AGENDA: 1
131st SLBC
CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING
The minutes of the 130th State Level Bankers’ Committee Meeting convened on
28.06.2012 (already circulated vide SLBC letter dated 20.07.2012) may be
confirmed.
AGENDA No: 2
131st SLBC
New Issues
1. Setting up of Rural Self-Employment Training Institutes (RSETIs)
All the Four Banks having Lead District responsibilities have since opened
RSETIs in the lead districts allotted to them (Total 31 RSETIs).
In addition to the 12 Lead districts allotted, IOB has recently opened a RSETI
(13th) at Kothagiri in Nilgiris District to impart skill training to Tribal People of
the Nilgiris District.
Performance of the RSETIs during April to August 2012:
Sl
No
Total Number
of RSETI
No of training
programme conducted
during AprilAugust(12-13)
No of
persons
trained
No of persons
secured
employment/self
employment
1
31
180
4823
2652
The following RSETIs functioning in Tamil Nadu have been awarded “A”
grade among all the RSETIs in the country:
1) IOBRSETI ( Indian Overseas Bank) -Thanjavur & Trichy - A
2) CANRSETI (Canara Bank) -Coimbatore, Theni, Nilgiris, Dindigul, Erode &
Madurai – A
3) INDRSETI (Indian Bank) - Tiruvallur, Salem - A
The Directors of the above RSETIs have received the award from Shri.Jairam
Ramesh, Union Minister of Rural Development in a function held on 28.07.2012
at Vigyan Bhavan Delhi. SLBC congratulates the Directors for their
achievement.
1
131st SLBC
New Issues
2. Setting up of Financial Literacy & Credit Counselling Centres (FLCCC)
The High Level Committee set up by RBI had reiterated the necessity to cover
initiatives under financial literacy and credit counselling while broad basing the
Lead Bank scheme. On the basis of the above recommendation, RBI advised
Lead Banks to open a Financial Literacy and Credit Counselling Centre (FLCCC) in
every district where they have lead responsibility.
Four Lead banks namely IOB, Indian Bank, Canara Bank & State Bank of India
have completed establishment of FLCCCs in their lead districts
(31 districts).
Apart from the four lead banks, Bank of India and ICICI Bank Ltd have opened
FLCCC each one at Chennai.
FLCCC Progress Report for the Quarter ended June 2012.
Sl.
Name of the Bank
1
IOB
13
772
No. of
Outdoor
activities
undertaken
during the
Quarter
78
2
Indian Bank
10
1732
38
539
3
Canara Bank
7
945
112
5548
4
SBI
2
0
0
0
5
BOI
1
66
0
0
6
ICICI Bank Ltd
1
106
1
15
34
3621
229
10668
No
TOTAL
No of
FLCCC
No.of
persons
Counselled
during the
quarter
No of persons
participated in
outdoor
activities
during the
Quarter
4566
Though State Bank of India has set up FLCCCs at their lead districts (Ariyalur
& Thoothukudi), they are yet to commence operations. State Bank of India is
requested to take immediate steps to appoint counselors and to start Financial
Literacy initiatives and Credit counselling.
2
New Issues
131st SLBC
3. Extension of Swabhiman – providing banking services in every villages
having population of over 1600
A) Directions from Ministry of Finance, GOI
Ministry of Finance, Government of India, have advised the revised guidelines on
financial inclusion - “Extension of Swabhiman” for providing banking services in
every village having population of over 1600 by March, 2013.
Total villages identified and allotted to various banks stands at 1676 (villages
with population over 1600 to 2000) as per 2001 census. Numbers of Villages
allotted to various Banks in Tamilnadu is displayed in SLBC website
(www.slbctn.com).
As per the Monthly progress report submitted by banks in SW3 format, 98
villages only have been covered as on 31.07.2012. The details are furnished in
the annexure. The progress is very low when compared to the total no. of 1676
villages to be covered. Member banks are requested to ensure extension of
banking services to the allotted villages to the respective banks by before
December, 2012 as already agreed in 130th SLBC meeting held on 28.06.2012.
As the progress report is to be keyed in directly in the Ministry of Finance
website before 5th of every month, all the participating banks are requested to
submit the monthly progress report (SW3- format enclosed) to SLBC by the 5th
of the succeeding month without fail.
B) Directions from Govt of Tamil Nadu
The Chief Minister of Tamil Nadu has advised the banks to provide banking
outlets in all villages in Tamil Nadu at the earliest. All banks accepted the views
of the Chief Minister. It was also resolved in the 130th SLBC to cover all the
villages in the State under Financial Inclusion by 31.03.2013 irrespective of the
population.
SLBC has already advised all DCC Convenors and LDMS to identify the villages
and allot to the banks. So far we have received the data from 21 LDMs on the
allotment of villages to the member banks. Identification and allotment of all
villages with 0-1600 population will be completed soon. Member banks are
requested to cover all the villages with 0-1600 population before March, 2013.
3
PLEASE REFER SCANNED IMAGE NO.1
4
PLEASE REFER SCANNED IMAGE NO.1
5
New Issues
131st SLBC
4. Campaign to ensure at least one Bank Account for each family in all
villages and urban areas.
Initially, Ministry of finance, Government of India advised to launch a campaign
to ensure each family living in the FI villages has an account with the branch to
facilitate electronic benefit transfer of subsidies under the 32 schemes of
Govt. of India. For such electronic transfer of subsides, it is important that
the beneficiaries have an account in the service area bank in tune with the
guidelines of the Reserve Bank of India on “ One District- Many Banks-One
Leader Bank” Model .
Ministry of Finance, Government of India has clarified that opening of accounts
should not be restricted only to FI Villages and the campaign should cover all
the rural villages and urban areas by banks in their service area.
Copy of the clarification letter from Ministry of Finance dated 15.05.2012 is
enclosed. Further, Ministry of Finance informed that, as per 2011 census, only
52.5% of the households have a bank account in Tamil Nadu which is very low
when compared to many other states.
In order to accomplish the account opening and to have proper monitoring of the
progress the various modalities are suggested by Ministry of Finance letter
dated 03.08.2012. A copy of the letter is enclosed. It has been decided in the
special SLBC held on 10.08.2012 to ensure opening of “One bank account for one
family” in all the villages and urban areas in the State.
All the member banks and Lead Districts Managers are requested to carry on
the campaign for opening of accounts as per the directives. All member banks
are requested to submit the monthly progress report on or before 4th of every
succeeding month to SLBC.
The latest bank wise position as of 31st August,2012 in opening bank accounts
for each family is enclosed.
6
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU
CONVENOR : INDIAN OVERSEAS BANK
Progress Report On One Bank Account for Each Family in all
Villages and Urban Areas as on 31.08.2012
S.No
Name of the Bank
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Allahabad Bank
Andhra Bank
Axis Bank Ltd.,
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Catholic Syrian Bank Ltd.
Central Bank of India
City Union Bank Ltd.
Corporation Bank
Dena Bank
Dhanalakshmi Bank Ltd.
Federal Bank Ltd.
HDFC Bank Ltd
ICICI Bank Ltd
IDBI Bank Ltd
Indian Bank
Indian Overseas Bank
Indus Ind Bank Ltd
ING Vysya Bank Ltd.
Jammu & Kashmir Bank Ltd
Karnataka Bank Ltd.
Karur Vysya Bank Ltd.
Kotak Mahindra Bank Ltd
Lakshmi Vilas Bank Ltd.
Oriental Bank of Commerce
Pallavan Grama Bank
Pandyan Grama Bank
Punjab & Sind Bank
7
Total Number of
Accounts Opened
upto August 2012
13227
1183
0
53741
12422
0
301969
225
69309
25979
4252
5938
173
182
1409
3955
0
294384
537700
0
0
0
0
6281
0
0
1539
17609
109360
0
S.No
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
Name of the Bank
Punjab National Bank
South Indian Bank Ltd.
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of India
State Bank of Mysore
State Bank of Patiala
State Bank of Travancore
Syndicate Bank
Tamil Nadu State Apex Co-op
Tamilnadu Mercantile Bank Ltd
U C O Bank
Union Bank of India
United Bank of India
Vijaya Bank
TOTAL
8
Total Number of
Accounts Opened
upto August 2012
14480
6070
0
0
475707
1089
0
54610
82822
0
659
821
38119
0
7127
2142341
F. No. 6/23/2012-FI
Government of India
Ministry of Finance
Department of Financial Services
*******
Jeevandeep Building, Sansad Marg
New Delhi, dated the 24th July, 2012
To
All SLBC Convener Banks
Subject: (i) Urban Financial Inclusion - Launch of campaign to ensure
at least
one bank Account for each family
(ii) Capturing of Biometrics while opening accounts - regarding
Sir,
I am directed to refer to this Department’s letter no. F.No.8/11/2011-FI
dated 15th May, 2012 wherein banks were advised to launch a campaign to
ensure at least one bank account for each family in the service area of a
branch having rural villages attached to it.
2. Government of India has been emphasising the need for transferring all
benefits
including MGNREGA wages and various cash subsidies
to
beneficiaries by direct credit to their bank accounts. These beneficiaries are
not only inhabitants of rural villages but also comprises of urban poor and
slum dwellers residing in the Urban/ Metro centres.
3.
In order to provide banking services to entire population residing in
Urban and Metro Centers – (Urban Financial Inclusion) , so as to financially
include the urban poor, slum dwellers and the inhabitants of urban / metro
villages and
facilitate electronic benefit transfer in respect of benefits/
subsidies under various Government schemes directly into the account of the
9
beneficiaries residing at these centres, it has been decided that the said
campaign to ensure one bank account per family should also be launched
in such Urban areas for the purpose of Urban Financial Inclusion .
4.
All urban areas have a Municipal Corporation or a Municipality or a
Municipal Council and the entire area is divided into “Wards”. Districts in
Metros may not have Lead District Manager (LDM). Generally, the service
area approach is not adopted for urban areas. In districts, where LDM has
already been provided, necessary instructions may be issued to the LDMs to
allocate a Ward or group of wards to a particular branch (for the purpose of
opening of accounts as per instructions issued vide letter No. F.No.8/11/2011FI dated 15th May, 2012) as follows:
(i) In Wards/ circle where a branch of bank exists, the responsibility should be
entrusted to that branch;
(ii) In Wards/ Circle, where branch of more than one bank exists, the
responsibility may be assigned to one of the branches operating in the ward.
(iii) In Wards/ circle where no branch of a bank exists, a neighbouring bank
branch may be assigned the responsibility;
In case of non – lead Districts without LDMs, the above exercise of
allocating wards to bank branches be done by a duly authorised senior
officer of the SLBC convener bank. The allocation of branches for opening of
accounts as above by LDM/ duly authorised officer be subsequently got
ratified by SLBC.
5.
It is under stood that under the campaign, some of the banks while
opening accounts, are not capturing the biometric details of the customers
and the campaign is restricted to FI villages. It is clarified that:
10
(a) The campaign is to be launched by the bank branch to open an account
for the family in all villages attached to the service area of the branch and
not just in FI villages. The subject matter of letter dated 15.05.2012 under
reference may accordingly be read as “Launch of campaign to ensure at
least one bank Account for each family in rural villages– regarding”.
(b) Since accounts opened under the campaign would facilitate EBT
including transfer of all benefits and various cash subsidies to beneficiaries by
direct credit to their bank accounts and the beneficiary should be able to
withdraw the benefit from the BC channel, banks should while opening new
bank accounts also ensure to capture biometric details of the customer (as
done during the ‘Swabhimaan’ campaign) as per the standards notified in
the recent RFP for engaging BCs.
6.
All SLBC convener banks are requested to bring the contents of this
letter to all member banks to ensure compliance.
Yours sincerely,
(J.K. Mehan )
Under Secretary to Govt. of India (FI)
Tel: 23748767
e-mail: fi-dfs@nic.in
Copy to:
1.
Chief Secretary of all States/ UTs
2.
Secretary, (Urban Development), Ministry of Urban Development, Govt.
of
India
3.
CMDs of all PSBs
4.
CEOs of Pvt. Sector Banks
5.
CEOs of Cooperative Banks
6.
Chairmen of all RRBs ( through sponsor PSBs)
7.
NIC – for uploading on the website of DFS
11
F. No. 6/23/2012-FI
Government of India
Ministry of Finance
Department of Financial Services
*******
Jeevandeep Building, Sansad Marg,
New Delhi dated the 3rd August, 2012.
To
1.
Chairman/ CMDs of all PSBs
2.
Chairman of all RRBs ( through Sponsor banks)
2.
All SLBC Convener Banks
Subject:
Opening of one bank account per family
Sir,
Please refer to this Department’s circular FI dated 15th May 2012 regarding
opening of one bank account per family to facilitate electronic benefit transfer and
financial inclusion. It was clarified that families must have one account in a bank on
Core banking Solution and having NEFT facility.
2.
It would be noted that, as per 2011 census, about 58.7% households,
comprising of 54.4% rural households and 67.8% urban households, had reported
availing banking facilities. Out of the 24.69 crore households, 14.48 crore households
reported availing banking services. Nearly 10 crore households were not availing
banking services. State wise details are enclosed.
3.
Under Swabhimaan, over 3.25 crore bank accounts in rural areas have been
opened. It would be seen that there still remains a large number of households
which do not avail banking services. It was in the context of financial inclusion of the
excluded and to facilitate the electronic benefit transfer that banks were advised to
ensure opening of one bank account per family.
4.
In order to accomplish the objective and to have proper monitoring of the
progress the following modalities are suggested:
Opening of Bank Accounts
i.
Service area bank in rural areas and banks assigned the responsibility in
specific wards in urban area would be responsible for ensuring that every
house hold has one bank account. This would be achieved in collaboration
with other banks in the area
ii.
Latest voter list of the area concerned may be taken as a reference for
verifying that every house hold has a bank account.
12
iii.
In case Cooperative or Urban Cooperative or Local Area Banks are on CBS
and have NEFT facility, there should be no need to open another account in
other bank.
iv.
To facilitate Electronic benefit Transfer, the names of other family members
can be added to any existing account. Banks need not insist on opening a
new account unless the person concerned desires a new account.
v.
Information about opening of bank accounts must be prominently displayed in
the villages by the service area bank/designated bank along with the
person/bank to be contacted.
Monitoring Progress
vi.
Lead District Managers in the districts and the SLBC Convenor in the State
would be responsible for monitoring and ensuring that every house hold has a
bank account.
vii.
The figure for number of households as per the latest census data may be
used to compare the number of saving bank accounts. Since many
households would have more than one saving bank account, number of
saving bank accounts should be over 100% of the number of households,
preferably 125-140%.
viii. LDM and SLBC Convenor would compile information on number of
households and the number of saving bank accounts every week to monitor
progress.
ix.
5.
State wise information on the number of households and the number of
saving bank accounts would be sent to the Department of Financial Services
at fi-dfs@nic.in by 5th of every month by SLBC Convenor banks. This would
be sent from August 2012.
CMDs of SLBC Convenor Bank would are expected to supervise and guide
the process of opening of bank accounts in the respective states.
6.
This issues with the approval of Secretary ( FS) .
Yours faithfully,
(Sandeep Kumar)
Director (FI)
Encl: as above
Copy for information/ necessary action to:
- All Nodal Officers of DFs for SLBCs
13
Annexure
State wise Percentage of Households availing Banking Services in 2011
S. No. India /State/Union Territory #
01
02
03
04
05
06
07
08
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
A & N Islands
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chandigarh
Chhattisgarh
Dadra & Nagar Haveli
Daman & Diu
Delhi
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Lakshadweep
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Puducherry
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
All INDIA
Percentage of Households
availing Banking services
89.3
53.1
53.0
44.1
44.4
80.1
48.8
56.7
65.4
77.7
86.8
57.9
68.1
89.1
70.0
54.0
61.1
74.2
85.3
46.6
68.9
29.6
37.5
54.9
34.9
45.0
64.0
65.2
68.0
67.5
52.5
79.2
72.0
80.7
48.8
58.7
Tamil Nadu
No. of Households not having bank account
No. of accounts opened upto August 2012
No. of households yet to be covered
Source: Census of India 2011
14
: 87. 81 lacs
: 21.43 lacs
: 66.38 lacs
New Issues
131st SLBC
5. Strategy and approach for “Electronic Benefit Transfer “ (EBT)
Ministry of Finance, Government of India has advised that benefits like pension,
subsidies and grants under 32 central government schemes should be
transferred to the beneficiaries’ bank accounts by electronic transfer system
only.
Electronic benefit transfer system would include compilation of information on
benefit transfer compatible with the banking system; transfer of funds to the
beneficiaries’ accounts; facilities for withdrawal of the amount by the
beneficiaries as per their requirement.
This system will be extended
progressively to the entire country.
In order to transfer the benefit electronically to the beneficiaries’ accounts,
the following strategies and approach are given by Ministry of Finance.
 Opening of bank accounts for the beneficiaries and mapping the list of
beneficiaries with the bank account details.
 Transfer of benefit to the beneficiaries’ accounts with help of Central
Plan Scheme Monitoring System (CPSMS).
 Till such time the departments are ready for transfer of benefits
through CPSMS, they will furnish the electronic transfer details of
beneficiaries by hard/soft copies to the banks and banks can start EBT.
 Once, NPCI stabilized the EBT will be done by automated clearing house
mechanism.
The charges to be reimbursed to the banks by the concerned department of
Central government would be 1.5% of the value of the transaction or 25 % of
the permissible administrative expenses, whichever less.
Ministry of Finance has advised to allot districts to various Banks where they
are Lead Banks for the pilot phase for Electronic Benefit Transfer System and
this exercise should cover entire state immediately after completion of pilot
phase in the districts allocated to banks. A special SLBC was conducted on
24.07.2012 for this purpose and it was decided to identify the pilot districts in
consultation by State Govt. Departments and banks.
All the member banks and State Govt. Departments are advised to comply with
the above guidelines and ensure the smooth implementation of the scheme.
Copy of the letter on the above subject received from Ministry of Finance
dated 26.06.2012 is enclosed.
15
PLEASE REFER SCANNED IMAGE NO.2
16
PLEASE REFER SCANNED IMAGE NO.2
17
PLEASE REFER SCANNED IMAGE NO.2
18
PLEASE REFER SCANNED IMAGE NO.2
19
PLEASE REFER SCANNED IMAGE NO.2
20
PLEASE REFER SCANNED IMAGE NO.2
21
131st SLBC
New Issues
6. Allocation of Targets for Educational loans
Ministry of finance, Government of India has allocated the educational loan
target for the Public Sector Banks in the state for 2012-13. The total
educational loan outstanding target for Tamil Nadu is Rs. 13950.09 crore for
2012-13.
The banks-wise allocation of the target is enclosed as annexure.
All the Public Sector Banks are advised to achieve the education loan target for
2012-13 and submit a monthly progress report on or before 5th of every
succeeding month to SLBC in the following format.
………………………………..Bank
Total No. of Educational loans
Progress Report for the month……………….
Amount outstanding for the State of
Tamil Nadu
The latest public sector bank wise outstanding position as of 31st August, 2012
in educational loan is enclosed.
Copy of the letter on the captioned subject received from Ministry of Finance
is enclosed.
22
PLEASE REFER SCANNED IMAGE NO.3
23
PLEASE REFER SCANNED IMAGE NO.3
24
BANK-WISE ALLOCATION OF TARGET FOR EDUCTAIONAL LOAN 2012-13
(Rs in crore)
Sl.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
Bank
Public Sector Banks
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank
Oriental Bank of Commerce
Punjab National Bank
Punjab & Sind Bank
State Bank of B & J
State Bank of Hyderabad
State Bank of India
State Bank of Mysore
State Bank of Patiala
State Bank of Travancore
Syndicate Bank
UCO Bank
Union Bank of India
United Bank of India
Vijaya Bank
Other Public Sector Bank
IDBI
Total
25
Outstanding
as on 31st
March 2012
Outstanding
Target (Fixed)
for 2012-13
53.95
96.97
267.29
425.43
20.36
1488.21
444.95
245.15
29.56
2504.33
1733.2
62.5
200.15
3.67
24.52
39.67
2342.55
91.68
8.04
211.13
377.93
238.68
375.19
26.73
74.47
66.00
118.63
327.01
520.48
24.91
1820.70
544.36
299.92
36.16
3063.84
2120.43
76.46
244.87
4.49
30.00
48.53
2865.91
112.16
9.84
258.30
462.37
292.01
459.01
32.70
91.11
16.26
11402.57
19.89
13950.09
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU
CONVENOR : INDIAN OVERSEAS BANK
PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.08.2012
Rs in Core
Sl.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
Bank
Public Sector Banks
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank
Oriental Bank of Commerce
Punjab National Bank
Punjab & Sind Bank
State Bank of B & J
State Bank of Hyderabad
State Bank of India
State Bank of Mysore
State Bank of Patiala
State Bank of Travancore
Syndicate Bank
UCO Bank
Union Bank of India
United Bank of India
Vijaya Bank
Other Public Sector Bank
IDBI
Total
Outstanding
Target Fixed
by SLBC for
2012-13
Outstanding
Target fixed by
SLBC upto
August
Actual
Outstanding
as on
31.08.2012
66.00
118.63
327.01
520.48
24.91
1820.70
544.36
299.92
36.16
3063.84
2120.43
76.46
244.87
4.49
30.00
48.53
2865.91
112.16
9.84
258.30
462.37
292.01
459.01
32.70
91.11
56.63
101.78
280.56
446.55
21.37
1562.10
467.04
257.32
31.03
2628.67
1819.25
65.60
210.09
3.85
25.74
41.64
2458.85
96.23
8.44
221.61
396.69
250.53
393.82
28.06
78.17
60.85
105.40
274.53
471.95
25.53
1659.37
481.81
245.15
32.87
2869.25
1887.32
64.93
231.66
3.57
21.79
41.96
2682.59
98.98
7.95
228.13
579.25
248.6
420.68
25.71
78.96
19.89
13950.09
17.07
11968.69
18.02
12866.81
26
131st SLBC
New Issues
7. T.N. Government’s Old Age Pension Scheme - Money demanded from the
beneficiaries by Business Correspondents
Tamil Nadu Government’s Old Age Pension scheme is being implemented
successfully and the monthly pension is paid to the beneficiaries through
banking channel at their village through business Correspondents using
biometric enabled smart cards in 4445 villages in the state.
Recently, it has been reported in the newspapers that the BCs demand money
from the beneficiaries out of the monthly payment of Old Age Pension and
other such payments made through bank accounts.
All the member banks are advised to monitor closely the functioning of the
Business Correspondents engaged by them in their F. I. Villages and guard
against such incidents in future.
All banks are requested to ensure that necessary instructions have been sent
down the line and the BCs are monitored on regular basis.
A copy of the letter dated 21.08.2012 on the captioned subject received from
Reserve Bank of India is enclosed.
27
PLEASE REFER SCANNED IMAGE NO.4
28
131st SLBC
New Issues
8.
Tamil Nadu Backward Classes Economic Development Corporation
Limited (TABCEDCO), Implementation of Education Loan Scheme of
NBCFDC
TABCEDCO is the State channelizing agency for Education Loan Scheme of
NBCFDC (National Backward Classes Finance & Development Corporation, New
Delhi). As they do not have any infrastructure at the district level they propose
to implement the scheme through sub-channelising agencies like Nationalised
Banks and Private Sector Banks.
A copy of the letter from the Managing Director, TABCEDCO and salient
features of the scheme is enclosed. SLBC circulated the scheme to all the
member banks vide their letter dated 25.07.2012 and requested them to offer
their opinions and views on the scheme, to be placed in the SLBC meeting. We
have received response only from two banks so far.
The members are requested to deliberate.
29
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41
131 st SLBC
New Issues
9. Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH)
Credit Risk Guarantee Scheme for Low Income Housing
In line with the Union Budget announcements in Financial Year 2010-11 and 201112, the Credit Risk Guarantee Fund Trust for Low Income Housing was
constituted by the Government of India on 1st May, 2012 through the Ministry
of Housing and Urban Poverty Alleviation. Under the arrangements, the National
Housing Bank (NHB) will be managing the fund and will facilitate and oversee the
implementation of the scheme.
The scheme will provide credit risk guarantee to the lending institutions against
housing loans up to Rs 5.00 lacs for new or existing borrowers in the EWS / LIG
categories without requiring any collateral security and / or third party
guarantee. The extent of guarantee cover to be provided under the scheme is
90% of the amount in default in respect of loan amount upto Rs 2.00 lakhs and
85 % of the amount in default for housing loans above Rs 2.00 lakhs to Rs 5.00
lakhs.
The following lending institutions are eligible to avail benefit of the guarantee
cover under the scheme of the Fund trust;
1)
2)
3)
4)
5)
Schedules Commercial Banks
Regional Rural Banks
Co-Operative Banks
NBFC-MFIs
Apex Co-Operatives Housing Finance Societies registered under the State
Co-Operative Societies Act
6) Housing Finance Institutions registered with National Housing Bank (NHB).
All member banks are requested to make use of the above schemes to extend
housing loans to EWS/LIG.
A copy of the detailed scheme is enclosed as an annexure.
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New Issues
10.
131st SLBC
New
Entrepreneur
-CumEnterprise
“(NEEDS)” of Government of Tamil Nadu
Development
Scheme
Department of Micro, Small and Medium Enterprises, Government of Tamil Nadu
has formulated a new self-employment scheme namely “New Entrepreneur Cum- Enterprise Development Scheme" (NEEDS) for first generation
Entrepreneurs. The scheme is proposed to be implemented during the 12th Five
year Plan (2012-2017).
The Scheme aims to provide training to Young First Generation Entrepreneurs in
conceiving, planning, initiating and launching a Manufacturing or Service
enterprise successfully. On successful completion of the Training Program, they
will be assisted to get Term Loan from Banks / TIIC to setup manufacturing or
Service enterprises with Margin Money assistance at 25% of the Project cost
not exceeding Rs.25.00 lakhs, to be provided by the State Government .
The above scheme was discussed in the Special SLBC meeting held on
10.08.2012. Based on the suggestions given by member banks, revised draft
guidelines were prepared by Department of Micro, Small and Medium
Enterprises.
The scheme is placed for approval by SLBC. The members are requested to
deliberate on the above scheme.
A copy of the revised draft guidelines on the captioned scheme is enclosed as an
annexure.
60
DRAFT GUIDELINES FOR THE “NEW ENTREPRENEUR -CUMENTERPRISE
DEVELOPMENT
SCHEME
(NEEDS)”
TO
BE
TH
IMPLEMENTED DURING THE 12 FIVE YEAR PLAN (2012-2017)
1. Introduction:
During the review meeting of the MSME Department conducted by
the Hon’ble Chief Minister on 14.07.11, the Hon’ble Chief Minister desired
that there should be a scheme under which educated youth would be
imparted with Special Entrepreneurship Development Training to enable
them to set up profitable self employment ventures for which they could
be extended loan with margin money assistance upto Rs.25.00 lakhs from
Government. She also directed that first generation Entrepreneurs should
be given 25% reservation in various Industrial Estates in the State It was,
therefore, decided in the above meeting to formulate a special scheme
for Entrepreneurs in consultation with the Industries Department,
integrating all the above features.
Accordingly, the Micro, Small and Medium Enterprises Department
has formulated a
new self-employment scheme under the name the
name “New Entrepreneur -Cum- Enterprise Development Scheme"
(NEEDS)
for
first
generation
Entrepreneurs,
proposed
to
be
implemented during the 12th Five year Plan (2012-2017). The Scheme
aims to provide training to Young First Generation Entrepreneurs in
conceiving, planning, initiating and launching a Manufacturing or Service
enterprise successfully. On successful completion of the Training Program,
they will be assisted to get Term Loan from Banks / TIIC to setup
Manufacturing
or
Service enterprises with Margin Money assistance at
25% of the Project cost not exceeding Rs.25.00 lakhs, to be provided by
the State Government .
The salient features of the scheme were presented before the
Hon’ble Chief Minister in the review of Micro, Small and Medium
Enterprises Department held on 22.02.2012 . The Hon’ble CM accepted
the proposal and directed the Department to provide 50% reservation for
61
women beneficiaries in the Scheme and also to give priority to destitute
women with the required qualifications while selecting the beneficiaries.
This was also highlighted in the Budget Speech of the Hon'ble
Minister for Finance while presenting the Annual Budget for 2012-13
on26.03.2012, wherein it was announced that
“In order to assist
educated
entrepreneurs,
youth
to
become
first
generation
this
Government will implement a new scheme called ‘New Entrepreneur-cumEnterprise Development Scheme’ (NEEDS) from 2012-2013 onwards.
Under this scheme, educated youth will be given entrepreneur training,
assisted to prepare their business plans and helped to tie up with financial
institutions to set up new business ventures, besides linking them with
major industrial clients. They will be assisted to avail of term loans from
Banks/Tamil Nadu Industrial Investment Corporation (TIIC) with capital
subsidy at 25% of the project cost not exceeding Rs.25 lakhs and soft
loans with 3% interest subvention. Around 1,000 entrepreneurs will be
trained each year under this scheme. Under this scheme, at least 50% of
the beneficiaries will be women. The Entrepreneur Development Institute
and TIIC will play a crucial role in this process. A sum of Rs.100 Crores
has been provided as capital subsidy and other assistance for this scheme
in this Budget”.
2. Objectives
(i)
Educated youth will be given entrepreneurship training to groom
them as first generation entrepreneurs on the essentials of
conceiving, planning, initiating and launching a Manufacturing or
Service enterprise successfully.
(ii)
On completion of the Training Program they would be assisted to
prepare their Business Plans and helped to tie up with financial
institutions to get Term Loan, to setup Manufacturing or Service
enterprises with a project cost not exceeding Rs.1.00 Crore, with a
capital subsidy of 25% of Project cost not exceeding Rs.25.00
lakhs with 3% interest subvention to be provided by the State
Government.
62
(iii) Subject to availability, they would also be provided with reservation
upto 25% for allotment of Plots/Sheds in SIDCO Industrial Estates
in the State.
3. Target group :
Educated youth with any Degree, Diploma, ITI / Vocational Training
from recognized Institutions, aspiring to become entrepreneurs would be
eligible for assistance under the scheme.
4. State Level Nodal / Implementing Agencies:
The Organisations listed below will act as the Nodal / Implementing
Agencies for the successful implementation of the various components of
the Scheme. The Industries Commissioner and Director of Industries and
Commerce would be in over all charge of implementing the scheme under
the supervision of the Principal Secretary, MSME Department.
Component
of the
Scheme
State Level Nodal
Agency
Implementing Agencies
State Level
District Level
1. Selection of
beneficiarie
s
Commissionerate of
Industries and
Commerce ,
Chennai
Entrepreneurship
Development
Institute (EDI)
Chennai-32
Commissionerate
of Industries and
Commerce,
Chennai
Entrepreneurship
Development
Institute (EDI)
General Managers of
DICs/ Regional Joint
Director, Chennai
Commissionerate of
Industries and
Commerce
Commissionerate
of Industries and
Commerce,
Chennai /TIIC
Tamilnadu Small
Industries
Development
Corporation
Limited
(TANSIDCO),
Chennai
General Managers of
DICs/ Regional Joint
Director, Chennai/
Branch Manager TIIC
2. EDP
Training
3. Arranging
for Term
Loan from
Banks/TIIC
4. Allotment of
Plots/Sheds
in SIDCO
Industrial
Estates
Tamilnadu Small
Industries
Development
Corporation Limited
(TANSIDCO),
Chennai
5. Training Institute :
63
Entrepreneurship
Development
Institute (EDI)
Branch Offices of
TANSIDCO in the
Districts.
The EDP Training will be imparted through Entrepreneurship
Development Institute, Guindy, Chennai.
6. Methodology of the Training
The trainees will be exposed to Behavioural Components, Business
Opportunity Guidance, and Preparing bankable Business Plan, Information
on Entrepreneurship support Institutions, Business Laws and Regulations
related to Micro and Small Enterprises, Management issues and Technical
Training in the specific technology sector. An innovative methodology by
combining Behavioural & Management Games, Lecture cum discussion
supported by audio–visuals, Interaction with successful entrepreneurs,
Intensive Technical Training and Exposure visits will be adopted.
7. Duration of the Training programme and Batch Size:
Duration of the EDP Training programme will be for one month
which includes 2 weeks theoretical training , 1 week for market survey
and 1 week for preparation of Project Report. The Training will be more
interactive in nature and, therefore, the batch size will be confined to 25.
A total of 1,000 entrepreneurs are proposed to be trained per year
during the next 5 years from the year 2012-13 onwards, at an average of
40 Batches comprising of 25 trainees.
8. Course content
Entrepreneurship
Development
Programme
has
the
following
six
components:
1. Behavioural Components
2. Business Opportunity Guidance
3. Business Plan Preparation
4. Management Issues
5. Laws regulating the Small Business
6. Environment Scanning – An overview of the Entrepreneurship
support institutions
64
Accordingly, the Entrepreneurship Development Programme will be
structured to include the above six components. The contents of the
course material are listed in Annexure-I.
9. Eligibility criteria:
a. Age
:
Minimum 21 years
Maximum– 35 years for General Category
Maximum– 45 years for Special Category of
Entrepreneurs( Women/SC/ST/BC/MBC/
Minorities/Ex-Servicemen/Trans genders/
differently abled persons)
b. Academic
Qualification
:
Degree, Diploma, ITI / Vocational Training from
c. Place of
residence
:
The applicant should be a resident of Tamil Nadu State
for not less than 3 years.
d. Reservation
:
Scheduled Caste (SC) 18%
Scheduled Tribe (ST)
1%
Differently abled
3%
Besides, 50% of the allocation would be earmarked
for women beneficiaries under the Scheme with
priority accorded to destitute women subject to the
condition that they possess the required qualification.
recognized Institutions.
(In case the required number of candidates are not
available to fill the reservation under SC/ST/
Differently abled candidates, the General Managers of
District Industries Centres may consider other
categories of eligible candidates ).
e. Income ceiling
:
There will be no income ceiling for assistance for
setting up projects under this scheme.
f. Eligibility of
Partnership
firms
:
Subject to satisfying the eligibility criteria by all the
partners, partnership concerns may be considered for
assistance under the scheme. However, EDP training
will be provided to only one of the partners authorized
by other partners in such cases.
65
g. Other conditions
:
Assistance under the Scheme is available only for NEW
projects sanctioned specifically under the NEEDS.
Entrepreneurs who have already availed assistance
under PMRY, REGP, PMEGP, UYEGP, TAHDCO or any
other scheme of Government of India or State
Government will not be eligible for assistance under
the NEEDS.
Any applicant/entrepreneur who has availed loan for
economic activity under SHG/other group activity will
also not be eligible.
The applicant should not be a defaulter to any
Commercial Bank / TIIC.
Entrepreneurs availing assistance under this scheme
will not be eligible to avail capital subsidy under any
other State Government schemes.
10.
Activities covered:
All economically viable manufacturing and service activities are
eligible under this scheme subject to appraisal for its viability as per the
guidelines of TIIC/BANK. Priority will be given to projects which are
eco-friendly, accord importance to energy conservation and are exportoriented. However, the activities listed in ANNEXURE-II will not be
eligible for assistance under this scheme.
11.
Selection of the beneficiaries:
Selection of beneficiaries
for training will be done at the District
level by a Task Force consisting of the District Collector as its Chairman,
General Managers, District Industries Centres / Regional Joint Director,
Chennai as Member – Convenor; Lead Bank Manager, Branch Manager of
Banks / TIIC; Branch Manager, TANSIDCO; District Manager, TAHDCO;
District Employment Officer, Representatives of EDI, MSME-DI, and local
MSME Association as its members. Applicants would be screened by the
District Level Task Force Committee.
12.
Project Cost :
i) The minimum Project Cost will be above Rs.5.00 Lakhs and the
maximum Project Cost will be Rs.1.00 Crore. For projects costing
more than Rs.1.00 crore subsidy component will be restricted to
Rs.25 lakhs.
66
ii) Cost of the land may be included in the Project cost at guideline
value or market value, prevailing as on the date of filing loan
application, whichever is lower.
iii) Cost of construction of buildings such as Office, Workshed/Workshop, Laboratory etc., can be included in the project cost
subject to the condition that the cost of building shall not exceed
more than 25% of the total project cost. The valuation of the
building eligible for subsidy will be assessed by General Managers,
District Industries Centres / Regional Joint Director, Chennai in
respect of bank financed units and Branch Manager of TIIC in
respect of TIIC financed units as per the prevailing PWD Schedule of
rates as on date of commencement of building construction or the
cost of the building actually constructed as certified by the
Chartered Engineer, whichever is lower. In respect of service
enterprises, investment in Fixed Assets should not be less than
25%.
iv) The cost of leased/ rental building shall not be included in the
Project cost.
v) In respect of plant and machinery only new machinery will be
considered eligible and indigenous / imported second-hand
machinery will not be considered for assistance. However, imported
second-hand machinery directly imported by the entrepreneur
would be considered eligible
vi) Project cost will include Capital Expenditure and margin money for
Working Capital.
vii) Capital Expenditure will generally include investment on Land,
Building and Plant & Machinery only. Hence projects without
Capital Expenditure are not eligible for financing under the
Scheme.
viii) Self financed projects will not be eligible under this scheme.
ix) TIIC/Banks are permitted to arrive at the components of project
cost based on their appraisal guidelines.
13.
Promoters' Contribution:
a. 10% of the Project Cost for general category of entrepreneurs.
b. 5% of the Project Cost in case of Special Category of
entrepreneurs (BC/MBC/DNC/SC/ST/Women / Minorities/ExServicemen/Trans genders/ differently abled Entrepreneurs)
67
c. Value of the land may be considered as promoter’s contribution ,
either in part or in full, as per guideline value or market value,
prevailing as on the date of filing loan application, whichever is
lower, subject to the condition that the title of the land is in the
name of the entrepreneur/enterprise proposed to be established.
14.
Subsidy :
25% of the Project Cost subject to a ceiling of Rs.25.00 Lakh as
subsidy from Government. However, the following expenses will not be
considered for calculation of subsidy under this scheme:
i.
Cost of rented/leased building
ii.
Technical know-how
iii.
preliminary/ pre-operative expenses
iv.
working capital margin
15.
Financial Institutions
i.
Tamil Nadu Industrial Investment Corporation Limited (TIIC Ltd.)
ii.
All Commercial Banks including Regional Rural Banks (RRB), Small
Industries Development Bank of India (SIDBI).
16.
Financial Target for TIIC/ District Industries Centres
The annual subsidy target will be distributed among TIIC:DICs/SIDBI
at the ratio of 33:67.
17.
Term Loan:
i) TIIC/Banks will finance Capital Expenditure in the form of Term
Loan and Working Capital in the form of cash credit. Projects can
also be financed by TIIC/Banks in the form of Composite Loan
consisting of Capital Expenditure and Working Capital.
ii) The amount of TIIC/Bank Credit will range between 65-70% of the
total project cost after deducting 25% of subsidy and owner’s
contribution of
10%
from beneficiaries belonging
to
general
category and 5% from beneficiaries belonging to special categories.
68
18. Rate of interest
Enterprises financed by TIIC/Banks will be charged at the rate of
interest applicable to Micro & Small enterprises as per banking norms.
19. Interest subvention
i.
Enterprises financed by TIIC
Enterprises financed by TIIC will be extended loan with 3% interest
rebate which will be reimbursed to TIIC on a quarterly basis. TIIC should
send their claim to Industries Commissioner and Director of
Industries
and Commerce on completion of every quarter.
ii.
Enterprises financed by Banks
A back-ended interest subsidy at the rate of 3% will be provided to
Entrepreneur financed by Banks on a quarterly basis during the entire
repayment period. The Banks /Financial Institutions should send their
claim to the concerned GM,DIC/ RJD, Chennai on completion of every
quarter.
iii.
Eligibility for availing interest subvention
a) The Entrepreneur should have been prompt in repayment of loan
and interest.
b) If there is any default in repayment of loan and interest as per
schedule of repayment fixed by Bank, interest subvention will not
be
paid
during
Entrepreneurr
the
period
subsequently
of
pay
default.
the
However,
instalment,
if
the
interest
subvention alone shall be paid. Penal interest or charges for
belated payment, if any shall not be paid by the Government.
c) The Enterprise should be in operation during the period for which
interest subvention is claimed.
d) If the loan account is classified as NPA, interest subsidy will be
withdrawn.
iv.
Provision of Funds for Interest Subvention
69
Funds will be released in advance to Commissionerate on quarterly
basis to meet the interest subsidy claims of units assisted by TIIC/
Banks based on their annual projections. On submission of
utilisation certificate for 90% of the funds from TIIC/ Banks,
additional funds will be provided to TIIC/ DICs to meet further
claims.
20.
Collateral Security:
Collateral security will be decided as per Bank / TIIC guidelines.
Subject to applicability, loans may also be covered under Credit
Guarantee Fund Trust Scheme for Micro and Small Enterprises (CGTMSE) of Government of India.
21.
Operation of the Scheme
i.
Project proposals in the prescribed application format with
relevant details will be invited at the District level by the General
Managers of District Industries Centres and the Regional Joint
Director, Chennai in respect of Chennai District.
ii.
The applications received by District Industries Centres will be
scrutinized and shall be placed before the Task Force Committee.
iii.
The Selection will be based on qualification, skill, aptitude
viability of the proposed project, marketability, interview /
screening of the applicant, etc.
iv.
The selected applications will be sent to the bank/TIIC branches
by the General Manager, District Industries Centres in proportion
to the target fixed by the Industries Commissioner and Director
of Industries and Commerce.
v.
The bank/TIIC branches shall assess the potentiality and will
issue provisional sanction to eligible beneficiaries.
The
provisional sanctions shall be intimated to the concerned District
Industries Centres.
vi.
The District Industries Centres shall arrange for compulsory
Entrepreneur Development Programme training by the
Entrepreneur Development Institute and on completion,
Entrepreneur
Development
Institute
will
issue
training
certificates.
70
vii.
After successful completion of Entrepreneur
Development
Program training (EDP), those beneficiaries whoever applies,
shall be allotted Developed Plot/Work Sheds, at SIDCO managed
Industrial Estates, at the cost fixed by SIDCO, subject to the
availability of the same on priority basis by SIDCO.
viii.
Subsequently, the beneficiary
Contribution with the bank/TIIC.
will
deposit
the
Promoter’s
ix.
Thereafter, the bank/TIIC will disburse the 1st installment of the
bank finance to the beneficiary.
x.
The respective disbursement advices will be forwarded to District
Industries Centres along with the subsidy claims.
xi.
The Tamil Nadu Government subsidy amount will be drawn by
the Industries Commissioner and Director of Industries and
Commerce and disbursed to all the District Industries
Centre/TIIC in proportion to their targets and it will be deposited
in a separate PD account by the GM, DICs/RJD, Chennai/TIIC.
xii.
On receipt of Subsidy claim raised by the Bank/TIIC branch,
GM,DIC/ RJD, Chennai/CMD,TIIC will release the subsidy to
Bank/TIIC branch in instalments depending on the project size as
indicated below:
The subsidy amount will be credited in beneficiary’s term loan
account.
a. For project costs upto Rs.50 lakhs, subsidy will be released in 2
instalments. i.e. 50 % on sanction of loan and 50% later after
verifying the capital expenditure actually incurred by the
beneficiary.
b. For the project cost exceeding Rs.50 lakhs, subsidy will be
released in 3 instalments i.e. 50% on sanction of loan and the
remaining amount in two instalments of 25% each later after
verifying the capital expenditure actually incurred by the
beneficiary.
c. The Bankers will release subsidy after conducting joint inspection
with DIC representatives, in such a way to ensure that
beneficiary is not constrained in any case by paucity of funds.
xiii.
The Banks/TIIC should submit an utilisation certificate for the
actual amount of subsidy utilised in respect of each beneficiary
enterprise then and there.
71
xiv.
Any unspent funds allotted for a particular Financial Year
shall be carried over to next Financial Year to meet the
training/ subsidy/interest subvention/ contingency components
after obtaining concurrence from Government.
xv.
The entrepreneur has to execute a Tripartite Agreement before
the release of subsidy to be signed by the Beneficiary, General
Manager, District Industries Centre and the Branch Manager of
Bank/TIIC.
22.
How to apply:
The scheme will be advertised in leading newspapers by the
Commissionerate of Industries and Commerce, Chennai. The applicants
aspiring to apply shall submit the application along with a brief project
profile at the respective District Industries Centre with copies of relevant
certificates such as proof of age, educational qualification and community.
23.
Review & Monitoring:
The progress of the scheme will be reviewed by the District
Collector at the District Level Bankers meetings conducted periodically
with the bankers. At the State level, the progress of the Scheme will be
monitored by the State Level Bankers Committee (SLBC). The Industries
Commissioner & Director of Industries & Commerce will periodically
review the progress of the scheme at the State Level.
24.
Fund requirement per year
A. Imparting EDP Training to 1000 Entrepreneurs per year
(in batches of 25 Trainees).
S. No.
Item of Expenditure
Amount in Rs.
1
Stipend to 25 trainees @ Rs.3,000/- p.m. per
trainee for 1 month. (Towards conveyance & food
expenses @ Rs. 120/- per trainee/ working day)
Rs.75,000
2
Training Expenses to EDI @ Rs.9,200/- per trainee
(to meet honorarium charges to guest faculty/
resource persons per batch, rent / hire charges on
training hall, administrative expenses to EDI
Rs.2,30,000
72
3.
including contingencies, other expenses such as
fee for external training coordinators, preparation
of course notes, course kit., certificates printing,
travel expenses, etc.)
Administrative Expenses (IC&DIC) -including
contingencies
Total
Rs.30,000
Rs.3,35,000
[For conducting 40 batches, total fund requirement will be Rs.1.34 Crore per
year (40 x 3,35,000) ]
73
The following Expenses can be incurred by the Commissionerate of
Industries and Commerce under Contingency Expenses
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
Conducting Motivation Campaigns
Conducting Task Force selection meetings
Data Entry work engaging Data Entry Operators
Petrol, Oil and Lubrication expenses to Office vehicles
Printing of Stationery/Purchase of Consumables, accessories
Hiring of vehicles
Stamps/postage
Conducting review meetings
Developing application software
Conducting evaluation studies
Funds for training would be provided to EDI by General Managers of
District Industries Centre /RJD, Chennai,/CMD, TIIC
in advance every
quarter based on the training target. The EDI shall send regular monthly
progress on completed training district-wise and utilisation certificate to
Commissionerate on completion of every quarter.
B. Providing Subsidy Assistance to Trained Entrepreneurs:
Assuming about 800 of the trained Entrepreneurs would be
sanctioned Term Loan by Banks/Financial Institutions in a year, and
assuming the average Term Loan sanctioned is Rs.50.00 lakhs per
enterprise, the Subsidy requirement would be Rs.100.00 crores per
annum.
C. Providing 3% Interest subvention to the beneficiaries
The enterprises are eligible to avail 3% Interest rebate if financed
by TIIC or 3% back-ended interest subsidy if financed by banks.
Assuming the average Term Loan sanctioned is Rs.50.00 lakhs per
enterprise, the interest subvention at 3%, the fund requirement would be
Rs.7.20 crores per annum.
74
D. Publicity Expenses
Fund shall be provided every year for meeting the expenses
towards
conducting
State,
Regional
and
District
level
workshops,
seminars, Awareness camps and printing and publicity charges at the
following rates to the Commissionerate of Industries and Commerce.
Sl.
Amount
per year
Item
No
(Rs.in Lakhs)
1
State level workshops, seminars etc.
5.00
2
District
level
workshops,
seminars,
Awareness camps etc., at the rate of Rs.1.00
Lakh per District for 32 Districts
32.00
Total
37.00
Total Fund Requirement for the scheme :
(Rs.in Crores)
Sl.
No.
Amount
Item of Expenditure
per year
For the year
2012-2013
1.
For Imparting EDP Training to 1000
Entrepreneurs
1.34
1.34
2.
For Providing Subsidy Assistance to
800 Trained Entrepreneurs:
100.00
100.00
3.
For providing 3% Interest subvention
to the beneficiaries
7.20
1.80
4.
Publicity Expenses
0.37
0.37
108.91
103.51
Total
(Limited to
100.00)
Industries Commissioner & Director
of Industries and Commerce
75
ANNEXURE-I
Sl. No.
I
II
III
IV
V
VI
VII
VIII
IX
EDP COURSE SYLLABUS
Content
ARE YOU READY TO START YOUR BUSINESS?
1. The Charm of being an Entrepreneur
2. You want to be an Entrepreneur?
3. How Achievement Motivation Develops
4. Entrepreneurial Competency
SKETCHING DREAMS OF YOUR OWN VENTURE
5. Do I Need to Plan?
6. Decisions an Entrepreneur needs to take
7. Procedures and Formalities for Starting new Venture
SOURCES OF SUPPORT FOR ENTREPRENEURS
8. Sources of Non-Financial Support for SSI Entrepreneurs
9. Business Information: Sources, Services and Systems
10. Incentives and Benefits Available to SSI Entrepreneurs
HOW TO IDENTIFY AND SELECT A GOOD BUSINESS OPPORTUNITY
11. Identification and Selection of Business Opportunity
12. Searching for an Opportunity and Selecting the Right Project
13. Ensuring Your Market: Market Survey and Research
14. Techno-Economic Feasibility Assessment: A Preliminary Project Report
15. Your Business Plan: A Detailed Project Report
RAISING MONEY FOR YOUR VENTURE
16. Sources of Finance
17. Presenting You Case for a Term Loan
ESTABLISHING YOUR VENTURE
18. Selecting the Right Infrastructure
19. Buying Machinery
20. Sources and Evaluation of Technology
21. Recruitment, Selection and Training of Personnel
22. Expediting Project Implementation
YOU AND YOUR MARKET
23. Marketing for Small Business
24. Selling and Sales Promotion
25. Giving Credit to Your Customers
26. Export Environment, Procedures and Documentation
MANAGING FOR PRODUTION AND PRODUCTIVITY
27. Production Planning and Control
28. Make Your Enterprise Innovative
29. Quality Management
MANAGING YOUR SCARCE RESOURCES
30. Working Capital Management
31. Cost Accounting
32. Break-Even Analysis; Concept and Implications
76
X
XI
XII
XIII
KNOWING YOUR GOALS
33. Manage Your Business Successfully
34. Understand the Language of Your Business
35. Know Your Books of Account
36. Assess Your Business Performance
37. Monitoring Progress through Network Analysis
KNOW YOUR TAX LIABILITIES
38. Sales Tax
39. Central Excise
40. Income Tax
PLAN FOR SURVIVAL AND GROWTH
41. Managing Your Business Crises
42. Beware of Pitfalls
43. Solve Your Business Problems
44. Be An Effective Communicator
45. Growth Strategies in the Changing Economic Scenario
LAST OF FIRST PIECE OF ADVICE!
46. Tips on Being a Successful Entrepreneur
77
ANNEXURE-II
1. Any activity directly connected agriculture.
2. Sericulture (Cocoon rearing),Animal Husbandry like Pisciculture,
Piggery, Poultry etc.,
3. Manufacturing of Polythene carry bags of less than 20 microns
thickness and manufacture of carry bags or containers made of
recycled plastic for storing, carrying, dispensing or packaging of food
stuff
4. Sugar
5. Distilleries, Brewery and Malt Extraction
6. Units utilizing Molasses/rectified spirit/de-natured spirit as raw
material for manufacture of potable alcohol.
7. Fertiliser manufacture and blending (Except bio-fertilizers)
8. Mining and Quarrying Ores, minerals etc.[Excluding polishing,
cutting, crushing, etc. of mined ores/minerals]
9. Aluminium, Iron and Steel Smelting [Excluding foundries]
10.Manufacturing of intoxicant items like Beedi/Pan/Cigar/Cigarette etc.,
11.Saw Mills
12.Cement
13.Calcium Carbide
14.Slaughter House
15.Re-packing of Drugs/Medicine/Chemical, without any processing or
value addition
16.Azoic/Reactive Dyes
17.Fire Crackers
18.Industries manufacturing and or utilizing Ozone depleting substances
19.Industries involving hazardous activities/ classified as “Red category”
by Tamil Nadu Pollution
Control Board /Central Pollution Control
Board
20. Cyanide
21.Caustic Soda
22.Potassium Chloride
23. Nylon
,Rayon
&
Polyester
Fibre
manufacturing.[Excluding
manufacture of downstream products from Nylon ,Rayon & Polyester
Fibre]
24. Real Estate
25. All types of Business activities.
78
131st SLBC
New Issues
11. Strategy and Guidelines on Financial Inclusion- Opening of Branches by
Banks:
Ministry of Finance, Government of India vide their letter dated 21.10.2011
advised the Banks that in the under banked districts, all villages with population
of 5000 and above should have a bank branch by September 2012.
Now, Ministry of Finance, Government of India vide their letter dated
16.05.2012, have advised the revised guidelines as follows:
Banks can start with Ultra Small Branch in these villages where opening of a
regular brick & mortar branch is not considered viable at present and then
convert it into a full-fledged branch when the branch reaches the desired level
of business.
In other districts, the banks must try to open as many brick and mortar
branches, in their service areas, in habitations having population of 10,000 and
above by September 2012.
SLBC vide letter dated 18.05.2012 advised the member banks to take note of
the changes in the guidelines and initiate necessary steps to open Ultra Small
Branches / Brick and Mortar branches as the case may be in the villages
identified by them before September, 2012. Member banks were also advised
to submit the monthly progress report to SLBC.
As per the monthly progress report submitted by Banks as on 31.07.2012, Banks
have opened 58 branches in under-banked districts and 108 branches in other
districts, totaling to 166 branches out of the total number of 279 villages
identified by them.
All member banks are requested to expedite to complete the branch opening in
the identified centers before September 2012 taking into account the revised
guidelines of Ministry of Finance, Government of India.
79
131st SLBC
New Issues
12. Ultra Small Branch (USB)
Ministry of Finance, Government of India issued the following Guidelines for
opening of Ultra Small Branches (USBs) in Rural Areas:
At places where the opening a conventional Brick & Mortar Branch is presently
not viable, the Bank may set up USBs, which will have the following
characteristics.
1) The Ultra Small Branch will have an area of 100-200 square feet.
2) A BCA should be engaged for the service area to deal with all cash
transaction and other routine work.
The BCA shall operate from the
USB.
3) One of the Officers of the Bank will visit the Branch on predetermined
day, at least once a week, along with a laptop which should have VPN
connectively to the CBS.
He would clear applications for new account
opening, loans, recovery follow-up and business development. He can give
information to the account holders about the account balance or a print
out of the bank statement, etc.
4) The Officer would not be dealing with cash transactions, which would be
handled by the BCA.
5) The frequency of visit by the Bank Officer can be progressively enhanced
depending upon the business growth in the service area of the bank.
6) When the Bank reaches the desired level of business, the USB can be
upgraded into a regular Bank Branch.
In Tamil Nadu banks have covered 4445 villages with a population of 2000 and
above under Financial Inclusion. Banks have opened 2982 USBs in the State as
on 31.08.2012. The bank wise data on USBs opened in the state is enclosed.
Member banks are requested to expedite opening of Ultra Small Branches in the
remaining villages wherever BCs are engaged and ensure 100 % achievement as
per the guidelines of Ministry of Finance. Bank wise data on Ultra Small
Branches opened is enclosed.
80
PLEASE REFER SCANNED IMAGE NO.7
81
PLEASE REFER SCANNED IMAGE NO.7
82
131st SLBC
New Issues
13. Capturing of data entry module for Geographical Information System
(GIS) for Financial Inclusion through Web site of DFS, MOF, Government
of India
Ministry of Finance, Government of India, have directed the Public Sector
Banks to identify geographical location and enter data for every bank branch,
ATM, Business Correspondent, Clearing House and Currency Chest in the
Districts where they have Lead Bank responsibility.
The
URL
(Uniform
Resource
Locator)
for
the
application
is
http://financialservices.gov.in/gis/default.aspx. List of user ids / passwords
for PSBs and the State/Districts where these banks are lead banks along with a
write up containing the process flow for entering the data by the DLCC
convenor Bank was furnished to all Banks.
Salient features of GIS for Financial Inclusion:
1) A web based application is accessible through a hyper link on website of
Department of Financial Services (http://financialservices.gov.in).
2) Public Sector Banks (PSB) are provided with the Login ID and Password.
3) Each Bank is required to enter the data in respect of the district(s) for
which it is the Lead Bank.
4) The guidelines required for user-ids and passwords were provided to
respective Banks directly.
A live demonstration of the data entry was done by SLBC for the benefit of all
the LDMs of the State during the LDMs’ conference held on 11.04.2012.
Ministry of Finance, Government of India vide their letter dated 05.07.2012
informed the position of the Lead Banks in the State key in the data in the
MOF website in respect of branches, ATMs, Business Correspondents, Clearing
Houses and Currency Chests in their Lead Districts. A Copy of the Ministry of
Finance letter along with annexure of pending districts on GIS is enclosed.
All the districts in Tamil Nadu have commenced data entry except Chennai
District which is allotted to State Bank of India by MOF. We request
83
State Bank of India to start data entry in respect of Chennai District on
MOF website immediately.
Further, Ministry of Finance, Government of India vide their communication
dated 18.07.2012 has advised that data in GIS module is to be regularly updated
by the LDMs whenever the new branches get opened, BCAs are engaged, ATMs
are installed and Currency Chest / Clearing Houses are get opened at least on a
monthly basis.
We advise the Lead District Managers and member banks to comply with the
above guidelines and ensure that the data in GIS module is updated on a monthly
basis without fail.
All member banks are advised to issue direction to the respective district
coordinator of the bank to provide the necessary data such as bank branch,
ATM, Business Correspondent, Clearing House and Currency Chest in the
Districts to the Lead District manager.
District-wise GIS data entry position is enclosed as an annexure.
LDMs are also advised to ensure 100 % completion of uploading the data in the
MOF website immediately.
84
PLEASE REFER SCANNED IMAGE NO.8
85
PLEASE REFER SCANNED IMAGE NO.
86
PLEASE REFER SCANNED IMAGE NO.9
87
PLEASE REFER SCANNED IMAGE NO.9
88
131st SLBC
New Issues
14. Detection of Counterfeit Bank Notes –Revised Procedure Advised by
RBI:
SLBC placed a detailed agenda in its 127th Meeting held on 16.09.2011 along with
the detailed circular issued by Reserve Bank of India dated 25.07.2011 and
requested all the member banks to submit monthly progress report in the
following format:
Particulars of the Date of detection
tenderer
Denomination
pieces
or Security features
breached
SLBC requested the member banks vide their letter 09.05.2012 and also
through several reminder letters to submit the monthly progress report by 5 th
of every succeeding month. The member banks were also reminded over phone
for submission of the report.
Despite all the above attempts, data from the following banks was not
received for the month of August 2012:
Corporation Bank
City Union Bank
State Bank of Patiala
Federal Bank Ltd.
Vijaya Bank
HDFC Bank Ltd.
Andhra Bank
Jammu Kashmir Bank
Bank of Baroda
Dhanalakshmi Bank
Bank of India
Catholic Syrian Bank Ltd.
Central Bank of India
Indus Ind Bank Ltd.
State Bank of Mysore
Karnataka Bank Ltd.
Punjab & Sind Bank
Karur Vysya Bank Ltd
Punjab National Bank
State Bank of B & J
ICICI Bank
Tamilnadu State Apex Co-op. Bank
State Bank of India
Bank of Ceylon
State Bank of Travancore
Citi Bank
Syndicate Bank
HK&SB
UCO Bank
SBO M
Union Bank of India
AEB
89
United Bank of India
BNP
Indian Bank
Cr.Lyon
Axis Bank Ltd
All the member banks are requested to submit the progress report before 5th
of every succeeding month without fail. A –NIL- statement is to be submitted if
there is nothing to report.
90
131st SLBC
New Issues
15. MSME Clusters
Ministry of MSME, Government of India has advised the list of clusters
identified in Tamil Nadu. They have advised the banks to provide adequate
banking facilities / services in the clusters having insufficient banking facility.
All the member banks and LDMs are requested to make assessment of the
banking facilities in the clusters identified by the Ministry of MSME and ensure
that adequate banking facilities are provided in such clusters.
The list of clusters identified in Tamil Nadu by Ministry of MSME, Government
of India is enclosed as an annexure. The list is also displayed in our SLBC
website (www.slbctn.com).
91
PLEASE REFER SCANNED IMAGE NO.10
92
PLEASE REFER SCANNED IMAGE NO.10
93
PLEASE REFER SCANNED IMAGE NO.10
94
New Issues
131st SLBC
16. Financial Inclusion – Drive to open Bank Accounts for Migrant labourers,
Street Vendors / Hawkers in Urban Areas
Ministry of Finance, Government of India advised Banks to initiate a special
drive to open accounts of migrant labour and street vendors / hawkers in Urban
Areas in order to inculcate saving habits and to extend banking facilities to
them.
The Government desires that to begin with, accounts of all migrant labour and
street vendors / hawkers who are working within 500 metres of the bank
branches in Urban and Metro areas should be opened. The Government also
directed that, the marketing staff of branches should contact personally all
street vendors / hawkers who are working within 500 meters of the branch to
open their accounts. Thereafter the process should be extended to beyond 500
meters to get all such persons financially included.
SLBC placed an agenda in the 130th Meeting held on 28.06.2012.All banks are
requested to issue necessary directions to all the branches in Tamil Nadu State
to launch special campaigns in all the urban centers.
Member banks are also requested to advise their branches to complete the
first level of opening of accounts of those who are working within 500 meters
from the bank branches by 31.10.2012.
95
131st SLBC
New Issues
17. Revival, Reform and Restructuring Package for Handloom Sector
The Revival, Reform and Restructuring package is announced by Government of
India to promote the weavers/handloom sector and the implementation process
of the same has already commenced from 2011-12. Government of Tamil Nadu
has signed the MOU with Government of India and NABARD on 16.08.2012
towards implementation of the Handloom package in Tamil Nadu.
Operational guidelines in respect of claims for interest subvention and waiver of
individual weaver loans have been issued to all banks vide our letters dated
25.01 2012 and 17.02.2012.
Only few banks have submitted the claim to NABARD so far. Member banks are
advised to submit the consolidated claim to NABARD at the earliest.
Government of India allocated a target of 20,000 Weavers Credit Cards for
Tamil Nadu. The district wise allocation of the target is enclosed as annexure.
Department of Handlooms and Textiles have so far sent 16000 applications to
banks through LDMs of the 20 implementing districts.
A special SLBC meeting was conducted on 10.08.2012 to review the progress in
submission of claims of individual weavers by banks and also the progress in
sanctioning of Weavers’ Credit Cards. The targets were allotted during
June,2012. It was reported during the 4th SIMRC meeting held on 24.08.2012
that banks have issued only 300 cards so far out of the 16000 applications sent
to them.
The member banks are advised to dispose of all the pending applications on
merits before 15.10.2012. The Districtwise / bankwise list of pending
applications is enclosed as annexure.
96
TARGETS FOR WCC TO BE ISSUED -DISTRICT WISE-(Revised)
Sl NO District Name
Target for WCC Cards to be
issued
1196
1 KANCHEEPURAM
2 VELLORE
675
340
1330
1330
3400
340
340
825
1000
700
1000
140
1000
3003
550
340
825
1326
340
20000
3 TIRUVALLUR
4 SALEM
5 COIMABTORE
6 ERODE
7 TRICHY
8 MADURAI
9 VIRUDHUNAGAR
10 THANJAVUR
11 KARUR
12 CUDDALORE
13 TIRUVARUR
14 TIRUPPUR
15 TIRUVANNAMALAI
16 KANYAKUMARI
17 TIRUNELVELI
18 RAMNAD
19 NAMAKKAL
20 DINDIGUL
TOTAL
97
PLEASE REFER SCANNED IMAGE NO.11
98
131st SLBC
New Issues
18. Creation / Release of Online charge by banks on land holdings:
Ministry of Finance, Government of India desires that mortgage on land
holdings of farmers are to be created online by banks to secure the loans
availed by the farmers.
As a first step the land records should be made available online for the entire
State and the same should be integrated with the banking system for easy
verification and creation of online charge over the landed properties. This would
help the farmer to avail loans easily from the banks and he need not go to
various places and spend time and money for this purpose.
At present the mortgages created in favour of the banks are registered with a
Central Registry under SARFAESI Act, 2002. Steps may be initiated to
integrate the State Registration Offices with the Central Registry to facilitate
hassle free registration of mortgages.
An agenda was placed on this in the 130th meeting of the SLBC held on
28.06.2012. The State Government is requested to provide the details of land
records online and creation of mortgage online at the earliest.
99
131st SLBC
New Issues
19. Government of India’s Revised KCC Scheme -Implementation of First
Phase in Select 4 Districts
Reserve Bank of India has issued guidelines on the revised Kisan Credit Card
Scheme to all the Banks vide their letter dated 11.05.2012.
Ministry of Finance, Government of India advised that SLBC in each State
should select 2-4 districts, and every eligible household in such select districts
should be issued a KCC as per the new scheme before June, 2012. This must be
expanded to cover remaining districts by September, 2012.
Accordingly SLBC in consultation with all the four lead banks in the State
selected the following 4 districts for the implementation of the revised KCC
scheme:
1)
2)
3)
4)
Kanyakumari
Salem
Theni
Ariyalur
- Lead Bank, Indian Overseas Bank
- Lead Bank, Indian Bank
- Lead Bank, Canara Bank
- lead Bank, State Bank of India
The member banks were requested to instruct all their branches and Regional /
Zonal Offices in the four districts to launch campaigns immediately to cover all
the eligible households in their service area under KCC before June, 2012.
We have also advised DCC Convenors and Lead District Managers of the above
four districts to convene special DCC meeting for this purpose and monitor the
progress with the banks in their district. Progress in issuance of ATM enabled
revised Kisan Credit Card is very slow. The performance as at the end of June,
2012 in the pilot districts is given below:
S.No
1
2
3
4
Name of the District
Kanyakumari
Salem
Theni
Ariyalur
Total
No. of households
covered under revised
KCC scheme
20
52
0
435
507
The member banks are requested to cover all the eligible farmers in the state
under revised KCC scheme and report correct figures to SLBC for onward
submission to Ministry of Finance.
The LDMs are advised to follow up with the member banks.
100
131st SLBC
New Issues
20. Mahatma
(MGNREGS)
Gandhi
National
Rural
Employment
Generation
Scheme
On 14.10.2011 it was decided in a meeting held at the office of the
Commissioner of Rural Development that the MGNREGS wages would be directly
credited electronically to the accounts of the beneficiaries by the nodal
branches of the banks located in Chennai.
SLBC placed an agenda in the 130th Meeting of SLBC held on 28.06.2012, that in
some districts, the Village Panchayat Presidents deposit cheques in the
branches, asking them to credit the amount to numerous accounts. It is also
reported that in some cases the Panchayat Presidents deposit huge amounts of
cash for credit of accounts of many beneficiaries after which cash withdrawals
are demanded on the account. This is not in line with the principles and
procedures of Electronic Benefit Transfer. The branches of banks are put to
lot of hardships and there are instances of public unrest and disturbances.
The e-payment norms of the Ministry of Finance envisage discontinuance of
cheques so that credits would be only through ECS. Depositing of cash to enable
withdrawal of cash on the spot is also not in keeping with the e-payment norms.
The forum requested that the State Government channelize the MGNREGS
payment only through ECS as in the case of the Old Age Pension Scheme. This
was accepted by Shri.Ponniah, Additional Director, Rural Development who
informed the forum that Government of India had developed software which
was operationalised on 29.05.2012. He also informed that another meeting will
be held during first week of July and the modalities will be worked out therein
and he assured that credits will be made in to the accounts of the beneficiaries
only electronically.
However, so far no meeting was conducted by Dept.of Rural Development. SLBC
continue to receive reports on instances of depositing cheques and cash from
many districts and the branches are put in to severe stress and pressure.
The members are requested to deliberate on this issue.
101
131st SLBC
New Issues
21. Awareness camps to be jointly organized by Agricultural Insurance
Company, Department of Agriculture, Government of Tamil Nadu and Banks.
In the special meeting conducted on 04.07.2012 during the visit of the Governor
of RBI visit to Chennai the Secretary, Agriculture, Government of Tamil Nadu
pointed out that banks are not adequately covering crops under Crop Insurance
in the State.
The Governor, Reserve Bank of India advised SLBC to identify initially 3 to 4
districts for implementation of the sensitization scheme by which the
Agricultural Insurance Company officials, Agri. Dept. officials and the Regional
Heads of the banks meet the borrowers and explain to them about crop
insurance and solicit business.
A special meeting was convened on 24.07.2012 by the Commissioner of
Agriculture at the Secretariat, to discuss the modalities of implementation.
Three pilot districts viz. Thiruvarur (lead bank IOB), Ariyalur (lead bank SBI)
and Salem (lead bank Indian Bank) were selected for this purpose.
Agricultural Insurance Company and Department of Agriculture, Government of
India are requested to arrange for publicity and to arrange for awareness
camps. The member banks are advised to participate very actively in all the
camps at the Block level and also at the District level. The copy of the minutes
of the meeting held on 24.07.2012 is enclosed.
102
PLEASE REFER SCANNED IMAGE NO.12
103
PLEASE REFER SCANNED IMAGE NO.12
104
PLEASE REFER SCANNED IMAGE NO.12
105
PLEASE REFER SCANNED IMAGE NO.12
106
131st SLBC
New Issues
22. Automation of State Government Treasuries:
Ministry of Finance, Government of India advised that full automation
of the State Government Treasuries with banks has immense benefits
for all the stake holders including the concerned State Governments,
the banks and the beneficiaries, such as, convenient and smooth
processes, instant fund transfer and quick credits to
all the
beneficiaries’ accounts, elimination of risks associated with human
interference, cost and time efficient transactions, quick settlement of
claims, automatic instant reconciliation of transactions, substantially
reduced paper work, efficient fund management, effective budgeting
exercise easy and perfect record keeping in digital form etc.
This issue was discussed in the 129th SLBC held on 19.03.2012.
The State Government is once again requested to undertake the
exercise to fully automate the treasury operations including their
interface with the banks at the earliest.
107
131st SLBC
New Issues
23. National Horticulture Board- Back ended subsidy scheme:
National Horticulture Board advised vide their letter dated
31.08.2012 that NHB releases part subsidy (50%) based on the
release of the term loan from the bank. The bank branches are
expected to claim the 2nd and final subsidy after successful
completion of the project and full release of the term loan.
However NHB advises that in 59 cases bank branches have not claimed
the 2nd and final portion of the subsidy from NHB. The district wise
list of 59 cases is given in the annexure. Member banks are requested
to submit the 2nd and final claim immediately.
108
PLEASE REFER SCANNED IMAGE NO.13
109
PLEASE REFER SCANNED IMAGE NO.14
110
PLEASE REFER SCANNED IMAGE NO.14
111
PLEASE REFER SCANNED IMAGE NO.15
112
131st SLBC
New Issues
24. National Commission for Scheduled Castes:
SLBC is furnishing hitherto data on share of SC/ST in the total credit
portfolio of the banks in the agenda for review in every meeting of
the SLBC as per the format provided under the Lead Bank Scheme
prescribed by Reserve Bank of India. The data on bank finance under
TAHDCO scheme is also provided separately which is exclusively
meant for SC/ST.
Now, National Commission for Scheduled Castes, State Office,
Chennai (Tamil Nadu & Puducherry) advised that the issue of
furnishing separate data on SC/ST beneficiaries under DRI Loans and
Government Sponsored Schemes may be taken up for discussion in
SLBC.
The members are requested to deliberate on this issue.
113
PLEASE REFER SCANNED IMAGE NO.16
114
131st SLBC
New Issues
25.T.N.Government’s
Unemployed
Programme(UYEGP Scheme)
Youth
Employment
Generation
The Commissioner, Department of Industries & Commerce advised that a total
of 8796 applications with a subsidy out lay of Rs.2857.73 lakhs were forwarded
by the Department to the banks in the State during 2012-13 against the target
of 5000 applications with a subsidy outlay of Rs.1500 lakhs.
So far 959 applications have been sanctioned by banks with a subsidy outlay of
Rs.303.04 lakhs. Out of the 959 applications sanctioned 81 persons are trained
and the remaining 878 are yet to be trained by the Department.
We advise the member banks to dispose of the pending applications on merits at
the earliest.
We request Department of Industries and Commerce to advise the bank wise
data and also the no. of applications returned by the banks.
The details may be provided by the Department on quarterly basis to enable
SLBC to review the performance.
115
PLEASE REFER SCANNED IMAGE NO.17
116
PLEASE REFER SCANNED IMAGE NO.17
117
New Issues
131st SLBC
26. Convergence of Insurance facilities with FI initiatives:
Ministry of Finance, Government of India issued Strategies & Guidelines on
Financial Inclusion vide their letter dated 21.10.2011. They have issued the
guidelines regarding preparation of District / State Financial Services Plan
which were placed as a separate agenda in the 130th meeting of SLBC.
The Public Sector insurance companies were advised to finalise the District
Insurance plans for all the 31 districts both life and non life at the earliest.
The District Insurance Plan has not been received from any of the
Districts. The Public Sector Insurance Companies are requested to finalise
their district plans before 15.10.2012 and advise the same to LDMs for
their onward transmission to SLBC.
118
131st SLBC
Agenda No. 3
Financial Inclusion & Green Initiatives - Electronic transfer of benefit
payments
Banks have already opened a large number of no-frills accounts for reaching out
to the door steps of the people in villages having population of over 2000. The
State Government already commenced disbursement of Old Age Pension through
Banks from September, 2011 on a pilot basis in one taluk each in three Districts
viz. Trichy, Cuddalore and Kanyakumari. Now, it has been decided to expand the
scheme to all the villages with a population of 2000 or more identified under the
Financial Inclusion Plan in the State which is scheduled to be completed before
September 2012.
The payment of grants / subsidies is routed through banks accounts in the
following schemes also:
1. Dr. Muthulakshmi Maternity benefit scheme
2. Lean period assistance for coastal fishermen
B)
RBI, Chennai vide letter dated 17.12.2009 has called for statistical data
(in a prescribed format) on ICT based Financial Inclusion from member Banks in
Tamil Nadu. SLBC is collecting, compiling and submitting to RBI. All the
member Banks are requested to furnish the data on time to SLBC.
C) The progress made by the Member Banks under Financial Inclusion as of June
2012 is furnished in the Annexure.
119
S.No
Progress under Financial Inclusion by Banks - Cumulative position
As of June 2012
Overdraft
General
'No-Frills’
granted in
Smart Cards
Purpose
Name of the Bank
a/c opened
No-Frills SB
issued
Credit Cards
(Nos)
a/c
(Nos.)
issued (Nos)
(Nos)
1
Allahabad Bank
14267
0
0
777
2
Andhra Bank
4221
4
19
1238
3
Axis Bank Ltd.
24037
0
0
0
4
Bank of Baroda
55237
144
0
5412
5
Bank of India
203414
2451
11445
31510
6
Bank of Maharashtra
1315
0
295
0
7
Canara Bank
1134844
66803
732
69552
8
Central Bank of India
90648
5124
73
51352
9
132814
5149
228
6519
10
Corporation Bank
Catholic Syrian Bank
Ltd.
2384
4
0
490
11
City Union Bank Ltd.
65506
0
0
18026
12
Dena Bank
25436
20
0
0
13
Dhanalakshmi Bank Ltd.
16841
0
0
16841
14
Federal Bank Ltd.
8003
9
0
0
15
HDFC Bank Ltd.
97204
2663
0
305
16
ICICI Bank Ltd.
138017
33
0
0
17
Indian Bank
1997930
3084
18144
627764
18
Indian Overseas Bank
2287764
4833
2502
252812
19
Indus Ind Bank Ltd.
15399
0
0
0
20
IDBI Bank
19802
1
0
0
21
ING Vysya Bank Ltd.
Jammu & Kashmir Bank
Ltd.
595
0
8
0
3
0
0
0
22
120
S.No
Name of the Bank
'No-Frills’
a/c opened
(Nos)
General
Purpose
Credit Cards
issued (Nos)
Overdraft
granted in
No-Frills
SB a/c
(Nos)
Smart
Cards
issued
(Nos.)
23
Karur Vysya Bank Ltd.
45071
0
0
4432
24
Karnataka Bank Ltd.
14726
0
3
0
25
Kotak Mahindra Bank Ltd.
7702
0
0
0
26
Lakshmi Vilas Bank Ltd.
28513
0
0
4687
27
Oriental Bank of Commerce
1180
1
0
0
28
Pallavan Grama Bank
246195
491
18921
1937
29
Pandyan Grama Bank
612459
350
0
6092
30
Punjab National Bank
94351
1402
0
2011
31
Punjab & Sind Bank
1586
0
0
0
32
South Indian Bank Ltd.
74880
643
1
4005
33
1076190
92
23824
13652
34
State Bank of India
State Bank of Bikaner &
Jaipur
2157
0
0
0
35
State Bank of Mysore
3576
130
17
0
36
State Bank of Patiala
776
11
1
0
37
State Bank of Travancore
83312
1070
0
993
38
72039
2815
109
1366
132090
560
0
2982
40
Syndicate Bank
Tamil Nadu Mercantile
Bank Ltd.
Tamil Nadu State Apex
Co.op Bank
36847
0
0
0
41
Union Bank of India
169590
716
0
53442
42
United Bank of India
956
0
0
0
43
UCO Bank
83734
7
10
6012
44
Vijaya Bank
27307
558
355
195
9150918
99168
76687
1184404
39
Total
121
131ST SLBC
AGENDA No: 4
REVIEW ON BANKING DEVELOPMENTS
PARAMETERS AS OF JUNE 2012
IN
KEY PARAMETERS
(Amount – Rs.in Crores)
VARIATION & %
JUNE
OF GROWTH
2012
Parameters
No. of Branches
Deposits
Advances
CD Ratio
Investments
Credit + Investment to
Deposit Ratio
Priority Sector Advances
% of Priority Sector
Advances to Total Advances
Agricultural Advances
% of Agricultural Advances to
Total Advances
Micro & Small Enterprises
(MSE)
Of which Micro Enterprises
Micro Credit
Education
Housing
Advances to Weaker Sections
% of Weaker Section
Advances to Total Advances
DRI Advances
% of DRI Advances to Total
Advances
JUNE
2011
TAMILNADU
ON
KEY
6767
7494
727
(11%)
327180.69
390518.57
63337.88
(19.36%)
383022.33
458306.55
75284.22
(19.66%)
117.07%
117.36%
0.29%
2474.81
2764.39
289.58
117.82%
118.07%
0.24%
150720.85
177629.42
26908.57
(17.85%)
40.09
60947.29
39.54
77402.66
16455.37
(27.00%)
16.21
17.23
53440.34
60771.14
7330.80
(13.72%)
17435.42
22426.60
4991.18
(28.63%)
3695.98
3299.61
-396.37
10519.44
12364.79
1845.35
(17.54%)
22117.80
35878.73
23492.12
51451.74
1374.32
15573.01
(6.21%)
(43.40%)
9.54
11.45
151.13
224.59
73.46
(48.61%)
0.04
0.05
122
BRANCH NETWORK
As at the end of June 2012, the total number of Bank Branches in Tamil Nadu
increased to 7494 from 6767 in June 2011. Group wise spread of Bank branches
in Tamil Nadu as of June 2011 and June 2012 are given below:
Name of the Group
State Bank Group
Nationalised Banks
Other Public Sector Banks
Private Sector Banks
RRBs
Foreign Banks
Total
JUNE
2011
992
3731
56
1646
318
24
6767
JUNE 2012
1059
4117
66
1883
345
24
7494
Variation
67
386
10
237
27
0
727
DEPOSIT GROWTH
Deposits of the Banks in Tamil Nadu have increased from Rs.327180.69 crores
as of June 2011 to Rs.390518.57 crores as at June 2012, registering an increase
of Rs.63337.88 crores. The year on year incremental deposit growth is 19.36%
as against the growth of 14.17% from June 2010 to June 2011.
CREDIT EXPANSION
The total advances increased from Rs.383022.33 crores as of June 2011 to
Rs.458306.55 crores as of June 2012, an increase of Rs.75284.22 crores. The
incremental growth is 19.66% as against the growth rate of 22.79% recorded in
the previous year.
CD RATIO
The Credit Deposit Ratio of Commercial Banks in Tamil Nadu slightly increased
from 117.07% as of June 2011 to 117.36% as of June 2012.
123
PRIORITY SECTOR ADVANCES
The percentage of priority sector advances is 39.54% as against the national
norm of 40%.
Priority Sector Advances have grown by 17.85% Y.O.Y as against 23.74% during
June 2010 to June 2011.
AGRICULTURAL ADVANCES
The aggregate of agricultural advances extended by Banks in Tamil Nadu have
increased from Rs.60947.29 crores as of June 2011 to Rs.77402.66 crores as
of June 2012, thus registering an increase of Rs.16455.37 crores in absolute
terms and 27% in percentage terms. [The growth rate during the period June
2010 to June 2011 was 23.46%]. The share of agricultural credit in total
advances as of June 2012 is 17.23% against the national norm of 18%.
MICRO & SMALL ENTERPRISES (MSE)
The advances to Micro & Small Enterprises sector (MSE) during the period
under review has witnessed an increase by Rs.7330.80 crores, from
Rs.53440.34 crores as at June 2011 to Rs.60771.14 crores as at June 2012.
The incremental growth is 13.72% as against the growth rate of 27.77%
recorded in the previous year.
The share of MSE advances in total advances as of June 2012 was 13.53%. The
share of Micro Enterprises in Micro & Small Enterprises (MSE) is only 36.90%
as against the stipulated norm of 60%. Member Banks are advised to
concentrate more on Micro Enterprises.
124
EDUCATION
Educational Loans have increased from Rs.10519.44 crores in June 2011 to
Rs.12364.79 crores as of June 2012. The increase of Rs.1845.35 crores under
Educational Loans represents a growth rate of 17.54%.
Year-on-year (June 2010 to June 2011), there is an increase of Rs.2487.19
crores in Educational Loans outstanding, recording a growth rate of 30.97%.
HOUSING
The outstanding under Housing Loans has registered an increase of Rs.1374.32
crores from Rs.22117.80 crores in June 2011 to Rs.23492.12 crores in June
2012, registering a growth rate of 6.21%. During the corresponding period of
the previous fiscal, there was an increase of Rs.2176.70 crores in Housing Loans
outstanding with 10.92% growth rate.
ADVANCES TO WEAKER SECTIONS
The advances to Weaker Sections increased from Rs.35878.73 crores as of
June 2011 to Rs.51451.74 crores as at the end of June 2012, registering a
growth rate of 43.40%. At this level, advances to Weaker Sections constituted
11.45% of the total credit against the national norm of 10%.
The growth during last year (June 2010- June 2011) was 27.72%.
DRI ADVANCES
The outstanding advances under DRI has increased from Rs.151.13 crores as on
June 2011 to Rs.224.59 crores as of June 2012, registering a growth rate of
48.61%
The percentage of DRI advances to total advances is 0.05%.
125
NATIONAL NORMS
PERFORMANCE OF COMMERCIAL BANKS
NATIONAL NORMS ARE AS UNDER:
UNDER
THE
STIPULATED
(Amount Rs.in Crores)
Particulars
Priority Sector Advances to
Total Advances
Agricultural Advances to Total
Advances
Weaker Section Advances to
Total Advances
Micro Enterprises
National Norms for
March 2013
%
Target
Amount
Achievement upto
June 2012
%
Amount
40
179704.91
39.54%
177629.42
18
80867.21
17.23%
77402.66
10
44926.23
11.45%
51451.74
60
36462.68
36.90%
22426.60
The share of Priority Sector advances stands at 39.54% as against the National
Norm of 40%. The percentage of Priority Sector Advances to total Advances
has shown a marginal decline from 40.09% as at the end of June 2011 to 39.54%
as at the end of June 2012.
The percentage of Agricultural advances to total advances as at the end of
June 2012 works out to 17.23%. The percentage of Agri Advances to total
advances has increased from 16.21% as at the end of June 2011 to 17.23% in
June 2012.
The share of advances to weaker sections has also increased from the level of
9.54% in June 2011 to 11.45% in June 2012.
ACTION AREAS:1. Member Banks have to enhance their lending under Priority Sector so as
to achieve the annual target of Rs.179704.91 crores by March 2013.
2. Similarly credit disbursement to Farm Sector has to be accelerated for
achieving the March 2013 target of 80867.21 crores.
126
CREDIT + DEPOSIT RATIO
CD Ratio as of June 2012 is as follows:
(a)
Commercial Banks
:
117.36%
(b)
Including Co-operative Banks
:
118.03%
DISTRICTWISE
TAMILNADU
PERFORMANCE
OF
COMMERCIAL
BANKS
IN
A comparative analysis of the performance of the Commercial Banks in Tamil
Nadu indicates the following:
a) Theni district has the highest CD ratio at 194% followed by Tiruppur
district (183%) & Ariyalur district (176%).
b) Of the 31 lead districts, the CD ratio of 30 districts is above the RBI norm
of 60%.
c) Kancheepuram District is having CD ratio of 55% which is less than the
National Norm of 60% and Member Banks are requested to evolve suitable
strategies to improve their lending so as to achieve the National Norm for
CD Ratio in that district.
Agricultural advances to total advances in the following district is below 18%
norm.
Tiruppur
--
16.73%
127
REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN TAMILNADU
AS AT THE END OF JUNE 2012
As at the end of June 2012, there were 798 branches of Co-operative Banks
(both, District Central Co-operative Banks and State Agricultural and Rural
Development Banks) in Tamil Nadu.
The details are furnished for the
information of the members.
JUNE 2011
Classification of Branches
JUNE 2012
Rural
261
270
Semi-Urban
200
197
Urban
192
185
Metro
139
146
TOTAL
792
798
(Amount – Rs. in Crores)
JUNE 2011
Particulars
JUNE 2012
Deposits
18954.57
22476.44
Advances
25518.38
29149.56
Investments
6180.34
7001.70
CD Ratio
134.63%
129.69%
Credit + Investment to Deposit Ratio
167.24%
160.84%
(Amount – Rs. in Crores)
S.No.
1
JUNE 2011
Particulars
Agricultural Advances
Of which, Direct Advances
2
Micro & Small Enterprises
3
Education
4
Housing
5
Micro Finance & Others
TOTAL
128
JUNE 2012
2819.11
3592.58
122.86
426.74
1558.04
2061.74
16.21
3.22
281.02
169.51
1240.22
320.27
5914.60
6147.32
ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS
(Amount – Rs. in crores)
JUNE 2011
Total Advances to Weaker Sections
JUNE
2012
3270.65
4195.84
1152.85
1534.09
138.52
1082.48
31.49
121.98
Of which,
(i) Advances under SC/ST
(ii) Advances under IRDP/SGSY
(iii) Advances under DRI
NPA POSITION IN PRIORITY SECTOR ADVANCES – MARCH 2012
(Amount Rs. in Crores)
NPA
% of NPA
Amount
i) NPA in Housing loans
18.81
12.45%
ii) NPA in Education loans
6.75
28.74%
384.20
10.32%
30.30
1.35%
v) NPA in Loans under Weaker Section of Priority
Sector Lending
106.99
2.11%
vi) NPA in over all Priority Sector Lending
440.06
6.22%
iii) NPA in Agriculture Loans
iv) NPA in Loans to MSE
129
PLEASE REFER DATA SHEET NO.1
130
PLEASE REFER DATA SHEET NO.2
131
PLEASE REFER DATA SHEET NO.2
132
131st SLBC
AGENDA No: 5
REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN
2012 – 2013: APRIL 2012 TO JUNE 2012
As per the quick information report obtained from the Lead District Managers,
Banks in Tamil Nadu have disbursed total credit of
Rs.17127.49 crores
under Annual Credit Plan during 2012-13 as against the proportionate plan
allocation of Rs.20628.04 crores, representing 83% achievement under ACP for
the year 2012-13.
Amount in Rs. crores
Sector
Farm
Non-Farm
OPS
TOTAL
Credit Allocation Credit Disbursed
April 2012 to June 2012
13081.25
3573.27
3973.52
20628.04
% of
Achievement
10920.19
3005.87
3201.43
17127.49
83
84
81
83
A comparative position of disbursement under ACP upto the quarters ended
June 2011 and June 2012 is furnished below:Amount Rs. in crores
Sector
Farm
Non-Farm
OPS
TOTAL
Credit disbursed
from April 2011
to June 2011
7292.74
2597.57
2737.03
12627.34
Credit disbursed
from April 2012
to June 2012
10920.19
3005.87
3201.43
17127.49
133
Variation in
percentage
49.74
15.72
16.97
35.64
District wise performance:
District wise/Major Sector wise performance for the period ended
June
2012 is furnished in Annexure – I. Banking System in Tamil Nadu has achieved
83% of the plan allocation during the period under review. The performance of
the individual districts varies from 18% to 109%. 4 districts have achieved
more than 100% of the target.
Sector wise performance:
A. Farm Sector (Agriculture and Allied Activities):
The performance under Farm Sector is satisfactory with 83% achievement
during the first quarter ended June 2012. 5 districts have achieved 100% or
more under Farm Sector. Tuticorin district shows an achievement of 27% under
Farm Sector which is far below the desired level.
B. Non-Farm Sector – Industries:
Performance of Banks in Tamil Nadu under Non-Farm Sector works out to 84%
of the proportionate plan allocation during the first quarter ended June 2012.
9 districts have achieved 100% or more under Non-Farm Sector.
The performance of Banks in the following 5 districts is much below 50%. LDMs
need to bestow their attention and impress upon Member Banks in their
respective districts to improve the performance under Non-Farm Sector during
the current year.
Sl.No.
District
1
TIRUNELVELI
2
PERAMBALUR
3
VIRUDHUNAGAR
%
33
26
13
Sl.No.
4
5
134
District
TUTICORIN
KANYAKUMARI
%
7
3
C. Other Priority Sector:
Performance of Banks in Tamil Nadu under Other Priority Sector Advances
works out to 81% of the proportionate plan allocation during the first quarter
ended June 2012. 7 districts have achieved more than 100% of the target.
While Banks in the remaining districts have to increase their disbursement
under OPS category during the current year, in the following 3 districts where
the performance is under 50%, Banks have to focus on scaling up disbursement.
Sl.No.
District
1
PERAMBALUR
2
KANYAKUMARI
3
TUTICORIN
%
25
23
8
The details of progress made under ACP 2011-12 upto the quarter ended March
2012 (District-wise / Bank-wise / Activity-wise) have also been furnished in the
Annexure for information.
135
PLEASE REFER DATA SHEET NO.3
136
PLEASE REFER DATA SHEET NO.4
137
PLEASE REFER DATA SHEET NO.5
138
PLEASE REFER DATA SHEET NO.5
139
PLEASE REFER DATA SHEET NO.6
140
AGENDA No: 5A
131st SLBC
ANNUAL CREDIT PLAN 2012-13
The Annual Credit Plan for 2012-13 was placed in the 130th SLBC Meeting held
on 28.06.2012 for approval. However, since NABARD advised the revised farm
sector target for the State subsequently, the district-wise revised farm sector
target was advised to the LDMs for allocation among the member banks.
Accordingly, the revised consolidated Annual Credit Plan for the Financial year
2012-13 incorporating the changes advised by NABARD for the State of Tamil
Nadu is placed below for the approval of the forum.
The credit plan for the year 2012-13 envisages a total credit flow of
Rs.82513.77 crores under the 3 major sectors which represents an increase of
Rs.25892.13 crores in absolute terms representing an incremental growth of
45.73% over the previous year’s ACP outlay. The sector-wise details are given
below:
Sector
Farm Sector
Non-Farm Sector
OPS
Total
Allocation
2011-12
31017.09
12582.48
13022.07
56621.64
2012-13
52325.53
14293.54
15894.70
82513.77
% of Increase
68.70%
13.60%
22.06%
45.73%
The District-wise / Bank-wise / Activity-wise Allocation under ACP for 20122013 is enclosed.
Active involvement of all the Banks in Tamilnadu is sought for the successful
implementation of the Annual credit plan 2012-13. Various Departments and
agencies of the Government are also requested to extend support in filling up
the infrastructure gaps, if any.
141
PLEASE REFER DATA SHEET NO.7
142
PLEASE REFER DATA SHEET NO.8
143
PLEASE REFER DATA SHEET NO.9
144
131st SLBC
AGENDA No: 6
Prime Minister’s Employment Generation Programme (PMEGP)
KVIC, Chennai vide their letter dated 07.08.2012 has advised the target
sanctioned for 2012-13 under PMEGP, as given below:TENTATIVE TARGET UNDER PMEGP – 2012-13
Agency
KVIC – SO
KVIC – DO
KVIC-TN
KVIB
DIC
GRANDTOTAL
TARGET (Projects, Emp in No’s & M.M. in Rs. in lakhs)
Projects
M.M.
Emp
317
728.49
2536
151
346.89
1208
468
1075.38
3744
467
1075.37
3736
624
1433.83
4992
1559
3584.58
12472
The State Level Monitoring Committee on PMEGP has decided that all the
pending claims of Margin Money available with the Nodal Banks should be
cleared first on top priority as per the procedure in vogue and then only new
target should be taken up by the agencies for implementation.
In the case of Chennai Region, the target sanctioned will be sufficient enough
to meet the pending claims and if any additional target for new programme is
received, the same will be placed before SLBC with the details of Bank-wise &
District-wise.
KVIC, Madurai will clear the pending claims first to the tune of Rs.17.51 lacs and
then start the implementation of PMEGP Scheme in Madurai Region for
achieving the remaining target. Hence, the Bank-wise and District-wise Target
for Madurai Region during the year 2012-13 is furnished in the Annexure 1 & 2.
PMEGP Bank-wise Cumulative Performance for the year 2012-13 as on
03.08.2012 is furnished in Annexure 3.
145
ANNEXURE 1
DISTRICT WISE TARGET UNDER PMEGP -2012-13 IN MADURAI REGION
S.No.
DISTRICT
PROJECT
(Nos.)
SUBSIDY
(Rs.Lacs)
EMP.
(Nos.)
21
47.89
168
7
16.10
56
Madurai
16
36.80
128
4
Pudukkottai
17
39.10
136
5
Ramanathapuram
15
34.50
120
6
Sivaganga
14
32.20
112
7
Theni
11
25.30
88
8
Tirunelveli
15
34.50
120
9
Thoothukkudi
19
43.70
152
10
Virudhunagar
16
36.80
128
151
346.89
1208
1
Dindugal
2
Kanniyakumari
3
TOTAL
146
ANNEXURE 2
BANK WISE TARGET UNDER PMEGP -2012-13 IN MADURAI REGION
PROJECT
(Nos.)
SUBSIDY
(Rs.Lacs)
EMP.
(Nos.)
S.No.
Name of the Bank
1
State Bank of India
28
63.41
221
2
Canara Bank
23
53.66
187
3
Indian Overseas Bank
22
51.22
178
4
Indian Bank
19
43.49
153
5
Bank of India
9
20.70
72
6
Union Bank of India
8
19.02
66
7
Central Bank of India
7
15.61
54
8
Bank of Baroda
6
14.63
51
9
Syndicate Bank
5
11.22
39
10
Vijaya Bank
4
8.78
31
11
Punjab National Bank
4
8.29
29
12
Dena Bank
1
2.93
10
13
Corporation Bank
1
2.93
10
14
State Bank of Travancore
1
1.95
7
15
UCO Bank
1
1.46
5
16
Andhra Bank
1
1.46
5
17
Allahabad Bank
1
2.21
8
18
Bank of Maharastra
1
1.46
5
19
Oriental Bank of Commerce
1
1.46
5
20
Tamilnadu Mercantile Bank
5
13.10
45
21
City Union Bank
1
2.64
9
22
Karur Vysya Bank
1
2.64
9
23
Lakshmi Vilas Bank
1
2.62
9
151
346.89
1208
TOTAL
147
ANNEXURE 3
PMEGP BANKWISE CUMULATIVE PERFORMANCE
FOR THE YEAR 2012-13
( As on 03.08.12)
S.No Bank
Margin
Money
(Rs. Lakhs)
Projects
1 Bank of Baroda
48
177.00
2 Bank of India
43
149.97
3 Canara Bank
125
271.4
4 Central Bank of India
51
161.23
5 Corporation Bank
19
79.94
0
0.00
7 Indian Bank
156
319.49
8 Indian Overseas Bank
228
648.86
9 Punjab National Bank
47
122.87
118
267.17
9
53.7
12 Syndicate Bank
36
92.66
13 Union Bank of India
32
105.75
146
584.36
10
10.39
1069
3045.84
6 Dena Bank
10 State Bank of India
11 State Bank of Travancore
14 Tamilnadu Mercantile Bank
15 Vijaya Bank
Total
148
131st SLBC
AGENDA No: 7
SWARNA JAYANTI SHAHARI ROZGAR YOJANA (SJSRY)
SJSRY Programme consists of two special schemes namely (i) Urban SelfEmployment Programme (USEP) and (ii) Urban Women Self-Help Programme
(UWSP).
The progress made under SJSRY for the programme year 2011-12 as on
30.06.2012 is furnished below:
(Amount Rs.in Lacs)
SJSRYSJSRYNO.
PARTICULARS
TOTAL
USEP
UWSP
1
Applications sent to Banks
14514
2253
16767
2
Applications sanctioned
12758
1717
14475
3
Applications rejected
1756
536
2292
4
Applications Pending
0
0
0
5
Subsidy allotted
1969.50
1547.75
3517.25
6
Subsidy utilized
1287.82
1016.29
2304.11
7
Subsidy pending
681.68
531.46
1213.14
8
% of subsidy utilization
65
66
66
Subsidy utilization level for the Programme year 2011-12 as on 30.06.2012 so
far is 65% & 66% under USEP and UWSP scheme respectively. Member Banks
are advised to speed up the sanction / disposal of the pending loan applications
and ensure 100% utilization of the subsidy allotted under SJSRY.
District wise SJSRY Financial Action Plan for the year 2012-2013 under two
special schemes USEP and UWSP in terms of Financial out lay and Physical
targets is given in the Annexure for the information of the Member banks for
achievement during the Financial Year 2012 – 13.
149
PLEASE REFER DATA SHEET NO.10
150
PLEASE REFER DATA SHEET NO.10
151
PLEASE REFER DATA SHEET NO.10
152
PLEASE REFER DATA SHEET NO.10
153
PLEASE REFER DATA SHEET NO.10
154
PLEASE REFER DATA SHEET NO.11
155
PLEASE REFER DATA SHEET NO.11
156
PLEASE REFER DATA SHEET NO.11
157
PLEASE REFER DATA SHEET NO.11
158
PLEASE REFER DATA SHEET NO.11
159
131ST SLBC
AGENDA No: 8
SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY) /
NATIONAL RURAL LIVELIHOOD MISSION (NRLM)
With effect from 31.03.2012, the present SGSY Scheme has been replaced
with the new programme named NRLM (National Rural Livelihood Mission).
The objective of the Mission is to reduce poverty among rural BPL by promoting
diversified and gainful self-employment and wage employment opportunities
which would lead to an appreciable increase in income on sustainable basis. In
the long run, it will ensure broad based inclusive growth and reduce disparities
by spreading out the benefits from the islands of growth across the regions,
sectors and communities.
FINANCIAL ALLOCATION UNDER SGSY/NRLM DURING 2012-13 FOR
TAMIL NADU STATE
Ministry of Rural Development, (Rural Livelihoods Division), Govt. of India, New
Delhi have advised that the total central allocation for SGSY/NRLM is
Rs.102.77 crores and State allocation is Rs.34.26 crores, totaling to Rs.137.03
crores for the year 2012-13.
PHYSICAL TARGETS UNDER SGSY/NRLM DURING 2012-13
The Physical Targets for the year 2012-13 under SGSY/NRLM have also been
worked out on the basis of allocation made for Tamil Nadu State, which is
furnished below:a) No. of SHGs to be assisted with Subsidy and Credit
= 8521
b) Total No. of SHGs Swarozgaris to be assisted
(Assuming 10 Members per group)
= 85210
c) Total No. of Individual Swarozgaris to be assisted
= 4672
d) Total No. of Swarozgaris to be assisted
e) Of which, Total No. of Minorities Swarozgaris to
be assisted
160
= 89882
= 13482( 15%)
Nodal Agency viz., Tamilnadu Women Development Corporation Ltd (TNCDW) is
requested to prepare an Action Plan for the implementation of SGSY/NRLM so
that the physical targets set for the year 2012-13 are achieved.
TNCDW have advised the Economic Assistance -Progress details
(Districtwise) as on 11.08.2012 under SGSY 2011-12 which is furnished in the Annexure.
161
SGSY - 2011 - 12
Economic Assistance - Progress Details as on 11.08.2012
S.
No
1
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
District
E.A Target
Physical
(No.of
SHGs)
Subsidy
Released to
Bank (No.of
SHGs)
Credit
Disbursed
(No.of
SHGs)
% of Credit
Disbursed
against
achievement
(No.of SHGs)
2
3
4
180
227
327
195
296
197
365
211
148
208
265
256
233
60
72
198
223
388
246
329
170
354
287
324
212
240
234
252
660
764
251
8372
5
157
227
270
134
182
162
315
99
122
150
246
247
163
49
61
169
81
133
240
233
122
296
268
181
119
185
177
222
584
185
193
5972
6
87
100
83
69
61
82
86
47
82
72
93
96
70
82
85
85
36
34
98
71
72
84
93
56
56
77
76
88
88
24
77
71
Ariyalur
Coimbatore
Cuddalore
Dharmapuri
Dindigul
Erode
Kancheepuram
Kanniyakumari
Karur
Krishnagiri
Madurai
Nagapattinam
Namakkal
Nilgiris
Perambalur
Pudukkottai
Ramnad
Salem
Sivagangai
Thanjavur
Theni
Thirunelveli
Thiruvallur
Thiruvannamalai
Thiruvarur
Thoothukudi
Tiruppur
Trichy
Vellore
Villupuram
Virudhunagar
TOTAL
127
227
327
195
242
184
365
162
142
204
265
204
196
60
72
197
177
338
174
297
136
329
283
324
212
240
200
222
530
621
207
7464
162
AGENDA No: 9
131st SLBC
BANK FINANCE UNDER HOUSING SCHEME:
In tune with the National Agenda 'HOUSING FOR ALL' Credit Flow to Housing
Sector is identified as one of the major thrust areas by the Banks.
As per Reserve Bank of India guidelines, each bank should reach 3% of their
incremental deposits of the previous year under housing finance. Accordingly, it
is estimated that Rs.3019.59 crores should be extended to Housing Sector from
banking system in Tamil Nadu during the year 2012-13.
As per the feed- back received from member banks, disbursement to the tune
of Rs.973.53 crores has been made during the first quarter ended June 2012.
The Bank wise disbursement details for the first quarter is furnished in the
Annexure. It may be noted that 2 Banks marked (*) have not submitted any
data as a result of which the aggregate disbursement might have been
understated. These banks are requested to submit the data immediately.
Break-up of the portfolio on the basis of loan size is as follows:(Amount Rs.in Lakhs)
Disbursement made during the quarter ended June 2012 (April’12 to June’12)
Limit Upto Rs.5
Lacs
Limit above Rs.5
lacs - upto Rs.10
Lacs
Limit above Rs.10
Lacs - upto Rs.15
Lacs
Limit above
Rs.15 Lacs - upto
Total
Rs.25 Lacs
No.
Amount
No.
Amount
No.
Amount
No.
Amount
No.
Amount
8318
18261.76
5857
27003.93
3409
25359.00
2712
26728.68
20296
97353.37
As per revised RBI guidelines, limits sanctioned up to Rs.25 lacs in metropolitan
centers with population above Rs. 10 lakhs and Rs.15 lakhs in other centers for
purchase /construction of a dwelling unit per family excluding loans sanctioned
bank’s own employees are classified as Priority Sector Advanes which may
please be noted.
Banks are also advised to include in the above statement, loans given for repairs
to damaged dwelling units of families upto Rs 2 lacs in rural and semi urban
areas and Rs. 5 lacs in urban and metropolitan areas.
163
Bank Finance under Housing Scheme – Direct Housing Finance
For the quarter ended June 2012
Amount Rs.in Lacs
Disbursement made during the
quarter ended June 2012
Sl.
Name of the Bank
(April’12 to June’12)
No.
No.
Amount
1
Allahabad Bank
67
255.78
2 Andhra Bank
266
1240.98
3 Axis Bank Ltd.
0
0.00
4 Bank of Baroda
304
2479.77
5 Bank of Maharashtra
25
338.00
6 Bank of India
648
3011.00
7 Canara Bank
2461
8351.23
8 Catholic Syrian Bank
12
139.60
9 Central Bank of India
124
903.91
10 City Union Bank Ltd.
294
1802.57
11 Corporation Bank
341
3517.61
12 Dena Bank
20
153.00
13 Dhanalakshmi Bank Ltd.
2
12.50
14 Federal Bank Ltd., *
15 HDFC Bank Ltd.
1236
1259.14
16 ICICI Bank Ltd.
450
3533.00
17 Indian Bank
3849
17852.52
18 Indian Overseas Bank
2332
16595.00
19 IDBI Bank Ltd.
355
1339.08
20 Indus Ind Bank Ltd.
5
29.11
21 Ing Vysya Bank Ltd.
4
17.90
22 Jammu & Kashmir Bank Ltd.
6
25.62
23 Karur Vysya Bank Ltd.
269
2748.08
24 Karnataka Bank Ltd.,
47
306.02
25 Lakshmi Vilas Bank Ltd.
50
437.74
26 Oriental Bank of Commerce
67
383.53
27 Pandyan Grama Bank
22
82.70
164
Amount Rs.in Lacs
Sl.
No.
Name of the Bank
Disbursement made during the
quarter ended June 2012
(April’12 to June’12)
No.
Amount
28
Pallavan Grama Bank
3
9.00
29
Punjab National Bank
81
659.37
30
Punjab & Sind Bank
18
194.20
31
South Indian Bank Ltd.
49
319.60
32
State Bank of Bikaner &
Jaipur *
33
State Bank of Hyderabad
119
732.00
34
State Bank of India
3896
16083.00
35
State Bank of Mysore
32
258.30
36
State Bank of Patiala
17
78.98
37
State Bank of Travancore
144
1395.00
38
Syndicate Bank
419
2602.00
39
Tamilnadu Mercantile Bank
1228
4207.80
40
UCO Bank
14
117.34
41
Union Bank of India
534
2019.80
42
United Bank of India
39
442.59
43
Vijaya Bank
GRAND TOTAL
447
20296
1419.00
97353.37
165
131st SLBC
AGENDA No: 9 (A)
GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS)
The National Housing Bank has formulated the Golden Jubilee Rural Housing
Finance Scheme (GJRHFS) in August 1997 on the occasion of the Golden Jubilee
of India's Independence.
As per the feedback received from the member banks, 1539 loans amounting to
Rs.5898.39 lacs were disbursed under Golden Jubilee Rural Housing Finance
Scheme during the first quarter ended June 2012 as shown below:
(Amount in Rs. Lacs)
Particulars
Scheduled
Castes
No.
Amt.
Total Loans
sanctioned during
the Quarter
141 352.24
Total Loans
disbursed during
the Quarter
141 348.99
Scheduled
Tribes
No.
Amt.
Others
No.
Amt.
Total
No.
Amt.
31
44.21 1367 5599.54 1539 5995.99
31
44.21 1367 5505.19 1539 5898.39
Member Banks are requested to furnish the details of housing loans under
Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.
166
131st SLBC
AGENDA No: 10
Educational Loans
A)
The details of educational loans granted by member banks are furnished
in the annexure 1.
As per the reports received, 25176 loans to the tune of Rs.321.39 crores have
been granted during the first quarter ended June 2012 of which
Engineering/Medical account for 19191 loans amounting to Rs.229.97 Cr, 572
loans for study in Abroad amounting to Rs.49.77 Cr and 5413 loans to Others, to
the tune of Rs.41.65 Cr.
Out of 25176 Educational loans granted to the tune of Rs.321.39 crores, SC/ST,
Minority Communities & Women accounts for 3851 loans amounting to Rs.49.49
Cr, 1639 loans amounting to Rs.35.66 Cr and 7728 loans to the tune of Rs.87.67
Cr respectively.
The following Banks who have not furnished the data on Educational Loans as of
June 2012 are requested to submit the same immediately.
Sl.
Name of the Bank
No.
1
Federal Bank Ltd.
2 HDFC Bank Ltd.
Sl.
No.
3
4
Name of the Bank
ICICI Bank Ltd.
United Bank of India
The following Banks who have not furnished the break-up regarding SC/ST,
Minority & Women are requested to submit the data without fail.
Sl.
Name of the Bank
No.
1
J & K Bank Ltd.
2 State Bank of Bikaner & Jaipur
Sl.
No.
3
Name of the Bank
State Bank of Mysore
Member Banks are requested to advise the progress made in granting of
Educational Loans promptly to SLBC and DCCs.
167
B)
As per the details received from the Member Banks the status of loan
applications received / sanctioned / rejected / pending are as under. Bank-wise
data is enclosed in the annexure 2.
Loan Applications
Received
Education Loans
Sanctioned
No.
26157
No.
25176
Amount
34215.41
Amount
32139.03
(Amount in Lacs)
Loan
Loan
Applications
Applications
Rejected
Pending
No.
Amount
No.
Amount
633 1249.47
348
826.91
Member Banks are requested to expedite disposal of the pending loan
applications.
As advised by Department of Financial Services, Ministry of Finance,
Government of India and as informed to member banks vide SLBC letter dated
12.09.12, all member banks should have a grievance redressal cell and grievance
redressal mechanism should be in place for education loans. Likewise SLBC shall
also have a grievance redressal cell. The name of the official incharge of the
cell alongwith phone number should be provided to SLBC.
All member banks should give an advertisement individually about the grievance
redressal mechanism and availability of grievance redressal cell alongwith the
address of the cell, e-mail ID, name and telephone no. of the official incharge of
the cell.
168
PLEASE REFER DATA SHEET NO.12
169
PLEASE REFER DATA SHEET NO.12
170
PLEASE REFER DATA SHEET NO.13
171
PLEASE REFER DATA SHEET NO.13
172
131st SLBC
AGENDA No: 11
MICRO & SMALL ENTERPRISES (MSE) SECTOR
Credit flow to MSE Sector during the first quarter ended June 2012 is
furnished in the annexure. Credit flow to Micro and Small Enterprises amount
to Rs.1757.24 Crores & Rs.2486.10 Crores respectively.
The MSE disbursement made during the first quarter 2012-13 is Rs.4243.34
crores compared to Rs.3781.57 crores disbursed during the last year 2011-12.
(12.21% growth)
The share of advance to Micro Enterprises to total MSE for the quarter ended
June 2012 (April 2012 to June 2012) is 41.41% against stipulated level of 60%. (
During the corresponding period last year it was 26.42%. Member Banks are
advised to speed up the flow of credit to Micro Enterprises and achieve 60%
norms)
The share of Micro Enterprises in credit flow to MSE are furnished in the
annexure (Bankwise).
173
PLEASE REFER DATA SHEET NO.14
174
131st SLBC
AGENDA No: 12
CREDIT FLOW TO WOMEN
Government of India and Reserve Bank of India have advised banks to
strengthen the credit flow to women and ensure that their share in Bank Credit
is increased to 5%.
The details of performance of the Banks in Tamil Nadu under credit flow to
women entrepreneurs as of June 2012 are furnished below:
(Amount in Rs. Crores)
S.No
1
2
3
4
5
6
*
PROGRAMME
SGSY
PMRY */PMEGP
SJSRY
DRI
MSE
OTHERS
TOTAL
N
EntEnterprises
Disbursement made
Outstanding position as
during the Quarter
of June 2012
ended June 2012
Accounts
Amount
Accounts
Amount
2476
21.43
142105
735.87
2950
25.25
22639
228.18
1039
4.46
27127
49.43
1917
18.96
30253
65.59
11448
220.80
176459
3025.36
386884
3967.09 4696719
35324.21
406714
4257.99 5095302
39428.64
PMRY was discontinued w.e.f 01.04.2008
At the level of Rs.39428.64 crores, advances to women constitute 8.78% of
total Bank credit as against the national norm of 5%.
175
131st SLBC
AGENDA No: 13
CREDIT FLOW TO MINORITY COMMUNITIES
As per the feedback received from the member banks, 142721 Loans amounting
to Rs.1810.92 crores were disbursed to Minority Communities during the
quarter ended June 2012 as shown below:-
Amount in Rs.Crores
Sl.
No.
Name of the
Community
Disbursement during the quarter ended
JUNE 2012 (April’12 to June’12)
All Banks
Account
Public Sector Banks
Amount
Account
Amount
1
Muslim
69200
859.10
48405
647.92
2
Christian
73168
947.22
56035
812.32
3
Sikh
110
1.37
73
0.59
4
Zorastrian
29
0.09
3
0.01
5
Neo Buddist
214
3.13
96
2.10
Total
142721
1810.92
104612
1462.94
The outstanding advances to Minority Communities in the State have increased
by Rs.1825.53 crores during the first quarter of the current fiscal. The
outstanding advances to Minority Communities stood at Rs.21223.45 crores as
at June 2012 is furnished below:-
Amount in Rs.Crores
Sl.
No.
Name of the
Community
Outstanding Position as of
JUNE 2012
All Banks
Account
Public Sector Banks
Amount
Account
Amount
1
Muslim
1038604
9969.64
695957
8042.59
2
Christian
1291564
11081.86
695726
8627.77
3
Sikh
906
24.74
764
20.97
4
Zorastrian
936
120.02
78
1.42
5
Neo Buddist
11871
27.19
885
11.37
Total
2343881
21223.45
1393410
16704.12
176
Ministry of Finance, Govt. of India has advised that the share of credit flow to
minority communities of Public Sector Banks (PSB) should be 15% of the
Priority Sector Advances.
OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES BY
PUBLIC SECTOR BANKS – JUNE 2012
(Amount Rs.in Crores)
S.N
O
NAME OF THE BANK
1
STATE BANK OF INDIA
2
PRIORITY
SECTOR
ADVANCES
AS ON
30.06.12
O/s.
advances to
Minority
Communities
30.06.12
%
28878.60
3283.15
11.37
STATE BANK OF BIKANER & JAIPUR
149.83
11.99
8.00
3
STATE BANK OF HYDERABAD
616.96
84.32
13.67
4
STATE BANK OF MYSORE
646.12
31.47
4.87
5
STATE BANK OF PATIALA
361.76
13.78
3.81
6
STATE BANK OF TRAVANCORE
2528.06
1416.70
56.04
7
ALLAHABAD BANK
758.49
30.07
3.96
8
ANDHRA BANK
1045.41
118.10
11.30
9
BANK OF BARODA
3587.42
148.20
4.13
10
BANK OF INDIA
3946.23
399.22
10.12
11
BANK OF MAHARASHTRA
427.42
18.49
4.33
12
CANARA BANK
16680.15
1913.21
11.47
13
CENTRAL BANK OF INDIA
4450.11
661.17
14.86
14
CORPORATION BANK
5537.44
337.74
6.10
15
DENA BANK
678.93
89.58
13.19
16
INDIAN BANK
18904.42
2252.68
11.92
17
INDIAN OVERSEAS BANK
20789.14
4004.57
19.26
18
ORIENTAL BANK OF COMMERCE
1381.31
54.11
3.92
19
PUNJAB NATIONAL BANK
2809.91
168.63
6.00
20
PUNJAB & SIND BANK
85.39
2.22
2.60
21
SYNDICATE BANK
3878.51
532.55
13.73
22
UCO BANK
2369.85
391.08
16.50
23
UNION BANK OF INDIA
4123.13
441.59
10.71
24
UNITED BANK OF INDIA
332.38
0.00
0.00
25
VIJAYA BANK
1652.79
145.61
8.81
26
IDBI BANK LTD.
3730.55
153.89
4.13
130350.32
16704.12
12.81
TOTAL PUBLIC SECTOR BANKS
177
AGENDA No:14
131st SLBC
KISAN CREDIT CARD SCHEME (KCC)
Kisan Credit Card Scheme introduced in August 1998 has since stabilized with
major share of crop loans being routed through this scheme. Reserve Bank of
India has advised that investment credit requirements of farmers viz. allied and
non farm activities may also be covered under the Scheme. All KCC Holders
have to be covered under Personal Accident Insurance Scheme (PAIS).
As per the progress report submitted by Member Banks, during the period from
April 2012 to June 2012, Banks in Tamil Nadu have issued 300187 Kisan Credit
Cards to the tune of Rs.3611.27 crores. The details are furnished in the
annexure.
Member Banks are requested to furnish the data to SLBC in time for timely
review.
178
PERFORMANCE OF BANKS UNDER KISAN CREDIT CARD SCHEME FROM
APRIL 2012 TO JUNE 2012
(Amount in Rs.Lacs)
Sl.
Name of the Bank
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
Allahabad Bank
Andhra Bank
AXIS Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Catholic Syrian Bank Ltd.
Central Bank of India
City Union Bank Ltd.
Corporation Bank
Dena Bank
Dhanalakshmi Bank Ltd.
Federal Bank Ltd. *
HDFC Bank Ltd.
ICICI Bank Ltd.
Indian Bank
Indian Overseas Bank
Indus Ind Bank Ltd.
IDBI Bank Ltd.
ING Vysya Bank Ltd.
Jammu & Kashmir Bank Ltd.
Karnataka Bank Ltd.
Karur Vysya Bank Ltd.
Lakshmi Vilas Bank Ltd.
Oriental Bank of Commerce
Pallavan Grama Bank
Pandyan Grama Bank
Punjab National Bank
Punjab & Sind Bank
South Indian Bank Ltd.
State Bank of India
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of Mysore
State Bank of Patiala
State Bank of Travancore
Syndicate Bank
Tamilnadu Mercantile Bank Ltd.
TNSC Bank Ltd.
UCO Bank
Union Bank of India
Vijaya Bank
TOTAL
Crop Loans
No
Amount
116
207
1466
178
262
1642
280
301
12132
8214
Term Loan
No
Amount
29
52
13
49
247
44563
2655
2709
5996
37
2618
21
1006
4
4542
14
1250
22
788
7
3933
2957
50
15
8
47
40
16
44
743
8107
96681
176
330
5197
157873
10537
22646
152
4906
2500
40
4058
23
70
29
10
9047
9474
776
88
57
17
6215
2223
848
2
32285
Total
No
Amount
145
259
271
174
509
46205
280
301
14787
10923
9929
37
2618
71
1021
12
7499
19
1250
69
828
23
170
2332
10581
743
8259
101587
22822
330
5368
160205
63
34
2500
103
4058
57
2
5
1859
2522
72
29
10
10906
9474
776
93
57
17
8737
2223
848
1
23208
273
202
2
85994
1
53946
74
86
8
20
82
107
37
1110
114
76098
3955
7774
87
272995
119
649
47
54273
4165
3706
189
280715
67
1314
96
215
357
80412
37
1110
259
77964
4190
7899
158
300187
119
649
114
55586
4261
3921
546
361127
145
1866
235
125
71
27192
Bank marked * has not submitted the data for June 2012
179
131st SLBC
AGENDA No: 15
SELF HELP GROUPS (SHGs)
The approved target for SHG credit linkage 2012-13 is Rs.4000 Crores including
the Non Mahalir Thittam Groups. Credit disbursement to SHGs during the four
months period ended 11.08.2012 amounted to Rs.1326.82 Crores.
The District wise performance to Self Help Groups under Mathi (through Tamil
Nadu Women Development Corporation Ltd.) and Non-Mathi (direct lending) as
on 11.08.2012 is furnished in the Annexure 1.
During the visit of Governor of Reserve Bank Of India, on 04.07.2012, the
Deputy Governor (KCC) observed that the role of PLF can only be that of a
facilitator and cannot become a borrower , thereby attaining the status of a
NBFC.
SLBC requested the Managing Director of Tamil Nadu Corporation for
Development of Women (TNCDW) vide its letter dated 21.07.2012 to offer
their views on the above observation to discuss the issue in SLBC meeting. We
have not received reply from TNCDW so far.
The members may deliberate on this.
The District-wise Revolving Fund Progress for 2011-12 upto 11.08.2012 is
furnished in the Annexure 2.
180
PLEASE REFER DATA SHEET NO.15
181
PLEASE REFER DATA SHEET NO.16
182
131th SLBC
AGENDA No: 16
Progress Report on Economic Development Schemes implemented by
TAHDCO
The details of performance under Bank Wise Loan Disbursement during the
financial year 2011-2012 submitted by TAHDCO are furnished in the annexure.
Member
Banks
are
requested
to
actively
implementation of these schemes.
183
involve
themselves
in
the
PLEASE REFER DATA SHEET NO.17
184
AGENDA No: 17
131st SLBC
REVIEW OF NPA ACCOUNTS IN PRIORITY SECTOR LENDING –
MARCH 2012
The position of NPA under categories of Priority Sector Advances as on March
2012 is furnished below.
NPA POSITION AS ON March 2012
S No.
Particulars
(Rs in Crore)
1
NPA in Housing loans
2
3
4
NPA in Education loans
NPA in Agriculture Loans
NPA in Loans to MSE
5
NPA in Loans under Weaker
Section of Priority Sector Lending
6
NPA in over all Priority Sector
Lending
% of NPA
630.26
2.80%
772.86
2566.63
2734.01
6.51%
3.28%
4.74%
851.99
7523.36
1.67%
4.33%
It is observed that the percentage of NPA has increased under all categories
over March 2011.
It is also observed that NPA position under all categories is on the lower side
over December 2011 quarter. NPA under Priority Sector as of March 2012 has
decreased upto 4.33% from 5.05% during December 2011 quarter. DCCs are
also requested to review NPA position every quarter and coordinate recovery
drive with the help of District Administration.
The State Government is requested to consider invocation of Revenue Recovery
Act to improve recovery, as done in the neighbouring State of Kerala.
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Bank-wise data on NPA in Housing Loans, Education Loans, Agriculture loans,
MSE, Weaker Sections & Total Priority Sector Lending as of 31st March, 2012
is furnished in the annexure. The following Banks who have not furnished the
data on NPA as of March 2012 are requested to submit the same immediately.
Sl.
Name of the Bank
No.
1
State Bank of Hyderabad
2 Punjab National Bank
3 Syndicate Bank
Sl.
No.
4
5
186
Name of the Bank
City Union Bank Ltd.
Lakshmi Vilas Bank Ltd.
PLEASE REFER DATA SHEET NO.18
187
PLEASE REFER DATA SHEET NO.18
188
131st SLBC
AGENDA No: 18
Success Story
One of the recommendations of the High Level Committee on Lead Bank Scheme
is “Success stories could be presented in DCC/SLBC meetings to serve as
models that could be replicated.
The Success Story received from Pandyan Grama Bank, Nadayaneri branch,
Segment: SHG Name: Roja Mahalir SHG.
Success story of: Pandyan Grama Bank, Nadayaneri
Mineral Water flows to bring Rural Prosperity
Roja Mahalir Self Help Group was formed by 20 housewives of a Tamil Nadu
village who had lot of spare time at their disposal. The SHG provided them a
common forum to meet, discuss and start something new which would benefit all
of them.
This thought gave rise to a small but profitable project. The group availed
credit assistance from the Nadayaneri branch of Pandyan Grama Bank, one of
the two sponsored RRBs of IOB. The credit enabled them to start a Mineral
Water Plant in their village.
This was not the type of industry where the owners get the work done by
engaging workers. All 20 members of the SHG took turns for working in the
plant and involved themselves thoroughly in the work. As bottles of packaged
pure drinking water rolled out of their plant, their next task was marketing.
Their collective efforts brought them success. Their products moved well in the
vast market space of packaged water. They bagged bulk orders from the nearby
Kalasalingam Group of Technical Institutions which is a deemed university in
Virudhunagar District.
Now these twenty house wives are using their spare time and earning decent
additional income for the family, thanks to the SHG they formed in 2003. They
are themselves maintaining accounts, running machinery and marketing their
product without depending on external assistance. This is the magic of India’s
unique SHG model.
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