129th Meeting of State Level Bankers’
Committee (Punjab)
The 129th meeting of State Level Bankers’ Committee (Punjab) to review the
performance of banks for the period ended June 2014 will be held on
13.08.2014 at 11.00 AM at Hotel Shivalik View, Sector 17,
Chandigarh. Following issues shall be taken up for discussions in the
meeting:-.
Item No.1 Confirmation of minutes of 128th Meeting of State Level
Bankers' Committee (Punjab) held on 21.05.2014.
Last Meeting of SLBC
128th
Held On
21.05.2014
Minutes e-mailed /Circulated On
04.06.2014
Comments Received
NIL
The House may confirm the emailed/ circulated minutes.
Item No. 2 “Sampoorn Vittiyea Samaveshan (SVS)” - Comprehensive
Financial Inclusion under Missiion Mode.
Department of Financial Services, Ministry of Finance, Government of India,
vide their e-mail dated 26th June 2014 has informed that Prime Minister’s
office has asked for preparation of an immediate time bound action plan for
100% Financial Inclusion of all the households across the country. In this
regard, a comprehensive Financial Inclusion plan to be launched under the
Agenda papers of 129thMeeting of SLBC-Punjab
Page 1
Mission Mode - “Sampoorn Vittiyea Samaveshan (SVS)“ has been
prepared. The plan will be launched on 15th August 2014 and will be
implemented in phases in a time bound manner.
In this context, a Special SLBC was convened on 05.08.2014 under the
Chairmanship of Dr. Ram S. Sangapure and Madam Vini Mahajan, IAS,
Principal Secretary (Finance), Govt. of Punjab was the Chief Guest.
The main action point emerged for LDMs in the said meeting were as under:
1. That LDMs to revisit the allocation of SSAs and Wards allocated to bank
and submit duly tallied revised allocation to SLBC on or before
11.08.2014 on the format already with them. (While making
reallocation, effort be made that as far as possible minimum changes
are made. While allocating the wards in urban centre, the whole ward
should be allocated to one bank).
2. Issue of connectivity be taken up with BSNL in the district and name of
the areas having problems of connectivity be intimated to SLBC.
3. It was also resolved that Office of the Lead District Manager should be
adequately strengthened as desired by DFS, MoF, GoI. LDMs were
requested to apprise us the inadequacy, if any for taking up the matter
with controlling Heads of Bank having lead Bank responsibility.
Convener Bank has already advised LDMs to send the reply to the above
observations by the given date and it was also mentioned that if no
information is received by the given date, it shall be presumed that they have
nothing to report in the matter and the previous information will be treated as
Final.
The House may deliberate.
The main action point emerged for Member Banks in the said meeting were as
under:
Agenda papers of 129thMeeting of SLBC-Punjab
Page 2
1. It was confirmed by the member banks that Aadhaar is being
accepted as the sole document for opening of new accounts.
2. Hard copy of Aadhaar is not being insisted upon while making the
payments of social security schemes. As the Aadhaar number is verified
by the concerned department before sending the lists to Banks.
3. It was desired by Principal Secretary(Finance), Govt. of Punjab that
Office of Lead District Managers be adequately strengthened as desired
by the DFS, MoF, GoI in his letter addressed to CMDs/CEO of
commercial Banks.
Convener Bank has already advised Member Banks to confirm that the
instructions are percolated at the branch level in respect of point no. 1&2 and
in respect of point no 3, member banks to confirm that the LDM office has
been adequately strengthened.
(Minutes of the meeting are enclosed at Annexure No.1 for
information of the house and with the instructions to take action
wherever required.)
The House may deliberate.
Item No. 3
Status report of issues flagged in the 128th meeting
of SLBC held on 21.05.2014 Issues raised & latest
Status
Item No.3(i)
Roadmap-Provision of banking Services in Villages
having population below 2000
Total 10132 unbanked villages in the above population segment in the state
have been allocated to various banks. 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.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 3
Banks in the State of Punjab have covered 6689 villages up to 30.06.2014
bank wise progress is as per Annexure 2.
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, the representative of RBI, apprised the house that while
verifying the actual working of BCs in the field, it has been observed that most
of the BC uses the concept of pre funding while making payments to the
account holders i.e. they make payment only to the extent credit is available
with them. He requested the member banks to take steps to stop this practice
in the field. He further advised all the member banks for activating the
existing BCs. The representative of Reserve Bank of India advised that Lead
District Managers should visit all the BC locations to take a overview about the
working of BCs.
House may discuss.
During the deliberations in the Special SLBC meeting on CFI held on
05.08.2017, Madam Vini Mahajan, IAS, Principal Secretary (Finance), Govt. of
Punjab desired to apprise her the targets for the coverage of remaining
villages. Chairman of the meeting apprised her that since as per the
Comprehensive Financial Inclusion Scheme of Ministry of Finance all the
villages in the State has to be mapped in SSAs and the same has to be
covered as per the time schedule fixed by the Ministry of Finance, the
bifurcation of villages with less than or more than 2000 population and
coverage of the same has no significance.
The House may deliberate.
Item No. 4
Opening of One Bank Account per family in Rural Area
and Urban Areas – Allocation of Wards
With a view to achieve the objective of Financial Inclusion and to implement
Direct Benefit Transfer Scheme both in Urban and Rural Areas, DoFS, MoF,
GoI has been advising the banks to ensure opening of one account per
family.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 4
The position of accounts opened by banks in Urban as well as in the
Rural Areas in different districts as on 30.06.2014 is as under:Name of
District
Amritsar
Bathinda
Barnala
Faridkot
Fatehgarh S.
Firozpur
Gurdaspur
Hoshiapur
Jalandhar
Kapurthala
Ludhiana
Mansa
Moga
Mohali
Muktsar
Nawanshahar
Patiala
Ropar
Sangrur
Tarn Taran
Fazilka
Pathankot
TOTAL
Rural
Urban
Househ
olds
having
Bank
A/C
Total
No. of
Househ
olds
Househol
ds having
Bank A/C
Househol
ds yet to
be
covered
Total
No. of
Househ
olds
212566
191670
20896
267737
264443
3294
208993
177644
31349
66377
59739
6638
74819
55002
19817
37457
33224
4233
76262
73552
2710
41931
38802
3129
71158
71158
0
24485
24422
63
103337
103337
0
0
0
0
324613
324212
401
66571
65203
1368
258523
258523
0
71171
71171
0
213390
213390
0
240683
237286
3397
106870
91026
15844
58466
58466
0
345242
324106
21136
535178
478125
57053
70616
70616
0
53280
53280
0
123151
111527
11624
32318
29539
2779
82601
82601
0
114500
114500
0
122957
119067
3890
49835
47646
2189
102297
102297
0
26337
26337
0
209720
207620
2100
152020
150500
1520
96022
96022
0
36832
36832
0
215367
208070
7297
98663
95302
3361
182923
176965
5958
36857
35947
910
118018
115689
2329
51988
49786
2202
177882
173554
4328
25773
25123
650
3497327
3347648
149679
2088459
1995673
92786
Agenda papers of 129thMeeting of SLBC-Punjab
Page 5
Househol
ds yet to
be
covered
Member banks are requested to open accounts of the left out
families at the earliest for implementation of 100% coverage of all
the households in the State.
Item No. 4(i)
Opening of at least one account per household
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, the house was apprised of the changed guidelines of DFS,
MoF, GoI conveyed in the meeting of SLBC Conveners held on 23.07.2014,
vide which it was decided to open at least one account per household.
Member banks were requested to take action as per the decision of the
Ministry of Finance.
Convener Bank has advised all the LDMs to revisit the ward allocation and
inform to the Convener Bank if there is any change and for providing a copy
of the wards allotted to banks to the concerned DCO of the banks for
implementation of Sampoorn Vittiyeya Samaveshan (SVS) in the State.
House may discuss.
Item No. 5
Mapping of Gram Panchayats and Planning for
BCAs/ CSCs for Direct Benefit Transfer- Sub Service
Area (SSA) Approach.
With the announcement of Direct Benefit Transfer in 43 Districts w.e.f.
January, 2013 and in 78 districts w.e.f.01.07.2013 in the country in a phased
manner, it has become necessary that comprehensive plan for coverage of
the entire country through banking services to enable Direct Benefit Transfer
is prepared. District wise list of Mapping of Gram Panchayat as per Sub
Service Area Approach have already been completed and sent to Controlling
Heads of all the Banks. During the deliberation in the Special SLBC meeting
held on 05.08.2014, LDMs were advised to revisit the SSAs and send the
change if any in allotment of SSAs to the Convener Bank.
The house may deliberate.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 6
Item No. 6
Direct Benefit Transfer (DBT)
Department of Financial Services, Ministry of Finance, Government of India
vide their letter no F.No.6/41/2012-FI(Vol.III) dated 1st April 2013 has
informed that, the Government has decided to extend the Direct Benefit
Transfer Scheme to 78 more Districts w.e.f. 1.7.2013. In the State of Punjab,
Barnala & Jalandhar districts have been identified and added for
implementation of DBT in addition to the SBS Nagar, Fatehgarh Sahib &
Gurdaspur district already identified for implementation of DBT in 1 st phase.
Detailed instructions have already been mailed to member banks for opening
of bank accounts, seeding of Aadhaar and strengthening of banking
infrastructure in the districts covered under Direct Benefit Transfer.
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, the house was apprised of the sending of list of beneficiaries
by SC Welfare Department Punjab of pre-Matric Scheme for seeding of
Aadhaar number of bank account for implementation of the scheme. It was
also informed that department is not providing exact 16 digit number in many
accounts, as a result the same cannot be seeded by LDMs/Banks. The
representative of Department of Social Security Women & Child Welfare was
requested to ensure that in the lists sent to the LDMs for seeding of Aadhaar
number, 16 digits account number be provided invariably.
Controlling Heads of Concerned Banks and LDMs are requested to
ensure seeding of Aadhaar number with bank account for
implementation of DBT Scheme in the State.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 7
Item No. 7
Unique Identification Authority of India
- Seeding of Aadhaar Number in Bank Accounts of
DBT/DBTL Beneficiaries
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, the house was apprised of guidelines of Department of
Financial Services, MOF, GoI regarding seeding of Aadhaar Numbers in CBS
for LPG Subsidy, Seeding of the Bank Accounts with Aadhaar Number &
Validity of E-Aadhaar as proof of identity. The representative of UIDAI
informed the house that Aadhaar has been seeded in 38% of bank accounts
and 50% of DBTL accounts. He apprised the house that the detail of Aadhaar
seeded accounts is readily available at http//auth.igate.com/ PNGPMIS/
AadhaarseedingExt.htm which is a public domain site and anybody can view
the same.
Controlling Heads of all the banks are requested to advise branches
under their control to seeding of Aadhaar number for
implementation of other schemes of Govt. of India.
Item No. 8
Charges from KCC applicants by Bank advocates.
During the deliberation in the 128th meeting of SLBC held on 21.05.2014 the
house was apprised of a VIP-Reference addressed to Hon’ble Finance Minister
received through Reserve Bank of India vide which they have informed that
advocates are charging Rs.1500-2000 from the each farmer while issuing
Kissan Credit Card (KCC). These charges should either be borne by the bank
or waived as farmers have already mortgaged the land and mutation stands
entered in favour of bank and there is enough security available to the bank.
The house decided that the issue be discussed in the Sub-Committee meeting
to SLBC.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 8
In the Sub-Committee meeting to SLBC held on 16.06.2014, it was resolved
that Advocate Fee be paid by bank direct to advocate to obviate chances of
overcharging from farmers and Convener bank should write to the controlling
heads of all the banks that these charges should be rationalized and there
should not be any disparity in charging of fees by advocated in KCC accounts.
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, the house was informed about the decisions taken in the SubCommittee meeting to SLBC wherein the issue was discussed threadbare.
After deliberation it was decided that an amount of Rs.1100/- as one time
advocate fee be charged for issue of NEC in case of Kissan Credit Card. It
was also decided that the said fee be paid to the advocate by debiting
account of the borrower and farmer should not be asked to go to the
advocate.
The house may deliberate and approve.
Item No. 9
Installation of Onsite ATMs in all Branches of PSBs/
RRBs and issuance of Debit Cards to all account
holders in identified districts for Direct Benefits
Transfer
In view of the roll out of the Direct Benefit Transfer, it is important that the 43
districts of Phase-I and the 78 districts of Phase-II are taken up on priority for
installation of ATMs. Banks operating in the identified districts were requested to
install onsite ATMs.
The District wise/ Bank wise position in the State is enclosed as per Annexure-3.
The Controlling Heads of the Banks are requested to ensure installation of
ATMs as per instructions of Ministry of Finance.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 9
Item No. 9(i)
INSTALLATION AND MANAGED SERVICES OF
CASH DISPENSERS (CDs) – CONVEYING DETAILS
TO SLBC CONVENERS AND STATE LEVEL HEADS.
Department of Financial Services, Ministry of Finance, Government of India
vide its letter dated 04.08.2012 addressed to CMDs of all the Public Sector
Banks has advised for outsourcing of installation & managed services of Cash
Dispensers on geographical cluster basis. In the cluster comprising State of
Punjab & J&K, Union Bank of India has been advised for installation and
managing services of Cash Dispenser through M/S FIS Payment Solution and
Services India Pvt. Ltd.
Bank wise report for progress of installation of ATMs up to June-2014 is as per
Annexure-4.
Controlling heads especially of Union Bank and other banks/LDMs
are requested to take steps for installation of CDs as per the
schedule.
Item No. 10
Progress Report of Financial Literacy Centres (FLCs)
The consolidated performance of the FLCs up to June-2014 is as per
Annexure-5 & 5(a).
Observations
 During quarter ended June-2014, 6626 persons availed indoor
services from Financial Literacy Centres working in the State of
Punjab.
 During the quarter ended June-2014, 368 outdoor activities were
undertaken in which 12506 persons participated in these activities by
Financial Literacy Centres in the State.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 10
 Individual centre wise analysis reveals that the functioning of the
centres at Fatehgarh Sahib, Faridkot, Ropar, Pathankot requires more
publicity.
 During the quarter ended June-2014, 4501 Financial Literacy Camps
have been organized by rural branches in the State of Punjab in
which 36594 persons participated.
The House may review the performance of FLCs.
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, Shri Chalia, GM, NABARD, apprised the house that NABARD is
reimbursing 60% of the cost of holding camps at rural branches subject to
maximum ceiling of Rs.6000/-. He requested controlling heads of all the banks
to send the proposal for holding camps at rural branches.
This is for information of the house.
Item No.
10(i)
Opening of Financial Literacy Centres (FLCs) at block
level.
In the comprehensive Financial Inclusion of Ministry of Finance, under the
Mission Mode one of the six pillars is to extend opening of FLCs at block level.
Convener Bank proposes following targets for opening of FLCs at Block Level: 30%of targets up to September 2014,
 70% of targets up to December 2014 and
 Remaining 30% to be covered by March 2015.
During the deliberations in the Special SLBC meeting on CFI held on
05.08.2014, the house was informed about the allocation of targets for
opening of FLC at Block level. Dr. Rakesh Gupta, GM, PS&LB, HO, apprised
the house that convener bank has already issued circular for opening of FLC
at Block level. He requested Madam Vini Mahajan to provide the space
preferably at BDO office for opening of FLC at Block level. Madam Vini
Agenda papers of 129thMeeting of SLBC-Punjab
Page 11
Mahajan, IAS, Principal Secretary (Finance), Government of Punjab,
requested Shri Jaspal Singh, IAS, Secretary (Expenditure) & Director (IF&B)
to take up the matter with Rural Development Department for providing space
for opening of FLCs at block level.
The representative of Department of Institutional Finance and
Banking to apprise the house about the latest in the matter and
Controlling heads of banks are requested to ensure opening of FLCs
at Block level as per the targets given.
Item No. 11
Setting up of Rural Self Employment Training
Institutes (RSETIs)
19 RSETIs are operating in the State of Punjab which includes RSETIs at
Dhudike (District Moga) sponsored by PNB and Tappa Mandi in Barnala
District sponsored by Canara Bank. Allotment of land is pending at Gurdaspur,
Hoshiarpur, Jalandhar, Tarn Taran, Pathankot & Fazilka. RSETIs are not
operating at Fazilka, Pathankot, Tarn Taran, Gurdaspur & SBS Nagar.
(Performance of the RSETIs functioning in the State up to June-2014
& status of land allotment is given on Annexure-6 & 6-a.)
From the data on progress of RSETIs up to June-2014, it has been observed
that: 1108 training programmes of skill development were organized
wherein 30157 trainees participated.
 6777 trainees were financed by the banks to start their
Enterprises and 8260 trainees set up their enterprises through
owned funds.
 Out of total 30680 trainees, 19046 were from SC/ST category,
3354 from OBC, 684 from minority and 7596 were from other
categories.
 24389 Women and 181 Handicapped persons were also provided
training for self-employment.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 12
The representative of Department of Rural Development is further
requested:
1. To get the process of approval of RSETI Building plans by the DTPs
expedited as the construction work of RSETI is getting delayed.
2. State Govt. to ensure release of funds for reimbursement of training
expenses for BPL families in time bound manner.
3. State Govt. to organize Appreciation Workshop of RSETI Directors and
APOs of DRDAs for two days at the State HQ.
The House may discuss
During the deliberations in the 2nd Steering committee meeting to SLBC held
on 25.07.2014, Shri H S Sahal, State Coordinator of RSETI reviewed the
progress of RSETI in the state and has raised the following issues:
1. Conducting of Appreciation Workshop by SRLM, Punjab for RSETI
Directors and APOs, DRDAs, SPMs, SRLMs as the same has not yet
been organized during the last two years.
2. Allotment of land is pending at Gurdaspur, Hoshiarpur, Jalandhar, Tarn
Taran, Pathankot & Fazilka.
3. Approval for opening of RSETIs at Pathankot, TaranTarn, SBS Nagar &
Fazilka.
4. KVIC and DIC to sponsor PMEGP cases for training in RSETIs as other
states like Odisha has done through a separate communication to all
the concerned Agencies.
5. Similarly, SRLM to sponsor SHGs members for training at RSETIs.
6. To review the progress of RSETIS and to sensitize the Directors of
RSETIs, SLBC to hold the meeting of Directors of RSETIs.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 13
Shri Sahal further showed his concern that the State Govt. has not yet
waived the CLU/Map approval fee charges and the same is pending at Chief
Town Planner office.
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 namely Gurdaspur,
Hoshiarpur, Jalandhar, Tarn Taran, Pathankot & Fazilka for setting
up of RSETIs. Where possession of allocated land has not taken by
bank, controlling heads to apprise house of the reasons for the same
and date by which they will accomplish the task.
Item No. 12
Constitution of Sub-committee for Stamp duty on
SHG/JLG, Mutation fees on properties & Pension
issue.
During the deliberation in the 128th meeting of SLBC held on 21.05.2014 the
house approved the constitution of Sub-Committee on the captioned matters.
According the meeting of the Sub-Committee was convened on 16.06.2014.
The minutes of the meeting was circulated among all the member banks and
the same is again enclosed as per Annexure-7.
The House may deliberate.
Convener Bank has received a copy of the letter from Revenue Department,
Government of Punjab, addressed to all the Deputy Commissioners in the
State in respect of entry of Equitable Mortgage in the Revenue recordCharging of Suvidha fee therein. The same is enclosed at Annexure-8 for
information of the house.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 14
Item No. 13
Measures to to computerized 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 that Tehsil/Sub Tehsil will be fed
into the computer. As of now, 161 out of 167 Fard Kendras have been
operationalized and record of about 12,285 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.
Department of Institutional Finance and banking vide their letter dated
23.06.2014 requested the CGM NABARAD for sending them the copy of the
notifications issued by other states regarding authenticity of land record taken
online. During the deliberations in the 2nd Steering committee meeting to
SLBC held on 25.07.2014, the representative of NABARD provided the copy of
the notification to representative of DIF&B requesting them for further
necessary action in the matter.
The house was also apprised of the meeting of the Sub-Committee on
23.04.2014 wherein it was desired that in column no 14 access to the bankers
be provided for making necessary noting for creation of charge.
Shri Inderjit Singh, Joint Secretary, Revenue Department, Govt. of Punjab,
informed the house that the process of giving access to the bankers is under
consideration of the department and their department is also studying the
Karnataka Bhoomi Model in this respect and progress will be apprised shortly.
NABARD has provided the copy of the notification of the Kartaka Govt. to
Department of Institutional Finance and Banking as desired by them.
The representative of Department of Revenue/DIF&B is requested
to apprise the house latest position in the matter.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 15
Item No. 14
Electronic Benefit Transfer (EBT) for Government
Schemes
During the deliberations in the 128th meeting of SLBC held on 21.05.2014, the
house was apprised of the decision of the State government for implementing
EBT by adopting “one District One Bank Model” and it was also informed that
the Convener Bank has opted for Mohali district for implementation of EBT on
the basis of “one District one bank Model”. The representative of Department
of Social Security women and Child Development informed the house that
they have received the proposal and State Govt. will decide it.
In the 2nd meeting of Steering Committee held on 25.07.2014, Shri Harpal
Singh, Field General Manager and Convener SLBC apprised the house that in
the recently convened meeting of SLBC conveners by DFS, MoF, GoI at New
Delhi on 23.07.2014, it was clarified that model adopted by the Central Govt.
for various schemes has to be applied by the State Governments in all the
schemes.
During the deliberation in the Special SLBC meeting on CFI held on
05.08.2014, Shri Jaspal Singh, IAS, Secretary Expenditure and Director IF&B,
apprised the house that the State Govt. is considering allotting Districts to
Public Sector Banks on the basis of ‘One leader bank many banks model’ for
implementation of EBT in the State. He apprised the house that a meeting will
be called shortly in this respect wherein the allotment of Mohali district to
Convener Bank will be considered. Dr. Ram S Sangapure, ED, PNB, and
Chairman of todays meeting requested Secretary Expenditure to synchronize
the social security schemes (EBT scheme) with DBT Scheme of the Central
Government so that the accounts opened for implementation of
Comprehensive Financial Inclusion become viable.
The representative of Department of Social Security Women & Child
Development /IF&B is requested to apprise the house the position in
the matter.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 16
Item No.15
Progress under Debt Swap Scheme.
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 June-2014 is as follows:(Amount ` in Lakh)
Target
for
Debt Swap (on
the basis of
3%
of
Agriculture)
Achievement
%age
Under
Achievement
Debt Swap
2013-14
up to
June 2014
Public Sector Banks
32908
9060
28
Pvt.Sector Banks
5098
410
8
RRBs
3664
1328
36
Coop. Bank
17264
796
5
Total
58934
11594
20
(Bank wise progress is as per Annexure-9)
The Controlling Heads of Banks are requested to advise their field
functionaries to lend liberally under the scheme to get the farmers
out of clutches of money lenders.
The House may deliberate.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 17
Item No 16 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)
As At
Parameter
June
2012
Branches
June
2013
Variation
June
2014
4156
4667
5469
177060 206483 238830
140866 165162 183479
70335 84703 96990
35882 42515 47057
28759 32452 41187
21265 25408 31231
20.90
21.02
23.46
Agg. Dep.
Advances
PS Adv.
Agri. Adv.
Adv. to MSE
Weaker Sector Adv.
DRI Adv.
June 2013/
June 2012
Absolute
%age
511
29423
24296
14368
6633
3693
4143
0.12
12.29
16.61
17.24
20.42
18.48
12.84
19.48
0.57
June 2014/
June 2013
Absolute %age
802
31847
18317
12287
4542
8735
5823
2.44
17.18
15.66
11.09
14.50
10.68
26.91
22.91
11.60
(Bank-wise position as at June 2014 is given in Annexure 10(i)-10(i-iv)
Item No. 16.(i)
Branch Expansion
802 new branches of Commercial Banks were opened in the State during the
period from 1st July 2013 to 30th June 2014, thus raising the network of
branches from 4667 as at 1stJuly 2013 to 5469 as at 30th June 2014. Area
wise analysis is summarized below:Number
Branches
of
Rural
Semi Urban
Urban
Total
June
2012
1552
1314
1290
4156
As At
June
2013
1841
1462
1364
4667
Agenda papers of 129thMeeting of SLBC-Punjab
Variation
June
2014
2326
1633
1510
5469
June 2013/
June 2012
June 2014/
June 2013
Absolute
Absolute
289
148
74
511
485
171
146
802
Page 18
Observations
 During the review period, increase in number of branches in rural areas of
Punjab was of the order of 485
 This is followed by Semi-urban areas, which registered an increase of
branches to the tune of 171
 Whereas the increase of branch network in urban areas was 146.
This is for information of the House.
Item No. 16.(ii)
Deposit Growth.
The aggregate deposits of the Banks in Punjab increased by ` 31847 crore
from ` 206483 crore as at June 2013 to ` 238330 crore as at June2014, thus
posting a growth of 15.42% as against an increase of 16.61% during the
corresponding period last year.
(Amount ` in Crore)
Variation
As At
Aggregate
Deposits
Rural
Semi
Urban
Urban
Total
June
2012
June
2013
June
2014
42256
61940
46613
70680
55047
73491
72864
89190 109792
177060 206483 238330
June 2013 /
June2012
Absolute %age
4357
8740
10.31
14.11
16326 22.40
29423 16.61
Observations
Agenda papers of 129thMeeting of SLBC-Punjab
Page 19
June 2013 /
June2012
Absolute %age
8434
2811
18.09
3.97
20602 23.09
31847 15.42
 During the review period, the deposits in urban areas have increased by
23.09%, in semi urban area have gone up by 3.97% and in rural areas the
deposit growth is 18.09%.
This is for information of the House.
Item No. 16(iii)
Credit Expansion
Gross credit in the State increased by ` 18317 crore, from ` 165162 crore as
at June-2013 to ` 183479 crore as at June 2014, thus exhibiting a growth of
11.09 % as against 17.24 % during the same period last year.
Area wise analysis is summarized below:(Amount ` in Crore)
As At
Total Advances
June
2012
Rural
Semi Urban
Urban
Total
June
2013
Variation
June
2014
23255
29468
33452
37139
46780
47526
80472
88914 102501
140866 165162 183479
June 2013 /
June 2012
Absolute %age
June 2014 /
June 2013
Absolute %age
6213 26.71
9641 25.95
8442 10.49
22379 17.24
3984 13.51
746
1.59
13587 15.28
18317 11.09
Observations
 During the review period, the growth in outstanding advances in urban
areas was 15.28% whereas in semi urban & rural areas it was 1.59% &
13.51% respectively.
This is for information of the House.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 20
Item
No.16.(iv)
Credit Deposit Ratio – Implementation of the
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 will be 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. The details of Monitorable Action Plans of these SSCs are as under:-
District
Date of Meeting
Jalandhar
10.01.2006
Kapurthala
Nawanshahar
Hoshiarpur
10.01.2006
10.01.2006
11.01.2006
Agenda papers of 129thMeeting of SLBC-Punjab
Monitorable Action Plan

25% by 31.03.2006

40% by 31.03.2010

60% by 31.03.2015

23% by 31.03.2006

40% by 31.03.2010

60% by 31.03.2015

18% by 31.03.2006

35% by 31.03.2009

60% by 31.03.2015

28% by 31.03.2006

40% by 31.03.2009

60% by 31.03.2012
Page 21
The comparative position of Monitorable Action Plan and CD Ratio (net of
NRI deposits) as at June 13 & June 14 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 June
13
CD Ratio %
(including
NRI
Deposits)
as at June
14
Jalandhar
60
(Mar.15)
32.66
32.00
Kapurthala
60
(Mar.15)
28.41
Nawanshahr
60
(Mar.15)
Hoshiarpur
60
(Mar.12)
Growth
June 14/
June 13
(PPs)
CD Ratio %
(Net of NRI
Deposits)
as at June
13
CD Ratio %
(Net of NRI
Deposits)
as at June
14
Growth
June 14/
June 13
(PPs)
-0.66
42.01
40.00
-2.01
34.29
+5.88
37.73
48.23
+10.50
33.00
36.40
+3.40
25.09
46.52
+21.43
31.04
30.43
-0.61
54.75
54.90
+0.15
Observations:

The CD Ratio (including NRI deposits) has increased in Kapurthala and
Nawanshahar district and the same has decreased in other two districts.
The CD ratio net of NRI deposits increased in Kapurthala, Nawanshahar
& Hoshiarpur Districts whereas the same has declined in Jalandhar
Districts.
The concerned LDMs are requested to continue to review the CD Ratio
in the meetings of Special Sub Committee of DCC so as to reach the
next target of CD ratio as envisaged under Monitorable Action Plan.
The House may review the CD Ratio vis a vis MAP to improve CD
Ratio of these identified districts.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 22
Item No. 16 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
June 2012
June 2013
June 2014
CD Ratio %
79.56
79.99
77.70
Variation
+0.43
-2.20
(Bank wise CD Ratio as at June-14 is as per Annexure 11 (i).
(District wise CD Ratio as at June-14 is as per Annexure 11 (ii)
Observations
During the period under review overall CD Ratio of Commercial Banks for the
State of Punjab witnessed an decrease of 2.20 PPs from 79.99% as at June2013 to 77.70% as at June-2014.
The House may review the overall CD Ratio.
Item No. 16 iv (ii)
CD Ratio - Rural Areas
Agenda papers of 129thMeeting of SLBC-Punjab
Page 23
The comparative position of CD Ratio of rural areas in Punjab is as follows:-
(Amount ` in crore)
Period
Deposit
42256
46613
55047
June 2012
June 2013
June 2014
Rural
Advances
23255
29468
33452
CD Ratio %
55.03
63.21
60.76
Variation
PPs
+8.18
-2.45
Observations
During the review period, the CD Ratio of Rural areas has decreased by
2.45 from 63.21% as at June-13 to 60.76% as at June-14.
This is for information of the House.
Item No16 iv (iii)
CD Ratio - Semi Urban Areas
The comparative position of CD Ratio of Semi Urban areas in Punjab is as
follows:(Amount ` in crore)
Period
Deposit
Agenda papers of 129thMeeting of SLBC-Punjab
Semi Urban
Advances
CD Ratio %
Page 24
Variation
PPs
June 2012
June 2013
61940
70736
37139
46780
59.95
66.13
+6.18
June 2014
73491
47526
64.66
-1.47
Observations
During the review period, the CD Ratio of Semi Urban areas has decreased
by -1.47 PPs from 66.13% % as at June-13 to 64.66% as at June-14.
This is for information of the House.
Item No.16 iv (iv)
CD Ratio - Urban Areas
The comparative position of CD Ratio of urban areas in Punjab is as follows:(Amount ` in crore)
Period
June 2012
June 2013
June 2014
Deposit
72864
87133
110292
Urban
Advances
80472
88914
104600
CD Ratio%
110.44
102.44
94.83
Variation
PPs
-8.00
-7.61
Observations:
During the review period, the CD Ratio of Urban areas has decreased by 7.61 PPs from 102.44% as at June-13 to 94.83% as at June-14.
This is for information of the House.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 25
Item No. 16.iv (v)
CD Ratio on the basis of credit as per utilization
and
Resource
support
under
Rural
Infrastructure Development Fund of NABARD
NABARD has provided resource support of `1992.90 crore up to June-2014 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 77.65%.
Item No. 16 iv (vi)
Credit plus Investment to Deposit Ratio
Investments made in the State Govt. bonds by the banks to the tune of `
1697.92 crore when added to the credit provided by banking system in the
State and the flow of credit has gone up to ` 185176.62 crore. For the period
ended June-2014 the “Credit plus Investment to Deposit Ratio” is as follows:(Amount
`
in
crore)
Deposits
238830
Advances plus investments
Government Bonds
185176.62
in
State (C+I)/D Ratio
77.53
(Detail of investment in securities & Bonds as per Annexure-12)
Item No. 16 iv (vii) CD Ratio of Financial System
Agenda papers of 129thMeeting of SLBC-Punjab
Page 26
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 82.77% as per detail given as under:(Amount ` in crore)
S.No. Particulars
1
2
3
4
Commercial Banks/RRBs.
Including Cooperative Banks
Including Punjab Agri. Dev.
Banks*
Including Financial
Institutions**
Deposits
Advances
238830
238830
238830
183479
195231
197399
CD
Ratio
76.82
81.74
82.65
238830
197684
82.77
*Advances PADB (2168.28) **Financial Institutions PFC (`124.30crore),
PSIDC
(` 161.61 Crore).
The CD Ratio of Financial System as at June-2014 is 82.77%.
This is for information of the House.
Item No.16 v
Priority Sector Advances
During the period under review, Priority Sector Advances in Punjab grew by
` 12287 crore, from ` 84703 crore as at June-2013 to `96990 crore as at
June-2014 thus showing a growth of 14.50% as against an increase of `
14368 crore or 20.42% during the corresponding period previous year.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 27
The share of incremental PS advances to incremental advances during the
period under review is 67%.
Item No. 16 vi
Agriculture Advances
The Agriculture Advances in the State during the period under review
witnessed an increase of ` 4542crore, from ` 42515 crore as at June-2013 to
` 47057 crore as at June-2014 thus showing a growth of 10.68% as against
an increase of ` 6633 crore or 18.48% during the same period last year.
The share of incremental agriculture advances to incremental advances during
the period under review is 24.79%.
Item No. 16 vii
Advances to Micro & Small Enterprises (MSEs)
The advances to Micro & Small Enterprises during the period under review
registered an increase of ` 8735 crore, from ` 32452 crore as at June-2013
to ` 41187 crore as at June-2014, thus showing a growth of 26.91% as
against an increase of ` 3693 crore or 12.84% during the corresponding
period previous year.
Item No.16 viii
Advances to Weaker Sector
Agenda papers of 129thMeeting of SLBC-Punjab
Page 28
During the period under review, the advances to Weaker Sector increased
by `5823 crore, from ` 25408 crore as at June-2013 to `31231 crore as at
June-2014, thus registering a growth of 22.91% as against an increase of `
4143 crore or 19.48% during the same period last year.
Item No. 16 (ix) DRI Advances
As per extant guidelines 10 loans per rural branch per quarter are to be made
by all Scheduled Commercial Banks.
The progress achieved in DRI Advances up to June-2014 is as follows:(Amount ` in Thousands)
Institution
Targets
Achievement
%age
(Accounts) Account
Amount Achievement
s
Public Sector Banks
62720
2722
20156
4.33
Private Sector Banks
18680
43
81
0.23
Total
81400
2765
20237
3.39
(Bank-wise performance is as per Annexure-13).
The controlling heads of banks are requested to initiate suitable
steps for improving the progress and achieving the targets for
number of loans under DRI scheme.
Item No. 17 Review of National Goals
Agenda papers of 129thMeeting of SLBC-Punjab
Page 29
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. It may be difficult for banks to arrive at such figures at State level
and 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.
The comparative position relating to achievement of National Goals in the
State is given below:Sr.
No
Particulars
a)
b)
Priority Sector Adv. to Net Bank Credit
Agriculture Adv. to Net Bank Credit
Out of above
i) Direct Agri. Adv. to Net Bank Credit
ii) Indirect Agri. Adv. to Net Bank Credit
Weaker Sector Adv. to Net Bank Credit
CD Ratio (Rural & Semi Urban)
Women Beneficiaries Advances to NBC
c)
d)
e)
Goal
%
%age Position as on
June June
June
2012 2013
2014
40
18
49.51
25.26
49.40
24.79
52.33
25.39
13.5
4.5
10
60
5
20.08
5.18
14.97
57.96
6.65
17.81
6.98
14.82
64.98
5.90
20.80
4.59
16.85
63.00
6.10
Bank-wise performance under National goals is as per Annexure-14(i) & 14(ii).
Observations:





The ratio of Priority Sector Advances to Net Bank Credit as at
June-14 stands at 52.33% as against National Goal of 40%.
The share of Agriculture Advances to Net Bank Credit, as at June14 is 25.39% against the National Goal of 18%.
The share of Direct Agriculture Advances to Net Bank Credit is
20.80% against National Goal of 13.5% and share of Indirect
Agriculture Advances is 4.59% against National Goal of 4.5%.
The advances to Weaker Sector are 16.85% of Net Bank Credit, as
against National Goal of 10%.
The CD Ratio of Rural & Semi Urban area is 63.00% against the
national goal of 60%.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 30

The advances to Women Beneficiaries constitute 5.90 % of Net Bank
Credit, against the National Goal of 5%.
The House may review.
Item No. 18 Education Loan achievement vis-à-vis targets.
The performance of Scheduled Commercial Banks as on 30.06.2014 for the
financial year 2014-2015 is as under:(Amount ` in Crore)
Year
Accounts
Balance O/S
Increase
Absolute
%age
June 2012
36440
1206.09
97.55
June 2013
June 2014
36031
35680
958.50
1108.98
-247.59
150.48
-20.52%
+15.69
(Bank-wise position as at June 2014 is as per Annexure-15).
Member Banks are requested to give more thrust for making advance
under this segment.
Item No. 18 (i)
Progress of Education loans to Women Students.
(Amount `. in Crore)
Total Amt advanced
during the quarter
No. of
account
1427
Amount
88.52
Out of which
advances made to
women student
during the quarter
No. of
Amount
account
547
31.12
% of advances made
to women student
No. of
account
38.33
(Bank-wise position as at June-2014 is as per Annexure-15).
Agenda papers of 129thMeeting of SLBC-Punjab
Page 31
Amount
35.15
During the quarter ended June-2014, the banks in the State of Punjab have
made 1427 education loans amounting to ` 88.52 crores, out of which 547
loans amounting to ` 31.12 crores have been made to female students. The
percentage of loans advanced to women comes to 38.33% & 35.15%
respectively for number of accounts and amount advanced.
This is for the information of the House.
Item No. 18 (ii)
Collateral Free Education Loans & Position of NPA.
As per RBI guidelines the banks are required to grant collateral free education
loan upto 4 lacs. Implemention of the guidelines of RBI is emphasized in each
meeting of SLBC. The relevant data in this regard for quarter ended March2014 is placed below:(Amt . ` in lakhs)
Number of
Education
Loan
accounts
outstanding
as at
quarter
ended
June-2014
Amount of
Education
Loan
outstanding
as at
quarter
ended June
2014
Out of 2,
NPA
outstanding
as at
quarter
ended June
2013
%age of
NPA under
Education
Loan as at
quarter
ended
June-2014
Out of 2,
education
loan
granted
collateral
free
Out of 5,
NPA
outstanding
as at
quarter
ended June
2014
%age of
NPA in
collateral
free
accounts
as on
June
2014
1
2
3
4
5
6
7
35660
110781
3966
3.58
46257
1999
4.32
(Bankwise detail as per Annexure-15 (i).
The House may discuss.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 32
Item No. 19
Rajiv Rinn Yojna (RRY).
The Ministry of Housing and Urban Poverty Alleviation (MH&UPA),
Government of India has designed a Revised Interest Subsidy Scheme-named
as Rajiv Rinn Yojana (or Rajiv Loan Scheme), as an additional instrument for
addressing the housing needs of the EWS/LIG segment in urban areas. The
Scheme envisages the provision of a fixed interest subsidy of 5% (500 basis
points) on interest charged on the admissible loan amount to EWS and LIG
segments to enable them to buy or construct a new house or for carrying out
addition (of a room/kitchen/toilet/ bathroom) to the existing building.
RRY has been formulated by modifying the Interest Subsidy Scheme for
Housing the Urban Poor (ISHUP) piloted in the 11th Plan period with enhanced
scope, coverage. Detailed guidelines of Rajiv Rinn Yojana are uploaded on the
Ministry’s website www.mhupa.gov.in.
The overall target for the 12th Plan period is 1 million dwellings across the
country and for the current financial year, countrywide target of 2.5 lakhs
dwellings has been fixed. Based on the criteria of Percentage Share of the
Urban Population/Urban Housing Shortage, the target for the State has been
fixed for 6000 Dwellings.
This is for information of the house.
Item No. 20
Advances to Minority Communities.
The comparative position is given below:
(Amount `in Crore)
Minority
Community
Muslims
June 12
A/Cs
Amt
O/S
13153
257.57
Agenda papers of 129thMeeting of SLBC-Punjab
June 13
A/Cs
Amt.
O/S
15750
368.68
%age
Growth
June13/
June 12
43.13
June 14
A/Cs
Amt.
O/S
12283
Page 33
275.64
%age
Growth
June14/
June 13
-25.23
Christians
Budhists
8937
149.76
8336
149.99
0.23
7603
144.01
-3.99
2296
5.31
282
4.51
-15.06
387
5.85
29.71
76
1.51
174
6.71
344.37
-61.84
Zoroastrians
Jains
Total
24462
414.15
24542
529.89
27.94
110
2.56
3063
369.38
23446
797.44
50.49
(Bank-wise position as at June 2014 is as per Annexure-16(i-ii)
The overall advances to minority communities have registered an increase of `
267.55 crore, from ` 529.89 crore as at June-2013 to ` 797.44 crore as at
June-2014, thus showing a growth of 50.49%. During the quarter ended
June-2014, banks disbursed advances to the tune of ` 160.62 crore to
borrowers belonging to minority communities. The bank-wise position is given
as per Annexure 16(i).
The House may discuss.
Item No. 20(i)
Advances to Women Beneficiaries
The comparative position of advances to women beneficiaries is given below:(Amount ` in Crore)
Year
Accounts
Amt. O/S
Increase
Absolute
June 12
June 13
June 14
311590
286126
331333
9451.66
10112.18
11307.89
2727.97
660.52
1195.71
%age to Net
Bank Credit
%age
40.57
6.98
11.82
6.12
6.16
(Bank-wise position as at June 2014 is as per Annexure-17).
The overall advances to women beneficiaries witnessed an increase of
`
1195.71 crore from ` 10112.18 crore as at June-2013 to ` 11307.89 crore as
at June-2014, thus registering a growth of 11.82%. In the State of Punjab,
Agenda papers of 129thMeeting of SLBC-Punjab
Page 34
the share of advances to women beneficiaries to Net Bank Credit as at June2014 stands at 6.16%, against the target of 5%. The bank-wise position in
respect of advances to women beneficiaries to total advances as at June 2014 is given as per Annexure-17(i).
During the quarter ended June -2014, banks have disbursed loans to the tune
of `1362.64 crore to women beneficiaries. The bank-wise position is given at
Annexure-17 (ii).
Item No. 20(ii)
Advances to SC Beneficiaries
The comparative position of advances to SC beneficiaries is given as under:-
(Amount ` in Crore)
Year
June 2012
June 2013
June 2014
Accounts
Balance Outstanding
343040
335213
334613
2777.15
3159.10
3597.44
Increase
Absolute
%age
381.95
438.34
13.75
13.87
[Bank-wise position as at June 2014 is given in Annexure-10(iii)].
The overall advances to SC beneficiaries witnessed an increase of `438.34
crore during the period under review, from ` 3159.10 crore as at June-2013 to
`3597.44 crore as at June-2014, thus showing a growth of 13.87%.
The House may review please
Agenda papers of 129thMeeting of SLBC-Punjab
Page 35
REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES
Item
No.21
Review of Govt. Sponsored Schemes & Programmes
Item
No.21 (i)
National
Rural
Livelihood
Mission
Implementation in the State of Punjab
(NRLM)-
It has been informed by Rural Development Department, Govt. Of Punjab,
that since SGSY scheme has been merged with newly started scheme NRLM,
so as per the directions of MORD no new SHG group are to be formed under
SGSY scheme w.e.f 31st March 2013 and data reporting also does 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 5 districts i.e. Patiala, Gurdaspur, Sangrur, Kapurthala, & Ferozepur on pilot
basis. The performance of these 5 districts is as per Annexure 18.
The representative of Department of Rural Development
requested to apprise the house the latest position.
Item No.21(ii)
Prime
Minister
Employment
Programme (PMEGP).
is
Generation
KVIC has informed the following progress under PMEGP for the year 2014-15
up to 30.06.2014:Particulars
KVIC
KVIB
DIC
Rural
Target
No. of Projects
760
Agenda papers of 129thMeeting of SLBC-Punjab
759
Total
Urban
503
504
Page 36
2526
Margin Money
(Rs. in Lakh)
Employment
Progress
Cases disbursed
Margin
Money
Released
Employment
900.60
899.78
596.50
596.50
2993.38
6080
6071
4028
4029
8057
51
156.57
58
95.18
85
141.78
174
393.53
165
149
645
959
Observations:
 A sum of Rs.393.53 lakhs has been disbursed as margin money in the
174 cases disbursed upto 30.06.2014 in which 959 unemployed youth
have been provided employment.
 District wise targets of KVIC/KVIB of margin money for the year 201415 have already been provided to the Lead District Manager.
The representative of KVIC/KVIB/DIC may inform the House
latest position.
Item No.21 (iii)
This is for information of the House.
Swarn Jayanti Shahari Rozgar Yojana (SJSRY)
State Urban Development Authority, Punjab has informed that Ministry of
Housing & Urban Poverty Alleviation, Govt of India has launched National
Livelihoods Mission (NULM) which will replace the existing Swarana
Jayanti Shashri Rozgar Yozna (SJSRY) during the 12th Five Year Plan.
However,the Scheme may be implemented effective from financial year 201415 ( 1st April 2014).
The representative of SUDA has further informed that no funds for
implementation of the scheme has been received from the Central
Government.
The representative of SUDA may apprise about the latest position in
this regard.
Item No.21(iv) Micro Financing – Self Help Groups
Agenda papers of 129thMeeting of SLBC-Punjab
Page 37
The summary of progress made in implementing the concept of Self Help
Groups both under the Scheme of SGSY and Normal Lending up to
30.06.2014 is given below:SHGs
Gap
From 01.04.2014
As on 31.03.2014 As on 30.06.2014 between
up to 30.06.2014
SHG
No. of
No. of
No. of
No. of formed & No. of
No. of
SHGs
SHGs
SHGs
SHGs credit
SHGs
SHGs
formed
credit
formed
credit linked
credit
as formed
linked
linked on
linked
30.06.2014
31264
SHGs
21398
31819
21826
9993
555
428
(District wise Progress is as per Annexure-19&19(i)
(Bank wise Progress is as per Annexure-19 (ii)
Observations
 Up to 30.06.2014, 31819 Self Help Groups have been formed out of
which 21826 Groups have been credit linked since inception of the
scheme.
 The gap between the SHGs formed & linked with bank credit is 9993.
 During the period ended up to June 2014, in all together 555 Groups
have been formed.
 The pace of formation & credit linkage of SHGs needs to be accelerated.
The House may discuss.
Item No.21(v)
Joint Liability Groups (JLG)
Agenda papers of 129thMeeting of SLBC-Punjab
Page 38
The district-wise summary of progress made in implementing the concept of
Joint Liability Groups (JLGs) upto 30.06.2014 is given hereunder:Progress upto
Progress
March 2014
during the current
quarter
7062
1389
Cummulative
Progress
8451
District wise Progress is as per Annexure-19(iii)
This is for information of the House.
Item No. 22
Item No. 22(i)
Annual Credit Plan 2014-15
Annual Credit Plan 2014-15
30.06.2014
Achievements up to
The achievement under Annual Credit Plan (2014-15) up to June-2014 is given
below:(Amount ` in crore)
Sector
ACP 2013-14 up to
June 2013
Targets
Ach.
% Ach.
Agriculture
15878
18480
116
MSE
3704
2675
72
Agenda papers of 129thMeeting of SLBC-Punjab
ACP 2014-15 up to
June 2014
Targets
Ach.
% Ach.
19891
20391
103
5417
3815
70
Page 39
Education
Housing
Others
Total
504
1255
1630
22971
148
493
2423
24221
29
39
149
105
586
1408
2430
29733
252
761
2247
27466
43
54
92
92
Bank-wise & District-wise disbursement under ACP Annexure-20 & 21
Bank-wise & District-wise Targets vis-à-vis Achievements under ACP Annexure-22(i-ii)
Bank-wise & District-wise outstanding under ACP Annexure-23(i-ii)
Observations:

As against overall targets of ` 29733 crore, Banks have disbursed
loans to the order of ` 27466 crore, The percentage achievement
works out to 92%.

As against target of ` 19891 crore under agriculture & allied sector,
Banks have disbursed ` 20391 crore. The achievement is 103%.

Banks disbursed loans amounting to ` 3815 crore against the target
of
` 5417 crore set forth for MSE. The achievement comes to
70%.

Banks disbursed education loan amounting to ` 252 crore against
target of ` 586 crore. The achievement comes to 43%.

Banks disbursed Housing loan of ` 761 crore against the target of
` 1408 crores. The achievement comes to 54%.

Banks disbursed loans to the tune of ` 2247 crore under Other
Priority Sector against the target of ` 2430crore. The achievement
comes to 92%.
District wise Analysis
The perusal of district-wise progress up to June-2014 under ACP
given at Annexure 22 which reveals as under:Agenda papers of 129thMeeting of SLBC-Punjab
Page 40
2014-15 is






The overall targets have been exceeded in 13 districts i.e. Barnala,
Bathinda, Faridkot, Fazilka, Ferozepur, Gurdaspur, Kapurthala, Mansa,
Moga, Muktsar, Nawanshahar, Pathankot & Patiala and missed by varying
margins in other districts.
Similarly, the targets under Agriculture & Allied Sector have been
achieved in 15 districts i.e.Barnala, Faridkot, Fatehgarh Sahib, Fazilka,
Ferozepur, Gurdaspur, Jalandhar, Kapurthala, Mansa, Moga, Muktsar,
SBS Nagar, Pathankot, Patiala & Sangrur and missed by varying margins
in other districts.
The targets under MSE Sector have been exceeded in 5 Districts i.e.
Amritsar, Fazilka, Bathinda, Faridkot & Moga varying margins in remaining
districts.
Likewise, the targets under Education loans have been achieved in 3
districts only i.e. Hoshiarpur Pathankot & Ropar districts & missed by
varying margins in remaining Districts.
The targets under Housing Sector have been exceeded in 2 Districts only
i.e. Hoshiarpur & Ropar districts & missed by varying margins in
remaining districts.
The targets under Other Priority Sector have been achieved in 7 Districts
i.e. Amritsar, Bathinda, Faridkot, Ludhiana, Mansa, Moga & Muktsar &
missed by varying margins in remaining districts.
Bank-wise Progress
The study of bank-wise progress given as per Annexure 23 reveals as
follows:Agriculture & Allied Activities
 As against target of ` 10973 crore under agriculture sector,
Commercial Banks, have disbursed loans amounting to `10093 crore.
The achievement works out to 92%.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 41
 As against target of ` 1699 crore under agriculture sector, Private
Sector Banks, have disbursed loans amounting to `2606 crore. The
achievement works out to 153%.
 RRBs have disbursed loans amounting to ` 1642 crore under
agriculture sector as against target of ` 1221 crore, thus showing
achievements of 134%.
 Cooperative Banks have disbursed loans amounting to ` 5931 crore
against targets of ` 5755 crore. The achievement comes to 103%.
MSE Sector
 As against target of ` 4436 crore under this sector, Commercial Banks
have disbursed loans amounting to ` 2431 crore. The achievement
comes to 55%.
 As against target of ` 761 crore under this sector, Private Sector
Banks have disbursed loans amounting to ` 1337 crore. The
achievement comes to 176%.
 RRBs have disbursed loans amounting to ` 9 crore under this sector
as against target of ` 21 crore, the achievement comes to 44%.
 Cooperative Banks have disbursed loans amounting to `3778 crore
against target of ` 5218 crore the achievement comes to 72%.
Education
Agenda papers of 129thMeeting of SLBC-Punjab
Page 42
 As against target of ` 492 crore under this sector, Commercial Banks
have disbursed loans amounting to ` 217 crore, the achievement
comes to 44%.
 As against target of ` 50 crore under this sector, Private Sector Banks
have disbursed loans amounting to ` 32 crore, the achievement
comes to 64%.
 RRBs have disbursed loans amounting to ` 1 crore under this sector
as against target of ` 6 crore, thus achieving the target by 14%.
 Cooperative Banks have disbursed loans amounting to ` 1 crore
against target of ` 32 crore, thus achieving the target by 2%.
Housing
 As against target of ` 1110 crore under this sector, Commercial Banks
have disbursed loans amounting to ` 589 crore, the achievement
comes to 53%.
 As against target of ` 155 crore under this sector, Private Sector
Banks have disbursed loans amounting to ` 112 crore, the
achievement comes to 73%.
 RRBs have disbursed loans amounting to ` 13 crore under this sector
as against target of ` 16 crore, thus achieving the target by 80%.
 Cooperative Banks have disbursed loans amounting to ` 13 crore
against target of ` 83 crore, thus achieving the target by 16%.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 43
Other Priority Sector
 As against target of ` 1686 crore under this sector, Commercial Banks
have disbursed loans amounting to ` 1454 crore, the achievement
comes to 86%.
 As against target of ` 252 crore under this sector, Private Sector
Banks have disbursed loans amounting to ` 372 crore, the
achievement comes to 147%.
 RRBs have disbursed loans amounting to ` 14 crore under this sector
as against target of ` 22 crore thus achieving the target by 65%.
 Cooperative Banks have disbursed loans amounting to ` 348 crore
against target of ` 421 crore, thus achieving the target by 83%.
The house may review the progress.
Item No. 22(ii)
NPA in Agriculture Sector
The position of NPAs under Agriculture Loans in the State of Punajg as on
30.06.2014 is given as under:
( ` in Crore )
Outstanding under
Agriculture Loans
No. of
Amount
Accounts
2700118
55913
NPA under
Agriculture loans
No of
Amount
Accounts
78375
1508
%age of
Total
NPA to
Advances
Agri.
advances
2.70
195230
(Bank wise progress is as per Annexure-24)
Agenda papers of 129thMeeting of SLBC-Punjab
Page 44
%age of
NPA to
total
advances
0.77
NPA under Agriculture are to the tune ` 1508 cores which is 2.70% of
agriculture advances outstanding and 0.77% of total advances respectively
in the State.
This is for the information of the House.
Item No.23
Grant in aid under National Mission on Food
Processing by Department of Food Processing
Punjab.
Ministry of Food Processing has launched new centrally sponsored National
Mission for Food Processing with an objective to augment food processing
capacity and to raise the standard of food quality, safety and hygiene beside
other objectives.
The representative of Department of Food Processing (Punjab) is
requested to apprise the house through Power Point Presentation
about the Scheme.
Item No. 23(i)
Indira Gandhi Matritva Sahyog Yojana (IGMSY)
Indira Gandhi Matritva Sahyog Yojana (IGMSY) is a flagship program of
the Government of India introduced in 2010 under the Ministry of Women and
Child Development. It is a conditional cash transfer scheme that targets
pregnant and lactating women 19 years of age and older who have had two
Agenda papers of 129thMeeting of SLBC-Punjab
Page 45
children. Its goal is to partly compensate them for wage-loss during
childbirth and childcare and to provide conditions for safe delivery and good
nutrition and feeding practices. IGMSY provides financial assistance as grantin-aid to state governments. The cash benefit transfer to be made through
Aadhaar in two districts in the state i.e. Amtitsar and Kapurthala. The
linkage of beneficiaries with their Aadhaar nos. is to be done in these districts
with their respective LDMs. For this, a letter had been issued (S7(ICDS/2014/14916) on 19.05.2014. The lists of beneficiaries for both the
districts are shared by the department with the LDMs which is required to get
seeded at the earliest.
The representative of Deptt. of Social Security Woment & Child
Development is requested to apprise the latest in the matter.
Item No.24
Farmers’ Club Programme
The cumulative progress achieved in formation of Farmers’ Clubs in Punjab as
at 30.06.2014 is as follows:Farmers’ Clubs Formed
Progress during 2014-15
up to June 2014
Cumulative Position
as at June 2014
19
2503
During the financial year 2014-15, Commercial banks in Punjab have
launched/ established 19 new Farmers’ Clubs.
The House may review the progress.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 46
Item No.25 National Horticulture Board & National Horticulture
Mission
(i)
The summary of the progress achieved in LOI cases of National
Horticulture Board is as follows:-
(Amount ` in Lakh)
Year
LOI Issued
Cases
Subsidy Released
disbursed
2010-11
25
62
209.63
2011-12
11
15
688.23
2012-13
4
3
6.60
2013-14
22
21
622.62
2014-15
8
3
260.18
The House may review the progress.
Item No. 26
Advances to Industrial Sector
Item No. 26 (i) Credit to Micro,
(MSME)
Agenda papers of 129thMeeting of SLBC-Punjab
Small & Medium Enterprises
Page 47
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:
a. 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
b. 20% of total
(manufacturing)
above ` 10 lakh
` 4 lakh.
advances to MSE sector should go to micro
enterprises with investment in plant & machinery
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,
 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.
The comparative position of credit outstanding to MSE is as follow:Agenda papers of 129thMeeting of SLBC-Punjab
Page 48
(Amount ` in crore)
Particulars
Micro
Enterprises
Small
Enterprises
Micro & Small
Enterprises
(MSE)
Share of
advances to
Micro
Enterprises /
MSE
Medium
Enterprises
(ME)
MSME
June 2012
Accounts Amount
212716
11446
June 2013
Accounts Amount
233232
13116
June 2014
Account Amount
292226
17397
56918
17397
70862
19336
74298
23859
269634
28843
304094
32452
366524
41256
Not
Applicable
40%
Not
Applicable
41%
Not
Applicable
42%
3874
6801
2794
7226
3467
8296
273508
35644
306888
39678
369991
(Bank-wise performance is as per Annexure 25).
49558
Observations :
 In the State of Punjab, banks have provided credit to the tune of `
41256 crore to 366524 Micro & Small units up to June-2014 as against `
32452 crore to 304094 units as at June-2013. The annual growth in
number of micro enterprises accounts is 20.53% against the target of
10%.
 The YoY growth of credit to MSEs is 27.12% against the target of 20%.
 The share of advances to micro enterprises to total MSE as at June2014 is 42% against stipulated level of 60% required to be achieved for
2012-13.
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.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 49
Item No. 26.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 June-2014 is given below:-
Institution
Number of
U/SU
Branches
Commercial
Banks
RRBs
Total
3002
69
3071
(Amount ` in Crore)
New SME Units Financed
Per Branch
New SME
Number
Amount
Accounts
Opened
23611
4167
7.87
153
23764
0.50
4167.50
2.22
7.74
(Bank-wise performance is as per Annexure 25(i).
Observations
 During the period upto June-2014, 3071 Urban/ Semi Urban branches
of banking system in Punjab have financed 23764 new accounts under
SME sector.
 The per branch new SME account comes to 7.74 as against annual
target of 5 cases per branch.
The performance is satisfactory.
Item No. 26.i (b)
Collateral Free Loans to MSME
Agenda papers of 129thMeeting of SLBC-Punjab
Page 50
The position for the quarter ending June-2014 is summarized below:-
(Amount ` in Lakh)
Period
New MSEs loans upto ` 10 lakh
Out of which
collateral free loans
Quarter
No. of units
Amount
No. of units
Amount
June-2012
6068
28205
4763
20180
June-2013
7622
23572
6133
18211
June-2014
8922
34966
7511
30859
ended
(Bank wise information is as per Annexure-26)
Banks have provided loans up to ` 10 lakh to 8922 MSE units during the
quarter ended June-2014, out of which collateral free loans have been
provided to 7511 units which means the coverage is 84%.
As per extant guidelines, all loans upto ` 10 lacs to SME are mandatorily to be
given without taking any collateral security.
Some banks namely OBC, UCO Bank, Andhara Bank, BOM,Canara Bank, IOB,
Syndicate bank,UBI, IDBI Bank, HDFC Bank, have not ensured 100% loans in
this category are collateral free.
The house may review.
Item No. 26.i (c)
Position of NPA in MSME advances
The relevant data in this regard for quarter ended June 2014 is placed below:(Amt. in ` crore)
Agenda papers of 129thMeeting of SLBC-Punjab
Page 51
Number of
MSME Loan
accounts
outstanding as
at quarter
ended June2014
Amount of
MSME Loan
outstanding as
at quarter
ended June2014
Out of 2, NPA
outstanding as
at quarter
ended June2014
%age of NPA
under MSME
Loan as at
quarter ended
June-2014
Out of 2,
MSME loan
granted
collateral
free
Out of 5,
NPA
outstanding
as at
quarter
ended June2014
1
2
3
4
5
6
369991
49552
2756
5.56
4582
527
(Bankwise detail as per Annexure-27)
The House may discuss.
Item No. 26.i (d)
Review of Growth in MSE Accounts.
The relevant data in respect of Commercial Banks for quarter ended March-2014 is
placed below:(Amt . in ` lacs)
MICRO ENTERPRISES A/cs
MICRO & SMALL ENTERPRISES
No. of
Accounts as
on
31.03.2014
New
accounts
opened
during the
Financial
year upto
June-2014
% growth
in number of
Accounts
Credit
Outstanding
as on
31.03.2014
Credit
provided
during the
Year upto
June-2014
% growth in
credit.
273324
17232
6.30
41582
4218
10
(Bank-wise position as per Annexure-28)
Observations:
Agenda papers of 129thMeeting of SLBC-Punjab
Page 52
During the period under review the Commercial Banks in the State opened
17232 new accounts of Micro Enterprises showing prorata growth of 6.30%
in the number of accounts opened during last fiscal year.
Banks in the State have provided fresh credit to the tune of ` 4218 crores to
MSE during the period under review, thus showing a growth of 10%.
This is for information of the House.
Item No. 26.i (e)
Position of Sick MSEs.
The position of sick SME units as at June 2014 is as follows:(Amt. `.in Crores)
SME
units SME units classified as
identified as
sick
as
at
30.06.2014
Units Amt.
Viable
Non viable
Units Amt. Units Amt.
8397
1479.71
103
200.21
8212
1194.27
Units under Units where
nursing
viability
decision yet
to be taken
Units Amt. Units Amt.
72
191.53
82
85.23
(Sector wise position is as per Annexure-28(i).
Item No. 27
Credit Guarantee Fund Scheme for Micro & Small
Enterprises
The comparative position of coverage under the scheme is as follows:-
Agenda papers of 129thMeeting of SLBC-Punjab
Page 53
(Amount ` in lakh)
Cumulative Coverage
As on 31.03.2014
Accounts
Amount
28263
190036
Coverage
during 2014-15
(Upto June 2014)
Cumulative Position
as at June 2014
Accounts
Amount
2694
22068
Accounts
Amount
30957
212104
(Bank wise performance is as per Annexure-29)
Observations
 The banks, up to June-2014, have covered 30957 MSE units amounting
to ` 212104 lakh under the Credit Guarantee Fund Scheme.
 Up to the period ended June-2014, banks have covered 2694 cases
under the scheme amounting to ` 22068 lakh.
The house may review the performance.
Item No.28
Recovery of Banks' Dues - Pending Recovery
Certificates under State Recovery Acts
The position as at June 2014 of pending Recovery Certificates filed under
State Recovery Acts is given below:(Amt. ` in lac)
S. No. Particulars
i
ii
iii
iv
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.
Agenda papers of 129thMeeting of SLBC-Punjab
No. of RCs
Amount
110
942
181
1684
2266.71
362.99
94
339.74
Page 54
v
Out of (ii) above, cases pending
for more than 1 year.
667
1563.98
(District-wise & Bank wise position is as per Annexure 30 & 30(i)
Observations

As many as 942 cases filed under State Recovery Acts involving a sum
of ` 2266.71 lakh are lying pending with Recovery Officers. 667 RCs
with amount outstanding to the tune of ` 1563.98 lac are pending for
more than 1 year. The pendency in respect of RCs for more than One
year is mainly in respect of Amritsar, Bathinda, Ferozepur, Muktsar &
Tarn Taran Districts and of Punjab National Bank, P&SB, OBC, SBI,
SBOP, Central Bank & Punjab Gramin Bank.
Revenue Department is requested to expedite recovery in pending
cases.
Item No. 29 Delay in taking possession of assets by Chief
Metropolitan Magistrates/District Magistrates under
section 14 of SARFAESI Act 2002.
Department of Institutional Finance & Banking vide their letter dated
10.09.2012 has desired to review the position of pending cases under
SARFASAI in the State of Punjab. The Bank wise position of pending cases
under as on 30.06.2014 is as under:(Amt in Lacs)
No. of Pending
Cases with
Metropolitan
Magistrates/District
Magistrates
171
Cases pending
for more than
one Month
Amount
Involved
140
11418
(Bank wise Position is as per Annexure 31)
This is for information of the House.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 55
Item NO. 30
Yearly Calendar of holding SLBC meetings
For the calendar year 2014, the dates for holding SLBC meetings for the State
of Punjab are as under:Sl. No
128th SLBC
Quarter for which
Proposed date and day of holding
data is to be reviewed SLBC meetings
March, 2014
12th May 2014
(Monday)
st
(Postponed to 21 May 2014)
129th SLBC
June, 2014
13th August 2014
(Wednesday)
130th SLBC
Sept., 2014
13th November 2014 (Thursday)
131st SLBC
Dec., 2014
12th February 2015
(Thursday)
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.No.
1
2
Activity
To be completed by (Date)
Preparation of calendar of SLBC 15th of January every year
meetings and intimation to all concerned
of the cut off dates of submission of data
and dates of meetings as per dateline
given below:Reminder regarding the exact date of 15 days before the end of the
meeting and submission of data by quarter
banks to SLBC
Agenda papers of 129thMeeting of SLBC-Punjab
Page 56
3
4
5
6
7.
Dead line for receipt of data by SLBC
Convener Bank
Distribution of agenda cum background
papers
Holding of SLBC Meeting
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
Forwarding the minutes of the meeting Within 10 days from the
to all stakeholders
holding the meeting
Follow up of action points emerged from To be completed within 30
the meeting
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.
Item NO. 31
Punjab Sarv Sehat Bima Yojana-Implementation.
In order to provide cashless health insurance to entire population in the State,
Department of Health and Family Welfare, Punjab is implementing Punjab
Sarv Sehat Bima Yojana in the State and DIF&B is the Nodal Agency for
implementation of the scheme.
A meeting of controlling heads of banks having lead bank responsibilities,
insurance companies and representative of Department of Health and Family
Welfare, Punjab was organized by Department of Institutional Finance and
Banking and convened on 08.07.2014.
The representative of Deptt of IF&B is requested to apprise the
house about the latest position in this respect.
Item No.32
Financing of Tenant Farmers / Oral Lessees and
Share Croppers
Agenda papers of 129thMeeting of SLBC-Punjab
Page 57
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.
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.
The representative of Agriculture/IF&B Department is requested to
apprise the house latest position in the matter.
In the 2ndSteering Committee meeting to SLBC held on 25.07.2014, the
representative of RBI apprised the house that Reserve Bank of India has
already issued instructions to the Controlling Heads of all the banks vide their
circular letter no. RPCD.PLFS.BC.No.22/05.04.02/2008-09 dated August 26,
2008. He requested all the member banks to go through these instructions
and make advance under the scheme.
This is for information of the House.
Any other issue with the permission of the Chair
Agenda papers of 129thMeeting of SLBC-Punjab
Page 58
ITEMS FOR INFORMATION OF THE MEMBERS
Item No. 33
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
send the progress to the Convener Bank.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 59
Item No. 34
Indira Gandhi Matritva Sahyog Yojana (IGMSY)
During the deliberation in the 2nd Steering Committee meeting to
SLBC, the representative of the Department informed that Indira
Gandhi Matritva Sahyog Yojana (IGMSY) is a flagship program of the
Government of India introduced in 2010 under the Ministry of Women and
Child Development. It is a conditional cash transfer scheme that targets
pregnant and lactating women 19 years of age and older who have had two
children. Its goal is to partly compensate them for wage-loss during childbirth
and childcare and to provide conditions for safe delivery and good nutrition
and feeding practices. IGMSY provides financial assistance as grant-in-aid to
state governments. The cash benefit transfer to be made through Aadhaar
in two districts in the state i.e. Amtitsar and Kapurthala. The linkage of
beneficiaries with their Aadhaar nos. is to be done in these districts with their
respective LDMs. For this, a letter had been issued (S-7(ICDS/2014/14916) on
19.05.2014. The lists of beneficiaries for both the districts are shared by the
department with the LDMs which is required to get seeded at the earliest.
The representative of Department of Social Security and Child
Development and concerned LDMs are requested to apprise the
progress in the matter.
Item No.35
Basic Banking Accounts and issuance of GCCs
The progress achieved by banks in opening of Basic Banking Accounts and
issuance of GCCs up to June-2014 in Punjab State is as follows:(Amount ` in Lakh)
Agenda papers of 129thMeeting of SLBC-Punjab
Page 60
Basic Banking Accounts
GCCs Outstanding
Opened
Number
Amount
Number
Amount
4992542
185807
53602
12331
(Bank wise progress under Basic Banking Accounts is as per Annexure 32)
(Bank wise progress under issuance of GCCs is as per Annexure 33)
Observations:

Banks during the quarter ended June-2014 have opened 302967 “Basic
Banking Accounts” having balance of ` 40872 lakh.
Banks during the quarter ended June-2014, have issued 2285 GCCs
amounting to ` 609 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 36
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.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 61
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.37
Dairy
Entrepreneurship
Scheme.
Development
(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 vis-à-vis
targets under the scheme upto q.e. June-2014 is as under:-
Targets under DEDS
For 2014-15
Achievements up to
30.06.2014
2031
3405
(Amt.in Lacs)
%achievement
168
This is for information of the house.
Item No.38
Swarojgar Credit Card Scheme
The progress up to March-2014 under the Scheme is as under:-
Particulars
Annual Target (Nos.)
Agenda papers of 129thMeeting of SLBC-Punjab
Commercial
Banks
5000
RRBs
2000
(Amt. ` in Lac)
Coop.
Total
Banks
3000
10000
Page 62
No. of SCCs Issued
87
666
113
Amount Disbursed
25
259
36
(Bank-wise progress is as per Annexure-34)
866
320
The analysis of the data reveals that against the annual target of 10000
Swarojgar Credit Cards (SCCs), Banks, up to June-2014 have issued 866 cards
amounting to ` 320 lac.
The house may review the progress please.
Item No. 39
Kisan Credit Card (KCC) Scheme
The progress achieved by banks in implementing Kisan Credit Card scheme up to
31.03.2014 is given below:-
(Amt. ` in crores)
Period
Sanctioned
Disbursed
Outstanding
No. of
Amount
No. of
Amount
No. of
Amount
KCCs
KCCs
KCCs
Commercial Banks
2006-2007
127378
1922.72
126600
1991.76
125885
1968.40
2007-2008
132795
2740.04
132217
2705.51
130283
2610.29
2008-2009
165774
3717.19
165218
3601.61
164644
3536.68
2009-2010
148942
3660.91
147827
3572.18
147453
3562.37
2010-2011
208279
5286.39
196436
5162.14
168840
2477.68
2011-2012
238586
8347.89
237801
8138.17
235003
7930.88
2012-2013
284701
11276.01
284076 10819.74
212615
8747.40
2013-2014
333958
18662.62
333186 18489.25
293747 14203.93
Since
2414449
63951.64 2329686 61812.13
918257 33009.85
inception
up to June2014
Cooperative Banks
Agenda papers of 129thMeeting of SLBC-Punjab
Page 63
2006-2007
33937
205.78
2007-2008
35494
601.51
2008-2009
18570
157.57
2009-2010
16216
749.47
2010-2011
22417
332.44
2011-2012
8095
149.25
2012-2013
17521
239.31
2013-2014
15804
192.45
Since
977471
7652.44
inception
up June2014
Total since 3391953 71589.25
inception
33937
35494
18111
16216
22415
8077
17521
15804
977451
205.78
601.51
139.62
749.47
282.78
148.87
239.31
192.45
7575.40
33937
35494
18111
16216
14241
8075
17521
15804
985109
205.78
601.51
139.61
749.47
175.27
148.02
239.31
192.45
6093.33
3307168
69399.65
1903387
39115.30
(Bank-wise progress up to March-2014 is as per Annexure -35)
Highlights
 From 1st April 2014 to 30th June 2014, the Commercial Banks have
sanctioned 65964 Kisan Credit Cards amounting to ` 3443.60 crores
and disbursement has been completed in 65803 cases to the extent
of ` 3286.28 crores. In addition to this, during the same period,
Cooperative Banks have sanctioned 3550 Kisan Credit Cards
amounting to ` 32.62 crores.
 Since inception of the scheme, Commercial and Cooperative Banks
jointly have sanctioned kisan credit cards to 3391953 farmers
amounting to ` 71589.25 crores in the State, out of which
disbursement has been made to farmers to the tune of ` 69399.65
crores. On cumulative basis, there are 1903387 outstanding KCCs
amounting to ` 39115.30 crores as at 30.06.2014.
This is for information of the House.
Item No. 39(i)
KCC-ATM cum Debit Cards position.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 64
The position of KCC outstanding and the number of ATM Debit Card issued
to the KCC holders as on 30.06.2014 is as under:KCC outstanding
as on June-2014
2700118
ATM-cum Debit card
issued
up to June-2014
485181
No. Of KCC holders
without ATM cards.
1418206
(Bank wise position is as per Annexure-35(i)
This is for information of the house.
Item No. 40
Golden Jubilee Rural housing Finance Scheme
The progress achieved under the scheme up to 30.06.2014 is given below:
(Amount ` in lac)
During quarter ended June-2014
Sanctioned
No.
1042
Disbursed
Cumulative up to June-2014
Sanctioned
Amt.
No.
Amt.
No.
Amt.
9072
1030
7251
1042
9072
Disbursed
No.
Amt.
1030 7251
(Bank-wise position is given as per Annexure 36).
Observations:

During the quarter ended June-2014, under Golden Jubilee Rural
Housing Scheme, banks have sanctioned loans to 1042 beneficiaries
amounting to ` 9072 lac and disbursement has been completed in 1030
cases to the tune of ` 7251 lac under the Scheme.
Agenda papers of 129thMeeting of SLBC-Punjab
Page 65
This is for information of the members.
Item No. 41
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 June-2014 is given below:
(Amt. ` in crore)
Sr.
Particulars
Previous quarter Current quarter
No.
ended Marchended June2014
2014
No.
Amount
No.
Amount
a)
Loans
sanctioned
9319
1814.69
7501
1305.23
to SSI
b)
Out of (a) above,
loans sanctioned
as per Nayak
Committee Norms.
5436
1275.03
4112
(Bank-wise performance is as per Annexure-37)
Highlights
Agenda papers of 129thMeeting of SLBC-Punjab
Page 66
861.43
During the quarter ended June-2014, banks have sanctioned loans
amounting to ` 1305.23 crore to 7501 SSI units. Out of these, loans
amounting to `861.43 crore have been sanctioned to 4112 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 55% 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. 42 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 30.06.2014 made
under different schemes conveyed by NABARD is placed below:(Amount ` in lakh)
S.No.
Scheme
Cases
1.
3.
4.
5.
Cold
Storage
Rural
Godowns
ACABC
CLCSS
AMI
6.
NPOF
2.
Cold
Bank Loan
132
Financial
Outlay
17102
10160
Subsidy
Sanctioned
3152
1491
133499
97407
18887
9
395
1762
78
15289
79785
56
10830
56693
25
2656
15653
132
868
513
160
Capital Investment Subsidy Scheme (CSISS) for construction /renovation
Agenda papers of 129thMeeting of SLBC-Punjab
Page 67
Storage
/ modernization of cold storages
Rural
CISS for Rural Godowns
Godowns
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.
SLBC
& BANKS
COMMITTED TO
TOTAL FINANCIAL
INCLUSION IN THE STATE
Agenda papers of 129thMeeting of SLBC-Punjab
Page 68