Meetings Haryana/Agenda 139th... · Web viewA meeting of select banks was also convened by SLBC...

The 139th meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended 31st

December, 2016 will be held on 15.02.2017 (Wednesday) at 10.30 A.M. at Hotel Mount View, Sector 10, Chandigarh. Following issues shall be taken up for discussions in the meeting:-

AGENDA ITEM NO. 1

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

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

In view of non-receipt of any observation/suggestion on the minutes of 138th meeting of SLBC circulated vide email dated 17.12.2016, the house may confirm.AGENDA ITEM NO. 2

INCENTIVIZING DIGITAL PAYMENTS-DIGI DHAN MELAS

Government of India in order to promote digital payments and to encourage consumers, merchants to increasingly shift to digital payment modes i.e UPI, e-wallet, Aadhaar Enabled Payment System, Cards & POS etc. has launched scheme to reward consumers and merchants, who are using/have used digital transaction modes after 8th

November, 2016 which has been framed by Niti Aayog. The scheme drafted by Niti Aayog is operational with the first draw of winners held on 25.12.2016, leading upto 14th April, 2017. Niti Aayog has the overall responsibility for carrying out promotional activities for the scheme, oversight of the scheme and coordination amongst various

Agenda & Background Papers of 139th Meeting of SLBC Haryana Page 1

139th Meeting of State Level Bankers’ Committee (Haryana)

agencies that are responsible for execution of the scheme. Banks have to make arrangement for the following activities:

Opening of Bank accounts. Seeding of Aadhaar and Mobile Number in the account. Merchant registration for acquisition of POS. Distribution of Prepaid cards, debit cards. Assistance in downloading and usage of various digital payments

apps etc.For Digital India, ‘Go Cashless Go Digital’ is the basic principal.Five such camps at Narnaul (23.12.16), Gurgaon (26.12.16), Nuh (18.01.17), Sonepat (31.01.17) and Ambala (31.01.17) have already been held in the State of Haryana.Member banks are requested to continue above activities in a mission mode on continuous basis for achieving the Digital India and making cashless society drive of Govt. of India a grand success.

AGENDA ITEM NO. 3.1

DIGITAL SAKSHARTA ABHIYAN (DISHA)-CASHLESS SOCIETY DRIVE OF GOVT. OF INDIA

Ministry of Electronics & Information Technology, Govt. of India vide their communication dated 1st December,2016 has informed that CSC e-Governance Services Ltd. (CSC SPV) is launching a programme to mobilize and enable digital payment options across 2.5 lakh gram panchayats, targeting 30 interested merchants and 100 citizens in each Gram Panchayats. Each merchant will be given a two hour structured course, and his/her bank account will be seeded with Aadhaar and mobile number.CSC Village Level Entrepreneurs (VLEs) will contact merchants potentially desirous of shifting to digital finance, train them and where feasible, help them source devices. CSC Village Level Entrepreneurs will also demonstrate the possibilities of enabling Aadhaar Enabled Payment System (AEPS). Member Banks/LDMs are requested to take all steps and extend full cooperation to the representative of CSC/their DMs for successful holding of camps for shift to cashless society.


AGENDA ITEM NO. 3.2

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

NABARD, Central Office, Mumbai vide their Circular No.283/DFIBT-39/2016 dated 6th Dec.,2016 addressed to CMDs/Chairman/CEOs of Scheduled Commercial Banks, State Cooperating Banks and District Central Cooperative Banks had informed that there is a thrust on digital transactions and a need to provide an impetus to cashless transactions amongst the farming community also. As such, there is a need to increase the digital payments and acceptance infrastructure in rural areas. The deployment of Point of Sale Machines (PoS) Terminals will ensure cashless transactions and allow the customers to withdraw small amounts of cash in rural areas and especially in Tier 5 & 6 centres, covering population less than 10000.

Further, It has been decided by NABARD to extend financial support of maximum Rs.6000/- (Rs. Six Thousand only) from Financial Inclusion Fund (FIF) for deployment of PoS Terminals in one lakh villages in Tier 5-6 Centres, subject to a cap of two PoS devices per village.

A meeting of select banks was also convened by SLBC Haryana Secretariat on 19.12.2016 in which DGM NABARD and AGM NABARD briefed the participants about the scheme and requested them to avail the benefits of the scheme and promote cashless transactions. Minutes of the meeting were sent to the SLBC Member banks on 22.12.2016.

Representative of NABARD may apprise the house in this regard.

A list of Retails outlets not having PoS (EDC Terminals for accepting Credit/Debit Cards of banks) received from Mission Office, DFS, Govt. of India has been provided to the SLBC member banks on 23rd

December, 2016 with a request to take up with the outlets for installation of PoS/EDC machine for encouraging cashless transactions.


SLBC member banks are once again requested to contact the concerned outlets for installation of PoS/EDC machine at theirs at the earliest.

The house may discuss.

AGENDA ITEM NO. 4

LAUNCHING OF BHIM APP FOR ON LINE PAYMENTS

In order to steer India towards a digital economy, Hon’ble Prime Minister has launched a new e-wallet app, BHIM, named after founding father of Indian Constitution, Dr B.R. Ambedkar, to make it easier to transact online. The Aadhaar-based mobile payment application will allow people to make digital payments directly from their bank accounts.

The BHIM app is being improved upon so that in time, "only your thumb will be needed to make a payment," said the PM, adding "you will eventually not be dependent on the internet, on smart phones, your thumb will be your bank."

In the recently held video conference with banks which was Chaired by Secretary (FS), the following issues are raised by NPCI:-

BHIM had been adopted by most banks except Corporation bank and the Associate Banks of SBI.

Sponsor banks were asked to ensure that RRBs too are on-boarded as they cater to the rural population and BHIM includes USSD 2.0 which is of particular relevance in rural areas.

The representative of Associate Banks of SBI, Corporation Bank and RRBs are requested to take up with their corporate office for adopting the BHIM application.

AGENDA ITEM NO. 5

IMPLEMENTATION OF PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

5.1 STATUS OF OPENING OF ACCOUNTS UNDER PMJDY


http://www.ndtv.com/india-news/pm-narendra-modi-at-digi-dhan-mela-in-delhi-highlights-1643497

Banks have opened 56,75,611 accounts up to 31.12.2016 under PMJDY since its launching on 28.08.2014. Controlling heads of banks are requested to advise their field staff to continue opening more and more accounts under PMJDY and ensure that no person in the State of Haryana remains unbanked. Banks should also encourage opening of accounts of children/students.

Detail of Accounts opened under PMJDY upto 31.12.2016 is as under:-Total Accounts Opened : 56,75,611

Rural Areas : 29,26,319 (52%)Urban Areas : 27,49,292 (48%)Sr. No.

Parameter Name of the Bank

1 Top 3 Banks Punjab National Bank (11,18,539), Sarva Haryana Gramin Bank (8,16,795) and State Bank of India (7,44,508)

2. Bottom 3 banks

Bank of Maharashtra (29609), Vijaya Bank (23818) and Kotak Mahindra Bank (5195)

Total Accounts Opened as on 30.09.2016 : 53,98,669 Incremental : 2,76,942

Sr. No.


1 Top 3 Banks-Which opened maximum accounts during the Q.E.Dec.,16

State Bank of India (93,463), Punjab National Bank (65,654) and Bank of Baroda (62,639)

2. Bottom 3 banks-Which opened minimum accounts during the Q.E.Dec.,16

Indian Overseas Bank (Zero), HDFC Bank (588) and Indian Bank (378),


Three Banks namely Bank of Maharashtra (-143), Canara Bank (-41272), Dena Bank (-2064), Punjab & Sind Bank (-21496), Kotak Mahindra Bank (-43) and Nainital (-243) have reported negative growth during the quarter ended Dec., 2016.Representative of these banks may apprise the house in this regard.Upto Dec., 2016 an amount of Rs.2473 crore has been mobilized by banks in the accounts opened under PMJDY. During the quarter ended Dec.,2016 an increase of Rs.982 crore has been observed which may be on account of amount deposited during the period of demonetization.Bank wise/District wise position of opening of accounts upto Dec., 2016 is given on Annexure No. 1.1-1.4 (P 104-107).

5.1 (i)-PMJDY-OPENING OF ACCOUNTS-CONVERSION OF SMALL ACCOUNTS TO BASIC SAVING BANK DEPOSIT ACCOUNTS (BSBDA)

The Director, FI, DFS, MOF, GOI, New Delhi vide their office letter dated 30th Sept., 2016 informed that various Ministries/Departments of Government of India and some State Governments are facing problems in transfer of benefits in certain schemes due to restrictions imposed (restrictions on withdrawl of amount more than Rs.10000/-, balance in the accounts not to exceed Rs.50000/- at any point of time, credit limit not to be more than Rs.1 lakh) in the Small accounts, which is about 37% of the PMJDY accounts.As per RBI guidelines, these small accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account holder provides a document showing that she/he has applied for any of the officially valid document within twelve months of opening of the small account.In view of the above, it has been requested to complete KYC of Small Accounts at the earliest so that customers are not put to hardship due to restrictions imposed under “Small Account”.The above communication has been sent to all SLBC member banks and LDMs on 19.10.2016 for initiating necessary action in this regard.


During the last meeting of Steering Committee to SLBC Haryana held on 27.10.2016 and 138th meeting of SLBC Haryana held on 15.11.2016, the Controlling heads of banks were requested to ensure that KYC of Small Accounts is completed at the earliest so that customers are not put to hardship due to restrictions imposed under “Small Account”.It is once again requested to ensure compliance of the DFS, MOF,.GOI, New Delhi instructions issued vide their letter dated 30th Sept.,2016.The house may discuss.

AGENDAITEM NO. 5.2

ISSUANCE OF RUPAY CARDS

Out of 56,75,611 accounts opened under PMJDY, Rupay Cards have been issued in 48,39,816 accounts as at 31.12.2016, which is 85.27% of the total accounts opened. Rupay Cards Issued as on 30.09.2016 : 45,40,877Incremental 2,98,939The %age of issuance of Rupay Cards against the number of accounts opened under PMJDY in respect of the following banks is above 80%:-Sr. No.

% of issuance of Rupay Cards

Name of the Bank

1 Above 80% Allahabad Bank (100%), Andhra Bank (94%), BOB (94%), BOI (87%), BMB (100%), Canara Bank (85%), CBI (83%), Corporation Bank (95%), Dena Bank (87%), IDBI (88%), Indian Bank (97%), IOB (96%), OBC (93%), PNB (89%), PSB (88%), SBBJ (96%), SBI (81%),State Bank of Travancore (94%), SBHYD (98%),SBOP (92%), Syndicate Bank (88%),UBI (77%),UCO (96%),United Bank of India (80%) Vijaya Bank (87%),Axis Bank (85%), Federal Bank (88%),


HDFC Bank (99.99%), ICICI (100%), Indusind Bk (97%), J&K Bank (95%), Kotak Mahindra Bank (96%) and South Indian Bank (92).

2. Less than 50%

Karnataka Bank (25%), Bank of Maharashtra (35%), Nainital Bank (44%), State Bank of Mysore (31%) and Karur Vysya Bank (18%)

Top 3 and bottom 3 banks with their performance under issuance of Rupay Cards are as under:-

Sr. No.


1 Top 3 Banks Allahabad Bank (100%), ICICI Bank (100%) and HDFC Bank (99.99%)

2 Bottom 3 banks

Bank of Maharashtra (35%), State Bank of Mysore (31%) and Karur Vysya Bank (18%)

Bank wise/District wise status of issuance of Rupay Cards is given on Annexure No. 2.1-2.2 (P 108-109).The house may discuss.

AGENDA ITEM NO. 5.3

ZERO BALANCE ACCOUNTS

Out of total accounts 56,75,611 opened under PMJDY, 10,07,939 accounts are zero balance accounts, which is 17.76% of the total accounts opened.Zero Balance as on 30.09.2016 8, 97,861Incremental 1,10,078

Sr. No.

% of Zero Balance A/cs

Name of the Bank

1 Less than 10% Canara Bank (7%),CBI (4%), PNB (6%), PSB


(0.22%), SBBJ (0.20%), SBoM (0%), Karnataka Bank (0%), KVB (0%), SHGB (4%)

2. More than 50%

Catholic Syrian Bank (86%), Nainital Bank (57%), Kotak Mahindra Bank (53%), SIB (51%), Yes Bank (53%)

Top 3 and bottom 3 banks with their performance under Zero Balance Accounts under PMJDY are as under:-

Sr. No.


1 Top 3 Banks Catholic Syrian Bank (86%) Nainital Bank (57%) and Yes Bank (53%)

2 Bottom 3 Banks

Punjab & Sind Bank (0.22%), SBBJ (0.20%), Sarva Haryana Gramin Bank (4%) and Punjab National Bank (6%)

Bankwise/District wise Position is given on Annexure No. 2.1-2.2 (P 108-109).During the deliberations held in 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017 the major public sector banks with high percentage of Zero Balance accounts i.e. SBI (44%) and IOB (42%) were requested to bring the Zero Balance accounts to minimum as the overall position of the State is being affected due to high %age of Zero Balance accounts of major banks.

All other member banks were also requested to bring the Zero Balance accounts to minimum level before the ensuing SLBC meeting.


AGENDA ITEM NO. 5.4

ACTIVATION OF RUPAY CARDS

As per the data received from banks it has been observed that out of 48,39,816 Rupay Cards issued upto 31.12.2016, 38,69,444 cards have been activated which is 79.95% of the total Rupay Cards issued. Out of total 48,39,816 Rupay Cards issued, 7,80,942 Rupay Cards


have been issued in Zero Balance accounts and out of this 2,91,380 Rupay Cards have been activated.Rupay Cards Activated as on 30.09.2016 : 33,69,529

Incremental 4,99,915

Sr. No.

% of Rupay Cards Activated

Name of the Bank

1 Above 85% activation

Allahabad Bk (100%), BOB (90%) BOM (98%), BMB (100%), Canara Bank (87%), IOB (93%), PSB (100%), SBBJ (100%), SBHYD(100%), Syndicate Bk (89%), UBI (85%), UCO Bank (100%), Axis Bank (94%), ICICI Bank (100%), J&K Bank (100%), Karnataka Bank (90%) and Nainital Bk (98%)

2 Less than 50% Activation

Dena Bank (31%), IDBI Bank (36%), SBoM (24%), Federal Bank (38%), Kotak Mahindra Bank (37%) and Yes Bank (40%)

3 Zero % Activation

Karur Vysya Bank

Bankwise/District wise Position is given on Annexure No. 2.1-2.2 (P 108-109).Top 3 and bottom 3 banks with their performance under Activation of Rupay Cards are as under:-

Sr. No.


1 Top 3 Banks Allahabad Bank (100%), Punjab & Sind Bank (100%) and ICICI Bank (100%)

2. Bottom 3 banks Karur Vysya Bank (0%), IDBI Bank (36%) and Dena Bank (31%)

DFS, MOF, GOI, New Delhi vide communication dated 26.11.2015 informed that NPCI has extended 45 days usage condition (minimum one usage in 45 days) to 90 days (minimum one usage in 90 days) for RuPay Classic cardholders with effect


from 25th Nov 2015. It may be noted that 45 days usage condition will remain unchanged for RuPay Platinum Cardholders.

From April 2016 onwards any customer induced transaction done by the account holder at the bank branch within the stipulated period of 90 days will also be eligible for claiming the Rupay card linked insurance benefit.


AGENDA ITEM NO. 5.5

CLAIMS RECEIVED AND SETTLED UNDER RUPAY CARDS

Parameter Unit Accident Claim

Natural Death Claim

Claims Recd. No. 141 131Amt. (Rs. In lacs) 141 39.30

Claims Lodged

No. 141 130Amt. (Rs.In lacs) 141 39.00

Claims Settled

No. 105 110Amt. (Rs.In lacs) 105 33.00

Bank wise Position is given on Annexure No.9.1-9.2 (P 119-120)

AGENDA ITEM NO. 5.6

AADHAAR SEEDING IN THE A/CS OPENED UNDER PMJDY

Out of 56,75,611 accounts opened under PMJDY upto 31.12.2016, aadhaar have been seeded in 43,91,846 accounts which i.e 77% of the total accounts opened under the scheme upto 31.12.2016. The Government of India and State Govt. are implementing various DBT and Social Security schemes through bank accounts linked with Aadhaar to ensure that the benefits reach the genuine/actual beneficiaries.


Detail of aadhaar seeding in the accounts opened under PMJDY upto 31.12.2016 is as under:-Total Accounts Opened under PMJDY : 56, 75,611

Rural Areas : 29, 26,319 (52%)Urban Areas : 27, 49,292 (48%)Aadhaar Seeding in the A/cs opened under PMJDY: 43, 91,846 (77%)Rural : 22, 94,405 (52%)Urban : 20, 97,441 (48%)Aadhaar Seeded as on 30.09.2016 : 40, 66,607

Incremental : 3,25,239

The %age of seeding of aadhaar in the accounts opened under PMJDY in respect of the following banks is given below:-

S.No.

% of Aadhaar Seeding

Name of the Bank

1. 85% and Above Indian Bank (88%), IOB (86%), PSB (86%), SBBJ (97%), SBT (100%), SBHYD (99%), UCO Bank (90%), Vijaya Bank (91%), Karur Vysya Bank (95%), South Indian Bank (93%)

2. Less than 50% Bhartiya Mahila Bank (41%), SBoM (0%), Axis Bank (43%), Federal Bank (21%)

Bank wise/District wise status of Aadhaar seeding is given on Annexure No. 1.3 & 1.4 (P 106-107).

Top 3 and bottom 3 banks with their performance in Aadhaar Seeding in the Accounts under PMJDY are as under:-

Sr. No.


1 Top 3 Banks State Bank of Travancore (100%), State Bank of


Hyderabad (99%) and State Bank Bikaner & Jaipur (97%)

2. Bottom 3 banks

Federal Bank (21%), Bhartiya Mahila Bank (41%) and Axis Bank (43%)


AGENDA ITEM NO. 5.6 (i)

FEASIBILITY OF CLEANSING OF DUPLICATE/MULTIPLE ACCOUNTS OPENED UNDER PMJDY

The issue of examining the feasibility of cleansing of duplicate/multiple accounts opened within same bank and interbank was discussed in the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017 in which the Associate Vice President of National Payment Corporation of India (NPCI) also participated. The house deliberated that though presently Aadhaar seeding is 77% as at 31.12.2016, however, due to opening of multiple PMJDY accounts by the depositors in different banks the further percentage in Aadhaar seeding is not increasing. In case Aadhaar seeding of depositors of multiple PMJDY in different banks is taken into account it may be more than 90%. The matter for cleansing of Duplicate/multiple accounts opened under PMJDY was also discussed in 137th Meeting of SLBC and as decided in the meeting representative of National Payment Corporation (NPCI), Sh. Sanjoy Kumar Mukherjee, AVP was requested to attend 4th meeting of Steering Committee to guide the bankers about ways to increase Aadhaar seeding and to tackle issue of seeding adhaar in multiple accounts.

Sh. Mukherjee apprised that for mapping of Aadhaar seeding with NPCI there are two steps i.e. seeding of Aadhaar number in CBS system of the bank and linking of Aadhaar seeded account with NPCI. In NPCI mapping, Aadhaar number, Name of the bank and when it was seeded at last is taken into account. In case of fresh seeding of same Aadhaar number in another bank account, it is overrides the previous Aadhaar seeded account of same depositor; however, this will not be overridden in case of PMJDY Overdraft account.


The house could not arrive to the conclusion for cleansing of Duplicate/Multiple accounts opened under PMJDY by the same depositors. It was further decided that representative of NPCI will contemplate on the issue and will submit his suggestions in the ensuing 139th SLBC Haryana for deliberation on cleansing of Duplicate/Multiple PMJDY accounts.

Representative of NPCI is requested to apprise the house further in this regard.

AGENDA ITEM NO. 5.7

MICRO ATMs

Upto 31.12.2016, banks have provided 2201 Micro ATMs to their BCAs. Convener bank has also provided 491 Micro ATMs to its BCAs. This will enable the account holders to swipe their ATM Cards at BCA locations and they will not have to go to the far flung areas for swiping the ATM cards. Besides 6278 ATMs installed by all the banks in the state of Haryana will also take care of swiping of cards.Bank wise/District wise status of providing of Micro ATMs is given on Annexure No. 2.1 & 2.2 (P 108-109).The house may review.

AGENDA ITEM NO. 5.8

DEPLOYMENT AND WORKING OF BCAs

In Haryana at all 3244 SSAs (Sub Service Area), the banking service is being provided either by the branches or by BCAs. Out of 3244 SSAs, 1258 SSAs are covered by branches and 1986 by BCAs. In the State of Haryana 2229 BCAs have been appointed against the requirement of 1986 BCAs. Indian Bank, IDBI Bank and Punjab & Sind Bank have to appoint 1 BCA each in addition to their existing BCA network. The controlling heads of concerned banks are again requested to appoint the BCA without any further delay.

Bank wise status of providing of BCAs is given on Annexure No. 7 (P-116).




ENGAGING VILLAGE LEVEL ENTREPRENEURS (VLEs) AS BUSINESS CORRESPONDENT AGENTS (BCAs)

The Government of Haryana has proposed to install wi-fi in the village of Haryana to provide the public services (for making various types of payments online, booking of Air/Railway Ticket, payment of electricity bills, telephone/mobile bills etc) to the masses through the Village Level Entrepreneurs (VLEs). The Government desires that VLEs should also be given BCA work for extending banking services for disbursement of Social Security Pensions etc. to make the services of VLEs economically viable.

During the meetings held on 05.01.17 & 06.01.17, Convener SLBC informed that the system of extending banking services through BCAs in Haryana is fully streamlined as 2229 have already been deployed by various banks against the requirement of 1986. The BCAs have earned goodwill and reliability in the last two years and have established their credibility as well. Declaring (appointing) VLEs as BCAs will result in affecting the viability of BCAs’ business which they have established after putting lots of efforts and hard work. There would be issues regarding selection, monitoring and control of VLEs too.

During the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017, Controlling Heads of banks were requested to identify inefficient and inactive BCAs so that Village Level Entrepreneurs (VLEs) are engaged in their places.


AGENDA ITEM NO. 5.9

PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY), PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY) AND ATAL PENSION YOJANA (APY)


Hon’ble Prime Minister launched 3 Social Security Schemes namely Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY) from Kolkatta on 09.05.2015 to provide insurance benefit to the families of affected persons and for old age security.5.9 (i) Pradhan Mantri Suraksha Bima Yojana (PMSBY)-The scheme is a one year cover, renewable from year to year, Accidental Insurance Scheme offering insurance on accidental death and disability cover for disability on account of an accident. The scheme is being offered/administered through Public Sector General Insurance Companies (PSGICs) and other General Insurance Companies.

All Saving bank account holders in the age group of 18-70 years can enroll themselves in participating banks on payment of an annual premium of Rs.12/- renewable on year to year basis.

Up to 31.12.2016, banks have enrolled 25,05,062 persons under the scheme and 24,48,893 (98%) records have been uploaded by banks.Persons Enrolled as on 30.09.2016 : 24, 45,872

Increase : 59,190

District wise/ Bank wise Progress is given on Annexure No. 3.1 & 4 (P 111 & 112)

5.9 (ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-The scheme is being implemented through LIC of India/other insurance companies willing to offer product on similar terms with necessary approvals and tie ups with banks for this purpose. Under the scheme all saving bank holders with the age-group of 18-50 years can enroll themselves to avail benefits of the scheme on payment of annual premium of Rs.330/-. Under the scheme Rs. 2 lacs is payable on member’s death due to any reason. Details of the scheme are available on PMJDY website and with all banks. DFS, MOF, GOI vide their letter No. F.No.H-12011/2/2015-Ins.II dated 20.05.2016 have informed amendment in rules for implementation of PMJJBY. It has been decided by the competent authority to incorporate a lien clause in the rules of PMJJBY with effect from Ist September,


2016: whereby claims for deaths which occur during the first 45 days from the date of enrollment will not be paid. The risk cover will commence only after the completion of 45 days from the date of enrollment into the scheme by the subscriber. However deaths due to accidents will be exempted from the Lien Clause. Accordingly, the revised consent cum enrolment form for PMJJBY with lien clause incorporated, effective from 01.06.2016. All banks and Insurance companies are requested to initiate necessary action in order to ensure availability of the revised form for enrolment under PMJJBY.

Up to 31.12.2016, banks have enrolled 7,95,662 persons under the scheme and 7,32,224 (92%) applications have been uploaded by banks. Persons Enrolled as on 30.09.2016 : 7, 87,256

Increase : 8,406

Bank wise/District wise Progress is given on Annexure No.3 & 3.1 (P 110-111)CLAIMS RECEIVED AND SETTLED UNDER PMSBY & PMJJBY

Parameter Unit PMSBY PMJJBY

Claims Recd. No. 638 1490Amt. (Rs. In lacs) 1269 2980

Claims Lodged No. 630 1489Amt. (Rs.In lacs) 1253 2978

Claims Settled No. 411 1253Amt. (Rs.In lacs) 820* 2506

*It includes claims for partial disability lodged by PSB & SHGB

Bank wise/District wise Progress is given on Annexure No.5.1-5.2 (P 113-114)

5.9 (iii) Atal Pension Yojana (APY) - Keeping in mind the concern about the old age income security of the working poor, to focus on


encouraging and enabling them to save for their retirement, to address the longevity risks among the workers in unorganized sector and to encourage them to voluntarily save for their retirement, the Government of India launched this pension scheme namely Atal Pension Yojana (APY). The scheme is being administered by Pension Fund Regulatory and Development Authority (PFRDA) through NPS Architecture.Under APY, there is guaranteed minimum monthly pension for the subscribers ranging between Rs.1000/-to Rs.5000/- per month. The benefit of minimum pension will be guaranteed by Govt. of India.All bank account holders which are citizen of India and in the age-group of 18-40 years can join APY and avail benefits of the scheme on payment of subscription according to their entry age and required minimum monthly pension ranging between Rs.1000/-to Rs.5000/- per month.

Complete details are available with the participating banks and on the website of PFRDA and PMJDY as well.Up to 31.12.2016, banks have enrolled 86,302 persons under the scheme and 84988 (98%) records have been uploaded by banks. Persons Enrolled as on 30.09.2016 : 76,675

Increase : 9,627

Bank wise/District wise Progress is given on Annexure No. 3.1 & 6 (P 111 & 115)

To maximize the enrollment under the above 3 newly launched social security schemes, 116 town hall meetings at district, tehsil headquarters and bigger towns were organized by Lead District Managers in association with LIC of India during the months of July-August, 2015 in which banks also participated.The detail of Town Hall Meetings held at District/Tehsil Head Quarter and various towns in Haryana is given on Annexure-11 (P-123).


AGENDA ITEM NO. 5.10

PRADHAN MANTRI MUDRA YOJANA (PMMY)

Micro Units & Development Agency Ltd. (MUDRA) was launched by the Hon’ble Prime Minister of India on 8th April, 2015 as a new financial entity for developing and refinancing last mile financial intermediaries like banks, NBFCs and MFIs etc. who are in the business of lending to smaller of the micro enterprises in manufacturing, trading and service sector. On the same day Pradhan Mantri Mudra Yojana was launched to “fund the unfunded” by bringing such enterprises to the formal financial system and extending affordable credit to them.It is felt that there is a need to give a special boost to bank finance to this segment on a mission mode, considering enormous task in reaching to the large number of such units, currently excluded from the formal credit.This segment mainly consists of non-farm enterprises in manufacturing, trading and services whose credit needs are below Rs.10.00 lakh. The MUDRA loans have been classified as under:-

1. Shishu (Loans upto Rs.50000/-)

2. Kishore (Loans from Rs.50001-Rs.5.00 lacs)

3. Tarun (Loans above Rs.5.00 lac and upto Rs.10.00 lac)


Institution wise progress under PMMY from 01.04.2016 to 31.12.2016 is as under:-

Amt. Rs. In lacs

Scheme Public Sector Banks

Private Sector Banks

RRBs Total

SHISHUAch.- No. of A/cs 19884 41324 7104 68312

Amt. 6600 10277 1027 17904

KISHORE

Ach.- No. of A/cs 14803 6055 1478 22336

Amt. 28125 15208 1750 45083

TARUN

Ach.- No. of A/cs 4056 2608 93 6757

Amt. 31534 17715 590 49839

TOTAL

Target (Amt.) 220367 76631 4600 301598

Ach.- No. of A/cs 38743 49987 8675 97405

Amt. 66258 43200 3366 112824

% age Ach. (Amt.) 30.07% 56.37% 73.17% 37.41%

Out of total disbursement in 97,405 accounts under PMMY 44,108 women have been provided loans amounting to Rs.193.06 crore under the said scheme i.e. 45% of the total loans sanctioned under the scheme. (Bank wise/District wise details is as per Annexure No. 8.1-8.2 (P 117-118)The house may discuss.



PROGRESS UNDER STAND-UP INDIA SCHEME UPTO THE PERIOD ENDED DEC.,2016

Stand-Up India Scheme has been launched by the Hon’ble Prime Minister on 5th April, 2016. The objective of the scheme is to facilitate bank loans between Rs.10 lakh and Rs. 100 lakh to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one women borrower per bank branch of all scheduled commercial banks for setting up a green field enterprise. This enterprise may be in manufacturing, service or trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Women Entrepreneur.An interactive portal (www.standupmitra.in) has also been launched by the Hon’ble Prime Minister which hosts information about various entities providing handholding support to the borrower. It has been advised to route the loan applications through the portal.Being one of the flagship programmes of the Government of India, theprogress of implementation of Stand-Up India scheme is being closelymonitored by a National Level Steering Committee for Stand-Up India Schemeunder the Chairmanship of Hon’ble Minister of Finance and 5 Ministers fromUnion Cabinet, 3 Members of Parliament, besides, CMDs of NABARD, SIDBI andChairman, DICCI as members of the Committee.

NABARD and SIDBI have been nominated as Nodal Agencies for implementing the Stand-Up India Scheme. NABARD has organized a one day seminar for sensitizing their DDMs as well as NABARD about the scheme for smooth implementation at the ground level.Since the launch of Stand-Up India Scheme (on 5th April 2016) upto Dec., 16, 761 Beneficiaries have been sanctioned loans amounting to Rs. 149.20 Crore and disbursement amounting to Rs.125.73 crore has


http://www.standupmitra.in/

been made in 711 cases. Out of which 174 cases amounting to Rs. 31.43 Crore sanctioned and 164 cases amounting to Rs. 25.80 Crores disbursed to SC/ST and 587 cases amounting to Rs.117.77 Crore sanctioned and 547 cases amounting to Rs.99.93 Crores disbursed to Women Beneficiaries in Haryana State.District wise detail is given in Annexure No.10.1 & 10.2 (P 121-122).

SIDBI, Regional Office, Chandigarh while responding to the Action Points of 138th meeting of SLBC Haryana held on 15.11.2016 have submitted as under:-

To make the mission of Stand Up India successful, all stakeholders should take initiatives to create awareness among SC/ST/Women; in order to boost the demand side. On the supply side SIDBI would urge all the LDMs to highlight the problems phased by them in taking Standup India initiative forward. A one day program for LDMs could also be organized at SIDBI so that all the doubts and queries of LDMs could be clarified. The SUI core team from, SIDBI HO Mumbai will also join on video conferencing (VC).

SIDBI is requested to organize districtwise awareness programmes for sensitization of LDMs and field functionaries of banks so that the performance under the scheme could be improved significantly. Dates fixed for the sensitization programmes may please be conveyed to SLBC Haryana Secretariat for onward communication to the Controlling Heads of banks and LDMs accordingly.Controlling heads of banks are requested to speed up their efforts to improve their performance under the scheme so that the target allocated to their bank and State of Haryana are not only achieved but surpassed with a considerable margin.



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


Pradhan Mantri Awas Yojana-Housing for all (Urban) Mission of the Ministry of Housing and Urban Poverty Alleviation was launched on 25th

June, 2015. The Mission will be implemented through four verticals inter alia includes affordable Housing through Credit Linked Subsidy Scheme (CLSS). CLSS is an important component of the Scheme.

HUDCO alone with National Housing Bank (NHB) has been identified as Central Nodal Agency (CNA) to channelize this subsidy to Primary Lending Institutions (PLIs) for effective monitoring of the scheme.

The progress report received from banks under the scheme upto the period ended Dec., 2016 (2016-17) reveals as under:-

- Only 32 cases amounting to Rs.153.64 lakh have been sanctioned upto the period ended Dec., 2016, out of which 28 cases amounting to Rs.126.20 lakh have been disbursed.

- Out of these 16 cases amounting to Rs.86.91 lakh have been sanctioned to SC/ST beneficiaries and disbursement has been made in 16 cases amounting to Rs.80.41 lacs.

- 15 cases amounting to Rs.72.75 lakh have been sanctioned and disbursement amounting to Rs.67.61 lakh has been made to 12 women beneficiaries under the scheme.

Bankwise Progress is given on Annexure No.12. (P-124)

It has been observed that the progress under the scheme is not picking up.

On reviewing the implementation status of PMAY-CLSS of Public Sector Banks by DFS, it has been observed that banks need to upscale their efforts to ensure higher performance in CLSS. The progress of implementation of PMAY-CLSS is not picking up in the State.Controlling heads of banks are requested to upscale their efforts to improve the progress under the scheme in respect of their bank and the State of Haryana as well.The house may discuss.

AGENDA ITEM NO. 6

IMPLEMENTATION OF DBT IN KEROSENE


Ministry of Petroleum & Natural Gas, has already decided to implement DBT in Kerosene in 33 districts in 9 States w.e.f. 1st April, 2016. 2 Districts namely Panchkula and Panipat have been identified for implementation of the DBT in Kerosene in the State of Haryana.

Convener Bank has already advised the Lead District Managers of these districts to assist the State Government and District Administration for seeding the bank accounts in the database of kerosene beneficiaries for smooth implementation of DBT scheme.

During the 4th meeting of Steering Committee to SLBC Haryana SLBC Member banks were requested to instruct their branches in these 2 districts to seed the bank accounts of kerosene beneficiaries for smooth implementation of DBT scheme in these districts.

Controlling heads of banks are once again requested to advise their field functionaries of District Panchkula and Panipat to seed the bank accounts of kerosene beneficiaries for smooth implementation of DBT scheme in these districts.

AGENDA ITEM 7.1

OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL

To carry on the Financial Literacy Mission ahead it was decided to open Financial Literacy Centres in the 125 blocks of Haryana. As on 31.12.2016, 125 FLCs are operative in 114 Blocks of the state and Financial Literacy Centres in the remaining 11 blocks were yet to be opened by the following banks:-

1. Corporation Bank – 12. OBC – 43. State Bank of India – 54. Syndicate Bank – 1

Total 11The issue was discussed in the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017.During the deliberations on the issue of opening of FLCs in the remaining allocated blocks the following action on part of the banks emerged:-

S. Name of the FLCs yet to be Latest Status & Action


No.

bank opened in blocks emerged

1. Corporation Bank

1-Sohna (Gurgaon) Syndicate banks agreed to open FLC at Sohna Block by swapping their allocated block of Nissisng (Karnal) with Corporation Bank.

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

2. Oriental Bank of Commerce

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

Shri Rajiv Sardana, CM confirmed that FLCs of Jakhal & Narwana block will be opened by next week and other two FLC before the end of March, 2017 positively.

3. State Bank of India

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

Sh. SL Malhotra, CM informed that Interview for FLC counselor completed and FLCs will be opened by next week.

4. Syndicate Bank

1- Nissing (Karnal) Syndicate banks agreed to open FLC at Sohna Block by swapping their allocated block of Nissisng (Karnal) with Corporation Bank immediately.

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

Total 11

Representatives of the above banks are requested to update the house with regard to the latest status of FLCs to be opened in the allocated blocks.


Further, Controlling heads of Central Bank of India, State Bank of Patiala and Punjab & Sind Bank are also requested to ensure that independent FLC counselors are appointed and proper infrastructure i.e. space, computer, printer, Financial Literacy Material etc is provided to them for smooth functioning of the FLCs.


AGENDA ITEM 7.2

PROVIDING SPACE/PREMISES FOR ESTABLISHING FLCs AT BLOCK LEVEL

During the deliberations of 138th meeting of SLBC Haryana held on 15.11.2016, Financial Advisor, IF&CC, Haryana informed the house that instructions have been issued to all the Deputy Commissioners in the State of Haryana vide letter No. IF&CC/RO/2016/675-95 dated 11.11.2016 for providing one room in DC Office, Tehsil Office or BDO offices for FLC Counselors of the area for extending Financial Literacy to the Common masses. All LDMs were advised to follow up with District Administration for providing space/room for establishing FLCs at Block level.As informed by the representative of HSRLM in 137th meeting of SLBC Haryana held on 12.08.2016 that being closely associated with FLCs, HSRLM would provide space/premises for functioning of FLCs opened/to be opened by banks at Block level where its offices (in 43 blocks) have been set up. List of 43 locations from where HSRLM activities are being implemented provided by HSRLM has been forwarded to the Lead District Managers.LDMs are advised to explore the possibilities of resolving the issue of space/premises of the FLCs, which are being operated from the bank branch premises in their district so that smooth functioning of the FLCs could be ensured.


Controlling heads of banks are also requested to advise their Financial Literacy Counselors to get their issues with regard to space for FLC issued in coordination with Lead District Manager of their respective district.


AGENDA ITEM 8.1

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

From the progress report of FLCs during the quarter ended December, 2016, it has been observed that:-

1536 Special Camps were organized by 125 FLCs (Including Cooperative Banks) during the quarter ended December, 16.

1835 Targets Specific camps were organized by the 125 FLCs in the State of Haryana during the quarter ended December, 16.

Controlling Heads are requested to provide the required infrastructure to their FLCs and advise them to organize financial literacy camps as per the revised operational guidelines issued by RBI on 14.01.2016.

The house may review.

AGENDA ITEM 8.2

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

Progress made by rural branches of banks in organizing Financial Literacy Camps during the quarter ended December, 16 is as under:-

2551 Special Camps were organized by 2127 rural branches of banks during the quarter ended December, 16.

4877 Targets Specific camps were organized by 2127 rural branches of banks in the State of Haryana during the quarter ended December, 16.

Sr. Citizens, landless labourers, students, farmers, MSME prospective borrowers, minority community groups, catchment area customers,


SC/ST, APY account holders have been covered in the camps organized for targets groups.The controlling heads of banks are requested to advise their rural branches to organize more and more financial literacy camps for different target groups with the assistance of Financial Literacy Counselor of their bank/area to ensure that information about latest banking schemes/Govt. of India schemes is disseminated amongst the masses so that the rural masses could avail the benefits of these schemes. Bankwise/Districtwise Progress is given on Annexure No.13.1 & 13.2 (P 125-126). The house may discuss.

AGENDA ITEM NO. 9.1

IMPLEMENTATION OF PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

Pradhan Mantri Fasal Bima Yojana was notified by Government of Haryana vide their notification no 3009/Agri.II (1)-2016/10854 dated 17.06.16 for the notified areas, crops, Indemnity level, sum insured, premium rates and seasonality discipline etc for implementation in the State of Haryana during Kharif 2016 & Rabi 2016-17 seasons.As per the above notification, the cut-off date for deduction of premium for Rabi crops (2016-17) was 31.12.2016 which was extended upto 10.01.2017 by Deptt. Of Agriculture, Cooperation & Farmers Welfare, Ministry of Agriculture & Farmers Welfare vide their notification dated 30.12.2016. Similarly, the cut-off date for submission of consolidated proposals/premium by the bank branches to the concerned insurance companies was also extended accordingly from 07.01.2017 for non-loanee farmers and 15.01.2017 for loanee farmers to 17.01.2017 for non-loanee farmers and 25.01.2017 for loanee farmers. The same was conveyed to all SLBC member banks by SLBC Secretariat on 31.12.2016.Controlling heads of banks were requested to advise their branches to cover the loanee and non-loanee farmers under the scheme and ensure submission of the premium alongwith the required details of


the farmers to the respective Insurance Companies by within the stipulated period. SLBC Secretariat vide its communications dated 11.01.2017 and 21.01.2017 has requested all SLBC member banks to:--Submit progress report of PMFBY premium deducted and submitted to the concerned Insurance Companies to SLBC Haryana Secretariat.-Upload the data relating to PMFBY on the PMFBY e-portal giving details of each loanee and non-loanee farmer covered by the bank branch.It is informed that only the following banks have submitted the report on of PMFBY premium deducted and submitted to the concerned Insurance Companies:-1.Axis Bank 2. Bank of Baroda 3. Canara Bank 4. Central Bank of India 5. Dena Bank 6. Harco Bank 7. HDFC Bank 8. ICICI Bank 9. J&K Bank 10. Sarva Haryana Gramin Bank 11.Kotak Mahindra Bank 12.Oriental Bank of Commerce 13.Punjab & Sind Bank 14. Punjab National Bank 15.State Bank of Travancore 16 Sarva Haryana Gramin Bank 17. UCO Bank 18.United Bank of India 19.Vijaya Bank 20.Bank of Maharashtra and 21. Indian BankDuring the deliberations of 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017, representatives of the banks present in the meeting were requested to ensure submission of the data in respect of their bank to SLBC Secretariat for placing the same in the agenda papers of forthcoming 139th meeting of SLBC Haryana scheduled for 15.02.2017.

Controlling heads of banks/representatives of the remaining banks are requested to update the status of their bank to the house.

The representative of Agriculture & Farmers Welfare, Govt. of Haryana is also requested to apprise the house in this regard.The house may discuss.

AGENDA ITEM NO. 9.2

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


RECEIPT/POLICY PAPERMinistry of Agriculture & Farmers’ Welfare, Department of Agriculture, Cooperation & Farmers’ Welfare vide letter dated 16th Dec., 2016 addressed to Convener, State Level Bankers’ Committee of all States/UTs informed that it has been decided by the Ministry to provide a folio to farmers containing information on Pradhan Mantri Fasal Bima Yojana (PMFBY) alongwith logo and tagline of the scheme and acknowledgement receipt/policy document after receiving from the respective insurance company. As advised by the Jt. Secretary to Govt. of India, Ministry of Agriculture & Farmers’ Welfare, Department of Agriculture, Cooperation & Farmers’ Welfare, GOI, New Delhi, a meeting to discuss the modalities to be followed for printing of the folio containing information to farmer about the scheme alongwith logo and tagline of the scheme alongwith acknowledgement receipt/policy paper was convened by SLBC Secretariat on 04.01.2017.

During the meeting it was decided that five major banks (Punjab National Bank, Syndicate Bank, Oriental Bank of Commerce, State Bank of India and State Bank of Patiala will obtain quotation from their approved printers according to the format given by Ministry of Agriculture & Farmers’ Welfare, GOI, New Delhi, the rates so obtained from these banks will be sent to all member banks for guidance and to further negotiate from other printers to workout competitive rates.

Keeping in view the urgency of work, Convener SLBC vide its letter dated 16th Jan., 2017 (conveying the quotations/rates received from the banks for printing of folio) has requested the SLBC member banks to get the folios printed by 25th January, 2017 as per the specification provided by the Ministry of Agriculture & Farmers’ Welfare, Govt. of India, New Delhi on competitive rates as per the guidelines of their bank and also to ensure that the folios in sufficient number are made available in each branch of the bank for providing the same to the farmers covered under Pradhan Mantri Fasal Bima Yojana-Rabi 2016-17 alongwith acknowledgement receipt/policy document, kept inside the folio.


During the deliberations of 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017, representatives of the banks present in the meeting were requested to confirm that the folios have been got printed and supplied to their branches for delivering the same to the farmers covered PMFBY Rabi 2017 by the branches of their bank.

Controlling heads of the banks are requested to apprise the status of their bank to the house.

The House may discuss.

AGENDA ITEM NO. 10

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

As advised by Reserve Bank of India Central Office Mumbai vide their letter no.FIDD.CO.LBS.BC.NO.82/02.01.001/2015-16 dated 30.12.2015 received through RBI Chandigarh letter dated 21.01.2016 roadmap for opening of brick and mortar branches in 194 such identified villages (without having a bank branch of a scheduled commercial bank) with population above 5000 was prepared by SLBC.

SLBC has been regularly following up with the concerned banks to open brick and mortar branches in the allocated villages before March, 2017. A meeting to discuss the issue coming in the way of opening of brick and mortar branches was also convened by SLBC Secretariat. Minutes of the meeting were sent to the concerned banks for initiating immediate action to open the branches in the allocated villages by March, 2017 positively.

The progress was reviewed in the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017. During the review, the concerned banks were again requested to submit specific reply against each allocated village for placing the same before the Hon’ble Finance Minister, Haryana accordingly. The status apprised by the concerned banks in the above meeting is as under:-

S.No

Name of the Bank

No. of Villages

Branches

Branches to be

Non-Viabl

Under Proces

Remarks/Status given by


. allocated

Opened till date

Opened by March, 17

e s/consideration

concerned bank/commitment made/Advised by house

1. Allahabad Bank

1 - Allahabad Bank informed that one bank branch is approx 800 mts away from proposed village. They were advised to give specific reply and reasons by 06.02.17 alongwith the date for opening of branch before March, 2017 duly signed by Controlling Head.

2. Andhra Bank

1 By First Week of March,1

7

Premises finalized branch will be opened by month end.

3. Bank of Baroda

5 1 branch by month end. 4 Ultra Small Branches will be opened before March, 2017.

S.No.

Name of the Bank

No. of Villages allocated

Branches Opened till date

Branches to be Opened by March,17

Non-Viable

Under Process/consideration

Remarks/Status given by concerned bank/commitment made/Advised by house

4. Canara Bank

2 1 1 branch already opened. For remaining branches bank was advised to give specific reply and reasons by


06.02.17 alongwith the date for opening of branch before March, 2017.

5. Central Bank of India

9 9 Bank was advised to give specific reply and reasons by 06.02.17 for each village alongwith the date for opening of branch before March, 2017 duly signed by Controlling Head.

6. Corporation Bank

1 Bank was advised to give specific reply and reasons by 06.02.17 alongwith the date for opening of branch before March, 2017 duly signed by Controlling Head.

7. IDBI Bank 1 Bank was advised to give specific reply and reasons by 06.02.17 alongwith the date for opening of branch before March, 2017

S.No.

Name of the Bank



Branches to be Opened by March, 17

Non-Viable

Under Process/consideration

Remarks/Status given by concerned bank/commitment made/Advised by house

8. OBC 18 4 (1-PNB

2-Yes

Bank was advised to give specific reply and reasons


Bank1-OBC

by 06.02.17 for each village alongwith the date for opening of branch before March, 2017 duly signed by Controlling Head.

9. Punjab National Bank

47 1 (Ugalan

by SHGB)1 Yes Bank

(Bhaini Chander

pal)

16 12 17 (Under consideration (11), searching for premises (1) and waiting for survey report (2), Proposal sent to HO for applying for license (3). Circle Heads have been advised to open the branches in the allocated village before March, 2017.

10.

Punjab & Sind Bank

2 2(By

31.03.17)

Bank assured to open the branches before March, 2017.

11.

State Bank of India

21 1 (Village Rohera by SHGB)

Bank was advised to give specific reply and reasons by 06.02.17 for each village alongwith the date for opening of branch before March, 2017 duly signed by Controlling Head.

S.No.

Name of the Bank



Branches to be Opened by March,

Non-Viable

Under Process/consideratio

Remarks/Status given by concerned bank/commitment made/Advised


17 n by house12.

State Bank of Patiala

17 1 Bank was advised to give specific reply and reasons for each village duly signed by the Controlling Head of the bank of Haryana State by 06.02.17.

13.

Syndicate Bank

7 2-28.2.17

1-31.3.17

3-Non Viable1-Comes under MC Area

Bank assured to open 2 branches by end of February, 2017 and 5 other Ultra Small Branches before the end of March, 2017.

14.

Union Bank of India

4 4-Mid of March,1

7

Bank assured to open all branches by Mid of March, 2017

15.

UCO Bank 1 Bank was advised to give specific reply and reasons duly signed by the Controlling Head of the bank before 06.02.17 alongwith the date of opening of branch before March, 2017.

16.

HDFC Bank

3 Bank representative assured to open branches in all allocated villages before March, 2017.

S. Name of No. of Branche Branche Non- Under Remarks/Status


No.

the Bank Villages allocated

s Opened till date

s to be Opened by March, 17

Viable

Process/consideration

given by concerned bank/commitment made/Advised by house

17.

ICICI Bank 1 1-26.02.1

7

Bank assured to open l branch by end of February, 2017

18.

SHGB 53 4 (SHGB)1-IDBI Bank

1-March,

17

47 Non-viable

Bank was advised to give specific reply and reasons for each village alongwith the date of opening of branch before March, 2017 duly signed by the Chairman of the bank before 06.02.17.

Total 194 14 28

Since the allocated villages are to be covered by March, 2017 and only 1 and a half months are left for the close of the financial year 2016-17, Controlling heads of the concerned banks are requested to ensure that necessary steps are initiated for opening of brick and mortar branches in the villages allocated to their respective banks by March, 2017 positively.

Bankwise/Districtwise progress is given on Annexure No14.1-14.2 (P 127-128).The House may discuss.

AGENDA ITEM NO.11

ISSUES OF UNIQUE IDENTIFICATION AUTHORITY OF INDIA (UIDAI)

Aadhaar Act

Aadhaar (targeted delivery of financial and other subsidies, Benefits and Services) Act, 2016 has been passed by the Parliament &


notified in the Gazette of India vide notification dated 26th March, 2016 & Aadhaar (Enrolment and update) Regulation, 2016 has been notified vide notification dated 12th Sept., 2016.

As per section 7 of the Act, the Central Government or as the case may be, the State Govt. may for the purpose of establishing identity of an individual as a condition for receipt of a subsidy, benefit or service for which the expenditure is incurred from or the receipt there from forms part of, the Consolidate Fund of India, require that such individual undergo authentication, or furnish proof of possession of Aadhaar number or in the case of an individual to whom no Aadhaar number has been assigned, such individual makes an application for enrolment.

As per section 57 of the Act, nothing contained in this Act shall prevent the use of Aadhaar number for establishing the identity of an individual for any purpose, whether by the State or anybody corporate or person, pursuant to any law, for the time being in force, or any contract to this effect.

Aadhaar Saturation:

Overall Aadhaar saturation in the State is already 100% as per estimated population of 2015:

Total Estimated Population: 26816977 Aadhaar Generated: 27457199 % Aadhaar Saturation: 100%

However on age wise analysis, nearly 6 lakh children in 0-5 age group and nearly 6.3 lakhs in 5-18 age groupsare still left for Aadhaar enrollment. E&IT, Health, School Education and WCD Departments have become Registrar/EA with UIDAI. E&IT, Health departments have already deployed 400 Aadhaar kits and 540 Tablets respectively. School Education with 500 Aadhaar kits and WCD departments with 400 Tablets are in process for starting Aadhaar enrollments through their own staff and infrastructure.

Aadhaar based Digital/Cashless Transactions:


Ministry of Electronics & Information Technology, Govt. of India has launched several programmes to mobilize and enable digital payment/ cashless transaction options. There is an urgent need to provide an impetus to Aadhaar based cashless transactions. For all Aadhaar based cashless transactions, linkage of Aadhaar with the Aadhaar holder bank accounts is a prerequisite. Hence all the Banks are requested to start campaign in a targeted manner for linkage of the Aadhaar with the beneficiary bank accounts following the guidelines prescribed in Aadhaar Act, 2016.

DBT Schemes:

Disbursement of benefits in centrally sponsored six schemes (MGNREGA, PDS, EPFO, DBTL and National Social Assistance Programme-NSAP & PMJDY) has already been started by State. It is further anticipated that from next financial year most of the centrally sponsored programme will be linked with the Aadhaar. Moreover State has already decided to cover several State Schemes under DBT. In order to transfer the benefits using the Aadhaar Payment Bridge (APB) the accounts of the beneficiaries must be linked with her/his bank account.

Sensitization of bank field staff on Aadhaar Bank Seeding and e-KYC:

Following major issues have been reported from field:

Several cases have been received from field in which Aadhaar seeded bank accounts were not updated at NPCI even after seeding it in beneficiary account.

In case of multiple bank accounts of a beneficiary, Aadhaar mapping at NPCI is shown against latest seeded bank account. If beneficiary wants to get her/his Aadhaar active with preceding bank account, it is not happening mostly due to lack of sensitization amongst field staff in banks.

E-KYC and e-Aadhaar concept and its acceptance not clear to field staff.


NPCI has reported after analysis that some banks have entered the Aadhaar number in another field in CBS (not meant for Aadhaar) resulting that it could not be mapped at NPCI. In some banks, there are two fields in CBS where Aadhaar has to be entered. It is suggested that sensitization programs may be held in coordination with UIDAI, NPCI, SLBC Secretariat for all bankers at State level. Target participants can be Zonal and Circle level officers (including Master Trainers, Technical Person from banks) looking after the Aadhaar related activities. Subsequently respective banks should organize similar program at district level.

Cleansing of Duplicate/Multiple Accounts Opened Under PMJDY:

This issue was discussed in the 4th meeting of Steering Committee to Haryana held on 03.02.2017. The house could not arrive on the conclusion for cleansing of Duplicate/Multiple accounts opened under PMJDY by the same depositors. It was further decided that representative of NPCI will contemplate on the issue and will submit his suggestions in the ensuing 139th SLBC Haryana Meeting to be held on 15.02.2017 at Hotel Mountview, Sector 10, Chandigarh for deliberation on cleansing of Duplicate/Multiple PMJDY accounts. Aadhaar Seeding in Central Sponsored DBT Schemes:

Scheme Name

Total Beneficiaries

Aadhaar Seeding

Aadhaar Verified

APB Ready

Total Aadhaar Seeding %

Aadhaar Verified Seeding %

APB Ready %

All India Ranking in APB Ready (States)

MGNREGA (Active)

692540 690794 670032 484778

99.7% 96% 70% 5th

NSAP 309613 267514 88033 71101 86% 28% 23% NA*DBTL 5168978 460039

04600390

404214

89% 78% 9th

PMJDY 5552080 4182374

NA NA 75% NA NA 6th

EPFO 6454642 980863 NA NA 15% NA NA 17th PDS (Ration Cards)

2929616 2673646

NA NA 91% NA NA NA*


State Wise Aadhaar seeding in these schemes is attached as annexure “A” to “D”

*All India ranking in NSAP and PDS cannot be ascertained as the verification of Aadhaar seeded data of these schemes is yet to be completed.

Direct Benefit Transfer (DBT) in Scholarship SchemesAs per directions received from MoHRD, GoI, Aadhaar seeding exercise for all scholarship beneficiaries to be completed in a time bound manner.100% Aadhaar seeding in bank accounts to be achieved for smooth disbursal of Scholarships.

State of Haryana has decided that the payments for all kinds of state/central scholarships shall also be made through Aadhaar payment bridge (APB). The different central scholarships schemes applicable in Haryana are as under:

Scholarships Schemes:

Post Matric Scholarships to SC Students Post Matric Scholarships to OBC Students National Means-cum-Merit Scholarships National Scheme of Incentive to SC Girls of 9th Class for

Secondary Education Merit-cum-Means for Minority Students Post Matric Scholarships to Minority Students Pre Matric Scholarships to Minority Students

Departments in co-ordination with LDMs/Banks are already in the process of getting these beneficiaries Aadhaar number seeded into their bank accounts. The LDMs/Banks must ensure to get the consent form filled and linkage of bank accounts with beneficiary’s Aadhaar number at the earliest. The LDMs/Banks should also ensure that these cases further mapped on NPCI for scholarship disbursal.


Annexure “A”

DBTL: State Wise Aadhaar Seeding StatusState Total

Beneficiaries

Aadhaar Seeded & Verified

APB Ready Total Aadhaar

Seeding %

APB Ready %

ANDHRA PRADESH 11,446,272 10,986,006 10,221,066 96.0% 89.3%KERALA 7,951,459 7,311,864 6,946,868 92.0% 87.4%HIMACHAL PRADESH 1,391,105 1,281,386 1,211,119 92.1% 87.1%TRIPURA 433,948 404,210 374,838 93.1% 86.4%TELANGANA 8,884,360 8,264,501 7,603,664 93.0% 85.6%SIKKIM 114,976 105,683 96,629 91.9% 84.0%PUNJAB 6,624,864 5,974,843 5,480,402 90.2% 82.7%GOA 451,285 390,417 371,696 86.5% 82.4%

HARYANA 5,168,978 4,600,390 404,214 88.6%78.2

%KARNATAKA 11,243,324 9,571,176 7,952,683 85.1% 70.7%CHHATTISGARH 2,482,002 2,191,099 1,724,409 88.3% 69.5%TAMIL NADU 16,949,334 14,086,097 11,738,738 83.1% 69.3%JHARKHAND 2,138,044 1,794,100 1,467,152 83.9% 68.6%MAHARASHTRA 21,438,681 18,102,425 14,520,041 84.4% 67.7%MADHYA PRADESH 8,776,961 7,644,966 5,715,184 87.1% 65.1%RAJASTHAN 10,636,076 8,819,877 6,802,690 82.9% 64.0%GUJARAT 7,455,088 5,889,108 4,610,665 79.0% 61.8%


WEST BENGAL 13,038,881 10,487,052 8,012,738 80.4% 61.5%MANIPUR 335,025 265,267 197,187 79.2% 58.9%ODISHA 4,077,261 3,221,107 2,312,503 79.0% 56.7%UTTARAKHAND 2,053,820 1,533,456 1,107,353 74.7% 53.9%UTTAR PRADESH 25,566,624 20,075,096 12,729,753 78.5% 49.8%BIHAR 8,939,272 7,120,447 3,867,646 79.7% 43.3%MIZORAM 241,676 123,163 69,496 51.0% 28.8%NAGALAND 179,288 80,875 44,562 45.1% 24.9%JAMMU & KASHMIR 1,782,306 924,475 280,404 51.9% 15.7%ARUNACHAL PRADESH 189,649 92,396 25,418 48.7% 13.4%MEGHALAYA 141,838 4,916 2,304 3.5% 1.6%ASSAM 3,066,859 52,053 21,473 1.7% 0.7%

State Total183,199,25

6151,380,14

2119,519,17

7 82.6%65.2

%

Annexure “B”

MGNREGA: State Wise Aadhaar Seeding Status as on 15-12-2016

State Total Beneficiar

ies

Aadhaar Seeding

Aadhaar Verified

APB Ready

Total Aadhaar

Seeding %

Aadhaar

Verified

Seeding %

APB Ready

%

TELANGANA 5,590,548 5,339,757 5,223,530 5,032,792 95.5% 93.4% 90.0%AP 8,018,970 7,792,073 6,897,753 6,798,487 97.2% 86.0% 84.8%KERALA 2,260,083 2,223,966 2,125,568 1,662,060 98.4% 94.0% 73.5%PUNJAB 937,522 906,221 826,308 660,539 96.7% 88.1% 70.5%HARYANA 692,540 690,794 670,032 484,778 99.7% 96% 70%HIMACHAL 973,266 948,537 899,782 677,261 97.5% 92.4% 69.6%SIKKIM 91,999 91,856 86,927 57,412 99.8% 94.5% 62.4%JHARKHAND 2,648,174 2,591,748 2,506,959 1,646,452 97.9% 94.7% 62.2%TRIPURA 1,070,273 1,056,621 957,197 652,394 98.7% 89.4% 61.0%TAMIL NADU 8,946,567 8,327,509 7,432,067 4,991,455 93.1% 83.1% 55.8%KARNATAKA 6,240,062 5,466,030 4,796,815 2,153,223 87.6% 76.9% 34.5%UTTARAKHAND 917,763 869,002 813,474 298,985 94.7% 88.6% 32.6%RAJASTHAN 9,038,153 7,347,137 6,382,357 2,684,361 81.3% 70.6% 29.7%MAHARASHTRA 4,318,011 4,100,380 3,642,813 1,118,071 95.0% 84.4% 25.9%GOA 11,333 10,005 5,970 2,719 88.3% 52.7% 24.0%WEST BENGAL 14,343,421 9,664,430 8,914,655 3,322,430 67.4% 62.2% 23.2%


MP 7,665,943 6,945,543 6,046,179 1,652,952 90.6% 78.9% 21.6%CHHATTISGARH 5,591,289 5,125,995 4,867,384 1,121,053 91.7% 87.1% 20.0%GUJARAT 1,816,964 1,679,641 1,533,397 317,817 92.4% 84.4% 17.5%ODISHA 4,956,252 3,213,645 2,721,323 677,729 64.8% 54.9% 13.7%U.P. 10,455,123 8,495,847 7,691,098 938,945 81.3% 73.6% 9.0%MIZORAM 252,193 54,196 49,708 14,272 21.5% 19.7% 5.7%BIHAR 4,662,346 1,556,844 1,287,556 179,559 33.4% 27.6% 3.9%MANIPUR 583,802 226,761 80,264 4,334 38.8% 13.7% 0.7%JAMMU & KASHMIR

1,410,339 280,212 98,545 1,414 19.9% 7.0% 0.1%

NAGALAND 568,703 130,071 48,373 542 22.9% 8.5% 0.1%ARUNACHAL PRADESH

223,449 79,112 36,613 5 35.4% 16.4% 0.0%

MEGHALAYA 681,199 376 94 5 0.1% 0.0% 0.0%ASSAM 3,367,027 2 2 - 0.0% 0.0% 0.0%State Total 108,337,47

185,218,18

176,642,74

337,132,82

878.7% 70.7% 34.3%


Annexure “C”

PMJDY: State Wise Aadhaar Seeding StatusSr No

State Total Beneficiaries

Aadhaar Seeding

Seeding %

1 PUNJAB 5,193,964 4,176,099 80.40%2 HIMACHAL

PRADESH 973,017 767,491 78.88%3 JHARKHAND 9,040,713 7,029,169 77.75%4 ANDHRA PRADESH 8,182,126 6,284,781 76.81%5 SIKKIM 84,158 63,535 75.49%6 HARYANA 5,552,080 4,182,374 75.33%7 TELANGANA 8,378,075 6,261,177 74.73%8 MAHARASHTRA 16,296,151 12,096,322 74.23%9 KERALA 3,200,712 2,346,639 73.32%10 KARNATAKA 9,757,193 6,704,422 68.71%11 RAJASTHAN 19,162,235 12,991,935 67.80%12 GOA 137,917 87,368 63.35%13 TRIPURA 827,037 516,648 62.47%14 CHHATTISGARH 11,146,986 6,824,406 61.22%15 MADHYA PRADESH 22,927,284 13,353,927 58.24%16 GUJARAT 9,288,039 4,780,979 51.47%17 TAMIL NADU 8,476,942 4,040,976 47.67%18 WEST BENGAL 24,951,668 11,787,811 47.24%19 ODISHA 10,847,248 4,909,140 45.26%20 UTTAR PRADESH 38,891,749 17,399,491 44.74%21 BIHAR 26,558,835 11,785,726 44.38%22 UTTARAKHAND 2,048,907 888,063 43.34%23 NAGALAND 195,602 66,911 34.21%24 MANIPUR 711,593 232,933 32.73%25 ARUNACHAL

PRADESH 186,943 48,929 26.17%26 JAMMU & KASHMIR 1,900,938 326,533 17.18%27 MIZORAM 383,764 39,805 10.37%28 ASSAM 10,181,427 224,928 2.21%29 MEGHALAYA 378,784 6,756 1.78%

State Total 255,862,087 140,225,274 54.81%


Annexure “D”

EPFO: State Wise Aadhaar Seeding StatusSr No.

State Total Beneficiaries Aadhaar Seeding

Seeding %

1 KERALA 1,598,731 692,612 43.32%2 HIMACHAL PRADESH 703,982 220,608 31.34%3 PUNJAB 2,547,505 781,288 30.67%4 TRIPURA 54,809 16,755 30.57%5 ANDHRA PRADESH 7,778,072 2,238,297 28.78%6 MADHYA PRADESH 2,322,421 612,317 26.37%7 JHARKHAND 978,001 248,005 25.36%8 UTTAR PRADESH 4,167,185 961,349 23.07%9 KARNATAKA 11,778,343 2,317,187 19.67%10 ODISHA 1,397,798 254,754 18.23%11 MAHARASHTRA 19,401,267 3,532,852 18.21%12 GOA 516,977 92,385 17.87%13 CHHATTISGARH 915,543 163,363 17.84%14 GUJARAT 6,759,106 1,185,671 17.54%15 RAJASTHAN 2,247,185 384,088 17.09%16 UTTARAKHAND 1,471,654 248,068 16.86%17 HARYANA 6,454,642 980,863 15.20%18 WEST BENGAL 5,056,251 765,523 15.14%19 BIHAR 670,634 94,702 14.12%20 TAMIL NADU 11,634,146 1,551,407 13.33%21 ASSAM 478,246 6,957 1.45%22 MEGHALAYA 62,750 252 0.40%

State Total 88,995,248 17,349,303 19.49%

During the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017, representative of Rural Development Department, Haryana informed the member banks that consent forms have been sent to their branches in the State. Controlling heads of member banks were requested to advise their field functionaries to ensure seeding of aadhaar in the accounts of MGNREGA workers on the basis of consent forms. They are also to be advised that no consent form should remain pending to upload in the System for successful seeding of aadhaar in the account of beneficiary.



AGENDA ITEM NO. 12

SWACHCHH VIDYALAYA CAMPAIGN

Under the “SWACHCHH VIDYALAYA CAMPAIGN” launched by Govt. of India, the CSR activities like construction of Toilets for girl students, provision of Library & Sports Kit in Govt. Schools etc. in the adopted villages of banks are to be undertaken.As per reports received from banks, during the review period 140 toilets have been constructed in 151 schools of 129 villages of Haryana, besides other activities like opening of library cum reading rooms, providing sports kits etc. in the schools have also been undertaken by banks. Banks need to accelerate their efforts in this social area. The Controlling heads of banks are requested to ensure their active participation in this social movement/campaign. Bankwise progress as at Dec., 2016 is given on Annexure No. 15 (P-129).The House may discuss.

AGENDA ITEM NO. 13

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

13.1 BASIC STATISTICAL DATA (KEY PARAMETERS)The comparative position of Key Banking Parameters is given below:-

(Amt. Rs. in Crore)Parameters DEC.,

2014DEC.,2015

DEC.,2016

Variation Dec. 2016/Dec.,

2015 (Absolute and

%age terms)No .of Branches 4158 4386 4604 218 (5%)Deposits 206561 23724

7300761 63514 (27%)

Advances 170815 191542

195406 3864 (2%)

PS Advances 81438 103359

107723 4364 (4%)


Agriculture 32351 39998 43055 3057 (8%) MSME 33988 48161 47223 -938 (-2%) Other PS 15099 15200 17445 2245 (15%)Advances to WS 19851 23273 24991 1718 (7%)Advs. under DRI Scheme

16.07 19.30 17.22 -2.08 (11%)

Bank-wise data is given on Annexure No. 16.1-16.6 (P 130-135)While reviewing the progress under key-parameters, following trends have been observed:-13.2 BRANCHESDuring the period under review, 218 branches of Commercial Banks and RRBs have been added thereby raising the total number of bank branches in the State to 4604 as at Dec., 2016 from 4386 branches as at Dec., 2015. Area wise analysis with regard to Branch Expansion is summarized below:-No. of Branches

As At VariationDec.,2014 Dec.,2015 Dec.,2016 Dec. 16/ Dec.

15 (Absolute)Rural 1630 1708 1684 -24 (1.4%)Semi Urban 998 1065 1172 107 (10%)Urban 1530 1613 1748 135 (8%)Total 4158 4386 4604 218 (5%)

This is for information of the House. 13.3 EXPANSION OF BRANCH NETWORK 93 Branch Licenses were pending as at Dec., 2016 with banks for opening of new branches. Some of the major banks with pending licenses are: Allahabad Bank (8), Canara Bank (11), Corporation Bank (8), PNB (18), SBI (6), Syndicate Bank (17) Axis Bank (8). Bank-wise position of licenses in hand is given on Annexure No.16.7 (P-136). The Controlling Heads of these banks are requested to initiate steps for opening of these branches at the earliest.


13.4 DEPOSITS

Total deposits have increased by Rs.63514 Crore from Rs.237247 Crore as at Dec., 2015 to Rs.300761 Crore as at Dec., 2016, showing a growth of 27%.

Area-wise analysis of Deposit Mobilization has been summarized below:-

(Amt. Rs. in Crore)Aggregate Deposit

As at VariationDec., 2014 Dec.,

2015Dec., 2016

Dec., 2016/2015(Absolut

e)%age

Rural 28519 32589 40033 7444 23%Semi Urban

36308 39570 53955 14385 36%

Urban 141734 165088 206773 41685 25%Total 206561 237247 300761 63514 27%13.5 ADVANCESTotal advances have increased by Rs. 3864 Crore from Rs.191542 Crore as at Dec., 2015 to Rs.195406 Crore as at Dec., 2016, showing a growth of 2%. Further, area-wise analysis of Aggregate Advances has been summarized below:-

(Amt. Rs. In Crore)Aggregat

e Adv.As At Variation

Dec., 2014

Dec., 2015

Dec., 2016

Dec., 16/15(Absolute)

%age

Rural 28244 31475 31143 -332 -1%Semi Urban

29215 33659 31386 -2273 -7%

Urban 113356 126408 132877 6469 5%Total 170815 191542 195406 3864 2%


13.6 PS ADVANCESAdvances under Priority Sector have increased from Rs. 103359 Crore as at Dec., 2015 to Rs. 107723 Crore as at Dec., 2016, thus showing an increase of Rs. 4364 Crore or 4%.

(Amt. Rs. In Crore)Sector Dec.

2014Dec. 2015

Dec.2016

Variation Dec. 2016/2015

Absolute %agePriority Sector

81438 103359 107723 4364 4%

13.7 AGRICULTURE ADVANCESTotal outstanding under agriculture advances increased from Rs.39998 Crore as at Dec., 2015 to Rs. 43055 crore as at Dec., 2016, showing an increase of Rs.3057 crore or 8%.


2014Dec. 2015

Dec. 2016 VariationDec. 2016/2015

Absolute %ageAgriculture Sector

32351 39998 43055 3057 8%

13.7-(i) NPAs UNDER AGRICULTURE AS AT 31st Dec., 2016(Amt Rs. in Crores)

Total Outstanding under Agriculture

NPA under Agriculture %age of NPA to total O/s under

Agriculture Advs.A/cs Amt. A/cs Amt.1463922 43055 115803 3186 7.4%

Bankwise position is given at Annexure No. 16.8 (P-137)13.8 MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs) Advances to Micro, Small & Medium Enterprises have decreased to Rs.47223 Crore as at Dec., 2016 from Rs.48161 Crore as at Dec., 2015 thereby registering a negative growth of Rs.938 Crore (2%).



2014Dec. 2015

Dec. 2016

VariationDec. 2016/2015

Absolute %ageMSME Sector

33988 48161 47223 -938 -2%

13.9 ADVANCES TO WEAKER SECTIONAdvances to Weaker Section increased by Rs.1718 Crore on year-on-year basis from Rs.23273 Crore as at Dec., 2015 to Rs.24991 Crore as at Dec., 2016 showing a growth of 7%.


2014Dec. 2015

Dec. 2016

Variation Dec. 2016/2015

Absolute %ageWeaker Sector

19851 23273 24991 1718 7%

13.10 DRI ADVANCES -REVIEW OF PROGRESS The DRI advances have declined by Rs.2.08 Crore from Rs. 19.30 crore as at Dec., 2015 to Rs. 17.18 Crore as at Dec., 2016, registering a negative growth of 11%.As per the revised targets, at least 10 loans per rural branch per quarter are to be made by all the Scheduled Commercial Banks. The progress achieved so far is summarized as under:-

(Amt. Rs. in Lacs)Lending Institutions

Targets Dec. 2016(In Nos.)

Achievement % age Achieveme

ntAccoun

tAmount

Public Sector Banks

26700 2050 420 8%

Private Sector Banks

10620 80 5 0.7%

TOTAL 36900 2130 425 6%Bank-wise position is available at Annexure No 16.9 (P-138)Member banks are requested to take suitable steps to extend finance to eligible persons under DRI. The House may review.


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

GOAL ACH.DEC. 2014

ACH.DEC. 2015

ACH.DEC., 2016

CD Ratio (Total) - 83% 81% 65%CD Ratio (Rural) 60% 99% 97% 78%CD Ratio (S Urban)

60% 80% 85% 58%

PS to total Advances

40% 48% 54% 56%

Agri. to total Advs.

18% 19% 21% 22%

Small & Marginal Farmers

8%** 9% 10%

Micro Enterprises 7.5%** 8% 9%Export Credit 2% N.A 0.44% 0.12%WS Advances to Total Advances

10% 12% 12% 13%

*All Banks have not submitted data under Export Credit as the same has been recently included in review as per revised priority sector lending guidelines. Controlling heads of banks are again requested to ensure submission of data under export credit so that factual position could be placed for review in the next SLBC meeting.**To be achieved upto March, 2017.The Bank-wise position under National Goals is available in Annexure No. 16.10 (P-139). Highlights of performance of Banking Sector under prescribed National Goals are as under:-

Under Priority Sector, the performance of the banking system is 56%, which is above the prescribed National goal of 40%.

Under Agriculture Sector, the achievement is 22%, which is

also above the National goal of 18%. Under Small & Marginal Farmers the achievement is 10%

against the target of 8%.


Under Micro Enterprises the achievement is 9% as against target of 7.5%.

Export Credit is 0.12% against the target of 2%. The ratio of WS Advances to total advances is 13% as against

the National Goal of 10%.

OVERALL CD RATIO

While calculating the overall CD ratio, member banks are requested to adhere to the instructions of RBI contained in their circular no RPCDLDS.BC No 47/2.13.03/2005-06 dated 9.11.2005 which, inter alia states that the CD Ratio at State Level should be calculated with the credit at the place of utilization.The comparative position of overall CD Ratio is as below:-

Period CD Ratio %age VariationDEC., 2014 83% -DEC., 2015 81% -2ppsDEC., 2016 65% -16pps

Observations:

Overall CD Ratio of Banks in State of Haryana as at Dec., 2016 has declined by 16 pps when compared to the position as at Dec., 2015 mainly due to demonetization effect.CD RATIO – RURAL AREAThe comparative position of CD Ratio of Rural Areas in Haryana is as follows:

(Amt. Rs. in Crore)Period Rural Variation

Deposit Advances CD RatioDEC., 2014 28519 28244 99% -13 ppsDEC., 2015 32589 31475 97% -2ppsDEC., 2016 40033 31143 78% -19ppsObservations:The CD Ratio of Rural Areas has decreased by 19PPs and stood at 78% as at Dec., 2016.


CD RATIO – SEMI URBAN AREASThe comparative position of CD Ratio of Semi Urban Areas in Haryana is as follows:

(Amt. Rs. in Crore)Period Semi-Urban Variation

Deposit Advances CD Ratio (%)

DEC., 2014 36308 29215 80% -DEC., 2015 39570 33659 85% +5ppsDEC., 2016 53955 31386 58% -27pps

Observations:The CD Ratio of Semi Urban Areas has also declined to 58% as at Dec., 2016.

This is for information of the house.


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

CD Ratio (TOTAL) GOAL

DEC. 2014

DEC. 2015

DEC. 2016

Banking System (CBs & RRBs)

60% 83% 81% 65%

Financial System including Cooperative Bank

60% 86% 84% 67%

CD Ratio (Financial System) with RIDF

60% 87% 86% 69%

Overall CD Ratio in respect of Commercial Banks, RRBs excluding Cooperative Banks as at Dec., 2016 is 65%. However, with cooperative banks it is 67%.

There is an increase of 2% in CD Ratio (from 67% to 69%) when the amount of RIDF i.e. Rs.3974 Crore is included in total credit of Financial System.


Upto the last quarter i.e. Sept., 2016 No district of Haryana was having CD Ratio below 40%.

However, due to demonetization, deposits of banks have increased whereas advances have not increased in the same proportion, resultantly the reduction in CD Ratio less than 40% in District Narnaul (36%), Rewari (35%) and Rohtak (35%) respectively.CD Ratio of Financial System excluding Cooperative Banks in District Ambala (45%), Faridabad (51%), Gurgaon (56%), Mewat (44%), Sonepat (45%) and Yamuna Nagar (52%), Panchkula (59%), Palwal (55%), Jhajjar (58%) and Kurukshetra (58%) is still below the stipulated level of 60%, which needs efforts of banks and LDMs for further improvement.

The District-wise CD Ratio has been given at Annexure No. 17 (P-140)Due to demonetization effect CD Ratio of banks has come down. The CD ratio of Bank of Baroda (45%), Bank of Maharashtra (56%) Bhartiya Mahila Bank (29%), Central Bank of India (57%), IDBI Bank (28%), Indian Bank (34%), Oriental Bank of Commerce (42%), SBOT (43%), State Bank of Hyderabad (45%), State Bank of Patiala (49%), Syndicate Bank (46%), Union Bank of India (51%), UCO Bank (40%), United Bank of India (41%), Bandhan Bank (59%), J&K Bank (42%), Karur Vysya Bank (53%), South Indian Bank (25%), Yes Bank (40%) and Sarva Haryana Gramin Bank (55%) which needs considerable improvement as the same is low. The Bank-wise CD Ratio has been given at Annexure No. 16.2 (P-131). The house may review.AGENDA ITEM NO. 14.2

CREDIT+INVESTMENT IN STATE GOVT. BONDS TO DEPOSIT RATIO

After adding the figures of Rs.5513 Crore of investment made by banks in the State Govt. Bonds with total credit of Rs.195406 Crore (excluding Cooperative banks) the credit + investment to deposit ratio works out to 67%.This indicates that besides credit deployment, large funds have also been invested by the banking system in State Government securities,


which are ultimately utilized for the economic development of the State. The Bank-wise position is given at Annexure No. 18 (P-141).This is for information of the house.


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

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

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

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

22886 24366 1480 (6.5%)

Total Agri. Loan 70744 76640 5896 (8.3%)MSME 19487 25289 5802 (30%)OPS 16104 16947 843 (5.2%)Total 106335 118876 12541 (11.8%)

NABARD has provided Districtwise Potential Linked Projections (PLP) for the financial year 2017-18 (Annexure No19.1-19.2 (P142-143). SLBC Secretariat had forwarded the same to the Lead District Managers to prepare District Credit Plan (DCP) for the year 2017-18 keeping in view the potential of their districts and allocate the targets to the banks operating in their respective districts after taking into the consideration their achievement under the concerned sector. LDMs are advised to allocate the targets to the banks in their respective districts and get the same approved in the Special DCC/DLRC meeting convened for this purpose. They are also advised to send the bankwise allocation (Sectorwise and Sub Sectorwise as well) to SLBC Secretariat for compilation of Targets under Annual


Credit Plan 2017-18 for placing the same in the 140th meeting of SLBC Haryana for approval of the house.The house may discuss.AGENDA ITEM NO. 15.2

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

As only one and a half months have left for the close of the last quarter of the financial year 2016-17 and the financial year as well, achievement under Annual Credit Plan 2016-17 has been compiled with Annual Targets and the summary of achievement upto the period ended Dec., 2016 is given below:-

(Amount Rs. in Crore)Sector Annual

Targets Ach. for the

Period ended Dec.

2016

% Ach. for the Period ended Dec.

2016Crop Loan 47471 28793 61%Agri. Investment Credit 21692 7437 34%Total Agriculture & allied

69163 36230 52%

MSMEs 19181 15127 79%

Other Priority Sector 15609 7105 46%

Total Priority Sector 103953 58462 56%

Achievement under Annual Credit Plan 2016-17 on the basis of prorata targets upto the period ended Dec., 2016 is also as under:-

(Amount Rs. in Crore)


Sector Prorata Targets

Ach. for the Period

ended Dec. 2016

% Ach. for the Period ended Dec.

2016Crop Loan 35603 28793 81%Agri. Investment Credit 16269 7437 46%Total Agriculture & allied

51872 36230 70%

MSMEs 14386 15127 105%Other Priority Sector 11707 7105 61%Total Priority Sector 77965 58462 75%

Institution-wise & Sector-wise ACP Achievement vis-à-vis Annual Targets 2016 –2017 upto the period ended Dec., 2016 is as under:-

(Amount Rs. in Crore)Lending Institution

Agriculture MSME OPS Total Priority SectorTgt. Ach %

ageTgt. Ach %

ageTgt. Ach %

ageTgt. Ach %

age

Public & Pvt. Sec. Banks

48000

25479

53% 17849

14773

83% 14522

5966

41% 80371 46218

58%

RRBs 7617 4231 56% 351 139 40% 711 101 14% 8679 4471 52%Coop Banks & Others

13546 6520 48% 981 215 22% 376 103

8 276% 14903 7773 52%

Total 69163

36230

52% 19181

15127

79% 15609

7105 46% 103953 58462 56%

Bank-wise/District-wise Achievement vis-à-vis Targets under ACP for the period ended Dec., 2016 are given on Annexure No.20.1-20.6 (P 144-149).

Observations:-


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

As against the Annual target of Priority Sector advances of Rs.103953 Crore, Banks have disbursed loans to the tune of Rs.58462 Crore up to Dec., 2016. The achievement comes to 56%.

As against annual target of Rs.69163 Crore under agriculture & allied sector, Banks have disbursed loans amounting to Rs.36230 Crore. The achievement comes to 52%.

Banks have disbursed loans amounting to Rs.15127 Crore against the annual target of Rs.19181 Crore set for Micro, Small & Medium Enterprises (MSMEs) during the period ended Dec., 2016. The achievement comes to 79%.

Banks have disbursed loans to the tune of Rs.7105 Crore under Other Priority Sector against the annual target of Rs.15609 Crore. The achievement comes to 46%.

Districtwise Sectorwise progress (%age Achievement) under Annual Credit Plan 2016-17 against the Annual Targets is given below:-

S.No.

District SectorAgricultur

eMSME OPS Total Priority

Sector1 Ambala 35% 58% 28% 37%2 Bhiwani 65% 56% 58% 64%3 Faridabad 40% 99% 83% 89%4 Fatehabad 53% 110% 94% 58%5 Gurgaon 41% 97% 22% 56%6 Hisar 53% 74% 123% 60%7 Jhajjar 40% 49% 34% 41%8 Jind 67% 45% 74% 66%9 Kaithal 54% 50% 37% 52%10 Karnal 59% 53% 103% 60%11 Kurukshetra 52% 77% 57% 56%12 M.Garh 39% 89% 79% 47%13 Mewat 24% 29% 10% 22%14 Palwal 42% 49% 25% 40%


S.No.

District SectorAgricultur

eMSME OPS Total

Priority Sector

17 Rohtak 46% 98% 20% 49%18 Rewari 46% 44% 12% 37%19 Sirsa 51% 209% 11% 55%20 Sonepat 36% 271% 18% 51%21 Yamuna

Nagar70% 84% 69% 72%

Total 52% 79% 46% 56%Institution wise Progress The analysis of banking group-wise progress reveals as under:-Total Priority Sector

As against the annual target of Rs.80371 Crore, the Public & Private Sector Banks have disbursed loans amounting to Rs.46218 Crore. The achievement works out to be 58%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.4471 Crore under Priority Sector as against annual target of Rs.8679 Crore thus showing achievement of 52%. Whereas, the Cooperative Banks & others have disbursed loans amounting to Rs.7773 Crore against the annual target of Rs.14903 Crore. The achievement comes to 52%.

Agriculture & Allied Activities As against the annual target of Rs. 48000 Crore under this sector,

the Public & Private Sector Banks have disbursed loans amounting to Rs.25479 Crore, the achievement comes to 53%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.4231 Crore under this sector as against the annual target of Rs.7617 Crore, the achievement comes to 56%.

The Cooperative Banks have disbursed loans amounting to Rs.6520 Crore against the annual target of Rs.13546 Crore, thus achievement comes to 48%.

Micro, Small & Medium Enterprises/ Non-Farm Sector


As against the annual target of Rs.17849 Crore under this sector, Public & Private Sector Banks have disbursed loans amounting to Rs.14773 Crore. The achievement comes to 83%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.139 Crore under this sector as against the annual target of Rs.351 Crore; the achievement comes to 40%.

The Cooperative Banks & others have disbursed loans amounting to Rs.215 Crore against the annual target of Rs.981 Crore; the achievement works out to 22%.

Other Priority Sector As against the annual target of Rs.14522 Crore under this sector,

the Public & Private Sector Banks have disbursed loans amounting to Rs.5966 Crore. The achievement works out to 41%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.101 Crore under Other Priority Sector as against the annual target of Rs.711 Crore, thereby showing achievement of 14%.

The Cooperative Banks have disbursed loans amounting to Rs.1038 Crore against the annual target of Rs.376 Crore; the achievement works out to 276%.

The House may review.AGENDAITEM NO. 16

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

With a view to bring the farmers out of the clutches of money lenders/ non institutional lending agencies, a target of 3% of agriculture disbursement has been fixed for banks under the scheme. The progress made by banks is being reviewed in each SLBC meeting.The summarized position of achievement under Debt Swap Scheme during the period ended Dec., 2016 is as under:-

(Amt. Rs. in Lakh)Lending Institution Disbursemen

t under Agriculture

Target (3% of Disb. under Agriculture)

Achievement under Debt

Swap SchemePublic Sector Banks 1989656 59690 3495 (6%)Private Sector Banks

558296 16749 857 (5%)

RRBs 423082 12692 4749 (37%)


Coop. Banks 651955 19559 800 (4%)Total 3622989 108690 9901 (9%)

The Bank wise position is available in Annexure No. 21.1 (P-150).It is observed that an amount of Rs.9901 Lac has been granted as loan under the scheme during the period ended Dec., 2016, which is 9% of the allocated target. During the last many meetings of SLBC Haryana, controlling heads of banks are being requested to adopt one village in each district under Debt Swap Scheme for bringing the farmers out of the clutches of money lenders, particularly where they are having branch. Upto the period ended Dec., 2016 banks have reported adoption of only 147 villages (Canara Bank-3, Dena Bank-6, Indian Bank-8, IOB-18, OBC-21, PNB-57, SBI-10, Syndicate Bank-3 and Sarva Haryana Gramin Bank 21).The Bank wise position is available in Annexure No. 21.2 (P-151).The Controlling Heads of Banks are requested to advise their field functionaries to adopt one village in each district where they are having branch and lend liberally under the scheme to get the farmers out of clutches of money lenders. LDMs are requested to coordinate with banks and finalize Bank-wise adoption of villages.The house may deliberate.

AGENDA ITEM NO.17

DOUBLING THE FARMER’S INCOME BY 2022

The Hon’ble Union Finance Minister in his Union Budget Speech for 2016-17 had announced doubling of Farmer’s income by 2022. Hon’ble Prime Minister expressed desire on 28.2.2016 to double the income of farmers by the year 2022, when the country completes 75 years of independence. He unveiled a seven-point strategy to double the income of farmers in six years with measures to step up irrigation, provide better quality seeds and prevent post-harvest losses. He said "In the past, the emphasis has been on agricultural output, rather than on farmers' incomes”.


With a good strategy, well-designed programmes, adequate resources and good governance in implementation, this target is achievable."

PM’s Seven strategies:

1. Big focus on irrigation with large budgets, with the aim of "per drop, more crop."

2. Provision of quality seeds and nutrients based on soil health of each field.

3. Large investments in warehousing and cold chains to prevent post-harvest crop losses.

4. Promotion of value addition through food processing.

5. Creation of a national farm market, removing distortions and creation of e-platform across 585 stations.

6. Introduction of a new crop insurance scheme to mitigate risks at affordable cost.

7. Promotion of ancillary activities like poultry, beekeeping and fisheries.

A National Level Seminar was also organized by NABARD on their 35th

Foundation Day on 12th July, 2016 at Vigyan Bhawan, New Delhi. During the seminar some important points emerged which may help augment farmers’ income if translated into action. The same is as follows:-

Simplifying the agriculture loan application forms of banks; streamlining the process so as to facilitate easier processing of applications and speedier sanction of loan etc.

While deliberating on the above issue during review in 137th SLBC meeting, it was desired by the house that an exclusive Sub-Group consisting of members from RBI, NABARD, Commercial Banks, RRB,


Convener Bank, Harco Bank and representatives from Agriculture Department may be formed to address the issue as and when arise. Accordingly, a Committee was formed and constitution of the Committee with the following members was conveyed to the office of Chief Secretary, Govt. of Haryana vide Convener SLBC letter dated 23.09.2016:-

1. Reserve Bank of India2. NABARD3. Financial Advisor, IF&CC, Haryana4. Agriculture & Farmers’ Welfare Department, Haryana5. Convener Bank6. Sarva Haryana Gramin Bank7. HARCO Bank8. Canara Bank9. Central Bank of India10. Oriental Bank of Commerce

11. State Bank of India 12. Syndicate Bank 13. Union bank of India 14. HDFC BankIt was also desired by the house that one Committee should also be formed by the Agriculture Department of Govt. of Haryana, as only providing of finance is not sufficient rather the Road Map is required to be made for providing of Rural infrastructure, irrigation, electricity, literacy in commercial agriculture, modern techniques etc., Mandi, Warehouses, Cold Storage, making of more advances to the farmers and evolving overall strategy and plan in Haryana for achieving the target fixed by Hon’ble Prime Minister. Convener SLBC vide its letters dated 23.09.2016 and 15.10.2016 has requested Chief Secretary, Haryana and Additional Chief Secretary, Agriculture & Farmers’ Welfare Department, Haryana to initiate necessary steps in this regard but no communication has been received from Agriculture & Farmers’ Welfare Department, Haryana in this regard.Representative of IF&CC, Haryana and Agriculture Department, Haryana may apprise the house in this regard.


Further, a One Day Seminar was organized by NABARD, Haryana Regional Office, at Chandigarh on 20.01.2017 in which Capt. Abhimanyu, Hon’ble Finance Minister, Haryana, prominent economists, Agriculture Experts, progressive farmers and bankers also participated.NABARD representative may inform the house in this regard.



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

Creation of Charge over Agriculture land as Primary or collateral for availing Bank loan is one of the formalities to be completed by the farmers. Computerization of land records resulting in online access to land records, online creation of charge by lending institutions is expected to go a long way in facilitating smooth flow of requisite credit to Agriculture Sector. During the 135th meeting of SLBC Haryana held on 10.03.2016, Dr. Rakesh Gupta, General Manager, Punjab National Bank requested the Land Record Department to provide the User ID and Password to the Lending Institutions so that they may able to have online access on the land record and may also be able to create online charge on the land record of borrowers in order to avoid double or multiple financing on the basis of Mortgage of some property/Land.SLBC Secretariat has taken up the issue with Revenue Department, Haryana vide communications dated 15.6.16 and 18.7.16 but any communication from the Department is yet to be received.The Representative from Department of Land Records, Haryana may provide latest update on the issue to the house.The House may discuss.


ISSUES OF REVENUE DEPARTMENT HARYANA


1. SLBC Secretariat has been regularly following up with Revenue & Disaster Management Department Haryana (Communications dated 13.04.16, 12.05.16, 22.06.16, 19.07.2016, 23.08.16, 03.09.16 and SLBC meeting dated 15.11.16) for clarifying whether charge is to be created on the agriculture land against which financial assistance is to be provided by the banks, as per section 4 (1) of the HACOMP Act, 1973 and whether such creation of charge will be a valid charge under the act that means when borrower defaults in repayment of bank dues the bank can sell the related property as per the provision of the law as in the case of Registered Mortgage or by execution of registered mortgage deed as being done by banks as per prevailing practice.

But the necessary clarification has since not been provided by the Department so far resulting in further delay in conveying the same to the SLBC member banks operating in the State of Haryana facilitating them agriculture financing.2. Revenue & Disaster Management Department Haryana is

requested that in case of declaration of any natural calamity in the State of Haryana or any part of the State of Haryana, a copy of the Notification issued by the Department/Government of Haryana may please immediately be provided to SLBC Secretariat for convening Special SLBC meeting and onward communication to the Lead District Managers for convening Special DCC/DLRC meeting.

Representative of Revenue & Disaster Management Department, Haryana may apprise the house.AGENDA ITEM NO. 19.1

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

In the State of Haryana, RSETIs are functioning in all 21 districts of the state. From the progress report of RSETIs upto Dec., 2016, it has been observed that:-

- 2960 training programmes of Skill Development have been organized upto Dec., 2016 wherein 83070 trainees participated.


- 12282 trainees have been financed by the banks to start their Enterprises, 34363 trainees have set up enterprise with their owned funds and 5052 trainees got wage employment.

- Settlement rate is 62%.- Out of the total 83070 trainees, 29185 were from SC/ ST

category, 22801 from OBC, 6119 from Minority and 24965 were from other categories.

- 43198 women & 364 Handicapped persons have also been provided training for self-employment.

- 3684 trainees have also been sponsored by KVIC/KVIB/DIC. Performance of the RSETIs functioning in the State up to Dec., 2016 is given on Annexure No.22.1 (P-152). The House may review. AGENDA ITEM NO. 19.2

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

In the 137th SLBC Meeting held on 12-08-2016 issues relating to Settlement and Credit Linkage of RSETI trainee were deliberated and decision emerged to implement were conveyed to all Controlling heads of banks.To improve the settlement rate of RSETI trained candidates, bankwise pendency has been collected from RSETIs and compiled by SLBC Secretariat. Bankwise and districtwise progress alongwith the pendency is given on Annexure No.22.2-22.3 (P 153-154). From the progress it has been observed that:-

- During the current financial year and upto Dec., 2016, 2528 loan applications of RSETI trained candidates have been sponsored to various banks operating in the State of Haryana.

- Out of 2528, 549 loan applications have been sanctioned and disbursement has been made to 512 applicants.

- 362 applications have been rejected.- 1617 Applications were still lying pending for disposal with

various branches of banks in the State. A copy of the progress report has been forwarded to the concerned banks with a request to advise their branches in the respective districts


to dispose of the applications lying pending with them so that the settlement rate of RSETI Trained candidates could be improved further for making them self-reliant.Controlling heads of SLBC Member banks are again requested to advise their branches to:-

1) Sponsor/ Refer, Candidates to RSETI for Training/Skill Development being conducted for different fields in RSETI’s.

2) Dispose of the Loan Applications of RSETI trained Candidates Sponsored by RSETI’s on Priority.

3) Rejections of RSETI Loan applications are to be considered by Next higher authority at Controlling Level.

The Controlling Heads of the SLBC Member Banks are requested to confirm issue of directions to their branches in this regard.

The Lead District Managers are advised to obtain the details of pending cases from the respective RSETIs and get the pendency cleared from the concerned banks. LDMs to ensure that pendency in such cases should not be more than 15 days. AGENDA ITEM NO. 19.3

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

The following issues hindering the construction process of RSETI buildings in the State of Haryana were being taken up with various departments of Govt. of Haryana:-

- Obtaining CLU for the land where RSETI building is to be constructed.

- Payment of CLU charges- Sanction of electricity loads/water supply on commercial basis- Payment of charges/taxes for getting the maps of RSETI buildings

passed from respective Municipal Corporations/Committees/Department of Town & Country Planning.

The above issues were discussed in the meetings held with different Departments of Govt. of Haryana and as decided in the meeting held on 03.08.2016 under the Chairmanship of Shri Sanjeev Kaushal, IAS,


ACS, Finance, Director General, Town & Country Planning Department, Haryana, Chandigarh vide office order dated 19.10.2016 delegated to District Level Clearance Committee (DLCC) headed by the Deputy Commissioner to approve change of land use applications for setting up of Rural Self Employment Training Institutes (RSETIs) upto one acre.From the above letter it has been observed that some stipulations have been imposed due to which the decision can’t be taken up by the District Administration. For example Agriculture land is not covered and empowered to deal at District Level whereas RSETIs are meant for rural areas and the State Government (Gram Panchayats) has provided the land for construction of RSETI which is shown as Agriculture Land in the Revenue records.It is submitted that this clause should be exempted.

It is also one of the conditions that village road of 33 ft. is a pre-requisite whereas mostly 27.5 ft road is available in the villages/towns. This condition should also be exempted/waived. Though for construction of RSETIs building, RSETI may leave 6-8 ft land without construction adjoining to the road but it is not possible for the RSETIs to get no objection to leave the area from the beginning of the road till RSETI land from the other landholders.Further, the following issues are still pending for decision/resolution:-

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

MORD,Govt. of India vide its letter dated 15.09.2015 had advised all the State Governments as under:-“Difficulty in constructions of RSETI Premises-It has been brought to our notice that wherever RSETIs have been allotted land and constructed the RSETI premises; demands for water and electricity charges are raised at commercial rates. It is clarified that RSETIs are engaged in training unemployed youth, as per Govt. of India guidelines and as such, they should not be treated as commercial establishments and hence charges as applicable to domestic rates need only be collected.”


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

The representative of IF&CC Haryana and Rural Development Department, Haryana may apprise the house in this regard.

The house may discuss.AGENDA ITEM NO. 20

EDUCATION LOAN SCHEME – TARGETS VIS-À-VIS ACHIEVEMENT

Government of India is monitoring the progress under Education Loan Scheme through Department of Financial Services (DFS), MOF, Govt. of India, New Delhi on regular basis.

Against the target of Rs. 1608.23 crore (outstanding), the achievement of banks as at Dec., 2016 against the annual target was 1337.06 crore i.e. 83%. The house may discuss.


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME

The performance of Banks under this scheme is given below:-(Amt. ` In Crore)

Year No. of A/cs

Balance Outstanding

IncreaseAbsolute %age

Dec. 2014 44885 1227.41 77.19 6.7%Dec. 2015 45911 1320.98 93.57 7.6%Dec. 2016 44499 1337.06 16.08 1.2%Bank-wise achievement vis-à-vis target is given in Annexure No.23.1 (P-155) During the review period, the education loans in the State have registered an increase of Rs.16.08 Crore from Rs.1320.98 Crore as at Dec., 2015 to Rs.1337.06 Crore as at Dec., 2016 thus showing YoY growth of 1.2%. During the period ended Dec., 2016, banks have disbursed a sum of Rs.176.15 Crore to 5793 students.



BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME (FEMALE STUDENTS)

Education to female children is pre-requisite not only for women empowerment but also for socio economic development of the State. Banks have been contributing adequately in facilitating higher/ technical education among the girl students in the State of Haryana.The performance of Banks in this regard as at Dec., 2016 is given below:-

(Amt. ` In Crore)Year No. of

A/csBalance

OutstandingIncrease

Absolute %ageDec. 2014 13414 344.80 -24.41 -6.6ppsDec. 2015 13927 377.56 32.76 9.5ppsDec. 2016 14211 403.40 25.84 6.8ppsDuring the period year ended Dec., 2016, banks have disbursed a sum of Rs.48.10 Crore to 1640 female students. All the Member Banks are requested to lend liberally to female students in the state.Bank wise position is given on Annexure No.23.2 (P-156).AGENDA ITEM NO. 20.3

POSITION OF NPA IN EDUCATION LOANS

(Amt. ` in Crore)Total Outstanding as at 31.12.2016

Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2 Education

Loans granted

Collateral Free (Amt.)

Out of Col. 5

Amt. of NPA

%age of NPA to

Collateral Free Loans

No. of A/cs

Amount

1 2 3 4 5 6 744499 1337.0

695.46 7.1% 773.65 73.32 9.5%

From the above position, it is observed that out of total outstanding of Rs.1337.04 Crore under Education Loan Scheme as at Dec., 2016, a sum of Rs. 95.46 Crore i.e.7.1% has become NPA. Out of the collateral free loans of Rs.773.60 Crore under the Education Loan Scheme, a sum of Rs.73.32 Crore or 9.5% falls under NPA.


Bank wise position is given on Annexure No. 23.3 (P-157).

The house may deliberate. AGENDA ITEM NO.20.4

POSITION OF NPA IN EDUCATION LOANS TO FEMALE STUDENTS

(Amt. Rs. in Crore)Total Outstanding as at 31.12.2016

Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2

Education Loans

granted Collateral

Free

Out of Col. 5

Amt. of NPA

%age of NPA to Collateral Free Loans

No. ofA/cs

Amount

1 2 3 4 5 6 714211 403.40 23.41 5.8% 218.82 15.19 6.9%

From the above position, it is observed that out of total outstanding of Rs.403.40 Crore under Education Loan to 14211 female students as at Dec., 2016, a sum of Rs.23.41 Crore i.e 5.8% has become NPA. Out of total collateral free loans of Rs.218.82 Crore, a sum of Rs.15.19 Crore or 6.9% falls under NPA.

Bank wise data is given on Annexure No. 23.4 (P-158)

AGENDA ITEM NO. 21

NATIONAL RURAL LIVELIHOOD MISSION (NRLM)

To review the performance of banks under NRLM and NULM upto the period ended Dec., 2016, a meeting of Sub Committee to SLBC Haryana was held on 30.01.2017.

During the deliberations in the meeting, the Controlling heads of banks/Representative of HSRLM were requested to ensure:--

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


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

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

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

5. Their bank branch offices in district Bhiwani, Jhajjar, Mewat, Karnal, Jind and Mahendergarh apply the interest rate of 7% p.a. accordingly and claim the interest subvention to the extent of difference between the Weighted Average Interest Charged (WAIC as specified by Department of Financial Services, Ministry of Finance for the year 2016-17. In other districts falling in category-II, the interest subvention is to be made available by HSRLM for credit to the SHG loan accounts repaying regularly on the basis of data provided by the banks to the NRO.

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

AGENDA ITEM NO.21.1

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

21.1(i) Bankwise Progress under NRLM provided by HSRLM for the period ended December, 2016 is as under:-


Sr.No.

Name of Bank

SHG BL Plan Position of achievement upto 31st December 2016

% Ach. of SHG BL (No. of SHGs)-Total

% Ach. of SHG BL (No. of SHGs)-IST Dose

No. MUDRA Loans

No. MUDRA Loans

1st 2nd Total 1st 2nd Total

1 SHGB 1562 844 2406 480 372 320 692 28.76% 23.82%2 PNB 1070 557 1627 360 229 225 454 12 27.90% 21.40%3 SBOP 256 104 360 46 23 35 58 16.11% 8.98%4 SBI 231 111 342 42 32 33 65 19.01% 13.85%5 OBC 221 57 278 41 42 10 52 18.71% 19.00%6 Syndicat

e115 63 178 25 32 28 60 33.71% 27.83%

7 CBI 89 55 144 6 10 0 10 1 6.94% 11.24%8 CB 92 35 127 6 32 15 47 37.01% 34.78%9 Allahaba

d Bank35 19 54 - 6 0 6 11.11% 17.14%

10 UBI 74 6 80 14 8 4 12 15.00% 10.81%11 Other

Banks305 90 395 30 - - -

- -Total 4050 194

15991 1050 786 670 145

626 24.30% 19.41%

21.1 (ii) The bank wise pendency of loan applications of SHGs (NRLM) as on 31st December 2016 is as under:-

Sr. No.

Name of Bank No. of Loan applications pending TotalUp to 1 Month Above 1 Month

1. PNB 115 84 1992. SBI 20 44 643. SBOP 03 49 524. SHGB 138 177 3155. Syndicate Bank 09 04 136. OBC 09 28 37


Total 294 386 680

Bankwise and branch wise progress report and pendency has been forwarded to the concerned banks by SLBC Secretariat on 24.01.2017 and 01.02.2017 respectively with a request to advise their branches/DCOs for quick disposal of the same.

The Controlling heads of banks are once again requested to get the pendency of loan applications cleared by their branches at the earliest.


PROGRESS UNDER SELF HELP GROUPS (SHGs)

A target of 5000 and 10000 for Saving & Credit Linkage of Self Help Groups for the financial year 2016-17 has been allocated for the State of Haryana by NABARD. From the progress report of Self Help Groups (SHGs) upto the period ended Dec., 2016 (2016-17), it has been observed that against the target of Saving Linkage of 5000 SHGs, banks have saving linked 1906 SHGs and 43047 SHGs have been reported saving linked since inception of the scheme. Out of these, 19565 SHGs are NRLM compliant.Similarly, against the target of Credit Linkage of 10000 SHGs, banks have credit linked only 1254 SHGs during the period ended Dec., 2016 (2016-17) and 30110 SHGs have been reported credit linked since inception of the scheme. Out of these, 10581 SHGs are NRLM compliant.Bank wise progress under Saving and Credit Linkage of Self Help Groups (SHGs) is given on Annexure No. 24 (P-159).

The House may review.


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


Digital India Programme has been launched by Govt. of India under which all schemes and programmes are being digitalized by Govt. of India. Under this process, NABARD is digitalizing SHG data in 22 districts of the country including District Ambala in Haryana State. After collecting SHG Data of district Ambala, the same is to be uploaded in soft form on website”E-Shakti.nabard.org.”. NABARD has selected Two Project Implementing Agencies (PIAs) Ujala Welfare Committee and Infosys Federation & Educational Council. The projects of these PIAs have been approved by NABARD. These agencies are forming SHGs in the District and after collection and compilation of SHG data of District Ambala will be uploaded on the website.4th & 5th meeting of PIMC on Eshakti Phase-II-Digitization of SHGs in Ambala District were held on 29.11.2016 and 13.01.2017. Representative of NABARD may apprise the house about the latest progress made in this regard.AGENDA ITEM NO. 23.

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

From the progress report it has been observed that against the target of financing of 2100 JLGs, 682 JLGs have been financed upto the period ended Dec., 2016 (2016-17). Controlling heads of banks are requested to advise their field functionaries to pay focused attention towards achieving the targets allocated to their bank.Bankwise progress under financing to Joint Liability Groups is given on Annexure No. 25 (P-160).The house may review.AGENDA ITEM NO. 24

REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES


NATIONAL URBAN LIVELIHOOD MISSION (NULM)

To review the performance of banks under NULM and NRLM, a meeting of Sub Committee to SLBC Haryana was held on 30.01.2017.


During the deliberations in the meeting, the representatives of banks and NULM were requested to ensure:-

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

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

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

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

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

However, progress under the scheme as at Dec.16 is given below for information of the member banks.


PROGRESS UNDER NATIONAL URBAN LIVELIHOOD MISSION (NULM)

Progress under NULM conveyed by the Mission Director, State Urban Development Authority (SUDA) for the period ended Dec., 2016 is as under:-

A)Self-Employment Programme (Individuals)Target

Cases Sponsored

Sanctioned

Disbursed

Rejected

Pending for sanction

Pending for Disb.


3750 2003 322 217 154 1527 105B)Self-Employment Programme (Groups)

Target

Cases Sponsored

Sanctioned

Disbursed

Rejected


Pending for Disb.

176 51 11 1 - 40 10

C) Financing of Self-Help Groups (SHGs)Target

No. of SHGs formed

Cases Sponsored

Sanctioned

Disbursed

Rejected


Pending for Disb.

500 113 - - - - - -Bankwise & Districtwise Progress is given on Annexure No. 26.1-26.5 (P 161-165).

From the above it is observed that:-1) Against the target of 3750 individual beneficiaries 2003

applications have been sponsored. Out of these, only 322 cases have been sanctioned out of which 217 cases have been disbursed. 156 Applications have been rejected and 1525 and 105 cases were lying still pending for sanction and disbursement respectively with the banks as at Dec., 2016.

2) Similarly, against the target of 176 Group beneficiaries, so far 51 applications have been sponsored. Out of 51, 11 applications have been sanctioned and only 1 application has been disbursed. 40 and 10 cases were still lying pending for sanction and disbursement respectively with various bank branches as at Dec., 2016.

3) 113 SHGs have been formed under NULM and No loan application of Self Help Group (SHG) has been sponsored upto 31.12.2016 against the target of 500.

Bankwise/Districtwise progress/pendency as at Dec., 2016 provided by SUDA has been forwarded to the SLBC Member banks and LDMs by SLBC Secretariat on 24.01.2017 with a request to advise their field functionaries for disposal of the pending applications at the earliest and disbursement of sanctioned cases without further delay and


ensure that no applications remains pending without any justified reason.

Controlling heads of banks are once again requested to impart necessary instructions to their field functionaries in this regard.


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

A meeting to review the progress under Pradhan Mantri Employment Generation Programme (PMEGP) was held on 13.01.2017 at Haryana Civil Secretariat under the Chairmanship of Shri Devender Singh, IAS, Principal Secretary, Industries and Commerce, Haryana. In this meeting controlling heads/representatives of banks having pendency of PMEGP cases also participated. Principal Secretary, Industries and Commerce, Haryana advised the Nodal Agencies to forward all cases to the DTFC by 25.01.2017 and ensure that no case remains pending with them. He advised the Controlling heads of banks to ensure that:--No Margin Money claim pertaining to the FY 2015-16 is pending with any of the bank branches. All pending MM claims alongwith the requisite details i.e. IFSC Code and Transit Account No. etc are submitted to KVIC Ambala immediately.-No application forwarded during the year 2015-16 remains pending for disposal.-Margin money claims pertaining to the cases sanctioned during the year 2015-16 and cases forwaded offline from 01.04.16-30.06.16 are sent to KVIC Ambala for uploading on the PMEGP e-portal.-All pending cases forwarded offline (01.04.16-30.06-16) should be disposed of immediately without any further delay i.e. either they should be sanctioned or returned to the Nodal Agencies with reasons.-All pending applications/cases forwarded online (since 01.07.2016) should be disposed of (sanctioned/rejected) by 31.01.2017.-If any case is forwarded to any branch wrongly, the same may immediately be returned to the Nodal Agency.-Sanctioned cases are uploaded on the PMEGP e-portal so that bankwise progress is actually reflected and pendency is reduced accordingly.


Bankwise pendency of offline cases sponsored by KVIC, KVIB and DIC provided by KVIC, Ambala has been provided to the member banks by SLBC Secretariat from time to time. Pendency as on 06.02.2017 (cases sponsored from 01.04.16-30.06.16) has also been forwarded to the banks on 07.02.2017 and summary is given below:-

Nodal Agency Cases Pending KVIC 116KVIB 179DIC 117Total 412

Bankwise pendency is given on Annexure No.27.1 (P-166)KVIC Ambala has provided the progress report of offline cases upto 31.01.2017 as under:-

Cases Forwarded to banks (Incl.

pending appl. Of 2015-16

reforwarded during 2016-

17

Cases Sanctioned by banks & Cases

sanctioned during 2015-16 pending for disb.

Cases Disbursed by banks

& Cases (MM) disbursed by Corpn. Bank Mumbai

w.e.f.01.07.16

No. No. MM Involved (Rs. In lakh)

No. MM Involved (Rs. In lakh)

1257 491+191=682

1280.58+514.74=1795.32

260401

Total661

640.951115.15Total

1756.10

Controlling heads of banks are once again requested to ensure that the offline sponsored cases lying pending with their branches are disposed of (sanctioned/rejected) immediately without any further delay. Further, bankwise pendency of online cases can be viewed from PMEGP E PORTAL.

As per the progress received from KVIC Ambala, the progress of online cases sponsored under PMEGP from 01.07.16-31.01.17 was as under:-


(Margin Money Rs. In Lakh)Cases

Forwarded to

banks

Cases Sanctioned by

banks

Cases Disbursed by

banks

(MM Claimed)

Cases rejected by

banks

Cases pending with

banks

No. No. MM Involve

d

No. MM Involved

No. No.

3871 401 871.71 9 25.47 955 2515

Agency wise summary is given on Annexure No.27.2 (P-167)Bankwise and Districtwise pendency (DIC, KVIB & KVIC ) is given on Annexure No.27.3-27.8 (P 168-173).During the deliberations of 4th meeting of Steering Committee to SLBC Haryana, the controlling heads of all member banks were requested to follow up the action points emerged during the meeting immediately with further request to impart necessary instructions to all field functionaries for disposal of applications pending for sanction and disburse the sanctioned cases immediately before 15th March, 2017 and also to upload the sanctioned/disbursed cases from 01.07.2016 onwards on the portal immediately so that position of dashboard may be viewed with updated data. Controlling heads were also requested to monitor the daily progress from their personal desk under the scheme.

Further, a special meeting of LDMs of Haryana was convened under the Chairmanship of Convener SLBC, Haryana on 07.02.2017 in which apart from LDMs, State Director, KVIC and representatives of Department of Industries, Haryana also participated. LDMs were advised to monitor the progress from PMEGP E-PORTAL (Sensitized about the operational part of the portal by the representative of KVIC during the meeting) on daily basis and ensure to get all pending cases disposed of by the end of Feb., 2017 and the sanctioned cases disbursed by 15th March, 2017 so that target allocated to the State of Haryana could not only be achieved but surpassed. Representatives of KVIC/DIC may apprise the house in this regard.


The house may discuss. AGENDA ITEM NO. 25.2

ON LINE E-PORTAL OF PMEGP SCHEME

As already informed that an E-Portal for submitting loan application under PMEGP has been made operationalized w.e.f. 01.07.2016 and all applications received under PMEGP must be entered in the e-portal. Only such applications will be entertained which will be entered in the e-portal. The procedure for entering the applications is as under:-

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

given on right corner.4. Enter IFSC Code of branch as USER ID.5. Enter email ID of the branch as PASS WORD. 6. SUBMIT

Branch will receive the one time pass word within one day and after that all applications received under PMEGP must be entered in this portal. Convener bank has already conveyed these instructions to all the member banks and have requested to reiterate the same among the branches of their bank and instruct them for meticulous compliance of the same.For any technical support send mail to [email protected] from your branch email id with IFSC code, branch name, contact person name, designation and contact number.Member banks are again requested to percolate these instructions to the branches of their bank for meticulous compliance.

AGENDA ITEM NO. 26

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

From the progress report of sponsored cases by Haryana Scheduled Castes Finance & Development Corporation upto the period ended Dec., 2016, it has been observed that as against the target of 8000, 12512 cases were sponsored to the banks upto Dec., 2016. Out of these, 3288 cases have been sanctioned and 2802 cases have been


mailto:[email protected]

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

disbursed. 2374 (986+1388) cases have been rejected/returned and 6850 & 486 cases were pending with banks for sanction and disbursement respectively as at Dec., 2016.

Bankwise/Districtwise pendency has been forwarded to the concerned banks by SLBC Haryana Secretariat on 19.01.2017 with a request to advise their branches to dispose of the pending cases at the earliest.The bankwise/districtwise details of pending cases are given on Annexure No.28.1-28.2 (P 174-175). SLBC Member banks are again requested to advise their field functionaries to dispose of the applications lying pending with them for sanction on priority and disburse the sanctioned cases at the earliest so that the target allocated to their bank and the State of Haryana could be achieved. The house may discuss.

AGENDA ITEM NO. 27

PROTECTED CULTIVATION IN HARYANA- BANKABLE PLAN FOR 2016-2017

Bankwise Targets for financing under Bankable Plans for Protected Cultivation/Poly Houses for the year 2016-17 have been allocated by NABARD which have been incorporated in the progress report for the quarter ended Dec., 2016 given on Annexure No.29 (P-176)

However, from the progress report received from banks, it has been observed that the achievement of banks under Naturally Ventilated Poly House Model (NVPH) upto the period ended Dec., 2016 is 60 units amounting to Rs.3117 lacs against the target of 1007 units with an amount of Rs.2346 lacs respectively.

Similarly, the achievement of banks under Walk in Tunnel Model (WIT) upto the period ended Dec., 2016 is 7 units amounting to Rs.56 lacs against the target of 371 units with an amount of 557 lacs respectively.The House may review.AGENDA ITEM NO. 28

CASES SPONSORED BY NATIONAL HORTICULTURE BOARD (NHB)


From the Progress report received from the National Horticulture Board, RO Chandigarh it has been observed that 18 LOIs (PNB-4. Andhra Bank-2, CBI-3, SBOP-1, IDBI Bank-1 & RBL-7) have been issued in the State of Haryana during the period ended Dec. 2016 under NHB Scheme No.1 and No LOI has been issued under NHB Scheme No.2. Total Subsidy amounting to Rs.268.133 lacs in 16 projects under NHB Scheme 1 and Rs.132.5 Lacs in 2 projects under Scheme 2 has been released by National Horticulture Board during the current financial year upto the period ended Dec., 2016 (2016-17).Details of Bankwise Letter of Intents (LOIs) issued and subsidy released during the period ended Dec., 2016 is given on Annexure No.30.1-30.2 (P 177-178).Controlling heads of concerned SLBC member banks are requested to advise their field functionaries to sanction loans against the LOIs issued on merits at the earliest.The representative of National Horticulture Board may apprise the house in this regard.The house may discuss.

AGENDA ITEM NO. 29

RECOVERY UNDER HACOMP ACT

The position of recovery certificates as at DEC., 2016 is given hereunder:-

(Amt. Rs.in Crore)Particulars A/cs Amount

Total cases pending as at 31.03.1620034 538.58

Cases filed during the period ended Dec., 16 (1.04.16-31.12.16)

5413 345.40

Cases disposed of during the period ended Dec.,16 (1.04.16-31.12.16)

6912 204.04

Cases pending as at Dec., 2016 18535 679.94Pendency levelUp to 6 months 3457 173.796 months to 12 months 5702 206.821 year to 3 years 7826 239.97


Above 3 years 1550 59.36Total 18535 679.94

Bankwise/Districtwise position is given in Annexure No. 31.1 & 31.2 (P 179-180)

OBSERVATIONS: 18535 Recovery Certificate cases amounting to Rs.679.94 crore

were pending as at 31.12.2016 as against 20034 cases involving Rs.538.58 crore as at March, 2016.

During the period ended Dec., 2016 (01.04.16-31.12.2016), banks have filed 5413 Recovery Certificate Cases amounting to Rs.345.40 Crore. As many as 6912 cases amounting to Rs.204.04 Crore have been disposed of during the period ended Dec., 2016 (01.04.16-31.12.2016).

1550 Cases involving an amount of Rs.59.36 crore are pending for more than three years.

Revenue Department, Haryana has been regularly following up and issuing instructions to all Deputy Commissioners of the State for early disposal of the recovery certificate cases lying pending in their respective districts. Offices of Deputy Commissioners are also sending progress report to SLBC regularly. Earlier, SLBC has been obtaining pendency of cases filed under HACOMP Act from the LDMs but due to non receipt of the same from the DCOs of banks, LDMs are not in a position to submit proper information.

SLBC Secretariat has requested the Controlling Heads of SLBC member banks to provide districtwise details of recovery certificate cases which are lying pending but majority of the banks have not submitted the details of pending cases.

Controlling heads of banks are once again requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank and also provide Districtwise details of pending cases for taking up the matter with Revenue Department, Haryana accordingly.


All LDMs are also requested to review the pendency in the DCC/DLRC meetings and make efforts to get the pendency cleared/minimized at the earliest.


AGENDA ITEM NO. 30

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

Revenue Department, Haryana has also issued instructions to all Deputy Commissioners of the State for early disposal of the case filed by banks before Chief Metropolitan Magistrate (CMM)/District Magistrate (DM) under Section 14 of the SARFAESI. Offices of Deputy Commissioners are also sending progress report to SLBC.

SLBC Secretariat has requested the Controlling Heads of SLBC member banks to provide districtwise details of cases filed by their bank before Chief Metropolitan Magistrate (CMM)/District Magistrate (DM) under Section 14 of the SARFAESI Act, 2002 which are lying pending but majority of the banks have not submitted the details of pending cases.

Controlling heads of bank are again requested to provide Districtwise details of pending cases for taking up the matter with Revenue Department, Haryana accordingly. They are also requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank. All LDMs are requested to closely follow up with Revenue authorities and get the pendency cleared/minimized at the earliest



AGENDA ITEM NO. 31

HOUSING FINANCE

The comparative position of outstanding advances under Housing Finance is given below:-

(Amt. ` In Crore)As At Accounts Amount Increase

Absolute %ageDec., 2014 160230 11668 655 6%Dec., 2015 166729 13065 1397 12%Dec., 2016 153890 21976 8911 68%Bankwise position as at Dec., 2016 is given in Annexure No. 32.1-32.3 (P 181-183).HIGHLIGHTS:

The outstanding advances under Direct Housing Finance Scheme have increased by Rs.8911 Crore from Rs.13065 Crore as at Dec., 2015 to Rs.21976 Crore as at Dec., 2016, thus registering a growth of 68%. Reason for abrupt increase is due to change of reporting pattern by ICICI Bank.

Banks have disbursed Rs.3381 crore in 19912 accounts during the period ended Dec., 2016.


AGENDA ITEM NO. 32

ADVANCES TO INDUSTRIAL SECTOR


FLOW OF CREDIT TO MICRO, SMALL & MEDIUMENTERPRISES (MSMEs)

Priority Sector Guidelines for MSME Sector In terms of circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015 on ‘Priority Sector Lending - Targets and Classification’, bank loans to Micro, Small and Medium Enterprises, for both Manufacturing and Service sectors are eligible to be classified under the Priority Sector as per the following norms:- Manufacturing Enterprises The Micro, Small and Medium Enterprises engaged in the manufacture or production of goods to any industry specified in the first schedule to the Industries (Development and Regulation) Act, 1951 and as notified


by the Government from time to time. The Manufacturing Enterprises are defined in terms of investment in plant and machinery.

Service Enterprises Bank loans up to Rs.5 crore per borrower/unit to Micro and Small Enterprises and Rs.10 crore to Medium Enterprises engaged in providing or rendering of services and defined in terms of investment in equipment under MSMED Act, 2006. In terms of the recommendations of the Prime Minister’s Task Force on MSMEs, banks are advised to achieve: (i) 20 per cent year-on-year growth in credit to micro and small enterprises, (ii) 10 per cent annual growth in the number of micro enterprise accounts and (ii) 60% of total lending to MSE sector as on preceding March 31st to Micro enterprises It is further advised that banks should open more SME focused branch offices at different MSE clusters which can also act as Counseling Centers for MSEs. Each Lead Bank of a district may adopt at least one MSE cluster.The comparative position of credit outstanding to MSME is as follows:-

(Amt. Rs.in Crore)Particulars DEC., 2015 DEC., 2016

A/cs Amt. A/cs Amt.Micro Enterprises 339657

(22%)16126(16%)

419857 (24%)

16525 (2%)

Small Enterprises 110028 20260 134666 20377Micro & Small Enterprises (MSEs)

449685 36386(7%)

554523 36902 (1.4%)

Share of ME Advs. out of MSEs

(76%) (45%) (76%) (45%)

Medium Enterprises (MEs)

16972 11775 18503 10321

MSMEs 466657 48161 573026 47223Bank-wise performance is as per Annexure No. 33.1-33.2 (P 184-185)


Observations: In the State of Haryana, banks as at Dec., 2016 have provided

credit to 419857 Micro Enterprises as against 339657 units as at Dec., 2015 thus registering annual growth of 24% against the target of 10%.

The share of micro enterprise advances to total MSE advances as at Dec., 2016 is 45% against stipulated level of 60%.

YoY growth in credit to MSEs as at Dec., 2016 is 1.4% against the target of 20%.



NPA UNDER MSME ADVANCES

The position of NPA under MSME Advances as at 31st Dec., 2016 is as under:-

(Amt. Rs. in Crore)No. of MSME

Loan A/cs outstanding as at

31.12.2016

Amount of MSME Loans

outstanding as at

31.12.2016

Out of Col. 2, amt. of NPA as

at 31.12.20

16

%age of NPA under

MSME Loans as at 31.12.2016

Out of Col. 2, MSME loans

granted collateral

free

Out of Col. 5, amt. of NPA as

at 31.12.20

16

%age of NPA under MSME

Loans granted

collateral free as

at 31.12.2016

1 2 3 4 5 6 7

573026 47223 3507 7.4% 18704 676 3.6%Bank-wise detail is given as per Annexure No. 33 .3 (P-186).


BIFURCATION OF NPA UNDER MSME ADVANCES

The bifurcation of NPA under MSME Advances as at 31st Dec., 2016 is as under:-


(Amt. Rs. in Crore)Micro Enterprises Small

EnterprisesMedium

EnterprisesTotal MSME Advances

38952 969 8982 1292 2212 1246 50146 3507

Bank-wise detail is given as per Annexure No.33 .4 (P-187).


MSME CLUSTERS IN THE STATE OF HARYANA

The progress of MSME clusters as at Dec., 2016 is given below:-FLOW OF INSTITUTIONAL CREDIT TO IDENTIFIED MSME CLUSTERS– SYSTEM

(Amt. Rs. in Crore)District Cluster Annual

TargetAch. During the Q.E. Dec., 2016

(1.10.16 to 31.12.16)

Ach. Upto the period ended

Dec. 2016(01.04.16-31.12.16)

% age Ach.

A/cs Amt. A/cs Amt.Karnal Rice

Milling150.00 60 123.93 82 200.09 133%

Agri Imp. 0.50 5 0.25 50%Gurgaon Auto

Components

Targets to be allocate by

LDMO

No Progress Submitted by LDMO Gurgaon

%

YamunaNagar

Plywood Industrie

5 3.21 96 48.07 -


sFaridabad Auto

Components

201.75 45.60 183.18 91%

Light Engg.

266.25 67.90 222.63 84%

Lead District Managers of District Gurgaon and Yamuna Nagar have not revised/fixed the target of MSME. They are once again advised to allocate the targets and convey the same to SLBC Secretariat for incorporating the same in the agenda papers of next SLBC, Haryana meeting accordingly.During the deliberations of 137th & 138th meetings of SLBC Haryana held on 12.08.2016 and 15.11.2016, all LDMs, except LDM Karnal and Gurgaon were advised to organize the meeting in the MSME Cluster of their respective districts so as to resolve the issues coming in the way of financing under MSME Sector but no LDM has reported organizing meeting in the MSME clusters in their respective districts.LDMs may apprise the house in this regard.

AGENDA ITEM NO.32.4

CREDIT LINKAGE OF UNIDENTIFIED/UNRECOGNIZED MSMES CLUSTERS

Reserve Bank of India, Chandigarh vide letter dated 15.7.2016 had advised SLBC to initiate Steps for credit linkage of Unidentified/Unrecognized MSMEs clusters in District Gurgaon, Hisar, Panchkula and Panipat in order to facilitate availability of banking outlets and credit flow in such clusters.SLBC has advised Lead District Managers of these districts to obtain the status of their credit linkage and submit the report to SLBC Secretariat for onward submission to RBI Chandigarh accordingly.They have also been advised to organize the meetings in the MSME clusters and list out the problems being faced by them and take steps to ensure that the same are resolved and their credit linkage with banks is accomplished.


Progress made with regard to Credit Linkage of Unidentified/Unrecognized MSME Clusters is given on Annexure No.33.5 (P-188)



CREATION OF SEPARATE WEBSITE FOR MICRO ENTERPRISES

During the deliberations of the Empowered Committee meeting held on 15.09.2015 at Reserve Bank of India, Chandigarh SLBC has taken up the matter for creation of separate web-site for Micro Enterprises in Regional Language enabling each entrepreneur for update knowledge of latest changes/guidelines.

In the meeting of Empowered Committee (EC) of MSMEs for the State of Haryana, Punjab & Chandigarh on 03.10.2016, the Chairman of the meeting has advised their Financial Inclusion Development Department (FIDD) to take up the matter with Department of Industries & Commerce, Haryana.

Representative of Reserve Bank of India is requested to apprise the house in this regard.


SPECIALIZED MSE/MSME BRANCHES

109 Specialized SSI/MSME Branches in Haryana have sanctioned Rs.1776 Crore in 3568 cases during the period ended Dec., 2016 and disbursement has been made in 3401 cases amounting to Rs.1639 Crore. Outstanding advances of specialized MSE/MSME branches as at Dec., 2016 were Rs. 8687 Crore to 26451 units. Bank wise position is given on Annexure No.33.6 (P-189)The House may review.AGENDA ITEM NO. 32.7

COLLATERAL FREE LOANS UPTO Rs.10 LAKH TO MSE SECTOR


The progress of financing by the banks under Collateral Free loans upto Rs. 10 lakh to MSE Sector as at Dec., 2016 is summarized below:-

(Amount Rs. in Lakh)Period New MSEs loans

upto Rs. 10 lakhOut of which collateral

free loansNo. of units

Amount

No. of units

Amount

Dec. 2015 (01.04.15 -31.12.15)

81742 201760 67629 (83%)

157525(78%)

Dec. 2016 (01.04.16 -31.12.16)

92419 173517 89141 (96%)

159898 (92%)

Bank wise information is as per Annexure No. 33.7 (P-190) The study of above data reveals that banks have disbursed loans up to Rs.10 lakh to 92419 MSE units during the period ended Dec.,16 against 81742 units during the corresponding period last year. Similarly, the collateral free loans have been provided to 89141 units (96% of the total units) amounting to Rs.159898 lac (92% of the total amount financed) during the period ended Dec., 16.The following banks have not granted 100% collateral free loans to MSEs (Upto Rs.10 lacs):-Public Sector BanksAndhra Bank (65%) Bank of Baroda (89%) Bank of India (92%) Bank of Maharashtra (97%), Canara Bank (91%), Dena Bank (16%), OBC (63%), P&SB (94%), SBBJ (73%), State Bank of Hyderabad (24%), State Bank of Travancore (39%), Syndicate Bank (91%), Union Bank of India (76%), United Bank of India (29%) and UCO Bank (90%). Private Sector BankAxis Bank (0%), J&K Bank (54%) and Karnataka Bank (7%).In terms of extant guidelines of RBI, loans upto Rs.10 Lac to MSE units have mandatorily to be provided collateral free. This aspect is being repeated in each SLBC meeting. Controlling heads of banks are requested to ensure that 100% collateral free loans upto Rs.10.00 lakh are granted by all branches of their bank.


The house may discuss.AGENDA ITEM NO. 32.8

CREDIT GUARANTEE SCHEME OF CGTMSE

The Credit facility upto Rs. 100 Lakh sanctioned to MSEs (both Manufacturing & Service Sector) are eligible to be covered under CGTMSE. During the SLBC meetings, all Banks are requested to avail the benefit of the Scheme and to get all eligible units covered under the Scheme. Progress under the scheme up to Dec., 2016 is given below:-

(Amount ` in Lakh)Coverage 2015-2016upto Dec.

2015

Coverage 2016-17

upto Dec. 2016

Variation in no. of cases

Dec. 2016/2015

%age growth

Cumulative position as at

Dec. 2016

A/cs Amt.

A/cs Amt. A/cs Amt. A/cs Amt. A/cs Amt.

4811 20325

5941 34034 1130 13709

23% 67% 36090

257022

Bank-wise/District-wise position is given in Annexure No.33.8 (P-191)The data reveals that 5941 cases have been covered during the period ended Dec., 2016 as against 4811 cases covered under the scheme during the corresponding period of last year showing a growth of 23% in no. of accounts & 67% in the amount involved as well. Total number of applications approved since inception are 36090 amounting to Rs.2570.22 crore.The house may discuss.AGENDA ITEM NO. 33.1

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

All the member banks are requested to advise their branches to open bank accounts of students & beneficiaries of minority communities which would help in ensuring accrual of benefits & delivery of financial support to these minority communities.


The comparative position of outstanding advances to minority communities is given below:-

(Amt. Rs. In lacs)Community

Outstanding as on Dec. 2014



A/cs Amt. A/cs Amt. A/cs Amt.Muslim 75366 153789

(5%)77836 168836

(10%)82797 201417

(19%)Sikh 15761

9478995 (10%)

178880 645064(34%)

185314 674521(5%)

Christian 2201 9437 (15%)

2702 10999(17%)

3931 20379(85%)

Buddhist 95 765 (9%)

123 980(28%)

251 1960(100%)

Jain 1363 9418 2577 18963(101%)

2960 19702(4%)

Zorastrian 144 1004 (1334%)

34 1290(28%)

46 325(75%)

Total 236788

653408 (11%)

262152 846133(29%)

275299 888853(5%)

Total (Incl. Coop. bks)

673359

770513 773470 955870(24%)

852419 1000675(5%)

Bank-wise data on loans disbursed and outstanding as at Dec., 2016 is given on Annexure No.34.1-34.3 (P 192-194).It is observed that the total outstanding to Minority Communities in the State is Rs.10006.75 Crore to 852419 beneficiaries as at Dec., 2016. An amount of Rs.2243.70 crore has been disbursed to 95557 persons during the period ended Dec., 2016 (2016-17).

YOY growth is 5% and %age of amount advanced to minority communities to total priority sector advances is 8% which needs strenuous efforts by banks for considerable improvement.Member Banks are requested to advise the branches in the State to extend more credit to minority community for their economic development as Govt. of India wants that at least 15% of the Priority Sector Advances should go to Minority Communities. The house may review.



DATA ON MINORITY COMMUNITIES IN IDENTIFIED DISTRICTS OF MEWAT AND SIRSA & OTHER MINORITY CONCENTRATED DISTRICTS OF HARYANA

The RBI has identified 121 districts with concentration of Minority Communities, out of which, two districts of Haryana i.e. Mewat and Sirsa have been identified for this purpose. During the deliberations of 136th Meeting of SLBC Haryana held on 13.05.2016, the then ACS, Social Justice & Empowerment Department, Haryana advised SLBC to review the progress of other districts wherein more than 25% of the population belongs to Minority Communities.For the quarter ended Dec., 2016, financial assistance provided to Minority Communities in District Mewat, Sirsa, Fatehabad, Yamuna Nagar, Kaithal and Palwal has been compiled. Districtwise Progress is given on Annexure No. 35.1-35.2 (P 195-196). From the progress received from the LDMs of these districts it has been observed that:-

Amt. Rs. In LakhDistrict Total

Disb. Under Priority Sector

Disb. To Minority Communities

% age of Credit Disb. To Minority Communities

Total Outstanding Under Priority Sector

Outstanding To Minority Communities

% age of Total Outstanding to O/s to Minority Communities

Mewat 37251 22361 60% 119471 78328 66%Sirsa 453175 166216 37% 567623 212748 37%Fatehabad

289550 32396 11% 408033 39966 10%

YamunaNagar

527266 10945 2% 450943 53636 12%

Kaithal 339974 62941 19% 500529 84217 17%Palwal 95107 19657 21% 234867 55687 24%Controlling heads of banks are requested to advise their field functionaries especially in District Fatehabad, Yamuna Nagar, Kaithal and Palwal to extend more credit to the minority communities so that


the socio economic status of these communities could be improved significantly.LDMs of the above Minority Community concentrated districts are also requested to review the progress in DCC/DLRC meetings and make concerted efforts to increase the financing to minority communities in their respective districts.The house may review and discuss.

AGENDA ITEM NO. 34

FINANCIAL ASSISTANCE TO WOMEN BENEFICIARIES

The empowerment of women is one of the primary objectives of Government of India. RBI has already issued instructions to the banks to advance at least 5% of their Net Bank Credit to Women Beneficiaries. This aspect is being monitored both at DCC and SLBC levels. The comparative position of advances to women beneficiaries is given below:-

Amt. Rs. in Crore)Year Balance O/s Increase Total

AdvancesAbsolute %ageDec., 2014 8760 1611 22.5% 5%Dec., 2015 10665 1905 21.7% 5.6%Dec., 2016 17873 7208 68% 9.1%

Advances to Women Beneficiaries witnessed an increase of Rs.7209 Crore from Rs.10665 Crore as at Dec., 2015 to Rs.17873 Crore as at Dec., 2016, thus registering a growth of 68%. Higher YOY growth is on account of data reported by ICICI Bank. Upto the period ended Dec., 2016, Banks have disbursed advances to the tune of Rs.4696 Crore to 146789 women beneficiaries.Bank-wise data depicting the performance during the year as at Dec., 2016 is given in Annexure No. 36 (P-197).The house may review.

AGENDA BANKING PLANS FOR AREA BASED SCHEMES FOR


ITEM NO. 35 INVESTMENT IN AGRICULTURE

Activitywise/Schemewise progress under banking plan for identified activities i.e. Dairy, Under Ground Pipe Line (UGPL), Laser Land Leveler, and Sprinkler Irrigation for the financial year 2016-17 as at 31.12.2016 is given below:-Diary

Amt. Rs. In lacsTarget Sanctioned Disbursed % age Ach.

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

89558 48361 10230 7409 7323 5725 8% 12%Under Ground Pipe Line


No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

7174 6811 1113 4588 1113 4579 16% 67%Laser Land Leveler


No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

1905 6002 176 376 176 371 9% 6%Sprinkler Sets

Amt. Rs. In lacsTarget Sanctioned Disbursed %age Ach.

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

5557 1000 45 108 44 107 1% 11%Bankwise Progress is as per Annexure No.37.1-37.4 (P 198-201).The House may review.

AGENDA ITEM NO. 36

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

Govt. of India has advised the banks to ensure issuance of RuPay ATM


cum debit cards to 95% of the total eligible KCC holders by 31st Dec., 2016.

It has been observed from the progress reports received from banks that out of 2058915 eligible KCC holders banks have issued only 497730 Rupay ATM cum debit cards upto Dec., 2016 i.e.24%. It has been observed that HARCO Bank has maximum KCC holders i.e. 1316152 but they have issued only 100 Rupay Debit cum ATM Cards. Member banks are requested to issue Rupay Cards to remaining eligible KCC holders expeditiously.

Bank wise position of issuance of Kisan Rupay Cards is given on Annexure No.38 (P-202).The house may review.

AGENDA ITEM NO. 37

PROGRESS UNDER UPLOADING OF EQUITABLE MORTGAGES ON THE PORTAL OF CERSAI

Presently banks are uploading the position of Equitable Mortgage on the site of Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI). Bank wise progress as at Dec., 2016 is given on Annex. No.39 (P-203).The representative from CERSAI is requested to apprise the members about the latest developments/information with regard to uploading of equitable mortgages by the bank branches.

The house may review.

AGEND ITEM NO. 38.1

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

SLBC Secretariat had requested Department of Industries and Commerce, Haryana to allocate districtwise targets under Weaver Credit Card Scheme for the financial year 2016-17. Joint Director Industries, Haryana vide their letter dated 12.07.16 has further requested Ministry of Textiles, Govt. of India to allocate the targets for onward communication to the field functionaries. Districtwise targets under Weaver Credit Card Scheme for the FY 2016-17 are still awaited


whereas the Financial Year is going to close within about 2 months.Representative of Department of Industries is requested to apprise the house in this regard.


PROGESS UNDER WEAVER CREDIT CARD SCHEME

Target under Weaver Credit Card Scheme are yet to be allocated. Progress under the scheme in 5 districts upto the period ended Dec., 2016 (2016-17) is as under:-

S.No.

Name of the District

Target Cases Sponsd

.

Cases Sanctnd

.

Cases Disb.

Cases Rej./Retd

.

Cases Pending

for sanction

Cases pending for Disb.

1 Panipat Yet to be

Allocated

91 44 44 40 7 -2 Yamunanag

arNil - - - - -

3 Bhiwani Nil - - - - -4 Ambala 50 7 - 43 - 75 Fatehabad 10 4 - - 6 4

Total 151 55 44 83 13 11Bankwise/Districtwise progress is given on Annexure No.40 (P-204).The House may discuss.AGENDA ITEM NO. 39

RECOMMENDATIONS OF THE REPORTS OF THE COMMITTEE FOR STRENGHTENING THE NEGOTIABLE WAREHOUSE RECEIPTS (NWRs) BY WDRA IN THE COUNTRY-DATA REPORTING BY BANKS TO SLBCs

Reserve Bank of India Central Office, Mumbai vide its communication dated 31st July, 2015 advised SLBC Conveners to monitor the progress of pledge financing against Negotiable Warehouse Receipts (NWRs) in the SLBC meetings and provide the data to LDMs for review in DCC/DLRC meetings. On the basis of information received from banks progress compiled by SLBC is as under:-

(AMT. RS. IN LACS)Institution Disbursement during

the period ended Dec. Outstanding as at

Dec., 2016


2016 (01.04.16-31.12.16)

No. Of A/cs Amt. No. Of A/cs

Amt.

Public Sector Banks

150 43571 148 38708

Pvt. Sector Banks 9 618 3 247RRBs - - - -Coop.Banks - - - -Total 159 44189 151 38955

LDMs are also requested to monitor the progress in DCC/DLRC meetings of their respective districts.Bankwise/Districtwise progress is given on Annexure No. 41.1-41.2(P 205-206).The house may review.AGENDA ITEM NO. 40

CHARGING UNIFORM FEES BY BANKS FOR LEGAL OPINION

During the deliberations held in the Meeting of Empowered Committee (EC) on RRBs which was convened by RBI Chandigarh on 23.06.2016 SLBC Haryana was requested to take up the matter with SLBC member banks to consider uniformity in fees charged by them for obtaining legal opinion and mortgage in agriculture loans along the lines of State of Punjab where a fee of Rs.1100/- (Rs.One thousand one hundred only) has been fixed for this purpose.The issue was discussed in the 137th meeting of SLBC Haryana held on 12.08.2016 and it was decided by the house to take up the matter with the Office of Chief Secretary Haryana with a request for taking up the issue with Bar Council of Haryana for charging nominal fees from the farmers for obtaining legal opinion for non-encumbrance and creation of mortgage in agriculture loans.Convener SLBC vide its letter dated 23.09.2016 and 30.01.2017 has requested Additional Chief Secretary, Finance, Govt. of Haryana to take up the matter with the State Government/Chief Secretary Haryana alongwith their recommendations for favourable consideration keeping in view the welfare/interest of the farming community.


The representative of IF&CC Haryana may apprise the house in this regard.

IAGENDA ITEM NO. 41

YEARLY CALENDAR OF HOLDING SLBC MEETINGS

In order to streamline & strengthen the system of holding SLBC meetings, Reserve Bank of India vide their letter o.RPCD.CO.LBS.BC.NO.44/02.19.10/2010-11 dt. 29.12.2010 addressed to CMDs of all SLBC Convener Banks have given broad guidelines for convening the SLBC meetings, in terms whereof Convener Banks have to prepare a year calendar of SLBC meetings on Calendar Year Basis inter-alia specifying clearly the cut off dates for data submission and acceptance thereof by SLBC.For the calendar year 2017, the dates for holding SLBC meetings for the State of Haryana are as under:-Sl. No Quarter for which

data is to be reviewed

Proposed date and day of holding SLBC meetings

140th SLBC March, 2017 15th May 2017 (Monday)141st SLBC June, 2017 11th August 2017 (Friday)142nd SLBC Sept., 2017 14th November 2017 (Tuesday)143rd SLBC Dec., 2017 14th February 2018

(Wednesday)The schedule of other activities relating to convening of SLBC meetings as conveyed by RBI is reiterated for the information of members as under:-

S.No.

Activity To be completed by (Date)

1. Preparation of calendar of SLBC meetings and intimation to all concerned of the cut off dates of submission of data and dates of meetings as per dateline given below:-

15th of January every year

2. Reminder regarding the exact date of meeting and submission of data by banks to SLBC

15 days before the end of the quarter

3. Dead line for receipt of data by 15 days from the end of the Agenda & Background Papers of 139th Meeting of SLBC Haryana Page 101

SLBC Convener Bank quarter4. Distribution of agenda cum

background papers20 days from the end of the quarter

5. Holding of SLBC Meeting Within 45 days from the end of the quarter

6. Forwarding the minutes of the meeting to all stakeholders

Within 10 days from the holding the meeting

7. Follow up of action points emerged from the meeting

To be completed within 30 days of forwarding the minutes for review in the next meeting

It has been observed that quality of data submitted by Banks and LDMs to SLBC Secretariat needs to be improved upon. Hence, they are requested to ensure submission of data duly checked as per above schedule.

The house may discuss and approve.

AGENDA ITEM NO. 42

APPOINTMENT OF INDEPENDENT DISTRICT COORDINATORS (DCOs) BY BANKS

SLBC Secretariat has been regularly requesting the Controlling heads of banks to appoint Independent District Coordinators in all districts of the State. But till date only the following banks have provided the list of their District Coordinators to SLBC Secretariat:-

1. Allahabad Bank2. Bank of Baroda 3. Bank of Maharashtra 4.Canara Bank 5.Central Bank of India 6. Corporation Bank 7. Harco Bank 8. Indian Bank 9. Indian Overseas Bank 10. Oriental Bank of Commerce 11. Punjab & Sind Bank 12. State Bank of India 13. State Bank of Patiala 14.Sarva Haryana Gramin Bank 15. Syndicate Bank and 16. Union Bank of India 17. Vijaya Bank.

Remaining banks are requested to ensure submission of details of DCOs of their bank to SLBC Secretariat immediately as DCO is an important link between a bank and the Lead District Manager.

Controlling heads of banks are requested to ensure that Independent DCOs are appointed and Branch Managers are not designated as DCO.



AGENDA ITEM NO. 43

ANY OTHER ISSUE WITH THE PERMISSION OF THE CHAIR

---------0---------

ITEMS FOR INFORMATION ONLY

AGENDA ITEM NO. 44

FARMERS’ CLUBS FORMED BY BANKS

Banks have formed Farmers 2533 Clubs up to Dec., 2016 and its institution wise break up is given below:-

Institution No of clubsCommercial banks 494SHGB 1177Central Cooperative banks 654PCARDBs 188Total 2513

All Banks are requested to form more such clubs and create awareness amongst farmers about the banking facilities and help them in becoming knowledgeable farmers. This will also help in bankers’ drive towards Complete Financial Inclusion.Lead District Managers are also requested to seek the help of Farmers’ Clubs in their district for recovery of bank dues, coverage of all the eligible non-defaulter willing farmers under KCC as also making the farmers aware of the benefits of Agriculture Insurance Schemes of NAIS and Pradhan Mantri Jan-Dhan Yojana, Swachh Bharat Abhiyan and Agenda & Background Papers of 139th Meeting of SLBC Haryana Page 103

Beti Bachao and Beti Padhao being implemented, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, Pradhan Mantri MUDRA Yojana and Stand Up India Scheme in the State.

AGENDA ITEM NO.

45

LOANS GRANTED TO DISABLED PERSONS AT NHFDC RATE UNDER TIE UP ARRANGEMENT

NHFDC functions as an apex institute for promoting economic development activities and self employment venture for the benefit of Persons with Disabilities (PWDs). The fund is channelized through State Channelizing Agencies (SCA) nominated by the respective state/ UT Government(s). NHFDC also provides grants for skill training of disabled persons. The detailed information on schemes and programmes of NHFDC is available on website www.nhfdc.nic.in.With a view to make this segment of population economically independent in the state of Haryana, NHFDC has tied up with Sarva Haryana Gramin Bank and Haryana Gramin Bank for flow of collateral free concessional credit (interest rate of 4-8%p.a) to PWDs for self employment under credit guarantee scheme of Government of India. The bank will also extend education loan to eligible students with disabilities for higher education in India and abroad at an interest rate of 3.5-4% p.a only. The entire loan extended to PWDs for above purpose shall be refinanced by NHFDC to the concerned bank. Also the partner Banks will be able to earn 3% interest margin on above loans extended to PWDs.Any Bank interested to sign agreement with NHFDC for flow of concessional credit to PWDs may contact the office of Ministry of Social Justice and empowerment. Govt. of India, Shastri Bhawan, New Delhi. From the data, it is observed that banks have disbursed ` 1711 Lac to 593 borrowers up to the period ended Dec., 2016.

(Amt. Rs. in Lac)During the period ended Dec., 2016

Sanctioned DisbursedA/c Amt. A/c Amt.607 1766 593 1711

Bank wise information on flow of credit to disabled persons is given on Annexure No. 42 (P-207).


http://www.nhfdc.nic.in/

AGENDA ITEM NO. 46

SWAROZGAR CREDIT CARD SCHEME (SCC) – NODAL AGENCY: NABARD

The matter for allocation of targets under Swarozgar Credit Card Scheme for the financial year 2016-17 was taken up with NABARD, Regional Office, Chandigarh. It has been informed by NABARD Regional Office, Haryana that the scheme is under review and the targets shall be intimated at a later stage.The progress achieved in implementing Swarozgar Credit Card Scheme up to the period ended Dec., 2016 reveals that 1262 Swarozgar Credit Cards have been issued. Member Banks are requested to issue necessary instructions to their branches to improve the progress under the scheme so that targets allocated by NABARD could be achieved. However, target allocated during the previous year i.e. 25000 has been placed in the annexure. NABARD, Regional Office, Haryana is requested to convey the targets for the FY 2016-17 to SLBC Haryana Secretariat for onward communication to the member banks.

Bankwise Achievement vis-à-vis target during the quarter ended Dec., 2016 (2016-17) has been given in Annexure No. 43 (P-208).

AGENDA ITEM NO. 47

PERFORMANCE IN IMPLEMENTATION OF NAYAK COMMITTEE NORMS

During the current financial year upto 31.12.2016, Banks have sanctioned working capital limits to 12099 small manufacturing units amounting to Rs.1758 Crore out of which 10848 small manufacturing units with working capital limits amounting to Rs.1537 Crore were sanctioned as per Nayak Committee Norms. Thus, banks have sanctioned 90% cases as per Nayak Committee Norms during the period under review. Bank-wise data is given in Annexure No. 44 (P-209)

AGENDA ITEM NO.

48

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME OF NATIONAL HOUSING BANK


The comparative position under the scheme is as under: (Amt. Rs. in Crore)

Period Disbursements SC/ST ShareA/cs Amt. A/cs % age to

total no.Dec. 2014 982 46 172 18%

Dec. 2015 1773 64 314 18%

Dec. 2016(01-04-16-31.12.16)

1809 142 237 13%

During the period ended Dec., 2016 banks have disbursed loans amounting to Rs.142 crore to 1809 beneficiaries as compared to Rs.64 Crore disbursed to 1773 beneficiaries during same period of last year. Out of 1809 beneficiaries, the share of SC/ ST is 13%.

Controlling heads of banks are requested to further increase the credit disbursement under this sector as loans are fully secured and percentage of Recovery is also satisfactory. As per the guidelines, banks should include all the housing loans made in rural areas under this scheme irrespective of the amount of loan advanced.The data provided by Banks is given in Annexure No.45 (P-210). AGENDA ITEM NO. 49

GENERAL PURPOSE CREDIT CARD SCHEME (GCC)

Banks have issued 181180 cards amounting to Rs.329026 Lacs upto 31.12.2016 since inception of the scheme. Since there is great thrust of Department of Financial Services, MOF, GOI and RBI on total Financial Inclusion, banks are requested to issue maximum number of GCCs to the people in the Rural Area having no land to start their income generating activity. Bankwise progress is given in Annexure No. 46 (P-211)AGENDA ITEM NO. 50.1

GOVERNMENT SPONSORED SCHEMES BEING IMPLEMENTED THROUGH NABARD


NABARD has been implementing various Centrally Sponsored Subsidy Schemes for passing on Subsidy to the beneficiaries financed by the participating banks.The details of the capital subsidy sanctioned under different Govt. Sponsored Schemes during the quarter ended Dec., 16 (2016-17) in the State of Haryana are as under:- Name of Scheme No. of

ProposalsAmount Sanctioned

During the P.E.Dec.,16 (`lakh)

Amount Disb.During the P.E.Dec., 16

(` lakh)Advance SubsidyCISS - Rural Godowns 3 143.375 1373.975CISS-ISAM 6 150.720 522.283Subtotal : 9 294.095 1896.258Final/OT SubsidyCISS - Rural Godowns 19 953.193 1688.354CISS-ISAM 4 168.228 0CISS - Cold Storage 0 0 0CLCSS 0 0 0ACABC 1 1.800 4.438DEDS 268 142.554 142.554CSS - AH Scheme 0 0 0PVCF (Subsidy) 0 0 0 JNNSM# 144 25.812 27.497Solar Pump Set Scheme

3 6.480 6.480NPOF 0 0 0Sub Total 439 1298.067 1869.323Grand Total 448 1592.162 3765.581This is for the information of House.AGENDA ITEM NO. 50.2

Financing of Rural Godowns

Upto the quarter ended Dec., 2016, banks in the State of Haryana have financed 494 Rural Godowns amounting to Rs.649.36 crore, of which 235 Godowns amounting to Rs.175.75 crore have been sponsored by NABARD and remaining 259 involving Rs.473.61 crore have been directly financed by banks.Bankwise progress is given on Annexure No. 47 (P-212)

AGENDA ITEM NO.

Sanction of loans by banks to trained candidates under the Central Sector Scheme “ Establishment


51 of Agri-clinic & Agri- Business Centres”(ACABC)Upto the period ended Dec., 2016, banks have financed 39 Agri-Clinics and Agri- Business Centres amounting to Rs.246 lakh. Bank wise progress is given on Annexure No.48 (P-213)The Controlling Heads of the banks are requested to advise their branches in the state to clear the pendency to facilitate the trained candidates to establish Agri-Ventures by availing bank loan. LDMs are also requested to review the progress of financing under ACABC to trained students in DLRC meetings.

AGENDA ITEM NO. 52

ARTISANS CREDIT CARD SCHEME (ACCs)

During the FY 2016-17 and Upto the ended Dec., 2016, banks have issued 2399 cards amounting to Rs.609 lac. The cumulative progress under ACC scheme since its inception is 7687 cards amounting to Rs.4127 Lakh of which 191 cards are covered under CGTMSE with an amount of Rs.189 lac. Major participating banks in the scheme are PNB (2594), SBOP (1333), SBI (624), SBBJ (327) Syndicate Bank (405), Bank of India (183), Bank of Baroda (134) and UCO Bank (92).Bank-wise position is given at Annexure No. 49 (P-214)

AGENDA ITEM NO. 53

PROGRESS OF CASES FILED UNDER LOK ADALATS

It is observed that upto the period ended Dec., 2016, 20077 cases involving Rs.28735 Lac were filed before the Lok Adalats out of which 2422 cases amounting to Rs.3149 Lac were settled.Bank wise data is given on Annexure No.50 (P-215).

AGENDA CREDIT FACILITIES GRANTED TO EX-SERVICEMEN Agenda & Background Papers of 139th Meeting of SLBC Haryana Page 108

ITEM NO. 54

AND WIDOWS OF EX-SERVICEMEN

Bank-wise and district-wise data is given on Annexure No.51.1-51.2 (P 216-217).

AGENDA ITEM NO. 55

POSITION OF ATMs INSTALLED BY BANKS IN THE STATE OF HARYANA

Area Category

ATMs as at March,

2016

ATMs installed during the P.E.

Dec., 2016

ATMs closed during the P.E. Dec.,

2016

ATMs as at Dec.,

2016

Rural 1009 47 48 1008Semi-Urban 1488 100 41 1547Urban 3522 281 80 3723Total 6019 428 169 6278

Bank wise position is given on Annexure No. 52 (P-218).AGENDA ITEM NO.56

PROVIDING KISAN CREDIT CARDS (KCCs) TO ALL THE ELIGIBLE & WILLING FARMERS

Position as on 31.12.2016 S.No

.Particulars Data

1 KCCs outstanding as at 31.03.2005 1447178Amt ` 5225 Crore

2 KCCs issued since inception of the Scheme

3833250

3 Amount Sanctioned ` 60632 crore4 Outstanding Card Nos. 24066775 Amount Outstanding `37998 crore

As per census 2011, data on number of farmers available with the Agriculture Department, Haryana is as under:-

Sr. No.

Classification of Farmers Numbers in lakhs

1. Marginal Farmers 7.782. Small Farmers 3.15


3. Other Farmers 5.24Total 16.17

It may be observed from the above data that the no. of KCCs outstanding as on 31.12.2016 (2406677) is more than the no. of farmers in the State. The difference may be on account of issuance of more than one KCC to a farmer family depending upon the land ownership in the Revenue Record provided by the farmer to the Lending Institution.Bank-wise progress under Kissan Credit Card (KCC) Scheme as at Dec., 2016 is given in Annexure No. 53.1-53.2 (P 219-220).

This is for the information of the house.- - - - - -


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