Agenda & Background Notes
192nd Meeting of
State Level Bankers’
Committee of Andhra Pradesh
(9th Meeting of Reorganized
A.P State)
16.12.2015
03.30 PM
Vijayawada
State Level Bankers` Committee Of A.P
Convener
Andhra Bank
Andhra Bank, Head Office, Dr. Pattabhi Bhavan, Saifabad, Hyderabad – 500 004
Phone: 040-23231392, 23252375, 23252387, Fax: 23234583 & 23232482, Email: slbc@andhrabank.co.in
SLBC of AP
192nd meeting of SLBC
Convener:
192nd SLBC Meeting Agenda – Index
01.
Adoption of Minutes
S. No
Particulars
1.1
Page
No.
st
Adoption of the minutes of 191 SLBC meeting of AP held on 28.09.2015 & other
10
meetings of SLBC held after 28.09.2015
02. Banking Statistics
S. No
Particulars
2.1
2.2
2.3
2.4
Banking at a Glance in Andhra Pradesh as on 30.09.2015
Banking Key Indicators of Andhra Pradesh
Comparative Statement of Banking Key Indicators
Statement of Priority Sector Advances
03. Achievement of Annual Credit Plan 2015 –16
S. No
Particulars
3.1
3.2
3.3
3.4
Kharif Achievement under Agriculture
Achievement of Annual Credit Plan as on 30.09.2015
Share of Banks in Achievement up to 30.09.2015
Annual Credit Plan achievement – Last three years
3.5
Comparative Statement of Credit Disbursements (Y-o-Y)
04. Major Action Points of earlier SLBC / Steering Committee Meetings - ATR
S. No Particulars
Recommendations of the committee constituted for revisiting the LEC scheme held
on 12.08.2014
Allotment of site to RSETIs located at Machilipatnam, Guntur, Chittoor and
4.2
Tirupathi.
Issues Resolved & Dropped
Formation of Committees
4.1
Page
No.
11
12
13
14
Page
No.
16
17
19
24
25
Page
No.
26
27
27
To establish Second DRT in A.P. State
28
Notified places for creation of equitable mortgage by branches
Emu farming
28
28
2
SLBC of AP
192nd meeting of SLBC
Convener:
05.
Agriculture Sector
S. No.
Particulars
Page
No.
5.1
Progress in lending to Agriculture Sector
29
5.2
Interest Subvention Scheme for Short term Crop Loans during the year 2015-16
31
5.3
32
5.6
Progress in lending to LEC holders
Performance of Joint Liability Groups of ‘Bhoomi Heen Kisan’ during the year
2015-16
Pledge financing against Negotiable Warehouse Receipts (NWRs)
Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans
5.7
Agriculture Debt Redemption Scheme of GoAP – Submission of UCs
34
5.4
5.5
32
33
34
5.9
Debt Redemption to Horticulture Crops – Status Report on completion of
uploading of data
Loan charge creation module
5.10
Crop Insurance Schemes – Rabi 2015-16
35
5.11
Relief Measures in the Districts affected by Drought
36
5.12
Fisheries Policy of Andhra Pradesh 2015-16
36
5.13
Climate Change and its effects
38
5.14
Overdues / NPAs under Agriculture Sector as on 30.09.2015
39
5.8
06.
Micro, Small & Medium Enterprises (MSME) Sector
S. No. Particulars
6.1
6.2
6.3
6.4
6.5
6.6
6.7
Position of Lending under MSME sector
Start-up India Programme
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) SchemeProgress made by Banks
Specialized MSME branches in the State of Andhra Pradesh
Entrepreneurial Sensitivity
34
35
Page
No.
41
42
43
43
43
44
44
6.8
Rehabilitation of Sick Micro and Small Enterprises
Review of revival of sick MSE units at District level
Roll out of Pradhan Mantri MUDRA Yojana (PMMY)
6.9
Swarojgar Credit Cards (SCC) scheme
46
6.10
Skill Loan Financing
46
6.11
6.12
Implementation of Modified REMOT scheme renaming as Coir Udyami Yojana
(CUY)
Overdue/NPAs under MSME sector
45
47
47
3
SLBC of AP
192nd meeting of SLBC
Convener:
07. Housing Loans
S. No Particulars
7.1
7.2
7.3
7.4
7.5
Position of Housing Loans as on 30.09.2015
Housing for All (Urban) under Pradhan Mantri Awas Yojana
Weaker Sections Housing Programme – Loans taken by the beneficiaries for
construction of houses under Rural, Urban, RGK and VAMBAY
Issues relating to RGK & VAMBAY claims with APSHCL
Overdue /NPAs under Housing Loans as on 30.09.2015
08. Education Loans
S. No Particulars
Page
No.
48
48
50
51
52
Page
No.
8.1
Position of Education Loans as on 30.09.2015
52
8.2
Central Scheme to provide Interest Subsidy (CSIS)
52
8.3
Non-adherence to RBI guidelines on security/co-obligation and keeping register for
Rejected loans for recording the reasons
Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Education Loan for
Overseas studies for OBCs
Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Education Loan for
Overseas studies for EBCs
Overdue/NPAs under Education Loans as on 30.09.2015
8.4
8.5
8.6
09. Export Credit
S. No
Particulars
9.1
Position of Export Credit in Andhra Pradesh
10. Credit flow to Minority Communities
S. No
Particulars
10.1
Credit flow to Minority communities
11. Credit flow to Weaker Sections
S. No
Particulars
11.1
Credit flow to Weaker sections
53
53
54
54
Page
No.
55
Page
No.
55
Page
No.
56
4
SLBC of AP
192nd meeting of SLBC
12. Credit flow to Women beneficiaries
S. No
Particulars
12.1
Credit flow to Women
13. Credit flow to SC/STs
S. No
Particulars
13.1
Credit flow to SC/STs
14. Government Sponsored Schemes - Government of India
S. No
Particulars
14.1
14.2
14.3
14.4
14.5
14.6
14.7
National Rural Livelihood Mission (NRLM) Scheme
National Urban Livelihoods Mission (NULM) Scheme
Prime Ministers’ Employment Generation Programme (PMEGP)
Handloom Weavers
Dairy Entrepreneurship Development Scheme (DEDS) – Review
Agri-Clinics & Agri-Business Centers (ACABC)- Review of progress
DRI
15. Government Sponsored Schemes - Government of Andhra Pradesh
S. No
Particulars
15.1
15.2
15.3
15.4
15.5
15.6
15.7
15.8
15.9
15.10
15.11
15.12
Andhra Pradesh Micro Irrigation Project (APMIP)
Fisheries
Sericulture
A.P. Backward Classes Co. op. Finance Corporation
Federations of BC. Co. op. Societies under BC Welfare Department of GOAP
A.P. Scheduled Castes Co. op. Finance Corporation
A.P. State Christian (Minorities) Finance Corporation
A.P. Scheduled Tribes Co. op. Finance Corporation
A.P. State Minorities Finance Corporation
A.P. Disabled Welfare Department
Andhra Pradesh Food Processing Society, GoAP – Agri Processing / Food
Processing
Overdue position under Government sponsored schemes as on 30.09.2015
Convener:
Page
No.
56
Page
No.
57
Page
No.
59
60
61
62
64
64
65
Page
No.
66
68
68
69
69
70
70
70
70
71
71
72
5
SLBC of AP
192nd meeting of SLBC
Convener:
16. Position of MFI finance extended as on 30.09.2015
S. No
Particulars
16.1
Position of MFI finance extended as on 30.09.2015
17. Financial Inclusion
S. No
Particulars
17.1
17.1.1
17.1.2
17.1.3
17.1.4
17.1.5
17.1.6
17.2
17.2.1
17.2.2
17.2.3
17.2.4
17.2.5
17.2.6
17.2.7
17.2.8
17.2.9
17.3
17.3.1
17.3.2
17.3.3
Providing banking channels/services
Implementation of FIP in below 2000 population
Providing Banking Services in all Villages with above 2000 population
Branch Expansion – Progress in opening of bank branches
Online VIP reference Tracking Module with Banks / SLBC
Installation of ATMs
Opening of branches in Tribal Areas
National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan
Yojana(PMJDY)
Progress on Number of Accounts opened under PMJDY
Deployment of Bank Mithras
Providing Basic Banking Accounts with overdraft facility and Rupay Debit card &
Pass books to all households
Rupay Insurance Programme 2015-16
Progress report – Number of enrollments under Social Security Schemes
Progress under Suraksha Bandhan scheme
Capacity Building of Bank Mitra / Business Correspondents / Business Facilitators
Telecom Connectivity Issues
Minutes of VC Meeting with State Mission Directors and SLBC conveners of
States on 19.11.2015
Credit Plus activities
Financial Literacy Centers
Rural Self Employment Training Institutes
APSLBC Call centre
18. Lead Bank Scheme
S. No
Particulars
18.1
18.2
18.3
Implementation of High level Committee Recommendations
Conducting of Meetings under Lead Bank Scheme
Modified Information System under Lead Bank Scheme – Strengthening of
Management Information System (MIS)
Page
No.
73
Page
No.
73
73
74
74
75
75
76
78
78
78
79
80
80
81
81
81
82
82
82
84
86
Page
No.
87
87
88
6
SLBC of AP
18.4
18.5
18.6
18.7
192nd meeting of SLBC
Attendance in JMLBC/DLRC/DCC Meetings
Information to be submitted quarterly by Banks and LDMs
Communicating the Decisions taken at SLBC level to the branches by the
Controlling Authorities
Strengthening of the LDM’s Office
19. Overdue/NPA position
S. No
Particulars
19.1
Overdue/NPA position as on 30.09.2015 under various sectors
20. Regional Rural Banks
S. No
Particulars
20.1
Performance of Regional Rural Banks on Important Parameters
21. Other Items
S. No
Particulars
21.1
Progress of filing of Equitable Mortgage Records on CERSAI
22. Circulars Issued by RBI
S. No
Particulars
22.1
Reserve Bank of India circulars
23. Rural Self Employment Training Institute (RSETI) – Success Stories
S. No
Particulars
23.1
23.2
Success Story from ABRSETI - Srikakulam
Success Story from ABRSETI – Rajahmundry
24. Annexure
S. No
Particulars
1.
2.
3.
4.
Convener:
Bank wise Number of Branches as on 30.09.2015
Bank wise Deposits and Advances & CD Ratio as on 30.09.2015
District-wise Number of branches as on 30.09.2015
District-wise Deposits and Advances & CD Ratio as on 30.09.2015
88
88
88
89
Page
No.
90
Page
No.
92
Page
No.
94
Page
No.
95
Page
No.
96
98
Page
No.
99
101
103
104
7
SLBC of AP
192nd meeting of SLBC
Convener:
5.
6.
7.
8.
9.
Bank wise Priority Sector Advances as on 30.09.2015
District-wise Priority Sector Advances as on 30.09.2015
Bank wise Agriculture Advances as on 30.09.2015
Bank wise Achievement of Annual Credit Plan 2015-16 as on 30.09.2015
District-wise Achievement of Annual Credit Plan 2015-16 as on 30.09.2015
Bank-wise Micro Small and Medium Enterprises (MSME) advances under Priority
10.
Sector as on 30.09.2015
Bank-wise Total Micro Small and Medium Enterprises (MSME) advances as on
11.
30.09.2015
12. Bank wise Housing Loans as on 30.09.2015
13. Bank wise Education Loans as on 30.09.2015
105
107
108
110
113
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
125
127
129
131
133
135
137
139
157
158
159
160
162
164
173
177
30.
31.
32.
33.
34.
35.
Bank wise data on Export Credit 30.09.2015
Bank wise Advances to Minority Communities as on 30.09.2015
Bank wise Advances to Weaker Sections as on 30.09.2015
Bank wise Advances to SC /ST as on 30.09.2015
Bank wise Advances to Women as on 30.09.2015
Bank wise Advances under DRI as on 30.09.2015
Bank wise Outstanding SHG Advances as on 30.09.2015
Bank wise position on overdue/NPAs (sector wise) as on 30.09.2015
Bank wise Total Agriculture Advances as on 30.09.2015
Bank wise Total Housing Loans as on 30.09.2015
Bank wise Total Education Loans as on 30.09.2015
Disbursements under Education Loans as on 30.09.2015
Disbursements under Housing Loans as on 30.09.2015
FIP <2000 District wise and Bank-wise position- Annexure-B as on 30.09.2015
FIP – Quarterly progress report (LBS-V) as on 30.09.2015
Financial Literacy and Credit Counseling Centers (FLCCs) as on 30.09.2015
Report of conduct of Financial Literacy camps by Rural Branches for quarter ended
September,2015
Report of Financial Literacy activities conducted by FLCs for the quarter ended
September, 2015
Rural Self Employment Training Institutes(RSETIs) - Progress report as on
31.10.2015
Bank wise performance under JLG promotion for 2015-16 for the quarter ended
September,2015
Bank wise performance under pledge financing against NWRs for the quarter
ended September, 2015
Bank wise performance under SCC promotion for 2015-16 for the quarter ended
September, 2015
116
117
121
123
181
183
188
189
190
191
8
SLBC of AP
192nd meeting of SLBC
Convener:
36. District wise progress under APMIP as on 31.10.2015
37. District wise progress under Sericulture as on 30.09.2015
District wise statement of subsidy released under MM & RAY – AP BC Coop.
38.
Finance Corporation Ltd.,
39. District wise progress under 10 BC Cooperative Societies as on 31.10.2015
40. District wise progress under TRICOR as on 30.09.2015
41. Bank wise progress in filing of Equitable Mortgage records on CERSAI
42. Proceedings of the meetings conducted after 191st SLBC meeting
192
193
194
195
205
206
208
9
SLBC of AP
192nd meeting of SLBC
Convener:
AGENDA- 1
1.1 Adoption of the minutes of 191st SLBC meeting of AP held on 28.09.2015 & other meetings of
SLBC held after 28.09.2015
The minutes of 191st SLBC meeting held on September 28, 2015 were circulated to the members of
SLBC, LDMs and Government Departments concerned.
The minutes of Sub-committee meetings and Steering Committee meetings held after 28.09.2015
and up to 07.12.2015 were circulated to the members of SLBC, LDMs and Government Departments
concerned. Details of the meetings held are furnished hereunder.
Sl. No.
Name of the Meeting
st
1 191 Meeting of SLBC of AP (8th Meeting of Reorganized AP State)
Date of Meeting held
28.09.2015
2
4th Steering Committee Meeting of SLBC of AP 2015-16
06.10.2015
3
4
5th Steering Committee Meeting of SLBC of AP 2015-16
Small Group Meeting to discuss the Modalities of Annuity based
financing of Micro Irrigation Programme by banks
09.11.2015
07.12.2015
These minutes may be taken as approved by the house as no amendments/changes were received
by SLBC of Andhra Pradesh.
10
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 2
Banking Statistics
2.1 BANKING AT A GLANCE IN ANDHRA PRADESH As on 30.09.2015
(Amount in Crores)
Total Number of bank branches
Rural - 2603
Urban - 1818
Semi Urban - 1951
Metro
- 307
6679
Total Deposits in the State
Total Advances in the State
Credit Deposit Ratio (RBI norm -60%)
205815
220295
107.04
Total Priority Sector Advances
% of Priority Sector Advances to ANBC (RBI Norm 40%)
of which
Agricultural Advances
% of Agrl. Adv. to ANBC (RBI norm - 18%)
Of which
Small & Marginal Farmers
(RBI norm – 7% of ANBC)
Micro & Small Enterprises
(% to ANBC)
Out of which Micro Enterprises
(RBI norm – 7% of ANBC)
Medium Enterprises
Total MSME
(% to ANBC)
Export Credit
Education
Housing
Social Infrastructure
Renewable Energy
Others
Out of Total Priority Sector Advances, finance to:
156180
SHGs
Advances to Weaker Sections
(RBI norm - 10% of ANBC)
Advances to Women
(RBI norm -5% on NBC)
Advances to SC/ST
Advances to Minorities
(Norm 15% on priority sector)
72.37%
91415
(42.36%)
52520
(24.34%)
33885
(15.70%)
16208
(7.51%)
4149
38034
(17.62%)
904
3309
17986
122
56
4354
14695
52297
(24.23%)
38065
(17.64%)
9176
11476
(7.35%)
11
SLBC of AP
192nd meeting of SLBC
Convener:
2.2 BANKING KEY INDICATORS OF ANDHRA PRADESH
(Amount in crores)
S.
No
1.
PARTICULARS
As on
31.03.2013
As on
31.03.2014
As on
31.03.2015
As on
30.09.2015
Number of
Branches:
Rural
2,105
2,301
2,478
2,603
Semi Urban
1,627
1,785
1,999
1,951
Urban
1,527
1,655
1,766
1,818
Metro
198
239
297
307
5,457
5,980
6,540
6,679
Total
2.
Deposits
1,45,480
1,65,242
1,93,753
2,05,815
3.
Incremental
Deposits
(% of increase)
23,088
(18.86%)
19,762
(13.58%)
28,511
(17.25%)
12,062
(6.23%)
4.
Advances
1,69,710
2,01,201
2,15,797
2,20,295
Incremental
advances
(% of increase)
28,809
(20.45%)
31,491
(18.56%)
14,596
(7.25%)
4,498
(2.08%)
6.
C.D.Ratio
(RBI norm - 60%)
116.66%
121.76%
111.38%
107.04%
7
Incremental CD
Ratio
124.78%
159.35%
51.19%
37.29%
5.
12
192nd meeting of SLBC
SLBC of AP
Convener:
2.3 Comparative Statement of Banking Key Indicators:
PARTICULARS
As on
30.09.2014
As on
31.03.2015
As on
30.09.2015
Increase in No.
of branches over
Sept, 2014
Increase in No. of
branches over
March, 2015
Number of
Branches:
Rural
2,354
2,478
2,603
249
125
Semi Urban
1,877
1,999
1,951
74
---
Urban
1,694
1,766
1,818
124
52
Metro
275
297
307
32
10
6,200
6,540
6,679
479
139
Total
PARTICULARS
As on
30.09.2014
As on
31.03.2015
As on
30.09.2015
(Amount in crores)
% Increase over % Increase over
Sept, 2014
March, 2015
Deposits
1,73,379
1,93,753
2,05,815
18.71
6.23
Advances
2,08,008
2,15,797
2,20,295
5.91
2.08
Comparative statement of Banking Key Indicators as on 30.09.2014 vis-à-vis 30.09.2015 between Public
Sector vis-à-vis Private Sector, RRBs & Cooperative Banks:
Category
Rural
Semi Urban
Urban
Metro
Total
Branches
Deposits
Advances
Public Sector Banks
30.09.14
30.09.15
1382
1509
1324
1402
1189
1257
236
250
4131
4418
134525
153846
157549
159211
Pvt. Sector Banks
30.09.14
30.09.15
124
132
237
269
284
324
39
57
684
782
21085
27262
24215
34435
RRBs
30.09.14
701
190
104
0
995
30.09.15
776
172
131
0
1079
13353
16131
17763
15998
Co-op. Banks
30.09. 14
30.09.15
147
186
126
108
104
93
0
0
377
387
4412
9156
6281
8941
(Amount in crores)
Others (APSFC)
30.09. 14
30.09.15
0
0
0
0
13
13
0
0
13
13
4
1613
6
1710
13
192nd meeting of SLBC
SLBC of AP
Convener:
2.4 Statement of Priority Sector Advances (Outstanding)
(Amount in crores)
S.
No.
1
2
3.
Particulars
Short Term Production loans
Agrl. Term Loans
Total Agrl. Advances
% of Agrl. Advances to ANBC (RBI
norm- 18%)
Micro & Small Enterprises
4.
(% to ANBC )
Medium Enterprises (Classified as
Priority Sector w.e.f. 23.04.2015)
MSME Total
(% to ANBC)
Export Credit
5
(Classified as Priority Sector w.e.f.
23.04.2015)
Others’ under Priority Sector
6
Advances
(% to
ANBC)
Total Priority Sector Advances
% of Priority Sector Advances to ANBC
(RBI norm -40%)
As on
31.03.13
As on
31.03.14
As on
31.03.15
As on
30.09.15
50,343
28,573
78,916
59,105
28,507
87,612
65,353
30,244
95,597
64,131
27,284
91,415
56.01%
13,780
(9.78%)
51.62%
26,302
(15.50%)
47.51%
32,276
(16.04%)
42.36%
33,885
(15.70%)
NA
13,780
(9.78%)
NA
26,302
(15.50%)
NA
32,276
(16.04%)
4,149
38,034
(17.62%)
NA
NA
NA
904
25,713
(18.25%)
1,18,409
23,336
(13.75%)
1,37,250
23,609
(11.73%)
1,51,482
25,827
(11.97%)
1,56,180
84.04%
80.87%
75.29%
72.37%
NA: Not Applicable
14
192nd meeting of SLBC
SLBC of AP
Convener:
150000
100000
78916
87612
95597
91415
200000
118409
137250
151482
156180
250000
169710
201201
215797
220295
145480
165242
193753
205815
Banking Key Indicators (Figures in Crores)
50000
0
Deposits
Advances
Agriculture
169710
Priority Sector
Advances
118409
31.03.2013
145480
31.03.2014
31.03.2015
165242
201201
137250
87612
193753
215797
151482
95597
30.09.2015
205815
220295
156180
91415
78916
Priority Sector Advances as on 30.09.2015
Export Credit
1%
MSME
24%
Others
17%
Agriculture
58%
15
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 3
Annual Credit Plan 2015 – 16
3.1 Kharif Achievement under Agriculture
(Rs. in crores)
Sl. No
Item
Achievement
(Disbursements
during 01.04.15 to
30.09.2015)
Target
2015-16
1
Short Term Crop Production Loans
2
% of
Achievement
29,022
31,979
110.19
Agrl. Term Loans
6,919
7,422
107.27
Total Farm Credit
35,941
39,401
109.63
446
121
27.13
Agriculture Infrastructure
4
Ancillary Activities
1,238
736
59.45
Total Agriculture
37,625
40,258
106.99
37625
39401
35941
Target
Achievement
Short Term Agrl. Term Total Farm
Agrl.
Crop
Loans
Credit
Infrastruct
Production
ure
Loans
29022
6919
35941
446
31979
7422
39401
121
736
1238
121
446
7422
6919
31979
29022
Kharif Achievement under Agriculture
40258
3
Ancillary
Activities
Total
Agriculture
1238
37625
736
40258
16
192nd meeting of SLBC
SLBC of AP
Convener:
3.2 Achievement of Annual Credit Plan as on 30.09.2015
(Rs. in crores)
Sl. No
1
2
3
4
5
6
7
8
Item
Short Term Crop Production Loans
Khariff
Rabi
Total
Agrl.Term Loans
Khariff
Rabi
Total
Total Farm Credit
Khariff
Rabi
Total
Agriculture Infrastructure
Khariff
Rabi
Total
Ancillary Activities
Khariff
Rabi
Total
Khariff
Rabi
Total Agriculture
Micro, Small & Medium Enterprises
7
8
Export Credit
Education
Housing
Others under Priority Sector
including Social Infrastructure &
Renewable Energy
Total Priority Sector
Non Priority Sector
9
Total Credit Plan
6
Target
2015-16
Achievement
(Disbursements
during 01.04.15 to
30.09.2015)
% of
Achievement
29,022
19,045
48,067
31,979
31,979
110.19
66.53
6,919
6,919
13,838
7,422
7,422
107.27
53.63
35,941
25,964
61,905
39,401
39,401
109.63
63.65
446
446
892
121
121
27.13
13.57
1,238
1,237
2,475
37,625
27,647
65,272
736
736
40,258
40,258
59.45
29.74
106.99
61.68
16,960
11,642
68.64
2,027
5,163
5
451
1,727
22.25
33.45
7,498
1,408
18.78
96,920
28,828
55,491
20,969
57.25
72.74
1,25,748
76,460
60.80
Note: Sector-wise targets re-grouped as per the RBI Master Circular on Priority Sector guidelines
communicated vide RBI / 2015-16 / 53 dated July 1, 2015. However, there is no change in the
approved targets under broad sectors / Total Credit Plan 2015-16.
17
192nd meeting of SLBC
SLBC of AP
Convener:
Agricul
ture
MSME
Target
65272
Achievement
40258
76460
28828
20969
14688
3591
16960
11642
40258
55491
65272
96920
125748
Achievement of Annual Credit Plan 2015-16
upto 30.09.2015
16960
Other
Priority
Sector
14688
Total
Priority
Sector
96920
Non
Priority
Sector
28828
Total
Credit
Plan
125748
11642
3591
55491
20969
76460
18
192nd meeting of SLBC
SLBC of AP
Convener:
3.3 Share of Banks in Achievement of ACP 2015-16 up to 30.09.2015:
Share of Banks in ACP 2015-16 under “Short Term Crop Production” Achievement:
(Amount in crores)
Bank
Actual Achievement
% of Share
State Bank of India
8877.19
27.76%
Andhra Bank
4727.50
14.78%
Regional Rural Banks
4529.84
14.17%
A.P. State Co-op. Bank
3931.87
12.30%
Pvt. Sector Banks
2008.05
6.28%
Other Banks
7904.37
24.71%
31978.82
100.00%
Total
Other Banks
24.71%
Andhra Bank
14.78%
Andhra Bank
SBI
APCOB
Pvt. Sector Banks
6.28%
SBI 27.76%
RRBs
Pvt. Sector Banks
Other Banks
RRBs
14.17%
APCOB 12.30%
19
192nd meeting of SLBC
SLBC of AP
Convener:
Share of Banks in achievement of ACP 2015-16 under “Agricultural Term Loans including Allied
Activities, Agriculture Infrastructure & Ancillary activities” up to 30.09.2015:
(Amount in crores)
Bank
Actual Achievement
Andhra Bank
% of Share
1793.24
21.66%
State Bank of India
918.76
11.10%
Syndicate Bank
905.79
10.94%
Regional Rural Banks
1256.69
15.18%
Pvt. Sector Banks
1421.95
17.17%
Other Banks
1983.20
23.95%
8279.63
100.00%
Total
Other Banks
23.95%
Andhra Bank
21.66%
Andhra Bank
Syndicate Bank
SBI
Pvt. Sector Banks
17.17%
Syndicate Bank
10.94%
RRBs
Pvt. Sector Banks
Other Banks
SBI 11.10%
RRBs 15.18%
20
192nd meeting of SLBC
SLBC of AP
Convener:
Share of Banks in achievement of ACP 2015-16 under “Total Agriculture” up to 30.09.2015:
(Amount in crores)
Bank
Actual Achievement
% of Share
State Bank of India
9795.95
24.33%
Andhra Bank
6520.74
16.20%
APCOB
4132.97
10.27%
Regional Rural Banks
5786.53
14.37%
Pvt. Sector Banks
3430.00
8.52%
10592.26
26.31%
40258.45
100.00%
Other Banks
Total
Other Banks
26.31%
Andhra Bank
16.20%
Andhra Bank
APCOB
10.27%
APCOB
SBI
RRBs
Pvt. Sector Banks
8.52%
Pvt. Sector Banks
Other Banks
RRBs
14.37%
SBI
24.33%
21
192nd meeting of SLBC
SLBC of AP
Convener:
Share of Banks in achievement of ACP 2015-16 under “MSME” up to 30.09.2015:
(Amount in crores)
Bank
Actual Achievement
% of Share
Andhra Bank
4628.29
39.76%
Syndicate Bank
1251.07
10.75%
State Bank of India
565.26
4.86%
Kotak Mahindra Bank
636.72
5.47%
Regional Rural Banks
299.53
2.57%
Other Pvt. Sector Banks
1558.89
13.39%
Other Banks
2702.15
23.20%
11641.91
100.00%
Total
Other Banks
23.20%
Andhra Bank
Kotak Mahindra Bank
Andhra Bank
39.76%
Syndicate Bank
SBI
RRBs
Other Pvt. Sector
Banks 13.39%
Other Pvt. Sector Banks
Other Banks
RRBs 2.57%
SBI 4.86%
Syndicate
Bank 10.75%
Kotak Mahindra
Bank 5.47%
22
192nd meeting of SLBC
SLBC of AP
Convener:
Share of Banks in achievement of ACP 2015-16 under “Priority Sector” up to 30.09.2015:
(Amount in crores)
Bank
Actual Achievement
% of Share
Andhra Bank
11535.80
20.79%
State Bank of India
10964.13
19.76%
Syndicate Bank
3601.79
6.49%
Regional Rural Banks
6561.05
11.82%
Pvt. Sector Banks
5945.50
10.71%
16883.17
30.43%
55491.44
100.00%
Other Banks
Total
Other Banks
30.43%
Andhra Bank
20.79%
Andhra Bank
Syndicate Bank
Syndicate Bank
6.49%
SBI
RRBs
Pvt. Sector Banks
SBI 19.76%
Pvt. Sector Banks
10.71%
Other Banks
RRBs 11.82%
23
192nd meeting of SLBC
SLBC of AP
Convener:
3.4 Annual Credit Plan Achievement – Last Three years
(Amount in crores)
Sl.
No
Item
2012-13
2013-14
2014-15
Target Achvmt Target Achvmt Target Achvmt
2015-16 upto
30.09.2015
Target
Achvmt
1
Short Term
Production Loans
25504
36093
35549
37058
41978
29658
48067
31979
2
Agrl. Term Loans
incl. allied
activities
10150
13967
11468
12716
14041
10280
17205
8279
3
Total Agriculture
35654
50060
47017
49774
56019
39938
65272
40258
4
Non Farm Sector
/ Micro & Small
Entps
5593
6312
7000
9427
10850
14134
16960
11642
5
Others’ under
Priority Sector
including
Export Credit
12205
9198
12939
5527
11025
5582
14688
3591
53452
65570
66956
64728
77894
59654
96920
55491
Total Priority sector
24
192nd meeting of SLBC
SLBC of AP
Convener:
3.5 Comparative statement of Credit Disbursements (Y-o-Y):
Sl.
No.
1
2
Disbursements
during 01.04.2014
to 30.09.2014
Item
Short term Crop Production
Loans
Agriculture Term Loans
including Allied activities
Disbursements
during 01.04.2015
to 30.09.2015
% Increase
10,108
31,979
216.37
3,681
8,279
124.91
13,789
40,258
191.96
3
Total Agriculture
4
Non Farm Sector / MSME
7,645
11,642
52.28
5
Other Priority Sector including
Export Credit
2,449
3,591
46.63
6
Total Priority Sector
23,883
55,491
132.35
7
Non Priority Sector
13,638
20,969
53.75
8
Total Credit Plan
37,521
76,460
103.78
37521
20969
13638
55491
23883
13789
40258
76460
Credit Disbursements 1st half-year of 201516 vis-a-vis 1st half-year of 2014-15
Agriculture
Total Priority
Non Priority
30.09.2014
13789
23883
13638
Total Credit
Plan
37521
30.09.2015
40258
55491
20969
76460
25
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 4
Major Action Points of earlier SLBC / Steering Committee Meetings – ATR
Sl.
No.
4.1
Action Point
Action by
Action initiated/Status
GoAP
may
examine
the
recommendations of the committee
constituted for revisiting the LEC scheme
held on 12.08.2014
GoAP
The Chief Commissioner of Land
Administration,
revenue
Department,
GoAP
vide
Ref.No.LRC-I/152/2014
dated
18.04.2015 informed that the
four recommendations have
been examined with reference
to the A.P. Land Licensed
Cultivators Act & Rules 2011 and
proposals have been submitted
to the Government of Andhra
Pradesh for consideration and
necessary orders. The orders of
the Government are awaited.
1) The validity period of loan eligibility
cards may be enhanced to 3 years
from the existing one year –
appropriate proposals may be
submitted to Government for
necessary orders.
2) Submission
of
proposal
to
Government for creation of “Credit
Guarantee Fund” as a confidence
building measure to enable bankers
to extend crop loans liberally to all
the LEC holders. For this purpose the
bankers shall deduct premium from
crop loan amount sanctioned to the
LEC holders and convey the same to
the State Government after which the
State Government shall contribute
matching grant for the Corpus Fund
to be created. The modalities for
utilizing the fund by the bankers will
be worked out after a decision from
the Government regarding creation
of CGF is received.
3) High overdues under crop loans
sanctioned to LEC holders is one of
the reasons for poor progress in
sanction of loans, the bankers
suggested that a recovery mechanism
must be put in place by the
Government by constituting joint
26
SLBC of AP
4.2
192nd meeting of SLBC
teams of Revenue, Agriculture & SHG
members to assist the bankers in
recovery of loans from LEC holders.
4) To have a fixed Calendar schedule for
issue of loan eligibility cards in all
districts uniformly.
Allotment of site to RSETIs located at
Machilipatnam, Guntur, Chittoor and
Tirupathi.
GoAP
Convener:
Allotment of site to RSETIs for
construction of own building is
pending at Guntur, Chittoor and
Tirupathi. The allotment of site
to
RSETIs
located
at
Machilipatnam, Srikakulam and
Visakhapatnam is under process.
Issues Resolved
During
SLBC meeting of Andhra Pradesh,
Following 7 committees were constituted by
Hon’ble Chief minister of AP suggested
involving the top Government officials of the
formation of the sub-committees involving the
departments concerned, Senior Executives of
top Government officials of the departments
banks and experts in the respective fields to
concerned, Senior Executives of banks and
discuss and suggest measures for improving
experts in the respective fields
the economy of the state as per the resolution
a) To discuss and suggest measures to make the
taken in 5th Steering Committee meeting held
state as drought, dry spell, weather proof &
on 09.11.2015.
climate changes.
i. Agriculture, Horticulture & Sericulture
b) To review the implementation of Government
Development
sponsored programmes.
ii. Livestock & Fisheries Development
iii. Tenant Farmers & Suicides
iv. Government Sponsored Schemes
v. MSME development.
vi. Debt Redemption & Capital Infusion Schemes
of GoAP
vii. Financial Inclusion & Jandhan-AadhaarMobile (JAM).
191st
Recommendation/suggestions
of
the
committees will be presented in the SLBC
meeting scheduled on 16.12.2015.
27
SLBC of AP
192nd meeting of SLBC
Convener:
Issues Dropped
To establish second DRT in A.P State.
Since establishment of DRT rests with GoI, issue
will be taken up separately.
Notified places for creation of equitable It was given to understand that GoAP has sent a
mortgage by branches
proposal to GoI to relax business rules to
designate Department Heads for notifying the
places under Transfer of Property Act for
creation of equitable mortgage – reply awaited
Emu farming: NABARD is requested to permit the The Hon’ble High Court pronounced judgment
banks to adjust the backend subsidy to the credit on 12.10.2015 in the batch of Emu Farm cases,
of loan accounts before lock in period where the directing the Union Government of India to
units have become defunct owing to reasons consider the representations of the Emu Farm
beyond the control of the farmer.
growers preferably before 31.01.2016. The
interim directions granted pending disposal of
the Writ Petitions are directed to be continued
till 31.01.2016.
GoI directions are yet to be received.
28
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 5
Agriculture Sector
5.1 Progress in lending to Agriculture Sector
(Rs. in crores)
Sl. No
1
2
3
4
Item
Short Term Crop Production Loans
Khariff
Rabi
Total
Agrl.Term Loans
Khariff
Rabi
Total
Total Farm Credit
Khariff
Rabi
Total
Agriculture Infrastructure
Khariff
Rabi
Total
Ancillary Activities
Khariff
Rabi
Total
Khariff
Rabi
Total Agriculture
Target
2015-16
Achievement
(Disbursements
during 01.04.15 to
30.09.2015)
% of
Achievement
29,022
19,045
48,067
31,979
31,979
110.19
66.53
6,919
6,919
13,838
7,422
7,422
107.27
53.63
35,941
25,964
61,905
39,401
39,401
109.63
63.65
446
446
892
121
121
27.13
13.57
1,238
1,237
2,475
37,625
27,647
65,272
736
736
40,258
40,258
59.45
29.74
106.99
61.68
The performance of agriculture sector under ACP is 61.68% of the target for the year 2015-16 as
against 24.61% of the achievement for the corresponding half year of 2014-15.
29
192nd meeting of SLBC
SLBC of AP
Convener:
35000
40258
37625
35941
31979
40000
29022
45000
39401
Kharif Target vs Achievement under Agriculture lending
(Disbursements) (Figures in Crores)
30000
25000
736
5000
1238
446
10000
121
6919
15000
7422
20000
0
Target
Achievement
Short Term
Crop
Production
29022
Agrl. Term
Loans
Total farm
Credit
Ancillary
Activities
Total
Agriculture
35941
Agrl.
Infrastruct
ure
446
6919
31979
7422
1238
37625
39401
121
736
40258
40000
39401
40258
61905
31979
50000
48067
70000
60000
65272
Achievement of Annual Credit Plan 2015-16 as on
30.09.2015 under Agriculture
0
Target
Achievement
736
2475
892
10000
121
20000
7422
13838
30000
Short
Term crop
Production
Loans
48067
Agrl. Term
Loans
Total Farm
Credit
Agrl.
Infrastruct
ure
Ancillary
Activities
Total
Agriculture
13838
61905
892
2475
65272
31979
7422
39401
121
736
40258
30
SLBC of AP
192nd meeting of SLBC
Convener:
5.2 Union Budget - 2015-16 – Interest Subvention Scheme for Short term Crop Loans during the
year 2015-16 - RBI circular No.RBI/2015-16/152 FIDD.No.FSD.BC.59/05.04.02/2015-16, dated
August 13, 2015.
Government of India has approved the implementation of the Interest Subvention scheme for the
year 2015-16 for short term loans upto Rs.3 lakh with the following stipulations.
i)
Interest subvention @ 2% per annum will be made available to the Public Sector Banks (PSBs)
and the Private Sector Scheduled Commercial Banks (in respect of loans given by their rural and
semi-urban branches) on their own funds used for short-term crop loans up to Rs.3,00,000/- (Rs.
three lakhs) per farmer provided the lending institutions make available short term credit at the
ground level at 7% per annum to the farmers. This 2% interest subvention will be calculated on
the crop loan amount from the date of its disbursement/drawal up to the date of actual
repayment of the crop loan by the farmer or up to the due date of the loan fixed by the banks
whichever is earlier, subject to a maximum period of one year.
ii)
Additional interest subvention @3% per annum will be available to the farmers repaying the
loan promptly from the date of disbursement of the crop loan up to the actual date of
repayment or up to the due date fixed by the bank for repayment of crop loan, whichever is
earlier, subject to a maximum period of one year from the date of disbursement. This also
implies that the farmers paying promptly would get short term crop loans @4% per annum
during the year 2015-16. This benefit would not accrue to those farmers who repay after one
year of availing of such loans.
iii) In order to discourage distress sale by farmers and to encourage them to store their produce in
warehouses against warehouse receipts, the benefit of interest subvention will be available to
small and marginal farmers having Kisan Credit Card for a further period of up to six months
post-harvest on the same rate as available to crop loan against negotiable warehouse receipt for
keeping their produce in warehouses.
iv) To provide relief to farmers affected by natural calamities, the interest subvention of 2% will
continue to be available to banks for the first year on the restructured amount. Such
restructured loans may attract normal rate of interest from the second year onwards as per the
policy laid down by the RBI
Banks may give adequate publicity to the above scheme so that the farmers can avail of the benefits.
RBI advised all banks to strengthen their credit appraisal and post-disbursement systems /
procedures to ensure that the funds released by the Government of India under the Interest
Subvention scheme are being used for short term production credit.
31
SLBC of AP
192nd meeting of SLBC
Convener:
5.3 Progress in lending to LEC holders
Department of Agriculture, GoAP, proposed target of financing 16.25 lakhs (8,45,069 Renewals &
7,79,931 Fresh) LEC holders during the current financial year 2015-16.
As per the information available with SLBC, the finance extended to LEC holders as on 20.11.2015 is
as follows:
(Rs. in crores)
Sl.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
No. of LECs issued
No. of Licensed Cultivators
Sanctioned Crop Loans
District
Renewal of old LECs
Srikakulam
Vizianagaram
Visakhapatnam
East Godavari
West Godavari
Krishna
Guntur
Prakasam
Nellore
Kurnool
Anantapur
Kadapa
Chittoor
Total
8221
10830
5043
84288
110650
6110
8206
13996
12740
12282
417
4299
2475
279557
Fresh
7646
4997
9921
16833
112603
13603
8450
0
2879
10179
10143
1839
2961
202054
Total
Number
Amount
15867
670
2.01
15827
707
0.82
14964
1498
2.91
101121
39887
81.84
223253
23067
43.93
19713
1024
2.94
16656
653
3.26
13996
689
2.28
15619
202
1.05
22461
10
0.07
10560
650
1.99
6138
715
2.12
5436
241
1.66
481611
70013
146.88
(Source: Agriculture Department, GoAP)
As per the information given by the banks, the overdues are mounting up in LEC portfolio. GoAP is
requested to implement the recommendations of the committee on LEC mentioned in the action
taken report of this agenda.
5.4 Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2015-16:
NABARD vide Ref No. NB./HYD/APRO/2091/SHGs/JLGs-Linkage/2015-16 dated June 25, 2015
informed that the allocation of target for financing joint farming groups (JLGs) bank wise for the year
2015-16 has been worked out for the rural branches in Andhra Pradesh State.
NABARD requested SLBC to furnish the performance at monthly intervals from all the participating
banks.
Department of Financial Services (CP Section), MoF, GoI vide Lr. No. F.No. 3/7/2014-CP dated
30.10.2014 advised SLBC to monitor the progress of the scheme and ensure that the target of the
State are achieved well in time.
32
192nd meeting of SLBC
SLBC of AP
Convener:
Performance for JLG promotion for 2015-16 up to September, 2015 in the state of Andhra Pradesh
Sr.
No.
1
2
3
4
Name of the Bank
Public Sector Banks
Private Sector Banks
Cooperative Banks
RRBs
Grand Total
Target @
15 JLGs per
rural
branches
20070
1755
5775
10605
38205
JLGs formed
& financed
as on
31.03.2015
23154
2
2076
7414
32646
No. of JLGs
No. of New JLGs
received repeat
formed &
finance during financed during
2015-16
2015-16
991
1103
0
0
78
419
1935
1905
3004
3427
Total JLGs
financed
during
2015-16
2094
0
497
3840
6431
(The figures are indicative as the data has not been received from all member banks)
Bank wise performance under JLG promotion for 2015-16 for the quarter ended September, 2015 is
placed as Annexure No.33.
Banks are requested to furnish the data to SLBC at monthly intervals and also ensure achieving the
set targets under the scheme.
5.5 Pledge financing against Negotiable Warehouse Receipts (NWRs):
RBI has advised the banks to furnish quarterly data (district wise) on pledge financing against
Negotiable Warehouse Receipts (NWRs) to farmers within 20 days from the end of each quarter
from September, 2015 onwards.
Pledge financing against NWRs in the state of Andhra Pradesh for the quarter ended September,
2015
Sr.
No.
1
2
3
4
Name of the Bank
Public Sector Banks
Private Sector Banks
Cooperative Banks
RRBs
Grand Total
Disbursements during the
Outstanding as at end of quarter
quarter
No. of
Amount
No. of
Amount
Accounts
(thousands)
Accounts
(thousands)
106
113720
4899
2201380
54
57546
1078
661276
0
0
0
0
19
4438
164
63824
179
175704
6141
2926480
(The figures are indicative as the data has not been received from all member banks)
Bank wise performance under pledge financing against NWRs for the quarter ended September,
2015 is placed as Annexure No.34.
33
SLBC of AP
192nd meeting of SLBC
Convener:
5.6 Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans:
CEO, Rythu Sadhikara Samstha during 5th Steering committee meeting of SLBC of AP informed that
the issue of segregation of the claims of debt redemption with that of VLR/Pavala Vaddi claims to
avoid duplication was resolved with the support of SLBC & NIC and clarified that as and when
bankers provide the clarification on branch codes & account numbers, Government will pass on the
claim amount under VLR to respective banks.
Hence, Government is requested to reimburse the pending claims under Vaddi Leni Runalu / Pavala
Vaddi for the financial years 2013-14 & 2014-15.
Further, Government is requested to keep the funds with major / nodal banks in the state as
upfront under the scheme.
5.7 Agriculture Debt Redemption Scheme of GoAP – Submission of UCs & refund of unspent
amount:
All banks are requested to accord priority and submit the Utilisation Certificate to Rythu Sadhikara
Samstha, GoAP in respect of amounts released by GoAP under different phases under Debt
Redemption Scheme of GoAP and refund the unutilized amount by crediting the same to the
account of the Rythu Sadhikara Samstha, GoAP as per the following details:
Account No.: 110311100000894
Bank/ Branch: Andhra Bank, Secretariat Branch
IFS Code: ANDB0001103
Controlling authorities of all banks are requested to sensitize the branches to expedite the process
of renewals where Debt Redemption amount exceeding Rs. 50,000/-.
5.8 Debt Redemption to Horticulture Crops – Status Report on completion of uploading of data:
Horticulture department is required to submit detailed scheme to obtain sanction and release of
funds to the Rythu Saadhikaara Samstha for implementation of Debt Redemption scheme for the
farmers of Horticulture crops.
Hence, Controlling authorities of all banks are requested to initiate necessary steps to complete the
process of uploading the data and furnish the confirmation to SLBC so that Department of
Horticulture may initiate the process.
Further, banks shall have to ensure that the loan accounts which were already uploaded under Debt
Redemption scheme earlier and received redemption amounts should not be duplicated.
34
SLBC of AP
192nd meeting of SLBC
Convener:
5.9 Loan Charge Creation Module – Web site hosted:
CCLA requested the financial institutions who are involved in lending the loans on the lands to enter
mandatorily of all prospective loan details from 20th May 2015 onwards in the Loan charge creation
module. With respect to old loans the data entry must be completed in next one month i.e., by 20th
June 2015.
Controlling authorities of all banks are requested to issue suitable instructions to the branches under
their control.
Banks may examine the feasibility of integrating their CBS modules with loan charge creation
module to ensure charge creation on real time basis, avoiding manual entry.
It is observed that computerized Adangals / 1B records are not generated for many villages in
Srikakulam and Vijayanagaram districts.
Branches and farmers are facing difficulty in
sanction/renewal of crop production loans.
Hence, Government is requested to issue necessary instructions to the field level revenue authorities
for updating of web land portal immediately. In the mean time the Government may evolve an
alternative system to tide over the crisis.
5.10
Crop Insurance Schemes – Rabi 2015-16:
SLBC has communicated the notification received from the Department of Agriculture, GoAP to all
banks for implementation of following crop insurance schemes for Rabi 2015-16 as per the GOs
detailed hereunder.
Name of the Crop Insurance Scheme
NAIS
WBCIS
Details of G.O
G.O.Rt.No.803 dated 16.11.2015
G.O.Rt.No.804 dated 16.11.2015
All controlling authorities of banks & LDMs are requested to advise the branches to implement the
crop insurance scheme in strict compliance.
Department of Agriculture, GoAP vide letter no. Crop Ins (2) 116/2015 dated 25.11.2015 requested
the bank branches to accept proposals from Non-Loanee farmers whenever they voluntarily come
forward for enrollment under Crop Insurance scheme.
All controlling authorities of banks & LDMs are requested to issue suitable instructions to the
branches to accept the proposals from Non-Loanee farmers for Rabi 2015-16 under NAIS as per the
operational guidelines of the scheme, duly following the cut off dates stipulated for each crop.
35
SLBC of AP
5.11
192nd meeting of SLBC
Convener:
Relief Measures in the Districts affected by Drought:
Government of Andhra Pradesh has issued G.O.Ms.No.7, dated 27.10.2015 by Revenue (DM.II)
Department, GoAP, wherein it is informed that Government of AP has declared 196 mandals in
Ananthapuram, YSR Kadapa, Kurnool, Chittoor, Prakasam, SPSR Nellore and Srikakulam districts as
affected due to Drought in the state during South West Monsoon 2015.
Further, Government of Andhra Pradesh has issued G.O.Ms.No.12, dated 21.11.2015 by Revenue
(DM.II) Department, GoAP, wherein it is informed that Government of AP has declared additional
163 mandals in Prkasam, Guntur, Ananthapuram, Nellore, YSR Kadapa, Chittoor, Krishna, Srikakulam
& Vizianagaram districts as affected due to Drought in the state during South West Monsoon 2015.
Controlling authorities of all banks are requested to give suitable instructions to branches located in
these districts for taking up relief measures in the affected mandals as per extant guidelines of
Reserve Bank of India on Natural calamities communicated vide master circular dated 01.07.2015 &
21.08.2015.
5.12
Fisheries Policy of Andhra Pradesh 2015-16:
Animal Husbandry, Dairy Development & Fisheries (Fish) Department, GoAP vide G.O.Ms.No.30
dated 31.10.2015 informed that under the Fisheries Policy 2015-2020, the Government approved
the following fiscal benefits covering the categories of (a) Processing Units (b) Aquaculture
Pond/ Farm (c ) Feed Manufacturing Units/Fishery related Equipments Manufacturing (d)
Aqua Labs/ Disease Diagnostic Labs Promotion.
a. Processing Units
 For shrimp processing units including cold chain maintenance, Capital subsidy of
50% inclusive of land cost with upper ceiling limit of Rs.5 crores, will be provided. The cost
of land should not exceed 15% of the total project cost on sub–registrar value.
 For fish processing / filleting units including cold chain, land cost etc., subsidy of 50%
with upper ceiling limit of Rs.7 crores will be provided. The cost of land should not
exceed 15% of the total project cost on sub–registrar date.
 Interest subvention of 6% will be provided on bank loan subject to maximum of
Rs.2.5 Crores for 5 year period to aqua processing units, ice plants and cold storages.
 Reefer vans: For purchase of Reefer vans, a subsidy of 50% with maximum of Rs.10.00
Lakhs per vehicle will be provided from 2016-17 onwards.
 Cold storage at ports/ Fishing harbours with subsidy will be permitted on par with
industrial policy.
 Aquaculture processing units will be incentivized by providing 100% stamp duty exemption
in land registration/lease of land/, mortgage deed/Bank documentation/ Hypothecation
etc.
36
SLBC of AP
192nd meeting of SLBC
Convener:
 Power subsidy will also be permitted to fish/prawn/shrimp processing unit and ice plants
from the date of commencement of commercial production and will be o n par with
industrial policy from 2016-17.
b. Aquaculture Pond / Farms
 Financial assistance will be extended for farm mechanization like pumps and aerators
with 50% subsidy. Solar pumps, solar lights and solar based aerators will be given on
60% subsidy to the prawn and shrimp farms up to maximum of 2 ha per farmer per
annum.
 Scale of finance by banks will be as per reasonable requirement for pond culture.
 All subsidy schemes of Government of India / Government of Andhra Pradesh / NFDB /
MPEDA will also be accessed appropriately.
 Power will be supplied to Shrimp and Prawn culture farms at Rs.3.75 ps/ unit for a
maximum of 2 hectares per aqua-farmers / shrimp farmers from the year 2016-17.
c. Feed Manufacturing units / fishery related Equipment Manufacturing
 Incentives will be provided to feed manufacturing units, aerator manufacturing, fish
processing equipment on par with industrial policy.
 Interest subvention of 6% per annum up to a maximum of Rs.2.00 crores will be
provided to the Fish Feed Manufacturing units only for Five Years. This policy will be
reviewed after one year.
d. Aqua labs / Disease diagnostic labs Promotion
 All private labs in the State will be graded under technical supervision of State
Institute of Fisheries technology (SIFT), Kakinada. SIFT will act as State referral lab for
all private labs. The technicians of these labs will be continuously monitored to upgrade
their skills as per the technical requirements of Aquaculture sector.
 Water and soil analysis labs will be promoted in all major aquaculture districts for
conducive water management. One lab for every 500 ha area is proposed with a unit cost
of maximum of Rs.10.00 lakhs. The financial assistance of 50% on the unit cost will be
extended by Government and the balance of 50% to be borne by the concerned
entrepreneur/ stakeholder.
 Quality control / Antibiotic residue testing labs will be promoted through private sector
in the districts of East Godavari, Krishna and Prakasam to overcome the problem of
rejection of exported shrimp due to presence of antibiotic residues. The unit cost of the
lab will be Rs.2.00 crores of which the Government assistance will be 40%.
All banks are requested to extend necessary finance to fisheries sector utilizing the benefits under
the policy.
37
SLBC of AP
192nd meeting of SLBC
Convener:
5.13 Climate Change and its effects:
The Globe has been witnessing climate change and its effects to a large extent over the past few
years. The rising temperatures and the change in pattern and period of seasons and its impact on
day to day life are also being witnessed by the world populace.
Effective measures need to be initiated for large scale afforestation and use of alternative sources of
energy especially Solar and Wind energy. Poly House, Green House cultivation, use of Sprinkler and
Drip Irrigation systems etc. should be encouraged in a big way which will not only help in effective
utilization of the natural resources but also limit the damage in case of natural calamities.
In this backdrop, SLBC has requested NABARD to make a presentation on the subject for the benefit
of the forum.
38
192nd meeting of SLBC
SLBC of AP
5.14
Convener:
Overdues/NPAs under Agriculture Sector as on 30.09.2015:
(Amt. Rs In crores)
Outstanding
Sector
No. of
a/cs
Short Term Crop
Production
Advances
Agril. Term Loans
Including
Agril.
Allied Activities
Non – Performing
Assets
Overdue
No. of
Amount overdue
accounts
Total balance
in overdue
accounts
Actual
overdue
amount
No. of
accounts
Amount
8678150
64131
2457997
17108
17108
526691
3238
1780666
24146
564038
6372
3122
271899
2069
10458816
88277
3022035
23480
20230
798590
5307
Agrl. Infrastructure
3058
523
1191
157
76
533
55
Ancillary Activities
30253
2615
1668
429
139
582
92
10492127
91415
3024894
24066
20445
799705
5454
Total Farm Credit
Total
Agriculture
Advances
(The figures are indicative as the data has not been received from all member banks)
Short Term Agriculture Crop Production Loans:
The total outstanding balance in overdue accounts (PNPA) is Rs.17,108 crores which is 26.68% and
NPA is 5.05% to total outstandings and NPA in real terms it is Rs.3,238 crores.
Agriculture Term Loans Including Allied Activities:
The total outstanding balance in overdue accounts (PNPA) is Rs.6,372 crores which is 26.39% and
NPA is 8.57% to total outstandings and NPA in real terms it is Rs.2,069 crores.
Total farm Credit:
The total outstanding balance in overdue accounts (PNPA) is Rs.23,480 crores which is 26.60% and
NPA is 6.01% to total outstandings and NPA in real terms it is Rs.5,307 crores.
Agriculture Infrastructure:
The total outstanding balance in overdue accounts (PNPA) is Rs.157 crores which is 30.02% and
NPA is 10.52% to total outstandings and NPA in real terms it is Rs.55 crores.
Ancillary Activities:
The total outstanding balance in overdue accounts (PNPA) is Rs.429 crores which is 16.41% and
NPA is 3.52 % to total outstandings and in real terms it is Rs.92 crores.
39
192nd meeting of SLBC
SLBC of AP
Convener:
Total agriculture Advances:
The total outstanding balance in overdue accounts (PNPA) is Rs.24,066 crores which is 26.33% and
NPA is 5.97 % to total outstandings and in real terms it is Rs.5,454 crores.
SLBC has been requesting GoAP to create machinery in the Agriculture department to help the Banks
in recovery of chronic dues in Agricultural sector. This will help in better recycling of funds and
increased credit flow to agricultural sector.
Comparative statement of NPAs under Agriculture (Y-o-Y):
(Amount in crores)
Sector
September, 2014 September, 2015
Variance
Short Term Crop
Production Loans
3536
3238
(-)298
Agril. Term Loans
including Agril
Allied Activities
2275
2216
(-)59
Total
5811
5454
(-)357
Agriculture
Infrastructure
1%
NPA Position as on 30.09.2015 under
Agriculture Sector
Ancillary Activities
2%
Agrl. Term Loans
Including Allied
Activities
38%
Short Term
Production Loans
59%
40
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 6
Micro, Small & Medium Enterprises (MSME) Sector
6.1 Position of lending under MSME sector
(Amt. Rs. In Crores)
Particulars
Micro
Enterprises
Small
Enterprises
Total MSE
%of Micro
enterprises
to total
MSE
Medium
Enterprises
Total MSME
Outstanding as
on 31.03.2013
Outstanding as
on 31.03.2014
Outstanding as
on 31.03.2015
Outstanding as
on 30.09.2014
Outstanding as
on 30.09.2015
A/cs.
A/cs.
A/cs.
A/cs.
Amt.
A/cs.
Amt.
Amt.
Amt.
Amt.
414590
4834
430786
11929
603782
14999
518495
12559
689122
16208
87031
8946
129186
14373
98698
17277
128162
15275
133983
17677
501621
13780
559972
26302
702480
32276
646657
27834
823105
33885
82.65%
35.07%
76.93%
45.35%
85.95%
46.47%
80.18%
45.12%
83.72%
47.83%
82988
7875
80688
5432
88207
4378
77773
3550
84294**
4149**
584609
21655
640660
31734
790687
36654
724430
31384
907399
38034
** accounts & amount classified under Priority Sector w.e.f. 23.04.2015 in accordance with revised
Priority Sector guidelines.
PM Task Force –Recommendations
Banks are advised to achieve a 20 per cent year-on-year growth in credit to
micro and small enterprises (September, 2014 to September, 2015)
10 per cent annual growth in the number of micro enterprise accounts
(September, 2014 to September, 2015)
60 per cent of MSE advances should go to the micro enterprises.
Allocation of 60% of the MSE advances to the micro enterprises is to be
achieved on continuous basis.
Norm %
Actual %
20
21.74
10
32.91
60
47.83
41
192nd meeting of SLBC
SLBC of AP
Convener:
4016
38034
36654
4149
17677
17277
15531
10000
4378
15000
14999
20000
11786
25000
16208
30000
31333
27317
35000
33885
40000
32276
Position of Lending under MSME (Figures in crores)
5000
0
Micro
Small
Total MSE
Medium
30.06.2014
11786
15531
27317
4016
Total
MSME
31333
31.03.2015
14999
17277
32276
4378
36654
30.09.2015
16208
17677
33885
4149
38034
6.2 Start-up India Programme:
Reserve Bank of India vide letter FIDD.MSME & NFS.No. /06.02.31/2015-16 dated October 19, 2015
informed that Hon’ble Prime Minister of India had launched ‘Start up India’ programme, in his
Independence Day address to the nation, which envisages as under:
“There are 1.25 lakh branches of banks in the country and every branch must resolve and in the days
to come resolve once again to disburse loans for start-ups to the tribals in the locality where there is
any tribal habitation, and where there is no tribal habitation, the branch can provide the loans to a
dalit or a tribal, give financial support to them and thus 1.25 lakhs dalit entrepreneurs to come up.
Let there be tribal entrepreneurs in the tribal settlement of this country. We can do this, we can give
them new dimensions to start up and secondly these 1.25 lakh branches can formulate a special
scheme for women entrepreneurs”.
Banks were advised to take appropriate action to implement the directions of the Hon’ble Prime
Minister for extending credit to tribal / dalit / women entrepreneurs through each of their branches.
RBI, Regional Office, Andhra Pradesh has advised SLBC to collect the information on monthly basis by
the end of 1st week of the succeeding month. Further, RBI advised SLBC to monitor the progress in
Start-Up India programme in every SLBC meetings. Hence, all controllers are requested to furnish the
progress on monthly basis by the end of the 1st week of the succeeding month.
42
192nd meeting of SLBC
SLBC of AP
Convener:
6.3 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme- Progress
made by banks for the last three years and achievement for 2015-16 in Andhra Pradesh state.
S. No
02
03
04
05
As on
Proposals covered during the year
No. of A/cs.
Amount (in Crs.)
31.03.2013
15891
342.30
31.03.2014
10245
291.97
31.03.2015
9428
358.50
01.04.2015 to 30.09.2015
6288
183.23
Commissioner of Industries requested E.C/SLIIC to suggest target of 12000 units to be covered under
the scheme for the year 2015-16.
During 40th E.C and 105th SLIIC meeting of MSME held on July 28, 2015 at RBI, GM, FIDD stated that
in terms of a study conducted, intern knowledge gap was observed amongst the entrepreneurs and
the banks and emphasized on the need to create more awareness on CGTMSE.
Controllers of the banks are advised to
 Sensitize the branch Managers to extend coverage of all new eligible micro & small units under
the scheme
 Display at bank branches on the availability of Collateral free loans
 All loan applications are to be acknowledged
 Banks shall have monitorable action plan as suggested by RBI.
The performance on coverage under the scheme is 6288 units as on 30.09.2015 as against the
suggested target of 12000 units per annum with an achievement of 52.4%.
All banks are advised to ensure that all new eligible micro & small units should be covered in the
scheme and achieve the set targets for the year 2015-16.
6.4 Specialized MSME Branches in the State of Andhra Pradesh:
SLBC received information from Banks that 107 specialized MSME Branches are operating in the
State. Banks may explore the possibility of opening more specialized MSME Branches.
6.5 Entrepreneurial Sensitivity:
Reserve Bank of India vide letter FIDD.CO.LBS.No.10120/02.20.005/2014-15 dated May 19, 2015
advised that banks may strive for improving ‘Entrepreneurial Sensitivity’ amongst the branch officials
for giving intended thrust to the MSME sector in view of ‘Make in India’ campaign initiated by
Government of India.
All controllers of banks are advised to take note of the RBI suggestion and initiate necessary steps in
this direction.
43
SLBC of AP
192nd meeting of SLBC
Convener:
6.6 Rehabilitation of Sick Micro and Small Enterprises: The feedback received by Reserve Bank of
India at various fora on MSEs and analysis shows that the identification of sickness in MSE
enterprises is so late that the possibilities of revival recede. This necessitates a need for change in
the definition of sickness in order to remove the delay factor.
The emphasis of the revised guidelines is to hasten the process of identification of a unit as sick,
early detection of incipient sickness, and to lay down a procedure to be adopted by banks before
declaring a unit as unviable. Accordingly, the revised guidelines are issued for rehabilitation of sick
units in the MSE sector as given in Annex.1 of RBI Cir.RBI/2012-13/273, RPCD.CO.MSME &
NFS.BC.40/06.02.31/2012-2013, dated November 1, 2012.
The important changes brought out in the guidelines based on the recommendation of the working
group vis-à-vis the existing guidelines on rehabilitation of sick MSE units are furnished in Annex –II of
the above circular for ready reference.
RBI emphasizes that timely and adequate assistance to potentially viable MSE units which have
already become sick or are likely to become sick is of utmost importance not only from the point of
view of the financing banks but also for the improvement of the national economy, in view of the
sector`s contribution to the overall industrial production, exports and employment generation.
The banks should therefore, take a sympathetic attitude and strive for rehabilitation, in respect of
units in the MSE sector, particularly wherever the sickness is on account of circumstances beyond
the control of the entrepreneurs. However, in cases of units, which are not capable of revival, banks
should make efforts for a settlement and/or resort to other recovery measures, expeditiously.
6.7 Review of revival of Sick MSE units at District Level:
RBI has advised banks to furnish the following information to enable an appropriate environment for
monitoring timely credit needs of MSMEs
a. The District wise credit flow as well as NPA data to MSE sector.
b. The banks efforts in nursing and rehabilitation of sick units in the district.
RBI also advised that these issues are to be taken up in the DCC/DLRC meetings hereafter and
developments may be reported by banks to RBI in time. RBI stated that the guidelines on
rehabilitation of sick units should be followed strictly by banks and the efforts should be made by
banks to rehabilitate incipient sick and potentially viable units.
Director of Industries, GoAP informed that the department is proposing to link these issues with the
incentive programmes to inhibit the level of NPAs and these issues should be discussed in DCC/DLRC
meetings by the respective LDOs and LDMs.
44
192nd meeting of SLBC
SLBC of AP
Convener:
Hence, all Lead District Managers are advised to take note of the same and ensure that these issues
are discussed in DCC/DLRC meetings.
6.8 Roll out of Pradhan Mantri MUDRA Yojana (PMMY):
Department of Financial Services (CP/RRB Division), Ministry of Finance, Government of India dated
14.05.2015 informed that Pradhan Mantri MUDRA Yojana was launched to ‘fund the unfunded’ by
bringing enterprises (who are in the business of lending to smaller of the micro enterprises in
manufacturing, trading and service sector) to the formal financial system and extending affordable
credit to them.
This segment mainly consists of non-farm enterprises in manufacturing, trading and services whose
credit needs are below Rs.10.00 lakh. It has been now decided that the loans to be given to this
segment for income generation will be known as MUDRA loans under Pradhan Mantri MUDRA
Yojana (PMMY) and branded accordingly. The overdraft amount of Rs.5,000 sanctioned under
PMJDY may also be classified as MUDRA loans under PMMY.
It is informed that Loans up to Rs.50,000 be named as ‘Shishu’, Loans from Rs.50,001 to Rs.5.00 lakh
as ‘Kishore’ and Loans from Rs.5.00 to Rs.10.00 lakh as ‘Tarun’.
Controlling authorities of all banks are requested to report the monthly progress of such advances to
SLBC, MUDRA and DFS (CP/RRB Division) on a regular basis.
Progress under Pradhan Mantri MUDRA Yojana up to 30.11.2015 in the state of Andhra Pradesh
(Rs. in crores)
Name of the
Bank
SBI
and
Associates
Public
Sector
Commercial
Banks
Pvt.
Sector
Commercial
Banks
Foreign Banks
RRBs
Co-Op. Banks
Total
Total Loan
Amount
Target
2015-16
Shishu
(Loans upto
Rs.50,000)
No. of
A/cs
Disb.
Amt
Kishore
(Loans from
Rs.50,001 to Rs.5.00
Lakhs)
No. of
Dis. Amt
A/cs
Tarun
(Loans from
Rs.5.00 to Rs.10.00
lakhs)
No. of
Dis. Amt
A/cs
Total
No. of
A/cs
Dis.
Amt
992.25
41661
49.30
4624
91.00
1256
100.70
47541
241.00
4507.39
262779
455.49
60564
982.82
4098
297.52
327441
1735.83
482.19
11119
0
48995
0
364554
45.33
0
132.45
0
682.57
6564
0
22818
0
94570
101.45
0
658.61
0
1833.88
1178
1
137
0
6670
82.63
0.10
11.65
0
492.60
18861
1
71950
0
465794
229.41
0.10
802.71
0
3009.05
3027.50
3.35
9012.68
All banks are requested to achieve the set targets for the year 2015-16.
Loan application formats are available in SLBC website; www.slbcap.nic.in .
45
192nd meeting of SLBC
SLBC of AP
Convener:
6.9 Swarojgar Credit Card (SCC) Scheme – Targets for 2015-16:
NABARD vide Lr.No.NB.APRO/HYD/1823/OFDD/SCC1/2015-16 dated 16.06.2015 informed that a
target of 20,000 cards has been fixed for the state of Andhra Pradesh for the year 2015-16 under
Swarojgar Credit Card (SCC) scheme. Out of the total target of 20,000, NABARD has allocated the
target of 6000 for Cooperative Banks & 4000 for Regional Rural Banks. The targets allocated for
commercial banks for the year 2015-16 bank wise & district wise were already been communicated
by SLBC vide Lr.No.666/30/122/175 dated June 18, 2015.
Further, NABARD would like to monitor the progress in the implementation of the SCC scheme.
Hence, banks are requested to submit the quarterly progress report to Regional Office, NABARD,
Hyderabad, with a copy marked to SLBC to review in the SLBC meetings.
Performance for SCC promotion for 2015-16 up to September, 2015 in the state of Andhra Pradesh
Sr.
No.
1
2
3
4
Name of the
Bank
Public
Sector Banks
Private
Sector Banks
Cooperative
Banks
RRBs
Grand Total
Total No.
of SCCs
issued
during the
Quarter
Total No.
of SCCs
issued till
the end of
the
Quarter
Credit Limits Sanctioned
during the Quarter
Term
Loan
Cash
Credit
Total
(Amount in Lakhs)
Credit Limits Sanctioned till
the end of the Quarter
Term
Loan
Cash
Credit
Total
13
19.50
9.70
29.20
52
26.30
23.20
49.50
0
0
0
0
10
0
24.50
24.50
0
0
0
0
194
0.58
0
0.58
5718
5731
2272.37
2291.87
8.32
18.02
2273.58
2302.78
11105
11361
3988.11
4014.99
408.12
455.82
3991.11
4065.69
(The figures are indicative as the data has not been received from all member banks)
Bank wise performance under SCC promotion for 2015-16 for the quarter ended September, 2015 is
placed as Annexure No.35
6.10 Skill Loan Financing:
Department of Financial Services, Ministry of Finance, GoI vide letter F.No.6(4)/2014-CP-IF-II dated
30th June, 2015 informed that Ministry of Skill Development and Entrepreneurship has formulated a
revised ‘Model Scheme for Skill Loans’. Details about the scheme will be conveyed in due course.
DFS requested SLBC to include Skill Loans financing as a separate agenda in SLBC meeting to give
impetus and to attain scale under skill loans quickly.
46
192nd meeting of SLBC
SLBC of AP
Convener:
6.11 Implementation of Modified REMOT Scheme renamed as “Coir Udyami Yojana” (CUY):
Coir Board, Ministry of MSME, Government of India vide Lr. No. CB/REMOT/2012-13/35/1-Vo.II
dated 28.01.2015 informed that the Central Sector Scheme of Rejuvenation, Modernization and
Technology Up gradation (REMOT) has been renamed as “Coir Udyami Yojana” (CUY) so as to
convey the objectives of the scheme properly to general public.
The Coir Udyami Yojana is one of the schemes under the Ministry of MSME which aims at the
creation of new entrepreneurs, employment generations, poverty alleviation and enhancement in
the income and living conditions of the coir workers. Hence, special attention / support have to be
given for effective implementation of the scheme.
Controlling authorities of all banks are requested to give necessary directions to the branches to
sanction loans for all the eligible borrowers under Coir Udyami Yojana for the year 2015-16.
6.12 Overdues / NPAs under MSME Sector as on 30.09.2015
Outstanding
Sector
MSME
No. of a/cs
Amount
907399
38034
(Rs. In crores)
Non – Performing
Assets
Overdue
No. of
overdue
accounts
217881
Total
balance in
overdue
accounts
7510
Actual
overdue
amount
No. of
accounts
Amount
4315
103236
2477
(The figures are indicative as the data has not been received from all member banks)
The total balance in overdue accounts to outstanding MSME is 19.75% and the overdues in real
terms are Rs.4,315 crores which is 11.35% of total outstanding. The NPA is 6.51% of total MSME
outstanding.
47
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 7
Housing Loans
7.1. Position of Housing Loans as on 30.09.2015
Year
2013-14
2014-15
2014-15 (up to September, 2014)
2015-16 (up to September, 2015)
Total Outstanding
No. of a/cs Amount
336689
15621
342135
17424
331934
15572
346734
17986
(Rs in Crore)
Disbursements
No. of a/cs
Amount
Not Available Not Available
44873
2957
20163
1261
33152
1727
7.2 Housing for All (Urban) under Pradhan Mantri Awas Yojana:
1st State Level sanctioning and Monitoring Committee (SLSMC) meeting of Housing for All (HFA)
under Pradhan Mantri Awas Yojana:
Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has launched a new mission on Housing
for All (HFA) on 25th June, 2015 covering the urban poor under Pradhan Mantri Awas Yojana.
The HFA scheme entails (4) major components:
Vertical Components
Central Assistance
Centrally sponsored scheme
Slum Redevelopment
Rs.1.00 lakh
Affordable Housing in partnership
Rs.1.50 lakhs
Beneficiary led individual house construction or Rs.1.50 lakhs
enhancement
Central Sector Scheme
Credit Linked Subsidy
Upfront subsidy of 6.5% upto a max of Rs.2.30
lakhs for a max. loan of Rs.6.00 lakhs
As per the scheme guidelines Principal Secretary / Secretary to Government, Housing Department is
notified as State Level Nodal Agency (SLNA) for the state of AP vide G.O.Rt.No.536, Municipal
Administration and Urban development (UBS) Department dt: 17-08-2015.
The Government has constituted State Level Sanctioning and Monitoring Committee (SLSMC) under
Housing for All mission vide G.O.Rt.No.150 Housing (R&UH.A2) Department dt: 09.10.2015.
(40) cities/ULBs were identified for implementation of HFA during the year 2015-16. The list of ULBs
identified as follows.
48
192nd meeting of SLBC
SLBC of AP
District
Srikakulam
Vizianagaram
Visakhapatnam
East Godavari
West Godavari
Krishna
Guntur
Prakasam
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
Municipality
Srikakulam
Vizianagaram
GVMC
Rajahmundry
Kakinada
Eluru
Bhimavaram
Tadepalligudem
Palacole
Vijayawada
Machilipatnam
Gudivada
Guntur
Narasaraopeta
Chilakalurupeta
Amaravathi Capital city
Mangalagiri
Tenali
Ongole
Chirala
Convener:
District
Nellore
Municipality
21. Nellore
22. Kavali
23. Gudur
Chittoor
24. Chittoor
25. Tirupathi
26. Srikalahasti
27. Madanapalle
Kadapa
28. Kadapa
29. Proddatur
30. Rayachoti
Ananthapuramu 31. Ananthapuramu
32. Hindupur
33. Guntakal
34. Dharmavaram
35. Tadipatri
36. Kadiri
Kurnool
37. Kurnool
38. Nandyal
39. Adoni
40. Yemmiganur
HFA eligibility:
 EWS family with income up to Rs.3 lakhs and LIG family with income from Rs. 3-6 Lakhs.
Enhanced from earlier limit of EWS (Rs. 1 lakh) under RAY & under LIG (Rs. 2 lakhs)
 Size of EWS house (Carpet area) – up to 30 Sq. Mt and size of LIG house (Carpet area) – up to
60 Sq. Mt.,
Dwelling unit area and unit cost and financing pattern:
It is proposed to adopt the plinth area of the house with 400 sq.ft. and the unit cost of Rs.4.80 lakhs
per each house with following financing pattern. Further, an amount of Rs.70,000 is proposed as
GoAP grant for provision of infrastructure. Thus the GoAP grant will be Rs.1,50,000/- (Rs. 80,000/- for
house and Rs.70,000/- for infrastructure) on par with GoI grant.
Financing Pattern
GoI share
GoAP subsidy
GoAP Loan / Bank Loan
Benf. contribution
Total Unit cost
Infrastructure (GoAP grant)
Total
Under AHP & Benf. Led
Under slum re-development
Construction
(Rs. in lakhs)
(Rs. in Lakhs)
1.50
1.00
0.80
0.80
2.00
2.50
0.50
0.50
4.80
4.80
0.70
0.70
5.50
5.50
49
SLBC of AP
192nd meeting of SLBC
Convener:
7.3 Weaker Sections Housing Programme – Loans taken by the beneficiaries for construction of
houses under Rural, Urban, RGK and VAMBAY: Government of AP vide G.O.Ms.No.42, dt.29.11.2008
directed that in the event of the Equal Monthly Installments (EMI) exceeds Rs.500/- in Urban Houses
and Rs.300/- in Rural Houses (both Principal and Interest put together), the additional amount shall
only be reimbursed by Government to those beneficiaries who have paid / are paying the EMIs
promptly. The above benefit shall be applicable for all the Weaker Section Housing Schemes in the
State i.e., VAMBAY, RGK, INDIRAMMA Urban, Rural and Urban G+.
Housing (R&UH) Department, Government of Andhra Pradesh vide Lr.No.3165/R&UH.A2/2014-15
dated 10.12.2014 has clarified that reimbursement of the claims is to the extent of A.P. Division only
under the above scheme.
In this regard AP State Housing Corporation Limited advised:
I)
II)
III)
IV)
V)
VI)
VII)
VIII)
To identify any one of the branches at Hyderabad to act as a Nodal Branch to receive the
claims from the Banks and to seek releases from APSHCL.
To authorize any one of the Officer to enter into MOU with APSHCL
To designate any of the Officer as the Nodal Officer to act as Liaison Officer to implement the
scheme
To furnish the beneficiary-wise loan sanctioned branch-wise and District-wise and total loans
disbursed to the beneficiaries
The cutoff date for implementation of the scheme is 01.04.2011
All the outstanding principle and interest as on 31.03.2011 is to be rescheduled for repayment
84 installments commencing from 01.04.2011
To furnish the Bank Account Number to which the reimbursed amount has to be credited
Some of the claims of the branches have been received directly to APSHCL office and these
claims could not be processed for want of MOU.
A.P. State Housing Corporation Limited vide letter Rc.No.7327/MGR/FIN/2014, dated 05.10.2015
informed that the following banks have entered Memorandum of Understanding (MOU) with
APSHCL:
(1) Andhra bank
(2) State Bank of Hyderabad
(3) State Bank of India
(4) ING. Vysya Bank
(5) Corporation Bank
(6) Oriental Bank of Commerce
(7) Vijaya Bank
(8) Bank of Baroda
(9) Indian Bank
(10) Allahabad Bank
The remaining banks are also requested to enter into MoU to pass on the benefit.
50
SLBC of AP
192nd meeting of SLBC
Convener:
7.4 Issues relating to RGK & VAMBAY claims with APSHCL:
 In many centres, the housing project was incomplete
 In completed projects also allotments were not done. Where allotted also, the flats were not
occupied by the beneficiaries, since they are away from the town
 Due to delay in project completion and non-occupancy by the beneficiaries the accounts have
become NPA’s
 In majority of the accounts repayment is not coming forthwith and the accounts are becoming
NPAs
 The borrowers are not coming forward to create Equitable Mortgage
 The Government authorities are not willing to cooperate in recovering the EMIs
It is being informed by banks that though there are several cases of misutilisation of loans allocated
under weaker section housing programme and repayments are not forthcoming, steps are not being
initiated for reallocation of the houses.
SLBC has requested Housing Department earlier to reallocate at least a few cases for demonstration,
which will have positive impact on recovery.
A.P. State Housing Corporation Limited vide Lr.No.7327/MGR/FIN/2014/SLBC Mtgs. of AP dated
12.05.2015 and Lr.No.7327/MGR/FIN/2014/SLBC Mtgs. of AP dated 05.11.2015 sought a report from
the District Project Directors with regards to cancellation of Un-occupied / let out houses / flats by the
beneficiaries and re-allotment of houses / flats to eligible beneficiaries under RGK, VAMBAY, and Urban
permanent Housing Programme to take necessary action.
Accordingly SLBC requested the controlling authorities of the banks & LDMs to instruct the branches to
furnish the information in this regard to the District Project Directors of APSHCL to take necessary
action.
A.P. State Housing Corporation Limited vide Lr.No.7327/MGR/FIN/2014/SLBC Mtgs. of AP dated
01.12.2015 informed that the District Collector / Executive Director, APSHCL, West Godavari District is
permitted for cancellation of allotment to (328) beneficiaries in the following layouts and to re-allot the
houses / flats to the eligible / needy beneficiaries duly following the guidelines as indicated in the
G.O.Rt.No.185 dated 27.07.2011.
S.No.
1
2
Name of
the Colony
Madepalli
Colony
(Phase-I)
Komadavole
Colony
(Phase-I)
Total
As per the list furnished
by PD, Housing number
of beneficiaries notoccupied
413
413
Explanation
submitted by
beneficiaries to the
Notices
210
275
275
150
125
688
688
360
328
Notices
issued
Not responded
beneficiaries to the
Notice issued
203
51
192nd meeting of SLBC
SLBC of AP
Convener:
7.5. Overdue /NPAs under Housing Loans as on 30.09.2015
Outstanding
Sector
Housing loans
No. of
a/c s
Amount
346734
17986
(Rs. In crores)
Non – Performing
Assets
Overdue
No. of
overdue
accounts
Total
balance in
O.D a/cs
Actual
overdue
amount
No. of
accounts
Amount
76970
3945
850
32678
550
(The figures are indicative as the data has not been received from all member banks)
The percentage of total balance in overdue accounts & NPA to outstanding is 21.93% & 3.06%
respectively.
AGENDA- 8
Education Loans
8.1 Position of Education Loans as on 30.09.2015 :
Year
2013-14
2014-15
2014-15 (up to September, 2014)
2015-16 (up to September, 2015)
Total Outstanding
No. of a/c s
Amount
133820
3393
143644
3062
137664
2960
143718
3309
(Rs in Crore)
Disbursements
No. of a/cs
Amount
Not Available Not Available
20507
600
11464
272
15094
451
8.2 Central Scheme to provide Interest Subsidy (CSIS):
RBI Hyderabad vide Lr. No. RPCD (H)/LBS/370/02.03.03/2014-15 dated September 17, 2014 informed
that some of the banks of Andhra Pradesh are not extending the benefit of CSIS to the eligible
students who have been sanctioned education loan after March 31, 2009. Some of the banks have
not properly understood the CSIS guidelines and in the process have denied the benefit of interest
subsidy to eligible students.
RBI advised that as per the Central Government as well as IBA guidelines, the CSIS is applicable to all
eligible students who pursue technical and professional education studies in India beginning from
the academic year 2009-10.
SLBC circulated these guidelines to controlling authorities of all banks vide Lr.No.666/30/330/427
dated 20.09.2014 for strict compliance.
52
SLBC of AP
8.3
192nd meeting of SLBC
Convener:
Non-adherence to RBI guidelines on security/co-obligation and keeping register for
Rejected loans for recording the reasons:
RBI Hyderabad vide Lr.No.RPCD (H)/MSME/823/06.02.001/2014-15 dated January 06, 2015 informed
that some of the banks in Andhra Pradesh are not adhering to the instructions contained in RBI
circular RPCD.SME&NFS.BC.No.69/06.12.05/2009-10 dated April 12, 2010 while sanctioning of
education loans and specifically collateral free education loans.
It has also been reported that banks are not maintaining properly registers/electronic records at the
branches to record the date of receipt, sanction/rejection/disbursement with reasons thereof etc. of
applications as instructed vide RBI circular RPCD.CO.BC 10/04.09.01/2014-15 dated July 01, 2014. RBI
advised that all banks to strictly adhere to the guidelines issued by them in this regard.
SLBC circulated these guidelines to controlling authorities of all banks vide Lr.No.666/30/330/728
dated 08.01.2015 for strict compliance.
8.4 Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Education Loan for Overseas
Studies for Other Backward Classes (OBCs) (Effective from 2014-15):
The scheme of Interest Subsidy on educational loans for overseas studies will promote educational
advancement of student from Other Backward Classes. The objective of the scheme is to award
interest subsidy to meritorious students belonging to other weaker sections of the society so as to
provide them better opportunities for higher education abroad and enhance their employability.
This is a Central Sector Scheme to provide interest subsidy to the student belonging to the OBCs on
the interest payable for the period of moratorium for the Education Loans under the Scheme of
Interest subsidy on Educational Loans for Overseas Studies to pursue approved courses of studies
abroad at Masters and Ph.D level.
Income Ceiling:
i. Total income from all sources of the employed candidate or his/her parents/guardians in case of
unemployed candidate shall not exceed Rs.3.00 lakh per annum.
ii. Under this Scheme, Income certificate produced by the student for availing Educational Loan viz.
ITR / Form 16 / Audited Accounts / Income certificate issued by the authority of State
Government / UT Administration is acceptable to determining Income ceiling.
iii. The OBC Caste certificate in the prescribed Proforma issued by the competent authority must be
taken by the Banks.
Rate of Interest Subsidy:
i. Under the scheme, interest payable by the students availing the education loans of the IBA for
the period of moratorium (i.e. course period, plus one year or six months after getting job,
whichever is earlier) as prescribed under the Education Loan Scheme of the IBA, shall be borne
by the Government of India.
53
192nd meeting of SLBC
SLBC of AP
Convener:
ii.
After the period of moratorium is over, the interest on the outstanding loan amount shall be
paid by the student, in accordance with the existing Educational Loan Scheme as may be
amended from time to time.
iii. The candidate will bear the Principal installments and interest beyond moratorium period.
8.5 Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Education Loan for Overseas
Studies for Economically Backward Classes (EBCs) (Effective from 2014-15):
The scheme of Interest Subsidy on educational loans for overseas studies will promote educational
advancement of student from Economically Backward Classes. The objective of the scheme is to
award interest subsidy to meritorious students belonging to economically weaker sections of the
society so as to provide them better opportunities for higher education abroad and enhance their
employability.
This is a Central Sector Scheme to provide interest subsidy to the student belonging to the EBCs on
the interest payable for the period of moratorium for the Education Loans under the Scheme of
Interest subsidy on Educational Loans for Overseas Studies to pursue approved courses of studies
abroad at Masters and Ph.D level.
Income Ceiling:
i. Total income from all sources of the employed candidate or his/her parents/guardians in case of
unemployed candidate shall not exceed Rs.1.00 lakh per annum.
ii. Under this Scheme, Income certificate produced by the student for availing Educational Loan viz.
ITR/Form 16/Audited Accounts/Income certificate issued by the authority of State
Government/UT Administration is acceptable to Ministry for determining Income ceiling. There is
no need to obtain fresh Income certificate from students.
8.6 Overdue/NPAs under Education Loans as on 30.09.2015
Outstanding
Sector
No. of
a/cs
Education
loans
143718
Overdue
No. of
Amount overdue
accounts
3309
(Rs. In crores)
Non – Performing
Assets
24625
Total balance
in overdue
accounts
601
Actual
overdue
amount
No. of
accounts
250
11180
Amount
204
(The figures are indicative as the data has not been received from all member banks)
The percentage of total balance in overdue accounts & NPA to outstandings is 18.16% & 6.17%
respectively.
54
SLBC of AP
192nd meeting of SLBC
Convener:
AGENDA- 9
9.1 EXPORT CREDIT
Outstanding position of finance under Export Credit as on 30.09.2015 placed as Annexure No.14
AGENDA- 10
10.1. Credit Flow to Minority Communities for the last three years:
Sl. No.
Year ended
Outstanding Rs. In Crores
1
March, 2013
7,066
2
March, 2014
8,372
3
March, 2015
11,069
4
September, 2014
10,629
5
September, 2015
11,476
In Andhra Pradesh, the amount lent to minority communities is Rs.11, 476 crores which constitutes
7.35% of Priority Sector Lending as against the stipulated target of 15% and all Banks were advised
to ensure achievement of 15% of credit to Minority Communities. With a view to ensure
achievement of stipulated target of 15% of Priority Sector Lending to Minorities Communities, a
target of Rs.18623.73 crores has been allocated to Public Sector Banks for 2015-16 by Department of
Financial services, Ministry of Finance, GoI vide letter F.No.7(61)/2008-CP (Part-IV), dated
22.06.2015 in the state of Andhra Pradesh.
A series of steps were initiated by GoAP and SLBC to improve the lending to minority Communities.
It was suggested that the subsidy component of Government sponsored schemes may not be
sufficient to reach the target and it requires multi pronged approach by:
1)
2)
3)
4)
5)
Conducting special EDPs near all Industry Clusters.
Conducting exclusive training programmes in all RSETIs.
Achieving saturation by SERP in organizing Women of Minority communities into SHGs, etc.,
Proper classification and reporting of accounts
Identifying and financing the eligible beneficiaries without linking to availability of subsidy and to
cover under CGTMSE wherever eligible.
55
SLBC of AP
192nd meeting of SLBC
Convener:
AGENDA- 11
11.1 Credit Flow to Weaker Sections for the last three years:
Sl. No.
Year ended
Outstanding Rs. In Crores
1
March, 2013
40,554
2
March, 2014
47,074
3
March, 2015
48,495
4
September, 2014
48,361
5
September, 2015
52,297
Weaker Section advances as on 30.09.2015 is Rs.52,297 crores which constitutes 24.23% as against
the RBI stipulation of 10% of ANBC.
AGENDA- 12
12.1 Credit Flow to Women for the last three years:
Year ended
Outstanding Rs. In Crores
Sl. No.
1
March, 2013
30,116
2
March, 2014
34,736
3
March, 2015
35,994
4
September, 2014
35,948
5
September, 2015
38,065
As on 30.09.2015 advances to Women are at Rs.38,065 crores which constitutes 17.64% as against
the RBI norms of 5% of Net Bank credit.
56
SLBC of AP
192nd meeting of SLBC
Convener:
AGENDA- 13
13.1 Credit Flow to Scheduled Castes / Scheduled Tribes for the last three years:
Sl. No.
Year ended
Outstanding Rs. In Crores
1
March, 2013
7,774
2
March, 2014
9,365
3
March, 2015
8,710
4
September, 2014
9,498
5
September, 2015
9,176
As on 30.09.2015, the lending to SC/STs is Rs.9,176 crores, comprising of 5.88% of priority sector
advances.
Reserve Bank of India issued guidelines on providing Credit facilities to Scheduled Castes (SCs) and
Scheduled Tribes (STs) vide Master Circular dated 01.07.2015 and all banks and LDMs are advised to
be guided accordingly.
Comparative statement of Credit disbursements under Welfare schemes during first half year of
2015-16 with the corresponding half year of 2014-15:
(Amount in crores)
Disbursements Disbursements
Name of the
from
from
Variance
Scheme
01.04.2014 to 01.04.2015 to
30.09.2014
30.09.2015
Minority
1120
1681
(+)561
Communities
Weaker
4505
9919
(+)5414
Sections
Women
3449
7689
(+)4240
SC/ST
942
1591
(+)649
57
192nd meeting of SLBC
SLBC of AP
Convener:
Credit Flow to Minority Communities, Weaker Sections, Women & Scheduled Castes &
Scheduled Tribes
50000
40000
34736
35948
35994
38065
47074
48361
60000
48495
52297
(Amt. in crores)
9365
9498
8710
9176
20000
8372
10629
11069
11476
30000
10000
0
Weaker
Sections
47074
Women
SC/ST
Mar, 2014
Minority
Communities
8372
34736
9365
Sept, 2014
10629
48361
35948
9498
Mar, 2015
11069
48495
35994
8710
Sept, 2015
11476
52297
38065
9176
58
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 14
Status of implementation of Government Sponsored Schemes during the FY 2015-16
Government of India
14.1 NATIONAL RURAL LIVELIHOOD MISSION (NRLM)
14.1.1 SHG-Bank linkage Programme Disbursements vis-à-vis Targets for the last four Years
Rural SHG
Year
Disbursements
Target
Amt.
No.
Amt.
Urban SHG Disbursements
Target
Amt.
No.
Amt.
Total Disbursements
Target
Amt.
No.
Amt.
(Rs. In crores)
Outstanding
(Rural& Urban)
No.
Amt.
2011-12
5122
209688
5122
1050
58979
1343
6172 268667 6465 819631
2012-13
5761
155261
4073
1195
49913
1341
6956 205174 5414 807837 11510
2013-14
7066
265118
8246
1368
49718
1527
8434 314836 9773 772413 13764
2014-15
12273
188457
6072
1516
38518
1292
13789 226975 7364 806514 14977
9707
97691
3256
325
11724
390
10032 109415 3646 801429 14695
2015-16 up to
Sept. 2015
9691
Comparative statement of SHG Bank Linkage Disbursements Y-o-Y
Year
Rural SHG
Urban SHG
(Rs. In crores)
Total
Disbursements
Disbursements
Disbursements
No.
Amt.
No.
Amt.
No.
Amt.
September 2014
54127
1738
8921
290
63048
2028
September 2015
97691
3256
11724
390
109415
3646
% increase
80.48
87.34
31.42
34.48
73.54 79.78
59
192nd meeting of SLBC
SLBC of AP
Convener:
14.1.2. Overdue/NPAs under SHG Bank Linkage Programme as on 30.09.2015
(Rs. In crores)
Outstanding
Year
Sept. 2014
Sept. 2015
No. of
Accounts
794728
801429
Non Performing
Assets
Overdue
Total
Actual
balance in
overdue
overdue
amount
accounts
185926
2341
1046
165355
2736
1021
No. of
Amount Overdue
accounts
13919
14695
No.
of
Accounts
Amount
84056
62773
880
828
(The figures are indicative as the data has not been received from all member banks)
The percentage of total balance in overdue accounts & NPA to outstanding is 18.62% & 5.63%
respectively.
SERP and MEPMA are requested to extend necessary support to the banks to reduce the OD/NPAs in
this sector.
14.2 NATIONAL URBAN LIVELIHOODS MISSION (NULM) SCHEME:
Targets & Achievement -SEP (Individual) and SEP (Groups) for 2015-16 up to 04.11.2015
(Amount in Lakhs)
S.
No.
1
2
Program
SEP (Individual) Programme
under NULM
SEP (Groups)Programme
under NULM
Achievement
Sanctions
Grounding
Physical Financial Physical Financial Physical Financial
Target
8200
16400
612
542.10
0
0
240
2400
0
0
0
0
(Source: MEPMA)
SLBC made allocation of targets which were approved in the Steering Committee meeting of SLBC of
AP and communicated to all banks and LDMs.
Controllers of banks are requested to sensitize the branches for achievement of targets. MEPMA is
requested to sponsor sufficient no. of applications for achieving the targets.
60
192nd meeting of SLBC
SLBC of AP
Convener:
14.3 PRIME MINISTERS EMPLOYMENT GENERATION PROGRAMME (PMEGP)
14.3.1 Target & Achievement under PMEGP for the year 2015-16 (as on 30.09.2015)
(Rs.in lakhs)
Target - 2015-16
S.
No
1
2
3
4
Agency
KVIC SO
Hyd.
KVIB
DIC
Total
KVIC,DO,
Vizag
Grand
Total
No. of
Projects
Sanctioned by
Banks
No. of
Margin
Projects
Money
Margin
Money
Bank
Credit
Emp.
(Nos)
192
311
414
917
382.58
621.69
828.91
1833.18
1182.17
1921.02
3199.63
6302.82
1536
2488
3312
7336
55
395
429
879
244.85
1427.13
1341.79
3013.77
119
239.10
738.82
952
23
1036
2072.28
7041.64
8288
902
Achievement – 2015-16
No. of
Projects
Margin
Money
Bank
Credit
Emp.
(Nos)
49
109
148
306
213.87
384.87
514.95
1113.69
660.86
1189.25
1591.20
3441.30
748
1347
1802
3897
177.05
6
40.95
126.53
134
3190.82
312
1154.64
3567.83
4031
(Source: KVIC, Hyderabad)
All banks are requested to sanction eligible cases & ground them immediately wherever sanctions
were already made.
14.3.2 PMEGP – Priority to SCs / STs, Weaker Sections – Parliamentary Committee observations:
Department of Financial Services, Ministry of Finance, GoI vide Lr.No.F.No.3/26/2013-IF-II dated
13.11.2014 informed that the Parliamentary Committee on Industries has desired that cases of
Scheduled castes, Scheduled Tribes, Weaker Sections should be given priority under PMEGP and
emphasized that banks should not ask for collateral security under PMEGP scheme. The committee
has directed that the achievement of targets allocated under PMEGP should be regularly monitored
and the number of rejection of applications should be minimized.
RBI in its Master Circular on lending to MSME sector has mandated banks not to accept collateral
security in case of loans up to Rs.10 lakhs extended to units in the MSE sector. Banks have also been
advised to extend collateral free loans up to Rs.10 lakhs to all units financed under PMEGP of KVIC.
SLBC of AP requested controlling authorities of all Banks & LDMS vide Lr.No.666/30/22/587 dated
21.11.2014 to issue necessary instructions to all nodal and financing branches involved in lending
under PMEGP to ensure that the RBI circular is followed in letter and spirit and the
recommendations of the Parliamentary Committee on Industry are implemented.
61
192nd meeting of SLBC
SLBC of AP
Convener:
14.4 Handloom Weavers:
Progress in lending under Weaver Credit Card Scheme
The Handloom Sector is providing employment to a large number of persons in the state and the
sector needs to be given the required thrust as there is good potential.
Under WCC scheme, the target given for the year 2015-16 is 14,500 units and SLBC advised all Banks
to issue necessary instructions to their branches to improve lending under Weaver Credit Card
Scheme and to reach the targets set for March, 2016.
SLBC is regularly reviewing the progress in issuance and disposal of pending applications under
WCC scheme.
Progress on issuance of Weaver Credit Cards and Disbursement of Loan to the Handloom Weavers as
on 30.09.2015 is as under:
Name of the
District
Srikakulam
Vizianagaram
Visakhapatnam
East Godavari
West Godavari
Krishna
Guntur
Prakasam
Nellore
Chittoor
Ananthapuram
Kadapa
Kurnool
Total
Target
for the
Year
2015-16
900
400
400
2000
750
1200
1000
1200
500
700
4000
1200
250
14500
Application
submitted
to the
Banks
WCCs
issued in
the year
2015-16
Applications
rejected by
banks in
2015-16
850
291
97
1453
785
0
450
0
378
32
533
342
1333
6544
0
0
0
9
0
0
224
0
78
0
430
75
166
982
0
0
0
0
0
0
0
0
0
0
21
0
0
21
(Rs. in Lakhs)
Total
Total amount
amount
of loan
Applications
sanctioned
disbursed
pending in
during
during
banks
2015-16
2015-16
0
0
850
0
0
291
0
0
97
2.70
2.70
1444
0
0
785
0
0
0
89.60
89.60
226
0
0
0
30.20
14.00
300
0
0
32
224.37
224.37
82
30.00
30.00
267
57.00
0
1167
433.87
360.67
5541
(Source: Handlooms & Textiles Department)
Steering Committee of SLBC opined that an effective recovery mechanism is to be placed by the
Department of Handlooms & Textiles for facilitating prompt recovery from this sector. At the same
time banks are advised to extend finance to this sector.
Department of Financial Services (AC Section), Ministry of Finance, GoI vide letter F.No.3/15/2013AC dated 18.08.2015 informed that during the course of review in 10 th meeting of National
Implementation , Monitoring & Review Committee (NIMRC) held on 2nd July, 2015 it was found that
the progress in the implementation is far from satisfactory.
62
SLBC of AP
192nd meeting of SLBC
Convener:
Since the RRR Package and issuance of Weavers Credit Card are intended to support the weavers’
societies and individual weavers which are vital to economy, banks are advised to take immediate
action for implementation of the said package. Banks may ensure that necessary instructions /
directions percolate to their branches for implementation of RRR Package and issuance of Weavers’
Credit Card.
Minutes of the 11th meeting of National Implementation Monitoring & Review Committee
(NIMRC) held on 12th August, 2015 under the Chairmanship of Secretary (Textiles):
 Implementation of RRR package aimed to open up the choked credit lines by waiving of overdue
loans and interest of cooperative societies and individual weavers and providing of fresh
subsidized credit to handloom sector. However, implementation of the RRR package has been
slow and fresh credit line has not been opened for most of the cooperative societies and
individual weavers even after waiver of loans.
 Bankers to upgrade the WCC to the internet banking based Smart Card as it empowers weavers
to avail of banking facilities at their doorstep round the clock and the entire network of ATMs
can be used for this purpose, over and above the PoS /micro-ATMs.
 Bankers are requested to link WCC to PMJDY and other schemes of GOI so that benefits of these
schemes are extended to small weavers.
 Chief General Manager, NABARD urged the representatives of the State Govt. to convene the
SIMRC meetings on bi-monthly basis for next 6 months so as to give due momentum to the
handloom sector aligning with the GOI priorities and guide and supervise the overall
implementation of the package in the state.
 NABARD has allocated Rs.2000 crore as refinance target to banks under Handloom sector and
reduced the interest rate from 10.5% p.a. to 9.10% p.a. so as to accelerate the credit flow to this
sector after the implementation of RRR package.
 States to organize SIMRC regularly so as to sort out field level problems in respect of fresh
financing and submit necessary information and feedback to SLBC/NABARD and NABARD will
monitor progress on this account and compile state wise status (along with comparative
position of progress in 2015-16 with that of 2014-15) which will be furnished to Ministry of
Textiles from time to time.
 Controlling office of the each bank issues instructions to the branches for financing to weavers
and also claiming interest subvention and margin money assistance in advance under the
package. The loan should be sanctioned as a working capital loan. The progress will be reviewed
on the basis of WCCs distributed during the year and also cumulative card distributed and per
weaver card financed.
63
SLBC of AP
192nd meeting of SLBC
Convener:
 Bankers to make use of Bunkar Facilitators and if needed, existing BCs/BFs of the banks may be
roped in for the purpose and its progress be reviewed at SLBC level.
14.5 Dairy Entrepreneurship Development Scheme (DEDS)
Continuation of the Scheme for the financial year 2015-16:
NABARD vide Ref.NB(DoR)/GSS/338/DEDS 4/2015-16 dated 30.04.2015, Circular No.81/DoR23/2015
informed that the budget provision of Rs.127 crores has been made for 2015-16 which include Rs.99
crores under General/ST component. This amount is just sufficient to clear the pending claims at
NABARD level. However, sufficient funds are available under SC and NES Category. Therefore, banks
are advised to focus on lending for SC beneficiaries and beneficiaries under NER states.
Department of Financial Services, Ministry of Finance, GoI vide Lr. No.F.No.3/13/2011-AC, dated 14
November, 2013 informed that the Department of Animal Husbandry, Dairying & Fisheries, Ministry
of Agriculture, GoI has directed to review the progress made under Dairy Entrepreneurship
Development Scheme (DEDS) may be taken up as a regular agenda item in the DCC/DLRC meetings at
District level.
Details of Subsidy sanctioned and released under DEDS in the state of Andhra Pradesh – position as
on 20.11.2015.
(Rs. in crores)
General / ST
SC
Particulars
No. of Units Amount No. of Units Amount
Target
No target
15.25
No Target
7.75
Subsidy Sanctioned
0
0
321
2.16
Subsidy Released
2518
8.91
243
1.84
(Source: NABARD)
14.6 AGRI-CLINICS & AGRI-BUSINESS CENTERS
Agri-Clinics & Agri-Business Centers (ACABC) – Review of progress
The Central Scheme “Establishment of Agri-Clinics & Agri-Business Centers (ACABC)” launched in
April, 2002 and has created wide awareness and motivation about the potential of agri preneurship in
rural areas among all the stakeholders. The Agri ventures setup under ACABC scheme are expected to
necessarily provide advisory and extension services also to the farmers and this supplement the
efforts of public extension system including unemployed candidates in rural areas.
National Institute of Agricultural Extension Management (MANAGE) is implementing training
component of the Scheme through Nodal Training Institutes identified across the country and
NABARD is the responsible for disbursement of subsidy to trained candidates availing bank finance
for establishing their agri-ventures.
64
SLBC of AP
192nd meeting of SLBC
Convener:
DFS, Ministry of Finance vide Lr.No.F.No.3/32/2012-AC, dated 26.11.2013 advised SLBC conveners to
review the sanction of loans by Banks to trained candidates under the scheme and advised to clear
the eligible loan applications on priority. Hence, banks are required to facilitate disbursement of
credit and subsidy to the trained candidates for establishing agri-ventures.
Similar review may be undertaken by LDMs at DCC/DLRCs at the district level.
Progress as on 02.12.2015:
S.No
Particulars
Number
1
No. of projects sanctioned
31
2
No. of projects pending
363
(Source: www.agriclinics.net)
All Banks are requested that necessary instructions may be issued to their branches to expedite the
clearance of pending loan applications under ACABC scheme and also releasing bank finance to the
trained candidates on priority.
NABARD vide Ref.No.NB.T & AP RO.HYD/DoR/8120/ICD-72/2014-15 dated 16.02.2015 informed that
a) Large number of proposals are pending with various banks since 2010
b) Proposals which are sanctioned by banks under ACABC but, subsidy claims to that extent have not
been received by NABARD.
NABARD has requested the banks to look into the pendency of the proposals at bank / branch level
and advise the branches concerned for processing loan applications as per scheme guidelines and the
status may be intimated to NABARD RO with a copy to SLBC.
As regards to the proposals already sanctioned by bank branches under ACABC, were advised for
submission of subsidy claims, in the prescribed format to NABARD, RO, so that the benefit of subsidy
can be passed on to the agripreneur.
14.7. Credit under DRI
Year ended
Outstanding Rs. In Crores
March, 2014
38.21
March, 2015
35.97
September, 2014
36.05
September, 2015
41.29
As on 30.09.2015 the credit outstanding under DRI is Rs.41.29 Crores. Target under DRI for 2015 -16
is Rs. 2,158 Crores (i.e., 1% of the total outstanding advances of 31.03.2015 i.e. Rs.2, 15,797 Crores).
The performance is negligible in comparison to the stipulations. All Banks are requested to make all
out efforts to identify the eligible beneficiaries under DRI and to extend finance as per guidelines.
65
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 15
Government Sponsored Schemes - Government of Andhra Pradesh
15.1 Andhra Pradesh Micro Irrigation Project (APMIP):
Target
Year
2014-15 as on
30.11.2014
2015-16 as on
31.10.2015
Physical
(Area in Hectares)
Financial
(Rs. In Lakhs)
Achievement
Physical
Financial
(Area in Hectares)
41895
24473.13
0
0
10000
62887.80
21735
13171.03
(Source: APMIP)
District wise progress under APMIP as on 31.10.2015 is enclosed as Annexure No.36
Modalities of Annuity based financing of Micro Irrigation Programme – Minutes of the Meeting
with SLBC and representatives of MI Companies on 26.11.2015:
Basic purpose of implementation of MI in Annuity mode is to bring larger extents within the same
financial resource. The objective of Govt., of Andhra Pradesh is to reduce financial burden on the
farmers and to enhance water use efficiency with Community Micro Irrigation to reduce Gap Ayacut. The Commissioner of Horticulture has also mentioned that the Government of India under
CSS – MI under Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) desires to take up Micro Irrigation
in Command areas under pressurized net work to cover tail end areas with minimized cost of MI.
The representatives of MI Companies proposed 3 options for implementing Micro Irrigation on
Annuity mode to extend finance by banks for Community Micro Irrigation projects linked with
Irrigation schemes.
Option – I:Factoring or deferred payment:
 As per the prevailing practice 60% of the cost of installation will be released by the State
Government in two installments.
 The remaining 40% will be released by the banks after completion and installation and
submission of documents.
 The Government will release the amount paid to the MI Companies in four annual
installments to banks directly with interest as agreed.
 The end use of the MI System will be monitored by the department and MI Companies.
Option – II: Receivables beyond 90/180 days without any time period should be considered as a part of
working capital for arriving drawing power for the MI Companies.
66
SLBC of AP
192nd meeting of SLBC
Convener:
 As Government is involved there should not be any additional security for the receivables
extended beyond the time permitted.
 Rate of interest will be charged to the MI companies by the individual banks as per their
approved bank policies.
Option – III (Project mode - BOT Model): This model is followed in Karnataka State for community based MI Systems.
 The MI Company will prepare total project for community MI Systems including all
components with inbuilt interest rate.
 The payment will be in staggered manner
 30% of the total cost after supply of MI material.
 30% of the total cost after installation and submission bills.
 10% of the total cost after Commissioning and obtaining Completion certificate.
 Remaining 30% spread over 5 years @ 6% every year.
In continuation of the above meeting, SLBC of AP has convened a meeting with major banks on
07.12.2015 to discuss the feasibility of extending finance in any one of the above 3 options.
After thread bear discussions the forum resolved as under.
1) Choice may be given to individual banks to choose any one of the options mentioned above
keeping their board approved policy into consideration.
2) Majority of the banks are in favor of option-I, wherein banks will extend the Term Loan
finance to the extent of 40% of the project cost keeping a margin of 60%, which has to be
released to the Micro Irrigation companies on completion of installation by State
Government.
3) Government of Andhra Pradesh has to make the repayment of Term Loan in four annual
installments to the banks and tripartite agreement may be entered into with GoAP, Banks &
Micro Irrigation companies to that effect.
4) Rate of Interest on Term Loan is to be charged as per the individual bank’s policy.
5) Hypothecation of deferred payment receivables is to be considered as primary security to the
bank.
6) Any delay in making payments by the GoAP on due dates, Micro Irrigation companies should
repay the installments to the bank to keep the Term Loan account in order and obtain the
reimbursement from the Government accordingly.
It was further resolved to place the above resolutions in SLBC meeting proposed on 16.12.2015 for
deliberations and approval.
67
192nd meeting of SLBC
SLBC of AP
Convener:
15.2. Fisheries:
Name of the
District
Srikakulam
Vizianagaram
Visakhapatnam
East Godavari
West Godavari
Krishna
Guntur
Prakasam
Nellore
Chittoor
Kadapa
Kurnool
Ananthapuram
Total
Total Credit
proposed in the
District Plan
589.398
452.00
492.60
1281.00
950.00
1754.00
177.50
1466.00
1212.60
14.10
26.99
19.12
14.05
8449.358
Credit extended to GSS
(from 01.04.2015 to
20.11.2015)
7.50
15.90
7.00
0.00
250.00
30.00
13.80
0.00
0.00
0.00
0.00
0.00
0.00
324.2
(Rs. in Lakhs)
GSS implemented with
Beneficiary Contribution (from
01.04.2015 to 20.11.2015)
0.50
0.00
0.00
29.11
0.00
0.00
3.70
41.00
0.00
0.00
1.095
0
0.00
75.405
(Source: Fisheries Department)
Physical Target of 42,322 was approved in State Credit Plan 2015-16 with a total financial out lay of
Rs. 24.07 crores with a subsidy component of Rs.124.65 crores & with a Bank credit of Rs.120.42
crores.
15.3. Sericulture: Achievement as on 30.09.2015
(Amt. in Lakhs)
Projected Target for
2015-16
No. of Units Amount
1661 3342.49
Applications
sponsored
253
Applications sanctioned
No. of Units
125
Applications Grounded
Amount
No. of Units
87.92
120
Amount
81.67
(Source: Department of Sericulture)
District wise progress under sericulture as on 30.09.2015 is enclosed as Annexure No.37
68
192nd meeting of SLBC
SLBC of AP
Convener:
15.4. A.P. Backward Classes Co-op. Finance Corporation- Performance as on 30.09.2015:
(Rs. in crores)
Scheme
Margin Money
BC Abhyudaya Yojana
Total
Projected Target for 2015-16
Physical
Bank
Subsidy
Target
Loan
58254 160.00 160.00
10923
30.00
30.00
69177 190.00 190.00
Achievement
Funds released to
No. of beneficiaries
Districts
76.23
22594
18.25
4623
94.48
27217
(Source: A.P. Backward Classes Co-op. Finance Corporation)
District wise statement of subsidy released under MM & RAY is enclosed as Annexure No.38
15.5. Federations of BC Co-operative Societies under BC Welfare Department of GoAP:
The following 10 Federations of BC Cooperative Societies have informed the position of
implementation of financial assistance scheme as on 31.10.2015, the details are as follows:
Name of the Federation
A.P. Washermen Cooperative Societies
Federation Ltd.
A.P. Sagara ( Uppara ) Cooperative
Societies Federation Ltd
A.P. Krishna Balija, Poosala Cooperative
Societies Federation Ltd.
A.P. Viswabrahmins Cooperative Societies
Federation Ltd.
A.P. Kummari/Shalivaahana Cooperative
Societies Federation Ltd.
A.P. Nayee Brahmins Cooperative
Societies Federation Ltd.
A.P. Vaddera Cooperative Societies
Federation Ltd.
A.P. Valmiki/Boya Cooperative Societies
Federation Ltd.
A.P. Bhattraja Cooperative Societies
Federation Ltd.
A.P. Medara Cooperative Societies
Federation Ltd.
Target for 2015-16
Physical
Amount 50%
Subsidy including
No. of
unutilized
Benefs.
Societies
amount
(Rs. in Lakhs)
Achievement
No. of
50% Subsidy
Released
Units Benefs.
1206
18096
4524.00
14
155
38.75
492
7380
1845.00
14
174
43.50
485
7275
1818.75
3
39
9.75
680
10200
2550.00
10
123
30.75
789
11835
2958.50
6
80
20.00
1171
17560
4390.00
26
280
70.00
645
9675
2418.75
19
248
62.00
490
7350
1837.50
2
21
5.25
475
7125
1781.25
0
0
0
493
7395
1848.75
0
0
0
6926
103891
25972.5
94
1120
280.00
(Source: Respective federations)
Physical Target of 37,588 beneficiaries was approved in State Credit Plan 2015-16 with a total
financial out lay of Rs. 384.38 crores with a subsidy component of Rs.192.19 crores & with a Bank
credit of Rs.192.19 crores.
District wise progress under 10 BC Cooperative Societies as on 31.10.2015 is enclosed as Annexure.
No.39
69
192nd meeting of SLBC
SLBC of AP
Convener:
15.6 A.P. Scheduled Caste Co-operative Finance Corporation Limited:
(Rs. in lakhs)
Projected Target for 2015-16
Achievement
No. of Benfs
Bank Loan
No. of Benfs
Bank Loan
38054
17147.38 Identifications under process
(Source: A.P. Scheduled Caste Co-operative Finance Corporation Limited)
15.7
Andhra Pradesh State Christian (Minorities) Finance Corporation:
The details of projected targets for the year 2015-16 and progress made under the scheme up to
30.09.2015 are as follows
(Rs. in lakhs)
Target for the year 2015-16
Phy
Fin
2400
1200.00
Sanctions given
Phy
Fin
347
261.23
(Source: AP State Christian (Minorities) Finance Corporation)
15.8 Andhra Pradesh Scheduled Tribes Co-op Finance Corporation Ltd. (TRICOR)
The details of projected targets for the year 2015-16 and progress made under the scheme
(Rs. in lakhs)
Target
Units
Benf.
TRICOR
Subsidy
Line
Bank
B.C.
Total
Dept.
/MMS/
Outlay
Subsidy Streenidhi
12951 14170 8595.44 1024.53 10820.90 190.93 20631.80
Amount released and Sanctions
accorded
Physical Subsidy Bank
Total
(Benf.)
Loan
outlay
1196
755.42
543.95 1299.37
(Source:TRICOR)
Physical Target of 20,000 beneficiaries was approved in State Credit Plan 2015-16 with a total
financial out lay of Rs.131 crores with subsidy component of Rs.56 crores & with a Bank credit of
Rs.120.42 crores.
District wise progress under TRICOR as on 30.09.2015 is enclosed as Annexure No.40
15.9
A.P. State Minorities Finance Corporation Ltd.:
The details of projected targets for the year 2015-16 and progress made under the scheme up to
30.09.2015 are as follows.
(Rs. in lakhs)
Projected Target for
Applications Sponsored Applications Sanctioned Applications Grounded
2015-16
Phy
22289
Fin.
4800
Phy
72064
Fin.
287.44
Phy
113
Fin.
41.53
Phy
Fin.
0
0
(Source: A.P. State Minorities Finance Corporation Ltd)
70
SLBC of AP
192nd meeting of SLBC
Convener:
15.10 Welfare of Disabled and Senior Citizens, AP :
Economic Rehabilitation Scheme target & achievement for the year 2015-16 up to 30.09.2015
(Rs. in lakhs)
No. of
Beneficiaries
298
Target
50% of unit cost as
subsidy (Maximum
Rs.1.00 lakh per
beneficiary
Achievement
Bank Loan of
Rs.1.00 lakh
per unit
298
298
Total
Outlay
596
No. of
Beneficiaries
169
Financial
108.45
(Source: Department of Welfare of Disabled and Senior Citizens, AP)
All welfare Departments are requested to sponsor sufficient number of applications for achieving
the targets.
Controllers are requested to issue necessary instructions to the branches for achieving the targets.
15.11 Andhra Pradesh Food Processing Society, GoAP – Agri-Processing / Food Processing Units
for the FY 2015-16:
Progress report for the Fy 2015-16 under Agri-Processing / Food Processing Units as on 30.09.2015
Name of The District No. of Food Processing Units Performance
Srikakulam
10
2
Vizianagaram
10
1
Visakhapatnam
10
1
East Godavari
15
2
West Godavari
10
2
Krishna
10
2
Guntur
10
0
Prakasam
10
0
Nellore
10
0
Chittoor
10
5
Kadapa
10
1
Kurnool
10
1
Ananthapuram
10
3
Total
135
20
(Amount in crores)
Total Loan from Banks
0.37
35
3
1.85
7.00
10.06
0
0
0
13.22
0.85
14.00
5.10
90.45
(Source: AP Food Processing Society)
71
192nd meeting of SLBC
SLBC of AP
Convener:
15.12. Overdue position under Government sponsored schemes as on 30.09.2015
Outstanding
Sector
Central Government
Sponsored Schemes
Of which
No. of
a/cs
Amount
(Rs. In Crores)
Non – Performing
Assets
Overdue
No. of
overdue
accounts
Total
balance in
overdue
accounts
Actual
overdue
amount
No. of
accounts
Amount
361114
5841.69
108093
1752.76
1535.67
45130
292.25
SGSY / NRLM
247896
4260.54
61834
1211.33
1100.62
20997
145.8
SJSRY / NULM
59942
1060.02
23632
355.9
329.17
10638
49.78
PMRY/PMEGP
17487
229.59
9282
93.97
55.33
6985
52.04
DEDS
31359
220.74
11509
63.13
29.9
5052
24.22
2174210
23870.4
490019
7325.13
3073.78
278855
2073.34
State Government
Sponsored Schemes
(The figures are indicative as the data has not been received from all member banks)
Central Government Sponsored Schemes: The percentage of total balance in overdue accounts &
NPA to outstandings is 30% & 5% respectively.
State Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA
to outstandings is 30.69% & 8.69 respectively.
SGSY/NRLM: The percentage of total balance in overdue accounts & NPA to outstandings is 28.43%
& 3.42% respectively.
SJSRY/NULM: The percentage of total balance in overdue accounts & NPA to outstandings is 33.57%
& 4.70% respectively.
PMRY/PMEGP: The percentage of total balance in overdue accounts & NPA to outstandings is
40.93% & 22.67% respectively.
DEDS: The percentage of total balance in overdue accounts & NPA to outstandings is 28.60% &
10.97% respectively.
72
SLBC of AP
192nd meeting of SLBC
Convener:
Agenda 16
16.1 Position of MFI finance extended as on 30.09.2015
S.No
Particulars
Amt. in Crores
1
Cumulative Amount of Loans sanctioned so far
127.92
2
Cumulative Loans Disbursed so far
127.92
3
Total Loans outstanding
86.99
4
Total amount due for payment (Demand)
50.39
5
Total amount recovered
19.20
6
Total amount overdue
31.19
7
Out of (6) amount overdue [ Standard]
2.05
8
Out of (6) amount overdue [NPA]
29.14
9
Non Fund exposure/Off Balance Sheet exposure O/s
0.00
AGENDA- 17
Financial Inclusion
17.1
Providing banking channels/services
17.1.1 Implementation of FIP in below 2000 population – Progress as on 30.09.2015
With reference to RBI letter FIDD.CO.LBS.No.10146/02.20.005/2014-15 dated 21.05.2015 all banks
are advised to speed up the efforts to ensure coverage of banking services in all villages with
population less than 2000 within the prescribed timelines and also ensure that at least 5 percent of
the unbanked villages identified in a State are covered through branch mode as per extant
guidelines.
SLBC has submitted the Road Map for 10731 identified villages as advised by Reserve Bank of India in
respect of below 2000 population for 3 years period from April 2013 to March 2016. Banks have
informed that they have provided banking services in all villages as per the approved road map.
Status as on 30.09.2015 is as under:
S.No
Particulars
Number
1
Total no. of villages with population of below 2000 for providing banking services
10731
as per the Road map
2
Out of column (1) covered by branch mode
424
3
Covered by BC / Other modes
10307
Quarterly Progress report District-wise and Bank-wise as on 30.09.2015 is enclosed as Annexure
No.27
SLBC has also submitted FIP Quarterly progress report for September, 2015 (LBS MIS V) to RBI which
is enclosed as Annexure No.28
73
SLBC of AP
192nd meeting of SLBC
Convener:
17.1.2. Providing Banking Services in all Villages with above 2000 population - Progress as on
30.09.2015
Banks have completed process of providing Banking services in respect of all 3900 identified villages
having population of above 2000. Banks are advised to ensure that the number of transactions in the
FI villages is improved and the services of BCs are effective.
17.1.3. Branch Expansion – Progress in opening of bank branches
All banks are advised to open bank branches as per their Branch Expansion Plan (BEP) approved by
their Boards positively.
During the meeting held by the Hon’ble Union Finance Minister with the Chief Executives of all
Public Sector Banks, Insurance Companies and Financial Institutions on 31.07.2014, it has been
directed that banks would strive to set up Brick and Mortar Branches with minimum staff strength of
1+1 or 1+2 in 74,351 villages having population of 2000 or more which were covered by BCs in the
earlier campaign. This can be in a phased manner over a period of 3 to 5 years. All banks in the state
have been advised to take necessary steps in this regard to comply with the directives of the Union
Finance Minister.
RBI vide Lr.No.DBOD.No.BAPD. 6651/22.03.010/2014-15 dated 03.11.2014 advised that, in a
meeting held with Governor, RBI, the Finance Minister of Andhra Pradesh stated that banks should
be urged to open more branches in the rural areas of the divided States as the State needed more
finances, especially for agriculture.
Minutes of the meeting held on 14.08.2015 with RBI, IBA & Six Public Sector Banks by DFS, MoF,
GoI regarding availability of Bank Branches and ATM Network in villages having population more
than 5000:
 RBI was requested to consider issuing specific guidelines for opening of bank branches in
unbanked rural villages having population of more than 5000.
 Initially the unbanked rural villages having population more than 5000 be focused as against
the 5% policy of opening of branches in rural unbanked villages of less than 2000 population
by all the PSBs as against their ABEP. RBI was requested to have a re-look at these guidelines
(RPCD.CO.LBS No. /02.20.05/2012-13 dated February 8, 2013).
 All SLBC convenor banks shall approach the respective State Governments for exploring the
possibility of getting the space for opening of bank branch in such villages by the State
Governments / Village Panchayats.
 The Committee of FIF may consider proposals of PSBs for subsidy from FIF for V-SAT
connectivity due to which banks are unable to open their banking outlets especially in LWE
areas and North east States.
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SLBC of AP
192nd meeting of SLBC
Convener:
 VIP references relating to Bank Branches, etc. referred to SLBCs/Banks should be replied
politely by the concerned SLBCs/Banks to the concerned dignitaries with the outcome of the
surveys promptly within a justified period but not beyond two months.
 As regards, ATM facilities in the areas where rural village population is more than 5000, RRBs
should be encouraged to install ATMs in such areas.
 The participants agreed that the landscape would change significantly with the entry of
payment banks / Small banks.
17.1.4 Online VIP Reference Tracking Module with Banks / SLBC:
Department of Financial Services (Mission Office – PMJDY), Ministry of Finance, Government of India
vide Letter F.No.21(7)/2014-FI dated 19.05.2015 informed that as a continuous effort and an
enhancement of working mechanism under e-governance mission mode project by Department of
Financial Services, an online portal named BOMS (Branch Opening Monitoring System) has been
designed. This module will cater the need of seamless tracking of VIP references received at
Department of Financial Services, MoF in connection with opening of Bank branches, at various
locations in the state.
All the Banks and SLBCs were provided with Login ID so as to enable them to check and take
appropriate action on VIP references forwarded to them.
The system is operationalized w.e.f 01.06.2015.
17.1.5. Installation of ATMs
GoI has advised all Banks including Regional Rural banks to establish onsite ATMs at their branches
to enable the beneficiaries to draw the benefits as per their convenience.
MoF also advised Banks to go for offsite ATMS wherever there is no possibility of provision of site
and other infrastructures readily available at the branch. It is also advised that top priority is to be
given for establishment of ATMs in all identified pilot districts under Direct Benefit Transfer Scheme.
Onsite ATM means ATM installed at the branch or within 500 meters vicinity of the branch and in
case of SBI, ATM of any SBI group of banks located within 500 meters vicinity will be considered as
onsite ATM.
All Banks to ensure that Micro ATMs are to be placed in all BC locations immediately to enable the
DBT beneficiaries to draw the benefits.
75
192nd meeting of SLBC
SLBC of AP
Convener:
Availability of ATMs in the State of Andhra Pradesh:
Quarter ended No. of ATMs
30.06.2014
6204
30.09.2014
6643
31.12.2014
7054
31.03.2015
7143
30.06.2015
7359
30.09.2015
7573
UIDAI – Scheme for deployment of Micro ATMs – extended up to 31.03.2016:
UIDAI has formulated a scheme for deployment of Micro ATMs by banks with special emphasis on
deployment of these micro ATMs in the DBT districts as notified by Government of India from time
to time for Aadhaar enabled payments. As per the details of the scheme, UIDAI will incentivize the
banks upon completion of 2000 successful Aadhaar authentication based eligible Financial
transactions per microATM, subject to a maximum of 5000 microATMs per bank which may be
extended upto 10000 microATMs depending on the performance of the bank.
It is given to understand that the scheme which was hitherto valid from 01.10.2012 to 31.03.2015
has since been extended upto 31.03.2016.
Banks are requested to make utilize of this facility.
17.1.6 Opening of branches in Tribal Areas
The Tribal welfare Department has requested Banks to open bank branches in the following
identified centers where banking services are required:
Sl.
Name of the
No.
District
1 Srikakulam
ITDA
Seethampet
2
Vijayanagaram
Parvathipuram
3
Visakhapatnam Paderu
ITDA Requested Centers
Bhamini(2), Baleru, Hiramanadalam(2), Pathapatnam,
Nandigam, Jayapuram, Kanchili, Nuvvagada,
Saravakota, Jalumuru, Laveru, LN Peta(2), Chorlangi,
Burja, Peddapeta, Sarubujjili
Total = 19
Kedaripuram, Neelakantapuram, RRB Puram, Tumbali,
Madalingi,
Pedasekha,Sambara,
,
Mosuru,
Panukuvalasa, Pachipenta
Total = 10
Ananthagiri/Damuku, Pinakota, Borra, Lambasingi,
Annavaram, Araku, Dumbriguda(2)*, GK Veedhi(2)*,
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SLBC of AP
4
East Godavari
5
West Godavari
6
Prakasam
7
Kurnool
8
Guntur
9
Srikakulam
192nd meeting of SLBC
Convener:
Pedavalasa, Nurmathi, rallangiput, G.Madugula,
Bakuru/G.Boddaputtu,
Mottojoru,
Koyyuru(2),
Downuru, Vantlamamidi, Gamparai, Pedabayalu,
Munchingiput(2), Kilagada
Total = 25
Rampachodavaram Rampachodavaram(2), Maredumilli, Devarapalli,
Thantikonda, Rajavommangi*, Y.Rayavaram
Total = 7
K.R.Puram
Jeelugumilli / Mulagalampalli,
Ankannagudem
Total = 2
Srisailam
Yachavaram, Indiranagar, Ardhaveedu, Chintala,
Pragallapsdu(2),
Chintalamudipi,
Murikimalla,
Garapenta, Murikimalla
Total = 10
Srisailam
D.Vanipenta, Chagalamarri, 80 Bannuru, Jupadu
Banglaw(2), Sivapuram, Yerramatam, Kothapalli,
Pagidyala(2),
Vempenta,
Pamulapadu(2),
Harinagaram,
Rudravaram,
Panyam
Chenchu
Colony(2), Narapureddykunta, B.Atmakur, Mahanandi
Total = 20
Srisailam
Durgi*, Loyapally, Veldurthy, Remidicherla, Bollapalli,
Karampudi*, Manchikallu, Rentachinthala(2)*
Total = 9
Seethampet
Bhamini(2), Baleru, Hiramanadalam(2), Pathapatnam,
Nandigam, Jayapuram, Kanchili, Nuvvagada,
Saravakota, Jalumuru, Laveru, LN Peta(2), Chorlangi,
Burja, Peddapeta, Sarubujjili
Total = 19
*Branches are functioning and ITDA is requesting for another branch
All Banks and LDMs are advised to explore the possibility of opening more number of branches in
the Tribal concentrated areas and cater the financial needs of the people in those areas. LDMs are
advised to place the issue in the DCC meetings.
Controllers of Banks & LDMs are requested to inform the status to SLBC as and when a new branch
has been opened in the above centres.
77
192nd meeting of SLBC
SLBC of AP
17.2
Convener:
National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan Yojana (PMJDY):
17.2.1 Progress on Number of Accounts opened under PMJDY (16.08.2014 to 24.11.2015)
No. of Accounts
S.
No
1
2
3
Type of Bank
Rural
PSBs
RRBs
Private sector
Total (1+2+3)
Urban
2735754 2570313
1319502 338157
41867 125832
4097123 3034302
Total No.
of
Accounts
5306067
1657659
167699
7131425
No. of
Accounts
with Zero
Balance
2055218
779195
54628
2889041
No of
Rupay
Debit Cards
Issued
4479736
1212102
123264
5815102
Balance in
PMJDY
Accounts (in
Lakhs)
47790.65
11139.81
3694.41
62624.87
Reserve Bank of India vide letter FIDD.CO.LBS.No.10146/02.20.005/2014-15 dated 21.05.2015
informed that an analysis of all India financial inclusion data of BSBD accounts indicates that the
number of transactions per account through BC outlets are very low. The success of financial
inclusion depends on efficiency of BC mechanism at the ground. In this regard banks are requested
to ensure the availability of BC services to enable transactions in the newly opened accounts.
17.2.2. Deployment of Bank Mithras:
Banks have to complete the process of deployment of Bank Mitras in all the pending locations.
Wherever bank mitras are appointed, banks have to ensure that they work from a fixed point
location with online interoperable devises at the earliest so that the benefits of PMJDY can reach to
the beneficiaries.
The list of bank mitras as per the proforma along with photographs & contact details are to be
placed in the bank’s website and the same is to be shared with SLBC to place in SLBC’s website.
Each SSA (Sub Service Area) to be covered by individual Bank Mitra: Mission office, PMJDY vide
mail dated 04.03.2015 informed that as per the definition of the SSA and coverage for banking
access, mentioned in the Mission Document “All the 6 lakh villages across the entire country are to
be mapped according to the Service Area of each bank to have at least one fixed point banking
outlet catering to 1000 to 1500 households, called as Sub Service Area (SSA). It is proposed that SSAs
shall be covered through a combination of banking outlets i.e. Branch banking and branchless
banking. Branch banking means traditional Brick & Mortar branches. Branchless banking comprises
of fixed point business correspondents agents, who act as representative of bank to provide basic
banking services”.
Banks are advised to adhere to the guidelines and appoint one and only one Bank Mitra to cover a
SSA.
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SLBC of AP
192nd meeting of SLBC
Convener:
Payment of Remuneration to Banking correspondents under PMJDY: Department of Financial
Services, Ministry of Finance, Government of India vide letter F.No.21(15)/2015-FI (Mission Office)
dated 16.02.2015 informed that deployment of fully functional BCs is pivotal to the success of
Pradhan Mantri Jan Dhan Yojana which envisages universal access of banking to all. As per the
Mission document, BCs should be adequately compensated (minimum Rs.5000 fixed plus variable
component) to ensure their viability and operational efficiency.
Solar powered V-SAT connectivity to Kiosk/Fixed CSPs in the Sub Service Areas – Support under
FIF: NABARD vide letter no NB.DFIBT/14041-14069/CBS-65/2015-16 dated 29.10.2015 (Circular No
231/DFIBT-32/2015) informed that it has been decided to provide support under FIF for setting up of
solar powered V-SAT to Kiosk/ Fixed CSPs to enable the connectivity to reach the unconnected areas
of the country for widening Financial Inclusion.
In this regard, controlling authorities of banks which are facing the connectivity problems in their
allotted SSAs are requested to take advantage of the scheme for reaching the unconnected areas.
Further, controllers are requested to send the proposals along with necessary enclosures as
mentioned in NABARD letter, to the Regional Office, NABARD, Hyderabad before 31 st January 2016
to get the support under FIF.
SLBC has already communicated these guidelines to the controlling authorities of all banks & LDMs
vide Lr.No.666/30/322-P/483 dated. 07.11.2015.
17.2.3: Providing Basic Banking Accounts with overdraft facility and Rupay Debit card & Pass books
to all households:
As per the guidelines issued by Department of Financial Services, banks have to focus on issuance
of Rupay Cards to all accounts opened. A wide gap is observed between the accounts opened and
Rupay cards issued. DFS has advised to deliver them in camp mode and clear the pendency at the
earliest.
It is observed that account holders are complaining that they have not been issued Pass book for
their accounts opened by the branches. Banks also should focus on issue of pass books and
pendency is to be cleared on war footing.
IBA vide Letter No.PS&BT/Govt./1184 dated 13.01.2015 informed that Over Draft facility is one of
the features under Pradhan Mantri Jan-Dhan Yojana (PMJDY). Under the PMJDY, banks may consider
providing the:
i.
Over Draft up to Rs.5000/- after six months of satisfactory performance of savings / credit
history
ii.
The facility to be made available to only one account in a household, preferably to a lady
member of household.
79
SLBC of AP
iii.
192nd meeting of SLBC
Convener:
Government has decided to make available the overdraft facility to PMJDY account
holders. This facility will also be extended to the accounts opened prior to PMJDY and
that have been tagged under the Yojana.
RBI vide Circular No. RBI/2014-14/477 dated 25.02.2015 informed that it has been decided that
overdrafts extended by banks upto Rs.5,000/- in Pradhan Mantri Jan-Dhan Yojana (PMJDY) accounts
will be eligible for classification under priority sector advances (‘others’ category) as also weaker
sections, provided the borrowers household annual income does not exceed Rs.60,000/- for rural
areas and Rs.1,20,000/- for non-rural areas.
Department of Financial Services (CP/RRB Division), Ministry of Finance, Government of India vide
letter F.No.27/01/2015-CP/RRB dated 14.05.2015 informed that the overdraft amount of Rs.5,000
sanctioned under PMJDY may also be classified as MUDRA loans under Pradhan Mantri Mudra
Yojana (PMMY).
17.2.4. Rupay Insurance Program 2015-16:
NPCI vide circular Rupay/2015-16/025 dated 24.11.2015 informed that NPCI has extended 45 days
usage condition to 90 days for Rupay Classic cardholders with effective from 25.11.2015. It may be
noted that 45 days usage condition will remain unchanged for Rupay Platinum Cardholders.
Accident arising on or after 00:00:01 25.11.2015 will only be considered for extended period. Claim
intimations on Rupay Classic cards where accident has occurred before 23.59.59 24.11.2015 will not
be eligible for claim benefit under 90 days usage condition. Such cases will be reviewed in light of
the 45 days usage condition only.
Controlling authorities of all banks are requested to make the necessary disclosure of this
information to all Rupay cardholders and to branches under their control.
17.2.5 Progress report - Number of Enrollments under Social Security Schemes as on 24.11.2015
Type of Bank
PMSBY PMJJBY
APY
Total
PSBs
4651047 1040065 35430 5726542
Pvt. Sector Banks
236031
60864 1333 298228
RRBs
1196565 299322 5590 1501477
Co-operative Banks
989
611
0
1600
Grand Total
6084632 1400862 42353 7527847
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SLBC of AP
192nd meeting of SLBC
Convener:
17.2.6 Progress under Suraksha Bandhan scheme as on 30.11.2015
Type of Bank
PSBs
Pvt. Sector Banks
RRBs
Co-operative Banks
Grand Total
Suraksha Deposit
Scheme (Rs.201/-)
31978
7
14159
0
46144
Jeevan Suraksha
Deposit Scheme
(Rs.5001/-)
1428
2
262
0
1692
Jeevan Suraksha
Gift Cheques
(Rs.351/-)
749
0
3760
0
4509
Total
34155
9
18181
0
52345
17.2.7 Capacity Building of Bank Mitra/Business Correspondents & Business Facilitators
(BM/BC/BFs):
Minutes of VC Meeting convened by Joint Secretary (FI) with Public Sector Banks (PSBs) / Pvt. Sector
Banks on 21.10.2015 and by Director (FI) with five Public Sector Banks on 19.10.2015 to review
progress being made in Pradhan Mantri Jan-Dhan Yojana (PMJDY), APY & Progress in MUDRA, the
directions given to banks with regard to certification of Bank Mitras are as under:
 All banks were advised to ensure certification of Bank Mitras by 31 st December 2015.
 Banks were informed that they can also conduct in house certification of Bank Mitras in line
with the course curriculum developed by IIBF.
 Director (FI) directed all banks to adhere by the timelines / roadmap submitted to mission
office for BC certification.
17.2.8 Telecom connectivity issues: SLBC has furnished the details of villages / SSAs having telecom
connectivity issues to DFS and also to TERM cell. TERM Cell has furnished the coverage status of TSP
in those centres. They requested Banks to utilize the services of these TSPs since they are providing
good connectivity in these areas.
During Co-ordination meeting held on 08.04.2015 with SLBC, Banks, TSPs on Telecom connectivity
issues in connection with implementation of PMJDY in Andhra Pradesh Sri. P.V. Puranic, DDG TERM
Cell AP informed that list of villages supplied by the SLBC have been got surveyed by TSPs and Signal
coverage status is indicated against each village. If one operator’s signal is poor, user can switch over
to the other operator present there, whose signal strength is good enough, while doing this, Bank
can call telecom operator along with BC. It was impressed to explore possibility of using supportive
gadgets like signal booster to improve the signal strength so that telecom connectivity can be
established.
TERM Cell representative is requested to identify the areas where there is no connectivity and make
necessary arrangements to provide/improve the connectivity.
As on date SLBC requested TERM cell to provide the Connectivity Status in 722 locations in the state
of Andhra Pradesh. TERM Cell informed that TSPs are having coverage in 652 locations and
information will be shared for the remaining 70 locations shortly.
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SLBC of AP
192nd meeting of SLBC
Convener:
17.2.9. Minutes of VC Meeting with State Mission Directors and SLBC conveners of States on
19.11.2015 to review progress being made in Pradhan Mantri Jan-Dhan Yojana (PMJDY),
PMJJBY, PMSBY, APY and PMMY:
 To take steps to increase availability of RuPay cards and PINs with the account holders by
organizing Camps for distribution of cards and PINs sensitizing on use of cards, and the
insurance benefit attached to it.
 Spreading of Bank Mitr network beyond the conventional model, to include others like SHGs
etc. as prescribed in RBI guidelines is the need of the hour as it is not feasible to set up brick
and mortar branches at all places.
 State Government to actively participate and provide all necessary support to banks in
organizing financial literacy camps for distribution of pending RuPay cards and PINs &
activation of cards and sensitization on the importance of swiping the card to keep the
insurance cover live.
 All banks were directed to ensure that by the end of December ’15 all banks Mitrs are
deployed with fully compliant devices capable of RuPay card and AEPS based transactions.
 States were advised to use Grameen DakSevaks of Postal Department to provide banking
facilities to the last mile, wherever the facility is available.
 On issuance of RuPay cards to existing account holders, SLBC / Banks need to issue RuPay
cards to exiting accountholders by submitting a simple application at the concerned bank
branch
17.3 Credit plus activities
17.3.1. Financial Literary Centers (FLCs)- Position in A.P
RBI Vide their Cir.No.RPCD.FLC.No.12452/12.01.018/2011-12, Dt. June 6, 2012 advised that:
All Lead banks to set up FLCs in all its LDM offices and the existing FLCC will continue. Financial
Literacy activity is to be taken up by all rural branches. RBI has already clarified that the erstwhile
FLCCs are also to be termed as FLCs henceforth.
Position in Andhra Pradesh:
Particulars
Number of FLCCs operating in the District Head Quarters
Number of FLCCs operating in Lead District Offices
No. of FLCs
13
10
Number of FLCCs operating in Divisional Head Quarters
27
Total
50
(Detailed statement enclosed as Annexure-29)
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SLBC of AP
192nd meeting of SLBC
Convener:
The Mission Document released by the Department of Financial Services, MoF, GoI on PMJDY clearly
emphasized that Financial Literacy would be an integral part of the Mission in order to let the
beneficiaries make best use of the financial services being made available to them and it is one of
the 6 pillars of the Mission Mode Objective of PMJDY. An important aspect of PMJDY is setting up
FLCs at block level and expands the scope of financial literacy with focus on people availing credit
from the formal financial system and coming out of the exploitation by informal financial system.
Controlling authorities of all banks are requested to initiate steps for opening of the FLCs as per the
allotment. LDMs are advised to monitor the progress during DCC meetings.
Spread of Financial Literacy in Government approved Industrial Training Institutes (ITIs).
The Department of Financial Services, MoF, GoI have communicated their decision to launch a
financial literacy drive to educate students of Government & Private run Industrial Training
Institutes (ITIs) , Vocational Training Partners (VTPs) & Operational Centers (OC) in the country with
a focus on various avenues / schemes available for financial support in self-employment.
Mapped FLCs will be responsible for imparting financial Literacy to the students of associated ITIs
accordingly. As FLCs are managed by the banks concerned, it has been advised to monitor and report
the progress in their respective FLCs to Mission Office of PMJDY, MoF, GoI.
The Financial Literacy Material finalized by the Mission Office and translated in the Vernacular
language by SLBC for the proposed training has been sent to the banks. We request the banks to get
the material printed in sufficient quantity and ensure its distribution to their respective FLCs.
Availability of standardized Financial Literacy material of RBI at Financial Literacy Centres (FLCs):
Reserve Bank of India vide letter FIDD(H)/FI&FL/1424/07.07.001/2014-15 dated 02.06.2015
informed that from the workshops organized by RBI and CAB Pune for Counselors of Financial
Literacy Centres, it was observed that FLCs were not using standardized financial literacy material of
RBI for conducting FL camps. Counselors informed that they had not received financial literacy
material from their Controllers. Controlling offices of banks may be advised to make available
adequate copies of standardized financial literacy material of RBI to FLCs in the State for organizing
FL camps.
Financial Literacy activity by rural branches and FLCs:
The Financial Literacy Centres (FLCs) both in Districts and LDM offices opened by the Banks are
meant to take up Financial Literacy activities on a regular basis but it was observed that activities
were not conducted on the pretext that the councilors are not available.
RBI, RO, Hyderabad vide letter no. RPCD (H)/FI&FL/116/02.03.031/2013-14 dated 22.07.2014
(Circulated to all controllers and LDMs vide our letter no. 666/30/306/304 dated 02.08.2014) has
advised all banks to scale up the Financial Literacy activities by the Rural Branches and FLCs through
conduct of Financial Literacy camps at least once a month to facilitate financial inclusion. In this
regard it is advised as follows:
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SLBC of AP
192nd meeting of SLBC
Convener:
 All FLCs and rural branches should prepare an annual calendar of locations for conduct of
Outdoor financial literacy camps.
 At every location, the program should be conducted in three stages to be spread over a period
of three months comprising three sessions of minimum two hours each in terms of RBI circular
dated 31.01.2013.
 Standardized Financial Literacy Material comprising Guide, Diary and Posters (Set of 16 Posters)
has been issued to the controllers of all banks by SLBC for onward distribution among their rural
branches and FLCs, which can be used for organizing literacy camps. While organizing outdoor
financial literacy camps, all sixteen posters must be prominently displayed for attracting the
attention of the audience.
 FLCs and Rural Branches should inform the Lead District Officer (LDO) of RBI about organization
of outdoor financial literacy camps well in advance to enable them to attend some of the camps.
 Quarterly progress reports as at the end of every quarter should be submitted as per Annex-I for
the activities undertaken by FLCs and as per Annex-II for the activities undertaken by the Rural
Branches and these reports should be submitted to SLBC by the 10th of the succeeding month of
the end of the quarter for consolidation and onward submission to RBI.
As per draft guidelines issued by the Department of Financial Services, MoF, GoI, on implementation
of Comprehensive Financial Inclusion Plan, a lot of importance has been attached to Financial
Literacy and banks have been advised to undertake Financial Literacy campaigns in a big way to
prepare the people for financial planning and availing credit. It is important that the people are
made aware of the advantages of the access to formal financial system, savings, credit, importance
of timely repayments and building up a good credit history. This has to be achieved by setting up
FLCs at the block level and expand the scope of financial literacy with focus on people availing credit
from the formal financial system and coming out of the exploitation by informal financial system.
All Banks are advised to give suitable instructions to all their rural branches to take necessary steps
in this regard and ensure submission of progress made to RBI and SLBC.
Report of conduct of Financial Literacy camps by Rural Branches for Quarter ended September, 2015
is enclosed as Annexure No.30
Report of Financial Literacy activities conducted by FLCs for the quarter ended September, 2015 is
enclosed as Annexure No.31
17.3.2. Rural Self Employment Training Institutes in Andhra Pradesh & Andhra Pradesh
Bankers Institute of Rural Entrepreneurship Development
SLBC has constituted a Subcommittee for strengthening the RSETI implementation machinery and
the committee will meet once in a quarter to review the progress of RSETIs and latest meeting was
convened on 31.08.2015.
Statement of performance of RSETIs as on 31.10.2015 is enclosed as Annexure No.32
84
192nd meeting of SLBC
SLBC of AP
Convener:
Status of allotment of Lands for RSETIs:
There are 15 RSETIs are functioning in the state of Andhra Pradesh. Allotment of site to RSETIs for
construction of own building is pending at Guntur (Andhra Bank RSETI), Chittoor (Indian Bank RSETI)
and Tirupathi (Andhra Bank RSETI). The allotment of site to RSETIs located at Machilipatnam (Andhra
Bank RSETI), Srikakulam (Andhra Bank RSETI) and Visakhapatnam (SBI RSETI) is under process.
Government is requested to expedite the process of allotment.
Reimbursement of pending claims of expenditure to Institutes:
Presently expenditure claims pertaining to the financial years 2011-12, 2012-13 and 2013-14 are still
pending for reimbursement to the institutes.
The details of institute-wise and year-wise position of pending reimbursement of claims as at the end
of August, 2015 are as under:
(Amount in Rupees)
Name of the
Sponsoring
Bank
Name of the
RSETI
West Godavari
Guntur
East Godavari
Srikakulam
Andhra Bank Tirupati
Nellore
Rajam
Krishna
Total
Anantapuram
RUDSETI
Prakasam
Total
Visakhapatnam
State Bank
Vizianagaram
of India
Total
Kadapa
Syndicate
Kurnool
Bank
Total
Chittoor
Indian Bank
Total
Grand Total
2010-11
2011-12
0
0
0
0
0
0
0
0
0
0
2182050
2182050
0
0
0
0
0
0
0
0
2182050
3690000
385794
2843800
0
0
0
0
3060000
9979594
144000
2211100
2355100
0
0
0
213107
0
213107
0
0
12547801
Amount of claim pending reimbursement
2015-16
2012-13
2013-14
2014-15
(up to
Total
August)
1421000
3868600
2385000
924000
12288600
1311758
2808600
2570400
704400
7780952
1755800
4099800
3796800
1078600
13574800
0
3503200
3031000
1098600
7632800
456752
2757800
2778600
890000
6883152
1232600
3116800
3094800
1260000
8704200
4073041
7952047
6810559
1627000
20462647
1409000
2435000
2752400
752000
10408400
11659951 30541847 27219559
8334600
87735551
342800
2042400
2347200
417000
5293400
450712
2273600
2413800
905000
10436262
793512
4316000
4761000
1322000
15729662
808000
2592200
2277000
529000
6206200
1060000
2538800
2353600
668000
6620400
1868000
5131000
4630600
1197000
12826600
463600
1824800
1726000
572800
4800307
823200
2367200
2058600
659000
5908000
1286800
4192000
3784600
1231800
10708307
646000
1417600
1537600
971600
4572800
646000
1417600
1537600
971600
4572800
16254263 45598447 41933359
13057000 131572920
(Source: State Project Coordinator, NAR, MoRD, AP State)
85
SLBC of AP
192nd meeting of SLBC
Convener:
Renaming LAC of RSETIs as District Advisory Committee of RSETIs:
Ministry of Rural Development (NRLM Division), Government of India vide Lr.No.I-12011/27/2013NRLM (RSETI) dated 20th January, 2015 directed to state that consequent upon the reconstitution of
the Local Advisory Committee (LAC) of RSETIs with the District Collector as Chairperson (vide this
Ministry’s communication of even number dated September, 2013), the issue of renaming the LAC,
so that the new name can convey the importance of RSETIs, was under active consideration of this
Ministry. It has now been decided by the Competent Authority that the LAC be renamed as District
Level RSETI Advisory Committee (DLRAC). As such, henceforth, the LAC shall be termed as DLRAC in
all the official communications.
Change in the designation of Chief Project Coordinator and State Project Coordinator:
Director, Monitoring Cell for RSETIs vide letter Ref.No.2347/MC-NAR/2015-16/F-50/RS dated
26.08.2015 informed that Ministry of Rural development, Government of India has changed the
designation of Chief Project Coordinator as National Director for RSETIs (NDR) after recognizing the
criticality of the assignment and enhanced responsibilities. Similarly, the designation of State Project
Coordinator has also been changed as State Director for RSETIs (SDR).
All banks are requested to take note of the change for future communications.
17.3.3. APSLBC CALL CENTRE
Functioning of APSLBC Call Centre on behalf of all Banks for the purpose of providing guidance to the
Public on Financial Inclusion - Opening of bank accounts and Seeding of Aadhaar numbers
i) As per Guidelines of MoF, SLBC has opened a Call Centre on 10.12.2012 on behalf of all Banks in
the State of Andhra Pradesh as a part of Financial Inclusion for opening of bank accounts of
households and migrant labors.
ii) As per the instructions of MoF, the call centre is receiving grievances from the public in
implementing PMJDY scheme and functioning as PMJDY call centre with caller tone of PMJDY.
iii) APSLBC Call centre will function from 9.30 A.M. to 5.30 P.M.
iv) The call centre is attending the queries from the public related to opening of bank accounts, KYC
compliance, seeding of Aadhaar numbers, Education Loans, agricultural loans and many other
general issues/problems of banking for which call centre is giving guidance.
v) It is agreed by all public sector banks to share the expenditure in proportion of their branch
network in the state.
It is advised that State level grievance redressal mechanism is to be established at state level. SLBC
AP call centre was designated for receiving the grievances in implementation of PMJDY. Accordingly
staff at the call centre was given orientation by SLBC.
86
SLBC of AP
192nd meeting of SLBC
Convener:
DFS advised SLBCs during VC, to deploy additional staff at call centres as they are expecting in good
number of calls due to launching of 3 new Social Security Schemes. Accordingly SLBC has deployed 3
additional staff till December, 2015 with two shifts per day i.e from 7.00 AM to 2.00 PM & 2.00 PM to
9.00 PM including holidays.
As per the directions of DFS, Call Centre has been entrusted with the job of making verification calls
of Bank Mitras operating in the state.
As per the directions of DFS, MoF, SLBC of AP has enabled a separate Toll Free Number i.e.1800 425
1525 exclusively for MUDRA for grievance redressal at AP SLBC Call Centre in Andhra Bank, Head
Office, Hyderabad.
AGENDA- 18
LEAD BANK SCHEME
18.1 Implementation of High level Committee Recommendations:
In order to strengthen the system it is requested that;







Banking channels are to be provided in all Sub Service Areas mapped
More Financial Literacy campaigns have to be taken up by rural branches
Relocating the branches closed/shifted due to security reasons in the past to their original places
Extending of credit to RSETI trained candidates
Industry Associations are being used in the entrepreneurship education programmes.
Education loan target set by the Ministry of Finance should be achieved
State Government to ensure conducive law and order situation, adequate security,
uninterrupted power, water supply and irrigation facilities wherever required.
18.2 Conduct of meetings under Lead Bank Scheme:
Based on the recommendations of the High Level Committee of RBI to review the Lead Bank
Scheme, a list of relevant agenda points to be discussed by the DCC which need to be adopted
commonly by all Lead Banks was placed as annexure in agenda item of 181 st SLBC meeting.
All LDMs are advised to:
1) Conduct DCC/DLRC meetings for all four Quarters of the financial year invariably.
2) Communicate the schedule and agenda of the meetings to RBI & SLBC in advance.
3) Adhere to the schedule fixed for conducting the meetings
4) Adopt uniform agenda for discussion
5) Include certain important subjects of current relevance in the agenda points for discussion in
the meeting.
6) Submit minutes of the meeting to SLBC within a week of completion.
87
SLBC of AP
192nd meeting of SLBC
Convener:
18.3
Modified Information System under Lead Bank Scheme - Strengthening of Management
Information System (MIS):
Reserve Bank of India Vide their Cir. No.RBI/2012-13/450, RPCD.CO.LBS.BC. No. 68/02.01.001/ 201213, dated March 19, 2013, in order to maintain consistency and integrity of data with the all India
data of Scheduled commercial banks and meaningful review/analysis of data, RBI felt that the ACP
and FIP data needs to be grouped separately for Scheduled Commercial Banks and other banks like
State Cooperative banks & DCCBs etc., while presenting in the DCC/SLBC meetings and submitting to
their Regional Offices. The data of Scheduled Commercial Banks needs to be further grouped into
Public Sector Banks, Private Sector Banks and Regional Rural Banks to know the bank group wise
position.
SLBC has already communicated the above guidelines of RBI vide Lr.No.666/30/213/1902,
dt.20.03.2013 to the Controlling Authorities of all Banks and Lead District Managers and advised
them to follow the guidelines scrupulously.
18.4. Attendance in JMLBC/DLRC/DCC Meetings:
All Banks are advised to attend all JMLBC/DLRC/DCC meetings regularly and ensure 100% attendance
in the meetings and participate in the deliberations.
LDMs are advised to maintain the attendance of meetings and inform the absentees to their
controlling authorities and still not responded may be brought to the notice of the SLBC for taking up
the matter at the appropriate level.
It is brought to the notice of SLBC that in some districts due to non participation by the controllers of
banks and representatives of Banks DCC/DLRC meetings were postponed by the District Collectors.
This is a very serious concern and all banks are advised to take corrective steps and ensure
attendance in JMLBC/DCC/DLRC meetings.
18.5. Information to be submitted quarterly by Banks and LDMs:
All Banks and LDMs are advised to submit the quarterly information to be submitted to SLBC within
15 days from the end of the respective quarter to enable the SLBC to consolidate the position and to
convene the SLBC meetings as per schedule.
The delay in submission leads to delay in conducting of SLBC meetings. Hence, All banks and LDMs
are advised to submit the data well on time to adhere to the time schedule of SLBC meetings
smoothly.
18.6 Communicating the Decisions taken at SLBC level to the branches by the Controlling
Authorities:
It is brought to the notice of SLBC by GoAP and many LDMs that the decisions taken at the SLBC /
Steering Committee / Sub-committee level are not being percolated to the branches by the
respective controlling offices which creating a big vacuum in the implementation of guidelines.
88
SLBC of AP
192nd meeting of SLBC
Convener:
All Banks are advised to percolate the decisions taken at the SLBC level immediately to their
branches to enable them to implement at the field level by the branches.
All LDMs are also advised to circulate the guidelines given to them by SLBC, to the branches in their
district to enable them to implement the same and also place before DCC/DLRC meetings to initiate
suitable action for implementation.
18.7. Strengthening of LDM’s Office:
It is observed that the Office of LDMs are yet to be provided with the necessary Staff, Computers,
Vehicles, Independent Offices, etc. The Ministry of Finance, GoI and RBI have been regularly
reviewing the position and advising SLBC and the Controlling Authorities of Lead Banks to initiate the
required steps for improving the infrastructure at LDM offices.
Controlling Authorities of Lead banks are requested to provide the necessary infrastructure at LDM’s
Office for effective functioning.
89
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 19
Overdue/NPA position
19.1 Overdue / NPA position as on 30.09.2015 under various sectors (Priority)
Outstanding
Sector
Short Term Crop
Production
Advances
Agrl.Term Loans
Including Agrl.
Allied Activities
Advances
Total Farm Credit
Agriculture
Infrastructure
Ancillary
Activities
Total Agriculture
Advances
MSME Sector
Advances
Export Credit
Others under
Priority Sector
Advances
Total Priority
Sector Advances
Non-priority
sector loans
Total Advances
Housing Loans
Advances
Education Loans
Advances
Self Help Groups
Advances
No. of
a/cs
(Rs. in Crores)
Non – Performing
Assets
Overdue
No. of
Amount overdue
accounts
Total
balance in
overdue
accounts
Actual
overdue
amount
No. of
accounts
Amount
8678150
64131
2457997
17108
17108
526691
3238
1780666
24146
564038
6372
3122
271899
2069
10458816
88277
3022035
23480
20230
798590
5307
3058
523
1191
157
76
533
55
30253
2615
1668
429
139
582
92
10492127
91415
3024894
24066
20445
799705
5454
907399
38034
217881
7510
4315
103236
2477
188
904
2
0.53
0.42
0
0
886160
25826
146259
5041
1362
62584
1001
12285874
156179
3389036
36617
26123
965525
8932
3451501
64116
377982
10866
5484
165862
4294
15737375
220295
3767018
47483
31607
1131387
13226
346734
17986
76970
3945
850
32678
550
143718
3309
24625
601
250
11180
204
801429
14695
165355
2736
1021
62773
828
(The figures are indicative as the data has not been received from all member banks)
90
192nd meeting of SLBC
SLBC of AP
Convener:
Sector wise Actual Overdues as on
30.09.2015
Others under
Priority
4%
Non Priority
17%
MSME
14%
Agriculture
65%
Sector wise NPA Position as on 30.09.2015
Non Priority
32%
Others under
Priority
8%
Agriculture
41%
MSME
19%
91
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA- 20
Regional Rural Banks
The main focus of Regional Rural Banks is to extend credit to Agriculture and Allied activities in rural,
semi urban and urban areas. RBI, NABARD and Sponsored Banks are reviewing the performance of
RRBs at regular intervals.
20.1
Performance of Regional Rural Banks on important parameters
Bank Net Work
S. No Name of the RRB
1
2
3
4
APGVB
APGB
CGGB
SGB
Total
No. of Branches No. of Branches No. of Branches
as on 30.09.2014 as on 31.03.2015 as on 30.09.2015
230
254
254
453
470
482
147
158
170
165
170
173
995
1052
1079
Deposits:
S. No
1
2
3
4
Name of the RRB 30.09.2014 31.03.2015
APGVB
2252.52
2563.65
APGB
6652.32
7813.24
CGGB
1645.59
2186.21
SGB
2802.15
3087.03
Total
13352.58
15650.13
(Rs. In crores)
30.09.2015
3180.19
8635.57
2447.19
3499.94
17762.89
Advances
S. No
1
2
3
4
Name of the RRB 30.09.2014
APGVB
2063.92
APGB
7876.92
CGGB
2520.54
SGB
3669.27
Total
16130.65
(Rs. In crores)
31.03.2015 30.09.2015
2237.85
2262.11
7321.74
8106.92
1993.83
2372.72
3393.26
3255.82
14946.68
15997.57
92
192nd meeting of SLBC
SLBC of AP
Convener:
CD Ratio
S. No Name of the RRB 30.09.2014 31.03.2015 30.09.2015
1
APGVB
91.63
87.29
71.13
2
APGB
118.41
93.71
93.88
3
CGGB
153.17
91.20
96.96
4
SGB
130.94
109.92
93.03
CD ratio of all RRBs
120.81
95.51
90.06
Total Advances
S.
No
1
2
3
4
Name of the
RRB
APGVB
APGB
CGGB
SGB
Total
30.09.2014
2063.92
7876.92
2520.54
3669.27
16130.65
Outstanding
31.03.2015 30.09.2015
2237.85
2262.11
7321.74
8106.92
1993.83
2372.72
3393.26
3255.82
14946.68
15997.57
(Rs. In crores)
Total Agriculture
30.09.2014 31.03.2015 30.09.2015
1213.18
1267.35
1488.49
5289.60
5618.42
6114.63
2159.54
1621.30
2020.60
2601.19
2495.65
2401.06
11263.51
11002.72
12024.78
Short Term Crop Production Loans
S. No Name of the RRB
1
2
3
4
APGVB
APGB
CGGB
SGB
Total
(Rs. in crores)
Short Term Production Loans
30.09.2014 31.03.2015 30.09.2015
703.15
619.28
727.02
3613.83
2931.63
3490.37
1759.06
1306.27
1604.73
1959.65
1669.61
1689.71
8035.69
6526.79
7511.83
93
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA -21
21.1 Progress on filing of Equitable Mortgage Records on CERSAI as on 30.09.2015:
Type of Bank
1
PSBs
Pvt. Sector Banks
RRBs
Co-operative Banks
Others
Total
Total number of Equitable
Mortgages taken by the
Banks from its Borrowers
during the Quarter
2
7534
1853
434
18
0
9839
No. of records
uploaded on
CERSAI Portal
during Quarter
3
7302
1764
390
18
0
9474
Of (3) No of
Subsisting
Mortgages
4
118
35
10
0
0
163
(The figures are indicative as the data has not been received from all member banks)
Bank wise progress in filing of Equitable Mortgage records on CERSAI is placed as Annexure No.41
CERSAI vide letter CERSAI/DR/2015-955 dated 03.08.2015 informed that CERSAI was established
with the purpose of helping the banks to avert fraud by way of multiple financing against the same
property. However, with the experience gained and feedback received during various meetings and
training programmes conducted by CERSAI, it was observed that the possibility of fraud was not fully
averted due to following reasons.
 Data entry errors by the users in banks
 Due to delay in registering the mortgaged property on CERSAI portal by the lenders. As
SARFAESI Act permits the lenders to register their charge on CERSAI within 30 days of
creation of charge the fraudster gets an opportunity to defraud the banks by availing loans
from different banks during this window of 30 days. This 30 days window is very crucial as
during this period some other banks may also finance against the same property in the
absence of any records having been registered on CERSAI portal.
Both the above probabilities can be extinguished if the CERSAI portal is integrated with the Core
Banking System (CBS) or the Loan Originating System (LOS) of the bank. This will however, require
aligning the data structure in CBS/LOS in respect of mortgages with the data structure of CERSAI.
Hence, CERSAI recommended that the banks should take immediate steps to align and electronically
integrate their loan management or core banking system with the CERSAI portal.
Further, CERSAI suggested that the asset ID created by the CERSAI system should be captured in the
loan master details at the bank, as it will help the auditors of the bank to check whether the
property has been registered at CERSAI and also in reproducing the details of the mortgage at any
point of time.
94
SLBC of AP
192nd meeting of SLBC
Convener:
CERSAI vide letter CERSAI/DR/2015/SLBC-1000 dated 04.09.2015 informed that CERSAI has now
enabled the provisions for generating the State wise data of registration in CERSAI for use of the
Banks in SLBC meetings.
The primary user of the respective banks can download the subject report using the link =>
Reports => Statewise Registration Report in the CERSAI portal periodically for any quarter.
AGENDA -22
22.1 Circulars issued by RBI
i)
RBI/2015-16/241, FIDD.CO.Plan.BC.13/04.09.01/2015-16, dt.18.11.2015 issued guidelines
with regard to Priority Sector Lending – Targets and Classification.
ii)
RBI/2015-16/257, FIDD.CO.Plan.BC.No.14/04.09.01/2015-16, dt.03.12.2015 issued
guidelines with regard to Regional Rural Banks - Priority Sector Lending – Targets and
Classification.
iii)
RBI/2015-16/200, DBR.BP.BC.No. 44 /08.12.015/ 2015-16 dt.08.10.2015 issued guidelines
with regard to Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios.
95
192nd meeting of SLBC
SLBC of AP
Convener:
AGENDA -23
Rural Self Employment Training Institute (RSETI) Success Stories
23.1 Success Story from ABRSETI, SRIKAKULAM
Name of the
Trainee
Father Name
:
Kum Busi. Tejeswari Devi
Sponsor
:
ABRSETI, Srikakulam
:
Shankar Rao
Date
:
From 09.02.15 to
10.03.15
Address
:
APHB Colony, Opp Zilla
Parishad, Srikakulam
Activity
Fashion Designing
Date
of
Commencement of
Unit
Project Cost
294-09
Bank Finance
name of the Bank &
branch
Name of the
Training
Programme
Batch No
:
:
Net Income
:
Tailoring
:
05.09.2015
:
Rs. 45,000/-
:
Rs. 30,000/Andhra
Bank,
Collectorate Branch,
Srikakulam.
Rs. 6,500/-
:
Kum B.Tajeswari Devi, D/o Shankara Rao, resident of Srikakulam. Her parents were blessed with 3
children and she is the middle. Her father running a tailoring shop in APHB Colony,Srikakulam. Kum
Tajeswari Devi used to help her father in tailoring shop. Slowly she developed interest in tailoring
96
SLBC of AP
192nd meeting of SLBC
Convener:
activity and neglected her studies. She could not succeed in her Intermediate exams. She wanted to
learn tailoring work in detail. At this juncture, as advised by her friends, she contacted our institute
and got a seat in Fashion Designing training programme. As she is having more interest in Fashion
Designing, she shown keen interest and grasped the subject with great zeal. Good learning
atmosphere in the Institute, inputs on entrepreneurship helped her to plan for her self-employment.
With full confidence, she started Fashion Designing works at APHB Colony, Srikakulam with an initial
capital of Rs. 15,000/-. Within a short period she gained good reputation in and around APHB Colony,
Srikakulam.
Subsequently, she got loan of Rs.30,000/- from Andhra Bank, Collectorate branch, Srikakulam for
improving her business. At present she is earning a net income of Rs.6,500/- per month.
When ABRSETI, Srikakulam staff visited her unit, she humbly informed that the training given by the
Institute paved the way to start her own venture. The motivation classes learnt in the institute
brought great change in her attitude and also about her future plans. She expressed her gratitude to
the Institute as it has paved the way for her bread earning.
97
192nd meeting of SLBC
SLBC of AP
Convener:
23.2 Success Story from ABRSETI – Rajahmundry:
Name of the Trainee
Father name
: Sk. Subhan Saheb
: Venkata Ramana
Sponsor
Date
Address
: Rowtulapudi
Activity
Name of the training Prog. : Multi Phone Servicing Project cost
Batch No.
Bank Finance
: 1260
: --
: ABIRD, Rajahmundry
: From: 20-1-2014
To: 22-2-2014
: Multi Phone Servicing
: 50,000
Own Resources : 50,000
Net profit pm
: 12,000
Sk. Subhan Saheb S/0 Venkata Ramana is the resident of Rowtulapudi village of East Godavari
District. He belongs to an agricultural family with low income and studied up to Intermediate. He is
basically interested in mobile servicing and networking field. At this juncture, he saw a press note in
local news paper for “Free Training course in Multi Phone Serving” at Andhra Bank Institute of Rural
Development, Rajamundry. He immediately attended for interview and got selected for Multi Phone
Servicing programme. He sincerely learnt all the techniques of Cell phone repairing, Hardware &
Software installation, Trouble shooting techniques, Marketing & Business techniques in the institute.
He was motivated through simulation exercises i.e Ring Toss game, Tower building and Boat making
etc to change his behavior with the Personality Development skills. He has identified business skills
learnt through market survey, project preparation etc. at the institute and completed the course
successfully.
After completion of the training he established Mobile repairing Shop at Rowtulapudi
village with a total of Rs. 50,000/- from his own resources to purchase related equipment. He is
presently earning a monthly income of Rs. 12,000/- per month and supporting his family through self
employment, with the training provided by our institute. He is very happy and thankful to ABIRD,
Rajahmundry for giving this opportunity and leading a dignified life in the society.
98