4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
4th Meeting of SLBC of Telangana
Conference Hall : ‘C’ Block
4th Floor
Telangana Secretariat
Hyderabad:
Dt: 17th December 2014
Agenda & Background Papers
At 4.00 p.m.
STATE LEVEL BANKERS’ COMMITTEE
TELANGANA
Convener
State Bank of Hyderabad
Head Office : Hyderabad
1
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
4th SLBC Meeting Agenda – Index
1. Adoption of Minutes
S.No.
1
Particulars
Page
No.
nd
Adoption of minutes of 2 SLBC meeting held on 08/08/2014
9
& 1st Steering Committee on PMJDY; PMJDY Launching
Meeting on 28/08/2014 & adoption of other meetings of SLBC
held after 08/08/2014
2. Banking Statistics
S.No.
1
2
3
Particulars
Banking at a Glance
Banking Key Indicators
Statement of Priority Sector Advances
Page
No.
9
10
10
3. Achievement of Annual Credit Plan 2014-15
S.No.
1
2
Particulars
Achievement as on 30.06.2014
Annual Credit Plan achievement – Last three year
Page
No.
11
11
4. Action Points of earlier SLBC / Steering Committee Meetings – Action
Taken Report
S.No.
1
2
Particulars
Page
No.
Allotment of site to RSETIs
12
Opening of branches at Utnoor (Adilabad District) & Dacharam 12
(Karimnagar District)
5. Agriculture Sector
S.No.
1
2
3
4
5
6
Particulars
Page
No.
Progress in lending short term production loans
13
Implementation of Union Budget speech 2014-15 – Interest 13
Subvention Scheme for Short Term Crop Loans during the
year 2014-15
Vaddi Leni Runalu and Pavala Vaddi Scheme on crop loans 13
from Rabi 2013-14:
Farm Mechanization
13
Reschedulement of loans in Telangana
14
Targets for financing Joint Liability Groups (JLGs)
15
2
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
7
8
9
10
National Crop Insurance Programme (NCIP) – Extension of cutoff date during Kharif 2014 for MNAIS & WBCIS in Telangana
NABARD – Acceptance of Government subsidy claims under
Animal Husbandry Schemes – Poultry Venture Capital Fund
(PVCF), Integrated Development of Small Ruminants and
Rabbits (IDSRR) and Pig Development
Over-dues / NPAs under Agriculture Sector as on 30/06/2014
Changes in Self-Employment Programme (SEP) component of
National Urban Livelihoods Mission (NULM)
16
16
17
18
6. Micro, Small & Medium Enterprises (MSME) Sector
S.No.
1
2
3
4
Particulars
Page
No.
Position of Lending under MSME sector
19
Credit Guarantee Fund Trust for Micro and Small Enterprises 19
(CGTSME) Scheme Progress Made by banks.
Rehabilitation of Sick Micro and Small Enterprises
20
Overdue / NPAs under MSME sector
21
7. Housing Loans
S.No.
1
2
3
Particulars
Page
No.
Position of housing Loans as on 30/06/2014
21
Pending reimbursement of Government share of EMIs as per 21
GO MS No. 42 by the State Housing Corporation under RGK
and Vambay schemes.
Over dues / NPAs under housing loans 30/06/2014
22
8. Education loans
S.No.
1
2
3
4
5
6
Particulars
Page
No.
Position of Education loans as on 30/06/2014
23
Allocation of targets for education loans for 2014-15
23
Insisting on Collaterals and Guarantees while sanctioning the 23
education loans
Central Scheme to provide Interest Subsidy (CSIS)
23
Padho Pardesh – Scheme for Interest subsidy on Education 24
Loans for Overseas studies for the minorities
Overdue / NPAs under Education Loans as on 30/06/2014
25
9. Export Credit
S.No.
1
Particulars
Position of Export Credit in Telangana
3
Page
No.
25
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
10.
Credit flow to Minority Communities
S.No.
1
11.
Particulars
Credit flow to Minority Communities
Credit flow to Weaker Sectors
S.No.
1
12.
Particulars
Credit flow to Weaker Sections
13.
Particulars
Credit flow to SC/STs
14.
S.No.
Page
No.
26
Credit flow to Women beneficiaries
S.No.
1
Page
No.
25
Credit flow to SC/STs
S.No.
1
Page
No.
25
Particulars
Credit flow to Women beneficiaries
Page
No.
26
Government Sponsored Schemes – Government of India
3
Page
No.
PMEGP / NRLM
27
Implementation of Scheme of Interest Subsidy Eligibility 27
Certificate (SEC) Scheme:
National Rural Livelihood Mission (NRLM)
28
4
Housing Scheme – RRY
28
5
Handloom Weavers
29
6
Credit under DRI
29
7
Central Sector Scheme of Self Employment Scheme for
Rehabilitation of Manual Scavengers (SRMS) – Revision of the
scheme
Small Farmers’ Agri Consortium (SFAC)
30
1
2
8
Particulars
4
30
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
15.
Government sponsored Schemes – Government of Telangana
S.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
16.
S.No.
1
2
3.
Particulars
SC Corporation schemes
Rajiv Yuva Shakti (RYS) Scheme
Washermen Co.op Society
Kummari / Salivahana Co.op Society
Krishna Balija / Poosala Co.op Society
Sagara (Uppara) co.op society
Viswabrahmin co.op society
Weaver Credit Card Scheme
Waddera co.op society
TS Valmiki / Boya co.op society
Medara co.op society
Bhattraja co.op society
Nayee Brahmins co.op society
Page
No.
32
32
33
34
34
35
36
36
37
38
38
39
40
Financial Inclusion
Particulars
Page
No.
Providing Banking channels / services:
42
a. Providing banking services in all villages with above 42
2000 population - progress as on 30.06.2014
b. Implementation of FIP in below 2000 population – 42
Progress as on 30.06.2014
c. Branch Expansion Plan
42
d. Installation of ATMs
42
e. Issuance of Debit Cards
43
f. National Mission on Financial Inclusion Plan – Pradhan 43
Mantri Jan-dhan Yojana (PMJDY)
g. Unbanked mandals / Mandals with no bank branches 44
in Mandal Head quarters
h. Opening of branches in Tribal areas
44
Credit Plus activities
a. Financial Literacy Centres
45
b. Rural Self employment Training Institutes
47
c. TSLBC Call Centre
48
Others
48
Geographical Information system (GIS)
48
5
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
17.
S.No.
1
2
3
4
5
6
18.
S.No.
1
19.
S.No.
1
20.
Lead Bank Scheme
Particulars
Page
No.
Implementation of High Level Committee Recommendations
49
Conducting of Meetings under Lead Bank Scheme
49
Modified Information System under Lead Bank Scheme – 50
Guidelines of RBI
Attendance in JMLBC / DLRC / DCC meetings
51
Information to be submitted quarterly by Banks and LDMs
51
Communicating the Decisions taken at SLBC level to the 51
branches by the Controlling Authorities
Overdue / NPAs position
Particulars
Page
No.
Overdue / NPAs position as on 30.06.2014 under various 52
sectors
Regional Rural Banks (RRBs)
Particulars
Page
No.
Performance of Regional Rural Banks on important parameters 53
Other Items
S.No.
1
21.
Particulars
Inclusion of Members in SLBC meetings
Circulars issued by Reserve Bank of India
S.No.
1
2
22.
S.No.
1
2
3
4
5
Page
No.
55
Particulars
Circulars issued by RBI
Circulars / letters issued by NABARD
Page
No.
55
56
Annexures
Particulars – Position as on 30/06/2014
Bank-wise number of branches
District-wise number of branches
Bank-wise Deposits; Advances & CD Ratio
District-wise Deposits; Advances and CD Ratio
Bank-wise Priority Sector Advances
6
Page
No.
57
59
60
62
63
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
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
District-wise Priority Sector Advances
Bank-wise Agriculture Advances (Direct & Indirect)
District-wise Agriculture Advances (Direct & Indirect)
Annual Credit Plan 2014-15 : Bank-wise achievement
(Agriculture)
Annual Credit Plan 2014-15 : Bank-wise achievement (MSE &
Priority Sector Advances)
District-wise achievement of Annual Credit Plan 2014-15
(Agriculture)
District-wise achievement of Annual Credit Plan 2014-15 (MSE
& Priority Sector Advances)
Bank-wise Micro; Small & Medium Enterprises (MSME)
advances
Bank-wise Housing Loans
Bank-wise Education Loans
Bank-wise Education Loans targets allocated in the State of
Telangana
Bank-wise data on Export Credit
Bank-wise Advances to Minority Communities
Bank-wise Advances to Weaker Sections
Bank-wise Advances to SC / ST borrowers
Bank-wise Advances to Women
Bank-wise Advances under DRI scheme
Bank-wise SHG Bank-linkages
Short Term Crop Production Loans : Bank-wise position on
overdue / NPAs
Agri. Term Loans including Allied Activities : Bank-wise
position on overdue / NPAs
Agri. Term Loans including Allied – Indirect Loans : Bank-wise
position on overdue / NPAs
Total Agriculture advances : Bank-wise position on overdue /
NPAs
Micro & Small Enterprises : Bank-wise position on overdue /
NPAs
‘Others’ under Priority Sector Advances : Bank-wise position
on overdue / NPAs
Total Priority Sector Advances : Bank-wise position on overdue
/ NPAs
Non-Priority Sector Advances : Bank-wise position on overdue
/ NPAs
Total Advances : Bank-wise position on overdue / NPAs
Educational Loans : Bank-wise position on overdue / NPAs
Housing Loans : Bank-wise position on overdue / NPAs
SHGs Bank Linkage : Bank-wise position on overdue / NPAs
Vaddi leni Runalu – GO of Govt. of Telangana
Guidelines for implementation of Farm Mechanization
RBI letter – Reschedulement of Crop Loans
Bank-wise targets of JLGs (Joint Liability Groups)
7
65
66
68
69
71
73
74
75
79
81
83
85
87
89
91
93
95
97
99
101
103
105
107
109
111
113
115
117
119
121
123
124
151
154
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
40
41
42
43
44
45
46
47
48
49
50
51
52
National Agricultural Insurance Scheme – GO of Govt. of
Telangana
Acceptance of Government subsidy claims under Animal
Husbandry Schemes NABARD letter
RBI Circular on Education Loan
Scheme guidelines of Padho Pardesh Scheme of interest
subsidy on Educational Loans
FIP <2000 District-wise and Bank-wise position
PMJDY – Progress report
List of Financial Literacy Centres
FLC Report for the quarter ended 30/06/2014
Minutes of 1st SLBC Meeting
Minutes of 2nd SLBC Meeting
Minutes of 3rd SLBC Meeting (PMJDY)
Minutes of 1st Steering Committee Meeting
Minutes of 1st SLIIC Committee Meeting
8
155
179
180
187
201
203
205
207
211
214
219
222
229
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda 1:
Adoption of the minutes of 1st SLBC meeting held on 04/06/2014
The minutes of 2nd SLBC meeting on 8th August 2014; 1st Steering
Committee meeting and 3rd SLBC Meeting (launching of PMJDY) were
circulated to the members of SLBC, LDMs and Government Departments
concerned. These minutes may be taken as approved by the house as no
amendments / changes were received by SLBC of Telangana.
Agenda 2:
1. Banking at a glance in Telangana as on 30/06/2014
Rural
1595
Semi-urban
1066
Urban
608
5
a
b
c
6
Total
4598
(Rs. In cr)
Amount
S.No. Particulars
1
2
3
4
Metro
1329
Total Deposits
Total Advances
Credit Deposits Ratio (%) (RBI Norm 60%)
Total Priority Sector Advances
% of Priority Sector Advances to total Advances (RBI
Norm 40%)
Of which
Agriculture advances
% of Agri. Advances to Total Advances
Non-farm Sector / Micro & Small Enterprises
% to Total Advances
Others' under Priority Sector Advances
% to Total Advances
Of which
i. Educational Loans
ii. Housing Loans
iii. SHGs
Advances Weaker Sections
Advances to Women
Advances to SC/ST
Advances to Minorities (RBI Norm 15% on Priority
Sector Adv.
9
286891.12
318400.20
110.98
105102.84
33.01
50463.83
15.85
30050.41
9.44
24588.60
7.72
2422.80
16585.29
39.02
28583.37
17453.59
8702.44
12339.89
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
2. Banking Key Indicators of Telangana
S.No.
1
2
3
4
4
Particulars
Mar'12
Number of Branches
Rural
1296
Semi-urban
839
Urban
648
Metro
1044
Total
3827
Deposits
219503
Incremental Deposits (% of
increase)
Advances
253497
Incremental Advances (%
of increase)
CD Ratio (RBI Norm 60%)
115.49%
(Rs. In cr)
Mar'13
Mar'14
1450
955
662
1115
4182
254728
35225
(16.05%)
301912
48415
(19.09%)
118.52%
June'14
1584
1056
595
1318
4553
285879
31151
(12.23%)
324964
23052
(7.63%)
113.67%
1595
1066
608
1329
4598
286891
1012
(0.35%)
318400
-6564
(-2.02)
110.98%
3. Statement of Priority Sector Advances (Outstanding)
S.No. Particulars
Mar'12
Mar'13
(Rs. In cr)
Mar'14 June'14
1
Short Term Production
Loans
13544
19704
25178
25481
2
3
Agri. Term Loans including
allied activities
Total Agriculture Advances
22929
36473
27140
46844
24386
49564
24982.83
50463.83
4
% of Agri. Advances to
Total Advances
14.39
15.52
15.25
15.85
17391
22589
29301
30050.41
6.86%
7.48%
23358
26957
9.21%
8.92%
7.31%
77222
96390
102617
105102.84
30.46%
31.92%
31.58%
33.01%
5
6
Non-Farm Sector / Micro
& Small Enterprises
% of Non-Farm Sector /
Micro & Small Enterprises
to total advances
9
Others' under Priority
Sector Advances
% of ‘Other’ under Priority
Sector advances to total
advances
Total Priority Sector
Advances
10
% of Priority Sector
Advances to total advances
7
8
10
9.01%
23752
9.44%
24588.60
7.72%
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Note : Percentage calculated on total Advances due to non-availability of
ANBC & Net Bank Credit.
Agenda: 3
Achievement of Annual Credit Plan 2014-15
1. Achievement as on 30/06/2014
S.No.
(Rs. In cr)
Achievements
Target
(Disbursements
2014-15
01/04/14 to
30/06/14)
Particulars
Short Term Production
Loans
Kharif
Rabi
Total
2
Agriculture Term Loans
3
Allied to Agriculture
4
Total Agriculture
Micro &small
5 Enterprises
% of
achievement
1
Others' under priority
Sector Adv.
Total Priority Sector
Advances
Non-Priority Sector
Advances
Total Credit Plan
12389.7
6328.25
18717.95
6238.48
2277.16
27233.59
4223.49
34.09
4223.49
2241.35
1767.32
8232.16
22.56
35.93
77.61
30.23
6587.96
6024.03
91.44
6724.96
1557.97
23.17
40546.51
15814.16
39.00
22501.11
63047.62
20796.97
36611.13
92.43
58.07
2. Annual Credit Plan Achievements – Last three years:
S.N
o.
2011.12
Particulars
Target
2012-13
Achieve
-ment
Target
2013.14
Achieve
-ment
Target
Achieve
-ment
(Combined State of Andhra Pradesh)
Short Term
1
Production Loans
Agriculture Term
2
Loans
4
Total Agriculture
Micro &small
5 Enterprises
20753
24664
25504
36093
35549
37058
11124
31877
10947
35611
10150.00
35654
13967
50060
11468
47017
12716
49774
5069
4245
5593.00
6312
7000
9427
11
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Others' under
priority Sector
Adv.
Total Priority
Sector Advances
10165
7108
12205.00
9198
12939
5527
47111
46964
53452
65570
66956
64728
Agenda : 4
Action Points of earlier SLBC/Steering Committee Meetings—ATR
1. Allotment of site to RSETIs
 Land allotment has not been done for RSETIs sponsored by State Bank of
Hyderabad at Khammam & Karimnagar.
District Administration of
Khammam and Karimnagar to expedite allotment of sites.
RSETI
sponsored by State Bank of India at Mahabubnagar has also not been
provided the site. A representation to this affect was given to the District
Administration for providing a piece of land near Jadcherla.
 Andhra Bank has given a representation for approval to open RSETI at
Siddipet in Medak district.
The SLBC has already taken up the issue
with State Administration for allotment of land to Andhra Bank.
2. Opening of branches at Utnoor town, Adilabad district and
Dacharam village in Karimnagar District
 A letter addressed by
Sri Gajjela Devraj, TRS State General Secretary is
received through Reserve Bank of India requesting for banking facilities
at Dacharam (and other Villages) of Karimnagar Dist.
The SLBC has
advised Lead District Manager of Karimnagar to keep it as an agenda
item for discussion in the DCC meeting of Bankers.
 Similarly, a request received from Sri Pavan Kumar & others and other
for opening of a 2nd bank branch in Utnoor town has also been sent to
Lead District Manager, Adilabad to discuss in DCC meeting as an agenda
item.
12
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda : 5:
Agriculture sector
1. Progress in lending short term production loans:
Against the Kharif Target of Rs.12389.70 crore for the Financial Year 201415, the disbursements during April-June Rs.4223.49 crore and achievement
is 34.09%. There was slow progress due to delayed monsoons and the debt
waiver scheme announced by State Government of Telangana in process.
2. Implementation of Union Budget speech 2014-15 –Interest
Subvention Scheme for Short Term Crop Loans during the year
2014-15
In the Union Budget for the year 2014-15, Hon’ble Union Finance Minister
announced that under the interest subvention scheme for short term crop
loans, banks are extending loans to farmers at a concessional rate of 7%.
The farmers get a further incentive of 3% for timely repayment. This scheme
will continue in 2014-15
3. Vaddi Leni Runalu and Pavala Vaddi Scheme on crop loans from
Rabi 2013-14:
Govt. of Andhra Pradesh (combined State) has issued memo copy of no.
652/FP.II/2014 dt. 21/04/2014 for continuation of VLR / Pavala Vaddi
Scheme on crop loans fro Kharif 2013-14.
After formation of Telangana
State, the Government of Telangana has agreed to continue the scheme for
13
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Rabi 2013-14 also vide lr no. Credit/12/2014 dt. 08/07/2014. Copy of the
letter is enclosed as annexure 36.
SLBC has circulated the same to all
member banks and LDMs.
4. Farm Mechanisation:
The Government of Telangana vide its lr. no. FM(1) 200/14 dt. 13.10.2014
informed the details of its Farm Mechanisation Scheme 2014-15.
The
guidelines of the scheme and the Bankers role in implementation of the
scheme are given in annexure 37.
5. Reschedulement of loans in Telangana
Reserve Bank of India vide its Lr No. RPCD.FSD.1764/5.10.04/2014-15
dated 7th August, 2014 addressed to Chief Secretary, Government of
Telangana considering the request of the Government of Telangana,
Executive Director of RBI advised as under.
RBI is agreeable to allow reschedulement of some farm loans. However,
based on normative criteria: reschedulement is restricted to the three
districts of Medak, Ranga Reddy and Adilabad and would cover loans
extended by only Commercial Banks, Cooperative Banks and RRBs. Further,
this would cover only short term production loans for allied activities.
Additionally, the reschedulement would be subject to conditions as under:
 The following loans/ accounts are NOT eligible under the Crop loan
Scheme for reschedulement.
a. Advances against pledge or hypothecation of agricultural produce
other than standing crop
b. Tied loans
c. Closed crop loan accounts
 Reschedulement will be limited to a period of three years, comprising one
year moratorium, and two years’ reschedulement
14
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
 Banks will not forgo the right to recovery from farmers if the loan
remains overdue after the period of three years has lapsed.
 The eligible amount for reschedulement would be limited to the amount
of crop loan together with applicable interest which is disbursed between
April and October, 2013 as of 31st March 2014 or Rs.1.00 lac per farmer,
whichever is lower. Where the amount is paid by Government, it must be
deposited in cash directly in the farmer’s account.
 SLBC already circulated these guidelines to the controlling authorities of
all banks and LDMs .
The letter of RBI is enclosed as annexure 38.
6. Target for financing of JLGs during the year 2014-15
NABARD on the captioned subject has informed that in view of the Union
Budget announcement of provision of finance to 5 lac joint farming groups
of “Bhoomi Heen Kisan”, it has been decided that at least 5 lac joint farming
groups will be financed through JLG mode of financing during the current
year. Accordingly district-wise targets are allocated to Telangana for the
current year. This may be achieved through extension of fresh finance to the
existing stock of JLGs and through promotion & financing of new Joint
Farming Groups. Financing of JLGs for Non-Farm activities will continue,
over and above the allotted target for Joint Farming group. Bank-wise
targets are as per annexure 39.
Dist-wise targets are as under:
Sr.No
Districts
Target for DDMs
1
Adilabad
1000
129
1290
2
Karimnagar
1500
196
1960
3
Khammam
1500
153
1530
4
Mahabubnagar
1500
180
1800
5
Medak
1000
189
1890
15
Rural Branches
Branch-wise target @10
JLG per branch
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
6
Nalgonda
2000
172
1720
7
Nizamabad
1000
193
1930
8
Warangal
1500
166
1660
9
Ranga Reddy
500
201
2010
11500
1579
15790
Total
These targets shall be achieved by the banks by financing to the existing
JLGs and promotion / financing of new Joint Farming Groups. Financing of
JLGs for non-farm activities will continue, over and above the allocated
targets for Joint Farming Groups.
7. National Crop Insurance Programme (NCIP) – Extension of cut-off
date during Kharif 2014 for MNAIS & WBCIS in Telangana:
Dept of Agriculture, Govt. of Telangana vide GO Rt. No. 63 dt. 11/08/2014
communicated the guidelines for extension of cut-off date upto 31/08/2014
for implementation of Modified National Agriculture Insurance Scheme
(MNAIS) & Weather Based Crop Insurance Scheme (WBCIS) Kharif 2014 in
the State of Telangana.
The cut-off date is applicable for enrolment of non-loanee farmers in
respect of all notified crops under NAIS vide GO RT. no. 79 dt. 22/08/2014.
However, vide GO RT No. 84 dt. 25/08/2014, Government of Telangana has
further informed to de-notify ‘Cotton and Red Chilly Crops’ under Weather
Based Crop Insurance Scheme and Notify ‘Cotton (irrigated) & (un-irrigated)
and Red Chilly (irrigated) crops’ and Areas (District-wise) for implementation
of Manadal Insurance Unit / Group Mandals / District as Insurance Unit
Scheme in respect of loanee farmers under NAIS during Kharif 2014 season.
The GOs issued by Government of Telangana are enclosed as annexure 40.
SLBC has already circulated these guidelines to the controlling authorities
of all Banks and LDM.
16
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
8. NABARD – Acceptance of Government subsidy claims under Animal
Husbandry Schemes – Poultry Venture Capital Fund (PVCF),
Integrated Development of Small Ruminants and Rabbits (IDSRR)
and Pig Development.
NABARD Regional Office, Hyderabad vide Cir. No.
APRO/ HYD/ DoR/
4382/ IDSRR/2014-15 dt. 18th September 2014 on the captioned subject
wherein it is informed that all the subsidy
applications under the above
schemes, where first installment of the loan was released by banks up to
31st March 2014 shall be accepted by Regional Office, NABARD latest by
15th October 2014.
No further subsidy claims for this period (Loan
disbursed up to 31st March 2014) are permitted for release of subsidy during
the year 2014-15.
Hence it is advised that banks submit the claims,
complete in all the respects, through proper channel, to NABARD, Regional
office, Hyderabad on or before 15th October 2014. The copy of the circular is
enclosed as annexure 42.
SLBC has circulated the same to the controlling authorities of all banks /
LDMs vide No. SLBC(T)/Gr.II/F.8/550 dt. 30/09/2014.
9. Overdues / NPAs under agriculture sector as on 30/06/2014
(A/c in lac & Amt in crore)
S.N
o.
1
2
4
Particulars
Short Term
Production
Loans
Agriculture
Term Loans
including
Agri. Allied
activities
advancs
Agri. And
allied –
Indirect
Outstanding
A/c.
Amt
No. of
overdu
e A/c.
Overdues
Total
Balance in
overdue
accounts
Actual
overdue
amount
NPAs
No.of
Amount
A/c.
45.36
25481.00
1.45
10008.48
6446.44
2.57
1768.56
9.38
16064.52
2.99
3822.75
2081.56
1.10
1385.43
1.03
8918.31
0.15
1892.21
1171.02
0.08
707.65
17
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
5
Total
Agriculture
Advances
55.77
50463.83
4.59
15723.44
9699.02
3.75
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
SLBC is requesting the Government of Telangana to create machinery in the
Agriculture Department to help the banks in recovery of chronic dues in
Agriculture sector. This will help the banks in better recycling of funds and
increase credit flow to agriculture sector.
10. Changes in Self-Employment Programme (SEP) component of
National Urban Livelihoods Mission (NULM)
SLBC received a communication Ministry of Housing & Urban Poverty
Alleviation,
New
Delhi
vide
Lr.no
D.O.No.K-14014/58(10)2012-SLSU-
SNPUPR dated 18th September, 2014 on the captioned subject. A
communication to the controlling offices of all the banks has been sent on
18/10/2014.
 A new component of SHG Bank Linkage has been introduced under
NULM. Under this component, SHGs in urban areas can avail bank
loan on 7% rate of interest. Further, an additional 3% interest
subvention will be provided to all women SHGs in all the cities who
repay their loan in time. The difference between 7% or 4% as the case
may be and the prevailing rate of interest will be provided to banks
under NULM (RBI Cir RPCD.CO.GSSD.BC.No. 26/09.16.03/2014-15)
 As per the targets and classification of Priority Sector mentioned by
RBI vide circular No. RPCD.CO.Plan.BC10/04.09.01/2014-15 dated
1st July 2014, the loans of Swarna Jayanti Shahri Rozgar Yojana
(SJSRY) now restructured as NULM, are included under weaker
18
3861.64
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
sections under the priority sector lending by banks. The loans of
NULM henceforth, should be included in the priority sector and deal
on priority by the Banks.
Agenda: 6:
Micro, Small & Medium Enterprises (MSME) Sector
1. Position of lending to MSME sector
(Rs. In cr)
S.No.
Outstanding as on
31/06/2014
Particulars
A/c.
1
2
3
4
5
6
7
Micro Enterprises
Small Enterprises
Total SME
Amt
379006
139011
518017
16479.45
21836.80
38316.25
% of Micro enterprises to
total MSE
73.16
43.01
% of Small enterprises to
total MSE
Medium Enterprises
Total MSME
26.84
88279
606296
56.99
11527.03
49843.28
19
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
2. Credit Guarantee Fund Trust for Micro and Small Enterprises
(CGTMSE) Scheme and achievement in Telangana
During 36th E.C. and 101st SLIIC meetings of MSME held on 31st July, 2014
held at RBI, it was suggested that banks should submit monitorable action
plans to improve the CGTMSE coverage . Some of the banks informed that
premium of 1.25% of the loan amount is hurdle for the borrowers to be
covered under the scheme.RBI advised the banks to give publicity about
benefits of the coverage.
In this connection controllers of the Banks are
advised to:
 Sensitize the Branch Managers to extend coverage of all new eligible
micro & small units under the scheme
 Display at bank branches and at prominent places on the availability of
Collateral free loans.
 All loan applications are to be acknowledged
 Explore the possibility of opening of Special branches in SME clusters.
 Banks shall have monitorable action plan as suggested by RBI.
All Banks are requested to make all out efforts to reach the target set for
coverage of CGTMSE units during the current year.
3. Rehabilitation of Sick Micro and Small Enterprises
Analysis reveals that the identification of sickness in MSE enterprises is
delayed so much late that the possibilities of revival turns remote.
As per revised guidelines that are issued for rehabilitation of sick units in
the MSE sector as given in Annex.1 of RBI/2012-13/273,RPCD.CO.MSME &
NFS.BC.040/06.02.31/2012-13, dated November 1, 2012, the emphasis of
the revised guidelines is to hasten the process of identification of a unit as
sick, early detection of incipient sickness, and to lay down a procedure to be
followed by banks before declaring a unit as unviable.
RBI emphasize that timely and adequate assistance to potentially Viable
MSE units which have already become sick or are likely to become sick is of
20
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
the utmost importance not only from the point of view of the financing
banks but also for the improvement of the economy, in view of the sector’s
contribution to the overall industrial production, exports and employment
generation.
The banks should therefore take a sympathetic attitude and strive for
rehabilitation, in respect of units in the MSE sector, particularly wherever
the sickness is on account of circumstances beyond the control of
entrepreneurs. However, in cases of units, which are not capable of revival,
banks should make efforts for a settlement and/or resort to other recovery
measures, expeditiously.
4. Overdue/NPAs under MSE Sector as on 30.06.2014
(Rs. In cr)
Outstanding
S.No.
1
Particu
-lars
MSE
A/c.
740650
Amt
38316.24
Overdues
No. of
overdue
A/c.
143678
Total
Balance
in
overdue
account
s
9312.88
NPAs
Actual
overdue
amount
4984.30
No.of
A/c.
83422
Amount
2060.03
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
The total balance in overdue accounts to outstanding MSE is 24.30% and
the over-dues in real terms are Rs.4984.30 cr which is 13.08% of total
outstanding. The ratio of NPAs is 5.37%
21
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
In view of the mounting of overdues in SME sector in general and
PMEGP in particular, SLBC is requesting the Secretary, Industry &
Commerce, MSME Department, Government of Telangana to constitute
a recovery mechanism that helps the banks to recover the overdues
which in turn increase in credit flow to MSME sector.
Agenda: 7
1. Position of Housing Loans as on 30.06.2014
Period
June 2014
Outstanding
No. of a/c.
Amount
311722
16585.29
(Rs. In cr)
Disbursement
No. of a/c.
Amount
13723
496.77
2. Pending reimbursement of Government share of EMIs as per GO MS
No. 42 by the State Housing Corporation under RGK and Vambay
schemes.
SLBC has taken up the matter with AP State Housing Department
(Telangana Unit) requesting to settle the claims of the banks as banks were
given to understand that there is inordinate delay in settling the claims by
the Housing Corporation.
In response to the above, the Housing Department vide their letter no.
7185/MGR/FIN/2014 dt. 10.10.14 stating that the issue was referred to
Government and orders are awaited. SLBC has communicated this to all
members vide letter No. F/8/574 dt. 18.10.2014.
It is being informed by banks that though there are several cases of misutilisation of loans allocated under weaker section housing programme and
repayments are not forth coming, steps are not being initiated for reallocation of houses. SLBC is requesting Housing Department to re-allocate
at least some cases for demonstration, which will have positive impact on
recovery.
3. Overdue/NPAs under Housing Loans as on 30.06.2014
(Rs. In cr)
22
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Outstanding
S.No.
1
Particulars
Housing
Loans
A/c.
311722
Amt
16585.29
Overdues
No. of
overdue
A/c.
81459
NPAs
Total
Balance
in
overdue
a/c.
3860.61
Actual
overdue
amount
905.66
No.of
A/c.
31047
Amount
629.72
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
Total overdues in housing loans constitute 23.27% of the Housing Loans
outstanding whereas the NPAs constitute 3.80% of the Housing Loans
outstanding.
Agenda – 8:
Education Loans
1. Position of Education Loans as on 30.06.2014
Period
June 2014
Outstanding
No. of a/c.
Amount
88404
2422.80
(Rs. In cr)
Disbursement
No. of a/c.
Amount
7336
90.18
2. Allocation of targets for Educational Loans for 2014-15
Department of Financial Services, Ministry of Finance, Government of India
vide letter No.F.No.1(1)/2011-CP dated June 23, 2014 advised convener
SLBC to allocate targets for 2014-15 under Educational Loans keeping a
minimum growth 10% in number of accounts and 15% in loan outstanding.
23
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Further it is advised to monitor the progress in the SLBC meetings regularly.
The proposed targets were allocated based on the provisional information
furnished by banks as on 30.06.2014. The targets allocated are kept as
annexure No. 16.
3.
Insisting on Collaterals and Guarantees while sanctioning the
educational loan
Reserve Bank of India, Hyderabad advised SLBC to communicate the extant
guidelines of educational loan scheme, wherein it was advised that no
security be insisted for loans up to Rs.4 lac.
SLBC has advised the controllers of all the banks to reiterate the circular
instructions to their branches (adhere the guidelines of RBI contained in
circular no. RPCD.PLNFS.BC.No. 83/06.12.05/2000-01 dt. 28/04/2001
regarding Education Loan Scheme). Copy of the RBI circular instructions is
enclosed as annexure 42
4. Central Scheme to provide interest Subsidy (CSIS):
RBI Hyderabad vide Lr. No. RPCD (H)/LBS/370/02.03.03/2014-15 dated
September 17, 2014 informed that some of the banks in the state are not
extending the benefit of CSIS to the eligible students who have been
sanctioned education loans after March 31, 2009. In this context, RBI
advised as per the central government as well as IBA guidelines, the CSIS is
applicable to all eligible students who pursue technical and professional
education studies in India beginning from the academic year 2009-10.
SLBC circulated these guidelines to controlling authorities of all banks for
compliance.
5. Padho Pardesh—Scheme for Interest subsidy on Education loans for
Overseas studies for the Minority Communities:
Government of India , Ministry of Minority Affairs has formulated a scheme
for interest subsidy on education loans for overseas studies to promote
educational advancement of students from economically weaker sections of
24
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
notified minority communities of the society. The scheme is introduced by
Government of India by name Padho Pardesh –scheme effective from 201314 for interest subsidy on Educational loans for Overseas Studies i.e.,
Masters, M. Phil & Ph. D for the studies belonging to the Minority
communities viz., Muslims, Christians, Sikhs, Budhists, Jains and Parsis.
The scheme guidelines are placed as annexure 43.
6. Overdue/NPAs under Education Loans as on 30.06.2014
(Rs. In cr)
Outstanding
S.No.
1
Particulars
Educatio
n loan
A/c.
884.04
Amt
2422.80
Overdues
NPAs
No. of
overdue
A/c.
Total
Balance
in
overdue
a/c.
Actual
overdue
amount
28732
541.88
208.19
No.of
A/c.
10905
Amount
195.35
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
The percentage of balance in overdue accounts & NPAs to outstandings is
22.36% and 8.06% respectively.
Agenda – 9:
1. Position of Export Credit in Telangana:
SLBC will take up with Export & Industry Associations and Banks for
identifying issues to be discussed in Export Sub-committee Meetings, as no
issued have been brought to the notice of the SLBC so far.
The position of export credit as on 30/06/2014 is as under:
Period
June 2014
Outstanding
No. of a/c.
Amount
1322
3278.92
(Rs. In cr)
Disbursement
No. of a/c.
Amount
139
275.10
Bank-wise position as on 30.06.2014 is given in the annexure 17.
25
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda- 10:
Credit flow to Minority Communities :
The position of
under:
credit to minority communities as on 30/06/2014 is as
(Rs. In cr)
Period
June 2014
Outstanding
No. of a/c.
Amount
758725
12339.88
Disbursement
No. of a/c.
Amount
57006
753.86
Bank wise position as on 30.06.2014 is given in the annexure 18.
Agenda – 11:
Credit flow to Weaker sections :
The position of credit flow to weaker sections as on 30/06/2014 is as under:
(Rs. In cr)
Period
June 2014
Outstanding
No. of a/c.
Amount
3585569
28583.37
Disbursement
No. of a/c.
Amount
667079
2677.86
Bank wise position as on 30.06.2014 is given in the annexure 19.
Agenda – 12:
1. Credit Flow to Scheduled Castes/Scheduled Tribes :
The position of credit flow to SC/STs as on 30/06/2014 is as under:
(Rs. In cr)
Period
June 2014
Outstanding
No. of a/c.
Amount
1742375
8702.44
Disbursement
No. of a/c.
Amount
253399
475.85
Bank wise position as on 30.06.2014 is given in the annexure 20.
Agenda – 13:
1. Credit flow to Women beneficiaries:
26
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
The position of credit flow to women as on 30/06/2014 is as under:
(Rs. In cr)
Period
Outstanding
No. of a/c.
Amount
2393069
17453.59
June 2014
Disbursement
No. of a/c.
Amount
375020
2852.61
Bank wise position as on 30.06.2014 is given in the annexure 21.
Agenda -14:
Position of implementation of Government sponsored schemes during
the financial year 2014-15 –
Government of India schemes:
1. Prime Ministers Employment Generation Programme (PMEGP):
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers to allocate bank-wise targets in consultation with DLCC
and submit the report to SLBC.
(Rs. In lac)
District
KVIC SO
No. of
Projects
Margin
Money
APKVIB
No. of
Projects
Margin
Money
27
DIC Rural
No. of
Margin
Projects
Money
DIC Urban
No. of
Margin
Projects
Money
Total
No. of
Projects
Margin
Money
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Adilabad
Hyderabad
Karimnagar
Khammam
Mahabubnagar
60
0
60
60
60
84.03
0
84.03
84.03
84.03
60
0
60
60
60
84.03
0
84.03
84.03
84.03
40
0
40
40
40
56.02
0
56.02
56.02
56.02
36
40
36
36
36
50.24
58.09
50.24
50.24
50.24
196
40
196
196
196
274.32
58.09
274.32
274.32
274.32
Medak
Nalgonda
Nizamabad
RR Dist
Warangal
Total
60
60
62
62
62
546
84.03
84.03
86.92
86.92
87.13
765.15
60
60
62
62
62
546
84.03
84.03
86.92
86.92
87.13
765.15
40
40
40
42
42
364
56.02
56.02
56.02
58.91
58.91
509.96
36
36
36
36
36
364
50.24
50.24
50.24
50.24
50.24
510.25
196
196
200
202
202
1820
274.32
274.32
280.10
282.99
283.41
2550.51
KVIC is requested to furnish the issues to be placed before the core
committee to workout model project report & standardized processing
template for processing at district level taks force for PMEGP.
KVIC is requested to organise DLTFC in all the districts to identify the
eligible applicants to be covered under the scheme for the year 2014-15.
2. Implementation of Scheme of Interest Subsidy Eligibility Certificate
(SEC) Scheme:
The scheme is the major source of funding for the Khadi programme. This
was introduced in May 1977 to mobilize funds from banking institutions to
fill the gap in the actual fund requirement and its availability from
budgetary sources. Under the scheme, credit at concessional rate of interest
of 4 per cent per annum for capital expenditure as well as working capital is
given as per the requirement of the institutions. The difference between the
lending rate and 4 per cent is paid by the Central Government through KVIC
to the lending bank and funds for this purpose are provided under the
Khadi grant head to KVIC.
3. National Rural Livelihood Mission (NRLM)
SHG-Bank linkage programme – position as on 30/06/2014
The position as SHG-Bank Linkage as on 30/06/2014 is as under:
(Rs. In cr)
Period
Outstanding
No. of a/c.
Amount
28
Disbursement
No. of a/c.
Amount
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
June 2014
63379
1211.15
8137
Overdue / NPA position as on 30/06/2014
Outstanding
S.No.
1
Particulars
NRLM
A/c.
63379
Amt
1211.15
165.63
(Rs. In cr)
Overdues
NPAs
No. of
overdue
A/c.
Total
Balance
in
overdue
a/c.
Actual
overdue
amount
10550
193.12
31.52
No.of
A/c.
3415
Amount
29.06
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
The percentage of outstanding overdue & NPAs to total outstandings is
15.94% and 2.40% respectively.
4. Housing Schemes – RRY:
Rajiv Rinn Yojana (Revised Interest Subsidy Scheme) for housing to Weaker
Sections Launched by the Ministry Housing & Uran Poverty Alleviation, GOI.
Interest Subsidy Scheme for Housing the Urban Poor (ISHUP) was being
implemented by Government of India as a supportive measure for expending
credit flow to housing for the Economically Weaker Sections (EWS) and Low
Income Groups (LIG) upto Sep. 2013.
The Ministry of Housing and Urban Poverty Alleviation (HM&UPA), Govt. Of
India designed a revised Interest Subsidy Scheme – renamed as Rajiv Rinn
Yojana (or Rajiv Loan Scheme), as an additional instrument for addressing
the housing needs of the EWS/ LIG segments in urban areas. The scheme
envisages the provision of a fixed interest subsidy of 5% on interest charged
on the admissible loan amount to EWS and LIG segments to enable them to
buy or construct a new house or for carry out addition to the existing
building.
MH&UPA has already launched the captioned scheme formally
and issued guidelines of the scheme to all banks. All members banks are
requested to send a word of communication for having communicated the
29
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
scheme guidelines to all the branches in Telangana and instructed them to
implement this new scheme in place of ISHUP.
5. Handloom Weavers
The Handloom sector is providing employment to a large number of persons
in the state and the sector needs to be given the required thrust as there is a
good potential.
The position of credit flow to handloom weavers as on 30/06/2014 is as
under:
Period
June 2014
(Rs. In cr)
Outstanding
No. of a/c.
Amount
4511
22.47
Disbursement
No. of a/c.
Amount
142
0.80
Banks are advised to extend finance to the sector and issue of more Weaver
Credit Cards.
6. Credit under DRI:
The position of credit flow under DRI scheme as on 30/06/2014 is as under:
(Rs. In cr)
Period
June 2014
Outstanding
No. of a/c.
Amount
16534
49.90
Disbursement
No. of a/c.
Amount
1891
29.01
(SLBC has not received data from some of the member banks. Hence the
figures are indicative)
Bank wise position as on 30.06.2014 is given in the annexure 22.
All the banks are requested to make all out efforts to identify the eligible
beneficiaries under DRI scheme and to extend finance as per guidelines.
7. Central Sector Scheme of Self Employment Scheme for
Rehabilitation of Manual Scavengers (SRMS) – Revision of the
scheme
30
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Indian Banks’ Association, Mumbai vide their letter no. SB/CIR/SRMS/
GOVT/ 8723 dated 22nd January 2014 along with Ministry of Finance letter
no. 3(2)/2009(VOL-ii)-CP dt. January 2014 communicated the revised
guidelines of the above scheme.
Indian Banks’ Association vide letter no. SB/CIR/SRMS/GOVT/9380 dt.
10th May 2014 directed the State (Combined Andhra Pradesh) that Ministry
of Social Justice and Empowerment has informed that financing is crucial to
rehabilitation and so far banks have been reluctant to provide this
assistance to manual scavengers and their families.
It is advised that the issue regarding earmarking 1% of district level total
sanctioning powers for soft loans to redeemed manual scavengers may be
examined. All banks are requested to be guided accordingly.
8. Small Farmers’ Agri Consortium (SFAC):
SFAC would provide Venture Capital to qualifying projects on the
recommendation of the bank / financial institution financing the project.
This venture capital will be repayable to SFAC after the repayment of term
loan of lending bank / financial institution as per original repayment
schedule or earlier.
SFAC would provide venture capital to agri. Business projects by way of soft
loan to supplement the financial gap worked out by the sanctioning for term
loan under Means of Finance with respect to cost of project subject to the
fulfilment of the following conditions:
The main objectives of the scheme area:
 To facilitate setting up of agri. Business ventures in close association
with all banks / financial institutions notified by the Reserve Bank of
India where the ownership of the Central / State Government is more
than 50% such as Nationalized banks, SBI &its subsidiaries, IDBI,
SIDBI, NABARD, NCDC, NEDFI, Exim Bank, RRBs & Financial
Corporations
31
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
 To catalyze private investment in setting up of agri. Business project
and thereby providing assured market to producers for increasing
rural income and reemployment.
 To strengthen backward linkages of agri. Business projects with
producers.
 To assist farmers, producer groups, and agriculture graduates to
enhance
their
participation
in
value
chain
through
Project
Development Facility.
 To arrange training and visits, etc. of agripreneurs in setting up
identified agri. business projects.
 To augment and strengthen existing set up of State and Central SFAC.
It is observe that the programme is not stabilized in the newly carved
state of Telangana. Dept. of Horticulture should take necessary initiatives
to popularize the scheme in the state.
Agenda - 15:
Position of implementation of Government sponsored schemes during
the financial year 2014-15 – Government of Telangana schemes:
1. SC Corporation:
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
32
No
Amount
(Rs. In lac)
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
1
Mahabubnagar
5242
1965.83
2
Hyderabad
4471
1681.14
3
Khammam
3970
1343.54
4
Ranga Reddy
3810
1535.77
5
Nalgaonda
3701
1527.26
6
Warangal
3659
1346.71
7
Medak
3237
1148.97
8
Nizamabad
3109
1084.38
9
Adilabad
2827
937.83
10
Karimnagar
2283
1083.72
Grand Total
36307
13655.16
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
2. Rajiv Yuva Shakti (RYS) scheme:
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Khammam
375
Amount
(Rs. In lac)
375.00
2
Warangal
475
475.00
3
Adilabad
365
365.00
4
Mahabubnagar
540
540.00
5
Hyderabad
535
535.00
6
Medak
405
405.00
7
Rangareddy
710
710.00
8
Nalgonda
465
465.00
9
Nizamabad
345
345.00
10
Karimnagar
510
510.00
Grand Total
3510
33
No
4725.00
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
3. Telangana Washermen Co.op Society:
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
No
Amount
(Rs. In cr)
10.275
1
Hyderabad
2055
2
Rangareddy
975
4.875
3
Mahabubnagar
1170
5.850
4
Nalgonda
1395
6.975
5
Medak
1080
5.400
6
Nizamabad
735
3.675
7
Adilabad
690
3.450
8
Karimnagar
1920
9.600
9
Warangal
1125
5.625
10
Khammam
960
4.800
Grand Total
12105
60.525
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
4. TS Kummari / Shalivahana co.op Society:
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
150
Amount
(Rs. In cr)
0.76
2
Rangareddy
525
2.62
34
No
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
3
Mahabubnagar
615
3.08
4
Nalgonda
1125
5.62
5
Medak
525
2.62
6
Nizamabad
525
2.62
7
Adilabad
300
1.50
8
Karimnagar
150
0.76
9
Warangal
1200
6.00
10
Khammam
150
0.76
5265
26.34
Grand Total
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
5. Krishna Balija / Poosla co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
375
Amount
(Rs. In cr)
1.87
2
Rangareddy
375
1.88
3
Mahabubnagar
330
1.64
4
Nalgonda
825
4.10
5
Medak
300
1.50
6
Nizamabad
450
2.25
7
Adilabad
450
2.26
8
Karimnagar
375
1.88
9
Warangal
450
2.26
10
Khammam
375
1.88
4305
21.52
Grand Total
No
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
35
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
6. Sagara (Uppara) co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
690
Amount
(Rs. In cr)
3.4500
2
Rangareddy
870
4.3500
3
Mahabubnagar
1350
6.7500
4
Nalgonda
555
2.7750
5
Medak
150
0.7500
6
Nizamabad
90
0.4500
7
Adilabad
105
0.5250
8
Karimnagar
300
1.5000
9
Warangal
585
2.9250
10
Khammam
210
1.0500
4905
25.5260
Grand Total
No
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
7. Viswabrahmin co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
150
Amount
(Rs. In cr)
0.76
2
Rangareddy
300
1.50
36
No
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
3
Mahabubnagar
525
2.62
4
Nalgonda
645
3.22
5
Medak
150
0.76
6
Nizamabad
300
1.50
7
Adilabad
225
1.10
8
Karimnagar
375
1.86
9
Warangal
300
1.50
10
Khammam
150
0.76
3120
15.58
Grand Total
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
8. Weaver Credit Card Scheme:
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
1
S.No.
Name of the District
Warangal
No
2000
2
Khammam
3
Karimnagar
4
Adilabad
5
Medak
6
Nizambad
7
Mahabubnagar
2725
8
Nalgonda
3290
9
Hyderabad
50
10
Rangareddy
50
Grand Total
10050
50
1000
50
1185
100
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
9. Waddera co.op society
37
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
1080
Amount
(Rs. In cr)
5.4000
2
Rangareddy
1500
7.5000
3
Mahabubnagar
345
1.7250
4
Nalgonda
330
1.6500
5
Medak
75
0.3750
6
Nizamabad
90
0.4500
7
Adilabad
30
0.1500
8
Karimnagar
225
1.1250
9
Warangal
210
1.0500
10
Khammam
240
1.2000
4125
20.6250
Grand Total
No
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
10.
TS Valmiki / Boya co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
150
Amount
(Rs. In cr)
0.76
2
Rangareddy
600
3.00
3
Mahabubnagar
1305
6.52
38
No
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
4
Nalgonda
150
0.76
5
Medak
600
3.00
6
Nizamabad
150
0.76
7
Adilabad
300
1.50
8
Karimnagar
450
2.24
9
Warangal
450
2.24
10
Khammam
150
0.76
4305
21.54
Grand Total
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
11.
Medara co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
225
Amount
(Rs. In cr)
1.1250
2
Rangareddy
375
1.8750
3
Mahabubnagar
750
3.7500
4
Nalgonda
150
0.7500
5
Medak
75
0.3750
6
Nizamabad
300
1.5000
7
Adilabad
75
0.3750
8
Karimnagar
525
2.6250
9
Warangal
360
1.8000
10
Khammam
225
1.1250
3060
15.3000
Grand Total
No
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
39
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
12.
Bhattraja co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
1095
Amount
(Rs. In cr)
5.4750
2
Rangareddy
1515
7.5750
3
Mahabubnagar
345
1.7250
4
Nalgonda
333
1.6650
5
Medak
75
0.3750
6
Nizamabad
90
0.4500
7
Adilabad
30
0.1500
8
Karimnagar
225
1.1250
9
Warangal
225
1.1250
10
Khammam
240
1.2000
4173
20.8560
Grand Total
No
The Bank-wise performance will be reviewed in the quarterly meeting for the
quarter ended Sept. 2014.
13.
Nayee Brahmins co.op society
Targets – 2014-15: District wise targets have been sent to respective Lead
District Managers with an advise to allocate bank-wise targets in
consultation with DLCC and submit the report to SLBC.
S.No.
Name of the District
1
Hyderabad
1045
Amount
(Rs. In cr)
5.22
2
Rangareddy
1844
9.22
3
Mahabubnagar
2588
12.94
40
No
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
4
Nalgonda
2017
10.08
5
Medak
1887
9.44
6
Nizamabad
646
3.23
7
Adilabad
1238
6.19
8
Karimnagar
2802
14.01
9
Warangal
2050
10.25
10
Khammam
926
4.63
17044
85.22
Grand Total
The Bank-wise performance will be reviewed in the quarterly meeting for
the quarter ended Sept. 2014.
Overdue / NPAs position under Government sponsored schemes as on
30/06/2014
(Rs. In cr)
Outstanding
S.No
.
1
Particulars
Central
Govt
schemes
A/c.
Amt
Overdues
NPAs
No. of
overdue
A/c.
Total
Balance
in
overdue
a/c.
Actual
overdue
amount
No.of
A/c.
Amount
151599
3115.73
41029
408.12
157.63
23553
131.42
SGSY
59140
1161.79
6463
43.88
32.24
4797
28.01
NRLM
63379
1211.16
10550
193.12
31.52
3412
29.06
SJSRY
8443
391.14
3441
16.61
11.94
2346
8.47
PMRY
27889
698.40
19107
128.12
66.09
12084
54.81
722
22.46
155
2.16
1.18
168
1.62
1776
23.01
10.42
15.20
12.48
712
8.86
3455489
77849.88
1507897
36384.0
7
14898.8
6
39023
8
7092.84
Of which
PMEGP
ISHUP
/RRY
State Govt
sponsored
schemes
(SLBC has not received full data from some of the members banks. Hence
the figures are indicative)
41
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Central Govt. Sponsored schemes: The percentage of balance in overdue
accounts & NPAs to total outstandings is 13.09% and 4.22% respectively.
State Govt. Sponsored schemes: The percentage of balance in overdue
accounts & NPAs to total outstandings is 46.73% and 9.11% respectively.
SGSY schemes: The percentage of balance in overdue accounts & NPAs to
total outstandings is 3.77% and 2.41% respectively.
SJSRY schemes: The percentage of balance in overdue accounts & NPAs to
total outstandings is 4.24% and 2.16% respectively.
PMRY schemes: The percentage of balance in overdue accounts & NPAs to
total outstandings is 18.58% and 7.84% respectively.
PMEGP schemes: The percentage of balance in overdue accounts & NPAs to
total outstandings is 9.62% and 7.23% respectively.
ISHUP/RRY schemes: The percentage of balance in overdue accounts &
NPAs to total outstandings is 66.05% and 38.51% respectively.
Agenda –16:
Financial Inclusion
1. Providing Banking Channels / Services:
a. Providing Banking Services in all villages with above 2000
population – progress as on 30/06/2014:
42
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Banks have completed process of providing Banking services in respect of all
identified villages having population of above 2000. Banks are advised to
ensure that the number of transactions in the FI villages is improved and
the services of BCs are effective.
b. Implementation of FIP in below 2000 population – progress as
on 30/06/2014:
SLBC has submitted the Road Map for 6643 identified villages as advised by
Reserve Bank of India in respect of below 2000 population. As against the
target of 6643 villages to be covered with banking channels 5797 villages
have been provided with banking channels. Out of which banking channels
are deployed through BCAs in 5700 villages and Brick & Morter branches in
53 villages and through other modes in 44 villages.
Quarterly progress report as on 30/06/2014 are enclosed an annexure 44 .
c. Branch Expansion Plan:
All banks are advised to open branches as per the branch expansion plan
approved by their Boards positively.
d. Installation of ATMs:
Government of India has advised all banks including Regional Rural Banks
to establish their ATMs at their branches to enable the customers to draw
the benefits as per their convenience.
Ministry of Finance has advised banks to go for off-site ATMs wherever there
is no possibility of provision of site and other infrastructure readily available
at the branch.
It is also advised that top priority is to be given for
establishment of ATMs in all identified pilot districts under Direct Benefit
Transfer Scheme.
On-site ATM means ATM installed at the branch or within 500 meters
vicinity of the branch and in case of SBI, ATM of any SBI group of banks
located within 500 meters vicinity will be considered as on-site ATM.
43
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
All banks to ensure that Micro ATMs are to be placed in all BC locations
immediately to enable the DBT beneficiaries to draw the benefits.
e. Issurance of Debit Cards:
All banks are advised to issue Debit Cards to all the beneficiaries under
various schemes taken up under Direct Benefit Transfer Scheme to enable
them to draw their benefits at ATMs.
f. National Mission of Financial Inclusion Plan – Pradhan
Mantri Jan-dhan Yojana (PMJDY):
PMJDY Programme was launched by Hon’ble Prime Minister of India on
28.08.2014. The six pillars of the programme along with period of
implementation detailed as under:
Phase I (2014-2015):
 Universal Banking
 Basic Bank account with overdraft facility
 Financial Literacy Programme
Phase II (2015-18):
 Creation of credit Guarantee Fund
 Micro Insurance
 Pension Scheme for unorganised sector
 Universal Access to banking facilities:
44
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Mapping of each district in to Sub Service Area (SSA) catering to 1000-1500
households in such a way that every habitation has access to banking
services within a distance say 5 km by 14th August, 2015.
 Providing Basic Banking Accounts with overdraft facility and
Rupay debit card to all households:
Our effort would be to first cover all uncovered households with banking
facilities by 26th January, 2014 by opening basic bank accounts. Account
holder would be provided a Rupay Debit Card . Facility of overdraft to every
basic banking account holder would be considered after satisfactory
operation/credit history of six months.
Latest position of accounts opened in the state of Telangana as on
31.10.2014 as under:
All banks
Rural
1461951
Urban
1144203
Total
2606154
The report is enclosed as annexure 45
 Financial Literacy Programme:
Financial literacy would be an integral part of the Mission in order to le the
beneficiaries make best use of the financial services being made available to
them.
g. Unbanked Mandal / Mandals in which there is no bank
branch in Mandal Head Quarters:
There is no mandal in the State of Telangana left over without bank branch.
h. Opening of branches in Tribal areas:
There is no request has received for opening of branches in tribal areas of
Telangana State.
2. Credit Plus Activities
45
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
a. Financial Literacy Centre (FLCs)
Reserve Bank of India vide their cir.no. RPCD.FLC.No. 12452/12.01.018/
2011-12 dt. 06/06/2012 advised that all Lead Banks to set up FLCs in all
its LDM offices and the existing FLCC will continue.
Financial Literacy
activity is to be taken up by all rural branches. RBI has already clarified
that the erstwhile FLCCs are also to be terms as FLCs henceforth.
Position in Telangana:
Particulars
Number of FLCC operating in the District Head Quarters
Number of FLCCs operating in Lead District Offices
Number of FLCCs operating in other areas
Total
No. of FLCs
10
10
9
29
Details of FLCs is enclosed as annexure 46.
Financial Literacy activity by rural branches and FLCs:
The Financial Literacy Centres (FLCs) both in districts and LDM offices
opened by banks are meant to take up Financial Literacy activities on a
regular basis.
Reserve Bank of India, Hyderabad vide letter no. RPCD(H)FI&FL/02.03.031/
213-14 DT. 22/07/2014 has advised all banks to scale up the Financial
Literacy activities by the rural branches and FLCs through conduct of
Financial Literacy Camps at least once a month to facilitate financial
inclusion. In this regard, it is advised to follow:
 All FLCs and rural branches should prepare an annual calendar of
locations for conduct of outdoor financial literacy camps.
 At every location, the program should be conducted in three stages to be
spread over a period of three moths comprising three sessions on
minimum two hours each in terms of RBI circular dated 31/01/2013.
46
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
 FLCs and rural branches should inform the Lead District Officer (LDO) of
RBI about organisation of outdoor financial literacy camps well in
advance to enable them to attend some of the camps.
 Quarterly progress reports as at the end of every quarter should be
submitted as per annexure-I for the activities undertaken by FLCs and as
per annexure II for the activities undertaken by the rural branches and
these reports should be submitted to SLBCs by the 10th of the succeeding
month of the end of the quarter for consolidation and onward submission
to RBI.
As per draft guidelines issued by the Department of Financial Services,
Ministry
of
Finance,
Government
of
India,
on
implementation
of
Comprehensive Financial Inclusion Plan, a lot of importance has been
attached to Financial Literacy and banks have been advised to undertake
Financial Literacy campaigns in a big way to prepare the people for financial
planning and availing credit. It is important that the people are made aware
of the advantages of the access to basic financial system, savings, credit,
importance of timely repayments and building up a good credit history. This
has to be achieved by setting up FLCs at the block level and expand the
scope of financial literacy with focus on people availing credit from the
formal financial system and coming out of the exploitation by informal
financial system.
All banks are advised to give suitable instructions to all their rural branches
to take necessary steps in this regard and ensure submission of progress
made to RBI and SLBC.
Report of conduct of financial literacy camps by rural branches for quarter
ended June 2014 is enclosed as annexure 47.
Report of financial literacy activities conducted by FLCs for the quarter
ended June 2014 is enclosed as annexure 47.
47
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Telecom connectivity issues:
All the banks are advised to submit the name of the branches where they
are getting connectivity problems.
After receipt of the same, SLBC has
intimated to Dept. of Telecommunications.
b. Rural Self Employment Training Institutes:
Status of allotment of land to RSETIs
Place of RSETI
Status
Khammam & Karimnagar (SBH)
Land allotment has not been done for
RSETIs sponsored by State Bank of
Hyderabad
at
Khammam
&
Karimnagar. District Administration
of Khammam and Karimnagar to
expedite allotment of sites.
Mahabubnagar (SBI)
RSETI sponsored by State Bank of
India at Mahabubnagar has not been
provided the site. A representation to
this affect was given to the District
Administration for providing a piece
of land near Jadcherla
Siddipet (AB)
Andhra
Bank
has
given
a
representation for approval to open
RSETI at Siddipet in Medak district.
The SLBC has already taken up the
issue with State Administration for
allotment of land to Andhra Bank.
Reimbursement of pending claims of expenditure to Institutes:
Reimbursement of expenditure to RSETIs (Sangareddy & Mahabubnagar) is
pending from 2012-13 onwards. SLBC will take up the issue with SERP,
Telangana for early settlement of claim.
48
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
c. TSLBC Call Centre:
Functioning of TSLBC call centre on behalf of all banks for the purpose of
providing guidance to the Public on Financial Inclusion – opening of bank
accounts and Seeding of Aadhaar numbers.
As per guidelines of Ministry of Finance, a call centre opened in the state of
Telangana as a part of financial inclusion for opening of bank accounts of
households and migrant labour. The call centre will function from 8.00 a.m.
to 8.00 p.m.
The call centre is attending the queries relating to opening of
bank accounts, KYC compliance, seeding of Aadhaar numbers etc.
TOLL FREE NO. 1800 425 1825 & for SMS 9000 222 444
It is advised that state level grievance redressal mechanism is to be
established at state level. SLBC Telangana Call Centre was designated for
receiving the grievances in implementation of PMJDY.
3. Others:
 Geographical Information System (GIS):
The Ministry of Finance informed vide letter dated 23rd October, 2012 that
GIS module of Banking Amenities Data for Financial Inclusion is accessible
to SLBC Conveners/Lead Banks. The GIS Module is for visualisation and
query purposes only and any data to be corrected only through the data
entry module. The data thus modified will be reflected in GIS module on a
periodic basis. All LDMs and Lead Banks are advised to correct data errors,
if any, for which the data is already uploaded and update the data on GIS
module on Monthly intervals since the GoI is proposed to place the GIS
module in public domain once the data entered is verified by SLBC through
LDMs. All LDMs are advised to confirm SLBC that the dta on GIS module is
error free.
49
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda – 17:
Lead Bank Scheme
1. Implementation of High level Committee Recommendations:
SLBC-AP
(for
Combined
State)
has
submitted
progress
report
on
implementation of High Level Committee recommendations in June 2014 to
Reserve Bank of India.
To strengthen Lead Bank scheme it is requested that :
a. Banking facilities are to be provided in all sub Service Areas
mapped.
b. Relocating the branches closed/shifted due to security reasons in
the past to their original places.
c. Opening of branches in unbanked Mandals in the state.
d. Circular instructions were given to extend credit to RSETI trained
candidates Women SHGs promoted by Anchor NGOs in LWE
districts should be assisted with Bank linkage
e. Educational loan target set by Ministry of Finance should be
achieved
f. State Government to ensure conducive law and order situation,
adequate security, un Interrupted Power and water supply and
irrigation facilities wherever required.
2. Conduct of meetings under Lead Bank Scheme:
All LDMs are advised to :
o Conduct DCC meetings as per calendar and communicate schedule
and agenda to RBI & SLBC in advance.
50
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
o Include important subjects of current relevance in the agenda
points for discussion.
o Submit minutes of the meeting to SLBC within a week of
completion.
o Invite all Public Representatives to the meetings well in advance.
o Attendance in JMLBC/DLRC/DCC meetings
o All banks are advised to attend all JMLBC/DLRC/DCC meetings
regularly and ensure 100% attendance in the meetings and
participate in the deliberations.
o LDMs are advised to inform the names of absentees to the
respective controlling authorities and still not responded may be
brought to the notice of SLBC for taking up the matter at
appropriate level.
o Non-participation by the Controllers of Banks and representatives
of Banks in DCC/DLRC meetings were postponed by the district
Collectors. All banks are advised to take corrective steps and
ensure 100% attendance in JMLBC/DCC/DLRC meetings.
3. Modified information system under Lead Bank Scheme :
Strengthening of Management Information System:
In order to main consistency and integrity of data with the all India data of
Scheduled Commercial Banks and meaningful review / analysis of data, RBI
felt that the ACP and FIP data needs to be grouped separately for Scheduled
Commercial Banks and other banks like Sate Co-operative Banks & DCCBs
etc., while presenting in the DCC/SLBC meetings and submitting to their
Regional Offices.
The data of Scheduled Commercial Banks needs to be
further grouped into Public Sector Banks, Private Sector Banks and
Regional Rural Banks to know the bank group wise position.
All the controlling authorities of all banks and Lead District Managers are
advised to submit the data accordingly.
51
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
4. Attendance in JMLBC / DLRC / DCC Meetings:
All banks are advised to attend all JMLBC / DLRC / DCC meetings
regularly and ensure 100% attendance in the meetings and participate in
the deliberations.
LDMs are advised to maintain the attendance of meetings and inform the
absentees to their controlling authorities and still not responded may be
brought to the notice of the SLBC for taking up the matter at the
appropriate level.
5. Information to be submitted Quarterly by Banks/LDMs
All Banks and LDMs are advised to submit the quarterly information to be
submitted to SLBC with 15 days from the end of the respective quarter to
enable the SLBC to consolidate the position and to convene the SLBC
meetings as per schedule. Some banks have not submitted the data pertains
to June, 2014 quarter so far in spite of our follow up. The delay in
submission leads to delay in conducting of SLBC meetings. Hence, all banks
and LDMs are advised to submit the data well in time to adhere to the
meetings schedule of SLBC meetings.
6. Communicating the decisions taken at SLBC level to the branches
by the Controlling Authorities.
All Banks and LDMs are advised to percolate the decisions taken at SLBC
level to their branches to enable them to implement at the field level by the
branches and also place before DCC/DLRC meetings to initiate suitable
action for implementation.
52
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda – 18:
Overdue / NPA position:
1. Overdue / NPAs position as on 30/06/2014 under various sectors
(A/c. in lac & Amt. in cr.)
Sector
Short Term
crop
production
advances
Agri. Term
loans incl.
Agric allied
activities
Agri and
allied-indirect
Total Agri.
Advances
MSE Sector
advances
Others'under
Priority
Sector
Advances
Total Priority
Sector
Advances
Non-Priority
Sector
Advances
Total
advances
Education
Outstanding
No. of
Amout
A/c.
A/c.
Overdue
Total
Actual
balance
overdue
in
amount
overdue
accounts
A/c.
NPAs
Amount
45.36
25481.00
14.48
10008.48
6446.44
2.57
1768.56
9.38
16064.52
2.99
3822.75
2081.56
1.10
1385.43
1.03
8918.31
0.15
1892.21
1171.02
0.08
707.65
55.77
50463.83
17.62
15723.44
9699.02
3.75
3861.64
5.18
30050.41
1.28
8434.31
4304.50
0.80
1956.78
6.13
24588.59
1.54
5302.90
1811.64
0.67
1354.61
67.08
105102.83
20.44
29460.65
15815.16
5.23
7173.03
425.05
213297.36
2.00
43585.25
22488.02
4.92
15918.00
492.13
0.88
318400.19
2422.80
22.44
0.29
73045.90
541.88
38303.18
208.19
10.15
0.11
23091.03
195.35
53
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Loans
Housing
Loans
SHGs
3.12
0.59
16585.29
39.02
0.81
0.02
3860.61
7.61
905.66
1.57
0.31
0.01
629.72
2.37
(The figures are indicative as the data has not received from all the members
banks)
Agenda—19:
Regional Rural Banks
1. Performance of Regional Rural Banks on important parameters
Regional Rural Banks’ main focus of lending is to Agriculture and allied
activities in rural, semi-urban and urban area. Reserve Bank of India,
NABARD and Sponsored Banks are reviewing the performance of RRBS at
regular intervals.
Bank Net work
S.No
Name of the RRB
No. of branches as
on 30.06.2014
1
DGB
303
2
APGVB
474
TOTAL
777
Deposits
(Rs. in cr)
S.No
Name of the RRB
1
DGB
4155.43
4034.93
2
APGVB
4930.00
4811.03
Advances:
31.3.2014
30.06.2014
(Rs.in cr)
S.No
Name of the
RRB
31.3.2014
30.06.2014
1
DGB
3531.10
3476.48
54
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
2
APGVB
5877.00
5904.88
C D Ratio
S.No
Name of the RRB
1
DGB
2
APGVB
31.3.2014
30.06.2014
84.97%
86.16%
119.20%
122.74%
Total Advances
S.No
Name of
the RRB
(Rs.in cr)
Outstanding as on
Total
Agriculture
31.3.2014
30.06.2014
31.03.2014
1
DGB
3531.10
3476.48
2338.66
2
APGVB
5877.00
5904.88
2507.00
Total Agricultural advances
S.No
Name of
the RRB
(Rs. In cr)
Crop loans as on
Term loans
31.3.2014
30.06.2014
31.03.2014
1
DGB
1299.45
1316.85
113.13
2
APGVB
2374.00
2738.69
133.00
55
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Agenda – 20:
Other Items:
1. Inclusion of members in the SLBC meetings
As per the instructions of DFS, MoF, Government of India, the following
members were included as members in SLBC meetings./
 Additional Provident Fund Commissioner / Regional Provident Fund
Commissioner
vide reference no. 2/6/2011-F1(C-69556) dated 25th
August 2014, GoI, MoF, DFS.
 LIC and Public Sector General Insurance Companies (PSGICs) vide
reference F.No.14013/3/2014-Ins-II dated 27th August 2014, GoI,
MoF,DFS
Agenda – 21:
1. Circulars issued by Reserve Bank of India:
i.RBI cir no. RBI/2013-14/653 dt. 24/06/2014 issued guidelines with regard
to Financial Inclusion by Extension of Banking Services –use of Business
Correspondents.
ii.RBI Cir. No. RBI/2014-15/61 dt. 01/07.2014 issued Master Circular on
SHG Bank-linkage programme.
iii.RBI Cir. No. RBI/2014-15/68 dt. 01/07/2014 issued Master Circular on
Housing Finance.
iv.RBI Cir. No. 2014-15/73 dt. 01/07/2014 issued Master Circular on Wilful
Defaulters.
v.RBI Cir. No.RBI/2014-15/82 dt. 01/07/2014 issued Master Circular on
Priority Sector lending
56
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
vi.RBI Cir. No. RBI/2014-15/83 dt. 01/07/2014 issued master Circular on
Credit facilities to Schedule Castes (SCs) & Scheduled Tribes (STs).
vii.RBI Cir. No. RBI/2014-15/84 dt. 01/07/2014 issued master Circular on
guidelines for Relief Measures by Banks in areas affected by natural
calamities.
viii.RBI Cir. No. RBI/2014-15/93 dt. 01/07/2014 issued master Circular on
Micro, Small & Medium Enterprises (MSME) sector.
ix.RBI Cir. No. RBI/2014-15/94 dt. 01/07/2014 issued master Circular on
Lead Bank Schemes.
x.RBI Cir. No. RBI/2014-15/95 dt. 01/07/2014 issued master Circular on
Priority Sector lending targets & classification.
xi.RBI Cir. No. RBI/2014-15/118 dt. 01/07/2014 issued guidelines with
regard to financial Literacy activities conducted by Financial Literacy
Centres and rural branches of banks – monitoring system.
xii.RBI, Hyderabad vide letter no. RPCD(H)/LBS/150/02.02.020/2014-15
dated the 11st August 2014 issued guidelines for reschedulement of crop
loans in Telangana (Adilabad, Medak & RR districts).
xiii.RBI Cir. No. RBI/2014-15/83 dt. 01/07/2014 issued guidelines to
Treatment of accounts opened for Credit of Scholarship amounts under
Government schemes.
2. Circulars issued by NABARD
i. NB.APRO/HYD/CPD/1941/A-14/2014-15
dt.
12/06/2014
issued
circular on Ground level credit targets for agriculture 2014-15
ii. NB.APRO/DOR/2049/Organic Forming/2014-15 dt. 13/06/2014 issued
circular on Capital Subsidy Scheme for Commercial Production of Organic
Inputs under National Project on Organic Farming.
iii. NB.APRO/HYD/DOR/4382/IDSRR/2014-15
dt.
18/09/2014
issued
guidelines on acceptance of Government subsidy claims under Animal
Husbandry Schemes – Poultry Venture Capital (PVCF), Integrated
57
4th Meeting of SLBC State Bank of Hyderabad
SLBC of Telangana
Development
of
Small
Ruminants
Development.
*rk.
58
and
Rabbits
(IDSRR)
and
Pig