135th Meeting of State Level Bankers’
Committee (Punjab)
The 135thmeeting of State Level Bankers’ Committee (Punjab) to review
the performance of banks for the period ended December-2015 will be
held on 26.02.2016 at 10.30 A.M. at Hotel Mount View, Sector
10, Chandigarh. Following issues shall be taken up for discussion in
the meeting:Item No.1
Confirmation of minutes of 134th meeting of State
Level Bankers' Committee (Punjab) held on
04.11.2015.
Last Meeting of SLBC
134th
Held On
04.11.2015
Minutes e-mailed
19.11.2015
/Circulated On
Comments Received
NIL
The House may confirm the emailed/ circulated minutes.
Item No. 2
Pradhan Mantri Jan Dhan Yojana-, Activation of
Rupay Card, Monitoring of Zero Balance Accounts
& Appointment of Bank Mitras.
Punjab State has been declared as Saturated under Pradhan Mantri Jan
Dhan Yojana, the flagship programme of Govt. of India, which
envisages, Accidental Insurance of ` 1 lac, Life Insurance cover of `
30000/-, Issuance of Rupay Debit Card to every account holder. The
bank wise position in appointment of Bank Mitras, opening of accounts,
issuance of Rupay Card and Aadhaar Seeding is given at Annexure 1
{Page No.79} for information of the house.
The house may deliberate.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 1
During the deliberations in the 4th Steering Committee Meeting to SLBC
held on 08.02.2016 it was observed that barring UCO Bank, all other
banks have appointed Bank Mitras in the state. The representative of
UCo Bank apprised the house that the Bank Mitr have been identified for
13 locations and will be activated within a week .Exercise of identifying
Bank Mitras in rest of the 7 places will be completed within 7 days and
shall be activated by the end of February month.
While reviewing the progress of Bank Mitra in the Meeting of State Level
Implementation committee on PMJDY(SLIC) which was held on
15.01.2016, Banks were urged upon for expansion of Bank Mitra beyond
the conventional model to include others like Anganwadi workers, Asha
workers, Grameen Dak Sewa, Chemists and Kiryana stores.
The representative of UCo Bank is requested to apprise the
latest position of appointment of Bank Mitras.
Item No. 2(i)
Holding of Meeting at Branches on
Distribution and Activation of Rupay Debit
Card and on Financial Literacy.
Department of Financial Services, Ministry of Finance, Government of
India, vide communication dated 7th December 2015 have informed that
only 32% of the Rupay cards are active. Activation of Rupay Debit Cards
is necessary to get the insurance claim under the Rupay Card. The
Rupay card needs to be swiped in an ATM or POS machine within 90
days prior to the date of incident resulting in accidental
death/permanent disability. The reasons for some cards not having been
activated have been reviewed by MoF and these may be:-
Agenda papers of 135th Meeting of SLBC-Punjab
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a) Cards lying in bank branches not yet delivered to the
account holders.
b) PINs lying in banks or in Post Offices not yet delivered to
the account holders.
c) Account holders being unaware that even if no money is to
be withdrawn from the account, the card needs to be
swiped every 90 days to keep the insurance cover alive.
This is relevant even in zero balance PMJDY accounts.
In view of the above, Ministry of Finance has advised to organize Rupay
Card distribution meetings at each branch of the bank, from 19.12.2015,
where steps would also be taken to activate the already distributed
Rupay Cards. Convener Bank vide its e-mail dated 09.12.2015 has
advised all the LDMs for organizing these meetings in close coordination
with District Collectors and the district administration who should also be
invited in these meetings. Further Post Masters of the area be also
invited in these meetings as distribution of Rupay Card may be pending
with post offices.
While deliberating on the issue of activation and distribution of Rupay
Cards in the 4th Steering Committee meeting to SLBC held on
08.02.2016, Member Banks were requested to ensure holding of camps
regularly so that the target of activation of 80%of Rupay card set by
Ministry of Finance is achieved by March, 2016.
Member Banks were further requested to create awareness for
activation of Rupay cards among their customers through SMS or other
electronic and print media. The representative of UIDAI requested the
banks to ensure to obtain the Aadhaar card in these camps for
increasing the Aadhaar seeding of the accounts.
Controlling heads of Banks having Lead Bank responsibilities in
the State of Punjab are requested to ensure that camps for
distribution/activation of Rupay Card as desired by MoF are
conducted and review the progress of the same.
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Shri Arun Sharma, Chairman, Punjab Gramin Bank, apprised the house
that though their bank branches are holding the regular camps for
activation of Rupay cards yet the cost of activation of Rupay card of
their bank comes to nearly Rs.20/- as Punjab Gramin Bank has no ATM
and bank has to bear the acquirer charges on ATM of another bank. He
requested that matter for waiver of these charges of banks which has
not installed any ATM be referred to the Ministry of Finance. Shri Ashok
Gupta, Chairman of the meeting stated to refer this matter to Ministry of
Finance through bank board however house approved to refer the
matter to Ministry of Finance after placing the same for approval in the
forthcoming SLBC meeting.
The house may deliberate.
Item No. 3
Launch of Pradhan Mantri Suraksha Bima Yojana
(PMSBY) and Pradhan Mantri Jeevan Jyoti Bima
Yojana (PMJJBY) & Atal Pension Yojana (APY)
As per the announcement in the Budget speech of 2015, two insurance
schemes namely Pradhan Mantri Suraksha Bima Yojana (PMSBY) and
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and a new pension
scheme called Atal Pension Yojana (APY) were launched to move
towards creating a universal social security system for all Indians
especially the poor and the under-privileged.
In PMSBY, any person between the age of 18-70 years can subscribe to
the scheme and the annual premium is ` 12/- per annum whereas in
PMJJBY, any person between the age of 18-50 years can subscribe to
the scheme and annual premium is ` 330/- per annum.
Department of Financial Services, Ministry of Finance, Govt. of India,
vide their letter dated 28.12.2015 have informed that the last date for
enrolment under PMJJBY (without self-certificate of good health)
has further been extended from 30.11.2015 to 31.05.2016.
Agenda papers of 135th Meeting of SLBC-Punjab
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Further, Ministry of Finance has clarified that in PMSBY the last date for
enrolment has also been extended beyond 30.11.2015 and there is no
requirement of any certificate of good health.
Under the Atal Pension Yojna Scheme (APY), depending upon their
contributions, the subscribers, under the age of 40, would receive the
fixed monthly pension of `1000 to ` 5000 at the age of 60 years.
The progress as on 31.12.2015 in respect of all the three schemes is as
per Annexure-2 {Page No.80}.
Member Banks are requested to continue to make all efforts to
create awareness and access under PMJJBY,PMSBY and APY to
bring larger sections of the population within the ambit of
these social security schemes.
Item No. 4
Pradhan Mantri MUDRA Yojana (PMMY)
Micro Units Development and Refinance Agency Ltd (MUDRA) was
launched by Hon’ble Prime Minister on April 8, 2015 as a new financial
entity, for developing and refinancing last mile financial intermediaries
like Banks, NBFCs, MFIs etc., who are in the business of lending to
smaller of the micro enterprises in manufacturing, trading and service
sector.
This priority is essential to enable growth and income generation
amongst the hitherto unfunded or underfunded segments of our
economy. Lending under MUDRA will focus on the unfunded segments
of the Micro enterprises by granting the loans under three categories: Shishu :
Loans up to `. 50000
Agenda papers of 135th Meeting of SLBC-Punjab
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 Kishore :
Loans above `. 50,000 and upto `.5.0 lakh
 Tarun
Loans above `. 5.0 lakh and upto `.10.0 lakh
:
Ministry of Finance has advised all PSBs to classify all the loans
extended to non-farm enterprises in manufacturing, trading and services
up to `.10.00 lakh on or after 8th April 2015 as MUDRA loans under
PMMY.
Ministry of Finance has further advised that the overdraft amount of
`.5000/- sanctioned under PMJDY is also to be classified as MUDRA loan
under PMMY.
Bank wise targets under Shishu, Kishore & Tarun schemes were
allocated by the Ministry of Finance. The bank wise targets vis-à-vis
achievement is as per Annexure-3 {Page No.81}.
During the deliberation in the State Level Implementation Committee on
PMJDY held on 15.01.2016, it was observed that most of the banks have
not yet started distributing MUDRA cards. Banks attributed this to
Vendors who delivered the cards late. The house resolved that
distribution work of MUDRA cards be expedited and ensure issuance of
MUDRA cards to all the eligible borrowers in a time bound manner.
The house may deliberate.
Item No. 4(i)
Convergence of Government Schemes with
Pradhan Mantri MUDRA Yojana (PMMY)
Micro Units Development & Refinance Agency Limited vide their letter
dated 14.01.2016 have informed that Govt. of India and State
Government are extending support for creation of enterprise/livelihood
and imparting training/ skill development through various programmes.
The major programmes being National Rural Livelihood Mission (NRLM)
implemented by Ministry of Rural Development, Self Employment
Agenda papers of 135th Meeting of SLBC-Punjab
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Programme (SEP) component of National Urban Livelihood Mission
(NULM), Start-up village Entrepreneurship Programme (SVEP) a sub
component to (NRLM), training through RSETIs, National Skill
development Corporation (NSDC), accredited training institutions, etc.
With a view to giving a boost to PMMY funding, for micro enterprises,
leading to employment generation Ministry has decided to dovetail the
Yojana with these initiatives.
Letter from Ministry of Rural Development & Ministry of Housing &
Urban Poverty Alleviation for collaboration of these programmes are
attached as per Annexure-4 {Page No.82} for information of the house.
Member banks are requested to advise all the field
functionaries to explore the possibility of converging with the
Government progammes and ensure maximum coverage of
such candidates under PMMY lending.
Item No. 5
Start-up India Programme of Ministry of
Finance.
Hon’ble Prime Minister in his address to the nation on Independence Day
had launched ‘Start up India’ programme which envisages as under:“There are 1.25 lakh branches of banks in the country and every branch
must resolve to disburse loans for start-ups to the tribals in the locality
where there is any tribal habitation, and where there is no tribal
habitation, the branch can provide the loans to a dalit, give financial
support to them, thus 1.25 lakhs dalit entrepreneurs will come up. Let
there be tribal entrepreneurs in the tribal settlement of this country".
Banks may formulate special schemes for this purpose.
In this context, RBI has advised to disburse loans for start-ups to the
tribal/dalit/women entrepreneurs through bank branches in alignment
with and complementary to their existing instructions to increase credit
Agenda papers of 135th Meeting of SLBC-Punjab
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flow to the Micro sector and their Priority Sector Lending guidelines.
Convener Bank has already reiterated the instructions of MOF/RBI to all
the member banks for making advance under these segments.
The position in Start-up India in respect of State of Punjab as on
31.12.2015 is as per Annexure-5 {Page No.83}.
Member Banks are again requested to give more thrust for
making advances to tribal/dalit/women entrepreneurs through
each of their branches.
Item No. 6
‘Stand Up India’ Scheme of Govt. of India.
The "Start up India Stand up India" initiative was announced by the
Prime Minister in his address to the nation on 15th August, 2015. The
Stand up India component is anchored by Department of Financial
Services (DFS) to encourage green field enterprises by SC/ST and
Women entrepreneurs.
The details of the scheme are as follows:
 Focus is on handholding support for both SC/ST and Women
borrowers.
 The overall intent of the approval is to leverage the
institutional credit structure to reach out to these underserved sectors of the population by facilitating bank loans
repayable up to 7 years and between Rs. 10 lakh to Rs. 100
lakh for greenfield enterprises in the non farm sector set up
by such SC, ST and Women borrowers.

The loan under the scheme would be appropriately secured
and backed by a credit guarantee through a credit guarantee
scheme for which Department of Financial Services would be
Agenda papers of 135th Meeting of SLBC-Punjab
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the settler and National Credit Guarantee Trustee Company
Ltd. (NCGTC) would be the operating agency.
 Margin money of the composite loan would be up to 25%.
Convergence with state schemes is expected to reduce the
actual requirement of margin money for a number of
borrowers. Over a period of time, it is proposed that a
credit history of the borrower be built up through Credit
Bureaus.
Handholding of borrowers at the application stage and post disbursal of
the loan is the most critical aspect of the scheme. The Lead District
Manager in each district shall be the nodal point of a network of Stand
Up India Connect Centres. These will comprise of offices of SIDBI and
NABARD along with various other relevant institutions such as RSETIs,
DICs and MSME Development Institutes. These are currently being
mapped by SIDBI. SIDBI is also developing a portal through which
potential borrowers could contact the LDM or directly approach a bank
branch of their choice.
Lead District Managers of each district are requested to
constitute a core team for this scheme, which could link up
with SIDBI to ensure that necessary awareness about the
scheme is raised amongst the stakeholders concerned.
Item No. 7
Mapping of Industrial Training Institutes (ITIs),
Vocational Training Partners (VTPs), Operational
Centres (OCs) – Spread of Financial Literacy.
In order to impart financial literacy to the participants in training
programs under skill development at various Operational and Vocational
Training centres and ITIs operating in the State of Punjab, Ministry of
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Finance has desired that all these centres be mapped with the Financial
Literacy Centres operating in the State. Convener Bank has already
got mapped all the Industrial Training Institutes (ITIs),
Vocational Training Partners (VTPs), Operational Centres (OCs)
with the FLCs and the bank wise list sent to the respective banks.
Member banks having control in these FLCS were requested to ensure to
organize financial literacy meetings in these vocational training
centers/ITIs in coordination with the District Administration where a
significant numbers of people can be covered for financial inputs as
desired by Department of Financial Services, Ministry of Finance as per
process given hereunder:1. Financial Literacy Material (FL Material): Convener Bank has
already shared the translated financial literacy material in the form of
Classroom presentation (PPT), Workbook, Multiple choice Questions and
quiz in the Punjabi language with all the banks in the State. Banks can
also download the FL material from the link: http://pmjdy.gov.in/literacy
or www.slbcpunjab.org.in. Workbook, multiple choice questions and
quiz should be preferably be printed on A4 size paper and flipchart of
3*2” feet size may be used for FL sessions.
2. Mode of Delivery: Wherever there is supporting infrastructure in
the form of laptop, computer, projector etc. classroom presentation
(PPT) in executable format is to be used for delivery of financial literacy
sessions. Flipcharts should be used in case of infrastructure constraints.
3. Mechanism and Test Methodology to be used: Two sessions
each of one and a half hours will be organized on two days to inculcate
the basics of financial literacy in the target audience.
a) Session 1- The first session should be completed up to March
2016 in the first year of the course, being pursued by the students. In
the session knowledge on basis concepts of banking, Mudra, Film on
RuPay card and PMJDY influencer will be imparted using Classroom
presentation/Flipcharts, as applicable. Handouts in the form of
workbook, Multiple Choice Questions, will be provided to the
students. The students will be asked to go through the handouts and
Agenda papers of 135th Meeting of SLBC-Punjab
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come prepared for the quiz to be organized in session 2. Roles will also
be assigned to students for the group activity in session 2.
b) Session 2-This session will be organized at the near end of term
of course with more details on PMMY with a focus on providing credit
facilities to skilled youth to enable them to be self-employed. Apart
from this, knowledge on elementary insurance and social security
schemes will be imparted to students. Films on social security
schemes, part of presentation (exe.) will also be shown. Short Skit
will be conducted by students on the basis of the roles assigned on
day 1. Quiz competition will be held from the question bank of MCQs
already shared with students on day 1.Therafter the session will
conclude with prize/certificate distribution.
4. Reporting Mechanism: As all skilling centres in the States have
been mapped with Financial Literacy centres/ bank branches, banks will
be the nodal point for reporting and updating the progress made in
conducting financial literacy sessions on PMJDY portal under head
financial literacy “MIS”. Where FLCs have been mapped to skilling
centres, FLC manager should report/update the details of FL sessions
conducted from the link bank branch. A link will be provided to banks for
reporting the progress in this regard on the PMJDY portal soon.
Banks please note that Mission Office staff will be visiting
various States to review the state of readiness and obtain
feedback in this regard.
In view of the above banks are requested to apprise their staff of the
process flow to be followed, ensuring printing and distribution of FL
material as per the specifications, for smooth implementation of the
financial literacy initiative.
During the deliberations in the State level monitoring committee of
PMJDY held on 15.01.2016, house was apprised that study material
received from DFS, MOF has been translated in Punjabi and sent to all
LDMs/Banks for undertaking financial Literacy drive in these institutions.
Agenda papers of 135th Meeting of SLBC-Punjab
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The translated material has been placed on the website of SLBC Punjab
also.
Banks were requested to ensure printing and distribution of FL material
as per the specifications, for smooth implementation of the financial
literacy initiative.
The house may deliberate.
Item No.8
Verification Calls by Executives of State Call
Centers to Bank Mitrs/BC Agents
For universal access to banking facility bank mitr have been deployed in
areas allocated to banks by SLBCs. As advised by banks, 2320 bank
mitras/BC agents have been deployed by the banks in the State to
provide various type of banking services to the customer under PMJDY.
Ministry of Finance has conducted a survey and as per feedback
received bank mitr sometimes are not available in the allotted SSAs/
villages. To ascertain/ verify the availability of bank mitr, it has been
decided that executives of call centers will make verification calls to each
Bank Mitr/BC Agent working in their respective States. Convener Bank
has got conducted the verification call to Bank Mitr/BC Agents from the
call centre set up for the purpose. The feedback and the report of the
same is shared with Banks/LDMs for taking remedial action.
During the deliberation in the State Level Implementation Committee on
PMJDY, Shri Parveen Kumar Thind, IAS, Director, Institutional Finance &
Banking also apprised the house that it has been observed sometimes
that BCs are not aware of their duties and they are not available on the
locations. Shri Thind advised the banks to monitor the working of the
Agenda papers of 135th Meeting of SLBC-Punjab
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Bank Mitras closely. Shri Thind also advised that all the prominent
Phone numbers of the district should be with Bank Mitras.
The representative of RBI informed the house that Branch Managers
should visit BC location to check the availability of Bank Mitras and
should also maintain proper record of the visits.
Shri Ashok Gupta, Field General Manager and Convener SLBC, suggested
that all banks should also make telephonic calls to check the
availability/working of Bank Mitras and also visit the BC locations
occassionally.
Controlling Heads of member Banks are requested to ensure
that Bank Mitras/BC Agents are available at the designated
places and ensure meticulous compliance of the decisions taken
in SLIC meeting.
Item No. 8(i) Telephone Connectivity- Issues faced by Banks/
Bank Mitras.
The issue of low connectivity in some of the areas as reported by
LDMs/Banks was taken up by Convener Bank in the meeting with TSPs
of Punjab LSA on regular basis under the Chairmanship of Director-II
TERM Punjab. Out of 93, 92 issues of connectivity have been resolved.
Earlier DOT has instructed M/S BAL & M/S ICL to provide connectivity at
remaining location namely Plah in Pathankot district. Now M/S Idea has
been asked to provide connectivity.
Member Banks are requested to inform the connectivity
problem if any to the Convener bank so that the same can be
taken up with the concerned department for resolution.
Agenda papers of 135th Meeting of SLBC-Punjab
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Item No. 9
Implementation of DBT in Kerosene
Department of Financial Services, Ministry of Finance, Govt. of India,
vide their e-mail dated 28th January,2016 has informed that Ministry of
Petroleum & Natural Gas, as per the decision of Government of India
has decided to implement DBT in Kerosene in 33 districts in 9 States
w.e.f. 1st April, 2016. In the State of Punjab, 3 Districts namely
TarnTarn, Pathankot and Mohali have been identified for implementation
of the DBT in Kerosene.
Convener Bank has already requested the Lead District Managers of
these districts to assist the State Government and District Collectors for
seeding the bank accounts in the database of kerosene beneficiaries for
smooth implementation of DBT scheme on the given date.
Member banks are requested to instruct the branches of their
banks in these 3 districts to seed the bank accounts of kerosene
beneficiaries for smooth implementation of DBT scheme in
these districts.
Item No. 10
District Level Review Committee (DLRC)
Meetings-Guidelines of Reserve Bank of India.
Department of Financial Services, Ministry of Finance, Govt. of India,
vide their letter dated 01.02.2016 reiterated the guidelines of Reserve
bank of India as per Master Circular on Lead bank Scheme No.
FIDD.CO.LBS.BC.No.3/02.01.001/2015-16
dated
01.07.2016
for
conducting of DLRC meeting which inter alia provides that DLRC
meetings should be convened by the lead banks at least once in a
quarter and public representatives i.e. Local MPs/MLAs/Zila Parishad
Chiefs are also invited in these meetings.
Agenda papers of 135th Meeting of SLBC-Punjab
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In a recent meeting of Members of Parliament (MPs) taken by the
Hon’ble Minister of Finance, concerns were expressed by some MPs that
they are not involved in DLRC meetings to the extent required.
Ministry of Finance has desired that Lead Banks should fix the date of
DLRC meetings with due regard to the convenience of the
representatives of the public i.e. MPs/MLAs/Zila Parishad Chiefs etc and
involve them in all functions conducted by the banks in the districts,
such as opening of new branches and distributions of Kisan Credit Cards
etc. as per extant instructions of RBI.
Convener Bank vide its e-mail dated 01.02.2016 has already sent the
above communication of the Ministry of Finance to all the LDMs and also
to controlling head of banks having lead bank responsibilities in the
State of Punjab with a request to ensure meticulous compliance of the
instructions of Ministry of Finance/RBI.
Lead District Managers are requested to ensure meticulous
compliance of the instructions of Ministry of Finance/RBI.
Item No. 11
Pradhan Mantri Fasal Bima Yojana
Agriculture employs nearly half of the employed people in the
country. The security and well being of farmers is thus of prime
importance to the progress of the country. It is with this in mind that the
Pradhan Mantri Fasal Bima Yojana was launched on 13 January 2016.
Highlights of the scheme.
 The Pradhan Mantri Fasal Bima Yojana is premised on a premium
amount of 2 percent for Kharif crops and of 1.5 percent for Rabi
crops. This covers most food crops and oil seed crops cultivated in
Agenda papers of 135th Meeting of SLBC-Punjab
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India. The premium is pegged at 5 percent for commercial or
horticultural crops (including cotton) for one year.
 This means that the farmers shall derive “maximum benefits by
paying minimal premium”. The government has decided to get rid
of the “capping” mechanism that did not allow farmers to derive
legitimate benefits previously.
 This drastic reduction in crop insurance premium is likely to result
in an increase of the Center’s financial load by about 500 percent.
The benefits will, however, be derived by the farmers, the
government said.
 Apart from relief on premium, the farmers shall derive the benefits
of this scheme where assessment of crop losses shall be quick.
Smart phones, remote sensing technology and even drones shall
be used to estimate losses, assess compensation, and settle claims
without much delay.
The representative of Agriculture Department is requested to
apprise the house about the implementation of ‘Fasal Bima
Yojana’ in the State of Punjab.
Item No. 12
Item No. 13
Status report of issues flagged in the 134th
meeting of SLBC held on 04.11.2015 Issues
raised & latest Status
Roadmap-Provision of banking Services in
Villages having Population below 2000
Total 10132 unbanked villages in the above population
segment were allocated to various banks in the state. A monitoring and
review mechanism has been instituted by DCCs to periodically assess
and evaluate the progress made in allotment of villages and achieving
the target indicated in the roadmap including the quality of services
provided by the banking outlets. Banks in the State of Punjab have
covered villages upto 31.12.2015. The progress is as per Anneuxre-6
{Page No.84-85}.
Agenda papers of 135th Meeting of SLBC-Punjab
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House may discuss.
Item No.13(i) Roadmap for opening brick and mortar
branches in villages with population more than
5000 without a bank branch of a scheduled
commercial bank.
Reserve Bank of India, vide their letter No. FIDD.CO.LBS.BC.
No.82/02.01.001/2015-16 dated 30.12.2015 has informed that coverage
of banking services in unbanked villages is skewed towards the BC
model and the ratio of branches to BC is very low. For increasing
banking penetration and financial inclusion, brick and mortar branches
are an integral component. Therefore, RBI has decided to focus on
villages with population above 5000 without a bank branch of a
scheduled commercial bank.
Accordingly, RBI has advised to identify villages with population above
5000 without a bank branch of a scheduled commercial bank in the
State. Convener bank has requested all the Lead District Managers to
identify villages with population above 5000 without a bank branch of a
scheduled commercial bank.
The district wise list of the villages with population above 5000 without a
bank branch of a scheduled commercial bank was sent to the controlling
heads of member banks with a request to inform the centers where their
bank has plan to open the branch under the annual plan of the bank.
The list of the identified centers where the banks plan to open branches
in is attached as per Annexure-7 {Page No.86}.
Controlling Heads of member banks are requested to ensure
opening of branches as per Road Map.
Agenda papers of 135th Meeting of SLBC-Punjab
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Item No. 14 Issues of Unique Identification Authority of India
(UIDAI)
A. District Wise Aadhaar Saturation (Status as on 29th
Jan’2016)
As per 2011 census the Aadhaar saturation is 100.43 %.
Estimated
Population
District Name
as on
2015)
Ludhiana
3689068
Jalandhar
2307600
SBS Nagar
649799
Rupnagar
722766
Fatehgarh Sahib
634412
Faridkot
653656
Hoshiarpur
1674091
Sri Muktsar Sahib
954771
Moga
1049526
Kapurthala
864832
Gurdaspur &
Pathankot
2430894
Patiala
2001432
Barnala
630689
Mansa
813154
Sangrur
1749837
Amritsar
2634569
Ferozepur &
Fazilka
2146114
Bathinda
1468971
Tarn Taran
1184678
SAS Nagar
(Mohali)
1043029
Agenda papers of 135th Meeting of SLBC-Punjab
Aadhaar
Generation till
29th Jan'16
Aadhaar
Saturation %
(As per 2015)
3879815
2267199
634602
705280
604087
619382
1580838
901414
989596
813315
105.17%
98.25%
97.66%
97.58%
95.22%
94.76%
94.43%
94.41%
94.29%
94.04%
2278003
1871027
589094
755844
1624506
2424448
93.71%
93.48%
93.40%
92.95%
92.84%
92.02%
1964603
1342222
1080026
91.54%
91.37%
91.17%
900515
86.34%
Page 18
Grand Total
29303888
27825816
94.96%
* As per PRAGATI review Aadhaar Saturation will be taken as per estimated
population of 2015.
**As per 2015 population the Aadhaar generation is 94.96 %. The pending
population is mostly in the age group 0-5 years( 14 lac) and 5-18 years( 8 lac).
B. MGNREGA
In state of Punjab, Aadhaar seeding in respect of active MGNREGA
workers is 99.32%, which is highest in the country. However total
number of workers converted into Aadhaar based payments is 68
%. It is observed that still approx. large number of cases are
pending for Bank seeding. (Status as on 1st Feb’ 2016):
District Name
AMRITSAR
BARNALA
BHATINDA
FARIDKOT
FATEHGARH
SAHIB
Fazilka
FEROZEPUR
GURDASPUR
HOSHIARPUR
JALANDHAR
KAPURTHALA
LUDHIANA
MANSA
MOGA
Total No. of
Workers
Pending
%
Converted
to be
Aadhaar
into
converted
No.
Aadhaar
into APB
Based
Payment
Total
workers
Total No. of
Aadhaar
Seeded
15689
24187
56296
36905
15676
24138
56074
36901
99.92%
99.80%
99.61%
99.99%
8280
17827
40639
27952
7396
6311
15435
8949
32462
67971
30110
16562
42358
13508
18846
47671
53131
49346
32386
67532
28950
16500
42244
13461
18807
47496
52767
49294
99.77%
99.35%
96.15%
99.63%
99.73%
99.65%
99.79%
99.63%
99.31%
99.89%
24548
47152
18467
10921
32597
8723
12097
33392
37808
29901
7838
20380
10483
5579
9647
4738
6710
14104
14959
19393
Agenda papers of 135th Meeting of SLBC-Punjab
Page 19
MUKATSAR
NAWANSHAHR
Pathankot
PATIALA
ROPAR
SANGRUR
SAS NAGAR
TARN TARAN
Total
59402
14264
8881
60934
13015
47263
10543
20405
739749
58560
14262
8795
60121
12962
47054
10455
20271
734706
98.58%
99.99%
99.03%
98.67%
99.59%
99.56%
99.17%
99.34%
99.32%
31878
10773
5876
46426
9067
30880
5703
9799
500706
26682
3489
2919
13695
3895
16174
4752
10472
234000
* Bank wise pending data will be shared with SLBC/ Respective Banks,
once it is received from Ministry of Rural Development. All bankers are
requested to get the same seeded at the earliest.
DBTL Scheme
The modified DBTL scheme has been successfully launched in all the 22
Districts of Punjab. At present Aadhaar seeding in LPG database is 88.14
% & in Bank database (ATC) is 80.77 %. So still there are more than 7
% customers which needs to be converted to ATC. Banks may take
immediate necessary action in coordination with OMCs to seed Aadhaar
in the bank accounts.
District wise Status, as on 1st February 2016, is as under:No. of LPG
Consumers
LPG Aadhaar
Seeding
% LPG
Aadhaar
Seeding
Bank Aadhaar
Seeding (ATC)
% Bank
Aadhaar
Seeding (ATC)
Faridkot
124987
121159
96.94%
115227
92.19%
Barnala
110399
106134
96.14%
101109
91.59%
Jalandhar
507768
470727
92.71%
451983
89.01%
Nawanshahr
117538
108748
92.52%
105088
89.41%
Fatehgarh
Sahib
115802
106783
92.21%
101824
87.93%
Tarn Taran
180043
163691
90.92%
147531
81.94%
District
Agenda papers of 135th Meeting of SLBC-Punjab
Page 20
Firozpur
168901
153472
90.87%
137103
81.17%
Mansa
138440
125107
90.37%
108457
78.34%
Sangrur
341407
308472
90.35%
270263
79.16%
Gurdaspur
325829
292737
89.84%
268729
82.48%
Ludhiana
970685
867926
89.41%
807118
83.15%
Kapurthala
220176
193979
88.10%
180678
82.06%
Fazilka
207010
182242
88.04%
159238
76.92%
Muktsar
178180
154693
86.82%
143358
80.46%
Bathinda
292147
253126
86.64%
231638
79.29%
Patiala
423249
364869
86.21%
328061
77.51%
Moga
202166
174106
86.12%
153761
76.06%
Pathankot
146124
125196
85.68%
112145
76.75%
Rupnagar
144310
123399
85.51%
106749
73.97%
Amritsar
518378
435513
84.01%
402174
77.58%
Hoshiarpur
344993
285121
82.65%
261407
75.77%
S.A.S Nagar
293675
234618
79.89%
210660
71.73%
6072207
5351818
88.14%
4904301
80.77%
Total
The representative of UIDAI is requested to deliberate and
apprise the house the expectations and concerns of UIDAI.
Item No. 15 Progress Report of Financial Literacy Centres (FLCs)
The consolidated performance of the FLCs up to Dec.-2015 is as per
Annexure-8 & 8(i-ii) {Page No.87-99}.
Observations
 593 Financial Literacy Camps have been organized in which
44846 persons participated.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 21
 Out of 44846 persons participated in the camps, 36091 persons
were already having bank accounts and 4248 persons opened
the accounts after attending the camp.
 In 2899 rural branches, 1332 rural branches have conducted
2900 FLCs camps as per RBI guidelines. 83979 persons
participated in these camps.64967 persons were already having
bank accounts and 13893 persons opened the account after
attending the camp.
The House may review the performance of FLCs.
Item No.15(i) Opening of Financial Literacy Centres (FLCs) at
block level.
The third important pillar focuses on preparing the people for financial
planning and availment of credit. Ministry of Finance has observed from
the experience of micro finance firms as well as Self Help Groups that
before availing credit, people need to be made aware of the advantages
of access to formal financial system, savings, credit, importance of
timely repayments and building up a good credit history. Financial
Literacy Centres have so far been set up at Urban/Semi-urban areas.
The present plan of Ministry of Finance is to expand the FLCCs to the
block level.
During the deliberation in the 134th meeting of SLBC held on
14.11.2015, it was resolved that all the banks ensure to open the FLCs
at the centers allocated to them by 31st December 2015.
In the State of Punjab, 75 FLCs are functioning at block level as on
31.12.2015 against the target of 143. The bank wise position in opening
of FLCs at block level is attached at Annexure-8(iii) {Page No.100-101}.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 22
The house may deliberate.
Item No.15(ii) Financial Literacy Centres-Revised guidelines
of Reserve Bank of India.
Reserve
Bank
of
India
vide
their
circular
letter
no.
FIDD.FLC.BC.No.18/12.01.018/2015-16 dated January 14, 2016 has
revised guidelines to align with the current financial landscape. Convener
Bank has already circulated the revised guidelines amongst all the
Member banks/LDMs vide its email dated 22.01.2016. Copy of the
revised guidelines and the reporting formats as per Annex lll-Part A, Part
B, & Part C, are attached as per Annexure-9 {Page No.102} for
information of the house.
Controlling head of banks are requested to go through the
revised guidelines for FLC of Reserve Bank of India and ensure
meticulous compliance of the same. Further member banks are
requested to instruct the FLC counselors under their control for
submission of quarterly information to respective LDM on
Annex lll-Part A, Part B, & Part C within 10 days from the close
of the quarter.
Item No.16
Setting up of Rural Self Employment Training
Institutes (RSETIs)
19 RSETIs are operating in the State of Punjab which includes RSETIs at
Dhudi Ke (District Moga) sponsored by PNB and Tappa Mandi in District
Barnala sponsored by Canara Bank. Allotment of land is pending at
Hoshiarpur, SBS Nagar, Tarn Tarn, Jalandhar & Pathankot
RSETIs are not operating at Fazilka, Pathankot, Tarn Taran,
Gurdaspur & SBS Nagar.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 23
(Performance of the RSETIs functioning in the State up to Dec-2015 &
status of land allotment is given on Annexure-10 & 10(i). {Page
No.103-105}
From the data on progress of RSETIs up to Dec.-2015, it has been
observed that: 1677 training programmes of skill development were
organized wherein 44803 trainees participated.
 6309 trainees were financed by the banks to start their
Enterprises and 15323 trainees set up their enterprises
through owned funds.
 Out of total 44803 trainees, 28852 were from SC/ST
category, 5901 from OBC, 479 from minority and 9571 were
from other categories.
 34087 Women and 220 Handicapped persons were also
provided training for self-employment.
During the deliberations in the 4th steering committee meeting of SLBC
held on 08.02.2016, the representative of industries department
apprised the house of difficulties being faced for getting the beneficiaries
trained in the cases where loans has been sanctioned. After detailed
deliberations it was decided that a meeting be convened between
Industries Department and State Project Director of RSETI for chalking
out the strategies for imparting training to the applicants.
Shri S K Sharma, State Project Coordinator, requested the representative
of department of Rural Development for release of funds for
reimbursement of training expenses at the earliest and requested the
member banks for credit linkage of trainees of RSETIs sponsored
programmes. Shri Sharma also requested the representative of rural
development for providing land at all the districts immediately.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 24
The representative of Department of Rural Development may
apprise the house of the latest developments in the matter of
allocation of land in the remaining Districts and other matters.
Item No.17
Guidance on the orders received from Police
Authorities.
Deputy Commissioner of Police, Jalandhar has issued orders in Jalandhar
District which interalia states that:
1. No financial institution shall open a new branch or ATM without
obtaining NOC from the Police Department.
2. The existing branches and ATMs should be provided with Guards,
round the clock for their smooth operation, otherwise they will not
be allowed to operate.
During the deliberations in the State level Coordination Committee
meeting on NBFC held on 07.01.2016 under the Chairmanship of Chief
Secretary Govt. of Punjab, it was observed in the meeting that such
orders were not in public/business interest. It was decided that the
Additional Chief Secretary (Home) shall take up the matter immediately
with DGP for necessary action and convey the decision to the SLBC
convener.
The representative of DIF&B is requested to apprise the house
latest in the matter.
Item No. 18
Reimbursement of Excess pension paid to the
dependents of deceased pensioners - Pending
issue of Sub-Committee meeting.
The issue of DA paid by banks to family pensioners (whose ward got
employment on compassionate ground) and deducted by treasury office
out of reimbursement claims lodged by the bank is under consideration
Agenda papers of 135th Meeting of SLBC-Punjab
Page 25
of the Finance Department Govt. of Punjab and the matter for
resolving the issue is pending since long.
In this context, Convener Bank has received reply from District Treasury
officer, Ludhiana, which states that “as per clause 4.1 of the scheme for
payment of pension to the Punjab Govt. pensioner through Public Sector
Banks introduced by the Govt. of Punjab, Department of finance vide its
no. 473-OSD(F-77/15357) dated 13/06/77, the public sector banks have
indemnified the State Govt. against any wrong payment or excess
payment made to the pensioners in violation to Govt. Instructions.”
Further it has been mentioned that bank has made wrong payment of
dearness allowance to the family pensioners whose wards got
employment on compassionate grounds, in violation to Punjab govt.
Instruction dated 14/05.2001, and hence bank is responsible for the
wrong payment not the State Govt.
Since in the present case the payment of Dearness Allowance to the
family of pensioners whose wards got employment on compassionate
grounds has been made on account of non receipt of information from
the State Govt. regarding employment of the wards, so banks may not
be considered as responsible for wrong payment and the issue be
reconsidered on merit basis accordingly.
Department of Treasury/ Institution Finance & Banking is again
requested to reconsider the decision taken in the matter.
Item No. 19
Issues of Regional Coordination Committee
meeting of NABARD
A special meeting of the Regional Coordination Committee (RCC) for
Govt. Sponsored Schemes was held at NABARD in which following action
point emerged:
Agenda papers of 135th Meeting of SLBC-Punjab
Page 26
 Subsidy in some cases is not kept in Subsidy Reserve Fund
account and the same is being kept in the form of fixed deposit
against the guidelines.
 Advance subsidy amount in cases which were rejected by NABARD
be returned to NABARD.
 Banks to submit the utilization certificate immediately to NABARD
in the cases where final subsidy has been released.
Member Banks are requested to note the above observations of
NABARD and ensure to reiterate the instructions of NABARD on
the above matters to the field functionaries advising them for
meticulous compliance of the instructions/guidelines of
NABARD.
Item No. 20
Measures to computerize Land Records by
State Government.
The project launched by Revenue Department of State Government for
computerization of land records, envisages for opening of Fard Kendra
at each Tehsil and Sub-Tehsil level. Revenue Record like Jamabandi,
Mutations, Rapats Roznamchas etc. of all the villages of
particularTehsil/Sub Tehsil will be fed into the computer. As of now, 164
out of 167 Fard Kendras have been operationalized and record of about
12,480 villages has been computerized. Copy of Record of Rights is
being issued from the operationalized Fard Kendras on the spot.
Further the Department has planned to put the land records on internet
so that people are able to view their Jamabandis etc. sitting at home
only. The data of live Fard Kendras of all the Districts has been put on
the web. A provision has been made to point out the errors in the Land
Records through web.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 27
The representative of Deptt. of Land Record/Revenue is
requested to apprise the house the latest in the matter.
Item No. 20(i) Alteration/deletion in Revenue record.
During the deliberations in the 134th meeting of SLBC held on 04.11.2015,
the representative of Axis Bank and Canara banks have apprised the house
that the charge created in the revenue record was altered/deleted while
computerizing revenue record.
Convener Bank vide its letter dated 10.12.2015 has sent the detail of the
accounts where there is alterations in revenue record to Department of
IF&B and has requested to take up the matter with the revenue
department for resolving the issue. Department of IF&B vide their letter
dated 27.01.2016 has sent the details to FC (Revenue), Govt. of Punjab for
resolving the issue.
During the deliberations in the 4th Steering Committee meeting to SLBC
held on 08.02.2016, the representative of Bank of Baroda informed the
house that there are alterations in the revenue record after marking of lien
by the department. He was requested to provide the detail of such cases to
the Convener bank enabling to take up the matter with the concerned
department.
The representative of Revenue department/ DIF&B is requested
to apprise us the latest position in the matter.
Item No.21
Progress under Debt Swap Scheme.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 28
At least 3% of disbursement of agriculture credit during the year is to
be earmarked for giving loans under “Debt Swap Scheme”.
The progress achieved up to Dec-2015 is as follows:Target for Debt
Swap (on the
basis of 3% of
Agriculture)
Public Sector Banks
Pvt.Sector Banks
RRBs
Coop. Bank
Total
114218
23806
11737
55037
204798
Achievement
Under
Debt Swap
2014-15
up to Dec-2015
29007
4561
8140
19414
61122
(Amount `in Lakh)
%age
Achievement
25
19
69
35
30
(Bank wise progress is as per Annexure-11{Page -106)
The Controlling Heads of Banks are requested to advise their
field functionaries to lend liberally under the scheme to enable
the farmers to come out of clutches of money lenders.
The House may deliberate.
Item No. 22
Review of Performance of Banks (excluding Coop.
Banks) in key areas relating to Deposits, Advances &
Priority Sector Advances.
The comparative position of key banking parameters is given below:(Amount ` in crore)
Parameter
As At
Dec.
2013
Branches
Agg. Dep.
Advances
PS Adv.
Agri. Adv.
Adv. to MSE
Dec.
2014
Variation
Dec.
2015
5119
5623
5981
222081 254180 288357
177911 195014 218201
90794 102996 123192
43235
49303
64010
38655
45271
47913
Agenda papers of 135th Meeting of SLBC-Punjab
Dec. 2014/
Dec. 2015/
Dec. 2013
Dec. 2014
Absolute %age Absolute %age
504
9.84
358
6.36
32099 14.45
34177 13.44
17103
9.61
23187 11.88
12202 13.43
20196 19.60
6068 14.03
14707 29.82
6616 17.11
2642
5.83
Page 29
Weaker
28554
33276
35720
4722 16.53
2444
7.34
Sector Adv.
(Bank-wise position as at Dec.2015 is given in Annexure-12 & 12(i-iii)
{Page No.107-110}
Item No.22.(i)
Branch Expansion
358 new branches of Commercial Banks were opened in the State during
the period from 1st January 2015 to 31st December 2015, thus raising the
network of branches from 5623 as at 1st January 2015 to 5981 as at 31st
December 2015. Area wise analysis is summarized below:Number
of
Branches
Rural
Semi
Urban
Urban
Total
As At
Dec.
2013
Dec.
2014
Variation
Dec.
2015
Dec. 2014/
Dec. 2013
Dec. 2015/
Dec. 2014
Absolute
2124
1586
2400
1718
2569
1799
276
132
Absolute
169
81
1409
5119
1505
5623
1613
5981
96
521
108
358
Observations
 During the review period, increase in number of branches in rural
areas of Punjab was of the order of 169.
 This is followed by Semi-urban areas, which registered an increase
of branches to the tune of 81.
 Increase in number of branches in urban areas was 108.
This is for information of the House.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 30
Item No. 22.(ii)
Deposit Growth.
The aggregate deposits of the Banks in Punjab increased by
`34177crore, from ` 254180 crore as at December 2014 to ` 288357
crore as at December 2015, thus posting a growth of 13.44% as against
an increase of 14.45% during the corresponding period last year.
(Amount `. in Crore)
Aggregate
Deposits
As At
Variation
Dec.
Dec.
Dec.
Dec.2014 /
Dec.2015 /
2013
2014
2015
Dec.2013
Dec.2014
Absolute
%age
Absolute
%age
Rural
49242
58537
67640
9295
18.87
9103
15.55
Semi Urban
81993
89297
89237
7304
8.90
-60
-0.06
Urban
90846
106346
131480
15500
17.06
25134
23.63
222081
254180
288357
32099
14.45
34177
13.44
Total
Observations
 During the review period, the deposits in urban areas have
increased by 23.63% , semi urban area have declined marginally
by 0.06% and the same has increased by 15.55% in rural areas.
This is for information of the House.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 31
Item No. 22(iii)
Credit Expansion
Gross credit in the State increased by ` 23187 crore, from ` 195014 crore
as at December 2014 to ` 218201 crore as at December 2015, thus
exhibiting a growth of 11.88 % as against 9.61% during the same
period last year.
Area wise analysis is summarized below:(Amount `. in Crore)
Total Advances
As At
Variation
Dec.
Dec.
Dec.
Dec. 2014 /
Dec. 2015 /
2013
2014
2015
Dec. 2013
Dec. 2014
Absolute
%age
Absolute
%age
Rural
32834
36222
34373
3388
10.31
-1849
-5.10
Semi Urban
52579
57577
61598
4998
9.50
4021
6.98
Urban
92498
101215
122230
8717
9.42
21015
20.76
177911
195014
218201
17103
9.61
23187
11.88
Total
Observations
 During the review period, the growth in outstanding advances in
urban areas was 20.76% whereas in rural areas it was 6.98% & in
the semi urban areas the same has been declined by 5.10%
respectively.
This is for information of the House.
Item No.22.(iv) Credit Deposit Ratio – Implementation of the
Agenda papers of 135th Meeting of SLBC-Punjab
Page 32
Recommendations of Expert Group on CD Ratio
As per the recommendations of an Expert Group constituted by GOI
under the Chairmanship of Shri Y. S. P. Thorat, a Special Sub-Committee
(SSC) of District Level Consultative Committee (DLCC) was to be
constituted in districts with CD Ratio of less than 40%, for drawing up
“Monitorable Action Plans” (MAPs) to increase the CD Ratio on a
self set graduated basis. Concerned LDM of the district is the convener
of SSC with DCO, DDM, NABARD, LDO, RBI and District Planning Officer
as its members.
CD Ratio of 4 districts i.e. Hoshiarpur, Jalandhar, Kapurthala and
Nawanshahr as at September 2005 was below 40% and Special Sub
Committees (SSCs) of District Level Consultative Committee (DLCC)
were constituted in these districts. Lead District Managers of all these
four districts have convened the Special Sub-Committee meeting and
have submitted the revised road map for achieving the level of 60% as
under:District
Jalandhar
Date of
Meeting
29.06.2015
Kapurthala
22.07.2015
Nawanshahar
22.07.2015
Agenda papers of 135th Meeting of SLBC-Punjab
Monitorable Action Plan











40% by 31.03.2016
50% by 31.03.2017
60% by 31.03.2018
38% by 31.03.2016
44% by 31.03.2017
50% by 31.03.2018
56% by 31.03.2019
60% by 31.03.2020
45% by 30.09.2015
52% by 31.12.2015
60% by 31.03.2016
Page 33
Hoshiarpur
30.06.2015






35% by 31.03.2016
40% by 31.03.2017
45% by 31.03.2018
50% by 31.03.2019
55% by 31.03.2020
60% by 31.03.2021
The comparative position of Monitorable Action Plan and CD Ratio (net
of NRI deposits) as at December 14 & December 15 of these four
districts is given below:District
CD Ratio
(%) as at
March 09/
March 10
as per MAP
CD Ratio
%
(including
NRI
Deposits)
as at Dec.
14
CD Ratio
%
(including
NRI
Deposits)
as at
Dec.15
Growth
Dec15/
Dec14
(PPs)
CD
Ratio %
(Net of
NRI
Deposit
s)
as at
Dec 14
CD Ratio
%
(Net of
NRI
Deposits)
as at Dec
15
Growth
Dec15/
Dec 14
(PPs)
Jalandhar
60
(Mar.15)
31.00
32.00
+1.00
40.00
41.00
+1.00
Kapurthala
60
(Mar.15)
34.95
32.81
-2.14
37.58
42.52
+4.94
Nawanshahr
60
(Mar.15)
60
(Mar.15)
35.82
35.98
+0.16
45.97
47.00
+1.03
30.11
30.47
+0.36
54.84
54.88
+0.04
Hoshiarpur
Observations:

The CD Ratio (including NRI deposits) has increased in district
Jalandhar, Nawanshahr & Hoshiarpur. CD Ratio has decreased in
Kapurthala. The CD ratio net of NRI deposits increased in all the
four districts.
The concerned LDMs are requested to continue to review the CD
Ratio in the meetings of Special Sub Committee of DCC.
The House may review the CD Ratio vis-a-vis MAP to improve
CD Ratio of these identified districts.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 34
Item No. 22 iv (i)
Overall CD Ratio
While calculating the overall CD ratio, all the member banks are
requested to adhere to the instructions of Reserve Bank of India
contained in their circular No. RPCDLDS.BC No.47/02.13.03/2005-06
dated 09.11.2005 which inter alia states that the CD ratio to be
calculated with credit at the place of utilization.
The comparative position of overall CD Ratio of Commercial Banks is as
below:Period
CD Ratio %
Variation
December 2013
81.19
December 2014
77.81
-3.38
December 2015
76.38
-1.43
(Bank wise CD Ratio as at Dec. 15 is as per Annexure-13 {Page 111}
(District wise CD Ratio as at Dec. 15 is as per Annexure-13(i) {Page 112}.
Observations:During the period under review overall CD Ratio of Commercial Banks
for the State of Punjab witnessed decrease of 1.43 PPs from 77.81% as
at Dec.-2014 to 76.38% as at Dec. -2015.
The House may review the overall CD Ratio.
Item No. 22 iv (ii)
CD Ratio - Rural Areas
(Amount `. in crore)
Agenda papers of 135th Meeting of SLBC-Punjab
Page 35
Period
Rural
Deposit
Advances
Variation
CD Ratio %
PPs
Dec. 2013
49242
32834
66.67
Dec. 2014
65267
43729
67.00
0.33
Dec. 2015
74880
48744
65.09
-1.91
Observations
During the review period, the CD Ratio of Rural areas has decreased by
1.91 PPs from 67.00% as at December -14 to 65.09% as at December 15. However in September 2015 the CD ratio was 64.23 and there is
increase of 0.86 PPs from Sept.2015.
This is for information of the House.
Item No. 22 iv (iii)
CD Ratio - Semi Urban Areas
(Amount `. in crore)
Period
Semi Urban
Variation
CD Ratio %
PPs
61196
65.69
1.57
65629
69.97
4.28
Deposit
Advances
Dec. 2013
81993
52579
Dec.2014
93154
Dec.2015
93790
Observations
Agenda papers of 135th Meeting of SLBC-Punjab
Page 36
During the review period, the CD Ratio of Semi Urban areas has
increased by 4.28 PPs from 65.69% as at December 2014 to 69.97%
as at December 2015.
This is for information of the House.
Item No.22 iv (iv)
CD Ratio - Urban Areas
The comparative position of CD Ratio of urban areas in Punjab is as
follows:(Amount ` in crore)
Period
Urban
Variation
PPs
Deposit
Advances
CD Ratio%
Dec. 2013
90846
84350
100.17
Dec. 2014
108041
102398
94.77
-5.40
Dec. 2015
133219
116210
87.23
-7.54
Observations:
During the review period, the CD Ratio of Urban areas has decreased by
-7.54 PPs from 94.77% as at December 2014 to 87.23 % as at
December 2015. However in September 2015 the CD ratio was 87.31
and there is marginal decline of 0.08 PPs from Sept.2015.
This is for information of the House.
Item No. 22 iv (v)
CD Ratio on the basis of credit as per
Agenda papers of 135th Meeting of SLBC-Punjab
Page 37
utilization and Resource support under
Rural Infrastructure Development Fund of
NABARD
NABARD has provided resource support of ` 2248.97 crore up to Dec.
2015 to Punjab Government under RIDF for development of
infrastructure. When this amount of RIDF is added to the credit provided
by banks and the CD Ratio is calculated on the basis of Credit Utilization
(Cu) + RIDF, the same works out to 76.45%.
Item No. 22 iv (vi)
Credit plus Investment to Deposit Ratio
Investments made in the State Govt. bonds by the banks to the tune of `
2835.01 crore when added to the credit provided by banking system in
the State and the flow of credit has gone up to ` 221036 crore. For the
period ended Dec.-2015 the “Credit plus Investment to Deposit
Ratio” is as follows:-
(Amount ` in crore)
Deposits
288357
Advances plus investments in State (C+I)/D
Government Bonds
Ratio
221036
76.65
(Detail of investment in securities & Bonds as per Annexure-14) {Page 113}
Item No. 22 iv (vii)
CD Ratio of Financial System
Agenda papers of 135th Meeting of SLBC-Punjab
Page 38
The CD Ratio of Financial System after inclusion of Deposits &
Advances of the Cooperative Banks, Punjab Agriculture Land
Development Banks and Financial Institutions comes to 75.67% as per
detail given as under:(Amount ` in crore)
S.No. Particulars
Deposits Advances CD
Ratio
1
Commercial Banks/RRBs. 288357
218201
75.67
2
Including
Cooperative 301888
230583
76.38
Banks
3
Including Punjab Agri. 301888 232902
77.14
Dev. Banks*
4
Including
Financial 301888 233166
77.23
Institutions**
*Advances PADB (`2319.60) **Financial Institutions PFC (`106.22crore), PSIDC (`158.00 Crore).
CD Ratio of Financial System as at Dec.-2015 is 75.67%.
This is for information of the House.
Item No. 22 (v)
Priority Sector Advances
During the period under review, Priority Sector Advances in Punjab
grew by ` 20196 crore, from ` 102996 crore as at December 2014 to `
123192 crore as at December 2015 thus showing a growth of 19.61%
Agenda papers of 135th Meeting of SLBC-Punjab
Page 39
as against an increase of ` 12202 crore or 13.43% during the
corresponding period previous year.
The share of incremental PS advances to incremental advances during
the period under review is 87%.
Item No. 22 (vi)
Agriculture Advances
The Agriculture Advances in the State during the period under review
witnessed an increase of `.14707 crore, from ` 49303crore as at
December 2014 to ` 64010 crore as at December 2015 thus showing a
growth of 29.82 % as against an increase of `6068 crore or 14.03%
during the same period last year.
The share of incremental agriculture advances to incremental advances
during the period under review is 64%.
Out of the total
Agriculture advances of `64010 crores, term loan
component is `14674 crores which comes to 22.92%.
Item No. 22 (vii)
Advances to Micro & Small Enterprises
Agenda papers of 135th Meeting of SLBC-Punjab
Page 40
(MSEs)
The advances to Micro & Small Enterprises during the period under
review registered an increase of `. 2642 crore, from ` 45271 crore as at
December 2014 to ` 47913 crore as at December 2015 thus showing a
growth of 5.83% as against an increase of ` 6616 crore or 17.11%
during the corresponding period previous year.
Item No.22 (viii)
Advances to Weaker Sector
During the period under review, the advances to Weaker Sector
increased by ` 2444 crore, from ` 33276 crore as at December 2014 to `
35720 crore as at December 2015, thus registering a growth of 7.34%
as against an increase of ` 4722 crore or 16.53% during the same period
last year.
Item No. 23
Review of National Goals
As per guidelines of RBI, banks are required to achieve National Goals
on Adjusted Net Bank Credit (ANBC) as at the end of previous year
instead of NBC and for calculation of ANBC the outstanding FCNR (B)
and NRNR deposit balance will no longer be deducted for computation of
ANBC, which now will be Bank Credit plus investments made in non_SLR
bonds under HTM category. Since it may be difficult for banks to arrive
at such figures at State level , as such the review of National Goal is
made on the basis of Net Bank Credit as at the end of previous year,
which means gross credit minus inter bank credit.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 41
The comparative position relating to achievement of National Goals in
the State is given below:Sr.
No
Particulars
Go
al
%
%age Position as on
Dec.
Dec.
Dec.
2013
2014
2015
a)
Priority Sector Adv. to Net Bank Credit
40
53
57
60.03
b)
Agriculture Adv. to Net Bank Credit
18
25
29
33.12
c)
Small & Marginal Farmers
7
NA
NA
13.40
d)
Micro Enterprises
7
NA
NA
8.59
e)
Export Credit
2
NA
NA
0.43
f)
Weaker Sector Adv. To Net Bank
Credit
CD Ratio (Rural)
CD Ratio (S-Urban)
Women Beneficiaries Advances to NBC
10
17
19
18.54
60
60
5
66.59
68.58
66.11
64.23
65.10
69.97
6.76
6.40
8.19
g)
h)
i)
[Bank-wise performance under National Goals is as per Annexure-15 & 15(i) {Page 114-115].
Observations:





The ratio of Priority Sector Advances to Net Bank Credit as
at Dec.15 stands at 60.03% as against National Goal of 40%.
The share of Agriculture Advances to Net Bank Credit, as at
Dec.15 is 33.12% against the National Goal of 18%.
The share of Small and Marginal Farmers to Net Bank
Credit, as at Dec.15 is 13.40% against the National Goal of 7%
(to be achieved by March 2016).
The share of Micro Enterprises to Net Bank Credit, as at
Dec.15 is 8.59% against the National Goal of 7% (to be achieved
by March 2016).
The share of Export credit to Net Bank Credit, as at Dec.-15 is
0.43% against the National Goal of 32%.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 42




The advances to Weaker Sector are 18.54% of Net Bank
Credit, as against National Goal of 10%.
The CD Ratio of Rural area is 65.10% against the national goal
of 60%.
The CD Ratio of Semi Urban area is 69.97% against the
national goal of 60%.
The advances to Women Beneficiaries constitute 8.19 % of Net
Bank Credit, against the National Goal of 5%.
The house may discuss.
Item No. 24
Education Loan achievements.
The performance of Scheduled Commercial Banks as on 31.12.2015 for
the financial year 2015-16 is as under:(Amount `. in Crore)
Year
Accounts
Balance O/S
Increase
Absolute
%age
Dec. 2013
35470
1065.06
-38.59
Dec. 2014
36699
1231.00
165.94
15.58
Dec. 2015
35936
1257.53
26.53
2.51
(Bank-wise position as at Dec. 2015 is as per Annexure-16) {Page 116}.
Member Banks are requested to give more thrust for making
advance under this segment.
Item No. 24(i)
Total
Amt
Progress of
Students.
advanced Out
Agenda papers of 135th Meeting of SLBC-Punjab
Education
of
loans
to
Women
(Amount `in Crore)
which % of advances
Page 43
during the quarter
advances made to
women
student
during the quarter
No.
of Amount
account
669
47.48
No.
of Amount
account
1582
81.47
made to women
student
No.
of Amount
account
42.28
58.27
(Bank-wise position as at Dec-2015 is as per Annexure-16 {Page 116}
During the quarter ended December 2015, banks in the State of
Punjab have made 1582 education loans amounting to ` 81.47 crores,
out of which 669 loans amounting to ` 47.58 crores have been made to
female students. The percentage of loans advanced to women comes to
42.28% & 58.27% respectively for number of accounts and amount
advanced.
This is for the information of the House.
Item No. 24 (ii)
Collateral Free Education Loans & Position of
NPA.
As per RBI guidelines the banks are required to grant collateral free
education loan up to 4 lacs. Implementation of the guidelines of RBI is
emphasized in each meeting of SLBC. The relevant data in this regard
for quarter ended Dec.-2015 is placed below:(Amt . in ` Crore)
Number of
Education
Loan
accounts
outstanding
Amount of
Education
Loan
outstanding
1
2
Out of 2,
NPA
outstanding
3
Agenda papers of 135th Meeting of SLBC-Punjab
%age of
NPA under
Education
Loan
4
Out of 2,
education
loan
granted
collateral
free
5
Page 44
Out of 5,
NPA out of
collateral
free loans
6
%age of
NPA in
collateral
free
accounts
7
35936
1257.53
35.16
2.80
414.78
5.06
21.02
(Bankwise detail as per Annexure-16(i) {Page 117}.
The House may discuss.
Item No. 25
Advances to Minority Communities.
The comparative position is given below:
(Amount `.in Crore)
Minority
Community
December 13
A/Cs
Amt.
O/S
Muslims
Christians
Budhists
Zoroastrians
13113
7820
224
106
%age
Growth
December 15
A/Cs Amt. O/S
-10.66
14.87
-30.26
14.84
20395
8762
246
0
440.67
161.70
18.04
0
%age
Growth
(in
amt.)
53.96
-6.63
73.96
0
2757
748.80
72.20
21263 485.63
23293
907.53 86.97
32160
1369.22
(Bank-wise position as at Dec. 2015 is as per Annexure-17 {Page 118}.
50.87
319.41
148.79
14.87
2.56
Jains
Total
December 14
A/Cs
Amt.
O/S
12443
8321
201
128
286.21
173.19
10.37
2.94
2200
434.82
The overall advances to minority communities have registered an
increase of ` 461.69 crore, from `907.53 crore as at December -2014 to
`1369.22 crore as at December 2015, thus showing a growth of
51%.
During the quarter ended December 2015, banks disbursed advances to
the tune of `89.33 crore to borrowers belonging to minority
Agenda papers of 135th Meeting of SLBC-Punjab
Page 45
communities. The bank-wise position is given as per Annexure-17(i).
{Page No.119}
The House may discuss.
Item No. 25(i)
Advances to Women Beneficiaries
The comparative position is given below:-
(Amount `. in Crore)
Year
Accounts
Amt. O/S
Increase
%age to Net
Bank Credit
Absolute
%age
Dec. 13
307530
11586.24
2917.23
33.65
Dec. 14
340057
12148.23
561.99
4.85
6.22%
Dec. 15
480058
17565.79
5417.56
44.59
8.40%
(Bank-wise position as at Dec. 2015 is as per Annexure-18 & 18(i&ii) page 120-122).
The overall advances to women beneficiaries witnessed an increase of
` 5417.56 crore from ` 12148.23 crore as at Dec 2014 to ` 17565.79
crore as at Dec 2015, thus registering a gowth of 44.59 %. In the State
of Punjab, the share of advances to women beneficiaries to Net Bank
Credit as at Dec 2014 stands at 8.40%, against the target of 5%.
The bank-wise position in respect of advances to women beneficiaries to
total advances as at Dec.2015 is given as per Annexure-18(i&ii)
{Page 120-122}.
During the quarter ended Dec.2015, banks have disbursed loans to the
tune of `3495 crore to women beneficiaries. The bank-wise position is
given at Annexure-18(iii) {Page 123}.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 46
Item No. 25(ii)
Advances to SC Beneficiaries
The comparative position of advances to SC beneficiaries is given as
under:(Amount ` in Crore)
Year
Accounts
Balance
Outstanding
Increase
Absolute
%age
Dec. 2013
176841
3358.25
483.72
16.82
Dec. 2014
178116
3417.64
59.39
1.76
Dec. 2015
166655
3539.16
121.52
3.55
[Bank-wise position as at Dect. 2015 is given in Annexure-12(ii)]. {Page No.108}
The overall advances to SC beneficiaries during the period under review
witnessed an increase of `121.52 crore from ` 3417.64 crore as at
Dec.2014 to `3539.16 crore as at Dec.2015, thus showing a growth of
3.55%.
The House may review
REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES
Item No.26
Review of Govt. Sponsored Schemes &
Programmes
Item No.26 (i) National Rural Livelihood Mission (NRLM)Implementation in the State of Punjab
Agenda papers of 135th Meeting of SLBC-Punjab
Page 47
It has been informed by Rural Development Department, Govt. Of Punjab,
that SGSY scheme has been merged with newly started scheme NRLM. As
per the directions of MORD, no new SHG group is to be formed under SGSY
scheme w.e.f 31st March 2013 and data reporting will also not get generated
online. In view of the transition phase of SGSY to NRLM, no targets were
given by the State Govt. The scheme is being implemented in 14 blocks of 7
districts i.e. Taran-Tarn, Ferozepur, Sangrur, Patiala, Bhatinda ,Gurdaspur &
Muktsar on pilot basis. The commulative performance of these 7 districts is as
under:
Position of Self Help Groups under NRLM
Position of SHG as
SHGs formed
Cumulative
on 30.09.2015
during the quarter
position as at
31.12.2015
1137
734
1871
(District-wise position is as per Annexure-124)
The representative of Department of Rural Development is
requested to apprise latest position .
Item No.26(ii)
Prime Minister Employment Generation
Programme (PMEGP).
KVIC has informed the following progress under PMEGP for the year 2015-16
up to 31.12.2015:Particulars
KVIC
KVIB
DIC
Rural
Target
No. of Projects
526
526
Margin Money
1052.04 1052.04
(Rs. in Lakh)
Employment
4208
4208
Progress
Cases disbursed
89
51
Margin Money 386.65 157.89
Released
Agenda papers of 135th Meeting of SLBC-Punjab
Total
Urban
351
701.36
350
701.36
1753
3506.90
2804
2804
14024
266
552.54
406
1097.08
Page 48
Employment
632
362
1889
2883
Observations:
 A sum of ` 1097.08 lakhs has been disbursed as margin money in the
406 cases disbursed upto 31.12.2015. 2883 unemployed youth have
been provided employment.
The representative of KVIC/KVIB/DIC may inform the House latest
position.
Item No.26 (iii)
National Urban Livelihoods Mission (NULM)
Government of India has restructured the SJSRY scheme to National Urban
Livelihoods Mission (NULM)Scheme is applicable to cities with population of 1
lac or more and all the District Head QuarterTowns/Cities even if its
population is less than 1 Lac as per the census of 2011.In the State of
Punjab only 26 town/cities will be covered. Further under NULM only the
interest subsidy will be given to the beneficiaries for setting up Micro
Enterprises. The interest subsidy will be given over and above the 7%
interest. There is no capital subsidy for any project (Individual or Group).
The bank wise/district wise targets are attached as per Annexure-20 {Page
No.125-126}.
The cumulative progress under the scheme is as under:
Position of Self Help Groups under NULM as on 31.12.2015
Self
Help SHG linkage Banks linkage
Group Formed with banks
of
SHG
pending with
banks
Agenda papers of 135th Meeting of SLBC-Punjab
Page 49
Bank linkage
of
SHG
pending with
ULB
569
340
130
98
(City wise information of SHG is as per Annexure-20(i) {Page No.127}
The representative of department of SUDA is requested to apprise
the house latest in the matter please.
Item No.27
Micro Financing – Self Help Groups
The summary of progress made in implementing the concept of Self
Help Groups both under the Scheme of SGSY and Normal Lending up to
31.12.2015 is given below:-
SHGs
As on 31.03.2015
No. of
No. of
SHGs
SHGs
formed
credit
linked
SHGs
As on 31.12.2015
No. of
No. of
SHGs
SHGs
formed
credit
linked
33519
34727
22985
23929
Gap between
SHG formed
& credit
linked as on
31.12.2015
10798
From 01.04.2015
up to 31.12.2015
No. of
No. of
SHGs
SHGs
formed
credit
linked
1208
944
(District wise Progress is as per Annexure-21&21(i) {Page 128-129}
Observations:
Up to 31.12.2015, 34727 Self Help Groups have been formed out of
which 23929 Groups have been credit linked since inception of the
scheme.
The gap between the SHGs formed & linked with bank credit is 10798.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 50
During the period ended up to Dec.2015, 1208 Groups have been
formed and 944 credit linked.
The pace of formation & credit linkage of SHGs needs to be accelerated.
The House may discuss.
Item No.27(i)
Joint Liability Groups- Financing of Joint
Farming Groups of ‘Bhoomi Heen Kissan’.
In view of the Union Budget announcements on financing five lakh joint
farming groups of ‘Bhoomi Heen Kissan’ , targets of Financing of
Joint Liability Groups of ‘Bhoomi Heen Kissan’ were allocated by
NABARD. The summary of progress made in implementing the concept
of Joint Liability Groups up to 31.12.2015 is given below:JLG Financed JLGs
upto
Financed
31.03.2015
upto
the
quarter Dec.
15
8732
5086
Total JLGs
Financed
Up to
31.12.2015
13818
(Districtwise performance is attached as per Annexure-22 {Page 130}
Member banks are again requested to reiterate guidelines to
branches on financing of JLG for farm sector and non farm
sector activities and monitor the branch wise progress in
financing of JLG on monthly basis.
Item No. 28
Annual Credit Plan 2015-16.
Item No. 28(i) Annual Credit Plan 2014-15 Achievements up
Agenda papers of 135th Meeting of SLBC-Punjab
Page 51
to 31.12.2015
The achievement under Annual Credit Plan (2015-16) up to Dec.2015 is
given below:-
Sector
Agriculture
NFS (MSME)
Other Education
Priority
Sector Housing
others
Total
(Amount ` in crore)
ACP 2014-15 up to
ACP 2015-16 up to
Dec. 2014
Dec. 2015
Targets
Ach.
%
Targets Ach.
%
Ach.
Ach.
47635
46069
97
69101
67522
98
11111
9362
84
24503
24775 101
1511
650
43
3765
4891
68914
1725
7135
64942
46
146
94
15827
13055
82
109431
105353
96
District-wise & Bank-wise disbursement under ACP Annexure-23 & 23(i) {Page 131-134}
District-wise & Bank-wise Targets vis-à-vis Achievements under ACP Annexure-24 &24(i)
{Page 135-136}
District-wise & Bank-wise outstanding under ACP Annexure-25 & 25(i) {Page 137-140}

As against overall targets of `109431 crore, Banks have
disbursed loans to the order of ` 105353 crore, the percentage
achievement works out to be 96%.

As against target of ` 69101 crore under agriculture & allied
sector, Banks have disbursed ` 67522crore. The achievement
is 98%.

Banks disbursed loans amounting to `24775 crore against the
target of `24503 crore set forth for NFS (MSME). The
achievement comes to 101%.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 52

Banks disbursed loans to the tune of ` 13055 crore under
Other Priority Sector against the target of`15827 crore. The
achievement comes to 82%.
District wise Analysis
The perusal of district-wise progress up to Dec-2015 under ACP 201516 is given at Annexure 23 {Page 135-136} which reveals as
under: The overall targets have been exceeded in 11districts i.e. Amritsar,
Barnala, Faridkot, Ferozepur, Hoshiarpur, Kapurthala, Ludhiana,
Moga, Muktsar, SBS Nagar, Pathankot and missed by varying
margins in other districts.
 The targets under Agriculture & Allied Sector have been achieved
in 11 districts i.e. Amritsar, Barnala, Faridkot,Fatehgarh Sahib,
Ferozepur,Hoshiarpur, Kapurthala, Moga,Mohali, Muktsar, SBS
Nagar and missed by varying margins in other districts.
 The targets under MSME Sector have been exceeded in 9 Districts
i.e. Amritsar, Fazilka, Ferozepur, Hoshiarpur, Kapurthala, Moga,
Muktsar,Pathankot,Patiala and missed by varying margins in
remaining districts.
 The targets under Other Priority Sector have been achieved in 7
Districts i.e. Bathinda,Faridkot, Ludhiana, Mansa, Moga,Muktsar,
Ropar and missed by varying margins in remaining districts.
Bank-wise Progress:
The study of bank-wise progress given as per Annexure 24 {Page
137-138} reveals as follows:Agriculture & Allied Activities
Agenda papers of 135th Meeting of SLBC-Punjab
Page 53
 As against target of ` 38083 crore under agriculture sector,
Commercial Banks, have disbursed loans amounting to ` 37807
crore. The achievement works out to 99%.
 As against target of ` 7935 crore under agriculture sector, Private
Sector Banks, have disbursed loans amounting to ` 10249 crore.
The achievement works out to 129%.
 As against target of ` 3912 crore under agriculture sector, RRBs
have disbursed loans amounting to ` 5929 crore, thus showing
achievements of 152%.
 As against target of ` 19170 crore under agriculture sector,
Cooperative Banks have disbursed loans amounting to ` 13536
crore, thus showing achievements of 71%.
MSME Sector
 As against target of ` 19323 crore under this sector, Commercial
Banks have disbursed loans amounting to `19605 crore. The
achievement comes to 101%.
 As against target of ` 4467 crore under this sector, Private Sector
Banks have disbursed loans amounting to ` 4932 crore. The
achievement comes to 110%.
 As against target of ` 88 crore under this sector, RRBs have
disbursed loans amounting to ` 66 crore. The achievement comes
to 75%.
 As against target of ` 623crore under this sector, Cooperative
Banks have disbursed loans amounting to ` 172crore. The
achievement comes to 28%.
Other Priority Sector
Agenda papers of 135th Meeting of SLBC-Punjab
Page 54
 As against target of `11348 crore under this sector, Commercial
Banks have disbursed loans amounting to `9221 crore, the
achievement comes to 81%.
 As against target of `2190 crore under this sector, Private Sector
Banks have disbursed loans amounting to `1663 crore, the
achievement comes to 76%.
 As against target of `179crore under this sector, RRBs have
disbursed loans amounting to ` 115 crore, the achievement comes
to 64%.
 As against target of `2108 crore under this sector, Cooperative
Banks have disbursed loans amounting to `2055 crore, the
achievement comes to 97%.
The house may review the progress.
Item No. 28(ii)
NPA in Agriculture Sector
The position of NPAs under Agriculture Loans in the State of Punjab as
on 31.12.2015 is given as under:(Amount ` in Crore)
Outstanding under NPA
under %age of Total
%age of
Agriculture Loans
Agriculture loans
NPA to Advances NPA to
total
No.
of Amount No
of Amount Agri.
advances
advances
Accounts
Accounts
2885951 73620
76058
2931
3.98
230583
1.27
(Bank wise progress is as per Annexure-26) {Page 141}
Agenda papers of 135th Meeting of SLBC-Punjab
Page 55
NPA under Agriculture are to the tune ` 2931 cores which is 3.98% of
agriculture advances outstanding and 1.27% of total advances
respectively in the State.
This is for the information of the House.
Item No. 29
Ground level Credit data
The Ground level credit disbursement by the financial institutions in
the State of Punjab. The position of disbursement segment wise
is as under:(Amt in crores)
Particular
Crop Loans
Targets
Commercial
Banks
RRBs
Coop. Banks
PADB
Total
36232
Achieve
ments
37161
3348
16652
313
56545
5178
10963
191
53493
Term Loan
Agriculture
Targets Achieve
ments
10457
10895
865
2305
550
14177
752
1845
536
14028
Total Agriculture
Targets
46689
Achieve
ments
48056
4213
18958
863
70723
5929
12809
728
67522
The segment wise position is placed as Annexure-27 {Page 142} .
The house may discuss.
Item No. 29(i)
Position of Agriculture Advances through Term
Loan.
The position of Term Loan from the total agriculture is as under:
(Amt. in crores)
Outstanding under
Outstanding under Term
Agriculture Advances
Loan
No. of Accounts Amount No. of Accounts Amount
1544680
64010
458737
14370
The position is placed as Annexure-27(i) {Page 143}.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 56
This is for information of the house.
Item No.30
Farmers’ Club Programme
The cumulative progress achieved in formation of Farmers’ Clubs in
Punjab as at 31.12.2015 is as follows:Farmers Club
approved during
2015-16
Farmers Club
launched as on
31.12.15
Cumulative
position as on
31.12.2015
77
30
2567
During the financial year 2015-16, Commercial banks in Punjab have
launched/ established 30 new Farmers’ Clubs.
The House may review the progress.
Item No.31 National
Horticulture
Horticulture Mission
Board
&
National
The summary of the progress achieved in LOI cases of National
Horticulture Board as on 31.12.2015 is as follows:-
Year
LOI Issued
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
25
11
4
22
50
77
Agenda papers of 135th Meeting of SLBC-Punjab
(Amount `in Lakh)
Cases
Subsidy
disbursed
Released
62
209.63
15
688.23
3
6.60
21
622.62
10
616.70
13
575.19
Page 57
Item No. 32
Item No. 32(i)
The House may review the progress.
Advances to Industrial Sector
Credit to Micro, Small & Medium Enterprises
(MSME)
Reserve Bank of India vide circular RPCD.SME & NFS.NO. BC.90/
06.02.31/2009-10 dated 29th June, 2010 read with extant instructions
contained in para 1.3 and para 2.1.3 of the Master Circular on lending to
Micro, Small and Medium Enterprises (MSME) banks are advised to
ensure that:
40% of total advances to MSE sector should go to micro
(manufacturing) enterprises with investment in plant & machinery upto
` 10 lakh and micro (services) enterprises having investment in
equipment up to ` 4 lakh;
20% of total advances to MSE sector should go to micro
(manufacturing) enterprises with investment in plant & machinery above
`10 lakh and up to ` 25 lakh and micro (services) enterprises with
investment in equipment above `4 lakh and up to ` 10 lakh. (Thus 60%
of MSE advances should go to micro enterprises).
In terms of the recommendations of Prime Minister’s Task Force on
Micro, Small & Medium Enterprises (MSMEs) under Chairmanship of Shri
TKA Nair, the banks have been advised as under:Achieve a 20% Year on Year growth in credit to micro and small
enterprises to ensure enhanced credit flow,
The allocation of 60% of MSE advances to the micro enterprises is to be
achieved in stages viz. 50% in 2010-11, 55% in the year 2011-12 and
60% in the year 2012-13,
Agenda papers of 135th Meeting of SLBC-Punjab
Page 58
Achieve a 10% annual growth in number of micro enterprise accounts.
It is further advised that banks should open more SME focused branch
offices at different MSE clusters which can also act as Counseling
Centers for MSEs. Each Lead Bank of a district may adopt at least one
MSE cluster.
Particulars
March-2015
Accounts
(Amount ` in crore)
Dec-2014
Dec-2015
Amount
Accounts
Amount
Account
Amount
314372
19795.06
301296
18970.75
387191
19104.18
Small Enterprises
76984
Micro & Small
391356
Enterprises
(MSE)
Share
of
Not
advances
to Applicable
Micro Enterprises
/ MSE
Medium
4180
Enterprises (ME)
MSME
395536
25123.70
75266
24481.16
81406
22850.35
44918.76
392449
45360.73
468597
41954.53
44%
Not
41.82%
Not
45.53%
Micro Enterprises
Applicable
Applicable
8565.52
3746
7812.52
4655
5958.88
53484.28
396195
53173.25
473252
47913.41
(Bank-wise performance is as per Annexure-28& 28(i) {Page 144-145}.
Observations.
 In the State of Punjab, banks have provided credit to the tune of `
41954.53 crore to 468597 Micro & Small units up to Dec.2015 as
against ` 45360.73 crore to 392449 units as at Dec.2014. The
annual growth in number of micro enterprises accounts is 19 %
against the target of 10%.
 The share of advances to micro enterprises to total MSE as at Dec2015 is 45.53% against stipulated level of 60% of total lending to
MSE sector as on preceding March 31st .
Agenda papers of 135th Meeting of SLBC-Punjab
Page 59
The Controlling Heads of Banks are requested to take further
steps for enhancing MSEs outstanding as also the share of
advances to Micro Enterprises from Micro & Small Enterprises
so that the stipulated level of 60% is achieved.
Item No. 32.i (a)
Financing of New Units
As per the policy package announced by Hon’ble Finance Minister, each
Urban & Semi Urban bank branch is to provide financial assistance to at
least 5 new units under Tiny, Small & Medium industry in a year.
The position of financing of New Units up to Dec. 2015 is given below:(Amount ` in Crore)
Institution
Number New SME Units Financed
Per Branch
of U/SU Number
New
SME
Amount
Branches
Accounts
Opened
Commercial Banks
3256
60308
4659
18.52
RRBs
69
3187
19
46.19
Total
3412
63495
4678
18.60
(Bank-wise performance is as per Annexure 28(ii) {Page 146}
Observations:
During the period upto Dec.-2015, 3225 Urban/ Semi Urban branches of
banking system in Punjab have financed 63495 new accounts under SME
sector.
The per branch new SME account comes to 18.60 as against annual
target of 5 cases per branch.
The performance is satisfactory.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 60
During the deliberations in the subcommittee meeting of MSME held on
08.12.2015, while reviewing the progress, it was desired that the banks
i.e UCo bank, Andhara Bank, BOM, CBI, Dena Bank, Indian Bank, IOB,
UBI, & Axis Bank who have not achieved the target of number of cases
should take necessary steps to achieve the target under this parameter.
Concerned banks are again requested to take necessary steps
to achieve the targets under this parameter.
Item No. 32.i (b) Collateral Free Loans to MSME
The position for the quarter ending Dec-2015 is summarized below:(Amount ` in Lakh)
Period
Out of which
New MSEs loans upto `
collateral free loans
10 lakh
Quarter
No. of units
Amount
No. of units
Amount
ended
Dec-2013
6753
32914
Dec-2014
8581
29805
5739
(85%)
7919
(92%)
20900
(63%)
26376
(88%)
Dec-2015
52620
83709
48216
74246
(92%)
(89%)
(Bank wise information is as per Annexure-28(iii) {Page 147}
Banks have provided loans up to ` 10 lakh to 52620 MSE units during
the quarter ended Dec-2015, out of which collateral free loans have
been provided to 48216 units which means the coverage is 92%.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 61
As per extant guidelines, all loans upto ` 10 lacs to SME are
mandatorily to be given without taking any collateral security.
The house may review.
During the deliberations in the subcommittee meeting on MSME held on
08.12.2015, member banks were apprised of the decision taken in the
meeting of Sub Committee held on 12.01.2015, wherein it was resolved
that cases, where loans stand already sanctioned and collateral security
has been taken, the same may be released after taking permission from
the competent authority and circular in this regard be issued by the
Controlling offices of member banks.
Shri Sarabjit Singh, Joint Director, Department of Industries, Govt. of
Punjab apprised the house that the guidelines for providing 100%
collateral free loans upto Rs.10 lacs are not displayed in the branches for
creating awareness among the general public inspite of taking decisions
for the same in various meetings.
Member banks are again requested to ensure meticulous
compliance of the above decisions taken in the Subcommittee
meeting on MSME.
Item No. 32.i (c)
Position of NPA in MSME advances
The relevant data in this regard for quarter ended Dec- 2015 is placed
below:(Amt . in ` crore)
Number of
MSME Loan
accounts
outstanding
Amount of
MSME Loan
outstanding
Agenda papers of 135th Meeting of SLBC-Punjab
Out of 2, NPA
outstanding
%age of NPA
under MSME
Loan
Out of 2,
MSME loan
granted
collateral
free
Page 62
Out of 5,
NPA
outstanding
1
473252
2
3
4
5
6
47913
4165
8.69
5356
550
(Bankwise detail as per Annexure-28(iv) {Page 148}
The House may discuss.
Item No. 32.i (d) Review of Growth in MSE Accounts
The relevant data in respect of Commercial Banks for quarter ended
Dec.2015 is placed below:(Amt . in ` Crores)
MICRO & SMALL ENTERPRISES
MICRO ENTERPRISES A/cs
No.
of
Accounts
as
on 31.03.2015
271034
New
accounts
opened
during the
Financial
year upto
Dec. 2015
71139
% growth
in No. of
Accounts
Credit
Outstanding as
on 31.12.2015
Credit
provided
during the
Year upto
Dec-2015
%
growth
in credit.
26
44252
8249
19
(Bankwise detail as per Annexure-28(v) {Page 149}
Observations:
During the period under review the Commercial Banks in the State
opened 71139 new accounts of Micro Enterprises showing pro rata
growth of 26 % in the number of accounts opened during this fiscal
year.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 63
Banks in the State have provided fresh credit to the tune of `8249
crores to MSE during the period under review, thus showing a growth
of 19%.
This is for information of the House.
Item No. 32.i (e) Position of Sick MSEs.
The position of sick SME units as at Dec.-2015 is as follows:-
SME
units SME units classified as
identified
as
sick
as
at
31.12.2015
Units
Amt.
Viable
Non viable
Units Amt.
Units
Amt.
14375 1873.95 222 249.02 12922 1424.36
(Amt. ` in Crores)
Units under Units where
nursing
viability
decision yet
to be taken
Units
Amt.
Units
Amt.
77
239.78
1231
200.64
(The bankwise data is available on Annexure-29 {Page 150}
This is for information of the House.
Item No. 32.i (f) Credit Guarantee Fund Scheme for Micro &
Small Enterprises
The comparative position of coverage under the scheme is as follows:
(Amount ` in lakh)
Cumulative
Coverage
Coverage
during 2015-16
Agenda papers of 135th Meeting of SLBC-Punjab
Cumulative Position
as at Dec.2015
Page 64
As on 31.03.2015
(Upto Dec.2015)
Accounts Amount
35376
239213
Accounts
9771
Amount
32651
Accounts Amount
45147
271865
(Bank wise performance is as per Annexure-30) {Page 151}
Observations:
Banks have covered 45147 MSE units amounting to ` 271865 lakh up to
Dec-2015, under the Credit Guarantee Fund Scheme.
Banks have covered 9771 cases under the scheme amounting to `32651
lakh, upto the period ended Dec.2015.
The house may review the performance.
During the deliberations in the subcommittee meeting on MSME held on
08.12.2015, member banks were requested to ensure meticulous
compliance of RBI guidelines in making advances under MSME and for
taking steps to cover eligible cases under CGTMSE. The house showed
his concern that only 3681 cases were covered under CGTMSE whereas
total number of branches in the State are 6661.
Member Banks are again requested to ensure that maximum
cases be covered under CGTMSE as per the stipulated
guidelines of RBI.
Item No.33
Recovery of Banks' Dues - Pending Recovery
Certificates under State Recovery Acts
Agenda papers of 135th Meeting of SLBC-Punjab
Page 65
The position as at Dec-2015 of pending Recovery Certificates filed
under State Recovery Acts is given below:(Amt. ` in lac)
S. No. Particulars
i
ii
iii
iv
v
Cases settled during the
quarter
Total pending cases
Out of (ii) above, cases
pending for less than six
months
Out of (ii) above, cases
pending for more than six
months but less than one
year.
Out of (ii) above, cases
pending for more than 1 year.
No. of RCs
Amount
42
167.85
1335
381
9479.43
1045.53
32
158.36
922
8275.54
(District-wise & Bank wise position is as per Annexure 31 & 31(i) {Page 152-153}
Observations:
As many as 1127 cases filed under State Recovery Acts involving a sum
of ` 8199.53 lakh are lying pending with Recovery Officers. 739 RCs with
amount outstanding to the tune of ` 4918.16 lac are pending for more
than 1 year. The pendency in respect of RCs for more than One year is
mainly in respect of Districts Amritsar, Ferozepur, Gurdaspur,
Kapurthala, Ludhiana Muktsar & Tarn Taran and of Banks namely
CBI,PNB, OBC, SBI, SBOP, & Punjab Gramin Bank.
Revenue Department is requested to expedite recovery in
pending cases.
Item No. 34
Delay in taking possession of assets by Chief
Metropolitan Magistrates/District Magistrates
under section 14 of SARFAESI Act, 2002.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 66
The Bank wise position of pending cases under SARFASAI in the State
of Punjab under as on 31.12.2015 is as under:(Amt ` in Lacs)
No. of Pending Cases
Cases pending
Amount Involved
with Metropolitan
for more than
Magistrates/District
one Month
Magistrates
84
74
93401
(Bank wise Position is as per Annexure 32) {Page 154-158}
This is for information of the House.
Item NO. 35
Yearly Calendar of holding SLBC meetings
In order to streamline & strengthen the system of holding SLBC
meetings, RBI in terms of their letter no. RPCD.CO.LBS. BC.NO.44/
02.19.10/201-11 dated 29.12.2010 addressed to CMDs of all SLBC
Convener Banks have been given broad guidelines for convening the
above meetings, in terms whereof Convener Bank has prepared a yearly
calendar of SLBC meetings.
We propose following dates for holding SLBC meetings for the State of
Punjab for the calendar year 2016 as under :Sl. No
136th SLBC
Quarter for which data
is to be reviewed
March, 2016
137th SLBC
June, 2016
138th SLBC
September, 2016
Agenda papers of 135th Meeting of SLBC-Punjab
Proposed date and day of holding
SLBC meetings
13.05.2016
(Friday)
11.08.2016
(Thursday)
*16.11.2016 (Wednesday)
Page 67
139th SLBC
December, 2016
14.02.2017 (Tuesday)
(*On 12th & 13th are being Saturday & Sunday and 14th is holiday)
The House may approve the same.
The schedule of other activities relating to convening of SLBC meetings
as conveyed by RBI is reiterated for the information of members as
under:S.
Activity
No.
1. Preparation of calendar of SLBC
meetings and intimation to all
concerned of the cut off dates of
submission of data and dates of
meetings as per dateline given below:2. Reminder regarding the exact date of
meeting and submission of data by
banks to SLBC
3. Dead line for receipt of data by SLBC
Convener Bank
4. Distribution
of
agenda
cum
background papers
5. Holding of SLBC Meeting
Agenda papers of 135th Meeting of SLBC-Punjab
To be completed by
(Date)
15th of January every year
15 days before the end of
the quarter
15 days from the end of
the quarter
20 days from the end of
the quarter
Within 45 days from the
end of the quarter
Page 68
6.
7.
Forwarding the minutes of the meeting
to all stakeholders
Follow up of action points emerged
from the meeting
Within 10 days from the
holding the meeting
To be completed within
30 days of forwarding the
minutes for review in the
next meeting
Banks and LDMs are requested to ensure submission of data
duly checked as per above schedule.
This is for information of the house.
Any other issue with the permission of the Chair
Agenda papers of 135th Meeting of SLBC-Punjab
Page 69
ITEMS FOR INFORMATION OF THE MEMBERS
Item No.36 Basic Banking Accounts and issuance of GCCs
The progress achieved by banks in opening of Basic Banking Accounts
and issuance of GCCs up to Dec-2015 in Punjab State is as follows:(Amount ` in Lakh)
Basic Banking Accounts
GCCs Outstanding
Opened
Number
Amount
Number
Amount
270078
35077
36903
59015
(Bank wise progress under Basic Banking Accounts is as per Annexure 33) {Page 159}
(Bank wise progress under issuance of GCCs is as per Annexure 33 (i) {Page 160}
Observations:
Banks during the quarter ended Dec.-2015 have opened
270078“Basic Banking Accounts” having balance of ` 35077lakh.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 70

Banks during the quarter ended Dec.-2015, banks have issued
36903 GCCs amounting to ` 59015 Lakh.
In view of the importance of “Financial Inclusion” the Controlling Heads
of banks are requested to issue instructions to the concerned quarters
for bringing the underserved section of the society to the bank’s fold by
opening of “Basic Banking Accounts” and/or issuing of cards under GCC
scheme.
Item No 37
Providing Saving-cum-OD Account Facility to
other families living in Rural Areas having no
Land
The Secretary, Department of Financial Services, Ministry of Finance,
Govt. of India vide his DO letter no. 1 (4) 2011 dated 07.09.2011
advised certain action points with regard to lending under Priority Sector
and one of the action point was that each bank will work out a scheme if
none exists, for giving Saving cum OD Account to other families which
do not have any land and live in the Rural Area. This account should
have an OD limit of ` 10,000/- against the personal guarantee of the
villager and the villager should be able to use the bank account for
Savings or meeting the requirements of consumption purposes on a
need based basis and use the OD.
Controlling heads of all the banks to kindly take steps to implement the
above facility as desired by the Ministry of Finance.
House may discuss.
Item No.38
Dairy Entrepreneurship
Scheme.
Agenda papers of 135th Meeting of SLBC-Punjab
Development
Page 71
(DEDS)
Dairy Entrepreneurship Development is a central sector scheme for
generation of self employment opportunities in the dairy sector, it is
covering activities like improvement in milk production, procurement,
preservation, transportation, processing and marketing of milk. The
performance under the scheme upto q.e. Dec-15 is as under:(Amt. ` in Lacs)
Targets under DEDS Achievements up to
%achievement
For 2015-16
Dec.-2015
Not allocated by Deptt
17036
N.A.
(Bank wise progress is as per Annexure 34) {Page 161}
This is for information of the house.
Item No.39
Progress of Agro Food Processing Industries.
The performance under the scheme upto q.e. Dec.-2015 is as under:-
Advances made during
the quarter Dec.-2015
No. of
Amount
A/cs
425
31880
(Amt. ` in Lacs)
Commulative figures
up to Dec.-2015
No. of A/cs
Amount
6658
130254
(Bank wise progress is as per Annexure 35) {Page 162}
This is for information of the house.
Item
No.40
Swarojgar Credit Card Scheme
The progress up to Dec.-2015 under the Scheme is as under:(Amt. ` in Lac)
Particulars
Commercial
Agenda papers of 135th Meeting of SLBC-Punjab
RRBs
Coop.
Page 72
Total
Annual Target (Nos.)
No. of SCCs Issued
Amount Disbursed
Banks
5000
172
91
2000
2081
1033
Banks
3000
213
71
10000
2466
1195
(Bank-wise progress is as per Annexure-36) {Page 163}
The analysis of the data reveals that against the annual target of 10000
Swarojgar Credit Cards (SCCs), Banks up to Dec -2015 have issued 2466
cards amounting to `1195 lac.
The house may review the progress please.
Item No. 41
Kisan Credit Card (KCC) Scheme
The progress achieved by banks in implementing Kisan Credit Card
scheme up to 31.12.2015 is given below:-
Period
Sanctioned
No. of
Amount
KCCs
Commercial Banks
2006-2007
2007-2008
2008-2009
2009-2010
2010-11
2011-12
2012-13
2013-14
2014-15
Since
inception
127378
132795
165774
148942
208279
238586
284701
333958
288364
2881073
1922.72
2740.04
3717.19
3660.91
5286.39
8347.89
11276.01
18662.62
20649.10
96077.04
Agenda papers of 135th Meeting of SLBC-Punjab
Disbursed
No. of
Amount
KCCs
126600
132217
165218
147827
196436
237801
284076
333186
288250
2804002
1991.76
2705.51
3601.61
3572.18
5162.14
8138.17
10819.74
18489.25
19795.64
93510.94
Page 73
(Amt. ` in crores)
Outstanding
No. of
Amount
KCCs
125885
130283
164644
147453
168840
235003
212615
293747
362032
1045710
1968.40
2610.29
3536.68
3562.37
2477.68
7930.88
8747.40
14203.93
18218.58
52492.85
up to Dec 2015
Cooperative Banks
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12
2012-13
2013-14
2014-15
Since
inception
up
Dec.2015
Total since
inception
33937
35494
18570
16216
22417
8095
17521
15804
13840
994580
205.78
601.51
157.57
749.47
332.44
149.25
239.31
192.45
128.08
7779.16
33937
35494
18111
16216
22415
8077
17521
15804
13840
994560
3875686
103868.37 3798593
205.78
601.51
139.62
749.47
282.78
148.87
239.31
192.45
128.08
7729.12
33937
35494
18111
16216
14241
8075
17521
15804
13840
923958
101252.18 1969689
205.78
601.51
139.61
749.47
175.27
148.02
239.31
192.45
128.07
6707.65
59212.62
(Bank-wise progress up to Dec-15 is as per Annexure-37) {Page 164}
Highlights
From 1st April 2015 to 31st Dec. 2015, the Commercial Banks have
sanctioned 245433 Kisan Credit Cards amounting to `15073.36 crores
and disbursement has been completed in 243151 cases to the extent of
`14224.42 crores. In addition to this, during the same period,
Cooperative Banks have sanctioned 6819 Kisan Credit Cards amounting
to `58.26 crores.
Since inception of the scheme, Commercial and Cooperative Banks
jointly have sanctioned kisan credit cards to 3875686 farmers amounting
to ` 103868.37 crores in the State, out of which disbursement has been
Agenda papers of 135th Meeting of SLBC-Punjab
Page 74
made to farmers to the tune of ` 3798593 crores. On cumulative basis,
there are 1969689 outstanding KCCs amounting to ` 59212.62 crores
as at 31.12.2015.
This is for information of the House.
Item No. 41(i)
KCC-ATM cum Debit Cards position.
The position of KCC outstanding and the number of ATM Debit Card
issued to the KCC holders as on 31.12.2015 is as under:
KCC outstanding as ATM-cum Debit card No. Of KCC holders
on Dec.-2015
issued
up
to without ATM cards.
Dec.2015
1969689
695590
1274099
(Bank wise position is as per Annexure-37(i) {Page 165}
This is for information of the house.
Item No. 42
Golden Jubilee Rural housing Finance Scheme
The progress achieved under the scheme up to 31.12.2015 is given
below:
During quarter ended
Dec.-2015
Sanctioned
Disbursed
No.
Amt.
No.
Amt.
Agenda papers of 135th Meeting of SLBC-Punjab
(Amount ` in lac)
Cumulative up to
Dec.-2015
Sanctioned
Disbursed
No.
Amt.
No.
Amt.
Page 75
2260
8701
2248
7242
14867
63698 14860
29525
(Bank-wise position is given as per Annexure 38) {Page 166}.
Observations:
During the quarter ended Dec.-2015, under Golden Jubilee Rural
Housing Scheme, banks have sanctioned loans to 2260 beneficiaries
amounting to ` 8701 lac and disbursement has been completed in 2248
cases to the tune of ` 7242 lac under the Scheme.
This is for information of the members.
Item No. 43
Implementation of Nayak Committee
recommendations
As per Reserve Bank of India guidelines for assessing working capital
limits of village, tiny and other SSI units requiring fund based limits up
to ` 5 crore, banks have to adopt procedure based on Nayak Committee
guidelines, i.e. sanction of working capital limits @ 20% of the projected
turnover.
The performance data of banks in implementing Nayak Committee
recommendations during the quarter ended Dec.-2015 is given below:
Sr.
No.
a)
(Amt. ` in crore)
Particulars
Previous
Current quarter
quarter ended ended
Dec.Sept-2015
2015
No.
Amount No.
Amount
Loans sanctioned to 12813 875.04
15718 827.30
SSI
Agenda papers of 135th Meeting of SLBC-Punjab
Page 76
b)
Out of (a) above, 7904
loans sanctioned
as
per
Nayak
Committee Norms.
755.03
14903
780.65
(Bank-wise performance is as per Annexure-39 {Page 167}
Highlights
During the quarter ended Dec-2015, banks have sanctioned loans
amounting to ` 827.30 crore to 15718 SSI units. Out of these, loans
amounting to ` 780.65 crore have been sanctioned to 14903 SSI units as
per Nayak Committee Norms. It reveals that while assessing the credit
requirements of SSI units requiring funds up to ` 5 crore, Banks have
applied norms based on Nayak Committee recommendations in 50% of
cases. The feedback from Banks also indicates that in remaining cases
the borrowers were not willing to avail the credit limits as per Nayak
Committee Recommendations, due to the turnover of current assets
being high and/or higher level of creditors.
This is for information of the House.
Item No. 44
Financing of Tenant Farmers/Oral Lessees and
Share Croppers.
NABARD has informed that Andhra Pradesh State Govt. has recently
promulgated an ordinance titled ‘Andhra Pradesh Land Licensed
Cultivators Ordinance 2011” to facilitate financing of tenant farmers,
oral lessees and share croppers by financial institutions. The ordinance
envisages issuance of ‘Loan and Other Benefits Eligibility Cards’ to
tenant farmers, oral lessees and share croppers to access credit from
the Public Financial Institutions and to claim benefits of input subsidy,
crop insurance compensation for damage to crop and for matters
connected therewith or incidental thereto.
Agenda papers of 135th Meeting of SLBC-Punjab
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Such an initiative would lead to smoothening the process of access to
the formal credit delivery system by tenant farmers/oral lessees/share
croppers, etc. thereby helping the JLG programme to scale new heights.
Director, Agriculture Department Govt. of Punjab have informed that the
case has been sent to Financial Commissioner (Revenue), Govt. of
Punjab, for implementation of Act in the State.
The representative of Department of Agriculture/IF&B is
requested to apprise the house latest position in the matter.
Item No. 45
National Handicapped Finance and Development
Corporation (NHFDC)
Ministry of Social Justice & Empowerment, Government of India as
informed that NHFDC functions as an apex Institution for promoting
economic development activities and self - employment ventures for the
benefit of persons with Disabilities (PwDs). The detailed information on
schemes and programmes of NHFDC is available on website
www.nhfdc.nic.in.
NHFDC has recently tied-up with 3 Public Sector Banks (Bank of Baroda,
Andhra Bank & IDBI Bank) and 24 Regional Rural Banks for flow of
collateral free concessional credit (interest rate of 4-8% per annum) to
PWDs for self employment under credit guarantee scheme of
Government of India. These banks will also extend education loans to
eligible students with disabilities for higher education in India or abroad
at an interest rate of 3.50 – 4% per annum only. Other members banks
are requested to sign similar agreement with NHFDC for flow of
concessional credit to PWDs.
Controlling Heads of these Public Sector Banks are requested to
Agenda papers of 135th Meeting of SLBC-Punjab
Page 78
send the progress to the Convener Bank.
Item No. 46
Government Sponsored Subsidy Schemes under
farm & non farm sector.
In order to create infrastructure and increase capital formation in
agriculture and SSI, the Government of India has launched various
schemes, wherein the Govt. of India also provides subsidy. NABARD is
nodal agency for implementation of all such schemes. The progress up
to 31.12.2015 made under different schemes conveyed by NABARD is
placed below:(Amount ` in lakh)
S.No. Scheme
Cases Financial Bank
Subsidy
Outlay
Loan
Sanctioned
1
Cold
132
17102.80 10160.65
3152.91
Storage
2
Rural
1501 137145.19 99868.49
19579.43
Godowns
3
ACABC
9
78.93
71.03
25.91
4
CLCSS
412
NA
16154.85
2423.22
5
AMI
1923
88395.35 63058.73
20213.81
6
Solar
59
38.74
18.15
17.14
Light &
Solar
Water
Heater
8
NPOF
Cold
Storage
133
1080.14
667.70
176.82
Capital Investment Subsidy Scheme (CSISS)
for
construction /renovation / modernization of cold storages
Rural
CISS for Rural Godowns
Godowns
Agenda papers of 135th Meeting of SLBC-Punjab
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ACABC
Agri Clinic Agri Business Centers
CLCSS
Credit Linked capital Subsidy Scheme for Technology
Upgradation.
AMI
Agriculture Marketing Infrastructure
NPOF
CISS for Commercial Production Units of Organic Inputs
under National Project of Organic Farming.
This is for the information of the members.
Agenda papers of 135th Meeting of SLBC-Punjab
Page 80