AGENDA: 1 118th SLBC - slbctn.com

AGENDA: 1 127th SLBC

CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING

The minutes of the 126th State Level Bankers‟ Committee Meeting convened

on 29.06.2011 (already circulated vide SLBC letter dated 26.07.2011) may be

confirmed.

AGENDA No: 2

Follow-up action on the decision of the earlier meetings:

Notification of Centres for Deposit Of Title Deeds for Creation of

Equitable Mortgage Transaction (EMT)

SLBC Convenor requested the Principal Secretary, Finance, Government of

Tamil Nadu vide SLBC letter dated 11.01.2011, with a copy of the above GO

of Government of Kerala, to arrange for notification of all centres in Tamil

Nadu where Bank Branches are located on the lines done in Kerala.

State Government is again requested to notify all the centres where bank

branches are located as notified centres.

2

AGENDA No: 3 127th SLBC

New Issues

1. Providing Banking services in every village having population of

over 2000

The details of revised list of villages (4385) having population over 2000

identified and allotted to various Banks by DCCs for extension of banking

services were placed in the SLRM 2010.

As per the plan submitted by member banks, 2188 villages have to be

covered in 2010-11 and 2197 villages in 2011-12.

As per the Quarterly progress report submitted by Banks as per

Annexure B, 2505 villages have been covered as on 30.06.2011. The details

are furnished in the annexure.

Member Banks are requested to ensure extension of banking services to

villages as per plan submitted by them and ensure 100% achievement by

December 2011 as decided earlier.

It is a matter of grave concern that following banks have not rolled out

Financial Inclusion even in a single village till 30.06.2011.

Sl No. Name of the Bank No. of Villages

allocated

No. of Villages where Banking outlet opened upto

the end of the quarter (As on 30.06.2011)

1 Allahabad Bank 8 0

2 Andhra Bank 10 0

3 Bank of India 110 0

4 Dena Bank 3 0

5 OBC 2 0

6 Punjab National Bank 44 0

7 State Bank of Mysore 14 0

8 SBT 14 0

3

Sl No. Name of the Bank No. of Villages

allocated

No. of Villages where Banking outlet opened upto

the end of the quarter (As on 30.06.2011)

9 UCO Bank 39 0

10 Vijaya Bank 9 0

11 Axis Bank Ltd 1 0

12 CSBL 3 0

13 Ing Vysya Bank Ltd. 2 0

14 TMBL 33 0

15 Pallavan Grama Bank 59 0

GRAND TOTAL 351 0

4

PL REFER SHEET 1 IN XL FILE

XL%20FILE.xls

5

New Issues 127th SLBC

2. Financial Inclusion

A) As per the information received from LDMs, Total Financial Inclusion

is achieved in Districts like Cuddalore, Kanyakumari, Tiruvarur and Madurai.

LDMs / DCC convenors of remaining Districts are requested to give the

present status under Financial Inclusion in the format and expedite

achievement of 100% Financial Inclusion, as advised vide SLBC letter dated

27.04.2010.

B) SLBC has been requesting State Government to route the benefit

payments like wages under NREGA etc through Bank accounts. In SLRM

2010 held on 14.12.2010, Principal Secretary, Finance, Government of Tamil

Nadu informed the forum that State Government is open to the idea. Banks

have already opened a large number of no fills accounts for the beneficiaries

under NREG, besides reaching out to the door steps of the people in villages

having population over 2000. The State Government already commenced

disbursement of Old Age Pension through Banks from September, 2011 on a

pilot basis in one taluk each in three Districts viz. Trichy, Cuddalore and

Kanyakumari. They are also contemplating to route the payments under

Dr.Muthulakshmi maternity benefit scheme through Banks. The State

Government is once again requested to route NREGA payments and all other

subsidies/ grants also through Banks.

C) RBI, Chennai vide letter dated 17.12.2009 has called for statistical

data (in a prescribed format) on ICT based Financial Inclusion from member

Banks in Tamil Nadu. SLBC is collecting, compiling and submitting to RBI.

Member Banks are requested to furnish the data on time to SLBC.

D) The progress made by the Member Banks under Financial Inclusion as of

June 2011 is furnished in the Annexure. DCC Convenors /LDMs are

requested to ensure submission of the data on financial inclusion to SLBC for

review on time.

6

Annexure

Progress under Financial Inclusion by Banks - Cumulative position

As of June 2011

S.No Name of the Bank

'No-Frills’

a/c

opened

(Nos)

General

Purpose

Credit Cards

issued (Nos)

Overdraft

granted in

No-Frills SB

a/c

(Nos)

Smart Cards

issued

(Nos.)

1 Allahabad Bank 8887 0 0 0

2 Andhra Bank 3721 12 0 0

3 Axis Bank Ltd. 7850 0 0 0

4 Bank of Baroda 40687 121 0 940

5 Bank of India 165220 2451 11445 0

6 Bank of Maharashtra 1223 0 295 0

7 Canara Bank 530989 56362 732 11301

8 Central Bank of India 85439 5124 73 17805

9 Corporation Bank 148953 4952 0 0

10 Catholic Syrian Bank Ltd. 11055 2 0 0

11 City Union Bank Ltd. 47940 0 0 2581

12 Dena Bank 18520 20 0 0

13 Dhanalakshmi Bank Ltd. 15775 0 0 0

14 Federal Bank Ltd. 7221 9 0 37

15 HDFC Bank Ltd. 71884 2034 0 0

16 ICICI Bank Ltd. 133755 33 0 0

17 Indian Bank 1684937 2908 17940 141644

18 Indian Overseas Bank 1294652 5126 343 40029

19 Indus Ind Bank Ltd. 1752 0 0 0

20 IDBI Bank 13734 1 0 0

21 ING Vysya Bank Ltd. 313 0 8 0

22

Jammu & Kashmir Bank

Ltd. 2 0 0 0

7

S.No Name of the Bank

'No-Frills’

a/c opened

(Nos)

General

Purpose

Credit Cards

issued (Nos)

Overdraft

granted in

No-Frills

SB a/c

(Nos)

Smart

Cards

issued

(Nos.)

23 Karur Vysya Bank Ltd. 38601 0 0 2347

24 Karnataka Bank Ltd. 11477 0 3 0

25 Kotak Mahindra Bank Ltd. 4354 0 0 0

26 Lakshmi Vilas Bank Ltd. 28513 0 0 0

27 Oriental Bank of Commerce 4469 0 0 0

28 Pallavan Grama Bank 231841 471 4295 0

29 Pandyan Grama Bank 500172 350 0 6950

30 Punjab National Bank 74221 705 0 1740

31 Punjab & Sind Bank 1366 0 0 0

32 South Indian Bank Ltd. 63878 643 0 64

33 State Bank of India 520565 92 23824 13122

34

State Bank of Bikaner &

Jaipur 1987 0 0 0

35 State Bank of Mysore 3408 25 0 0

36 State Bank of Patiala 788 8 1 0

37 State Bank of Travancore 85755 1070 0 0

38 Syndicate Bank 29172 253 0 0

39

Tamil Nadu Mercantile

Bank Ltd. 131063 381 0 0

40

Tamil Nadu State Apex

Co.op Bank 25036 0 0 0

41 Union Bank of India 117259 609 0 0

42 United Bank of India 85 0 0 0

43 UCO Bank 66035 4 0 2525

44 Vijaya Bank 13866 394 128 0

Total 6248420 84160 59087 241085

8


3. Ministry of Finance, Government of India’s directives on Lending to

Agriculture:

All SLBC Convenor banks have been advised by the Ministry of Finance,

Government of India, to launch an action plan to improve lending to

Agriculture particularly crop loans. The target is to ensure that each farmer

gets an agriculture credit limit by 30.09.2011.

Special SLBC was conducted on 29.08.2011 and the minutes of the meeting

was sent to member banks /RBI /NABARD and Government of Tamil Nadu on

30.08.2011.

A small Committee of the Banks has been formed to monitor the progress

made in this direction. SLBC has requested the Secretary, Commercial

Taxes & Registration, Government of Tamil Nadu to waive the mortgage

charges as the above scheme envisages provision of agricultural credit limit

to all the farmers in the State and it would definitely help the State in

increasing agricultural production benefitting the farming community in

large. The Banks are advised not to charge processing fees, documentation

fees, inspection charges, advocate fees, renewal charges.

The Secretary, Commercial Taxes & Registration is requested to waive the

mortgage charges and also make available EC details, chitta & adangal and

other land records “online” so that banks themselves can draw the details &

deliver the loans fast without insisting the farmers to produce them.

The forum is requested to deliberate and offer its views / suggestions to

ensure each farmer gets an agricultural credit limit as advised by the

Ministry of Finance, Government of India.

9


4. CROP INSURANCE SCHEMES

A) National Agriculture Insurance Scheme (NAIS)

Chief Secretary, Government of Tamil Nadu had strongly advocated

compulsory coverage of all eligible crop loans including crop loans against

jewels. Tamil Nadu Government already took up the poor coverage of NAIS

with RBI for ensuring compulsory coverage under insurance for meeting crop

loss.

Member Banks are once again requested to ensure coverage all crop loans

(including agricultural jewel loans) granted for cultivating notified crops in

notified areas by their branches.

B) Weather Based Crop Insurance Scheme (WBCIS)

Weather Based Crop Insurance Scheme (WBCIS) is under implementation in

select Districts of Tamil Nadu on a pilot basis as furnished below:-

Sl.No. Name of the Insurance Company Districts allotted

1

Agriculture Insurance Company of

India Ltd

Ariyalur,

Dharmapuri,

Perambalur,

Salem,

Virudhunagar

2 ICICI Lombard General Insurance

Company Ltd

Dindigul

Villupuram

3 IFFCO-Tokio General Insurance

Company Ltd

Coimbatore and 7 blocks in

Tiruppur Dist

10

Sl.No. Name of the Insurance Company Districts allotted

4 Cholamandalam MS General

Insurance

Tirunelveli

5 HDFC ERG Theni

Lead Banks are requested to co-ordinate with the Insurance Company for

effective implementation of the above scheme in the respective Districts.

Member Banks are requested to ensure compulsory coverage by their

branches in the districts under WBCICS.

11


5. Seizure of Tractors of willful defaulters by Banks:

The Banks are compelled to resort to seizure of Tractors when the

borrower is a willful defaulter as the NPAs under Agriculture are mounting

day by day. Some of the Banks report that when the affected farmers

approach the District Administration, the banks are advised by the District

Collectors to explore the alternative recovery methods, without seizure of

the Tractors.

The Banks find it very difficult to comply with such instructions as they are

expected to enforce the prime security first, when the accounts becomes

NPA due to willful default.

The forum is requested to deliberate on this issue and to offer suggestions.

12


6. Setting up of Rural Self-Employment Training Institutes (RSETIs)

A) Ministry of Rural Development, Govt. of India issued guidelines

envisaging infra structure funding assistance from GOI, allotment of land

free of cost by respective State Government etc and advised Banks to set

up RSETIs.

The details of allotment and progress made in setting up RSETIs by Lead

Banks are furnished below:-

Sl.

No

Name of

the Bank

Districts Allotted /

Assigned

Districts where

RSETIs were set up

Pending

if any

(Nos.)

1 Indian

Overseas

Bank

Karur, Nagapattinam,

Perambalur, Pudukottai,

Thanjavur, Tirunelveli,

Tiruvarur, Kanyakumari,

Tiruchirapalli,

Virudhunagar &

Ramanathapuram,

No.of Districts

allotted: 11

Karur, Nagapattinam,

Perambalur, Pudukottai,

Thanjavur, Tirunelveli,

Tiruvarur, Kanyakumari,

Tiruchirapalli,

Virudhunagar &

Ramanathapuram,

No. of Districts where

RSETIs set up: 11

0

2 Indian

Bank

Cuddalore,

Kancheepuram,

Krishnagiri, Namakkal,

Salem, Thiruvannamalai,

Tiruvallur, Vellore,

Villupuram & Dharmapuri

No.of Districts

allotted: 10

Salem, Tiruvallur &

Vellore


RSETIs set up: 3

7

3 Canara

Bank

Coimbatore, Dindigul,

Erode, Madurai, Nilgiris,

Sivaganga, Theni &

Tiruppur

No.of Districts

allotted: 8

Dindigul, Theni, Erode

Nilgris, Tiruppur &

Sivaganga


RSETIs set up: 6

2

13

Sl.

No

Name of

the Bank

Districts Allotted /

Assigned

Districts where

RSETIs were set up

Pending

if any

(Nos.)

4 State

Bank of

India

Ariyalur & Tuticorin

No.of Districts

allotted: 2



RSETIs set up: 2

0

Indian Bank, & Canara Bank are requested to expedite setting up of RSETIs

in the pending districts.

14


7. SETTING UP OF FINANCIAL LITERACY & CREDIT COUNSELLING

CENTRES (FLCCC)

In order to provide free financial literacy /education and credit counselling,

RBI had advised Banks to set up FLCCC. The High Level Committee set up by

RBI had also reiterated the necessity to cover initiatives under financial

literacy and credit counselling while broad basing the Lead Bank scheme. On

the basis of the above recommendation, RBI advised Lead Banks to open a

Financial Literacy and Credit Counselling Centre (FLCCC) in every district

where they have lead responsibility.

The details of allotment and progress made in setting up FLCCCs by Lead

Banks are furnished below:-

Sl.

No

Name of

Lead Bank

Districts Allotted

for setting up FLCCCs

Districts where

FLCCCs were set up

Pending

if any

(Nos.)

1

Indian

Overseas

Bank

Kanyakumari,

Tiruchirapalli, Karur,

Virudhunagar, Tirunelveli,

Sivaganga, Tiruvarur,

Pudukottai, Thanjavur

Ramanathapuram,

Nagapattinam &

Perambalur

No.of Districts

allotted: 12

Kanyakumari, Tiruchirapalli,

Karur, Virudhunagar,

Tirunelveli, Sivaganga,

Tiruvarur,

Pudukottai, Thanjavur

Ramanathapuram,

Nagapattinam &

Perambalur


FLCCCs set up: 12

0

2 Indian

Bank

Cuddalore, Dharmapuri,

Kancheepuram,

Krishnagiri, Namakkal,

Salem, Thiruvannamalai,

Tiruvallur, Vellore &

Villupuram

No.of Districts

allotted: 10

Dharmapuri


FLCCCs set up: 1

9

15

Sl.

No

Name of

Lead Bank

Districts Allotted

for setting up FLCCCs

Districts where

FLCCCs were set up

Pending

if any

(Nos.)

3 Canara

Bank

Coimbatore, Dindigul,

Erode, Madurai, Nilgiris,

Theni & Tiruppur

No.of Districts

allotted: 7

Madurai, Erode and

Dindigul


FLCCCs set up: 3

4

4 State

Bank of

India


No. of Districts

allotted: 2


FLCCCs set up: 0

2

In SLRM 2010 held on 14.12.2010, it was resolved that major part of FLCCC„s

should be set up by March 2011 and in any case 100% coverage should be

achieved by June 2011. IOB has set up FLCCCs in all their Lead Districts in

Tamil Nadu. Other Lead Banks viz., Indian Bank, Canara Bank and State Bank

of India are requested to open FLCCC in the remaining districts and advise

the current status to SLBC and RBI.

The following FLCCCs are also functioning in Tamil Nadu

Sl.No. Name of FLCCC Sponsoring Bank Place / District

1 ABHAY Bank of India Chennai

2 DISHA ICICI Bank Ltd Chennai

It is clarified that any Bank can set up FLCCC anywhere and clearance from

the concerned Lead Bank is not a pre-requisite. However, SLBC should be

kept informed of all FLCCC opened.

16


9. Government of India’s Agricultural Debt Waiver & Debt Relief

Scheme (ADWDRS) 2008 – CAG Audit

A) Comptroller and Auditor General (CAG) have taken up audit of

ADWDRS 2008. As advised in the Entry Conference, Member Banks are

requested to issue instructions to their Branches concerned to extend their

fullest cooperation, timely production of the records furnishing copy of

required documents and prompt reply to the audit objections raised by the

Audit party. Tour programme of CAG Auditors from 12.09.2011 to 14.10.2011

sent to member banks on 09.09.2011 by SLBC.

B) The following 4 Banks are yet to submit Performance Audit Report &

Grievance Details respectively which need to be forwarded to CAG, Delhi.

These Member Banks are requested to submit the statements concerned

(both soft & hard copies) immediately. It may be recollected that SLBC had

called for the details repeatedly starting from 20/07/2010.

I) List of Banks who have NOT submitted CAG Performance Audit

Reports

II) List of Banks who have NOT submitted the CAG Grievances Details

Hard copy & Soft Copy Soft Copy only

Lakshmi Vilas Bank Ltd. Allahabad Bank

South Indian Bank Ltd. State Bank of Hyderabad

Federal Bank Ltd.

TNSC Bank

Hard copy & Soft Copy Soft Copy only

Allahabad Bank Corporation Bank

Lakshmi Vilas Bank Ltd. State Bank of Hyderabad

South Indian Bank Ltd. Federal Bank Ltd.

TNSC Bank

17


9. Detection of Counterfeit Banknotes- Revised Procedure advised by

Reserve Bank of India:

Reserve bank of India vide their letter dated 10.08.2011 advised revision of

the existing procedure to be followed on detection of counterfeit banknotes

at Bank branches, Treasuries and Sub-Treasuries vide RBI, Central Office

circular DCM(FNVD)/No.502/16.01.05/2011-12 dated 25.07.2011.

The revised procedure comes into immediate effect from the date of the

circular. The copy of the above circular is provided as an annexure.

RBI requires the progress to be discussed in the SLBC. Member Banks are

requested to advise the progress.

20


10. Opening of Bank Accounts for SHGs of Transgender Community and

Srilankan refugees:

Tamil Nadu Corporation for Development of Women Ltd. Advised vide their

letter dated 13.08.2011 that there are 70 Self Help Groups of Transgender

Community are formed and nurtured by Mahalir Thittam. The Tamil Nadu

Government has announced provision of economic assistance upto Rs.15.00

lacs with 25% subsidy. The groups encounter problems in opening Bank

accounts.

There are 416 SHGs of Srilankan refugees who would be provided with

Revolving Fund Assistance. These groups also are facing problems in opening

Bank accounts.

SLBC vide their letter dated 18.08.2011 advised the Member Banks to open

accounts for the above groups as there is no legal impediment in opening

accounts for the above Self Help Groups.

Member Banks are requested to issue suitable instructions to their

branches.

21


11. UIDAI-Aadhaar card empanelment by Banks as Registrars of

UIDAI:

With a view to enabling access to banking services, UIDAI partnered with

banks through a district-wise empanelment process in which 64 banks (public

sector, private sector, foreign banks, RRBs, Co-operative banks) have

participated. This partnership aims to provide the residents enrolled for

Aadhaar with a choice of choosing a particular bank where he / she would

like to open an account. A summary of the empanelment provided by UIDAI

is annexed for information. The details of the RFE document are available in

the website of UIDAI (www.uidai.gov.in ).

http://www.uidai.gov.in/

22


REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU ON KEY

PARAMETERS AS OF JUNE 2011

KEY PARAMETERS (Amount – Rs.in Crores)

Parameters JUNE

2010

JUNE

2011

VARIATION & %

OF GROWTH OVER

JUNE 2010

No. of Branches 6300 6767 467

Deposits 286571.03 327180.69 40609.66 (14.17%)

Advances 311939.20 383022.33 71083.13 (22.79%)

CD Ratio 108.85% 117.07% 8.22%

Investments 1737.29 2474.81 737.52

Credit + Investment to

Deposit Ratio 109.46% 117.82% 8.37%

Priority Sector Advances 121800.22 150720.85 28920.63 (23.74%)

% of Priority Sector

Advances to Total Advances 39.47 40.09

Agricultural Advances 49365.86 60947.29 11581.43 (23.46%)

% of Agricultural Advances to

Total Advances 16.00 16.21

Micro & Small Enterprises

(MSE) 41825.62 53440.34 11614.72 (27.77%)

Micro Credit 2635.39 3695.98 1060.59 (40.24%)

Education 8032.25 10519.44 2487.19 (30.97%)

Housing 19941.10 22117.80 2176.70 (10.92%)

Advances to Weaker Sections 28092.60 35878.73 7786.13 (27.72%)

% of Weaker Section

Advances to Total Advances 9.10 9.54

DRI Advances 145.29 151.13 5.84 (4.02%)

% of DRI Advances to Total

Advances 0.05 0.04

23

BRANCH NETWORK

As at the end of June 2011, the total number of Bank Branches in Tamil

Nadu increased to 6767 from 6300 in June 2010. Group wise spread of Bank

branches in Tamil Nadu as of June 2010 and June 2011 are given below:

Name of the Group JUNE 2010 JUNE 2011 Variation

State Bank Group 927 992 65

Nationalised Banks 3534 3731 197

Other Public Sector Banks 45 56 11

Private Sector Banks 1482 1646 164

RRBs 290 318 28

Foreign Banks 22 24 2

Total 6300 6767 467

The Population per Bank Branch in Tamil Nadu now stands at 9222 as against

national average of 15000 (based on 2001 census viz., 6,24,05,679).

DEPOSIT GROWTH

Deposits of the Banks in Tamil Nadu have increased from Rs.2,86,571.03

crores as of June 2010 to Rs.3,27,180.69 crores as at June 2011, registering

an increase of Rs.40,609.66 crores. The year to year incremental deposit

growth works out to 14.17% as against the growth of 22.12% from June

2009 to June 2010.

CREDIT EXPANSION

The total advances increased from Rs.3,11,939.20 crores as of June 2010 to

Rs.3,83,022.33 crores as of June 2011, thereby showing an increase of

Rs.71,083.13 crores. The incremental growth works out to 22.79% as against

the growth rate of 16.62% recorded in the previous year.

CD RATIO

The Credit Deposit Ratio of Commercial Banks in Tamil Nadu increased from

108.85% as of June 2010 to 117.07% as of June 2011.

24

CREDIT + INVESTMENT TO DEPOSIT RATIO

The Credit + Investment to Deposit ratio in Tamil Nadu increased from

109.46% in June 2010 to 117.82% in June 2011.

Overall CD ratio in the State of Tamil Nadu is shown as under:

Parameter JUNE

2010

JUNE

2011

Variation over

June 2010

CD ratio of Commercial Banks 108.85% 117.07% 8.22%

Credit + Investment to deposit 109.46% 117.82% 8.37%

PRIORITY SECTOR ADVANCES

The outstanding level of total Priority Sector advances of Banking System

stood at Rs.1,50,720.85 crores as of June 2011 as against Rs.1,21,800.22

crores as at June 2010, showing an increase of Rs.28,920.63 crores

recording a growth rate of 23.74%. The percentage of priority sector

advances works out to 40.09% as against the national norm of 40%.

Priority Sector Advances have shown an incremental growth of 14.17% during

the period June 2009 to June 2010.

AGRICULTURAL ADVANCES

The aggregate of agricultural advances extended by Banks in Tamil Nadu

have increased from Rs.49,365.86 crores as of June 2010 to Rs.60,947.29

crores as of June 2011, thus registering an increase of Rs.11,581.43 crores

in absolute terms and 23.46% in percentage terms. [The growth rate during

the period June 2009 to June 2010 was 15.72%]. The share of agricultural

credit in total advances as of June 2011 was 16.21% against the national

norm of 18%.

25

MICRO & SMALL ENTERPRISES (MSE)

The advances to Micro & Small Enterprises sector (MSE) during the period

under review has witnessed an increase by Rs.11,614.72 crores, from

Rs.41,825.62 crores as at June 2010 to Rs.53,440.34 crores as at June 2011,

thus showing a growth of 27.77%. The growth is encouraging as compared to

that recorded (Rs.3493.16 crores) during the corresponding period of the

previous year. The share of MSE advances in total advances as of June 2011

was 13.95%

MICRO CREDIT

The Micro Credit Advances in the State during the review period has

witnessed an increase of Rs.1,060.59 crores; from Rs.2,635.39 crores as at

June 2010 to Rs.3,695.98 crores as at June 2011, thus showing a growth of

40.24%. But year on year growth from June 2009 to June 2010 works out

to Rs.242.43 crores with 10.13% growth rate.

EDUCATION

Educational Loans have increased from Rs.8,032.25 crores in June 2010 to

Rs.10,519.44 crores as of June 2011. The increase of Rs.2,487.19 crores

under Educational Loans represents a growth rate of 30.97%.

Year-on-year (June 2009 to June 2010), there was an increase of

Rs.2,414.55 crores in Educational Loans outstanding, recording a growth rate

of 42.98%.

HOUSING

The outstanding under Housing Loans has registered an increase of

Rs.2,176.70 crores from Rs.19,941.10 crores in June 2010 to Rs.22,117.80

crores in June 2011, registering a growth rate of 10.92%. During the

corresponding period of the previous fiscal, there was an increase of

Rs.2,262.15 crores in Housing Loans outstanding with 12.80% growth rate.

26

ADVANCES TO WEAKER SECTIONS

The advances to Weaker Sections increased from Rs.28,092.60 crores as of

June 2010 to Rs.35,878.73 crores as at the end of June 2011, registering a

growth rate of 27.72%. At this level, advances to Weaker Sections

constituted 9.54% of the total credit against the national norm of 10%.

The growth during last year (June 2009- June 2010) was 28.96%.

DRI ADVANCES

The outstanding advances under DRI has increased from Rs.145.29 crores as

on June 2010 to Rs.151.13 crores as of June 2011, registering a growth rate

of 4.02%

The percentage of DRI advances to total advances has remained almost

stagnant at 0.04% for the last few quarters as against the bench mark level

of 1%.

NATIONAL NORMS

PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED

NATIONAL NORMS ARE AS UNDER:

(Amount Rs.in Crores)

Particulars

National Norms for

March 2012

Achievement upto

June 2011

% Target

Amount % Amount

Priority Sector Advances to

Total Advances 40 150399.04 40.09% 150720.85

Agricultural Advances to Total

Advances 18 67679.57 16.21% 60947.29

Weaker Section Advances to

Total Advances 10 37599.76 9.54% 35878.73

DRI Advances to Total

Advances of previous year 1 3759.98 0.04% 151.13

27

The share of Priority Sector advances stands at 40.09% which is above the

National Norm of 40%.

The percentage of Agricultural advances to total advances as at the end of

June 2011 works out to 16.21%. The percentage of Agri Advances to total

advances has increased from 16% as at the end of June 2010 to 16.21% in

June 2011.

The share of advances to weaker sections has also increased from the level

of 9.10% in June 2010 to 9.54% in June 2011.

Regarding the share of DRI advances to total advances also, it continues to

remain below the National Norm of 1%.

ACTION AREAS:-

1. Credit disbursement to Farm Sector has to be accelerated for

achieving the March 2012 target of Rs.67,679.57 crores.

2. Member Banks are requested to step up their lending to weaker

sections for attaining the annual target of Rs.37,599.76 crores so

that the national norm of 10% is achieved for this category of

advances also.

3. Member Banks are requested to evolve suitable strategies for

increasing the advances under DRI.

CREDIT + INVESTMENT TO DEPOSIT RATIO

Commercial Banks including Regional Rural Banks have invested

Rs.2,474.81 crores in Government securities, shares, Bonds, Debentures etc.,

apart from credit outstanding of Rs.3,83,022.33 crores. Hence, the Credit +

Investment to Deposit Ratio as of June 2011 is 117.82%.

28

Overall CD Ratio as of June 2011 is as follows:

(a) Commercial Banks : 117.07%

(b) Including Co-operative Banks : 118.03%

(c) Credit + Invest. Deposit Ratio (Comm.Bks.) : 117.82%

(d) Credit + Investment Deposit Ratio : 120.53%

(including Co-operative Banks)

DISTRICTWISE PERFORMANCE OF COMMERCIAL BANKS IN

TAMILNADU

A comparative analysis of the performance of the Commercial Banks in Tamil

Nadu indicates the following:

a) Tirupur district has the highest CD ratio at 170% followed by

Virudhunagar district (165%) & Dharmapuri (157%).

b) Of the 31 lead districts, the CD ratio of 30 districts is above the RBI

norm of 60%.

c) Kancheepuram District is having CD ratio of 53% which is less than the

National Norm of 60% and Member Banks are requested to focus their

attention to improve their lending so as to achieve the National Norm for

CD Ratio in that district.

Agricultural advances to total advances in the following districts is below

18% norm.

Coimbatore -- 12.29%

Tiruppur -- 10.97%

29

REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN

TAMILNADU AS AT THE END OF JUNE 2011

As at the end of June 2011, there were 792 branches of Co-operative Banks

(both, District Central Co-operative Banks and State Agricultural and Rural

Development Banks) in Tamil Nadu. The details are furnished for the

information of the members.

Classification of Branches JUNE 2010 JUNE 2011

Rural 239 261

Semi-Urban 222 200

Urban 188 192

Metro 139 139

TOTAL 788 792

(Amount – Rs. in Crores)

Particulars JUNE 2010 JUNE 2011

Deposits 20696.71 18954.57

Advances 17642.02 25518.38

Investments 9320.19 6180.34

CD Ratio 85.24% 134.63%

Credit + Investment to Deposit Ratio 130.27% 167.24%

(Amount – Rs. in Crores)

S.No. Particulars JUNE 2010 JUNE 2011

1 Agricultural Advances 2736.28 2819.11

Of which, Direct Advances 249.81 122.86

2 Micro & Small Enterprises 900.27 1558.04

3 Education 423.58 16.21

4 Housing 71.68 281.02

5 Micro Finance & Others 1284.12 1240.22

TOTAL 5415.93 5914.60

30

ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS

(Amount – Rs. in crores)

JUNE 2010

JUNE

2011

Total Advances to Weaker Sections 2287.17 3270.65

Of which,

(i) Advances under SC/ST 331.30 1152.85

(ii) Advances under IRDP/SGSY 91.26 138.52

(iii) Advances under DRI 53.47 31.49

NPA POSITION IN PRIORITY SECTOR ADVANCES - MARCH 2011

(Amount Rs. in Crores)

NPA

Amount

% of NPA

i) NPA in Housing loans 38.06 14.90%

ii) NPA in Education loans 0.09 0.10%

iii) NPA in Agriculture Loans 1724.63 54.07%

iv) NPA in Loans to MSE 19.78 1.61%

v) NPA in Loans under Weaker Section of Priority

Sector Lending 119.58 3.22%

vi) NPA in over all Priority Sector Lending 1923.71 29.86%

31


XL%20FILE.xls

32


XL%20FILE.xls

33


34


REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN

2011 – 2012: APRIL 2011 TO JUNE 2011

As per the quick information report obtained from the Lead District

Managers, Banks in Tamil Nadu have disbursed total credit of

Rs.12825.04 crores under Annual Credit Plan during the first quarter ended

June 2011 as against the proportionate plan allocation of Rs.13670.17 crores,

representing 94% achievement under ACP for the year 2011-12.

Amount in Rs. crores

Sector

Credit Allocation Credit Disbursed % of

Achievement April 2011 to

June 2011

April 2011 to

June 2011

Farm 7296.35 7192.04 99

Non-Farm 3161.39 2782.09 88

OPS 3212.43 2850.91 89

TOTAL 13670.17 12825.04 94

Credit flow to Farm Sector aggregates to Rs.7192.04 crores as against the

proportionate plan allocation of Rs.7296.35 crores, representing 99%

achievement.

Under Non-Farm Sector, the disbursement upto the first quarter works out

to Rs.2782.09 crores against the proportionate plan allocation of Rs.3161.39

crores, which comes to 88%. Under the category of Other Priority Sector

Advances, the achievement by Banks during the first quarter was Rs.2850.91

crores as against the proportionate plan allocation of Rs.3212.43 crores,

which works out to 89% of the allocation.

35

A comparative position of disbursement under ACP upto the quarters ended

June 2010 and June 2011 is furnished below:

Amount Rs. in crores

Sector

Credit disbursed

from April 2010

to June 2010

Credit disbursed

from April 2011

to June 2011

Variation in

percentage

Farm 5900.05 7192.04 21.90

Non-Farm 2335.41 2782.09 19.13

OPS 1902.30 2850.91 49.87

TOTAL 10137.76 12825.04 26.51

District wise performance:

District wise/Major Sector wise performance for the period ended

June 2011 is furnished in Annexure – I. Banking System in Tamil Nadu has

achieved 94% of the proportionate plan allocation during the period under

review. The performance of the individual districts varies from 43% to

154%. The following 15 districts have achieved 100% of the target.

Sl.

No.

District % of

Achieve-

Ment

Sl.

No.

District % of

Achieve-

ment

1 NAGAPATTINAM 154 9 VELLORE 102

2 ARIYALUR 132 10 DINDIGUL 102

3 VIRUDHUNAGAR 120 11 COIMBATORE 101

4 T.V.MALAI 114 12 NILGIRIS 101

5 MADURAI 103 13 ERODE 101

6 THENI 102 14 PERAMBALUR 101

7 TIRUVALLUR 102 15 KANCHEEPURAM 100

8 CUDDALORE 102

Sector wise performance:

A. Farm Sector (Agriculture and Allied Activities):

The performance under Farm Sector is satisfactory with 99% achievement

during the first quarter ended June 2011. In the following 19 districts, the

36

performance is 100% & above of the proportionate plan allocation for

June 2011.

Sl.

No District

% of

Achievement

Sl.

No District

% of

Achievement

1 VIRUDHUNAGAR 211 11 THENI 102

2 NAGAPATTINAM 169 12 NILGIRIS 102

3 ARIYALUR 140 13 COIMBATORE 101

4 T.V.MALAI 115 14 CUDDALORE 101

5 PERAMBALUR 113 15 DINDIGUL 101

6 SIVAGANGA 107 16 ERODE 101

7 KANCHEEPURAM 103 17 SALEM 101

8 VELLORE 103 18 TIRUCHIRAPPALLI 101

9 MADURAI 103 19 PUDUKOTTAI 100

10 TIRUVALLUR 103

B. Non-Farm Sector – Industries:

Performance of Banks under Non-Farm Sector is 88% of the proportionate

plan allocation. The following districts have performed well by achieving the

target allocated for the first quarter ended June 2011.

Sl.No. District % Sl.No. District %

1 ARIYALUR 174 6 NILGIRIS 102

2 T.V.MALAI 116 7 THENI 102

3 TIRUVALLUR 109 8 ERODE 101

4 DINDIGUL 104 9 COIMBATORE 101

5 MADURAI 103

The performance of Banks in the following 8 districts under Non-Farm

Sector is much below 50%. LDMs need to bestow their attention and impress

upon Member Banks in their respective districts to improve the performance

under Non-Farm Sector during the current year.

37


1 TIRUVARUR 47 5 SIVAGANGA 42

2 PUDUKOTTAI 47 6 PERAMBALUR 42

3 NAGAPATTINAM 46 7 SALEM 38

4 KRISHNAGIRI 45 8 KANYAKUMARI 8

C. Other Priority Sector:

Performance of Banks in Tamil Nadu under Other Priority Sector Advances

works out to 89% of the proportionate plan allocation during the first

quarter ended June 2011. Performance of the following 15 districts is 100%

& above.


1 VIRUDHUNAGAR 127 9 MADURAI 102

2 NAGAPATTINAM 116 10 ERODE 102

3 T.V.MALAI 110 11 TIRUPPUR 101

4 CUDDALORE 105 12 THENI 101

5 COIMBATORE 103 13 PUDUKOTTAI 101

6 VELLORE 103 14 NAMAKKAL 101

7 VILLUPURAM 103 15 NILGIRIS 100

8 DINDIGUL 102

While Banks in the remaining districts have to increase their disbursement

under OPS category during the current year, in the following 2 districts

where the performance is under 50%, Banks have to focus on scaling up

disbursement.

Sl.No. District %

1 PERAMBALUR 37

2 KANYAKUMARI 21

The details of progress made under ACP 2010-11 upto the quarter ended

March 2011 (District-wise / Bank-wise / Activity-wise) have also been

furnished in the Annexure for information.

38


XL%20FILE.xls

39


XL%20FILE.xls

40


XL%20FILE.xls

41


XL%20FILE.xls

42


XL%20FILE.xls

43


SWARNA JAYANTI SHAHARI ROZGAR YOJANA (SJSRY)

SJSRY Programme consists of two special schemes namely (i) Urban Self-

Employment Programme (USEP) and (ii) Urban Women Self-Help Programme

(UWSP).

The progress made under SJSRY for the programme year 2010-11 as on

31.07.2011 is furnished below:

(Amount Rs.in Lacs)

NO. PARTICULARS SJSRY-

USEP

SJSRY-

UWSP TOTAL

1 Applications sent to Banks 1556 565 2121

2 Applications sanctioned 1334 544 1878

3 Applications rejected 222 21 243

4 Applications Pending 0 0 0

5 Subsidy allotted 267.46 200.59 468.05

6 Subsidy utilized 249.20 191.07 440.27

7 Subsidy pending 18.26 9.52 27.78

8 %of subsidy utilization 93.17 95.25 94.06

Subsidy utilization level for the Programme year 2010-11 as on 31.07.2011 so

far is 93.17% & 95.25% under USEP and UWSP scheme respectively. Hence,

Member Banks are advised to speed up the sanction / disposal of the pending

loan applications and ensure 100% utilization of the subsidy allotted under

SJSRY.

Municipal Administration Department is requested to advise SLBC on the

SJSRY targets and action plan for the current year (2011-12).

44


Prime Minister’s Employment Generation Programme (PMEGP)

A) For the Programme year 2011-12, against the target of 2374 projects

with margin money assistance of Rs.3323.45 Crores, 1071 Projects with

margin money assistance of Rs.2237.62 Crores have been sanctioned.

Member Banks and Nodal agencies are requested to work together for

achievement of the target.

45


XL%20FILE.xls

46


SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY 2011-12)

Performance

During the year 2011-12, Banks in Tamil Nadu have disbursed credit to the

extent of Rs.107.73 crores under SGSY against the credit mobilisation

target of Rs.297.38 crores thereby achieving 36.23% of the annual target in

4 months from April 2011 to July 2011.

Performance of the Banking System in Tamilnadu under SGSY 2011-12 as on 31.07.2011

Amount in Rs. Lacs

S.No. PARTICULARS

JULY 2011

ECONOMIC ACTIVITY REVOLVING

FUND TOTAL

SHG INDIVIDUALS TOTAL

1 No. of Loans granted 1968 1573 3541 6633 10174

2 Swarozgaris 25120 1573 26693 104565 131258

3 Amount Disbursed 7084.22 372.47 7456.69 3316.33 10773.02

4 % of Credit disbursment to Annual Target 36.23%

5 Subsidy Utilised 2366.21 134.86 2501.07 994.90 3495.97

6 Credit Subsidy Ratio 2.99 2.76 2.98 3.33 3.08

7 Coverage Under:-

SC/ST 11878 750 12628

% (Norm 50%) 47.29 47.68 47.31

WOMEN 25120 1049 26169

% (Norm 40%) 100.00 66.69 98.04

DISABLED 534 732 1266

% (Norm 3%) 2.13 46.54 4.74

I. Performance under Economic Activity:

a. For the period ended 31.07.2011, Banks have extended credit

assistance to the tune of Rs.7084.22 lacs along with subsidy

assistance of Rs.2366.21 Lacs for taking up economic activities to

1968 Self Help Groups benefiting 25120 swarozgaris.

b. During this period, Rs.372.47 lacs with a subsidy of Rs.134.86 Lacs

has been granted to 1573 individual swarozgaris to take up economic

activities.

47

II. Performance under Revolving Fund:

Revolving Fund assistance of Rs.3316.33 lacs has been extended to 6633

Self Help Groups with a subsidy assistance of Rs.994.90 Lacs.

III. Achievement under Sub-sector Norms:

The achievement under coverage of SC/ST is 47.31% as against the norm of

50%. The stipulated norms under coverage of SC/ST should be achieved

through special efforts jointly by DRDA and Banks.

However, Banks have surpassed the 40% norm fixed for Women & 3% norm

for Disabled Persons, achieving 98.04% and 4.74% respectively.

DETAILS OF ECONOMIC ASSISTANCE (AGENCY WISE) AND

REVOLVING FUND DISBURSED UNDER SGSY 2011-12 AS AT THE

END OF JULY 2011

Amount in Rs. Lacs

AGENCY CREDIT DISBURSED

Economic Activity

Commercial Banks 4360.15

RRBs 837.35

Co-operative Banks 2259.19

Other Banks 0.00

TOTAL CREDIT UNDER ECONOMIC ACTIVITY 7456.69

CREDIT UNDER REVOLVING FUND 3316.33

TOTAL CREDIT TO SGSY 10773.02

Districtwise /Agencywise credit disbursed upto the month of July 2011 is

furnished in annexure.

Subsidy Credit Ratio:

Banks in Tamil Nadu have achieved a Subsidy Credit Ratio of 1 :3.08 and

surpassed the stipulated subsidy credit ratio of 1:3.

48

Annexure

(Amount Rs. in Lacs) DISTRICT / AGENCYWISE CREDIT DISBURSED UPTO THE MONTH OF JULY 2011

S.No District Revised

Target

Revolving

Fund

Credit Disbursed for Economic Activity Total

Credit Com.Bks Co-op Bks RRBs Others

1 Ariyalur 506.62 56.00 0.00 18.00 0.00 0.00 74.00

2 Coimbatore 905.72 403.33 226.54 204.43 71.68 0.00 905.98

3 Cuddalore 1308.59 144.00 153.75 213.75 0.00 0.00 511.50

4 Dharmapuri 775.55 86.50 100.00 60.39 57.50 0.00 304.39

5 Dindigul 964.83 104.00 189.60 111.24 0.00 0.00 404.84

6 Erode 731.44 143.50 241.49 161.02 0.00 0.00 546.01

7 Kancheepuram 1453.77 167.50 205.75 125.45 123.30 0.00 622.00

8 Kanniyakumari 646.70 75.00 46.38 139.14 0.00 0.00 260.52

9 Karur 563.89 32.00 27.61 8.00 0.00 0.00 67.61

10 Krishnagiri 813.76 91.00 268.43 0.00 47.37 0.00 406.80

11 Madurai 1055.96 118.00 77.00 0.00 182.73 0.00 377.73

12 Nagapattinam 810.97 99.50 30.00 15.00 0.00 0.00 144.50

13 Namakkal 781.99 44.00 21.63 1.68 0.00 0.00 67.31

14 Nilgiris 240.63 14.00 17.00 0.00 0.00 0.00 31.00

15 Perambalur 287.48 33.00 54.96 16.92 0.00 0.00 104.88

16 Pudukkottai 786.10 110.50 124.82 35.83 0.00 0.00 271.15

17 Ramanathapura

m 703.43 81.00 110.80 31.11 73.75 0.00 296.66

18 Salem 1347.20 116.50 258.61 0.00 0.00 0.00 375.11

19 Sivagangai 693.23 78.00 166.21 29.01 10.28 0.00 283.50

20 Thanjavur 796.83 66.50 129.02 50.17 0.00 0.00 245.69

21 Theni 1184.32 61.00 182.52 2.16 0.00 0.00 245.68

22 Tirunelveli 541.96 146.50 230.41 54.68 105.09 0.00 536.68

23 Tiruvallur 1310.87 100.00 165.00 3.75 0.00 0.00 268.75

24 Tiruvannamalai 1128.27 145.00 94.11 288.75 0.00 0.00 527.86

25 Tiruvarur 1289.98 37.00 57.75 63.45 0.00 0.00 158.20

26 Thoothukudi 845.53 70.00 125.10 57.00 0.00 0.00 252.10

27 Tiruchirapalli 967.94 98.50 179.56 83.08 0.00 0.00 361.14

28 Vellore 884.04 238.00 304.69 213.28 91.41 0.00 847.38

29 Villupuram 2111.47 264.00 482.65 187.70 0.00 0.00 934.35

30 Virudunagar 2473.69 92.50 88.75 84.20 74.25 0.00 339.70

31 Tirupur 825.56 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 29738.30 3316.33 4360.15 2259.19 837.35 0.00 10773.02

49


Interest Subsidy for Housing the Urban Poor (ISHUP)

The progress made under the scheme as on 30.06.2011 is furnished in the

annexure.

Ministry of Housing & Urban Poverty alleviation, Government of India

expressed concern over the vast difference between Number of applications

received and Number of sanctions.

Member Banks and Nodal Agency are requested to work together to process

the applications received in a time bound manner, and increase the Number

of sanctions, and ensure successful implementation of the Scheme.

50


XL%20FILE.xls

51


XL%20FILE.xls

52


BANK FINANCE UNDER HOUSING SCHEME:

In tune with the National Agenda 'HOUSING FOR ALL' Credit Flow to

Housing Sector is identified as one of the major thrust areas by the Banks.

As per Reserve Bank of India guidelines, each bank should reach 3% of their

incremental deposits of the previous year under housing finance.

Accordingly, it is estimated that Rs.1365.27 crores should be extended to

Housing Sector from banking system in Tamil Nadu during the year 2011-12.

As per the feedback received from member banks, disbursement to the

tune of Rs.764.04 crores has been made during the first quarter ended June

2011.

The Bank wise disbursement details for the first quarter is furnished in the

Annexure. It may be noted that 7 Banks marked (*) have not submitted any

data as a result of which the aggregate disbursement might have been

understated. These banks are requested to submit the data immediately.

Break-up of the portfolio on the basis of loan size is as follows:-

(Amount Rs.in Lakhs)

Disbursement made during the quarter ended June 2011 (April’11 to June’11)

Limit Upto Rs.5 Lacs

Limit above

Rs.5 lacs - upto

Rs.10 Lacs

Limit above Rs.10 Lacs -

upto Rs.15 Lacs

Limit above Rs.15 Lacs -

upto Rs.20 Lacs Total

No. Amount No. Amount No. Amount No. Amount No. Amount

4659 13488.06 4148 20489.37 2359 25296.49 1387 17130.05 12553 76403.97

53

Bank Finance under Housing Scheme – Direct Housing Finance

For the quarter ended June 2011

Amount Rs.in Lacs

Sl.

No. Name of the Bank

Disbursement made during the

quarter ended June'11

(April’11 to June’11)

No. Amount

1 Allahabad Bank 283 422

2 Andhra Bank 227 1655

3 Axis Bank Ltd. * 0 0

4 Bank of Baroda 447 2819

5 Bank of Maharashtra 59 1100

6 Bank of India 163 2007

7 Canara Bank 1878 7565

8 Catholic Syrian Bank 4 31

9 Central Bank of India 353 1039

10 City Union Bank Ltd. 546 22

11 Corporation Bank 403 1537

12 Dena Bank 37 297

13 Dhanalakshmi Bank Ltd. 9 92

14 Federal Bank Ltd., * 0 0

15 HDFC Bank Ltd. * 0 0

16 ICICI Bank Ltd. 313 2186

17 Indian Bank 885 7155

18 Indian Overseas Bank 2393 14563

19 IDBI Bank Ltd. 94 1676

20 Indus Ind Bank Ltd. 39 314

21 Ing Vysya Bank Ltd. 1 1

22 Jammu & Kashmir Bank Ltd. 4 38

23 Karur Vysya Bank Ltd. 139 889

24 Karnataka Bank Ltd., * 0 0

25 Lakshmi Vilas Bank Ltd. 30 214

26 Oriental Bank of Commerce 62 358

27 Pandyan Grama Bank 30 77

54

Sl.

No. Name of the Bank

Disbursement made during the

quarter ended June'11

(April’11 to June’11)

No. Amount

28 Pallavan Grama Bank 2 6

29 Punjab National Bank 198 828

30 Punjab & Sind Bank 3 3

31 South Indian Bank Ltd. * 0 0

32 St. Bk.of Bikaner & Jaipur *

aipJJaipur *

0 0

33 State Bank of Hyderabad 138 780

34 State Bank of India 1250 15255

35 State Bank of Mysore 179 1032

36 State Bank of Patiala 102 1052

37 State Bank of Travancore 203 1735

38 Syndicate Bank 369 2192

39 Tamilnadu Mercantile Bank 1173 4008

40 UCO Bank 37 453

41 Union Bank of India 279 1715

42 United Bank of India * 0 0

43 Vijaya Bank 221 1289

GRAND TOTAL 12553 76404

55

AGENDA No: 10(A) 127th SLBC

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS)

The National Housing Bank has formulated the Golden Jubilee Rural Housing

Finance Scheme (GJRHFS) in August 1997 on the occasion of the Golden

Jubilee of India's Independence.

As per the feedback received from the member banks, 1542 loans amounting

to Rs.2268.49 lacs were disbursed under Golden Jubilee Rural Housing

Finance Scheme during the first quarter ended June 2011 as shown below:

(Amount in Rs. Lacs)

Particulars

Scheduled

Castes

Scheduled

Tribes Others Total

No. Amt. No. Amt. No. Amt. No. Amt.

Total Loans

sanctioned during

the Quarter 287 598.77 31 79.50 1224 1812.33 1542 2490.60

Total Loans

disbursed during

the Quarter 287 587.20 31 75.50 1224 1605.79 1542 2268.49

Member Banks are requested to furnish the details of housing loans under

Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.

56


Educational Loans

A) The details of educational loans granted by member banks are

furnished in the annexure.

As per the reports received 31367 loans to the tune of Rs.422.32 crores

have been granted during the first quarter ended June 2011 of which SC /

ST, Minority Communities & Women account for 4481 loans amounting to

Rs.58.13 Cr, 6676 loans amounting to Rs.96.54 Cr and 7758 loans to the tune

of Rs.104.24 Cr respectively.

Member Banks are requested to advise the progress made in granting of

Educational Loans promptly to SLBC and DCCs.

B) As per the details received from the Member Banks the status of loan

applications received / sanctioned / rejected / pending are as under:-

(Amount in Lacs)

Loan Applications

Received

Education Loans

Sanctioned

Loan

Applications

Rejected

Loan

Applications

Pending

No. Amount No. Amount No. Amount No. Amount

32572 45436.63 31367 42231.84 772 1855.24 433 1349.55

Member Banks are requested to expedite disposal of the pending loan

applications.

57


XL%20FILE.xls

58


XL%20FILE.xls

59


MICRO & SMALL ENTERPRISES (MSE) SECTOR

Credit flow to MSE Sector during the quarter ended June 2011 is furnished

in the annexure. As per feedback received from Banks, Credit flow to Micro

and Small Enterprises amount to Rs.999.08 Crores, Rs.2782.49 Crores

respectively.

Member Banks‟ attention is drawn to the directive of Reserve Bank of India

that the share of Micro Enterprises should be 55% by March 2012 and 60%

by March 2013 and requested to enhance the share of micro enterprises

accordingly.

The share of Micro Enterprises in credit flow to MSE are furnished in the

annexure (Bankwise). The share of Micro enterprises for the quarter ended

June 2011 was to the extent of 26.42%. Member Banks are requested to

enhance the share of micro enterprises to 55% in the current year.

60


XL%20FILE.xls

61


CREDIT FLOW TO WOMEN

Government of India and Reserve Bank of India have advised banks to

strengthen the credit flow to women and ensure that their share in Bank

Credit is increased to 5%.

The details of performance of the Banks in Tamil Nadu under credit flow to

women entrepreneurs as of June 2011 are furnished below:

(Amount in Rs. Crores)

S.No PROGRAMME

Disbursement made

during the Quarter

ended June 2011

Outstanding position as

of June 2011

Accounts Amount Accounts Amount

1 SGSY 9338 33.01 113478 611.43

2 PMRY */PMEGP 69 6.18 17800 108.10

3 DRI 478 0.79 25604 33.62

4 MSE

N

EntEnterprises

4802 50.59 65199 993.64

5 OTHERS 212455 1402.93 3397357 24371.56

TOTAL 227142 1493.50 3619438 26118.35

* PMRY was discontinued w.e.f 01.04.2008

At the level of Rs.26118.35 crores, advances to women constitute 6.95% of

total Bank credit as against the national norm of 5%.

As the recovery under the loans granted to Women Self Help Groups is

encouraging, Banks are requested to maximise their credit flow to women by

involving NGOs / SHGs besides Tamil Nadu Corporation for Development of

Women Ltd., (TNCDW Ltd.,).

62


SELF HELP GROUPS (SHGs)

The approved target for SHG credit linkage 2011-12 is Rs.4000 Crores

including the Non Mahalir Thittam Groups. Credit disbursement to SHGs

during the five months period ended 31.08.2011 amounted to Rs.661.57

Crores.

The District wise performance to Self Help Groups under Mathi (through

Tamil Nadu Women Development Corporation Ltd.) and Non-Mathi (direct

lending) as on 31.08.2011 is furnished in the Annexure.

63

Annexure

SHGs-Bank Credit linkage-District wise Performance – 2011-12

As on 31.08.2011 (Rs.in Crores)

Sl.

No. District

Mahalir Thittam Non - Mahalir Thittam Total

Target Achvt. % Target Achvt. % Target Achvt. %

1 Ariyalur 31.00 1.16 4 6.00 0.25 4 37.00 1.41 4

2 Chennai 164.00 47.76 29 57.00 20.00 35 221.00 67.76 31

3 Coimbatore 86.00 21.89 25 37.00 9.48 26 123.00 31.37 26

4 Cuddalore 96.00 17.21 18 24.00 3.71 15 120.00 20.92 17

5 Dharmapuri 115.00 7.41 6 171.00 34.02 20 286.00 41.43 14

6 Dindigul 49.00 7.02 14 46.00 10.08 22 95.00 17.10 18

7 Erode 65.00 11.53 18 21.00 2.23 11 86.00 13.76 16

8 Kancheepuram 135.00 20.46 15 41.00 7.18 18 176.00 27.64 16

9 Kanyakumari 106.00 15.35 14 60.00 11.85 20 166.00 27.20 16

10 Karur 49.00 6.28 13 17.00 2.07 12 66.00 8.35 13

11 Krishnagiri 70.00 18.25 26 292.00 55.08 19 362.00 73.33 20

12 Madurai 80.00 18.91 24 44.00 4.21 10 124.00 23.11 19

13 Nagapattinam 70.00 9.96 14 25.00 1.82 7 95.00 11.78 12

14 Namakkal 50.00 6.80 14 9.00 3.76 42 59.00 10.56 18

15 Nilgiris 24.00 3.19 13 22.00 3.36 15 46.00 6.55 14

16 Perambalur 18.00 1.32 7 4.00 0.10 3 22.00 1.42 6

17 Pudukottai 55.00 3.45 6 31.00 6.37 21 86.00 9.82 11

18 Ramnad 44.00 9.55 22 36.00 8.79 24 80.00 18.34 23

19 Salem 90.00 8.88 10 84.00 9.85 12 174.00 18.73 11

20 Sivagangai 67.00 10.00 15 27.00 6.23 23 94.00 16.23 17

21 Thanjavur 83.00 14.99 18 43.00 4.85 11 126.00 19.84 16

22 Theni 102.00 8.68 9 74.00 8.14 11 176.00 16.82 10

23 Thirunelveli 142.00 22.29 16 68.00 7.53 11 210.00 29.82 14

24 Thiruvallur 85.00 15.93 19 26.00 7.90 30 111.00 23.83 21

25 Thiruvannamalai 95.00 16.66 18 47.00 4.53 10 142.00 21.19 15

26 Thiruvarur 54.00 2.00 4 21.00 0.88 4 75.00 2.88 4

27 Thoothukudi 63.00 5.46 9 23.00 1.22 5 86.00 6.68 8

28 Tiruppur 69.00 2.56 4 17.00 1.96 12 86.00 4.52 5

29 Trichy 113.00 14.21 13 36.00 4.71 13 149.00 18.92 13

30 Vellore 128.00 19.24 15 45.00 6.94 15 173.00 26.18 15

31 Villupuram 64.00 19.77 31 33.00 8.21 25 97.00 27.97 29

32 Virudhunagar 38.00 11.76 31 13.00 4.40 34 51.00 16.16 32

Total 2500.00 399.89 16 1500.00 261.68 17 4000.00 661.57 17

64


CREDIT FLOW TO MINORITY COMMUNITIES

As per the feedback received from the member banks, 111538 accounts

amounting to Rs.1023.58 crores were disbursed to Minority Communities

during the quarter ended June 2011 as shown below:-

Amount in Rs.Crores

Sl.

No.

Name of the

Community

Disbursement during the quarter ended

JUNE 2011 (April’11 to June’11)

All Banks Public Sector Banks

Account Amount Account Amount

1 Muslim 48746 541.71 35830 361.56

2 Christian 62373 471.04 51865 430.22

3 Sikh 119 4.97 106 4.52

4 Zorastrian 52 0.65 52 0.65

5 Neo Buddist 248 5.21 213 1.18

Total 111538 1023.58 88066 798.13

The progress made by the banks in Tamil Nadu under credit flow to Minority

Communities as of June 2011 is furnished below:- Amount in Rs.Crores

Sl.

No.

Name of the

Community

Outstanding Position as of JUNE 2011

All Banks Public Sector Banks

Account Amount Account Amount

1 Muslim 1249305 7638.57 579574 5899.25

2 Christian 2388966 10038.07 709857 6798.60

3 Sikh 784 35.01 720 33.85

4 Zorastrian 126 29.10 125 29.09

5 Neo Buddist 12341 38.66 1402 20.04

Total 3651522 17779.42 1291678 12780.82

65

Ministry of Finance, Govt. of India has advised that the share of credit flow

to minority communities of Public Sector Banks (PSB) should be 15% of the

Priority Sector Advances. Accordingly the annual outstanding target of

credit to Minority Communities is Rs.16281 Crores. However credit

outstanding as on 30.06.2011 to minority communities by Public Sector Banks

amount to Rs.12780.82 Crores only. Public Sector Banks wise outstanding

credit to Minority Communities is furnished in the annexure. The share of

credit to minority Communities is 15% or more only in respect of 4 PSBs.

The other PSBS are requested to enhance the share of credit to Minority

Communities so as to attain 15%.

66

OUTSTANDING ADVANCES TO SPECIFIED MINORITY

COMMUNITIES BY PUBLIC SECTOR BANKS – JUNE 2011

(Amount Rs.in Crores)

S.N

O NAME OF THE BANK

PRIORITY

SECTOR

ADVANCES

AS ON

31.03.11

TARGET

(15% OF

PSA)

ACHIEVEM

ENT

% OF

ACHIEVE

MENT

1 STATE BANK OF INDIA 23679.76 3551.96 2657.45 11.22

2 STATE BANK OF BIKANER & JAIPUR 188.44 28.27 6.99 3.71

3 STATE BANK OF HYDERABAD 550.78 82.62 71.17 12.92

4 STATE BANK OF MYSORE 680.22 102.03 42.30 6.22

5 STATE BANK OF PATIALA 251.86 37.78 14.41 5.72

6 STATE BANK OF TRAVANCORE 2193.97 329.10 518.71 23.64

7 ALLAHABAD BANK 1001.96 150.29 19.90 1.99

8 ANDHRA BANK 800.03 120.00 107.74 13.47

9 BANK OF BARODA 3243.81 486.57 122.49 3.78

10 BANK OF INDIA 4403.59 660.54 105.03 2.39

11 BANK OF MAHARASHTRA 324.1 48.62 11.65 3.59

12 CANARA BANK 17264.95 2589.74 2698.16 15.63

13 CENTRAL BANK OF INDIA 3671.88 550.78 457.34 12.46

14 CORPORATION BANK 3510.14 526.52 106.37 3.03

15 DENA BANK 594.59 89.19 46.38 7.80

16 INDIAN BANK 13924.57 2088.69 1861.68 13.37

17 INDIAN OVERSEAS BANK 15241.33 2286.20 3022.35 19.83

18 ORIENTAL BANK OF COMMERCE 1003.47 150.52 53.59 5.34

19 PUNJAB NATIONAL BANK 2423.32 363.50 143.95 5.94

20 PUNJAB & SIND BANK 163.5 24.53 2.69 1.64

21 SYNDICATE BANK 3064.66 459.70 469.25 15.31

22 UCO BANK 2006.49 300.97 189.50 9.44

23 UNION BANK OF INDIA 3648.62 547.29 0.00 0.00

24 UNITED BANK OF INDIA 231.63 34.74 0.00 0.00

25 VIJAYA BANK 1469.5 220.43 0.00 0.00

26 IDBI BANK LTD. 3003.18 450.48 51.72 1.72

TOTAL PUBLIC SECTOR BANKS 108540.35 16281.06 12780.82 11.78

67


KISAN CREDIT CARD SCHEME (KCC)

Kisan Credit Card Scheme introduced in August 1998 has since stabilized

with major share of crop loans being routed through this scheme. Reserve

Bank of India has advised that investment credit requirements of farmers

viz. allied and non farm activities may also be covered under the Scheme. All

KCC Holders have to be covered under Personal Accident Insurance Scheme

(PAIS).

As per the progress report submitted by Member Banks, during the period

from April 2011 to June 2011 Banks in Tamil Nadu have issued 216018 Kisan

Credit Cards to the tune of Rs.2447.14 Crores. The details are furnished in

the annexure.

Member Banks are requested to furnish the data to SLBC in time for timely

review.

68

PERFORMANCE OF BANKS UNDER KISAN CREDIT CARD SCHEME

FROM APRIL 2011 TO JUNE 2011 (Amount in Rs.Lacs)

Sl. No. Name of the Bank

Crop Loans Term Loan Total

No Amount No Amount No Amount

1 Allahabad Bank 135 143 135 143

2 Andhra Bank 88 59 12 27 100 86

3 AXIS Bank 0 0

4 Bank of Baroda 359 387 78 111 437 498

5 Bank of India 1622 1090 102 151 1724 1241

6 Canara Bank 7400 5588 8 47 7408 5635

7 Catholic Syrian Bank Ltd. 40 18 0 0 40 18

8 Central Bank of India 1583 719 0 0 1583 719

9 City Union Bank Ltd. 23 22 50 40 73 63

10 Corporation Bank 1483 705 0 0 1483 705

11 Dena Bank 17 25 2 5 19 30

12 Dhanalakshmi Bank Ltd. 0 0

13 Federal Bank Ltd. 0 0

14 HDFC Ltd. 21 96 10880 25643 10901 25739

15 Indian Bank 19597 7848 55 103 19652 7951

16 Indian Overseas Bank 76022 135138 1565 479 77587 135617

17 IDBI Bank Ltd. 0 0

18 ING Vysya Bank Ltd. 4 9 1 2 5 10

19 Karur Vysya Bank Ltd. 0 0

20 Lakshmi Vilas Bank 44 67 0 0 44 67

21

Oriental Bank of

Commerce 24 24 0 0 24 24

22 Pallavan Grama Bank 8412 3355 876 2024 9288 5379

23 Pandyan Grama Bank 5639 14 0 0 5639 14

24 Punjab National Bank 202 161 0 0 202 161

25 South Indian Bank Ltd. 0 0

26 State Bank of India 35458 19563 909 501 36367 20064

27 State Bank of Mysore 39 18 0 0 39 18

28 State Bank of Travancore 29 149 0 0 29 149

29 Syndicate Bank 1249 715 0 0 1249 715

30 TMB Ltd. 23 10 6 2 29 13

31 TNSC Bank Ltd. 33371 448 193 34012 33563.9 34460

32 UCO Bank 0 0

33 Union Bank of India 8271 3365 18 14 8289 3379

34 Vijaya Bank 96 737 12 1080 108 1817

TOTAL 201251 180473 14767 64241 216018 244714

69


Progress Report on Economic Development Schemes implemented by

TAHDCO

TAHDCO is requested to send the progress report on economic Development

Schemes for SC/ ST implemented in Tamil Nadu.

Member Banks are requested to actively involve themselves in the

implementation of these schemes.

70


REVIEW OF NPA ACCOUNTS IN PRIORITY SECTOR LENDING –

MARCH 2011

The position of NPA under categories of Priority Sector Advances as on

March 2011 is furnished below.

NPA POSITION AS ON March 2011

S No. Particulars (Rs in Crore) % of NPA

1 NPA in Housing loans 628.69 3.43%

2 NPA in Education loans 449.28 4.64%

3 NPA in Agriculture Loans 1927.33 3.39%

4 NPA in Loans to MSE 2143.30 4.35%

5 NPA in Loans under Weaker

Section of Priority Sector

Lending

1006.07 2.93%

6 NPA in over all Priority Sector

Lending

5498.00 4.00%

It is a matter of concern that the quantum of NPA has increased from the

level of Rs.4369.19 crores in March 2010 to the present level of Rs.5498.00

crores in March 2011.

Member Banks are requested to submit the data on NPA every quarter

promptly to SLBC / DCC.

DCCs are also requested to review NPA position every quarter and

coordinate recovery drive with the help of District Administration.

Bank-wise data on NPA in Housing Loans, Education Loans, Agriculture loans,

MSE, Weaker Sections & Total Priority Sector Lending as of 31st March

2011 is furnished in the annexure. Eight Banks who have not furnished the

data on NPA as of March 2011 are requested to submit the same

immediately.

71


XL%20FILE.xls

72


XL%20FILE.xls

73


XL%20FILE.xls

74


Success Story

One of the recommendations of the High Level Committee on Lead Bank

Scheme is “Success stories could be presented in DCC/SLBC meetings to

serve as models that could be replicated.(Para 3.45). In the 121st SLBC

Meeting held on 26.03.2010, Member Banks were advised to share success

stories so that the same can be replicated in other areas / by other banks as

well.

The Success Story received from Indian Bank is furnished below:

Self Employment has brought Self Esteem and Sustained livelihood to

1.Yamuna SHG and 2.Manickam SHG (Success Story of Pappad Business)

There are 15 members in each of the above group financed by Indian Bank

Chetput Branch (Specialized Branch for Microfinance)

All the members belong to Below Poverty Line Families. They were all

unemployed and daily wage earners, trapped by the local money lenders,

indebted with high cost debts. When they came to the Bank in the year

2008 their average monthly income was ranging from nil to Rs.500/-.

Both the groups have joined together and started a pappad making unit in

the house of one of their members, in a small scale in the year 2009 with an

initial loan amount of Rs.100000/- per group. They started with a humble

beginning of 1500 pappad per day earning a small profit of Rs.375/- per day.

The loan was promptly repaid by the groups.

In the year 2010, each group has availed a loan of Rs.400000/- and

expanded their unit by renting a premises. Now they make 10000 pappads

per day and each member of the group take a monthly earnings of

approximately Rs.2500/- after repaying the loan.

They have formed sub groups among themselves for carrying out various

activities like procuring raw materials, drying, packing, pappad rolling,

marketing, accounting etc.

The venture undertaken has not only brought self esteem but also improved

the livelihood of SHG members.

75

ADDITIONAL AGENDA PAPERS

******************************

ANNEXURE TO AGENDA NEW ISSUES -NO.11 - UIDAI

SUMMARY OF EMPANELMENT PROVIDED BY UIDAI

Bank name State State code

District District

code

ALLAHABAD BANK Tamil Nadu 33 Chennai 3302

ALLAHABAD BANK Tamil Nadu 33 Coimbatore 3312

ALLAHABAD BANK Tamil Nadu 33 Dharmapuri 3305

ALLAHABAD BANK Tamil Nadu 33 Dindigul 3313

ALLAHABAD BANK Tamil Nadu 33 Erode 3310

ALLAHABAD BANK Tamil Nadu 33 Kancheepuram 3303

ALLAHABAD BANK Tamil Nadu 33 Kanniyakumari 3330

ALLAHABAD BANK Tamil Nadu 33 Karur 3314

ALLAHABAD BANK Tamil Nadu 33 Madurai 3324

ALLAHABAD BANK Tamil Nadu 33 Nagapattinam 3319

ALLAHABAD BANK Tamil Nadu 33 Pudukkottai 3322

ALLAHABAD BANK Tamil Nadu 33 Salem 3308

ALLAHABAD BANK Tamil Nadu 33 Sivaganga 3323

ALLAHABAD BANK Tamil Nadu 33 Thiruvallur 3301

ALLAHABAD BANK Tamil Nadu 33 Thiruvarur 3320

ALLAHABAD BANK Tamil Nadu 33 Thoothukkudi 3328

ALLAHABAD BANK Tamil Nadu 33 Tiruchirappalli 3315

ALLAHABAD BANK Tamil Nadu 33 Tirunelveli 3329

ALLAHABAD BANK Tamil Nadu 33 Vellore 3304

ALLAHABAD BANK Tamil Nadu 33 Virudhunagar 3326

Axis Bank Tamil Nadu 33 Coimbatore 3312

Axis Bank Tamil Nadu 33 Erode 3310

Axis Bank Tamil Nadu 33 Salem 3308

Axis Bank Tamil Nadu 33 Tiruchirappalli 3315

BANK OF BARODA Tamil Nadu 33 Chennai 3302

BANK OF BARODA Tamil Nadu 33 Coimbatore 3312

BANK OF BARODA Tamil Nadu 33 Cuddalore 3318

BANK OF BARODA Tamil Nadu 33 Dharmapuri 3305

BANK OF BARODA Tamil Nadu 33 Erode 3310

BANK OF BARODA Tamil Nadu 33 Kancheepuram 3303

BANK OF BARODA Tamil Nadu 33 Madurai 3324

BANK OF BARODA Tamil Nadu 33 Nagapattinam 3319

BANK OF BARODA Tamil Nadu 33 Namakkal 3309

BANK OF BARODA Tamil Nadu 33 Thanjavur 3321

BANK OF BARODA Tamil Nadu 33 Theni 3325

76

BANK OF BARODA Tamil Nadu 33 Thiruvallur 3301

BANK OF BARODA Tamil Nadu 33 Tiruchirappalli 3315

BANK OF BARODA Tamil Nadu 33 Tirunelveli 3329

BANK OF BARODA Tamil Nadu 33 Tiruvannamalai 3306

BANK OF BARODA Tamil Nadu 33 Viluppuram 3307

BANK OF BARODA Tamil Nadu 33 Virudhunagar 3326

BANK OF INDIA Tamil Nadu 33 Chennai 3302

BANK OF INDIA Tamil Nadu 33 Coimbatore 3312

BANK OF INDIA Tamil Nadu 33 Cuddalore 3318

BANK OF INDIA Tamil Nadu 33 Dharmapuri 3305

BANK OF INDIA Tamil Nadu 33 Dindigul 3313

BANK OF INDIA Tamil Nadu 33 Erode 3310

BANK OF INDIA Tamil Nadu 33 Kancheepuram 3303

BANK OF INDIA Tamil Nadu 33 Kanniyakumari 3330

BANK OF INDIA Tamil Nadu 33 Karur 3314

BANK OF INDIA Tamil Nadu 33 Madurai 3324

BANK OF INDIA Tamil Nadu 33 Nagapattinam 3319

BANK OF INDIA Tamil Nadu 33 Namakkal 3309

BANK OF INDIA Tamil Nadu 33 Perambalur 3316

BANK OF INDIA Tamil Nadu 33 Pudukkottai 3322

BANK OF INDIA Tamil Nadu 33 Ramanathapuram 3327

BANK OF INDIA Tamil Nadu 33 Salem 3308

BANK OF INDIA Tamil Nadu 33 Sivaganga 3323

BANK OF INDIA Tamil Nadu 33 Thanjavur 3321

BANK OF INDIA Tamil Nadu 33 The Nilgiris 3311

BANK OF INDIA Tamil Nadu 33 Theni 3325

BANK OF INDIA Tamil Nadu 33 Thiruvallur 3301

BANK OF INDIA Tamil Nadu 33 Thiruvarur 3320

BANK OF INDIA Tamil Nadu 33 Thoothukkudi 3328

BANK OF INDIA Tamil Nadu 33 Tiruchirappalli 3315

BANK OF INDIA Tamil Nadu 33 Tirunelveli 3329

BANK OF INDIA Tamil Nadu 33 Tiruvannamalai 3306

BANK OF INDIA Tamil Nadu 33 Vellore 3304

BANK OF INDIA Tamil Nadu 33 Viluppuram 3307

BANK OF INDIA Tamil Nadu 33 Virudhunagar 3326

CANARA BANK Tamil Nadu 33 Ariyalur 3317

CANARA BANK Tamil Nadu 33 Chennai 3302

CANARA BANK Tamil Nadu 33 Coimbatore 3312

CANARA BANK Tamil Nadu 33 Cuddalore 3318

CANARA BANK Tamil Nadu 33 Dharmapuri 3305

CANARA BANK Tamil Nadu 33 Dindigul 3313

CANARA BANK Tamil Nadu 33 Erode 3310

CANARA BANK Tamil Nadu 33 Kancheepuram 3303

77

CANARA BANK Tamil Nadu 33 Kanniyakumari 3330

CANARA BANK Tamil Nadu 33 Karur 3314

CANARA BANK Tamil Nadu 33 Madurai 3324

CANARA BANK Tamil Nadu 33 Nagapattinam 3319

CANARA BANK Tamil Nadu 33 Namakkal 3309

CANARA BANK Tamil Nadu 33 Perambalur 3316

CANARA BANK Tamil Nadu 33 Pudukkottai 3322

CANARA BANK Tamil Nadu 33 Ramanathapuram 3327

CANARA BANK Tamil Nadu 33 Salem 3308

CANARA BANK Tamil Nadu 33 Sivaganga 3323

CANARA BANK Tamil Nadu 33 Thanjavur 3321

CANARA BANK Tamil Nadu 33 The Nilgiris 3311

CANARA BANK Tamil Nadu 33 Theni 3325

CANARA BANK Tamil Nadu 33 Thiruvallur 3301

CANARA BANK Tamil Nadu 33 Thiruvarur 3320

CANARA BANK Tamil Nadu 33 Thoothukkudi 3328

CANARA BANK Tamil Nadu 33 Tiruchirappalli 3315

CANARA BANK Tamil Nadu 33 Tirunelveli 3329

CANARA BANK Tamil Nadu 33 Tiruvannamalai 3306

CANARA BANK Tamil Nadu 33 Vellore 3304

CANARA BANK Tamil Nadu 33 Viluppuram 3307

CANARA BANK Tamil Nadu 33 Virudhunagar 3326

CENTRAL BANK OF INDIA Tamil Nadu 33 Ariyalur 3317

CENTRAL BANK OF INDIA Tamil Nadu 33 Chennai 3302

CENTRAL BANK OF INDIA Tamil Nadu 33 Coimbatore 3312

CENTRAL BANK OF INDIA Tamil Nadu 33 Cuddalore 3318

CENTRAL BANK OF INDIA Tamil Nadu 33 Dharmapuri 3305

CENTRAL BANK OF INDIA Tamil Nadu 33 Dindigul 3313

CENTRAL BANK OF INDIA Tamil Nadu 33 Erode 3310

CENTRAL BANK OF INDIA Tamil Nadu 33 Kancheepuram 3303

CENTRAL BANK OF INDIA Tamil Nadu 33 Kanniyakumari 3330

CENTRAL BANK OF INDIA Tamil Nadu 33 Karur 3314

CENTRAL BANK OF INDIA Tamil Nadu 33 Madurai 3324

CENTRAL BANK OF INDIA Tamil Nadu 33 Nagapattinam 3319

CENTRAL BANK OF INDIA Tamil Nadu 33 Perambalur 3316

CENTRAL BANK OF INDIA Tamil Nadu 33 Pudukkottai 3322

CENTRAL BANK OF INDIA Tamil Nadu 33 Ramanathapuram 3327

CENTRAL BANK OF INDIA Tamil Nadu 33 Salem 3308

CENTRAL BANK OF INDIA Tamil Nadu 33 Sivaganga 3323

CENTRAL BANK OF INDIA Tamil Nadu 33 Thanjavur 3321

CENTRAL BANK OF INDIA Tamil Nadu 33 The Nilgiris 3311

CENTRAL BANK OF INDIA Tamil Nadu 33 Theni 3325

CENTRAL BANK OF INDIA Tamil Nadu 33 Thiruvallur 3301

78

CENTRAL BANK OF INDIA Tamil Nadu 33 Thiruvarur 3320

CENTRAL BANK OF INDIA Tamil Nadu 33 Thoothukkudi 3328

CENTRAL BANK OF INDIA Tamil Nadu 33 Tiruchirappalli 3315

CENTRAL BANK OF INDIA Tamil Nadu 33 Tirunelveli 3329

CENTRAL BANK OF INDIA Tamil Nadu 33 Tiruvannamalai 3306

CENTRAL BANK OF INDIA Tamil Nadu 33 Vellore 3304

CENTRAL BANK OF INDIA Tamil Nadu 33 Viluppuram 3307

CENTRAL BANK OF INDIA Tamil Nadu 33 Virudhunagar 3326

Citibank NA Tamil Nadu 33 Chennai 3302

CORPORATION BANK Tamil Nadu 33 Chennai 3302

CORPORATION BANK Tamil Nadu 33 Coimbatore 3312

CORPORATION BANK Tamil Nadu 33 Cuddalore 3318

CORPORATION BANK Tamil Nadu 33 Dharmapuri 3305

CORPORATION BANK Tamil Nadu 33 Dindigul 3313

CORPORATION BANK Tamil Nadu 33 Erode 3310

CORPORATION BANK Tamil Nadu 33 Kancheepuram 3303

CORPORATION BANK Tamil Nadu 33 Kanniyakumari 3330

CORPORATION BANK Tamil Nadu 33 Karur 3314

CORPORATION BANK Tamil Nadu 33 Madurai 3324

CORPORATION BANK Tamil Nadu 33 Nagapattinam 3319

CORPORATION BANK Tamil Nadu 33 Namakkal 3309

CORPORATION BANK Tamil Nadu 33 Perambalur 3316

CORPORATION BANK Tamil Nadu 33 Pudukkottai 3322

CORPORATION BANK Tamil Nadu 33 Ramanathapuram 3327

CORPORATION BANK Tamil Nadu 33 Salem 3308

CORPORATION BANK Tamil Nadu 33 Sivaganga 3323

CORPORATION BANK Tamil Nadu 33 Thanjavur 3321

CORPORATION BANK Tamil Nadu 33 The Nilgiris 3311

CORPORATION BANK Tamil Nadu 33 Thiruvallur 3301

CORPORATION BANK Tamil Nadu 33 Tirunelveli 3329

CORPORATION BANK Tamil Nadu 33 Tiruvannamalai 3306

CORPORATION BANK Tamil Nadu 33 Vellore 3304

CORPORATION BANK Tamil Nadu 33 Viluppuram 3307

CORPORATION BANK Tamil Nadu 33 Virudhunagar 3326

HDFC BANK LTD. Tamil Nadu 33 Chennai 3302

HDFC BANK LTD. Tamil Nadu 33 Coimbatore 3312

HDFC BANK LTD. Tamil Nadu 33 Cuddalore 3318

HDFC BANK LTD. Tamil Nadu 33 Dharmapuri 3305

HDFC BANK LTD. Tamil Nadu 33 Dindigul 3313

HDFC BANK LTD. Tamil Nadu 33 Erode 3310

HDFC BANK LTD. Tamil Nadu 33 Kancheepuram 3303

HDFC BANK LTD. Tamil Nadu 33 Kanniyakumari 3330

HDFC BANK LTD. Tamil Nadu 33 Karur 3314

79

HDFC BANK LTD. Tamil Nadu 33 Madurai 3324

HDFC BANK LTD. Tamil Nadu 33 Nagapattinam 3319

HDFC BANK LTD. Tamil Nadu 33 Namakkal 3309

HDFC BANK LTD. Tamil Nadu 33 Perambalur 3316

HDFC BANK LTD. Tamil Nadu 33 Pudukkottai 3322

HDFC BANK LTD. Tamil Nadu 33 Ramanathapuram 3327

HDFC BANK LTD. Tamil Nadu 33 Salem 3308

HDFC BANK LTD. Tamil Nadu 33 Sivaganga 3323

HDFC BANK LTD. Tamil Nadu 33 Thanjavur 3321

HDFC BANK LTD. Tamil Nadu 33 Theni 3325

HDFC BANK LTD. Tamil Nadu 33 Thiruvallur 3301

HDFC BANK LTD. Tamil Nadu 33 Thiruvarur 3320

HDFC BANK LTD. Tamil Nadu 33 Thoothukkudi 3328

HDFC BANK LTD. Tamil Nadu 33 Tiruchirappalli 3315

HDFC BANK LTD. Tamil Nadu 33 Tirunelveli 3329

HDFC BANK LTD. Tamil Nadu 33 Tiruvannamalai 3306

HDFC BANK LTD. Tamil Nadu 33 Vellore 3304

HDFC BANK LTD. Tamil Nadu 33 Viluppuram 3307

HDFC BANK LTD. Tamil Nadu 33 Virudhunagar 3326

ICICI BANK LTD Tamil Nadu 33 Ariyalur 3317

ICICI BANK LTD Tamil Nadu 33 Chennai 3302

ICICI BANK LTD Tamil Nadu 33 Coimbatore 3312

ICICI BANK LTD Tamil Nadu 33 Cuddalore 3318

ICICI BANK LTD Tamil Nadu 33 Dindigul 3313

ICICI BANK LTD Tamil Nadu 33 Erode 3310

ICICI BANK LTD Tamil Nadu 33 Kancheepuram 3303

ICICI BANK LTD Tamil Nadu 33 Kanniyakumari 3330

ICICI BANK LTD Tamil Nadu 33 Karur 3314

ICICI BANK LTD Tamil Nadu 33 Madurai 3324

ICICI BANK LTD Tamil Nadu 33 Nagapattinam 3319

ICICI BANK LTD Tamil Nadu 33 Namakkal 3309

ICICI BANK LTD Tamil Nadu 33 Pudukkottai 3322

ICICI BANK LTD Tamil Nadu 33 Ramanathapuram 3327

ICICI BANK LTD Tamil Nadu 33 Salem 3308

ICICI BANK LTD Tamil Nadu 33 Sivaganga 3323

ICICI BANK LTD Tamil Nadu 33 Thanjavur 3321

ICICI BANK LTD Tamil Nadu 33 The Nilgiris 3311

ICICI BANK LTD Tamil Nadu 33 Theni 3325

ICICI BANK LTD Tamil Nadu 33 Thiruvallur 3301

ICICI BANK LTD Tamil Nadu 33 Thiruvarur 3320

ICICI BANK LTD Tamil Nadu 33 Tiruchirappalli 3315

ICICI BANK LTD Tamil Nadu 33 Tirunelveli 3329

ICICI BANK LTD Tamil Nadu 33 Tiruvannamalai 3306

80

ICICI BANK LTD Tamil Nadu 33 Viluppuram 3307

ICICI BANK LTD Tamil Nadu 33 Virudhunagar 3326

IDBI BANK LTD Tamil Nadu 33 Chennai 3302

IDBI BANK LTD Tamil Nadu 33 Coimbatore 3312

IDBI BANK LTD Tamil Nadu 33 Cuddalore 3318

IDBI BANK LTD Tamil Nadu 33 Dharmapuri 3305

IDBI BANK LTD Tamil Nadu 33 Dindigul 3313

IDBI BANK LTD Tamil Nadu 33 Erode 3310

IDBI BANK LTD Tamil Nadu 33 Kancheepuram 3303

IDBI BANK LTD Tamil Nadu 33 Karur 3314

IDBI BANK LTD Tamil Nadu 33 Madurai 3324

IDBI BANK LTD Tamil Nadu 33 Nagapattinam 3319

IDBI BANK LTD Tamil Nadu 33 Namakkal 3309

IDBI BANK LTD Tamil Nadu 33 Salem 3308

IDBI BANK LTD Tamil Nadu 33 Sivaganga 3323

IDBI BANK LTD Tamil Nadu 33 Thanjavur 3321

IDBI BANK LTD Tamil Nadu 33 The Nilgiris 3311

IDBI BANK LTD Tamil Nadu 33 Theni 3325

IDBI BANK LTD Tamil Nadu 33 Thiruvallur 3301

IDBI BANK LTD Tamil Nadu 33 Thiruvarur 3320

IDBI BANK LTD Tamil Nadu 33 Thoothukkudi 3328

IDBI BANK LTD Tamil Nadu 33 Tiruchirappalli 3315

IDBI BANK LTD Tamil Nadu 33 Tirunelveli 3329

IDBI BANK LTD Tamil Nadu 33 Vellore 3304

IDBI BANK LTD Tamil Nadu 33 Viluppuram 3307

IDBI BANK LTD Tamil Nadu 33 Virudhunagar 3326

INDIAN BANK Tamil Nadu 33 Chennai 3302

INDIAN BANK Tamil Nadu 33 Coimbatore 3312

INDIAN BANK Tamil Nadu 33 Cuddalore 3318

INDIAN BANK Tamil Nadu 33 Dharmapuri 3305

INDIAN BANK Tamil Nadu 33 Kancheepuram 3303

INDIAN BANK Tamil Nadu 33 Kanniyakumari 3330

INDIAN BANK Tamil Nadu 33 Madurai 3324

INDIAN BANK Tamil Nadu 33 Nagapattinam 3319

INDIAN BANK Tamil Nadu 33 Namakkal 3309

INDIAN BANK Tamil Nadu 33 Pudukkottai 3322

INDIAN BANK Tamil Nadu 33 Salem 3308

INDIAN BANK Tamil Nadu 33 Sivaganga 3323

INDIAN BANK Tamil Nadu 33 Thanjavur 3321

INDIAN BANK Tamil Nadu 33 Thiruvallur 3301

INDIAN BANK Tamil Nadu 33 Thiruvarur 3320

INDIAN BANK Tamil Nadu 33 Tiruchirappalli 3315

INDIAN BANK Tamil Nadu 33 Tirunelveli 3329

81

INDIAN BANK Tamil Nadu 33 Tiruvannamalai 3306

INDIAN BANK Tamil Nadu 33 Vellore 3304

INDIAN BANK Tamil Nadu 33 Viluppuram 3307

INDIAN OVERSEAS BANK Tamil Nadu 33 Ariyalur 3317

INDIAN OVERSEAS BANK Tamil Nadu 33 Chennai 3302

INDIAN OVERSEAS BANK Tamil Nadu 33 Coimbatore 3312

INDIAN OVERSEAS BANK Tamil Nadu 33 Cuddalore 3318

INDIAN OVERSEAS BANK Tamil Nadu 33 Dharmapuri 3305

INDIAN OVERSEAS BANK Tamil Nadu 33 Dindigul 3313

INDIAN OVERSEAS BANK Tamil Nadu 33 Erode 3310

INDIAN OVERSEAS BANK Tamil Nadu 33 Kancheepuram 3303

INDIAN OVERSEAS BANK Tamil Nadu 33 Kanniyakumari 3330

INDIAN OVERSEAS BANK Tamil Nadu 33 Karur 3314

INDIAN OVERSEAS BANK Tamil Nadu 33 Madurai 3324

INDIAN OVERSEAS BANK Tamil Nadu 33 Nagapattinam 3319

INDIAN OVERSEAS BANK Tamil Nadu 33 Namakkal 3309

INDIAN OVERSEAS BANK Tamil Nadu 33 Perambalur 3316

INDIAN OVERSEAS BANK Tamil Nadu 33 Pudukkottai 3322

INDIAN OVERSEAS BANK Tamil Nadu 33 Ramanathapuram 3327

INDIAN OVERSEAS BANK Tamil Nadu 33 Salem 3308

INDIAN OVERSEAS BANK Tamil Nadu 33 Sivaganga 3323

INDIAN OVERSEAS BANK Tamil Nadu 33 Thanjavur 3321

INDIAN OVERSEAS BANK Tamil Nadu 33 The Nilgiris 3311

INDIAN OVERSEAS BANK Tamil Nadu 33 Theni 3325

INDIAN OVERSEAS BANK Tamil Nadu 33 Thiruvallur 3301

INDIAN OVERSEAS BANK Tamil Nadu 33 Thiruvarur 3320

INDIAN OVERSEAS BANK Tamil Nadu 33 Thoothukkudi 3328

INDIAN OVERSEAS BANK Tamil Nadu 33 Tiruchirappalli 3315

INDIAN OVERSEAS BANK Tamil Nadu 33 Tirunelveli 3329

INDIAN OVERSEAS BANK Tamil Nadu 33 Tiruvannamalai 3306

INDIAN OVERSEAS BANK Tamil Nadu 33 Vellore 3304

INDIAN OVERSEAS BANK Tamil Nadu 33 Viluppuram 3307

INDIAN OVERSEAS BANK Tamil Nadu 33 Virudhunagar 3326

INDUSIND BANK LTD Tamil Nadu 33 Chennai 3302

INDUSIND BANK LTD Tamil Nadu 33 Coimbatore 3312

INDUSIND BANK LTD Tamil Nadu 33 Dharmapuri 3305

INDUSIND BANK LTD Tamil Nadu 33 Erode 3310

INDUSIND BANK LTD Tamil Nadu 33 Kancheepuram 3303

INDUSIND BANK LTD Tamil Nadu 33 Karur 3314

INDUSIND BANK LTD Tamil Nadu 33 Madurai 3324

INDUSIND BANK LTD Tamil Nadu 33 Namakkal 3309

INDUSIND BANK LTD Tamil Nadu 33 Pudukkottai 3322

INDUSIND BANK LTD Tamil Nadu 33 Salem 3308

82

INDUSIND BANK LTD Tamil Nadu 33 The Nilgiris 3311

INDUSIND BANK LTD Tamil Nadu 33 Thiruvallur 3301

INDUSIND BANK LTD Tamil Nadu 33 Tiruchirappalli 3315

INDUSIND BANK LTD Tamil Nadu 33 Vellore 3304

INDUSIND BANK LTD Tamil Nadu 33 Virudhunagar 3326

ING VYSYA BANK LTD Tamil Nadu 33 Chennai 3302

ING VYSYA BANK LTD Tamil Nadu 33 Coimbatore 3312

ING VYSYA BANK LTD Tamil Nadu 33 Erode 3310

ING VYSYA BANK LTD Tamil Nadu 33 Kancheepuram 3303

ING VYSYA BANK LTD Tamil Nadu 33 Karur 3314

ING VYSYA BANK LTD Tamil Nadu 33 Madurai 3324

ING VYSYA BANK LTD Tamil Nadu 33 Nagapattinam 3319

ING VYSYA BANK LTD Tamil Nadu 33 Namakkal 3309

ING VYSYA BANK LTD Tamil Nadu 33 Salem 3308

ING VYSYA BANK LTD Tamil Nadu 33 Thanjavur 3321

ING VYSYA BANK LTD Tamil Nadu 33 Thiruvallur 3301

ING VYSYA BANK LTD Tamil Nadu 33 Thiruvarur 3320

ING VYSYA BANK LTD Tamil Nadu 33 Tiruchirappalli 3315

ING VYSYA BANK LTD Tamil Nadu 33 Tiruvannamalai 3306

ING VYSYA BANK LTD Tamil Nadu 33 Vellore 3304

KARUR VYSYA BANK Tamil Nadu 33 Ariyalur 3317

KARUR VYSYA BANK Tamil Nadu 33 Chennai 3302

KARUR VYSYA BANK Tamil Nadu 33 Coimbatore 3312

KARUR VYSYA BANK Tamil Nadu 33 Cuddalore 3318

KARUR VYSYA BANK Tamil Nadu 33 Dharmapuri 3305

KARUR VYSYA BANK Tamil Nadu 33 Dindigul 3313

KARUR VYSYA BANK Tamil Nadu 33 Erode 3310

KARUR VYSYA BANK Tamil Nadu 33 Kancheepuram 3303

KARUR VYSYA BANK Tamil Nadu 33 Kanniyakumari 3330

KARUR VYSYA BANK Tamil Nadu 33 Karur 3314

KARUR VYSYA BANK Tamil Nadu 33 Madurai 3324

KARUR VYSYA BANK Tamil Nadu 33 Nagapattinam 3319

KARUR VYSYA BANK Tamil Nadu 33 Namakkal 3309

KARUR VYSYA BANK Tamil Nadu 33 Perambalur 3316

KARUR VYSYA BANK Tamil Nadu 33 Pudukkottai 3322

KARUR VYSYA BANK Tamil Nadu 33 Ramanathapuram 3327

KARUR VYSYA BANK Tamil Nadu 33 Salem 3308

KARUR VYSYA BANK Tamil Nadu 33 Sivaganga 3323

KARUR VYSYA BANK Tamil Nadu 33 Thanjavur 3321

KARUR VYSYA BANK Tamil Nadu 33 The Nilgiris 3311

KARUR VYSYA BANK Tamil Nadu 33 Theni 3325

KARUR VYSYA BANK Tamil Nadu 33 Thiruvallur 3301

KARUR VYSYA BANK Tamil Nadu 33 Thiruvarur 3320

83

KARUR VYSYA BANK Tamil Nadu 33 Thoothukkudi 3328

KARUR VYSYA BANK Tamil Nadu 33 Tiruchirappalli 3315

KARUR VYSYA BANK Tamil Nadu 33 Tirunelveli 3329

KARUR VYSYA BANK Tamil Nadu 33 Tiruvannamalai 3306

KARUR VYSYA BANK Tamil Nadu 33 Vellore 3304

KARUR VYSYA BANK Tamil Nadu 33 Viluppuram 3307

KARUR VYSYA BANK Tamil Nadu 33 Virudhunagar 3326

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Chennai 3302

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Coimbatore 3312

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Erode 3310

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Kancheepuram 3303

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Kanniyakumari 3330

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Karur 3314

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Madurai 3324

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Nagapattinam 3319

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Namakkal 3309

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Salem 3308

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Sivaganga 3323

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Thanjavur 3321

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 The Nilgiris 3311

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Thiruvarur 3320

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Thoothukkudi 3328

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Tiruchirappalli 3315

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Vellore 3304

ORIENTAL BANK OF COMMERCE Tamil Nadu 33 Virudhunagar 3326

PUNJAB NATIONAL BANK Tamil Nadu 33 Ariyalur 3317

PUNJAB NATIONAL BANK Tamil Nadu 33 Chennai 3302

PUNJAB NATIONAL BANK Tamil Nadu 33 Coimbatore 3312

PUNJAB NATIONAL BANK Tamil Nadu 33 Cuddalore 3318

PUNJAB NATIONAL BANK Tamil Nadu 33 Dharmapuri 3305

PUNJAB NATIONAL BANK Tamil Nadu 33 Dindigul 3313

PUNJAB NATIONAL BANK Tamil Nadu 33 Erode 3310

PUNJAB NATIONAL BANK Tamil Nadu 33 Kancheepuram 3303

PUNJAB NATIONAL BANK Tamil Nadu 33 Kanniyakumari 3330

PUNJAB NATIONAL BANK Tamil Nadu 33 Karur 3314

PUNJAB NATIONAL BANK Tamil Nadu 33 Madurai 3324

PUNJAB NATIONAL BANK Tamil Nadu 33 Nagapattinam 3319

PUNJAB NATIONAL BANK Tamil Nadu 33 Namakkal 3309

PUNJAB NATIONAL BANK Tamil Nadu 33 Perambalur 3316

PUNJAB NATIONAL BANK Tamil Nadu 33 Pudukkottai 3322

PUNJAB NATIONAL BANK Tamil Nadu 33 Ramanathapuram 3327

PUNJAB NATIONAL BANK Tamil Nadu 33 Salem 3308

PUNJAB NATIONAL BANK Tamil Nadu 33 Sivaganga 3323

84

PUNJAB NATIONAL BANK Tamil Nadu 33 Thanjavur 3321

PUNJAB NATIONAL BANK Tamil Nadu 33 The Nilgiris 3311

PUNJAB NATIONAL BANK Tamil Nadu 33 Theni 3325

PUNJAB NATIONAL BANK Tamil Nadu 33 Thiruvallur 3301

PUNJAB NATIONAL BANK Tamil Nadu 33 Thiruvarur 3320

PUNJAB NATIONAL BANK Tamil Nadu 33 Tiruchirappalli 3315

PUNJAB NATIONAL BANK Tamil Nadu 33 Tirunelveli 3329

PUNJAB NATIONAL BANK Tamil Nadu 33 Tiruvannamalai 3306

PUNJAB NATIONAL BANK Tamil Nadu 33 Vellore 3304

PUNJAB NATIONAL BANK Tamil Nadu 33 Viluppuram 3307

PUNJAB NATIONAL BANK Tamil Nadu 33 Virudhunagar 3326

SOUTH INDIAN BANK Tamil Nadu 33 Chennai 3302

SOUTH INDIAN BANK Tamil Nadu 33 Coimbatore 3312

SOUTH INDIAN BANK Tamil Nadu 33 Kancheepuram 3303

State Bank of Bikaner & Jaipur Tamil Nadu 33 Chennai 3302

State Bank of Bikaner & Jaipur Tamil Nadu 33 Coimbatore 3312

State Bank of India Tamil Nadu 33 Ariyalur 3317

State Bank of India Tamil Nadu 33 Chennai 3302

State Bank of India Tamil Nadu 33 Coimbatore 3312

State Bank of India Tamil Nadu 33 Cuddalore 3318

State Bank of India Tamil Nadu 33 Dharmapuri 3305

State Bank of India Tamil Nadu 33 Dindigul 3313

State Bank of India Tamil Nadu 33 Erode 3310

State Bank of India Tamil Nadu 33 Kancheepuram 3303

State Bank of India Tamil Nadu 33 Kanniyakumari 3330

State Bank of India Tamil Nadu 33 Karur 3314

State Bank of India Tamil Nadu 33 Madurai 3324

State Bank of India Tamil Nadu 33 Nagapattinam 3319

State Bank of India Tamil Nadu 33 Namakkal 3309

State Bank of India Tamil Nadu 33 Perambalur 3316

State Bank of India Tamil Nadu 33 Pudukkottai 3322

State Bank of India Tamil Nadu 33 Ramanathapuram 3327

State Bank of India Tamil Nadu 33 Salem 3308

State Bank of India Tamil Nadu 33 Sivaganga 3323

State Bank of India Tamil Nadu 33 Thanjavur 3321

State Bank of India Tamil Nadu 33 The Nilgiris 3311

State Bank of India Tamil Nadu 33 Theni 3325

State Bank of India Tamil Nadu 33 Thiruvallur 3301

State Bank of India Tamil Nadu 33 Thiruvarur 3320

State Bank of India Tamil Nadu 33 Thoothukkudi 3328

State Bank of India Tamil Nadu 33 Tiruchirappalli 3315

State Bank of India Tamil Nadu 33 Tirunelveli 3329

State Bank of India Tamil Nadu 33 Tiruvannamalai 3306

85

State Bank of India Tamil Nadu 33 Vellore 3304

State Bank of India Tamil Nadu 33 Viluppuram 3307

State Bank of India Tamil Nadu 33 Virudhunagar 3326

STATE BANK OF TRAVANCORE Tamil Nadu 33 Kanniyakumari 3330

SYNDICATE BANK Tamil Nadu 33 Chennai 3302

SYNDICATE BANK Tamil Nadu 33 Coimbatore 3312

SYNDICATE BANK Tamil Nadu 33 Kancheepuram 3303

SYNDICATE BANK Tamil Nadu 33 Salem 3308

THE FEDERAL BANK LTD Tamil Nadu 33 Chennai 3302

THE FEDERAL BANK LTD Tamil Nadu 33 Coimbatore 3312

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Cuddalore 3318

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Dharmapuri 3305

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Dindigul 3313

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Erode 3310

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Karur 3314

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Nagapattinam 3319

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Namakkal 3309

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Perambalur 3316

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Pudukkottai 3322

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Thanjavur 3321

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Thiruvarur 3320

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Tiruchirappalli 3315

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Tiruvannamalai 3306

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Viluppuram 3307

THE LAKSHMI VILAS BANK LTD Tamil Nadu 33 Virudhunagar 3326

UCO BANK Tamil Nadu 33 Cuddalore 3318

UCO BANK Tamil Nadu 33 Kancheepuram 3303

UCO BANK Tamil Nadu 33 Madurai 3324

UCO BANK Tamil Nadu 33 Nagapattinam 3319

UCO BANK Tamil Nadu 33 Namakkal 3309

UCO BANK Tamil Nadu 33 Salem 3308

UCO BANK Tamil Nadu 33 Sivaganga 3323

UCO BANK Tamil Nadu 33 Thanjavur 3321

UCO BANK Tamil Nadu 33 The Nilgiris 3311

UCO BANK Tamil Nadu 33 Thiruvallur 3301

UCO BANK Tamil Nadu 33 Tiruchirappalli 3315

UCO BANK Tamil Nadu 33 Viluppuram 3307

UCO BANK Tamil Nadu 33 Virudhunagar 3326

UNION BANK OF INDIA Tamil Nadu 33 Ariyalur 3317

UNION BANK OF INDIA Tamil Nadu 33 Chennai 3302

UNION BANK OF INDIA Tamil Nadu 33 Coimbatore 3312

UNION BANK OF INDIA Tamil Nadu 33 Cuddalore 3318

UNION BANK OF INDIA Tamil Nadu 33 Dharmapuri 3305

86

UNION BANK OF INDIA Tamil Nadu 33 Dindigul 3313

UNION BANK OF INDIA Tamil Nadu 33 Erode 3310

UNION BANK OF INDIA Tamil Nadu 33 Kancheepuram 3303

UNION BANK OF INDIA Tamil Nadu 33 Kanniyakumari 3330

UNION BANK OF INDIA Tamil Nadu 33 Karur 3314

UNION BANK OF INDIA Tamil Nadu 33 Madurai 3324

UNION BANK OF INDIA Tamil Nadu 33 Nagapattinam 3319

UNION BANK OF INDIA Tamil Nadu 33 Namakkal 3309

UNION BANK OF INDIA Tamil Nadu 33 Perambalur 3316

UNION BANK OF INDIA Tamil Nadu 33 Pudukkottai 3322

UNION BANK OF INDIA Tamil Nadu 33 Ramanathapuram 3327

UNION BANK OF INDIA Tamil Nadu 33 Salem 3308

UNION BANK OF INDIA Tamil Nadu 33 Sivaganga 3323

UNION BANK OF INDIA Tamil Nadu 33 Thanjavur 3321

UNION BANK OF INDIA Tamil Nadu 33 The Nilgiris 3311

UNION BANK OF INDIA Tamil Nadu 33 Theni 3325

UNION BANK OF INDIA Tamil Nadu 33 Thiruvallur 3301

UNION BANK OF INDIA Tamil Nadu 33 Thiruvarur 3320

UNION BANK OF INDIA Tamil Nadu 33 Tiruchirappalli 3315

UNION BANK OF INDIA Tamil Nadu 33 Tirunelveli 3329

UNION BANK OF INDIA Tamil Nadu 33 Tiruvannamalai 3306

UNION BANK OF INDIA Tamil Nadu 33 Vellore 3304

UNION BANK OF INDIA Tamil Nadu 33 Viluppuram 3307

UNION BANK OF INDIA Tamil Nadu 33 Virudhunagar 3326

UNITED BANK OF INDIA Tamil Nadu 33 Chennai 3302

UNITED BANK OF INDIA Tamil Nadu 33 Coimbatore 3312

UNITED BANK OF INDIA Tamil Nadu 33 Erode 3310

UNITED BANK OF INDIA Tamil Nadu 33 Kancheepuram 3303

UNITED BANK OF INDIA Tamil Nadu 33 Madurai 3324

UNITED BANK OF INDIA Tamil Nadu 33 Salem 3308

VIJAYA BANK Tamil Nadu 33 Chennai 3302

VIJAYA BANK Tamil Nadu 33 Kancheepuram 3303

VIJAYA BANK Tamil Nadu 33 Nagapattinam 3319

VIJAYA BANK Tamil Nadu 33 Salem 3308

VIJAYA BANK Tamil Nadu 33 Thanjavur 3321

VIJAYA BANK Tamil Nadu 33 Vellore 3304

87

Additional Agenda: 127th SLBC

Financing of Licensed Cultivators /Tenant Farmers & Action Plan to

finance all farmers by 30.09.2011 as per Government of India’s

directions:

NABARD advised vide their communication dated 08.09.2011 the following

for discussion:

1) Financing of Licensed cultivators /Tenant Farmers:

Andhra Pradesh Government has promulgated an Ordinance titled „AP

Land Licensed Cultivators Ordinance 2011‟ to facilitate financing

tenant /oral/ lessee farmers. It envisages issue of “Loan and Other

benefits eligibility cards” to access credit from the Public Financial

Institutions and also to claim benefits of input subsidy, crop

insurance, compensation for damage of crop etc.

2) Lending to Agriculture- Action Plan for coverage of all farmers by 30

September,2011:

In continuation of the guidelines given by Ministry of Finance(Agenda

3 –New Issues-Page 8) Government of India vide their letter dated

07.09.2011 advised all the banks that the action plan should include

the following:

a) Each non-defaulter farmer to be given a KCC by 15.10.2011. The

list of farmers in each village to be obtained from local census

office / local revenue office. LDM of each district to get this list

made available for each village to the branch which is its service

area.

b) Each Bank to work out a scheme for giving savings cum OD account

to other families which do not have any land and live in rural areas.

OD limit up to Rs.10000/- against personal guarantee of the

villager to be provided with the account.

88

2)Additional Agenda: 127th SLBC

Disposal of applications seeking finance from Public Sector Banks:

Ministry of Finance, Government of India vide their letter dated 02.09.2011

advised that there are considerable delay in disposing the loan applications

seeking finance from Public Sector Banks (PSBs). In order to expedite the

decision making on the loan applications the banks should consider the

following:

1) All loan proposals which are to be approved at Head Office level may

be reviewed on a fixed day by the CMDs/MDs and EDs together in

order to ensure that there is no pendency above three months. While

reviewing, CMDs/MDs and EDs may discuss the same with the Field

Officers through video conference for instant feedback.

2) All loan proposals which are to be approved at the Zonal Office or

Branch level may be reviewed by the Zonal Managers on a fixed day in

a week so that there is no pendency for over 45 days.

3) The loan applications which are pending for want of response/

information from different State Governments- whether to be

approved at Head Office level or Zonal Office level, may be followed

up by the concerned Zonal Offices with the respective departments

of the State Governments for expeditious clearance. Matters relating

to applications to be disposed of by Branch Managers, may be taken up

by the Branch Managers in DCC on a monthly basis.

The Chief Secretary, Government of Tamil Nadu is requested for

expeditious clearance of the projects coming up in the State where banks/

financial institutions have sanctioned the projects but disbursement is

pending for want of clearance.

The forum is requested to deliberate on the above and offer suggestions.

89

3) Additional Agenda: 127th SLBC

Routing of Government of India subsidies directly to the account of the

beneficiaries, electronically through banks:

Ministry of Finance, Government of India advised all the Banks to ensure

that the subsidies/ grants given in 35 schemes sponsored by Government of

India are credited directly to the accounts of the beneficiaries

electronically through bank accounts.

The State Government is requested to issue appropriate instructions to all

the departments concerned to make payments of all the subsidies / grants

to the accounts of the beneficiaries electronically.

The Lead District Managers are also requested to have meetings with the

DCC to see that all grants/ subsidies in the 35 schemes are directly

credited to the account of the beneficiary electronically.

The list of the 35 schemes is provided as an annexure.

97


Financial Inclusion – One Panchayat /One Bank /One Business

Correspondent model:

Ministry of Finance, Government of India desires that ALL VILLAGES in a

particular PANCHAYAT have to be allotted to a single Business

Correspondent in the long term.

In Tamil Nadu there are 12620 Panchayats and 12781 villages. District wise,

only in 5 districts namely Cuddalore, Dharmapuri, Krishnagiri, Tirunelveli and

Vellorethere are 161 Panchayats which have more than 1 village. These Lead

District Managers have been advised to confirm that if these Panchayats

have been allotted to any bank under FI, all the villages under these

Panchayats are covered by the same Bank only and also only one BC is

appointed for all the villages irrespective of the population size in those

villages coming under the particular Panchayat.

While the Financial Inclusion plan is taken forward to less than 2000

population in stages the same strategy of “One Panchayat-All Villages-One

BC” model has to be ensured.

98


Implementation of Electronic Benefit Transfer (EBT) and its convergence

with Financial Inclusion Plan(FI):

It is advised by Reserve Bank of India vide their letter dated 12.08.2011

that Electronic Benefit Transfer (EBT) for servicing low value accounts and

extending banking infrastructure to underserved low income areas has been

implemented in few States on pilot basis in select Districts under the “One

District-One Bank” Model. Difficulties have been expressed by stake

holders in scaling the model.

The experience gained so far suggests that the “One Bank-One District”

model has not been able to achieve the objective of financial inclusion.

Allocation of villages amongst banks under the Financial Inclusion Plan (FIP),

i.e. Roadmap for providing banking services to villages with population above

2000, has been generally on the basis of the Service Area Approach. This

has led to a situation wherein the designated bank for EBT and FIP in the

same village differed.

This issue has been raised in various fora by the State Governments and

banks. For clearer conceptual understanding and based on detailed

consultative meetings and interface with stake holders, "Operational

guidelines on implementation of Electronic Benefit Transfer and its

convergence with Financial Inclusion Plan" has been formulated by Reserve

Bank of India and it is circulated to all the Banks vide their letter dated

12.08.2011. The following guidelines are given in lieu of the One District-One

Bank Model.

a) No designated bank by itself may have the adequate

branch/BC network to reach the entire district.

b) Even if the designated bank is somehow able to undertake

EBT in the district, it may not be able to provide all other

financial services like deposits, OD, remittance and GCCs/KCCs

to the customers. It may also not be able to provide banking

services to non government beneficiaries.

c) The designated bank may deploy BCs in the villages only on 2-

3 pre-notified days in a month for disbursing the amount of

social security payments in cash to the EBT beneficiaries.

99

d) The designated banks may also not be able to provide banking

services to non government beneficiaries. This inhibition could

be due to the fact that under roadmap to reach about 72,800

villages of above 2000 population by March 2012, the SLBCs

have generally adopted Service Area Approach (SAA) for

allotment of unbanked villages to banks. This has caused overlap

of villages between the EBT mandated bank and FIP mandated

bank. While there is no bar at this stage of Financial Inclusion,

going forward this may lead to viability issues, which requires to

be addressed.

e) EBT beneficiaries will be required to open accounts with

other banks for their regular banking transactions.

Beneficiaries will end up managing more than one account/smart

card while accessing services from different banks.

f) The one bank - one district model will thus take away

freedom from public to bank with the Bank of their choice

keeping in view better service, etc.

g) In the absence of whole range of banking services mentioned

above the BC/branch at these locations would not be viable.

The forum is requested to deliberate on the above issue and to offer their

suggestions.

100

TABLE AGENDA No: 1 127th SLBC

BANK-WISE ANNUAL CREDIT MOBILISATION TARGET UNDER SGSY

FOR THE PROGRAMME YEAR 2011-12

Bank-wise Credit Mobilisation Targets under SGSY 2011-12 advised by

Reserve Bank of India is furnished in the annexure.

Member Banks and Tamil Nadu Corporation for Development of Women Ltd.

are requested to ensure 100% achievement of the above target well before

March 2012.

101

BANKWISE CREDIT MOBILISATION TARGET UNDER SGSY 2011-12

TAMIL NADU STATE

(Rs.in Lacs)

Sl.No Name of the Bank CREDIT TARGET

Scheduled Commercial Banks

1 Allahabad Bank 21.95

2 Andhra Bank 4.97

3 Bank of Baroda 441.13

4 Bank of India 515.69

5 Bank of Maharastra 9.65

6 Canara Bank 2926.56

7 Catholic Syrian Bank Ltd. 4.67

8 Central Bank of India 745.10

9 City Union Bank Ltd. 168.41

10 Corporation Bank 303.33

11 Dena Bank 19.51

12 Dhanalakshmi Bank Ltd. 70.70

13 HDFC Bank Ltd. 8.40

14 ICICI Bank Ltd. 45.16

15 Indian Bank 5220.11

16 Indian Overseas Bank 4549.43

17 Ing Vysya Bank Ltd. 2.64

18 Karur Vysya Bank Ltd 69.45

19 Lakshmi Vilas Bank Ltd 80.37

20 Punjab National Bank 249.18

21 South Indian Bank Ltd. 71.95

22 State Bank of Hydrabad 6.53

23 State Bank of India 5090.98

24 State Bank of Mysore 41.72

25 State Bank of Travancore 113.06

26 Syndicate Bank 321.30

27 Taminadl Mercantile Bank Ltd. 307.28

28 UCO Bank 227.07

29 Union Bank of India 643.29

30 Axis Bank Ltd. 0.46

31 Vijaya Bank 78.66

Regional Rural Banks

32 Pandyan Grama Bank 1392.89

33 Pallavan Grama Bank 605.38

Co-Operative Banks

34 TNSC Bank 4053.02

TOTAL CREDIT MOBILISATION TARGET 28410.00

102

Table Agenda No: 2 127th SLBC

SWAROZGAR CREDIT CARD SCHEME – ALLOCATION FOR 2011-12

NABARD vide their letter of 13.09.2011 have advised the targets fixed for

Banks in Tamil Nadu under Swarjgar Credit Card (SCC). A total target of

24375 SCCs has been fixed for Tamil Nadu during 2011-12. The Bankwise

allocation of the target and the format for submission of quarterly progress

report to NABARD are provided as annexure.

AGENDA: 1 118th SLBC - slbctn.com

Documents

Transcript of AGENDA: 1 118th SLBC - slbctn.com