsfacedbythem,ithasbeen decided by the state government tohold Swarozgar Sammelans ( Seminars)

acrossthestateinvariousphasesasdetailedbelow.Month/Date Activity

April-midJune2018

Swarojgarsammelansaretobeconductedatblocklevel

4thAugust2018

Swarojgarsammelansaretobe conducted at all the 51districts at a time. Hon’bleChief Minister will addressallthesitesatatimebyuseofvariouschannels/media.

RoleoftheBanks-

a) Putting stall at the venuesdecided by the districtadministration

b) Providing various bankinginformation with respect toprojectetc.tothebeneficiaries.

c) Displaying banners, pamphletsetc.atthevenue

d) All banks and FIs to showcasesuccessful entrepreneurs andbringthemtotheseminar.

e) Banks and FIsmay also identifyprospective swarozgaries, assessthe proposal, sanction anddisburse in the Sammelans. Thedepartments of the stategovernment implementingvarious self-employmentschemesarerequestedtoworkintandemwiththebanks.

Thisagendaisputupfordiscussion.


AGENDANO-6

RATIONALISATIONOFREGISTRATIONCHARGESPREVAILINGINDIFFERENTSTATESANDUNIONTERRITORIESOFINDIA

The21stmeetingoftheStandingAdvisoryCommittee(SAC)toreviewtheflowofinstitutionalcredittoMSMESectorwasheldonMarch3,2017atRBI,ChennaiundertheChairmanshipofShriS.S.Mundra,DeputyGovernorofReserveBankofIndia,whereinmortgageregistrationchargesprevailinginallStatesandUnionTerritoriesofIndiawasalsodiscussed.Itwasconsensustobringuniformityandrationalizationofmortgageregistrationcharges,prevailingindifferentStatesandUnion Territories of India in order to facilitate ‘Ease of Doing Business’ in the country. Acompendium of mortgage registration charges prepared by Indian Bank Association (IBA)prevailinginallStatesandUnionTerritoriesofIndiaareasmentionedbelow:

Sr. State MortgagebyDepositofTitleDeeds

RegisteredMortgage/MortgageDeed

1 AndhraPradesh 0.1%ofofvalueofdeed(max.Rs.10,000/-) 0.1%ofvalueofdeed

2 Assam Notnecessarytoregistered Max.Rs.100/-&Max.Rs.15,000/-

3 ArunachalPradesh Nofees FromRs.50/-toamountequalto1.5%ofapplicableloanamount

4 Bihar Rs.25/-perRs.1,000(max.ofRs.5,000)

Rs.25/-perRs.1,000(max.Rs.20,000)

5 Chhattis-garh

IncaseofHousingloan-0.2%ofloanamountsubjecttoamaximumofRs.1,00,000/-andinotherloans-1%ofloanamountsubjecttomaximumofRs.1,00,000/-

4%ofloanamount

6 Gujarat 1%oftheamountofdeed 1%oftheamountofdeed7 Goa Notmandatorilyregisterable 2-4%ofvalueofdeed

8 HimachalPradesh0.05%ofthevalueorconsiderationamount(min.Rs.100&max.Rs.1,000/-)

0.05-2%ofthevalueorconsiderationamount(min.Rs.100&max.Rs.1,000/-)

9 Haryana Max.Rs.40/- Rs.76/-forRs.30,000&Rs.24.45/-foreveryadditionalRs.10,000

10 Jharkhand Nofees 2%ofvalueofdeed

11 Jammu&Kashmir Nofees Rs.1.20/-foreveryRs.100whenitexceedsRs.1,000/-

12 KarnatakaRs.1.00/-foreveryRs.1,000/orpartthereof(min.Rs.100&max.Rs.10,000/-)

Advalorem,Rs.20/-forRs.1000&Rs.10/-foreveryadditionalRs.1000orpartthereof.

13 Kerala Nofees 2%oftheloanamount14 MadhyaPradesh Rs.1,000/- 0.80%ofloanamount

15 Maharashtra

0.1%butminRs.100/-fordeedamountuptoRs.5LacsandforaboveRs.5Lacs,itwillbe0.2%withmax.Rs.10Lacs.

0.5%withmin.Rs.100&max.Rs.10Lacs

16 Manipur 1%onloanamount(max.Rs.5000)

1%ofloanamount(max.Rs.10,000)


17 Meghalaya Nofees Variesasperthearea.Rs.26/-+asperpages.

18 Mizoram Nofees Variesasperthearea.Rs.26/-+asperpages.

19 Nagaland NofeesRs.2.50/-paisaforRs.1,000andRs.3foreveryRs.1,000/-thereafter.Therearesomeexemptionsforagriculturepurpose.

20 Orissa0.5%ofthevalueofconsiderationsubjecttomaximumRs.2000/-

2%oftheloanamount

21 Punjab

Rs.1,000/-toRs.3,000/-(uptoRs.1Cr.)andForloanamountaboveRs.1Cr.,itsRs.5000/-(+5000/-AdditionalfeesonadditionalRs.1Cr.oritspart)

1%ofloanamount

22 Rajasthan Nospecificprovisionforregistration. 1%ofamountofdeed

23 TamilNadu Rs.5,000/- Rs.10,000/-toRs.2,00,000/-

24 Telangana 0.1%ofthevalueofdeed(max.Rs.10,000/-) 0.1%ofValueofdeed

25 Tripura NofeesRs.18/-uptoRs.1,000andRs.15/-foreveryadditionalRs.1,000orpart

26 Sikkim Nofees 3%ofvalueofdeed

27 UttarPradesh Optional Advalorem,1-2%oftheamountofdeed

28 Uttarakhand 2%ofamt.ofdeed(max.Rs.25,000/-)

2%ofamt.ofdeed(max.Rs.25,000/-)

29 WestBengal Nofees Advalorem,Rs.8/-forRs.8,000&Rs.11/-peradditionalRs.1,000

30 Diu&Daman Max.0.50%ofvalueofdeed Max.0.50%ofvalueofdeed

31 DadaraandNagarHaveli 0.25%ofvalueofdeed 0.25%ofvalueofdeed

32 AndamanandNicobarIslands Nofees Nofees

33 Chandigarh Nofees 1%oftheLoanamount(max.Rs.10,020)

34Delhi(NationalCapitalTerritoryofDelhi)

Nofees Rs.100/-

35 Lakshadweep Nofees Nofees

36 Puducherry Rs.5,000/- 1%ofloanamount(max.Rs.20,000)

Inmany states, there is no fees formortgagebyDeposit ofTitleDeeds andminimal fees forRegistered Mortgage / Mortgage Deed. We request the State government to considerminimum/NostampdutyforabovepurposestofacilitateMSMEborrowers.Theagendaisputupfordiscussion.


AGENDANO-7PROVISIONOFSEPARATEPRODUCTCODEINCBSOFTHEBANKSTOCREDITOFSCHOLARSHIPAMOUNTS AND CREDIT OF DIRECT BENEFIT TRANSFER UNDERGOVERNMENTSCHEMESAs per RBI Circular no. DBOD. No. Leg.BC.34/09.07.005/2008-09 dated August 22, 2008 onunclaimed deposits/inoperative accounts, a savings or current account should be treated asinoperative/dormantiftherearenotransactionsintheaccountforoveraperiodoftwoyears.State Governments has expressed difficulties in crediting cheques/Direct BenefitTransfer/ElectronicBenefitTransfer/Scholarshipsforstudents,ZeroBalanceAccounts,etc.intoaccountsopenedforthebenefitsundervariousCentral/StateGovernmentschemesbuthadbeenclassifiedasdormant/inoperativeduetonon-operationoftheaccountforovertwoyears.Keeping the above in view, RBI vide Circular no. RBI /2013-14/262/DBOD.No. Leg. BC.53 /09.07.005/2013-14 dated September 17, 2013 advised banks that theymay allot a different“product code” in their CBS to all such accounts opened by banks so that the stipulation ofinoperative/dormantaccountduetonon-operationdoesnotapplywhilecreditingproceedsasmentionedabove.Inviewoftheabove,itisrequestedthat

a) All banks having such accounts should approach respective CBS department tocomplywiththeaboveinstructionsofRBI.

b) TheStateGovernmentisrequestedtoprovideaccountnumberandIFScodeofsuch

beneficiariessothatthesamecanbesharedwithCBSdepartmenttochangetheproductcode.

Theagendaisputupfordiscussion.


AGENDANO-8

REVAMPOFLEADBANKSCHEMETheReserveBankofIndiaon6thApril2018vide Circular no. BI/2017-2018/155FIDD.CO.LBS.BC.No.19/02.01.001/2017-18came out with revamp of LeadBank Scheme. As per the directives thefollowing ‘action points’ will beimplemented by the SLBC Convener BanksandLeadBanks.

1. State Level Bankers’ Committeemeetings shouldprimarily focusonpolicy issues with participation ofonly the senior functionariesof thebanks/ Government Departments.All routine issues should bedelegatedtosub-committee(s)oftheSLBC.

Status/Suggestions-

(i) Sub-committee is required todiscusstheissuesindepth.

(ii) Convenor of the sub-committeeshould collate information/datafrom various sources andprepare comprehensive agendanote with data for fruitfuldiscussions.

(iii) Itisobservedthatminutesofthesub-committee meeting(s) donotreleaseontime.Itshouldbereleasedwithin7daysafterthemeeting.

2. ASteeringSub-committeeshouldbeconstitutedintheSLBCtodeliberateon agendaproposals fromdifferentstakeholdersand finaliseacompactagenda for the SLBC meetings.Typically, the Sub-Committee couldconsist of SLBC Convenor, RBI &NABARD representatives & seniorState Government representativefromtheconcerneddepartment,e.g.Finance/ Institutional Finance andtwo to three banks having majorpresence.Otherissue-specificsub-committeesmaybeconstitutedasrequired.

StatusPresently, there are following sub-committeesofSLBC-M.P.

Sr. NameoftheSub-

committeeConvenorBank

1 Agriculture StateBankofIndia2 Recovery StateBankofIndia3 Housing CentralBankofIndia4 ScheduledTribes CentralBankofIndia5 LowCDRatio UnionBankofIndia6 SelfHelpGroup AllahabadBank7 Industry PunjabNationalBank8 Education CanaraBank9 MSME&RSETI BankofIndia

Suggestions-

(i) Financial inclusion is thegovernment’s core focus area.There is a need to form a sub-committee on FinancialInclusion.Itisproposedtoassignthe responsibility to CentralBankofIndia.

(ii) New topics on “MarketIntelligence Issues” viz. PonziSchemes/ Illegal Activities ofUnincorporated Bodies/ Firms/Companies Soliciting DepositsfromthePublic,BankingRelatedCyber Frauds, phishing, etc.,Instances of usurious activitiesby lending entities in the area,cases of over indebtedness,Credit related frauds byborrowergroupsetc.havebeenadded in the model agenda ofSLBC. A sub-committee may beformedtoreviewsuchissues.


3. The corporate business targets forbranches,blocks,districtsandstatesmay be aligned with the AnnualCredit Plans (ACP) under the LeadBank Scheme to ensure betterimplementation. The ControllingOffices of the banks in each stateshould synchronize their internalbusiness plans with the ACP underLeadBankScheme.

Suggestions-AllBankstoconvergeACPintheirAnnualbusinessGoals.

4. Inordertomaintain,theintegrity&timelinessof thedata submittedbybanks,therelevantdatamustalsobedirectlydownloadablefromtheCBSand/orMISofthebankswithaviewtokeepingmanualinterventiontoaminimal level in the process.Necessary modifications may bemade on the SLBCwebsites and totheCBS&MISsystemsofallbankstoimplement the envisaged data flowmechanism.

Status/Suggestions-

(i) SLB-MPispioneertoimplementsuch functionality and it isalreadyavailableonthewebsite.

(ii) All Banks should approachrespective corporate office todevelop requisite MIS for SLBCdata.

5. TostrengthentheBLBCforumwhichoperatesatthebaseleveloftheLeadBankScheme,itisnecessarythatallbranch managers attend BLBCmeetingsandenrichthediscussionswith their valuable inputs.ControllingHeadsofbanksmayalsoattend a few of the BLBCmeetingsselectively.

Status/Suggestions-

(i) Allbanksshouldissuedirectivesto their branches to participateinBLBCmeetingsnecessarily.

(ii) ControllingHeadsofbanksmayalso attend a few of the BLBCmeetings.

6. Rural Self Employment TrainingInstitutes (RSETIs) should bemoreactively involved and monitored atvariousforaofLBS.Focusshouldbeondevelopmentofskillstoenhancethecreditabsorptioncapacityinthearea and renewing the trainingprogrammes towards sustainablemicro enterprises. RSETIs shoulddesignspecificprogrammesforeachdistrict/ block, keeping in view theskillmappingandthepotentialoftheregionfornecessaryskilltraining.

Status/Suggestions-

(i) A sub-committee on MSMEs &RSETIs is already in existenceundertheConvenorshipofBankof India. Bank of India maycontinue as Convener andconvenemeetings on quarterlybasis.


InadditiontoabovetheReserveBankofIndia vide letter no.FIDD.CO.LBS.No.3134/02.01.001/2017-18 dated April 06, 2018 requestedNABARD to initiate the followingmeasures.

(i) To undertake a study/prepareon the impact of the Potentiallinked Plans (PLPs) onBranch/Block Credit Plan &Annual Credit Plantargets/Achievements.

(ii) PLPs should be more focussedandimplementablesothatbankscanutilizeitmoregainfullywhilepreparing Branch/Block CreditPlan.

(iii) PLPs should emphasize on

promotion of sustainableagriculture practices suitable tolocalconditions.Whilepreparingthe PLPs, the focusmust be onidentifying processes andprojectsthat

a) reduce the carbon foot-print,

b) prevent the overuse offertilizers

c) ensureefficientutilizationofwaterand

d) address agriculturalpollutionissues.

(iv) The plans must also focus on

promoting innovative farmingsystems.

(v) The Block is the base for thedevelopment process in adistrict. Therefore, Block LevelBankers’ Committee (BLBC)must be strengthened.Participation of DistrictDevelopmentManagers (DDMs)of NABARD in BLBC to ensurebetter and more meaningfuldiscussionsforthedevelopmentoftheBlock.

NABARD is requested to undertake thestudyandsubmitreportby30thJune2018toSLBC.

Theagendaisputupfordiscussions.


AGENDANO-9

INTEGRATIONOFLANDRECORDSWITHBANKSBackgroundTimely sanctioning and disbursal of loansare a part of achieving the objectives of“Doublingthefarmers’ incomeby2022”.Inorder tosecure theadvances,banksobtaincollateral securityon aggregate agricultureadvance of more than Rs.1.00 lakh. Bankscreate the charge on land which is beingofferedbythefarmerforgettingfarmcredit.Afterrepayingtheentireduesbythefarmer,bank further releases the property on therequestoftheborrower.In the current system, it takes time forregisteringthechargeonland,causingdelayindisbursalof loans.Besidesthisfollowingissuesarebeingfacedbythebanks;Issues

a) It has been observed that in manycases, bank’s charge is beingremoved without prior consent ofthelender.

b) In the case of sale of land havingbank’s charge, during themutation,bank’schargeisnotmigrated.

c) During ancestral agriculture landdivision between family membersalready having bank’s charge onparent land, in many cases, bank’scharge is not migrated on all thedividedlandsetc.

The matter of “integration of land recordwith banks” has been raised by SLBCwiththe State Government from time to time.SLBCvideitsletterdated28thMarch2018tothe Commissioner Land Record has giventhefollowingsuggestions:

Suggestions1. Sanctioning authority of loans i.e.

Branch Manager should be given therights to raise requests forcreating/deletingchargeonland.

2. There should have time limit forapprovalofrequest.Ifitdoesnottakeplacewithintheprescribedtimeline,itshouldbeapprovedautomatically.

3. Banks should be given a chance toverify and create their charge in theexisting accounts. In case of multiplefinance,chargeofallsuchbanksshouldberegistered.

4. In the case of “Division of land orMutation”,ifthereisBank’schargeonparent Khasra, it should also bemigratedonothers.

5. Thebenefitsofthissystemistoprovidehasslefreeloanstothefarmers,tosavetimeindisbursementofloans,curbingmultiple financing andalso the fraud.ThissystemneedstobelinkedwiththeSub Registrar office so that it couldprohibit the sale/purchase ofpropertiesalreadymortgagedwiththebanks.

6. Once themakermakes the correctionin Khasra, the printing of the recordshould not be allowed withoutapprovalofthechecker.

7. Loans financed by the cooperativebanksshouldalsobebroughtunderthepurviewof registrationof record intothe portal to restrain multiplefinancingetc.

TheStateGovernmenthasgivenimportancetotherequestandsuggestionsofSLBCandanewsoftwareisbeingdevelopedtoprovidehassle free loans to the farmers. Draftdetails of the mortgage module are asmentionedbelow:


MORTGAGEMODULE1. Current Status of Land Records

computerizationinMadhyaPradesh:

a. The Land Records for the entireStatehasbeencomputerized.

b. There are two IT systemscurrently functional for landrecordsmanagement

i. NIC’sBhu-abhilekh:Offlinesoftwarethatisbeingphasedoff

ii. WebGIS: Online land recordsmanagementsystemwhichisbeingrolledoutacrosstheState.

c. The entire State would be startusing WebGIS in a period of sixmonths.

d. The mortgage module will berolled out in WebGIS. For non-WebGIS districts the creation ofmortgage would follow thecurrentprocess.

2. Registrationofbanks:

a. Any bank can apply for

registrationinWebGISandwouldalso submit awritten applicationtotheLBO.

b. The Lead Bank Officer of theDistrict would approve theonboardingoftheBankonWebGISandapprovetheusercredentials.

3. Functionalities to be available for

banks:

a. Requestforcreationorremovalofcharge

b. Viewing and downloadingcertifiedcopiesoflandrecords

c. DashboardandMIS.d. Analyticalreportsoncropsgrown,

productionandproductivitye. Notifications regarding

proceedingapplication/registration ofproceeding for change in landrecordsofmortgagedlands.

f. Submission of claims andobjections in proceedings relatedto change in land records ofmortgagedlands.

g. Once approved the bank branchwouldbeabletoplacerequestsforcreationofcharge.

h. Access to information on cropscultivatedbythecultivators.

4. Request for creation or removal of

charge:

a. Theprocesswouldbedifferentforregistered and un-registeredmortgage

b. RegisteredMortgage:i. Whenamortgagedeedisregisteredin the sub-registrar’s office, anapplication for creationofa chargeofmortgagewouldbeautomaticallycreatedinWebGIS.

ii. An acknowledgement would bedeliveredtothepartiestomortgageat the time when they collect thecopy of the registered deed. TheacknowledgementwouldalsohaveauniqueIDfortheapplicationandtheservice charges for creation ofmortgage.

iii. Once, the fees is paid the chargewouldbecreatedwithintwodays.

iv. A copy of the land records will bemadeavailabletothebankthroughitslogin.

5. Unregisteredmortgage:

i. Application in prescribed formatwouldbefilledonlineinWebGIS

ii. Both the Bank official and Loaneewould have to authenticatethemselves through aadhaarauthenticationandpaytherequiredfeesonline.

iii. Applicationwould be forwarded totheRevenueDeptofficials

iv. Revenue department officials willcreate a charge in two days afterconducting an enquiry to identifytheveracityofthebhumiswami.

b. Removalofchargeofmortgagei. Applicantwillsubmitapplicationforremovalofchargeofmortgage

ii. NOCwouldbesoughtfromthebankthroughWebGIS.


iii. In casebankgivesNOC, the chargewillberemoved.

iv. Incasebankdoesn’tgiveNOC,itwillhavetosubmitareplydetailingthereasonsfornotprovidingNOC.

v. The Presiding Officer of the courtwould decide on this matter afterconsidering information providedbybothparties.

6. DashboardandMIS.

a. Bank would be able to link the

records of all the land for whichmortgage has been created in itsfavourwithitsaccount.

b. Details such as applications forcreationofmortgageanddecisionof the Revenue Dept Officials oncanbeviewed.

7. Viewing and downloading certified

copiesoflandrecords

a. Banksshallbeabletoviewkhasra,B-1andmapsthroughtheirlogin

b. They can also obtain certifiedcopiesofthelandrecordsthroughWebGIS.

8. Information on proceeding forchanges in land records ofmortgageland:

a. Notifications would be made

available to banks whenever acaseforchangeinthelandrecordsofmortgagedlandisregistered.

b. Mechanism for submission ofclaims and objections onlinewould be made available forbanks.

c. Case status and decision of thecompetentauthoritywillbemadeavailabletobanks.

9. Financialmodel

a. WebGISisaPPPprojectbasedon

revenue from sale of extracts oflandrecords.

b. Hence, an amount approved byGovernmentshallbeleviedforthevariousservicesoffered.

The State Government is requested tostartmoduleofon-linechargecreationattheearliest.

Thematterisputupfordiscussions.


AGENDANO-10

REVIEWOFPERFORMANCEUNDERANNUALCREDITPLANOFFY2017-18 Numberinactualsandamountincrores

Sr. No. Sector

FY 2016-17 Financial Year 2017-18

Target Achie. Achi. % Target Achievement Achi.

% Amt. Amt. Amt. No. Amt. No. Amt. Amt.

1 Agriculture 80988 64162 79 3700878 94868 4058183 60882 64 1a Farm Credit 75927 60077 79 3418692 88374 4023139 56469 64 1b Crop loan out of 1a 58521 50034 85 2594512 67229 3399104 46493 69 1c Agriculture Infrastructure 3184 888 28 187088 3905 11157 614 16 1d Ancillary Activities 1877 3197 170 95098 2589 23887 3799 147 2 MSME 16123 16516 102 444309 18441 554783 22512 122 2a Micro Enterprises * 7928 * 315927 11493 513536 12056 105 2b Small Enterprises * 6158 * 21729 2865 29364 7752 271 2c Medium Enterprises * 1610 * 11803 1101 2612 2354 214 2d KVIC * 44 * 11183 910 2530 108 12 2e Other under MSME * 777 * 83667 2072 6741 243 12 3 Export Credit 425 219 51 2518 529 97 282 53 4 Education 1435 373 26 28775 1138 18463 362 32 5 Housing 5948 3584 60 188147 6996 104960 3428 49 6 Social Infrastructure 3914 23 1 90492 1410 454 105 7 7 Renewable Energy 271 17 6 31470 356 24 10 3 8 Others 0 2784 * 118795 3141 153193 2596 83 9 Total Priority Sector 109104 87678 80 4605384 126879 4890157 90177 71

10 Total Non-Priority Sector 3252 27498 846 156715 5076 670018 58683 1156

11 Total Credit Plan (9+10) 112356 115176 103 4762099 131955 5560175 148860 113

*NotargetsBankwiseperformanceisshowninTableno.9(i),9(ii),10,11(i),11(ii)&12HIGHLIGHTS§ ThepotentialcreditoutlayFY2017-18for

priority sector lending was estimated asRs. 126879 crore, with an increase of16.29% over the projections of thepreviousfinancialyear.

§ Asagainstthe targetofRs1,31,955crore(priority & non-priority), under AnnualCreditPlan forFY2017-18,anamountofRs1,48,860crorewasdisbursedduringFY2017-18, recording an achievement of113%abovethancorrespondingperiodoflastyear,whichwas103%.

§ TheBanksdisbursedRs90177croretotheprioritysectorasonMarch-18againstthetarget of Rs 126878 crore withachievementindexof71%,whichisbelowthe achievement of 80% duringcorrespondingperiodofpreviousfinancialyear.

§ TheBanksdisbursedRs60882croreason

March 31, 2018to the agriculture sectoragainst the target of Rs 94868 crore andachieved64%of the targetasagainsttheachievementof79%duringsameperiodofFY 2016-17. Achievement of Commercialbanks,regionalruralbanks&cooperativebankswere75%,55%&65%respectivelyduringMarch-18quarterofcurrentfiscal.


§ Crop loansoutlayofRs.67229crores for

FY 2017-18, constitutes a major share(51%)inthecreditplan.Thecreditflowto

this sector was Rs 46493 crore withachievementof69%duringFY2017-18.

§ Banks performed well under Ancillaryactivities category and achieved 147%ofthetargets.LoansuptoRs.5croretoco-operative societies of farmers, Loans forsettingupofAgri-clinicsandAgribusinessCentres, Loans for Food and Agro-processingup toanaggregate sanctionedlimitofRs100croreperborrower,LoanstoCustomServiceUnits,loanstoPrimaryAgricultural Credit Societies (PACS),Farmers’ServiceSocieties(FSS)etc.comeunderancillaryactivities.

§ Against the allocation of Rs 6996 crore

credit for the housing sector (prioritysector), the credit off take was Rs 3428

croreattheendofthirdquarterofcurrentfiscalandachievementindexwas49%.

§ Under MSME (priority sector), banksdisbursed Rs. 22512 crores during FY2017-18asagainstthetargetofRs.18441crores and achieved 122% of the targethigher than the achievement of 102%during same period of previous financialyear.

§ PerformanceunderSocialInfrastructure&

Renewable Energy sectors are yet to bepickedupasachievementduring2017-18wasonly7%&3%respectively.

AgencywiseACPperformanceFY2017-18uptoMarch31,2018

Amountincrore

Bank Type

Agriculture MSME Priority Sector

Target Achiev. Achi.%



CBs 59900 42905 72 16738 21865 131 88786 71330 80

RRBs 12001 5150 43 940 618 66 13858 5969 43

Co-Ope. 22966 12826 56 765 28 4 24237 12878 53

Total 94868 60881 64 18442 22512 122 126880 90177 71

§ DatashowsthatCBs(CommercialBanks)disbursedRs.42905crore,21865croreandRs.

71330croreunderagriculture,MSMEsandprioritysectorandachieved72%,131%and80% of the targets respectively.While RRBs could achieve only 43%, 66%& 43% andcooperativebankscouldachieve56%,4%and53%inthesesectorsrespectively.

§ RRBs&cooperativebanksneedtogiveaseriousthoughttotheissueandincreasefinance

toagriculturesectorastheyareamongthedriversofagriculturalcreditintheState,whichisprimarilyanagrarianeconomy.

Thisissueispresentedfordiscussion.


AGENDANO-11

GOVERNMENTSPONSOREDSCHEMES MUKHYAMANTRIKRISHAKUDYAMIYOJANA(AMENDMENT)Thisschemehasbeenlaunchedforfarmer’sson/daughtertoestablishagriculturebased/alliedanewunitundermanufacturing,serviceandretail rectors.TheGovernmentofMadhyaPradeshvidetheirletterdated23.04.2018amendedtheschemeasunder:Projectcost-Rs.50,000/-to2croresEligibility• Age-18-45years• EducationalQualification-Minimum10thpass• EligibleunitunderManufacturing,ServiceandRetailsectorsImplementingagenciesTheschemewillbeimplementedby12departmentsoftheStateGovernment.Otherfeatures/criteriaareasgivenbelow:• Financialassistance

a) Marginmoney-

• 15%oftheprojectcapitalcost(Max12lakh)forGeneralcategory• 20%oftheprojectcapitalcost(Max18lakh)forBPLcategory

b) Interestsubsidy-6%peryearoftheprojectcapitalcostforwomen&5%peryearfor

othersfor7years(max5lakhperyear)

c) CGTMSEGuaranteefees-Attheprevailingratefor7years.

• Farmer’s son/daughter will be those whose parents or self-have agriculture land andhe/sheisnotanincometaxpayer.

Thisamendmentisputupforadoptionbythehouse.


NumberofbeneficiariesMukhyaMantriYuvaUdyamiYojana(MMYUY)

Year Target Disbursement Achievement%2014-15 1000 995 1002015-16 1500 1510 1012016-17 2000 2030 1022017-18 1750 1650 94

MukhyaMantriSwarojgarYojana(MMSY)Year Target Disbursement Achievement%

2014-15 31600 32611 1032015-16 54000 54318 1012016-17 68000 68386 1012017-18 74400 73467 99

MukhyaMantriArthikKalyanYojana(MMAKY)Year Target Disbursement Achievement%

2014-15 20700 17953 872015-16 16000 17848 1122016-17 30000 31079 1042017-18 36100 35477 98

Total(all3SelfEmploymentSchemes)Year Target Disbursement Achievement%

2014-15 53300 51559 972015-16 71500 73676 1032016-17 100000 101495 1022017-18 112250 110594 99

CATEGORYWISENUMBEROFBENEFICIARIESDURINGFY2017-18UNDER

MMYUY,MMSYANDMMAKY

Women, 27282, 14%

SC, 22286, 12%

ST, 17496, 9%Others, 123094,

65%

Mukhya Mantri Self Employment Generation Schemes

Women SC ST Others


PRADHANMANTRIEMPLOYMENTGENERATIONPROGRAAME(PMEGP)FY2017-18

Amountincrore

Agency

Target Achievement Achievement % in M.M utilization No.

Margin Money (M.M.)

No. of Employment No.

Margin Money (M.M.)

No. of Employment

KVIC 1138 22.76 9104 350 15.84 2800 70 KVIB 1138 22.76 9104 449 18.03 3592 79 DIC 1518 30.35 12144 1019 42.73 8152 141

Total 3794 75.87 30352 1818 76.6 14544 101%

NATIONALRURALLIVELIHOODMISSION(NRLM)FY2017-18

Amountincrore

Particulars Number Amt. Target 49481 550 Cases submitted 54080 905 Sanctioned 43840 717 Disbursed 39224 616 Achievement% (Disbursed amount) 112%

PRADHANMANTRIMUDRAYOJANA(PMMY)FY2017-18 Numberinactuals&Amountincrores

Bank’s Type Target SHISHU KISHORE TARUN TOTAL Achie%

Amt. A/c Amt. A/c Amt. A/c Amt A/c Amt. Amt. Public Sector

Banks 5000 65260 158 91575 2084 29481 2101 186316 4343 87

Private Sector Banks 752 507675 1462 42578 607 4468 260 554721 2329 310

Regional Rural Banks 675 20153 82 12533 170 893 56 33579 308 46

BANK'S TOTAL 6427 593088 1702 146686 2861 34842 2417 774616 6980 109 Micro Finance

Companies 3283 1457131 3699 2506 19 4 0 1459641 3718 113

Small Finance Banks & NBFCs * 463860 1053 34805 686 6165 411 504830 2150 -

GRAND TOTAL 9710 2514079 6454 183997 3566 41011 2828 2739087 12848 132 BankwiselistisgiveninTableno.27


STANDUPINDIASCHEMEFY2017-18

DistrictwiseperformanceisshowninTableno.28PRADHANMANTRIAWASYOJANA-URBAN-CREDITLINKEDSUBSIDYRELEASE

STATUS

Particulars Cumulativeupto31.03.2017 2017-18 Cumulativeup

to31.03.2018

No.ofcasesfor(Banks&HFCs) 1874 6595 9469

SubsidyreleasedRs.incrores 32 129.22 161.22

FinancialinstitutionwisestatusisshowninTableno.29ISSUESRELATEDTOGOVERNMENTSPONSOREDSCHEMES

1. One of the implementing agencies of government sponsored schemes i.e. DIC hasdevelopedanon-lineportalforprocessingtheloanapplicationsunderMukhyaMantriYuvaUdyamiYojana,MukhyaMantriSwarojgarYojana,MukhyaMantriArthikkalyanYojana&MukhyaMantriKrishkUdyamiYojana.Banksarerequested to instruct theirrespectivebranchestoprocesstheloanapplicationsoftheseschemesthroughMPOn-linePortal.

2. Presently only three private sector banks viz. Axis Bank, ICICI Bank &TamilnaduMercantileBankhaveonboardedonMPOn-lineportal.RemainingprivatesectorbanksarerequestedtosharethedatawithMPOn-linetoon-boardthesame.

Thematterisplacedforinformation/discussion.

10430

766

19.845.31

185.35

0 0.5 1 1.5 2 2.5 3 3.5

-50

0

50

100

150

200

0100200300400500600700800900

SC ST Women

Sanctioned number in actual & amount (crore) during FY 2017-18

Number Amount


AGENDANO-12OPENINGOF“BANKINGOUTLETS”INVILLAGESHAVINGPOPULATION5000ANDABOVE

• Outof47identifiedvillagespopulationmorethan5000andnothaving“BankingOutlet”,43centreshavebeencoveredbybanksattheendofMarch31,2018.14Centreshavebeencoveredthroughbrickandmortarbranchesand29centreshavebeencoveredthroughBankingOutletsmannedbybusinesscorrespondents.

• 4 centres namely Manhad, Goara, Rahabali Ubari and Jawasain in Bhind district stillremaintobecovered.PNBinformedthattheBCAgentsshallbedeployedatallthefourcentresasperthereviseddefinitionof‘BankingOutlet’ofRBIattheearliest.

• Further, Department of Financial Services, Government of India vide letterF.No.20/57/2010-FIdated16April2018issuedalettertoallSLBCConvenors.Referringpara6.1ofthecircularofReserveBankofIndiadated18.05.2017on“RationalizationofBranchAuthorizationPolicy”,itismentionedthat

"AsperextantguidelinesofRBI,domesticScheduledCommercialbanks,specificallyrestrictedfromprovidinggeneralpermissiontoopenbankingoutlets,arepermittedtoopenfixedpointBusinessCorrespondentoutletsinruralareaswithoutobtainingRBIpermission.Further,suchbanknothavinggeneralpermissionforopeningbankingoutletsmayobtainpriorapprovalfromRBI."

Thematterisplacedfordiscussion.


AGENDANO-13

CREDITDEPOSITRATIO Amountincrore

SR. IMPORTANTINDICATOR Ma-17 Mar-18 Y-o-Yvariation

Y-o-Yvariation

% ALLBANKS 1 (i)AggregateDeposits 336950 365432 28482 8.45 (ii)BankCredit 240064 272924 32860 13.692 SCHEDULEDCOMMERCIALBANKS(SCBs) i. AggregateDeposits 295728 324203 28475 9.63 ii. BankCredit 197260 229915 32655 16.55 iii. AggregateDeposits,AllIndia 10757690 11475280 717590 6.67 iv. BankCredit,AllIndia 7841470 8650680 809210 10.32 v.CDRatioofSCBs,AllIndia 72.89 75.39 2.49 2.49 vi.CDRatioofSCBsinM.P. 66.70 70.92 4.21 4.213 CreditDepositRatio(Percent) CommercialBanks 67 71 4.21 4.21 RegionalRuralBanks 57 59 2.38 2.38 CooperativeBanks 146 146 0.18 0.18 AllBanks 71 75 3.69 3.69 AllBanksaspercreditplaceofutilisation 74 78 3.6 3.6• On a year-on-year (y-o-y) basis,

aggregatedepositsgrewattherateof8.45%andbankcreditgrewattherateof17.55%(y-o-y).

• Annual growth rate in aggregatedeposits of Scheduled CommercialBanks was 9.63%, whereas it was16.55% for credit as on March 31,2018.

• The credit-deposit (C-D) ratio of allSCBs in the state increased to

71duringMarch-2018from67%ayearago.

• CD ratio of the state increased from71%ayearagoto75%duringMarch-2018.

• Including the credit, which has beenfinancedfromoutsidethestatebutitisbeingutilizedinthestate,theCDratiocomesto78%duringMarch2018.Anamount of Rs 10647 crore credit isbeingutilizedinthestate.

Bankwisedeposits,advances&CDRatioisshowninTableno.3(i)

1.81 2.21 2.50 2.94 3.03 3.37 3.65

1.13 1.39 1.65 1.88 2.22 2.40 2.73

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 .Mar-17 Mar-180.20

2.20

4.20

Chart showing trend of Deposits & Advances over few yearsAmount in Lakh Crore

Deposits Advances


DISTRICTSWITHCDRATIOBELOW40%ASON31.03.2018 Amountincrores

Sr. Districts Lead Bank

Deposits Advances Variation CD Ratio%* Mar-17 Mar-18 Mar-17 Mar-18 Dep. Adv. Mar-17 Mar-18

1 ANUPPUR CBOI 3169 3318 598 616 149 18 18.87 18.57 2 DINDORI CBOI 885 1074 321 341 189 20 36.27 31.75 3 MANDLA CBOI 2521 3015 889 964 494 75 35.26 31.97 4 SHAHDOL CBOI 3383 3698 1069 1192 315 123 31.60 32.24 5 SINGRAULI UBI 7841 8203 2047 2139 362 92 26.11 26.08 6 TIKAMGARH SBI 3069 3449 1118 1319 380 201 36.43 38.24 7 UMARIA SBI 1751 1832 417 497 81 80 23.81 27.12

Districtwisedeposits,advances&CDRatioason31.03.2018isshowninTableno.3(ii)

• The CD ratio of Anuppur, Dindori,Mandla,Shahdol,Umaria&Singraulidistricts has been reported belowthe benchmark historically.Tikamgarh district being near to40%markmigratesbothways.

• A special DCC meeting wasconducted in Umaria district on27.04.2017 to draw monitor ableaction points to increase the creditdeposit ratio.Yearonyear increaseinadvancesreportedRs80croreasonMarch31,2018.

• Special Sub Committees have been

formed in Dindori and Mandladistricts on 26.02.2018 and28.02.2018respectively.

• District Shahdol held DCC meetingon 21.03.2018 and prepareMonitorableActionPoints(MAPs).

• The concerned districts have beentaking special initiatives toovercometheissueoflowCDratiointhepast.But,thesedidnotyieldthedesiredresult.

• There is a Sub-Committee of theSLBCtotacklethisissue.Convenerof the Sub-Committee is UnionBank of India. UBI should takeleadtoholdmeetingsregularly.

Thisissueispresentedfordiscussion.


AGENDANO-14

FINANCIALINCLUSION Statusason31.03.2018 Number&amountinlac

[A]OperativeCASA(CurrentAccounts&SavingsAccounts) Mar-17 Mar-18 Y-o-Y

variationY-o-Y

variation%

No.ofoperativeCASAbanka/c 521 598 77 14.78No.ofa/cseededwithAadhaar 358 503 145 40.50Aadhaarseeding% 68.74 84.11 15.37 15.37No.ofAadhaarauthenticatedCASA * 293 * *%ofAadhaarauthenticatedCASA * 49.00 * *No.ofa/cseededwithmobileno. 309 385 76 24.6Mobileseeding% 59.42 65.59 6.17 6.17[B]PMJDYAccounts No.ofPMJDYAccounts 249 273 24 9.64Balanceheldintheaccounts 283274 368235 84961 29.99AverageBal.intheaccounts(Rupeesactual) 1140 1349 209 18.32No.ofZeroBalancea/cs 67.79 19.47 -48.32 -71.28%ofZeroBalanceaccounts 27.27 7.13 -20.14 -20.14No.ofAadhaarseeding 160 214 54 33.75Aadhaarseeding% 64.47 78.39 13.92 13.92RuPaycardissued 180 195 15 8.33RuPaycardissuance% 72.27 71.43 -0.84 -0.84BankwisestatusonAadhaarAuthenticationisgivenintableno-31

§ As on 31stMarch 2017, there were 5.21crores operative CASA accounts includingPMJDY accounts, which increased to 5.87croreduringayearasonMarch31,2018.24lakh PMJDY accounts increased during ayearandthe totalsuchaccountswere2.73croreasonMarch31,2018.

§ Out of total operative CASA accounts,percentage of Aadhaar andmobile seedingwas84%and66%respectively.

§ In PMJDY accounts, percentage of Aadhaarseedingwas78%.

§ 7.13%PMJDYaccountsarestillinoperativeandtherewasnobalanceintheseaccountsasofMarch31,2018.However,itisreducedfrompreviousyear.

§ Total balance in PMJDY accounts wasincreasedtoRs.3682croresasofMarch31,2018 from Rs. 2833 crore a year ago.Average balance per account comes to Rs.1349/-ason31.03.2018.

§ During current fiscal, 24 lakh new PMJDYaccountswereopened.

§ Asof31.03.2018,AadhaarauthenticationpercentonCASAaccountswere53%.

EXTENSION FOR SUBMISSION OFAADHAAR AND PERMANENT ACCOUNTNUMBERMinistry of Finance (Department ofRevenue)videitsGazettenotificationdated31st March 2018, circulated the followingorderinrespectofAadhaarbandPermanentAccount Number (PAN) seeding with theaccount.G.S.R. 314(E).—whereas the Hon’bleSupremeCourt,videitsinterimorderdated13thMarch,2018inthecaseofJusticeK.S.Puttaswamy(Retd.)&Anr.V.UnionofIndia,W.P.(Civil)494/2012etc.(AadhaarCases),has extended the last date for linkingAadhaar with existing bank accounts from31.03.2018tillthefinaljudgmentofthecase.


“GRAMSWARAJABHIYAN”CAMPAIGNFROM14THAPRIL2018TO5THMAY2018As per directives of Department of Financial Services, Government of India “Gram SwarajAbhiyan”campaignorganisedinthestatefrom14.04.2018to05.05.2018.Bankswererequestedtoensurethefollowingforachievingsaturationintheselectedvillages(404villagesinMadhyaPradesh)inthestateduringthecampaignperiod.

a) AllunbankedadultsaretobecoveredunderPMJDYaccount.b) Allun-insuredeligiblepersonsaretobecoveredunderPMSBY&PMJJBYaspertargets.c) ActivatetheexistinginactiveJan-Dhanaccounts,ifanyetc.

ThebasebranchmanagersofrespectiveSubServiceAreasandtheLDMconductedsurveyinthevillages.Thetargetssetvis-à-visachievementsareasgivenbelow: No.ofBeneficiaries

Scheme SetTarget Achievement Achievement%PMJDY 50366 56811 113%PMSBY 51771 59743 115%PMJJBY 30823 32649 106%

DEPLOYMENT OF ADDITIONAL BC IN LOCATIONS NOT HAVING BANKING FACILITIESWITHIN5KMANDATLOCATIONSWHEREVERITISVIABLEWITHINSUBSERVICEAREA(SSA).

DuringPMJDYcampaignin2014,all54903villagesacrossthestatehavebeenmappedwithvariousbanksaccordingtotheserviceareaofeachbanktohaveatleastonefixedpoint banking outlets/BusinessCorrespondents catering to 1000-1500householdspreferablywithintheradiusof5km,calledasSubServiceArea.Thereare11864SubServiceAreas(SSAs)inthestateandallarecovered.Outof 11864SSAs,1521SSAsare coveredthroughbrickandmortarbranches. InrestoftheSSAs,10343BusinessCorrespondents(BCs) are providing basic banking servicesi.e.openingofbankaccounts,cashdeposits,cashwithdrawal, transferof funds,balanceenquiries,Aadhaarseedingetc.TheBCmaycater his/her services to the neighboringvillagesinhisarea.

Department of Financial Services,Governmentof India vide their letterF.No.21(23)/2014-FI (Mission) 347323 dated17.05.2018issuesfollowinginstructions.

a) There is immediate need fordeploymentofBCatinactivelocations.Banks to ensure that all BCs arefunctioninrespectiveSSAs.Incaseofinactive location, BC should bedeployedby31.05.2018.

b) District Level ImplementationCommittee (DLIC) headed byDistrictCollector may decide to choose aRation shop, a fertilizer shop or SHGmemberasBCinidentifiedlocations.

c) Issue of viability of existing BC mayalso be discussed and as decided inDLIC, the committee can allot the BCpoints to any bank if SSA bank isrefusing to deploy BC in reasonabletimeframe.


KEEPINGBIOMETRICDEVICEINALLBANKBRANCHES

ThedepartmentofTribalAffairshasundertakenanexercisetolinkbankaccountstolinkbankaccount of tribal beneficiaries with Aadhaar number. Pilot programme has been started inBalaghatdistrict.IthasbeenreportedthatAadhaarenrolmentworkandalsoe-KYCfacilityhavenotbeeninstalledinallbankbranches.

Allbanksarerequestedtoinstallbio-metricdeviceinalltheirrespectivebranchessothate-KYCoperationcanbedonesmoothly.

SOCIALSECURITYSCHEMES-STATUSASON31.03.2018

Numberofbeneficiariesinactual

SCHEME Mar-17 Mar-18Y-o-Y Y-o-Y

VARIATION VARIATION%

PMJJBY 1552036 1841072 289036 19%

PMSBY 6596887 7474296 877409 13%

APY 199452 523393 323941 162%

TOTAL 8348375 9838761 1490386 18%DistrictwisestatusonPMJJBY&PMSBYisgiveninTableno-30PERFORMANCEOFRURALSELFEMPLOYMENTTRANINGINSTITUTES(RSETIs)

§ The50RuralSelfEmploymentTraining

Institutes(RSETIs)and1RUDSETIintheState, an initiative of Ministry of RuralDevelopment (MoRD), are impartingtraining and skill up-gradation to ruralyouth encourage towardsentrepreneurshipdevelopment.

§ TheReserveBankofIndiainitscirculardated6thApril2018issuedthefollowinginstructions:

a) Rural Self Employment TrainingInstitutes (RSETIs) should be moreactively involved and monitored atvariousforaofLBSparticularlyattheDCClevel.

b) Focus should be on development ofskills to enhance the creditabsorption capacity in the area andrenewing the training programmestowards sustainable microenterprises.

c) RSETIs should design specificprogrammesforeachdistrict/block,keepinginviewtheskillmappingand

the potential of the region fornecessary skill training and skill upgradation of the rural youth in thedistrict.

PerformancehighlightsofRSETIsintheStateason31.03.2018FY2017-18§ There was a target of 1231 number of

programmesforfinancialyear2017-18,out of which 1342 training programswereconductedduringtheyear.

§ Outofthetargetoftotal35570traineesforFY2017-18,36179candidatesweretrainedupto31.03.2018.

§ Out of total trained candidates, 7636,8141&24210werefromSC,STandBPLcategoriesrespectively.

§ Sinceinception,6919programmeshavebeen conducted wherein, 191022candidates were trained. Out of these,128733 candidates are settled andsettlementratiowas67.39%.


AGENDANO-15

ENAGAGEMENT OF LEAD DISTRICT MANAGERS (LDMs) IN ACTIVITIES OTHERTHANPRESCRIBEDBYRBIIn order to implement governmentsponsored schemes and to have bettercoordination between the government andthe banking fraternity, the “Lead BankScheme”was introduced by the RBI underwhich the Banks are supposed to appointLeadDistrictManager in each district. Thescheme is working successfully across thecountry.The effectiveness of Lead Bank Schemegenerally depends upon the dynamism ofDistrictCollectorandLeadDistrictManager.RBI in their master circular has clearlydefined the role of LDMs, which has beenenclosedhereto.Asperthescheme,theLDMis expected to undertake leadership forcoordinatingtheeffortsofcreditinstitutionsandgovernmentagencies.Of late, it has been observed that alongwiththecoordinationjob,LDMsarealsomade to work for complaint redressal.The State Government has brought in averycomprehensivegrievanceredressalmechanismthroughChiefMinister'shelpline wherein the different levels ofredressal of complaints have beendefinedbythegovernment.ThefirstlevelofredressalisL-1andforallcomplaintsrelated to activities, the LDM is madegrievanceredressalofficeratLevel-1.Due to vastnetworkof bankbranches andlarge number of schemes underimplementation, the volume of complaintsreceivedishugeandthetimeperiodallottedtotheL-1officerforredressalis7days.Assuch,majorchunkoftheLDM’stimeisbeingconsumedingrievanceredressalandinthe

process,themainfocusoncoordinationanddevelopmentalactivities in thedistrictgetsimpaired.Timeandagain,thisissuehasbeentakenupwithDirectorateof Institutional Financeofthestategovernmentandotherappropriateforum.But,itisyettoberesolved.We suggest that under the grievanceredressal mechanism (CM Help Line), thegovernment may assign the role of L-1officer to an officer of the concerneddepartment of the government whoseschemes are being financed by the Banks.ThiswillnotonlyhelpquickdisposalbutwillalsoenabletheLDMstoconcentrateontheirprimary role of coordination betweendifferent stake holders for successfulimplementation of various schemes.However,theLDMwillcontinuetoprovidegrievanceredressaltotheextentpossibleatDLCCmeetings.All the LDMs have been raised aserious concern about thisarrangementandfindasahindrancetotheirjobroleasdefinedintheLBSscheme.DuringlastSLBCmeetingthesaid matter was also flagged. TheState Government had assured toresolve the issue at the earliest.However, it could not be brought tologicalend.Thematterisplacedfordiscussion.


AGENDANO-16

NON-PERFORMINGASSETS(NPAs)

SECTORWISENPA (Amountincrores)

Sector Mar-17 Mar-18 Y-o-Y variation

Y-o-Y variation

%

Total exposure O/s as on 31.03.18

% NPA of the

portfolio

Agriculture 7398 8908 1510 20.41 99393 8.96 MSME 3220 4049 829 25.73 52518 7.71 Education 110 119 9 8.37 1911 6.24 Housing 539 895 356 66.05 19521 4.58 Others 575 613 38 6.67 1739 35.27 Priority Sector 11842 14584 2742 23.15 175082 8.33 Non-Priority 4601 7387 2786 60.56 97842 7.55 Total NPA 16443 21971 5528 33.62 Total Advances 240064 272924 32860 13.69 272924 100.00 NPA % 6.85 8.05 1.20 1.20 *Othersinclude-Socialinfrastructure,Renewableenergy,loanstoSHGs/JLGs,Loanstodistressedpersonsotherthanfarmersetc.OVBSERVATIONS

§ TotalNPAofbanksincreasedby34%yearonyearasonMarch31,2018asagainst29%previousyear,showingincreaseofRs.5528crorey-o-y.

§ Agriculturesectorat8.96%NPAoftheportfoliowastopamongstothersectors,followedbyMSME,educationandhousingsectorat7.71%,6.24%&4.58%respectivelyduringMarch31,2018.

7654

1271216445

21971

4.06%5.71%

6.85%

8.05%

0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%8.00%9.00%

0

5000

10000

15000

20000

25000

2014-15 2015-16 2016-17 2017-18

Chart showing NPA amount & NPA % to total advancesAmount in crore

NPA

NPA% to Total Advances


NON-PERFORMINGASSETSUNDERGOVERNMENTSPONSOREDSCHEMESSTATUSASON31.03.2018

Amountincrores

Nameofthescheme

March-17 March-18 Y-o-YvariationNPA%oftotalloanportfolioas

onMar-18No. Amt. No. Amt. No. Amt. No. Amt.

MMYUY/MMSY 15915 144 22256 251 6341 108 16% 7%PMEGP 2999 59 3434 87 435 28 18% 11%CMRHM 62679 411 94124 632 31445 221 16% 14%SHGs 13974 61 22193 86 8219 25 19% 9%MUDRALOANS - - 32787 469* - - 4% 6%*ExcludingMFIs/NBFCsOBSERVATIONS § Increasingdelinquenciesingovernmentsponsoredschemesappeartobeonahighsideand

amatterofconcernfortheBanks.§ Intermsofnumberofaccounts,delinquencyratioismorethan10%oftheportfolio,whereas

overduepositionisalsoalarming.§ TheStategovernmentmaygiveaseriousthoughtonthisscoresothatdelinquencyratiocan

becurbedundergovernmentsponsoredschemes.BRISC(BANKRECOVERYINCENTIVESCHEME)-STATUS

Periodfrom01.04.2010to24.05.2018 AmountincroresSr. Particulars Number

inlac Amount

1 SubmittedbyBanks 7.56 108202 ForwardedbyTheirNodalDist.Branch(s) 6.62 92433 AllottedbyDistrictAdministrationtoRevenueOfficers 6.13 85234 DemandNoticeissuedbyRevenueOfficers 4.73 68715 RecoveryreceivedagainstDemandNotices 0.33 3076 DisposedofRRC(s)ByDistrictAdministration 0.04 257 RRC(s)PendingforDisposal 4.69 6565

Source:BRISCPortal,DIF,Govt.ofM.P.

Thematterisputupfordiscussion.


COMPARATIVESTUDYOFREVENUERECOVERYCERTIFICATE(RRC)MODELOFMADHYAPRADESHANDUTTARPRADESH

To facilitate the banks in recovery of theirdues with borrower, the Government ofMadhya Pradesh passed “The MadhyaPradesh LokDhan (ShodhyaRashiyon KiVasuli)Adhiniyam in 1987.Purposewas torecoverthepublicmoneyandreutilizedfortheir developments. Of late, it is observedthat purpose of the scheme is not gettingdesired result, which is evident from theabovementionedtable.During last SLBC meeting held on08.02.2018,effectivenessofRRCsmodelwasdiscussed,whereinitwasinformedthattheRRCmodelofUttarPradeshissuccessfulandcanbereplicated inthestate.SinceBankofBarodaistheconvenerofSLBCinthestateof U.P., it was requested bank to submitdetailedcomparativereporttoSLBC.ReportisattachedintheagendanoteasAnnexure-I.Summary of the report is as mentionedbelow:

a) There is nomajor difference in theprovisionofLawsinboththeStates.However, some additional featuresareavailableinboththestates.

b) Themajorissueisimplementationoftheenactedlawsonthefloor.

c) TheLawofM.P.isquitegoodbutforthe lack of implementation of thelegalprovisions,desiredresultisnotcomingforward.

The State government is requested toimprove themechanismofRRCmodelandhelp the banks to curb the burden of non-performingassets.

Thematterisputupfordiscussion.

AGENDA 168TH MEETING OF STATE LEVEL BANKERS’ COMMITTEE, MADHYA PRADESH 49

AGENDANO-17

EDUCATIONLOANSSTATUSINMADHYAPRADESHASON31.03.2018AverageticketsizeofeducationloansuptoRs.10lakhwasRs.2.40anditwasRs.9.83lakh for the loans above Rs 10 lakh as onMarch 31, 2018. Education loan underpriority & non priority sector has shown7.86% growth over previous year duringmarch 2018. However, it was negative fortheloansunderprioritysector(UptoRs.10lakh).Total exposure of all banks in MadhyaPradesh to education loans was Rs 2239croreduringpreviousyear,whichincreasedto Rs. 2415 crore as on 31st March 2018.TotalexposureofbanksforeducationloansaboveRs.10lakhwasRs221croreduringprevious year, which increased to Rs. 503croreduringmarch2018.Banksfacea6.24%defaultonthisportfolio–thatisRs.119croreason31stMarch2018as against Rs. 110 crore during previousyear. Default in the loan belowRs10 lakh(prioritysector)was6.07%&itwas0.62%fortheloansaboveRs.10lakhasonMarch31,2018.Outof totalexposureofall thebankstoeducation loans, contribution of Privatesector banks is negligible and held theshareofonly3.91%.PublicSectorBankshaveashareof92.41%.RepaymentisbetterincasesofloansaboveRs. 10 lakh. Generally, the borrowers ofthese loans are settled abroad after study,andtheygetgoodemploymentandareableto repay their dues. Also, such loans arebacked by collateral security. Students arevery mobile. They move away from theirplaceofstudyanditbecomesverydifficultto trace them.Looking to thesedifficulties,IBA has advised to obtain PAN/ Aadhaardetails of the borrower/ co-borrower,however,itisnotmandatory.DelinquencyishighestinthebracketuptoRs4.5lakh

Loans to individuals for educationalpurposesincludingvocationalcoursesuptoRs.10 lakh irrespective of the sanctionedamountareclassifiedunderprioritysector.HIGHER EDUCATION LOANGUARANTEE SCHEME & HIGHEREDUCATION LOAN SETTLEMENTSCHEME, GOVT. OF MADHYAPRADESHThe Government of Madhya Pradeshoperates a “Higher Education LoanGuarantee Scheme” to provide guaranteetomeritoriousstudents,whoareunable toprovidecollateral,incaseofloansaboveRs.7.5lakh.In addition to above, in case ofdemise/permanent disability of thestudents,whohadtakentheeducationloansandtheirfamilyisunabletorepaytheloan,“Higher Education Loan SettlementScheme”isoperationaltoprovidereliefstothefamilyofthestudent.FY 2017-18 TARGET VIS-À-VISACHIEVEMENT UP TO MARCH 31,2018DirectorateofInstitutionalFinance,Govt.ofMadhyaPradeshallocatedatargetof15000casesofRs.300crore forprovidinghighereducation loans by bank during currentfiscal. As on March 31, 2018, bankssanctioned18045numberofcasesofRs.702crore. Out of which, Rs. 309 crore wasdisbursed in 17715 accounts andachievement index was more than 100%.Fortheyear2018-19,atargetof10000casesofRs200crorehasbeenfixedbytheStategovernmentforhighereducationloans.Bankwiseachievementwasgiven inTableno.18

Thisagendaisplacedforinformation


AGENDANO-18

SELFHELPGROUPSBANKLINKAGESDuring the financial year 2017-18, 46439SHGswere credit linked and 13320 SHGsweresavingslinkedbythebanks.InMadhyaPradesh as many as 2.38 lakh SHGs havebeensavingslinkedwithanoutstandingsavingsamountofRs.648croreand1.15lakhhavebeencreditlinkedwithaloan outstanding of Rs 904 crore as on 31March2018.Bankwisedataisshowninthetableno.19Start-up Village EntrepreneurshipDevelopmentProgramme(SVEP)

• SVEP is being implemented inMPSRLM in 3 districts (Barwani,Sheopur&Dindori) of MadhyaPradeshforencouragingruralyouthto take up local entrepreneurshipprograms.

• Theobjective of SVEP is toprovideself-employment to the ruralunderprivileged group throughcommunitymanagedandstructuredapproach

CREDIT FACILITY TO MINORITYCOMMUNITIES,SC/ST&WOMENOutstanding & Disbursement toMinorityCommunityTotal outstanding loans to minoritycommunitywereRs.10266croresto597565 minority communities as of31stMarch 2018. Banks have disbursed anamountofRs.2811Crorescovering204033beneficiaries of Minority CommunitiesduringFY2017-18.BankwisestatusisshowninTableno.20&21

Outstanding&DisbursementtoScheduledCastes(SC)&ScheduledTribes(ST)Totaloutstandingloanstoscheduledcaste&scheduled tribe community were Rs. 8967crores and 6277 crore respectively as onMarch 31, 2018. During current financialyear, 1660 crore and 1324 crore weredisbursed to SC and ST communitiesrespectively.BankwisestatusisshowninTableno.22&23Outstanding & Disbursement toWomenbeneficiariesTotal outstanding loans to women wereRs.25977 crores to 2078470 womenbeneficiaries as onMarch 31, 2018. Banksdisbursed an amount of Rs.7569 crores to853960 women beneficiaries during FY2017-18.BankwisestatusisshowninTableno.24

Thisissueispresentedforinformation.


AGENDANO-19

OTHERAGENDAMDRWAIVER&REVISEDBHIMINCENTIVESCHEMESMinistryofElectronicsandInformationTechnologyvideitsGazetteNotificationdated27.12.2017subsidizedMDRchargesondebitcards/BHIM/UPI/AePStransactionsofvaluelessthanorequaltoRs2000/-.Detailsareasmentionedbelow:

a) MDR(MerchantDiscountRate)applicableondebitcards/BHIM/UPI/AePStransactionsofvaluelessthanorequaltoRs2000/willbebornebytheGovernmentforaperiodoftwoyearseffectivefrom01.01.2018byreimbursementofthesametotheacquirerbankssothatnoMDRispayablebythemerchantinrespectofsuchtransactions.Accordingly,thebanksshallnotchargeanyMDRfrommerchantsforalleligibletransactionsunderthisschemeandconsequently theconsumerswillnotbeoverchargedcitingMDRasareason.

b) MDRchargesshouldnotbepassedonbythemerchantstotheconsumerswhileacceptingpaymentsthroughdebitcards/BHIM/UPI/AadhaarPay

c) Othertermsandconditionswouldbeguidedbytheabovereferrednotification.

AllBanksarerequestedtocomplywiththeprovisionsofabovementionedNotification.

Thisagendaisputupforinformation/discussion.


ANYOTHERISSUEWITHPERMISSIONOFTHECHAIR

Date post:	15-Sep-2020
Category:	Documents
Upload:	others
View:	1 times
Download:	0 times

AGENDA 168TH MEETING OF STATE LEVEL BANKERS’ … · 2018. 6. 11. · Action Taken Report of the...

Documents