132nd SLBC
AGENDA No: 1
CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING
The minutes of the 131st State Level Bankers’ Committee Meeting convened on
27.09.2012 (already circulated vide SLBC letter dated 19.10.2012) may be
confirmed.
132nd SLBC
AGENDA No: 2
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 opened a RSETI (13 th) at
Kothagiri in Nilgiris District to impart skill training to Tribal People of the
Nilgiris District.
Performance of the RSETIs during April to October 2012:
Sl
No
Total Number
of RSETI
No of training
programme conducted
during April- October
(2012-2013)
No of
persons
trained
No of persons
secured
employment/self
employment
1
32
253
7072
3663
All the 32 RSETIs in the State should endeavour to obtain A+ grade during the
current year.
The RSETIs are advised to enroll themselves with Entrepreneur Development
Institute (EDI) for conducting training programmes for the beneficiaries of
NEEDS Scheme launched by Government of Tamil Nadu.
1
132nd SLBC
New Issues
2. Setting up of Financial Literacy & Credit Counselling Centres (FLCCC)
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 September 2012.
Sl.
1
IOB
13
1290
137
No of
persons
participated
in outdoor
activities
during the
Quarter
5067
2
Indian Bank
10
1645
42
1858
3
Canara Bank
7
1109
146
7011
4
SBI
2
0
0
0
5
BOI
1
23
0
0
6
ICICI Bank Ltd
1
572
1
450
34
4639
326
14386
No
Name of the
Bank
TOTAL
No of
FLCCC
No. of
persons
Counselled
during the
quarter
No. of
Outdoor
activities
undertaken
during the
Quarter
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
132nd SLBC
3. Extension of “Swabhiman” – providing banking services in every villages
having population of over 1600 & providing banking services in every villages
having population of below 1600
I. Extension of “Swabhimaan”
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.
SLBC identified and allotted to various banks 1676 villages with population over
1600 to 2000 as per 2001 census. Subsequently based on the request from
Lead District Managers 16 villages were deleted from the list due to various
reasons. The revised list with 1660 Villages allotted to various Banks in Tamil
Nadu had been advised to all the member banks and LDMs vide letter dated
29.10.2012 and is displayed in SLBC website (www.slbctn.com). The consolidated
revised list of villages bank wise and district wise is enclosed.
As per the Monthly progress report submitted by banks in SW3 format, 399
villages only have been covered as on 30.10.2012. The details are furnished in
the annexure. The progress is very low when compared to the total no. of 1660
villages to be covered. Member banks are requested to ensure extension of
banking services to the allotted villages to the respective banks 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.
II. Providing banking services in every villages having population of below
1600
As desired by Hon’ble Chief Minister of Tamil Nadu, Banks have decided to
provide banking facilities in all the villages in the State irrespective of the
population. Total villages identified and allotted is 5895 villages in 31 districts
under the category of 0 to 1600 population apart from 1660 villages under the
category of 1600 to 2000 population identified and allotted to member banks
already.
3
SLBC in its 130th Meeting held on 28.06.2012 & 131st Meeting held on
27.09.2012 resolved to cover all the villages in the state under Financial
Inclusion before March 2013.
So far banks have covered 548 villages (IOB 307, Indian Bank 229 & CUB 12)
only. Member Banks are requested to ensure coverage of all villages in the State
before March 2013 to make our State No.1 in the country.
III. Provision of Banking Services in Villages Under Financial Inclusion Plan
Inclusion of Villages where PACS/PACBs are Functioning
Based on the instructions of RBI, SLBC advised all Lead District Managers in
the State vide letter dated 17.10.2012 to identify villages which have not been
identified under Financial Inclusion due to the presence of Primary Agricultural
Co-operative Societies (PACS) and allot the same to banks for coverage under
Financial Inclusion. We have received the list only from few LDMs. We have
been advised by Reserve Bank of India to complete the exercise immediately
without any delay.
The LDMs are advised to submit the list of such villages immediately.
4
PLEASE REFER SCANNED IMAGE NO.1
5
6
132nd SLBC
New Issues
4. Campaign to ensure at least one Bank Account for each family in all
villages and urban areas.
Ministry of finance, Government of India advised banks 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
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.
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.
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 October,2012 in opening bank accounts
for each family is enclosed. The percentage of households having bank accounts
in the State has gone up to 67.23% from 52.50% after the launch of the
campaign. All the member banks are requested to maintain the momentum and
endeavour to complete coverage of 100% of the households by March,2013.
7
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 31.10.2012
S.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
Total Number of Accounts Opened
up to October 2012
Name of the Bank
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 Mahendra Bank Ltd
Lakshmi Vilas Bank Ltd.
Oriental Bank of Commerce
Pallavan Grama Bank
Pandyan Grama Bank
Punjab & Sind Bank
Punjab National Bank
South Indian Bank Ltd.
State Bank of Bikaner & Jaipur
37482
6183
0
59943
30246
0
377504
247
77113
30645
4673
7203
185
191
1549
4315
0
359917
747336
0
295
0
0
7099
0
0
1679
18011
122488
0
67067
6503
0
8
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 31.10.2012
S.No
34
35
36
37
38
39
40
41
42
43
44
45
Total Number of Accounts
Opened up to October 2012
Name of the Bank
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
0
558337
3524
0
59418
82822
0
2276
912
41116
0
7635
2723914
9
132nd SLBC
New Issues
5. Allocation of Revised Targets for Educational loans by Government of
India:
Initially, Ministry of finance, Government of India had 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 was given as Rs. 13950.09
crore for 2012-13.
All the Public Sector Banks were 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.
Ministry of Finance, Government of India vide their letter dated 11.10.2012 has
advised revised targets for education loan for all the banks including private
sector banks, Regional Rural Banks and Co-operative Banks. SLBC vide letter
dated 15.10.2012 advised the revised targets to all the Public Sector, Private
Sector banks, RRBs and Co-operative Banks.
The bank wise revised targets and Ministry letter dated 11.10.12 are enclosed.
The member banks are requested to furnish the progress to SLBC in the format
given below on or before 5th of every succeeding month without fail.
………………………………..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 30th October, 2012
in educational loan is enclosed.
10
PLEASE REFER SCANNED IMAGE NO.2
11
12
STATE LEVEL BANKERS’ COMMITTEE, TAMIL NADU
Convenor: Indian Overseas Bank
Target under Educational Loans for all the Banks
Tamil Nadu State- 2012-13
(Amount Rs. In Crore)
Total as on
31.03.2012
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
Accounts
Amount
Proposed target for
2012-13
Accounts
Amount
2898
5709
16873
29536
1106
99108
33314
16715
3620
175149
123413
53.95
96.97
267.29
425.43
20.36
1488.21
444.95
245.15
29.56
2504.33
1733.20
3333
6565
19404
33966
1272
113974
38311
19222
4163
201421
141925
64.74
116.36
320.75
510.52
24.43
1785.85
533.94
294.18
35.47
3005.20
2079.84
3711
14113
157
1825
2199
157316
4998
289
13216
35850
13353
28997
1963
4532
62.50
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
4268
16230
181
2099
2529
180913
5748
332
15198
41228
15356
33347
2257
5212
75.00
240.18
4.40
29.42
47.60
2811.06
110.02
9.65
253.36
453.52
286.42
450.23
32.08
89.36
775
790735
16.26
11402.57
891
909345
19.51
13683.08
13
Sl.
No
Bank
Accounts
B
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Private Sector Bank
Axis Bank Ltd.
Catholic Syrian Bank Ltd.
City Union Bank Ltd.
Dhanalakshmi Bank Ltd.
Federal Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indus Ind Bank Ltd.
ING Vysya Bank
Jammu & Kashmir Bank
Ltd.
Karnataka Bank Ltd.
Karur Vysya Bank Ltd.
Kotak Mahindra Bank Ltd.
Lakshmi Vilas Bank Ltd.
South Indian Bank Ltd.
Tamilnad Mercantile Bk
Ltd.
Sub Total (B)
Proposed target for
2012-13
Total as on
31.03.2012
Amount
Accounts
Amount
610
873
3345
75
713
1104
1233
30
105
9.19
15.52
83.43
3.46
11.08
24.73
5.47
0.21
4.34
702
1004
3847
86
820
1270
1418
35
121
11.03
18.62
100.12
4.15
13.30
29.68
6.56
0.25
5.21
71
895
6299
0
5678
2210
0.68
17.58
62.99
0.00
70.42
20.45
82
1029
7244
0
6530
2542
0.82
21.10
75.59
0.00
84.50
24.54
8701
31942
113.33
442.88
10006
36733
136.00
531.46
C
1
2
Regional Rural Banks
Pandiyan Grama Bank
Pallavan Grama Bank
Sub Total ( C )
1451
653
2104
16.90
8.87
25.77
1669
751
2420
20.28
10.64
30.92
D
Cooperative Banks
Sub Total (D)
1436
1436
23.49
23.49
1651
1651
28.19
28.19
826217
11894.71
950150
14273.65
GRAND TOTAL(A+B+C+D)
14
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU
CONVENOR : INDIAN OVERSEAS BANK
PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.10.2012
(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
No. of
A/Cs
Outstanding
Target
given by
MOF as on
31.03.2013
No.of
A/Cs
Amount
O/S as on
31.10.2012
3333
6565
19404
33966
1272
113974
38311
19222
4163
201421
141925
64.74
116.36
320.75
510.52
24.43
1785.85
533.94
294.18
35.47
3005.20
2079.84
3073
5806
17808
30209
1115
103392
39106
15381
1819
173913
149226
60.10
103.74
287.10
478.00
23.39
1680.81
481.81
274.00
33.13
2889.51
1985.02
4268
16230
181
2099
2529
180913
5748
332
15198
41228
15356
33347
2257
5212
75.00
240.18
4.40
29.42
47.60
2811.06
110.02
9.65
253.36
453.52
286.42
450.23
32.08
89.36
3635
14404
188
1827
2210
166267
5032
278
13340
25303
14003
26663
1008
4538
68.88
239.89
3.54
29.53
45.11
2710.70
97.98
7.95
236.91
432.09
251.78
422.54
23.93
78.96
891
909345
19.51
13683.08
813
820357
19.81
12966.21
15
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU
CONVENOR : INDIAN OVERSEAS BANK
PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.10.2012
(Rs in Crore)
Sl.No
B
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
C
D
Bank
Private Sector Bank
Axis Bank Ltd.
Catholic Syrian Bank Ltd.
City Union Bank Ltd.
Dhanalakshmi Bank Ltd.
Federal Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indus Ind Bank Ltd.
ING Vysya Bank
Jammu & Kashmir Bank
Ltd.
Karnataka Bank Ltd.
Karur Vysya Bank Ltd.
Kotak Mahindra Bank Ltd.
Lakshmi Vilas Bank Ltd.
South Indian Bank Ltd.
Tamilnad Mercantile Bank
Ltd.
Sub Total (B)
No. of
A/Cs
Outstanding
Target
given by
MOF as on
31.03.2013
No. of
A/Cs
Amount
O/S as on
31.10.2012
702
1004
3847
86
820
1270
1418
35
121
11.03
18.62
100.12
4.15
13.30
29.68
6.56
0.25
5.21
617
1117
7425
402
621
1109
1292
32
111
9.98
18.29
108.95
5.66
11.74
24.76
7.40
0.37
5.32
82
1029
7244
0
6530
2542
0.82
21.10
75.59
0.00
84.50
24.54
76
864
6580
0
5696
2580
0.73
20.08
96.35
0.00
75.69
27.99
10006
36733
136.00
531.46
8997
37519
124.94
538.25
Regional Rural Banks
Pandiyan Grama Bank
Pallavan Grama Bank
Sub Total ( C )
1669
751
2420
20.28
10.64
30.92
1488
669
2157
17.38
8.99
26.37
Cooperative Banks
Sub Total (D)
1651
1651
28.188
28.188
1436
1436
23.49
23.49
950150
14273.65
861469
13554.32
GRAND TOTAL(A+B+C+D)
16
132nd SLBC
New Issues
6. Strategy and Guidelines on Financial Inclusion- Opening of Branches by
Banks:
Ministry of Finance, Government of India vide their letter dated 16.05.2012,
have advised the revised guidelines that, 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.
Recently, Ministry of Finance advised that the opening of all the 279 branches
are to be completed before 15th December, 2012. Based on the instructions of
Ministry of Finance, SLBC advised the banks in the State vide letter dated
28.11.2012 to expedite to complete the branch opening in the identified centers
before 15th December 2012.
As per the monthly progress report submitted by Banks as on 31.10.2012, Banks
have opened 60 branches in under-banked districts and 121 branches in other
districts, totaling to 181 branches out of the total number of 279 villages
identified by them. Consolidated Bank-wise progress of opening of bank
branches in under banked district and other district is enclosed as an annexure.
All member banks are requested to expedite to complete the branch opening in
the identified centers well within the time frame taking into account the
revised guidelines of Ministry of Finance, Government of India.
17
Consolidated Bank-wise Branch Expansion Progress Report - Under Banked Districts
S.
Total No of Villages
Bank Name
Opened
To be opened
No
Proposed to open
1 Allahabad Bank
1
1
0
2 Bank of Baroda
7
3
4
3 Bank of India
8
3
5
4 Canara Bank
3
3
0
5 Central Bank of India
6
0
6
6 Corporation Bank
3
3
0
7 Indian Bank
16
9
7
8 Indian Overseas Bank
16
13
3
9 Union Bank of India
2
0
2
10 State Bank of India
8
0
8
11 State Bank of Travancore
4
4
0
12 Pandyan Grama Bank
3
0
3
13 Federal Bank
7
4
3
14 Tamilnad Mercantile Bank
9
8
1
15 HDFC Bank
5
5
0
16 South Indian Bank
4
4
0
Total
102
60
42
Consolidated Bank-wise Branch Expansion Progress Report - Other Districts
S.
Total No of Villages
Bank Name
Opened
To be opened
No
Proposed to open
1 Allahabad Bank
1
0
1
2 Bank of Baroda
9
7
2
3 Bank of India
4
1
3
4 Canara Bank
5
5
0
5 Corporation Bank
14
11
3
6 Indian Bank
17
8*
9
7 Indian Overseas Bank
30
26
4
8 Union Bank of India
4
1
3
9 State Bank of India
16
7
9
10 State Bank of Travancore
19
17
2
11 Pandyan Grama Bank
8
1
7
12 Federal Bank
19
12
7
13 Tamilnad Mercantile Bank
16
13
3
14 HDFC Bank
8
8
0
15 South Indian Bank
5
4
1
16 Karnataka Bank
2
0
2
Total
177
121
56
IOB had requested permission to substitute remaining 7 villages with new 7 villages due to the
reasons that Pandyan Grama Bank branch availability (RRB Sponsored by IOB) and State Bank of
India requested permission to substitute 12 out of the 24 villages identified by them due to the
reason that these villages do not fall under the category of 5000 + villages in under banked
districts and 10000+ villages in other districts. The above request was forwarded to Ministry of
Finance by SLBC for approval.
*Indian Bank had identified 17 villages for opening of branches in other district and they have
opened branches so far in 4 villages. Out of the remaining 13 villages other banks i.e IOB,CB,
PGB &UBI opened branches in 4 villages, one each.
18
132nd SLBC
New Issues
07. Ultra Small Branch (USB)
Ministry of Finance, Government of India advised that at places where the
opening a conventional Brick & Mortar Branch is presently not viable, the Bank
may set up USBs.
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 3275 USBs in the State as
on 31.10.2012. 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.
19
PLEASE REFER SCANNED IMAGE NO.3
20
21
132nd SLBC
New Issues
08. 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 vide their letter dated 05.07.2012
informed the position of the Lead Banks in the State to key in the data in the
MOF website in respect of branches, ATMs, Business Correspondents, Clearing
Houses and Currency Chests in their Lead Districts.
State Bank of India already started data entry in respect of Chennai District.
All the member banks are advised to provide the details of their branches,
ATMs, Currency Chests, Clearing Houses and Business Correspondents
immediately to SBI for early completion of data entry.
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 opened at least on a
monthly basis.
All member banks are advised to issue direction to the respective district
coordinator of the bank to provide the necessary data to the LDM on a monthly
basis for updating.
LDMs are also advised to ensure 100 % completion of uploading the data in the
MOF website immediately.
22
132nd SLBC
New Issues
09. 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 5th
of every succeeding month. The member banks were reminded through letters,
e-mails and over phone for submission of the report.
Despite all the above attempts, data from the following banks was not
received for the month of October 2012:
Bank of India
IDBI Bank Ltd.
Bank of Maharashtra
Axis Bank Ltd
Central Bank of India
Catholic Syrian Bank
Corporation Bank
City Union Bank Ltd.
Dena Bank
Indus Ind Bank Ltd.
Indian Bank
Jammu & Kashmir Bank Ltd.
Oriental Bank of Commerce
Karnataka Bank Ltd.
Punjab National Bank
Lakshmi Vilas Bank Ltd.
State Bank of B & J
Tamilnadu State Apex Co-op. Bank
State Bank of Hyderabad
TANSARD Bank
State Bank of Patiala
Citi Bank
State Bank of Travancore
HK&SB
Syndicate Bank
SBO M
UCO Bank
AEB
Union Bank of India
BNP
United Bank of India
Cr.Lyon
All the member banks are requested to submit the progress report before 5 th
of every succeeding month without fail. A –NIL- statement is to be submitted if
there is nothing to report.
23
132nd SLBC
New Issues
10. Financial Inclusion – Drive to open Bank Accounts for Migrant labourers,
Street Vendors / Hawkers in Urban & Metro 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
& Metro Areas in order to inculcate saving habits and to extend banking
facilities to them.
SLBC placed an agenda in the 130th Meeting held on 28.06.2012.All banks were
requested to issue necessary directions to all the branches in Tamil Nadu State
to launch special campaigns in all the urban & Metro centers.
SLBC has launched a special campaign for a period of one month w.e.f.10.12.2012
in Tamil Nadu for opening of the accounts of migrant labourers. SLBC has also
established a 24x7 Toll Free number and a separate e mail ID for grievance
redressal.
Toll Free Number: 1800 425 4445
E mail ID : slbctamilnadu@gmail.com
Ministry of Finance, Government of India advised vide their letter dated
21.09.2012 that in the case of non availability of a valid document of proof such
as ID/Address Proof, a ”small account” may be opened by following a simple
procedure as below.
“The prospective account holder has to give a self-attested photograph and sign
in the presence of the bank officer in the account opening form and the bank
officer has to certify to that effect.” We enclose a copy of the letter dated
08.12.2012 for ready reference of member banks.
Member banks are requested to advise their branches to complete the opening
of accounts during the campaign period.
24
PLEASE REFER SCANNED IMAGE NO.4
25
26
132nd SLBC
New Issues
11. 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, Regional Ofice, Chennai
immediately. The last date for submission is December31, 2012.
Government of India allocated a target of 20,000 Weavers Credit Cards for
Tamil Nadu. Department of Handlooms and Textiles have so far sent 20533
applications to banks through LDMs of the 20 implementing districts.
The targets were allotted during June,2012. The progress under the scheme for
issuance of Weavers Credit Card by banks as of November 2012 is only 1158
cards to the tune of Rs.298.17 lacs out of the 20533 applications sent to them.
The banks wise progress report on WCC is enclosed as an annexure.
The member banks are advised to dispose of all the pending applications on
merits before 31.12.2012.
27
Annexure I Progress under the Scheme for issuance of
Weavers Credit Card
Month: November 2012
Annual target (2012-13) for Weavers Credit Card: 20000
Sl.
No.
1
2
3
4
5
6
7
Name of the
Bank
No. of
No. of
No. of
Applications Applications
WCCs
received in received by issued by
credit
banks for the end of
camps
financing
the month
SBI
Canara Bank
IOB
LVB
Vijaya Bank
Indian Bank
Syndicate Bank
TOTAL
30202
20533
Source: NABARD, Chennai
28
533
149
270
142
31
4
29
1158
Amt of CCL
sanctioned
by the end
of the
month
(Amount Rs
in Lacs)
147.5
22.75
78.08
32.60
7.75
2.24
7.25
298.17
132nd SLBC
New Issues
12. Mahatma
(MGNREGS)
Gandhi
National
Rural
Employment
Generation
Scheme
The meeting of the core committee on payment of MGNREGS wages through
banks was held on 17.10.2012 and the minutes of the meeting was forwarded to
all member banks and Lead District Managers for immediate action.
As there was no appreciable improvement in carrying forward the action points
decided in the 17.10.2012 meeting, a special SLBC meeting was convened on
03.12.2012 and the minutes thereof was forwarded to all the member banks.
The minutes are also enclosed herewith.
The member banks are requested to adhere to the time schedule given in the
minutes for successful implementation of the MGNREGS payment through banks
not only in the 5 pilot districts, but throughout Tamil Nadu.
The Rural Development Department may appraise the forum on the progress.
29
STATE LEVEL BANKERS’ COMMITTEE, TAMIL NADU
CONVENOR: INDIAN OVERSEAS BANK
Minutes of the Special Meeting of SLBC on payment of MGNREGS
Wages through banks in Tamil Nadu
A Special SLBC meeting was conducted at 3.45pm on December 3, 2012 at
the Central Office of Indian Overseas bank, Chennai to review the progress
made in implementation of payment of wages to MGNREGS workers through
banks in the selected five districts viz, Kancheepuram, Tiruvallur, Erode, Tirupur
and Kanyakumari and also to prepare the roadmap to scale it up in other
districts.
The meeting was participated by the convenor of SLBC, The Commissioner,
Rural Development , Govt of Tamil Nadu, General Managers of RBI, officials
from Rural Development Department, Govt of Tamil Nadu and Pudhuvazhvu
Thittam, LDMs of these 5 districts and officials from member banks.
The Commissioner, Rural Development Department informed that there are
about One Crore MGNREGS workers and accounts have been opened for
about 92 % of the workers. 100 % will be achieved shortly and there is no
problem in opening the account with banks. He informed that in the previous
system workers were comfortable in receiving money at their work spot, but in
the present system of payment through banks they have to wait for the whole
day in the bank counters. To ensure the proposed system of payment through
bank accounts hassle free and systematic, after fruitful deliberations, it was
decided that :
A. Implementation of payment of MGNREGS wages through banks in select 5
Districts.
1. Rural Development Department will facilitate 100 % opening of Bank
accounts entry into the NREGS website and verification of these
accounts of each individual by District level APO (WE) DRDA by
05.12.2012 and also ensure forwarding of the verified data to the
respective banks by 05.12.2012.
2. The concerned banks should validate the Bank accounts and verified
data to be given to CRD & PR before 10.12.2012.
3. Static IP address of Banks for the data transfer between NIC server and
Bank to be handed over to NIC by Banks before 15.12.2012.
4. All the banks should appoint BCAs in all the villages allotted to them
irrespective of the size of the population in these 5 districts before
20.12.2012 and keep them ready to carry out transactions by
31.12.2012.
30
5. In villages with population of >2000, in these 5 districts payment of
wages will be rolled out from 01.01.2013 and a trial run will be held by
20th of December 2012 in a few select villages.
6. In all other villages (ie) population upto 2000 in these 5 districts , the
payment will be rolled out on 31.01.2013.
B. Implementation of payment of MGNREGS Wages in other Districts.
1. In other districts the opening of accounts, entry into NREGS website ,
account wise verification and forwarding the verified data to
respective banks will be ensured by Rural Development Department by
31.01.2013.
2. The concerned banks should validate the Bank accounts & verified
data to be given to CRO & PR before 20.02.2013.
3. All banks to ensure the readiness of BCAs namely their recruitment,
procurement of the handheld devices, availability of the smart card to
the MGNREGS beneficiaries to transact business by 01.03.2013.
4. The payment of wages in villages with population of >2000 will be rolled
out on 01.03.2013 and payment in all other villages by 31.03.2013.
5. Trail run to be conducted by 10.03.2013. so that full operations
commence by 01.04.2013.
It was further requested/decided that:
1. All BCAs should be provided with sufficient cash, as the average weekly
payment under NREGS, may touch Rs. One lac, to be paid on every
Tuesdays, i.e., the payment day fixed for the MGNREGS scheme.
2. As the main issue is in delivery of the wages, banks were advised to
widen up the delivery channels viz, smart card, and also ATM cards,
BCAs, Mobile vans, etc. to avoid rush at the bank counters.
3. The Additional Project Director, Pudhuvazhvu Thittam, informed the
bankers that they have well trained SHGs/members who could reliably
and efficiently handle the job of BCAs. She requested the bankers to
make use of them as BCAs. Her mail id and Cell No. are
Shajeevana@yahoo.com/ 9445003123.
4. Commissioner, Rural Development Department advised bankers to
ensure that the BCA is from the same village and he also explained its
advantage.
31
5. Commissioner, Rural Development Department advised the bankers
that all the decisions taken in these meetings should percolate to
branch level.
6. Commissioner, Rural Development Department offered that BCAs
could make use of the Panchayat office premises for making payment
of the wages.
7. The next review meeting to be held on 21st December 2012.
32
132nd SLBC
New Issues
13. 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.
Despite several requests the District Insurance Plan has not been received
from any of the Districts till date. We have almost come to the fag end of
the financial year. The Public Sector Insurance Companies are requested to
finalise their district plans before 31.12.2012 and advise the same to
LDMs for their onward transmission to SLBC.
LIC and Public Sector Insurance companies should prepare a separate plan for
each of the 31 districts in Tamil Nadu incorporating the following details:
1. Details of insurance products to be made available during the year in the
district
2. No. of persons to be covered under each product
3. Total physical and financial outlay for the district
4. No. of rural households proposed to be covered under each product
5. Details of the proposed coverage under Micro Insurance
The detailed plan for each district may please be prepared and forwarded to
the respective Lead District Managers to enable them to incorporate the same
in the District Financial Services Plan.
There was a request from LIC of India for using the BCAs in marketing micro
insurance products. SLBC vide letter dated 30.11.2012 advised all member banks
to provide the details of BCAs to LIC. However some of the banks have come
out with a suggestion that they have their own insurance subsidiaries and they
will provide the insurance products. Further BCAs have to be adequately trained
for marketing insurance products. Hence the forum may deliberate on these
issues and to put in place insurance facilities with FI initiatives.
33
132nd SLBC
New Issues
14. National Rural Livelihood Mission – Formation of Sub Committee at
District and State level:
Ministry of Rural Development, Government of India has launched National Rural
Livelihood Mission (NRLM) to be implemented in a mission mode across the
country. NRLM replaces the existing SGSY.
NRLM has set out with an agenda to reach out, mobilize and support 7.0 crore
BPL households across 600 districts in the country through self managed SHG
federations and livelihoods. NRLM aims to ensure flexible and repeat finance to
all eligible SHGs. It was advised by the Joint Secretary, Ministry of Rural
Development, Government of India vide his letter dated 25.10.2012 that all the
SLBCs are required to constitute a sub-committee for SHG bank linkage and to
discuss exclusively State specific issues relating to the progress under NRLM
programme in the respective states.
The committee is expected to meet every month and:
1. Monitor & review the Bank wise progress of SHG Bank linkage programme
at the State level
2. Discuss various issues and bottlenecks in implementing the SHG Bank
Linkage programme
3. Discuss ways to simplify the documentation procedures
A steering committee at the State level consisting of representatives of major
banks, NABARD and TNCDW may be formed. It was also advised in the above
letter that NRLM Co-ordination-committees for SHG bank linkage should be
formed at the District level besides block level co-ordination committee. The
DCC convenors are advised to form Sub Committee immediately and ensure that
the committee meets regularly and discuss the issues.
The forum may nominate the members for the State level steering committee
for NRLM.
34
PLEASE REFER SCANNED IMAGE NO.5
35
36
132nd SLBC
New Issues
15. Intimation to LDMs about opening of bank branches:
Reserve Bank of India vide their letter dated 20.11.2012 advised that the Lead
District Managers are required to monitor progress of various government
sponsored schemes, financial inclusion, Educational loans etc. besides updating
the details of opening of branches, ATMs, engagement of BCs, opening of
Currency Chests and Clearing Houses every month in the Ministry of Finance
website under Geographical Information System. Due to non-reporting of
opening of new branches by banks, LDMs find it very difficult to co-ordinate
with the newly opened branches.
RBI also advised that all the banks functioning in the State of Tamil Nadu
should furnish the information regarding opening of new branches, ATMs,
appointing of BCs etc to the respective LDMs without fail.
A copy of the RBI letter is enclosed for perusal and compliance by member
banks.
37
PLEASE REFER SCANNED IMAGE NO.6
38
132nd SLBC
New Issues
16. Swarojgar Credit Card (SCC) Scheme- Target for 2012-13
NABARD, Chennai vide their letter dated 01.11.2012 advised the bank wise
targets under Swarojgar Credit Cards (SCC) Scheme for 2012-13. We enclose a
copy of NABARD’s letter along with the bank wise targets.
The member banks are advised to fix up district wise / branch wise targets to
their branches in the State and to monitor the progress and ensure achievement
of targets during the current year 2012-13.
The member banks are also advised to submit quarterly progress reports in the
enclosed formats Annexure-II-A and Annexure-II-B directly to NABARD in
time.
39
PLEASE REFER SCANNED IMAGE NO.7
40
41
42
132nd SLBC
New Issues
17. T.N.Government’s Scheme for Poultry Development:
Government of Tamil Nadu intends to promote a scheme for Poultry
Development in districts other than Namakkal, Erode and Salem. The scheme
aims to promote broiler units with 1000-5000 birds and 250 birds units in the
case of country chicken. The Government proposes to attach the beneficiaries
with the integrators with whom a tie up arrangement will be made for provision
of chicks, feed, medicines and also for buy back arrangement for procurement
of birds. The District Collectors are personally monitoring the scheme.
A special meeting of the SLBC, Tamil Nadu was conducted on 10.10.2012 to
discuss about the scheme in which The Commissioner of Animal Husbandry &
Veterinary Sciences explained about the scheme. A small committee of the
bankers was formed to discuss the tripartite agreement and other formalities
and the format of the agreement was finalized and circulated among the
member banks.
The forum is requested to discuss the scheme and approve the same. The copy
of the approved tripartite agreement is given as an annexure for the benefit of
the member banks.
43
“SCHEME FOR POULTRY DEVELOPMENT”
DEPARTMENT OF ANIMAL HUSBANDRY, GOVERNMENT OF TAMILNADU
TRIPARTITE AGREEMENT FOR BROILER CONTRACT FARMING
This deed of agreement entered into this _________ day, of ___________ 2012 between
M/s. _____________________________ a Private Limited Company / Partnership /
Proprietary firm
carrying
business
at
______________________________________
hereinafter called the party of the 1st part and Shri _________________________
S/o.______________________
residing
at
___________________________________________________ hereinafter called party of
2nd part and ____________________________ Bank having its headquarters at
_______________________ and acting through its _________________ branch hereinafter
referred as the party of the 3rd part.
The three parts together make parties and be known as parties.
The 1st party is engaged in the business of production and sale of broiler chicks and poultry
feed and for this purpose appoints the party of 2nd part to grow, develop, maintain and
supervise the chicks into fully grown meat broiler birds on prescribed terms and condition laid
by the 1st party. The 2nd party has to construct the sheds for the purpose of growing the
chicks and install suitable feeding and drinking equipments as per the technical
specifications required for broiler farming advised by the Department of Animal Husbandry,
Govt of Tamilnadu. The 3rd party will extend all necessary financial support to the second
party for construction of shed and purchase of feeders and drinkers as per the scheme
guidelines formulated by Department of Animal Husbandry, Govt of Tamilnadu. The terms
party of 1st part, 2nd part and 3rd part in the agreement shall include its / his / her / their legal
heirs, partners, nominees, executors, administrators and assigns.
NOW THIS DEED WITNESSES AS FOLLOWS:
1.
The 1st party and the 3rd party are responsible for identification and selection of the 2nd party
as beneficiaries under the scheme subject to satisfactory compliance of the 2nd party to the
terms and conditions of 1st and 3rd party.
2.
The 1st party will be responsible for assessing the suitability of the project site offered by the
2nd party for construction of broiler sheds with reference to climate compatibility, suitability of
land terrain, water availability / its suitability for broiler farming, biosecurity and other vital
linkages associated with the technical feasibility of the project.
SIGNATURE OF THE 1ST PARTY
SIGNATURE OF THE 2ND PARTY
44
SIGNATURE OF THE 3RD PARTY
3.
The 2nd party is the absolute owner of the land and the shed where the chicks are to be
grown. In case the 2nd party is not the owner, he / she shall produce to the 1st & 3rd parties
the documents to prove that he / she is in lawful possession of the land or the agreement
entered into between the owner of the land and the 2nd party, and obtain the permission of
the 1st & 3rd parties. In this regard, the 2nd party shall ensure that the interests of the 1st & 3rd
parties are not affected in any manner by his / her agreement with the land owner.
4.
The 2nd party has to provide his / her own farms sheds with proper approach roads, electricity
and drinking eater facility situated at Survey No. _______________________ measuring
_________________ at ___________________________ village, ___________________
taluk, ______________________ district, Tamilnadu.
5.
The 3rd party will finance the genuine requirements of the 2nd party at its sole discretion and
as per the guidelines of “Scheme of Poultry Development” for construction of sheds and
purchase of feeders and drinkers. The 2nd party will bring in the necessary margin stipulated
in the scheme upfront for construction of the broiler shed within the specified time schedule.
The 2nd party shall comply to the lending terms and conditions of the 3rd party.
6.
The 3rd party on sanction of the credit facilities to the 2nd party will intimate the 1st party in
writing about the loan arrangement between the 2nd and 3rd party and the account details
through which the growing charges has to be routed by the 1st party. The 1st party will
acknowledge the receipt of the information within a week’s time to the 3rd party in writing.
7.
The 1st party shall at its expense supply one day old quality Broiler chicks weighing not less
than 32 gms to the 2nd party for growing in his / her sheds.
8.
The 1st party agrees to supply quality poultry feed, vaccines and medicines for the chicks to
the 2nd party without any time delay and the 2nd party shall administer the feed, vaccines and
the medicine to the chicks as per the instructions of the 1st party from time to time without
fail.
9.
The supervisors appointed by the 1st party shall inspect / supervise the chicks grown by the
2nd party at any time and the 2nd party shall not object to such inspection. The 2nd party shall
also carry out the instructions and guidance of the supervisors of the 1st party. Likewise the
3rd party reserves the right to inspect the farm at any time till closure of the loan.
10. The 1st party further agrees to supply a minimum of 5 batches of birds per year without
interruption to the 2nd party to ensure economic viability of the scheme. The 1st party will
avoid undue delay in supply of chicks to the 2nd party and will ensure timely lifting of birds
from the 2nd party. The batch size supplied by the 1st party should commensurate with the
shed capacity for optimum utilization of the infrastructure. In the event of failure to supply a
SIGNATURE OF THE 1ST PARTY
SIGNATURE OF THE 2ND PARTY
45
SIGNATURE OF THE 3RD PARTY
batch by the 1st party to the 2nd party, the 2nd party should inform immediately without any
loss of time to third party. In that event, the 2nd party may refer to Joint Director (A.H) within a
weeks time, who will act as an arbitrator under arbitration act and the decision will bind on
the parties.
11. The 2nd party agrees to grow the birds up to 6- 7 weeks period utilizing the feed, medicines,
vaccination given by the 1st party and also follow the growing practices as advised by the 1st
party or the nominees authorized by them.
12. In case of death or disease of chicks / birds, the 2nd party shall immediately inform the 1st
party personally or through telephone and shall not dispose the dead chick / bird until the 1 st
party or its authorized supervisor inspects the same. The dead chicks shall be disposed /
removed only with the approval of the 1st party. If the 2nd party fails to show the dead chicks
/ birds to the 1st party, the 1st party shall be entitled to recover the amount at the rate of
existing value of the dead chicks / birds.
13. The 2nd party shall deliver possession of the grown up birds to the 1st party within 6 to 8
weeks of its handing over as per the delivery schedule decided by the 1st party. The 1st party
shall make arrangements for weighing and transportation of the birds at their own cost at the
time of lifting the birds from the farm.
14. The 1st party shall pay to the 2nd party a minimum growing charge of Rs 3.50 per kg live
weight of broilers weighed at the time of lifting from the farm provided the 2 nd party produces
satisfactory results in terms of efficient Feed Conversion Ratio (F.C.R), excellent livability
and reduced cost of production. The 2nd party is also entitled for a higher growing charge to
be paid by the 1st party in the event of exemplary performance)
15. The 1st party agrees to route the growing charges to be paid to the 2nd party only through the
Savings bank account of the 2nd party held with the 3rd party. The growing charges will be
paid by the 1st party to the 2nd party within 7 days from the date of lifting of the birds from the
farm. The 3rd party reserves the right to deduct the loan installments along with applicable
interest due for the period from the savings bank account of the 2 nd party for appropriation
towards the loan account.
16. Under no circumstances the 1st party should indulge in payment of growing charges directly to
the 2nd party by way of cash or through any other means. Likewise no advance in terms of
cash or kind should be paid by the 1st party to the 2nd party without the knowledge of the 3rd
party and no deduction to be done in this regard by the 1st party from the growing charges
payable to the 2nd party.
SIGNATURE OF THE 1ST PARTY
SIGNATURE OF THE 2ND PARTY
46
SIGNATURE OF THE 3RD PARTY
17. All the three parties agree that the minimum growing charges fixed at the time of execution of
the agreement is subject to annual revision on mutual agreement between the parties based
on the market price trend of broilers and cost of other inputs involved.
18. The period of Agreement shall be for five years from the date of execution of this agreement
which shall be further renewed for a period of two years on such terms and conditions as
may be mutually agreed between the parties. On the date of expiry of the agreement, if the
chicks are in possession of the 2nd party in the growing stage, the agreement will be in force
to a maximum period of 2 months from the date of expiry till the batch of chicks are grown
up.
19. The 1st party undertakes to inform the 3rd party in writing any misconduct, theft, negligence
observed on part of the 2nd party resulting in loss to the 1st party. Likewise the 1st party
should intimate the 3rd party on the attrition of the 2nd party to other integrators within a period
of 30 days from the time of snapping of the ties between the 1st and 2nd party.
20. The 2nd party agrees that the 1st party is the lawful owner of the Broiler chicks, feed and
medicines and that the 2nd party has no right / claim over the birds. The 2nd party undertakes
not to encumber or transfer the chicks and any such transfer made by him shall not be
lawful. The 2nd part is will be custodian of the chicks, medicines, feeds etc supplied by the 1 st
party and shall diligently carry out his / her responsibilities. The 2nd party shall display a
notice board in the shed stating that the chicks in the shed belong to the 1st party. Likewise
the 2nd party should also prominently display that the sheds and the equipments are
hypothecated/mortgage to the 3rd party.
21. The 1st and 2nd party will keep batch wise set of accounts and other records as to the chicks,
feed, medicines supplied and growing charges paid etc for future reference.
22. The parties hereby agree that the agreement shall not be discontinued except for valid
reasons, which shall be decided and acceptable by mutual agreement between the parties.
In case of any dispute with regard to the agreement between the parties, the same shall be
settled by mutual discussion and in case of any legal dispute, the parties shall be subject to
the jurisdiction of Courts at Chennai.
In witness where of, the parties have executed the agreement in free consent in the presence of
the following witness.
SIGNATURE OF THE 1ST PARTY
SIGNATURE OF THE 2ND PARTY
SIGNATURE OF THE 3RD PARTY
Witness :
(Signature, Name & Address)
1.
1.
1.
2.
2.
2.
47
132nd SLBC
New Issues
18. Interest Subsidy for Housing the Urban Poor (ISHUP)
The interest subsidy scheme for housing the urban poor (ISHUP) announced by
the Ministry of Housing & Urban Poverty Alleviation (MHUPA) is under
implementation. The scheme envisages the provision of interest subsidy of 5%
p.a. on NPV basis for loans up to Rs.1.00 lac for whole duration of the loan
availed by the Economically Weaker Sections / Low Income Group category
beneficiaries from the financial institutions.
National Housing Bank advised vide their letter dated 30.11.2012 that to
monitor the progress of Scheme in the State, the bank wise information / data
is required in the enclosed format for onward submission to Ministry of Housing
& Urban Poverty Alleviation.
Tamil Nadu Housing Board, the nodal agency for implementation of ISHUP is
requested to provide the data to SLBC in the format given below.
S.No Name
of
the
Bank
No.
of No.
of No.
of
applications applications applications
sponsored
sanctioned disbursed
by
State
level Nodal
agency
Whether
interest
subsidy
claimed from
Nodal
Agency
NHB/HUDCO
Whether
interest
subsidy
has been
passed
on to the
borrower
Ministry of Housing and Urban Poverty Alleviation (MoHUPA) vide their letter
dated 14.11.2012 advised the revised income ceiling for Economically Weaker
Sections (EWS) and Lower Income Group (LIG) as follows with immediate
effect;
EWS: Rs 1,00,000/- as household income per annum
LIG: Rs 1,00,001 to 2,00,000 as household income per annum
Member banks are take note of the above revised guidelines to consideration at
the time of sanction/ disbursement of loan under the scheme.
48
132nd SLBC
New Issues
19. Moratorium and special dispensation for term loan installments - &
interest for industries and agriculture sectors due to Power crisis in Tamil
Nadu:
Ministry of Finance, Government of India vide their letter dated 15.11.2012
forwarded a copy of the representation from the Indian Chamber of Commerce
and Industry, requesting a moratorium of one year for term loan installments
and interest for the industries in Coimbatore District due to the acute power
crisis prevailing in the State. They have also advised to conduct a special
meeting of the SLBC, Tamil Nadu and DLCC, Coimbatore to discuss this issue.
a) A special meeting of the DLCC, Coimbatore was conducted on 30.11.2012 and
DCC unanimously accepted the views of ICCI and decided to forward the
request to SLBC for onward transmission to RBI.
b) A special meeting of SLBC, Tamil Nadu was conducted on 03.12.2012 where the
issue was discussed in length.
It was resolved in the special SLBC to recommend to Reserve Bank of India
/ Ministry of Finance/IBA to offer special dispensation for Industrial units
and Agriculture sector for the entire state of Tamil Nadu as per the
following formula:
1.To offer a special dispensation of 1 ½ year moratorium period for payment of
principal & interest for industrial / MSME sector and agriculture sector which
are severely affected by power crisis in Tamil Nadu.
2. The Special dispensation to be extended to existing restructured accounts
and substandard accounts also, which became substandard purely due to the
current power crises.
3. The package may be considered on request and on merit of each case.
SLBC recommended to Reserve Bank of India to approve the above special
dispensation package for a period 1 ½ years. The State Government is requested
to initiate steps to resolve the power crisis.
49
132nd SLBC
New issues
20. Enforcement of securities- Prohibitive order by IG of Police, Trichy
Range against the seizure of Tractors by banks through recovery agents:
We have been informed by banks in Trichy that the Inspector General of Police,
Trichy Range issued an order dated 01.12.2011 to the Superintendents of Police
under his control, not to allow Recovery Agents engaged by Banks to seize
tractors from defaulting farmers based on a petition from the State Vice
President of a Farmers’ Association. The order also says that the tractors can
be seized only through court of law.
The members are requested to deliberate on this issue.
50
132nd SLBC
New issues
21. Payment of Lifetime monthly grants to Ex-Servicemen and Widows of
Ex-Servicemen- through banks – opening of zero balance accounts:
The Joint Director of Ex-Servicemen Welfare Board, Chennai requested the
banks to open zero balance accounts for Ex-Servicemen and Widows of ExServicemen and to pay the monthly grants through Business Correspondents in
the 4445 Financial Inclusion villages with population of 2000 and above which
are allotted to various banks in the State.
The Ex-Servicemen welfare board wants the monthly grants to be credited to
the bank accounts and to be paid through BCs at their door steps as in the case
of T.N.Government Old Age Pension Scheme. They are agreeable for the
charges of 3% of the grant amount as in the case of OAP scheme.
There are totally 8221 beneficiaries located in 30 districts including Chennai
district. Member banks are requested to open zero balance accounts and to pay
the grants through Business Correspondents.
The Joint Director is requested to provide the details of the beneficiaries to
the respective banks in the district to enable them to open the accounts.
51
132nd SLBC
New issues
22. Roadmap for providing banking services in villages with population below
2000 for banks functioning in Tamil Nadu
SLBC submitted the finalized roadmap to RBI on 27.11.2012 for providing
banking services in villages with population below 2000 before March 2013 as
advised by RBI.
Further, RBI advised SLBC to submit the quarterly progress report district
wise starting from December 2012.
The progress report is to be consolidated and sent to Reserve Bank of India. All
the member banks who are allotted with villages under the above FI Plan are
requested to submit the progress report before 5th of the next month to SLBC
without fail.
A copy of the reporting format is enclosed for ready reference.
52
PLEASE REFER SCANNED IMAGE NO.8
53
132nd 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 in all the villages with a population of 2000 or more identified under the
Financial Inclusion Plan in the State. The state Government has initiated to
implement the payment of wages to MNREGS workers through banks in the
selected five districts viz, Kancheepuram, Tiruvallur, Erode, Tirupur and
Kanyakumari on pilot basis from 01.01.2013. Further, 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 to be rolled out on
01.03.2013 and payment in all other villages by 31.03.2013.
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
November 2012 is furnished in the Annexure.
54
Progress under Financial Inclusion by Banks - Cumulative position
As of November 2012
S.
No
Name of the Bank
1 Allahabad Bank
'No-Frills’
a/c opened
(Nos)
Overdraft
General
granted in
Purpose
No-Frills SB
Credit Cards
a/c
issued (Nos)
(Nos)
Smart
Cards
issued
(Nos.)
14267
0
0
777
4128
4
13
1238
3 Axis Bank Ltd
24037
0
0
0
4 Bank of Baroda
52124
125
0
16342
203414
2451
11445
31510
6 Bank of Maharashtra
1314
0
295
0
7 Canara Bank
Catholic Syrian Bank
8 Ltd.
1331524
58138
732
53383
11055
40
0
750
90648
5124
0
69427
10 City Union Bank Ltd.
89425
0
12
26711
11 Corporation Bank
132814
5149
0
0
12 Dena Bank
26701
2
0
0
13 Dhanalakshmi Bank Ltd.
16841
0
0
16841
14 Federal Bank Ltd.
7833
5
0
0
15 HDFC Bank Ltd.
97204
2663
0
305
16 ICICI Bank Ltd.
138121
66
0
0
17 IDBI Bank Ltd.
19802
1
0
0
18 Indian Bank
2420089
3163
18337
795443
19 Indian Overseas Bank
2953453
4990
4166
337867
14142
0
0
0
595
0
8
0
3
0
0
0
2 Andhra Bank
5 Bank of India
9 Central Bank of India
20 Indus Ind Bank Ltd.
21 Ing Vysya Bank Ltd.
Jammu & Kashmir Bank
22 Ltd.
55
Overdraft
granted in
No-Frills
SB a/c
(Nos)
'NoFrills’ a/c
opened
(Nos)
General
Purpose
Credit Cards
issued (Nos)
17114
0
0
0
37736
0
0
10562
7702
0
0
0
28513
0
0
10284
1180
1
0
0
28 Pallavan Grama Bank
230670
491
20856
1937
29 Pandyan Grama Bank
563675
350
0
7577
1586
0
0
0
31 Punjab National Bank
94351
1402
0
2011
32 South Indian Bank Ltd.
79985
643
1
6414
33 State Bank of B & J
2157
0
0
0
34 State Bank of India
1076190
92
23824
213732
3576
130
17
0
776
11
1
0
37 State Bank of Travancore
83312
1070
0
993
38 Syndicate Bank
81468
2792
109
1411
130954
552
0
3877
36847
3597
0
0
83734
7
10
6012
145027
630
0
53269
921
0
0
0
27307
558
355
0
10384315
94247
80181
1668673
S.
No
Name of the Bank
23 Karnataka Bank Ltd.
24 Karur Vysya Bank Ltd
25 Kotak Mahindra Bank Ltd.
26 Lakshmi Vilas Bank Ltd.
27 Oriental Bank of Commerce
30 Punjab & Sind Bank
35 State Bank of Mysore
36 State Bank of Patiala
39 Tamilnad Mercantile Bk Ltd.
Tamilnadu State Apex Coop.
40 Bank
41 UCO Bank
42 Union Bank of India
43 United Bank of India
44 Vijaya Bank
Total
56
Smart
Cards
issued
(Nos.)
132nd SLBC
AGENDA No: 4
REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU IN KEY
PARAMETERS AS OF SEPTEMBER 2012
KEY PARAMETERS
Parameters
(Amount – Rs.in Crores)
Sep 2011
No. of Branches
Sep 2012
Variation & % of
growth over Sep 2011
6892
7593
701
Deposits
332820.79
402444.96
69624.17
(20.92%)
Advances
388170.42
473595.43
85425.01
(22.01%)
CD Ratio
116.63%
117.68%
1.05%
Investments
2972.83
3613.41
640.58
Credit + Investment to Deposit
Ratio
117.52%
118.58%
1.05%
159009.46
188374.86
29365.40
(18.47%)
42.29
41.93
67513.99
82083.41
14569.42
(21.58%)
17.96
18.27
Micro & Small Enterprises (MSE)
53523.82
63257.66
9733.84
(18.19%)
Of which Micro Enterprises
17435.42
24286.94
6851.52
(39.30%)
Micro Credit
3362.45
3916.09
553.64
(16.47%)
Education
12103.33
13049.93
946.59
(7.82%)
Housing
22505.86
26070.78
3564.92
(15.84%)
Advances to Weaker Sections
35238.08
55111.13
19873.05
(56.40%)
9.37
12.27
222.90
130.86
-92.04
(-41.29%)
0.06
0.03
Priority Sector Advances
% of Priority Sector Advances to
Total Advances
Agricultural Advances
% of Agricultural Advances to
Total Advances
% of Weaker Section Advances to
Total Advances
DRI Advances
% of DRI Advances to Total
Advances
57
BRANCH NETWORK
As at the end of September 2012, the total number of Bank Branches in Tamil
Nadu increased to 7593 from 6892 in September 2011. Group wise spread of
Bank branches in Tamil Nadu as of September 2011 and September 2012 are
given below:
Name of the Group
Sep 2011
Sep 2012
Variation
State Bank Group
1002
1069
67
Nationalised Banks
3807
4166
359
57
68
11
1682
1921
239
320
345
25
24
24
0
6892
7593
701
Other Public Sector Banks
Private Sector Banks
RRBs
Foreign Banks
TOTAL
DEPOSIT GROWTH
Deposits of the Banks in Tamil Nadu have increased from Rs.332820.79 crores
as of September 2011 to Rs.402444.96 crores as at September 2012,
registering an increase of Rs.69624.17 crores. The year on year incremental
deposit growth is 20.92% as against the growth of 9.71% from September 2010
to September 2011.
CREDIT EXPANSION
The total advances increased from Rs.388170.42 crores as of September 2011
to Rs.473595.43 crores as of September 2012, an increase of Rs.85425.01
crores. The incremental growth is 22.01% as against the growth rate of 17.66%
recorded in the previous year.
CD RATIO
The Credit Deposit Ratio of Commercial Banks in Tamil Nadu slightly increased
from 116.63% as of September 2011 to 117.68% as of September 2012.
58
PRIORITY SECTOR ADVANCES
The percentage of priority sector advances is 41.93% as against the national
norm of 40%.
The share of Priority Sector Advances have slightly come down from 42.29% as
of September 2011 to 41.93% as of September 2012.
AGRICULTURAL ADVANCES
The agricultural advances have increased from Rs.67513.99 crores as of
September 2011 to Rs.82083.41 crores as of September 2012, thus registering
an increase of Rs.14569.42 crores in absolute terms and 21.58% in percentage
terms. The share of agricultural credit in total advances as of September 2012
is 18.27% 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.9733.84 crores, from Rs.53523.82
crores as at September 2011 to Rs.63257.66 crores as at September 2012.
The incremental growth is 18.19% as against the growth rate of 20.47%
recorded in the previous year.
The share of MSE advances in total advances as of September 2012 was
14.08%. The share of Micro Enterprises in Micro & Small Enterprises (MSE) is
only 38.39% as against the stipulated norm of 60%. Member Banks are advised
to concentrate more on Micro Enterprises.
EDUCATION LOAN
Educational Loans have increased from Rs.12103.33 crores in September 2011 to
Rs.13049.93 crores as of September 2012. The increase of Rs.946.59 crores
under Educational Loans represents a growth rate of 7.82%.
Year-on-year (September 2010 to September 2011), there is an increase of
Rs.3261.73 crores in Educational Loans outstanding, recording a growth rate of
36.89%.
59
HOUSING LOAN
The outstanding under Housing Loans has registered an increase of Rs.3564.92
crores from Rs.22505.86 crores in September 2011 to Rs.26070.78 crores in
September 2012, registering a growth rate of 15.84%.
During the
corresponding period of the previous fiscal, there was an increase of Rs.2239.13
crores in Housing Loans outstanding with 11.05% growth rate.
ADVANCES TO WEAKER SECTIONS
The advances to Weaker Sections increased from Rs.35238.08 crores as of
September 2011 to Rs.55111.13 crores as at the end of September 2012,
registering a growth rate of 56.40%. At this level, advances to Weaker Sections
constituted 12.27% of the total credit against the national norm of 10%.
The growth during last year (September 2010- September 2011) was 11.05%.
DRI ADVANCES
The outstanding advances under DRI has decreased from Rs.222.90 crores as on
September 2011 to Rs.130.86 crores as of September 2012.
The percentage of DRI advances to total advances is 0.03%.
The share of SC/ST in the total DRI advances is 41.69%.
60
NATIONAL NORMS
PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED
NATIONAL NORMS ARE AS UNDER:
(Amount Rs.in Crores)
Particulars
National Norms for
March 2013
%
Target
Amount
Achievement upto
Sep 2012
%
Amount
Priority Sector Advances to
40.00%
Total Advances
179704.91
41.93%
188374.86
Agricultural Advances to Total
18.00%
Advances
80867.21
18.27%
82083.41
Weaker Section Advances to
10.00%
Total Advances
44926.23
12.27%
55111.13
37954.60
38.39%
24286.94
Micro Enterprises
60.00%
The share of Priority Sector advances stands at 41.93% as against the National
Norm of 40%. The percentage of Priority Sector Advances to total Advances
has shown a marginal decline from 42.29% as at the end of September 2011 to
41.93% as at the end of September 2012.
The percentage of Agricultural advances to total advances as at the end of
September 2012 works out to 18.27%. The percentage of Agri Advances to
total advances has increased from 17.96% as at the end of September 2011 to
18.27% in September 2012.
The share of advances to weaker sections has also increased from the level of
9.37% in September 2011 to 12.27% in September 2012.
ACTION AREAS:1. Member Banks are advised to enhance the lending to Micro Enterprises ,
so as to achieve the target of 60%.
2. It is also advised to enhance the investment credit to Agriculture to
ensure sustainability in Agriculture.
61
CREDIT + DEPOSIT RATIO
CD Ratio as of September 2012 is as follows:
(a)
Commercial Banks
:
117.68%
(b)
Including Co-operative Banks
:
118.47%
Districtwise Performance of Commercial Banks In Tamil Nadu
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 200% followed by Dharmapuri
district (182%) & Ariyalur district (182%).
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 58% 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.
Coimbatore
--
11.93 %
Tiruppur
--
17.59%
62
REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN TAMILNADU
AS AT THE END OF SEPTEMBER 2012
As at the end of September 2012, there were 803 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.
Sep 2011
Classification of Branches
Sep 2012
Rural
259
270
Semi-Urban
205
198
Urban
190
189
Metro
140
146
TOTAL
794
803
(Amount – Rs. in Crores)
Sep 2011
Sep 2012
Particulars
Deposits
19683.92
23424.37
Advances
25902.66
30922.09
Investments
6273.45
7189.78
CD Ratio
131.59%
132.01%
Credit + Investment to Deposit Ratio
163.46%
162.70%
S.No.
1
(Amount – Rs. in Crores)
Sep 2011
Sep 2012
Particulars
Agricultural Advances
Of which, Direct Advances
3491.98
3711.17
515.20
467.04
1083.02
1860.01
67.77
2.63
2
Micro & Small Enterprises
3
Education
4
Housing
259.42
173.74
5
Micro Finance & Others
1618.17
390.28
6520.36
6137.83
TOTAL PRIORITY SECTOR ADVANCES
63
ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS
(Amount – Rs. in crores)
Sep 2011
Sep 2012
Total Advances to Weaker Sections
4451.73
5132.73
1204.36
1232.92
290.55
421.77
13.01
11.15
Of which,
(i) Advances under SC/ST
(ii) Advances under IRDP/SGSY
(iii) Advances under DRI
NPA POSITION IN PRIORITY SECTOR ADVANCES –
JUNE 2012
(Amount – Rs. in crores)
NPA
% of NPA
Amount
i) NPA in Housing loans
21.44
12.65%
1.65
51.24%
309.57
8.62%
19.98
0.97%
v) NPA in Loans under Weaker Section of
Priority Sector Lending
147.88
3.52%
vi) NPA in over all Priority Sector Lending
651.73
10.60%
ii) NPA in Education loans
iii) NPA in Agriculture Loans
iv) NPA in Loans to MSE
64
PLEASE REFER DATA SHEET NO.1
65
PLEASE REFER DATA SHEET NO.2
66
67
132nd SLBC
AGENDA No: 5
REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN
2012 – 2013: APRIL 2012 TO SEPTEMBER 2012
As per the quick information report obtained from the Lead District Managers,
Banks in Tamil Nadu have disbursed total credit of
Rs.38834.58 crores
under Annual Credit Plan during 2012-13 as against the proportionate plan
allocation of Rs.39287.64 crores, representing 99% 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 September 2012
% of
Achievement
24286.19
7227.86
7773.59
25308.96
6197.64
7327.98
104
86
94
39287.64
38834.58
99
A comparative position of disbursement under ACP upto the quarters ended
September 2011 and September 2012 is furnished below:(Amount Rs. in crores)
Sector
Farm
Non-Farm
OPS
TOTAL
Credit disbursed
from April 2011
to September
2011
15837.31
5357.56
5890.39
27085.26
Credit disbursed
from April 2012
to September
2012
25308.96
6197.64
7327.98
38834.58
68
Variation in
percentage
59.80
15.68
24.41
43.38
District wise performance:
District wise/Major Sector wise performance for the period ended
September 2012 is furnished in Annexure – I. Banking System in Tamil Nadu
has achieved 99% of the plan allocation during the period under review. The
performance of the individual districts varies from 61% to 145%. 21 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 highly satisfactory with 104%
achievement during the first half ended September 2012. 22districts have
achieved 100% or more under Farm Sector. Lead District Managers are advised
to submit the report for investment credit out of the farm sector
disbursement.
B. Non-Farm Sector – Industries:
Performance of Banks in Tamil Nadu under Non-Farm Sector works out to 86%
of the proportionate plan allocation during the first half ended September
2012. 10 districts have achieved 100% or more under Non-Farm Sector.
B. Other Priority Sector:
Performance of Banks in Tamil Nadu under Other Priority Sector Advances
works out to 94% of the proportionate plan allocation during the first half
ended September 2012. 18 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 1 district where
the performance is under 50%, Banks have to focus on scaling up disbursement.
Sl.No.
District
1
PERAMBALUR
%
42
The details of progress made under ACP 2011-12 upto the quarter ended June
2012 (District-wise / Bank-wise / Activity-wise) have also been furnished in the
Annexure for information.
69
PLEASE REFER DATA SHEET NO.3
70
PLEASE REFER DATA SHEET NO.4
71
PLEASE REFER DATA SHEET NO.5
72
73
PLEASE REFER DATA SHEET NO.6
74
132nd SLBC
AGENDA No:6
Prime Minister’s Employment Generation Programme (PMEGP)
KVIC, Chennai vide their email dated 10.12.2012 has advised the target &
achievement for 2012-13 under PMEGP Loan Scheme as on 30.11.2012, as given
below:-
Name of
the
Projects
Agency
KVIC
468
KVIB
467
DIC
624
Total
1559
Target
Margin
Money
1075.38
1075.37
1433.83
3584.58
Emp
3744
3736
4992
12472
(Rs. in Lakhs)
Achievement
Projects
Margin
Emp
Money
477
1941.97
13594
39
93.47
654
578
1132.57
7928
1094
3168.01
22176
During the first 8 months 70.17% of the project target and 88.38% of the
margin money target have been achieved.
Bank-wise performance under PMEGP is given below,
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Bank
Bank of Baroda
Bank of India
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank
Punjab National Bank
State Bank of India
State Bank of Travancore
Syndicate Bank
Union Bank of India
Tamilnadu Mercantile Bank
Vijaya Bank
Total
75
Projects M.M.
Emp
51 180.05
1260
55 196.77
1377
132 286.55
2006
54 169.69
1188
19
79.94
559
1
1.05
7
164 350.44
2453
219 663.87
4647
47 122.87
860
117 260.12
1821
9
53.70
376
36
92.66
649
33 106.80
748
146 584.36
4091
11
19.14
134
1094 3168.01 22176
Information on share of SC/ST under PMEGP Loan Scheme
As per the requirement of the National Commission for SC, Government of
India, KVIC have furnished the overall performance on PMEGP scheme for last 5
years along with information on share of SC/ST under this scheme .The details
are given as below,
Overall Performance:
Target
Year
Projects Margin
Money
2008-09
3517
4220.23
2009-10
4396
3190.54
2010-11
2421
3390.02
2011-12
2374
3323.44
2012-13
1559
3584.58
(As on
16.08.12)
Share of SC:
Year
2008-09
2009-10
2010-11
2011-12
2012-13 (As on
16.08.12)
Share of ST :
Year
2008-09
2009-10
2010-11
2011-12
2012-13 (As on
16.08.12)
Projects
158
451
322
433
51
Projects
3
14
25
10
13
Achievement
Projects Margin
Money
1201
2377.33
3142
5677.29
2247
4476.99
3228
7162.20
1093
3162.33
Margin
Money
162.32
381.10
376.94
514.97
136.16
Margin
Money
5.22
9.78
12.73
16.89
2.55
76
(Rs. in Lakhs)
Project
Bank
Cost
Loan
4511.93
14139.83
13908.69
21221.80
4194.35
Project Cost
4173.54
13079.34
12865.54
19630.17
3879.77
Bank Loan
463.77
1088.86
1076.97
1471.34
389.03
440.58
1034.42
1023.12
1397.77
369.58
Project Cost
Bank Loan
14.91
27.94
36.37
48.26
7.29
14.16
26.54
34.55
45.85
6.93
132nd 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 2012-13 as on
30.11.2012 is furnished below:
(Amount Rs.in Lacs)
SJSRYSJSRYNO.
PARTICULARS
TOTAL
USEP
UWSP
1
No. of Applications sent to Banks
5819
684
6503
2
No. of Applications sanctioned
1392
133
1525
3
No. of Applications rejected
0
0
0
4
No. of Applications Pending
4427
551
4978
5
Subsidy allotted
886.27
886.27
1772.54
6
Subsidy utilized
121.64
37.86
159.50
7
Subsidy pending
764.63
848.41
1613.04
8
% of subsidy utilization
14
4
18
Subsidy utilization level for the Programme year 2012-13 as on 30.11.2012 so far
is 14% & 4% 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.
Information on share of SC/ST under SJSRY Loan Scheme
As per the requirement of the National Commission for SC, Government of
India, Municipal Administration have furnished the District wise progress
reports on Scheduled Castes Sub Plan (SCSP) and Tribal Sub Plan for (UWEP &
UCDN Components) of SJSRY /IHSDP/BSUP Scheme as on 31.10.2012. The
details are given in the annexure.
77
PLEASE REFER DATA SHEET NO.7
78
79
80
81
82
132nd 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.
I. Performance under Revolving Fund:
For the period ended 31.10.2012, banks have extended credit assistance to
40632 SHGs against the physical target of 42205. The percentage of
achievement is 96%.
TNCDW have advised the Revolving Fund Assistance -Progress details
(District-wise) as on 31.10.2012 under SGSY 2012-13, which is furnished in the
Annexure.
I. Performance under Economic Assistance:
For the period ended 31.10.2012, banks have extended credit assistance to
7892 SHGs against the physical target of 8333. The percentage of achievement
is 95%.
TNCDW have advised the Economic Activity Assistance -Progress details
(District-wise) as on 31.10.2012 under SGSY 2012-13, which is furnished in the
Annexure. TNCDW is requested to provide bifurcation of Share of SC/ST in
the data as per the requirement of National Commission for SC. SLBC letter
dated 16.10.2012 may be referred in this regard.
Member banks are requested to dispose the remaining pending RF & EA
applications immediately.
83
SGSY Revolving Fund Progress in Total for 2012-13 up to 31.10.2012
Sl.
No.
District
1
Nagapattinam
2
Target
No.of
SHGs
Credit
Rated
No. of
SHGs
Form III
Collected
RF
Subsidy
Released
RF
disbursed
%
of
Subsidy
Released
% of
Disbursement
against
Subsidy
Released
907
907
907
907
907
100
100
Sivagangai
1079
1079
1079
1079
1079
100
100
3
Madurai
1491
1491
1491
1491
1491
100
100
4
Vellore
1762
1762
1762
1762
1762
100
100
5
Kancheepuram
1988
1988
1988
1988
1988
100
100
6
Chennai
1900
1900
1900
1900
1900
100
100
7
Villupuram
2380
2380
2380
2380
2380
100
100
8
Kanyakumari
984
984
984
984
984
100
100
9
Thiruvallur
2045
2045
2045
2045
2045
100
100
10
Coimbatore
1528
1528
1528
1528
1528
100
100
11
Salem
1809
1809
1809
1809
1809
100
100
12
Thanjavur
1557
1557
1557
1557
1557
100
100
13
Perambalur
330
330
330
330
330
100
100
14
Karur
572
572
572
572
571
100
100
15
Cuddalore
1415
1415
1415
1415
1410
100
100
16
Thiruvannamalai
1516
1516
1516
1516
1502
100
99
17
Pudukottai
764
764
764
764
756
100
99
18
Thoothukudi
1216
1216
1216
1207
1189
99
99
19
Ariyalur
572
572
572
572
563
100
98
20
Thirunelveli
2281
2281
2281
2281
2229
100
98
21
Tiruppur
1243
1243
1243
1243
1213
100
98
22
Erode
1248
1248
1248
1248
1180
100
95
23
Trichy
957
957
957
957
900
100
94
24
Nilgiris
480
480
480
480
451
100
94
25
Thiruvarur
958
958
958
958
900
100
94
26
Ramnad
877
877
877
877
810
100
92
27
Dindigul
1122
1122
1122
1122
1029
100
92
28
Dharmapuri
1181
1181
1181
1181
1049
100
89
29
Namakkal
835
835
835
835
740
100
89
30
Virudhunagar
2152
2152
2152
2152
1899
100
88
31
Krishnagiri
1159
1159
1159
1159
1001
100
86
32
Theni
1906
1906
1906
1906
1480
100
78
42214
42214
42214
42205
40632
100
96
Total
84
SGSY - Economic Assistance - Progress Details as on 31.10.2012
S.
No
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)
1
Ariyalur
127
180
177
98
2
Coimbatore
227
327
324
99
3
Cuddalore
327
227
227
100
4
Dharmapuri
195
195
184
94
5
Dindigul
242
296
272
92
6
Erode
184
197
189
96
7
Kancheepuram
365
365
330
90
8
Kanniyakumari
162
211
211
100
9
Karur
142
148
143
97
10
Krishnagiri
204
208
200
96
11
Madurai
265
265
265
100
12
Nagapattinam
204
256
256
100
13
Namakkal
196
233
227
97
14
Nilgiris
60
60
58
97
15
Perambalur
72
72
67
93
16
Pudukkottai
197
198
195
98
17
Ramnad
177
223
203
91
18
Salem
338
388
369
95
19
Sivagangai
174
246
244
99
20
Thanjavur
297
329
255
78
21
Theni
136
170
152
89
22
Thirunelveli
329
354
354
100
23
Thiruvallur
283
287
287
100
24
Thiruvannamalai
324
324
298
92
25
Thiruvarur
212
212
145
68
26
Thoothukudi
240
240
230
96
27
Tiruppur
200
234
219
94
28
Trichy
222
252
252
100
29
Vellore
530
764
764
100
30
Villupuram
621
621
562
90
31
Virudhunagar
207
251
233
93
7464
8333
7892
95
Total
85
132nd SLBC
AGENDA NO:9
Interest Subsidy for Housing the Urban Poor (ISHUP)
As per the information given by Tamil Nadu Housing Board, the target is
200000 against which No. of applications received is 72269. Of these, 55680
applications were sent to Banks and 4596 loans have been sanctioned. 16890
applications were returned by Banks.
District-wise and Bank-wise details of applications as on 30.09.2012 is
furnished as detailed below:Annexure
Annexure
Annexure
Annexure
1 – Progress Report on ISHUP
2 – Details of applications sent to Banks
3 – Valid applications Received
4 – Applications returned by Banks
As the scheme has been extended upto 31.03.2013, Member Banks are advised





All eligible loan applications complete in all respects to be sanctioned
within 14 days.
Incomplete applications to be immediately returned back
Declined / ineligible applications should be sent back with reasons for
rejections
All loans sanctioned should be disbursed immediately
Subsidy should be claimed immediately after loan release even if it is a
part release.
86
PLEASE REFER DATA SHEET NO.8
87
88
89
90
132nd SLBC
Agenda No: 10
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. 852.72 crores has been made during the quarter ended September 2012
and the cumulative disbursement made for the period of April 2012 to
September 2012 is Rs.1826.26 Crore.
The Bank wise disbursement details for the first quarter is furnished in the
Annexure. It may be noted that 6 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 Sep 2012 (July’12 to September’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
5605
12661.30
4220
23168.50
2576
21877.99
2367
27564.52
14768
85272.31
As per revised RBI guidelines, limits sanctioned up to Rs.25 lacs in metropolitan
centers with population above 10 lakhs and 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 advances 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.
91
BANK FINANCE UNDER HOUSING SCHEME – DIRECT
FINANCE FOR THE QUARTER ENDED SEPTEMBER 2012
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
27
HOUSING
(Amount Rs.in Lacs)
Disbursement made during the
quarter ended September 2012
(July’12 to September’12)
No.
Amount
63
901
102
1121
0
0
304
2480
45
505
653
3008
828
7418
4
31
209
2732
390
895
411
4635
58
433
12
127
0
0
664
685
567
3752
1785
8057
1095
7807
355
1339
5
29
21
658
9
63
375
1848
67
512
50
438
97
914
21
150
Name of the Bank
Allahabad Bank
Andhra Bank
Axis Bank Ltd.
Bank of Baroda *
Bank of Maharashtra
Bank of India
Canara Bank
Catholic Syrian Bank
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
IDBI Bank Ltd. *
Indus Ind Bank Ltd. *
Ing Vysya Bank Ltd.
Jammu & Kashmir Bank Ltd.
Karur Vysya Bank Ltd.
Karnataka Bank Ltd.,
Lakshmi Vilas Bank Ltd. *
Oriental Bank of Commerce
Pandyan Grama Bank
92
Sl.
No.
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
(Amount Rs.in Lacs)
Disbursement made during the
quarter ended September 2012
(July’12 to Sepetember’12)
Name of the Bank
No.
Pallavan Grama Bank
Punjab National Bank
Punjab & Sind 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
Tamilnadu Mercantile Bank
UCO Bank
Union Bank of India
United Bank of India
Vijaya Bank
GRAND TOTAL
Amount
2
104
19
78
2
1013
205
803
0
125
4217
47
38
197
332
530
16
407
41
425
14768
0
1091
18480
439
334
2226
1969
4193
382
2151
357
1091
85272.31
Banks marked * not submitted the data for September 2012
93
132nd SLBC
AGENDA No: 10 (A)
GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS)
The National Housing Bank 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, 1026 loans amounting to
Rs.8131.33 lacs have been disbursed under Golden Jubilee Rural Housing Finance
Scheme during the quarter ended September 2012 as shown below:
Cumulatively 2565 loan amounting to Rs 14029.72 lacs have been disbursed
during the period April 2012 to September 2012.
(Amount in Rs. Lacs)
Scheduled
Scheduled
Others
Total
Castes
Tribes
Particulars
No.
Amt.
No.
Amt.
No.
Amt.
No.
Amt.
Total Loans
sanctioned during
the Quarter
127
387.7
33
60.50
866
7938.22
1026
8386.42
Total Loans
disbursed during
the Quarter
127
387.7
33
52.95
866
7690.68
1026
8131.33
Member Banks are requested to furnish the details of housing loans under
Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.
94
132nd SLBC
AGENDA No: 11
Educational Loans
A)
The details of educational loans granted by member banks are furnished
in the annexure 1.
As per the reports received, 43595 loans to the tune of Rs.683.89 crores have
been granted during April 2012 to September 2012 of which
Engineering/Medical account for 33631 loans amounting to Rs.489.34 Cr, 1234
loans for study in Abroad amounting to Rs.119.30 Cr and 8730 loans to Others,
to the tune of Rs.75.25 Cr.
Out of 43595 Educational loans granted to the tune of Rs.683.89 crores,
SC/ST, Minority Communities & Women accounts for 7771 loans amounting to
Rs.101.59 Cr, 3304 loans amounting to Rs.68.14 Cr and 14150 loans to the tune of
Rs.176.04 Cr respectively.
The following Banks who have not furnished the data on Educational Loans as of
September 2012 are requested to submit the same immediately.
Sl.
No.
1
2
3
4
Name of the Bank
Catholic Syrian Bank Ltd
Dhanalakshmi Bank Ltd
IDBI BANK
Jammu & Kashmir Bank Ltd
Sl.
No.
5
6
7
Name of the Bank
Lakshmi Vilas Bank Ltd
United Bank of India
Punjab & Sind Bank
Government of India, Ministry of Finance has given an outstanding target of `
14273.65 crore as on 31.03.2013 for educational loan in Tamil Nadu.
Bank-wise target for no. of loans and amount outstanding has already been
advised to all member banks.
For the information of the forum, the outstanding as on 31.10.2012 was `
13554.32 Cr. against the year end target of ` 14273.65 Cr. with a gap of `
719.33 Cr.
95
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.
45500
No.
43595
Amount
73259.00
Amount
68388.67
(Amount in Lacs)
Loan
Loan
Applications
Applications
Rejected
Pending
No.
Amount
No.
Amount
1108 2280.00
797
2590.00
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.
The member banks were reminded through letters, e-mails and over phone to
inform the name of the official in charge of the cell along with phone number .
Despite all the above attempts, data from the following banks was not
received so far:
1
2
3
4
5
6
7
8
9
10
11
12
Andhra Bank
Axis Bank Ltd.
Bank of Maharashtra
Catholic Syrian Bank Ltd.
Federal Bank Ltd.
ICICI Bank Ltd.
Indus Ind Bank Ltd.
ING Vysya Bank
Jammu & Kashmir Bank
Ltd.
Karnataka Bank Ltd.
Kotak Mahendra bank
Oriental Bank of
Commerce
13
14
15
17
18
19
20
21
Pallavan Grama Bank
Punjab National Bank
South Indian Bank Ltd.
State Bank of Hyderabad
State Bank of Mysore
Syndicate Bank
Tamilnad Mercantile Bk Ltd.
UCO Bank
22
23
24
Union Bank of India
United Bank of India
Vijaya Bank
96
Member banks are requested to advise the name of the official in charge of the
cell along with phone number to SLBC immediately.
All member banks should give an advertisement individually about the grievance
redressal mechanism and availability of grievance redressal cell along with the
address of the cell, e-mail ID, name and telephone no. of the official in charge
of the cell.
97
PLEASE REFER DATA SHEET NO.9
98
99
PLEASE REFER DATA SHEET NO.10
100
132nd 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 September 2012 are furnished below:
S.No
PROGRAMME
Disbursement made
during the Quarter
ended September 12
Accounts
1
Amount
(Amount in Rs. Crores)
Outstanding position as
of September 2012
Accounts
Amount
2
SGSY
PMRY
*/PMEGP
3
SJSRY
395
1.83
12465
44.45
4
DRI
932
1.63
25047
42.95
5
MSE
3729
106.18
171905
2708.31
6
OTHERS
227560
2082.44
4101938
34405.76
234849
2216.16
4464419
37827.73
TOTAL
1846
17.29
135956
465.34
387
6.78
17108
160.92
* PMRY was discontinued w.e.f 01.04.2008
At the level of Rs.37827.73 crores, advances to women constitute 8.42 % of
total Bank credit as against the national norm of 5%.
101
AGENDA No:13
132nd SLBC
CREDIT FLOW TO MINORITY COMMUNITIES
As per the feedback received from the member banks, 206933 Loans amounting
to Rs.2223.29 crores were disbursed to Minority Communities during the
quarter ended September 2012 as shown below:(Amount in Rs. In Crores)
Sl.
No.
Name of
the
Community
Disbursement during the quarter ended
SEPTEMBER 2012
All Banks
Account
1
Muslim
2
Christian
3
Sikh
4
Zorastrian
5
Neo Buddist
Total
Public Sector Banks
Amount
Account
Amount
89507
984.13
55873
644.48
116406
1218
75476
836
139
2.13
67
0.99
17
0.19
5
0.03
864
19.26
770
18.42
206933
2223.28
132191
1500.03
Allocation of Target for Public Sector Banks for Lending to Minority
Communities for the state of Tamil Nadu
Ministry of Finance, Government of India vide their communication dated
03.10.2012 advised the outstanding target of Rs 19901.22 crore which is 31%
increase over March, 2012 (Rs.15226.56 crore) for Minority Community Lending
for the Public Sector Banks in the state of Tamil Nadu for the year 2012-13.
SLBC already communicated on 11.10.2012 to all the Public Sector Banks to
increase their lending to Minority Community to reach the enhanced outstanding
target.
102
The outstanding advances to Minority Communities stood at Rs.20196.84 crores
as at September 2012 is furnished below:The bank wise outstanding position on specified minority communities as of
September 2012 is enclosed as an annexure.
(Amount in Rs. Crores)
Sl.
No.
Name of the
Community
Outstanding Position as of
SEPTEMBER 2012
All Banks
Account
1
Muslim
2
Christian
3
Public Sector Banks
Amount
Account
Amount
980029
9355.79
640716
7428.67
1253296
10668.72
655724
8098.01
Sikh
891
26.31
694
21.77
4
Zorastrian
191
122.34
85
1.50
5
Neo Buddist
10705
23.77
1451
15.17
2245112
20196.94
1298670
15565.14
Total
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.
All the Public Sector Banks requested to increase their Minority Sector Lending
outstanding to achieve the target fixed by Ministry of Finance.
103
OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES
BY PUBLIC SECTOR BANKS – SEPTEMBER 2012
(Amount Rs.in Crores)
S.
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
NAME OF THE BANK
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
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
SYNDICATE BANK
UCO BANK
UNION BANK OF INDIA
UNITED BANK OF INDIA
VIJAYA BANK
IDBI BANK LTD.
TOTAL PUBLIC SECTOR BANKS
104
PRIORITY
SECTOR
ADVANCES
AS ON
30.09.12
29932.18
O/s. of
advances to
Minority
Communities
30.09.12
3407.45
11.38
155.61
471.53
659.25
375.68
2626.35
613.20
1365.20
4000.61
3952.14
468.45
17679.43
4944.96
5876.83
656.95
20248.98
21310.43
1584.98
2893.74
79.56
3878.38
2407.90
4407.16
332.06
1942.48
3599.01
136463.05
8.96
81.74
25.68
15.06
1037.98
20.76
126.05
241.75
419.61
20.18
1123.59
727.28
337.74
77.05
2330.73
3702.78
56.30
170.01
2.28
493.46
371.35
523.39
0.00
48.66
195.29
15565.14
5.76
17.34
3.90
4.01
39.52
3.39
9.23
6.04
10.62
4.31
6.36
14.71
5.75
11.73
11.51
17.38
3.55
5.88
2.86
12.72
15.42
11.88
0.00
2.51
5.43
11.41
%
AGENDA No:14
132nd 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
nonfarm 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 September 2012, Banks in Tamil Nadu have issued 1031803 Kisan
Credit Cards to the tune of Rs.8550.90 crores. The details are furnished in the
annexure.
Recently, 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.
Progress in issuance of ATM enabled revised Kisan Credit Card is very slow.
Henceforth, all member banks are requested to issue ATM enabled revised
Kissan Credit Card and furnish the progress report on monthly basis to SLBC in
the following format.
Name of the Bank :
Month
:
Total No.of
KCC issued
during the
Month
Of which
Number of ATM
enabled KCCs
issued during
the month
Amount of
Loan Disbursed
during the
month
(Rs in Lacs)
105
Cumulative No.
ATM enabled
KCCs issued
Cumulative
Amount of loan
Disbursed
(Rs in Lacs)
CROP INSURANCE
In the Special SLBC meeting conducted on 04.07.2012 during the visit of
Governor, RBI, the Governor stressed the importance of coverage of crop loans
under crop insurance extended to notified crops in the notified areas. As per
Governor’s advise a special persuasion campaign was carried out in Ariyalur,
Tiruvarur & Salem districts jointly by banks, LDM, AIC and Officials from Dept.
of Agriculture.
A special SLBC was conducted on 10.10.2012 wherein it was stressed the all
banks in the state should cover all the crop loans extended to notified crops in
notified areas under crop insurance.
We request all the member banks to ensure 100% coverage of eligible loans
under crop insurance.
Further, we also request AIC to provide SLBC data relating to coverage of crop
loans under crop insurance to enable us to review the progress.
106
PERFORMANCE OF BANKS UNDER KISAN CREDIT CARD SCHEME FROM
APRIL 2012 TO SEPTEMBER 2012
(Amount in Rs.Lacs)
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
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
Name of the Bank
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
TNSC Bank
UCO Bank
Union Bank of India
Vijaya Bank
TOTAL
Crop Loans
No
Amount
325
354
300
3472
1548
20881.9
441
474
45004
31008
18
6
18613
14070
81
44
5910
3352
41
35
1404
1300
16
34
0
0
105
6089
15899
196179
422
3546
10495
312469
11101
40
15953
23
203
77
32
16203
24235
769
382
139
54
11165
5666
750
118
72418
137
46439
Cumulative position
Term Loan
No
Amount
0
0
152
3885
826
99118.5
15
46
12847
25694
3940
2969
131
0
25
0
127
0
48
0
23568
50589
152
8174
170
9664
63
34
12
59
4700
4
8945
17
41
515
235
450
255
214
9
22
57
1504
209
524818
9551
13171
157
966891
104
1310
255
149448
9405
3957
267
647631
43
217
279
7888
544
869
115
64912
137
3913
224
415
482
207459
Total
No
Amount
325
354
271
174
2374
120000
456
520
57851
56702
18
6
22553
17039
81
19
5910
3352
172
69
1404
1300
41
82
0
0
0
0
23673
51011
6089
3546
16051
10665
204353
322133
0
0
11101
15953
103
57
0
0
0
0
215
441
77
139
32
54
20903
20110
24239
5683
769
750
0
0
159
371
85994
50889
0
0
264
0
100
1504
488
532706
10095
14040
272
1031803
Bank marked * has not submitted the data for September 2012
107
0
0
236
0
321
1310
391
153361
9629
4372
749
855090
132nd SLBC
AGENDA No:15
MICRO & SMALL ENTERPRISES (MSE) SECTOR
Credit flow to MSE Sector upto September 2012 is furnished in the annexure.
Credit flow to Micro and Small Enterprises amount to Rs.6053.17 Crores &
Rs.5728.43 Crores respectively.
The MSE disbursement made upto September 2012 is
Rs.11781.60 crores
compared to Rs.5034.14 crores disbursed in the corresponding period last year.
The share of advance to Micro Enterprises to total MSE for the half year
ended September 2012 (April 2012 to September 2012) is 51.38% . During the
corresponding period last year it was 43.39%. Member Banks are advised to
speed up the flow of credit to Micro Enterprises so that the 60% norm could be
achieved.
The share of Micro Enterprises in credit flow to MSE are furnished in the
annexure (Bank wise).
108
PLEASE REFER DATA SHEET NO.11
109
132nd SLBC
AGENDA No: 16
Progress Report on Economic Development Schemes implemented by
TAHDCO
The details of performance under various economic development schemes
implemented by TAHDCO during the financial year 2012-13 as of September
2012 are furnished in the annexure.
Member Banks are requested to actively involve themselves in the
implementation of these schemes and dispose the application within the
advocated time schedule.
TAHDCO has informed that from the year 2012-13, as an e-governance
imitative, they have introduced ‘On line’ system of application. The web site
address is http://application.tahdco.com. In this software they have included
the bank branches in the state based on the service area operations. Further
they have requested the banks to check the correctness of the details on the
software.
TAHDCO has given feedback, which is received from the district office for
discussion. The details of the points are given as an annexure.
110
PLEASE REFER DATA SHEET NO.12
111
112
113
132nd SLBC
AGENDA No: 17
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 as of 30.09.2012
amounted to Rs.2124.20 Crores. The percentage of achievement during the first
half is 53% of the full year target.
The District wise performance to Self Help Groups under Mathi (through Tamil
Nadu Women Development Corporation Ltd.) and Non-Mathi (direct lending) as
on 30.09.2012 is furnished in the Annexure 1.
TNCDW Ltd has advised the IFAD assisted PTSLP- District wise / Bank wise /
Branch wise pending of SHGs loan application in project district. The details are
enclosed as an annexure.
The member banks are advised to dispose of all the pending applications before
31.12.2012.
114
PLEASE REFER DATA SHEET NO.13
115
PLEASE REFER DATA SHEET NO.14
116
PLEASE REFER DATA SHEET NO.15
117
118
119
120
121
132nd
AGENDA No: 18
SLBC
REVIEW OF NPA ACCOUNTS IN PRIORITY SECTOR LENDING –
JUNE 2012
The position of NPA under categories of Priority Sector Advances as on June
2012 is furnished below.
NPA POSITION AS ON June 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
649.46
2.94%
909.31
3021.58
3118.91
7.35%
3.90%
5.21%
2013.10
8163.61
3.91%
4.67%
It is observed that NPA position under all categories has increased over March
2012 quarter. NPA under Priority Sector as of June 2012 has increased to
4.67% from 4.33% during March 2012 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.
122
PLEASE REFER DATA SHEET NO.16
123
124
132nd SLBC
Agenda No: 19
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 Canara Bank, Micro Finance Branch, Chennai-1
Segment: SHG Name: Murugan Magalir SHG.
A lady by name Mrs Maheswari started SHG in her area during 2005 . On
17/10/2005 20 members gathered near her house at Nehru Nagar Korukkupet,
Chennai and formed a group by name Murugan Magalir SHG. The savings is only
Rs.25/- and Rs.2/- contribution. The said amount was collected on weekly basis.
The amount was deposited in our Tondiarpet branch on weekly basis. The
internal lending was Rs.100/- at the beginning. Subsequent years the same got
increased to Rs.500/-, Rs.1000/- , Rs.2000/- and as on date it is Rs.20000/- per
member.
Savings as on date is Rs.9100/- per member. The total savings of this group
has come to Rs. 1,82,000/-. Each member in the group are still doing something
or other , for example preparing Different types of Batter, Flower vendors,
Steel utensils polishing, Tiffin shop, Rice shop, Making of mop , petty shop ,
Tailoring. At the beginning, in the year 2005, they had been to K.K.Nagar area
to attend tailoring training for 3 months. After learning they purchased sewing
machines and started stitching blouse. In the present day scenario each tailor
is getting not less than Rs.500/- per day.
There is no disintegration of the group. Right from day number one, there is no
change in the membership. There is a good understanding among the members.
While depositing the amount, different members either come to Micro Finance
branch or Tondiarpet branch and deposit the amount.
The bank loan started with Rs.10000/- and as on date the loan is Rs.7,50,000/-.
This is the first group to get a loan amount of Rs. 7,50,000/- from this branch
under Self Help Group.
125