Meetings Haryana/Agen… · Web view2017/11/17 · 2017 Variation Sept. 2017/Sept., 2016 (Absolute...

The 142nd meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended 30th Sept., 2017 would be held on 17.11.2017 (Friday) at 10.30 A.M. at Hotel Mount View, Sector 17, Chandigarh. Following issues shall be taken up for discussions in the meeting:-

AGENDA ITEM NO. 1

CONFIRMATION OF MINUTES OF 141st MEETING OF STATE LEVEL BANKERS' COMMITTEE (HARYANA) HELD ON 11.08.2017

Last Meeting of SLBC 141st Held on 11.08.2017Minutes Emailed/Circulated on 01.09.2017Comments Received Nil

In view of non-receipt of any observation/suggestion on the minutes of 141st meeting of SLBC Haryana circulated vide email dated 01.09.2017, the house may confirm. AGENDA ITEM NO. 2.1

SUPPORT FROM FINANCIAL INCLUSION FUND (FIF)-DEPLOYMENT OF POS TERMINALS IN TIER 5 & 6 CENTRES

NABARD, Central Office, Mumbai vide their Circular No.283/DFIBT-39/2016 dated 6th Dec.,2016 addressed to CMDs/Chairman/CEOs of Scheduled Commercial Banks, State Cooperative Banks and District Central Cooperative Banks had informed that there is a thrust on digital transactions and a need to provide an impetus to cashless transactions amongst the farming community also. As such, there is a need to increase the digital payments and acceptance infrastructure in rural areas. The deployment of Point of Sale Machines (PoS) Terminals will ensure cashless transactions which will squeeze the physical use of money/currency, resultantly the customers will withdraw only small amounts of cash in rural areas and especially in Tier 5 & 6 centers, covering population less than 10000.

Agenda & Background Papers of 142nd Meeting of SLBC Haryana

142nd Meeting of State Level Bankers’ Committee (Haryana)

As informed earlier that NABARD is extending financial support of maximum Rs.6000/- (Rs. Six Thousand only) from Financial Inclusion Fund (FIF) for deployment of PoS Terminals in one lakh villages in Tier 5-6 Centres, subject to a cap of two PoS devices per village.

Bankwise Position of PoS Machines Sanctioned and installed is given below:-

S.No.

Name of the Bank

No. of Village

s

PoS Machines Sanctione

d

Amount Sanctioned(Rs.6000)/

per machine

PoS Machine

s Installe

d

Subsidy ClaimedNo. of

Machines

Amt(Rs. In

lacs)1. Allahabad

Bank24 48 2.88 - - -

2. Bank of Baroda

37 37 2.22 - - -

3. Bank of India 40 80 4.80 43 - -4. Canara Bank 150 192 11.52 - - -5. CBI 112 112 6.72 - - -6. Dena Bank 8 16 0.96 - - -7. IDBI Bank 12 23 1.38 10 10 0.608. Indian Bank 20 20 1.20 - - -9. IOB 7 14 0.84 - - -10. OBC 63 126 7.56 - - -11. PNB 500 783 46.98 169 -12. SBI 188 361 21.66 8 8 0.4813. Syndicate

Bank61 122 7.32 - - -

14. UCO Bank 26 52 3.12 - - -15. UBI 36 72 4.32 - - -16. Vijaya Bank 2 4 0.24 - - -Public Sector Banks

1286 2062 123.72 230 18 1.08

1 Axis Bank 96 192 11.52 54 - -2 HDFC Bank 13 15 0.90 - - -3 ICICI Bank 30 48 2.88 - - -4 Ratnakar

Bank364 364 21.84 - - -

5 Yes Bank 100 200 12.00 - - -Private Sector Banks

603 819 49.14 54 - -

Total Pub. & Pvt. Sec. Banks

1889 2881 172.86 284 18 1.08

Sarva Haryana 2100 2500 150.00 - - -


Gramin BankCoop. Banks 718 718 43.08 98 - -Total 4707 6099 365.94 382 18 1.08Source: NABARD & BanksThe issue was also discussed in the 3rd meeting of Steering Committee to SLBC Haryana and the controlling heads of banks were requested to ensure that the PoS Machines are installed in the villages identified by their bank and subsidy is claimed from NABARD under Financial Inclusion Fund (FIF).

AGM NABARD apprised the house that the date of first lodgement of claims is 31st Dec., 2017 and subsequent claims can be lodged upto 31st March, 2019.

Controlling heads of banks are once again requested to ensure that the POS Machines are installed in the villages identified by their bank and the subsidy from NABARD is claimed and the related data is provided to SLBC Secretariat for review in the next meeting of SLBC Haryana.

The house may discuss.AGENDA ITEM NO. 2.2

IMPLEMENTATION OF MEASURES FOR PROMOTION & PROLIFERATION OF DIGITAL PAYMENTS IN THE STATE

The State Government has constituted a State Level Committee comprising of Chief Secretary, Haryana (Chairman), Administrative Secretaries to Govt. of Haryana, Revenue, Finance & Planning, Women & Child Development, Development & Panchayats, Transport, School Education, Food, Civil Supplies & Consumer Affairs, Health, Public Health Engineering, Electronics & Information Technology, Urban Local Bodies, Agriculture and Farmers’ Welfare, Skill Development and Industrial Training and Power Departments as members for the promotion and proliferation of digital payments to achieve the target of 72 crore digital transactions allocated by the Govt. of India to the State of Haryana.

In this regard, meetings of the committee were held on 8th Sept., 2017 under the Chairmanship of Chief Secretary, Haryana and on 18 th Sept., 2017 under the Chairmanship of Shri P.Raghavendra Rao, IAS, ACS,


Finance & Planning, Govt. of Haryana. It was discussed that in order to achieve the allocated target of 72 crore digital transactions to the State of Haryana by the Govt. of India, various State Govt. Departments, Banks and other agencies need to make concerted efforts. As advised in the above meeting, SLBC Haryana Secretariat has collected and compiled bank wise targets of digital transactions assigned to various banks in the State of Haryana by DFS, MOF, GOI, New Delhi and submitted the same to Electronics & Information Technology Department, Haryana and Finance Department, Haryana for regular monitoring.However, the following banks have till date not submitted the desired targets to SLBC Haryana Secretariat:-

1. Andhra Bank 2. Corporation Bank 3.IDBI Bank & 4.United Bank of India and all Private Banks.

It was also advised that PNB should resolve all technical and financial issues with the Food & Supply Department, Haryana for implementation of AEPS for Public Distribution System by 30th Sept., 2017. Directorate of Food, Civil Supplies & Consumer Affairs, Haryana vide their letter dated 17th Oct., 2017 that Govt. of Haryana has assigned the work of implementation of Aadhaar Enabled Payment System (AePs)/Cashless Transactions at Fair Price Shops (FPS) in the entire State of Haryana to Punjab National Bank.It is informed that necessary instructions have been given to the Lead District Managers of PNB in the State of Haryana and Circle Office South Delhi (Non-Lead Districts-Faridabad, Gurugram, Mewat and Palwal) for opening of current accounts of the Fair Price Shop Owners in coordination with District Food & Civil Supply Officer of their respective district. Necessary work has also been initiated at PNB HO level and efforts are being made to accomplish the task at the earliest.State Bank of India was advised to take necessary steps to ensure one hundred per cent software integration with e-GRAS by 30th Sept., 17 to enable maximum digital transactions in the State. It was also desired that SBI should provide Department wise details of active/inactive PoS machines as well as the transactions carried out through them immediately so that the matter can be taken up with the concerned


departments for appropriate resolution. Representative of SBI may apprise the house in this regard.Against the target of 72 crore digital transactions allocated to the State of Haryana, 6,49,36,425 transactions amounting to Rs.56461 crore have been performed at PoS machines alone installed by banks in the State of Haryana as at 30.09.2017 besides transactions made through other digital modes. Bank wise position is given on Annexure No. 1 (P-117).

The house may discuss.

AGENDA ITEM NO. 3.

IMPLEMENTATION OF PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

3.1 STATUS OF OPENING OF ACCOUNTS UNDER PMJDY

Banks have opened 63,98,380 accounts up to 30.09.2017 under PMJDY since its launching on 28.08.2014 whereas upto 30th June, 2017, 63,46,162 PMJDY accounts were opened by banks in the State of Haryana. A sum of Rs.2153 crore has also been mobilized by banks in these accountsAlthough, a majority of people have opened their banks accounts, however, controlling heads of banks are requested to advise their field staff to continue opening more and more accounts under PMJDY and ensure that no person in the State of Haryana remains unbanked. Banks should also encourage opening of accounts of children/students.Haryana State stood at 11th place on All India Basis in opening of accounts under PMJDY on the basis of density of population.

Detail of Accounts opened under PMJDY upto 30.09.2017 is as under:-Total Accounts Opened : 63,98,380

Rural Areas : 31,43,047 (49.1%)Urban Areas : 32,55,333 (50.9%)Sr. No.

Parameter Name of the Bank

1 Top 3 Banks

State Bank of India (14,24,184), Punjab National Bank (11,96,314) and Sarva Haryana Gramin Bank


(8,31,076)2. Bottom 3

banksSouth Indian Bank (828), Catholic Syrian Bank (1179) and Karur Vysya Bank (1222)

Total Accounts Opened as on 30.06.2017 : 63, 46, 162 Incremental : 52, 218

Top 3 and bottom 3 districts with their performance under Opening of Accounts under PMJDY are as under:-

Sr. No.

Parameter Name of the District

1 Top 3 Districts Faridabad (6,20,794), Hisar (4,71,054) and Gurugram (4,67,345)

2. Bottom 3 Districts

Charkhi Dadri (83,045), Panchkula (1,47,647) and Rewari (1,68,740)

Point for Discussion: LDMs of District Charkhi Dadri, Panchkula and Rewari are requested to advise the banks operating in their respective districts to continue opening of new accounts under PMJDY as progress upto the quarter ended Sept., 2017 requires more efforts in this regard.Bank wise/District wise position of opening of accounts under PMJDY is given on Annexure No. 2.1-2.2 (P 118-119).

Top 3 and bottom 3 Banks with their performance under Opening of Accounts (During the quarter ended Sept., 17) under PMJDY are as under:-Sr. No.


1 Top 3 Banks-Which opened maximum accounts during the Q.E.Sept.,17

Bank of Baroda (21,998), ICICI Bank (19044) and Indian Bank


(18,517) Convener Bank-9318

2. Bottom 3 banks-Which opened minimum accounts during the Q.E. Sept.,17

Vijaya Bank (30), Indian Overseas Bank (99) and Federal Bank (127)

Point for Discussion: Controlling Heads of all banks but specially Vijaya Bank, Indian Overseas Bank and Federal Bank to advise their field functionaries to continue opening of new accounts under PMJDY as progress during the quarter ended Sept., 2017 was not upto the mark.

AGENDA ITEM NO. 3.2

ISSUANCE OF RUPAY CARDS

Out of 63,98,380 accounts opened under PMJDY, Rupay Cards have been issued in 55,64,324 accounts as at 30.09.2017, which is 87% of the total accounts opened. Haryana State stood at 5th place on All India Basis in issuance of Rupay Cards after 1.Tripura 2. Tamilnadu 3. Manipur and 4. Karnataka.

Rupay Cards Issued as on 30.06.2017 : 55,22,920Incremental : 41,404The %age of issuance of Rupay Cards against the number of accounts opened under PMJDY in respect of the following banks is 80% & above:-

Sr. No.

% of issuance of Rupay Cards

Name of the Bank

1 80% & above Allahabad Bank (82%), Andhra Bank (88%), BOB (95%), BOI (99%), Canara Bank (81%), CBI (88%), Corporation Bank (95%), Dena Bank (89%), IDBI (82%), Indian Bank (85%), IOB


(95%), OBC (87%), PNB (83%), PSB (87%), SBI (90%), Syndicate Bank (91%), Vijaya Bank (88%),Axis Bank (84%), Federal Bank (86%), HDFC Bank (100%), ICICI (100%), Indusind Bk (97%), J&K Bank (91%), Kotak Mahindra Bank (96%), South Indian Bank (92%), Yes Bank (83%) and Sarva Haryana Gramin Bank (88%).

2. 50% or Less Karnataka Bank (33%) and Nainital Bank (49%) Top 3 and bottom 3 banks with their performance under issuance of Rupay Cards are as under:-Sr. No.


1 Top 3 Banks ICICI Bank (100%), HDFC Bank (100%) and Bank of India (99%)

2. Bottom 3 banks

Catholic Syrian Bank (65%), Nainital Bank (49%) and Karnataka Bank (33%)

Point for Discussion: Controlling Heads of Catholic Syrian Bank, Nainital Bank and Karnataka Bank are requested to advise their field functionaries to ensure 100% issuance of Rupay Cards in the PMJDY accounts as performance of their banks as at Sept., 2017 was not upto the mark and require more efforts.Top 3 and bottom 3 districts with their performance under issuance of Rupay Cards are as under:-

Sr. No.


1 Top 3 Districts Jind, Kaithal and Fatehabad (90%)2. Bottom 3

DistrictsBhiwani & M.Garh (81%) and Charkhi Dadri (83%)

Point for Discussion: Lead District Managers of Bhiwani, M.garh and Charkhi Dadri are advised to ensure 100% issuance of Rupay Cards in the PMJDY accounts as performance of their respective District as at Sept, 2017 was not upto the mark and requires strenuous efforts to improve the performance of their district in this regard.


Bank wise/District wise status of issuance of Rupay Cards is given on Annexure No. 3.1-3.2 (P 120-121).The house may discuss.

AGENDA ITEM NO. 3.3

ACTIVATION OF RUPAY CARDS

As per the data received from banks it has been observed that out of 55,64,324 Rupay Cards issued upto 30.09.2017, 48,46,112 cards have been activated which is 87% of the total Rupay Cards issued. Out of total 55,64,324 Rupay Cards issued, 6,48,103 Rupay Cards have been issued in Zero Balance accounts and out of these, 4,67,505 (72%) Rupay Cards have been activated.

Rupay Cards Activated as on 30.06.2017 : 48,53,789

Incremental : -7,677

(Due to reduction of PMJDY accounts by UCO Bank)

Sr. No.

% of Rupay Cards Activated

Name of the Bank

1 Above 85% activation

Sarva Haryana Gramin Bank (100%), BOM (100%), UCO Bank (100%), ICICI Bank (100%), J&K Bank (99%), Karnataka Bank (100%) PSB (99%), Allahabad Bank (96%), BOI (89%), Canara Bank (88%), CBI (89%), IDBI Bank (93%), IOB (93%), PNB (87%), SBI (85%), UBI (89%) and Axis Bank (99%)

2 Less than 50% Activation

Federal Bank (33%), Kotak Mahindra Bank (33%) and Yes Bank (40%)

Bank wise Position is given on Annexure No. 3.1 (P-120).Top 3 and bottom 3 banks with their performance under Activation of Rupay Cards are as under:-

Sr. Parameter Name of the Bank


No.1 Top 3 Banks Sarva Haryana Gramin Bank (100%), BOM

(100%), and UCO Bank (100%)2. Bottom 3 banks Federal Bank (33%), Kotak Mahindra Bank

(33%) and Yes Bank (40%)

DFS, MOF, GOI, New Delhi vide communication dated 26.11.2015 informed that NPCI has extended 45 days usage condition (minimum one usage in 45 days) to 90 days (minimum one usage in 90 days) for RuPay Classic cardholders with effect from 25th Nov 2015. It may be noted that 45 days usage condition will remain unchanged for RuPay Platinum Cardholders.

From April 2016 onwards any customer induced transaction done by the account holder at the bank branch within the stipulated period of 90 days will also be eligible for claiming the Rupay card linked insurance benefit.

Top 3 and bottom 3 districts with their performance under activation of Rupay Cards are as under:-

Sr. No.


1 Top 3 Districts Fatehabad (92%), Bhiwani and Charkhi Dadri (91%)


Jhajjar (80%), Mewat (81%) and Kaithal (82%)

District wise Position is given on Annexure No. 3.2 (P-121).Point for Discussion: Lead District Managers of Jhajjar, Mewat and Kaithal are advised to accelerate their efforts to achieve 100% activation of Rupay Cards in the PMJDY accounts as performance of their respective District as at Sept., 2017 was not satisfactory/upto the mark


and require more efforts to be put in by the field functionaries of banks operating in their districts. The house may discuss.

AGENDA ITEM NO. 3.4

ZERO BALANCE ACCOUNTS

Out of total accounts 63,98,380 opened under PMJDY, 9,41,203 accounts are zero balance accounts, which is 15% of the total accounts opened.Zero Balance as on 30.06.2017 10,52,653Decrease -1,11,458Top 3 and Bottom 3 banks with their performance under Zero Balance Accounts under PMJDY are as under:-

Sr. No.


1. Top 3 banks

Punjab & Sind Bank (1%), Sarva Haryana Gramin Bank (3%) and Vijaya Bank (3%).Convener Bank- (5%)

2. Bottom 3 Banks

Catholic Syrian Bank (85%), Kotak Mahindra Bank (52%) and Yes Bank (49%)

Point for Discussion: Controlling Heads of Banks of Catholic Syrian Bank, Kotak Mahindra Bank and Yes Bank are requested to advise their field functionaries to minimize the Zero Balance PMJDY Accounts as %age of Zero Balance accounts of their banks as at Sept., 2017 was very high and not upto the mark. Strenuous efforts are required to be taken by the banks to minimize the zero balance accounts. Top 3 and bottom 3 districts with their performance under Zero Balance accounts are as under:-

Sr. No.



1 Top 3 Districts (Minimum Zero Balance A/cs)

Charkhi Dadri (5%), Panchkula (8%) and Bhiwani (9%)

2. Bottom 3 Districts (Maximum Zero Balance A/cs

Faridabad (25%), Mewat (20%), Fatehabad and Gurugram (17%)

Point for Discussion: Lead District Managers of Faridabad, Mewat, Fatehabad and Gurugram are advised to make efforts to improve the performance of banks operating in their respective district in minimizing the zero balance PMJDY accounts as their performance as at Sept., 2017 requires more efforts to be put in by the banks in this regard.Bank wise/District wise Position of Zero Balance A/cs is given on Annexure No. 3.1-3.2 (P 120-121).The house may discuss.

AGENDA ITEM NO. 3.5

AADHAAR SEEDING AND MOBILE NUMBER SEEDING IN OPERATIVE SAVING FUND ACCOUNTS

Govt. of India has advised to complete Aadhaar seeding in all Bank accounts by 31.12.2017. In case, the Aadhaar is not provided to the bank by 31.12.2017, the account shall become inoperative till the time Aadhaar is provided to the bank for seeding.

3.5 (i) AADHAAR SEEDING IN OPERATIVE SAVING BANK ACCOUNTS

As per the data received from banks it has been observed that upto 30.09.2017, out of 3,02,70,157 operative Saving Fund Accounts, Aadhaar has been seeded in 2,27,57,862 accounts (75%) and 75,12,295 accounts are yet to be seeded with Aadhaar number of the accountholders. Sr. No

% of Aadhaar Number Seeded in

Name of the Bank


. Operative Saving Bank Accounts

1 60% & above Allahabad Bank (68%), Andhra Bank (79%), Bank of Baroda, (79%), Bank of India (81%), Bank of Maharashtra (67%), Canara Bank (75%),Central Bank of India (77%), Corporation Bank (68%), Dena Bank (91%), IDBI Bank (75%), Indian Bank (80%), IOB (85%), Oriental Bank of Commerce (63%), Punjab National Bank (76%), Punjab & Sind Bank (83%), State Bank of India (79%), Syndicate Bank (75%), Union Bank of India (83%), UCO Bank (93%), United Bank of India (71%), Vijaya Bank (87%), HDFC Bank (66%), Indusind Bank (84%), J&K Bank (66%) Karur Vysya Bank (78%), Nainital Bank (80%), Yes Bank (63%), Sarva Haryana Gramin Bank (90%) and Harco Bank (81%)

2 Less than 60% Axis Bank (59%), Federal Bank (21%), ICICI Bank (49%), Karnataka Bank (40%), Kotak Mahindra Bank (45%) and South Indian Bank (19%).

3 Data not submitted by

Catholic Syrian Bank

Top 3 and bottom 3 banks with their performance in Aadhaar Seeding in Operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Banks UCO Bank (93%), Dena Bank (91%) & Sarva Haryana Gramin Bank (90%)


2. Bottom 3 banks

South Indian Bank (19%), Federal Bank (21%) and Karnataka Bank (40%)

Bank wise Position is given on Annexure No.4.1 (P-122)

Point for Discussion: Controlling heads of all banks are requested to ensure to achieve 100% Aadhaar seeding in operative Saving Bank Accounts of their bank before the stipulated date.

However, Controlling Heads of South Indian Bank, Federal Bank and Karnataka Bank are requested to initiate immediate necessary steps to improve the performance of their bank in Aadhaar seeding of Operative Saving Bank Accounts as it was not upto the mark/satisfactory.

Top 3 and bottom 3 districts with their performance in Aadhaar Seeding in Operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Districts Kurukshetra (84%), Fatehabad and Sirsa (82%)2. Bottom 3

DistrictsGurugram (66%), Jhajjar (71%) and Bhiwani (72%)

Point for Discussion: Lead District Managers of Gurugram, Jhajjar and Bhiwani are advised to accelerate their efforts to achieve 100% aadhaar seeding in the operative Saving Bank accounts as performance of their respective District as at Sept., 2017 was not satisfactory/upto the mark and requires more efforts.

District wise Position is given on Annexure No.4.2 (P-123)

3.5 (ii) MOBILE NUMBER SEEDING IN OPERATIVE SAVING BANK ACCOUNTS

As per the data received from banks it has been observed that upto 30.09.2017, out of 3,02,70,157 operative Saving Fund Accounts, Mobile number has been seeded in 2,32,79,372 accounts (77%) and


69,90,785 accounts are yet to be seeded with Aadhaar number of the accountholders whereas upto June, 2017 out of 2,88,39,100 operative Saving Fund Accounts, mobile numbers were seeded in 2,27,38,715 accounts (79%).

Sr. No.

% of Mobile Number Seeded in Operative Saving Bank Accounts

Name of the Bank

1 60% & above Allahabad Bank (70%), Andhra Bank (90%), Bank of Baroda, (89%), Bank of India (80%), Bank of Maharashtra (89%), Canara Bank (95%), Corporation Bank (79%), Dena Bank (82%), IDBI Bank (96%), Indian Bank (77%), IOB (92%), Punjab National Bank (70%), Punjab & Sind Bank (75%), State Bank of India (85%), Syndicate Bank (58%), Union Bank of India (90%), UCO Bank (84%), United Bank of India (80%), Vijaya Bank (93%), Axis Bank (93%), Federal Bank (100%), HDFC Bank (99%), ICICI Bank (66%), Indusind Bank (100%), Karnataka Bank (93%), Karur Vysya Bank (84%), Kotak Mahindra Bank (74%), Nainital Bank (89%), South Indian Bank (86%), Yes Bank (100%) and Sarva Haryana Gramin Bank (75%).

2 Less than 60% OBC (49%), Central Bank of India (53%),Harco Bank (57%) and Syndicate Bank (58%)

3 Data not submitted by

Catholic Syrian Bank

Bank wise Position is given on Annexure No.4.1 (P-122)

Top 3 and bottom 3 banks with their performance in Mobile Seeding in Operative Saving Bank accounts are as under:-

Sr. No



.1 Top 3 Banks Federal Bank (100%) Indusind Bank (100%)

and Yes Bank (100%)2. Bottom 3 banks OBC (49%), Central Bank of India (53%) and Harco

Bank (57%)

Point for Discussion: Controlling heads of all banks are requested to ensure to achieve 100% Mobile number seeding in operative Saving Bank Accounts.Controlling Heads of Oriental Bank of Commerce, Harco Bank and Central Bank of India and are requested to initiate necessary steps to improve the performance of their bank in seeding of Mobile Number in Operative Saving Bank Accounts as performance of their bank as at Sept., 2017 was not upto the mark and requires more efforts from the field functionaries.

Top 3 and bottom 3 districts with their performance in mobile number seeding in operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Districts Gurugram (87%), Faridabad (85%), and Panchkula (83%)


M.Garh (64%), Jind (66%), Bhiwani and Jhajjar (68%)

District wise Position is given on Annexure No.4.2 (P-123)

Point for Discussion: Lead District Managers of M.Garh, Jind, Bhiwani and Jhajjar are advised to accelerate their efforts to achieve 100% seeding of mobile number in operative saving bank accounts of their respective District as at Sept., 2017 it was very low and requires concerted efforts by the field functionaries to improve the performance of their bank in this regard.


AGENDA ITEM NO. 3.6

CLAIMS RECEIVED AND SETTLED UNDER RUPAY CARDS

Parameter Unit Accident Claim(Rs.1.00 lac)

Natural Death Claim(Rs.0.30 lac)

Claims Recd. No. 299 294Amt. (Rs. In lacs) 299 88.20

Claims Lodged No. 299 293Amt. (Rs. In lacs) 299 87.90

Claims Settled No. 269 271Amt. (Rs. In lacs) 269 81.30

Claims Pending

No. 18 11

Bank wise Position is given on Annexure No.5.1-5.2 (P 124-125)

The benefits of natural death claim in PMJDY accounts were available for those persons who opened accounts during the period from 15.08.2014-31.01.2015 and Rupay Cards have been issued in these accounts.

The house may review.

AGENDA ITEM NO. 3.7

AADHAAR SEEDING IN THE A/CS OPENED UNDER PMJDY

Out of 63,98,380 accounts opened under PMJDY upto 30.09.2017, aadhaar have been seeded in 55,21,960 accounts which i.e 86% of the total accounts opened under the scheme upto 30.09.2017. The Government of India and State Govt. are implementing various DBT and Social Security schemes through bank accounts linked with Aadhaar to ensure that the benefits reach the genuine/actual beneficiaries.Detail of aadhaar seeding in the accounts opened under PMJDY upto 30.09.2017 is as under:-Total Accounts Opened : 63,98,380

Rural Areas : 31,43,047 (49.1%)


Urban Areas : 32,55,333 (50.9%)

Aadhaar Seeding in the A/cs opened under PMJDY: 55,21,960 (86%)

Rural : 27,01,081 (48.9%)Urban : 28,20,879 (51.1%)Aadhaar Seeded as on 30.06.2017 : 52,49,904

Incremental : 2,72,056

The %age of seeding of Aadhaar in the accounts opened under PMJDY in respect of the following banks is given below:-

S.No.

% of Aadhaar Seeding

Name of the Bank

1. 85% and Above Bank of India (91%), Bank of Baroda (90%), Indian Bank (93%), IOB (92%), PNB (89%), PSB (93%), SBI (89%), UCO Bank (92%), Vijaya Bank (91%), Indusind Bank (90%), South Indian Bank (93%) & Sarva Haryana Gramin Bank (87%)

2. Less than 50% Federal Bank (39%) and Nainital Bank (22%)Bank wise status of Aadhaar seeding is given on Annexure No. 2.1 (P 118).

Top 3 and bottom 3 banks with their performance in Aadhaar Seeding in the Accounts under PMJDY are as under:-

Sr. No.


1 Top 3 Banks Indian Bank (93%), PSB (93%), and Indian Overseas Bank (92%)

2. Bottom 3 banks

Federal Bank (39%), Nainital Bank (22%) and Andhra Bank (59%)

Point for Discussion: Controlling Heads of Federal Bank, Nainital Bank and Andhra Bank are requested to initiate necessary steps to


improve the performance of their bank in seeding of Aadhaar in PMJDY accounts as at Sept., 2017, as it was not satisfactory and requires concerted efforts for improvement.

Top 3 and bottom 3 districts with their performance in Aadhaar seeding in PMJDY accounts are as under:-

Sr. No.


1 Top 3 Districts Ambala & Sirsa (91%) and Faridabad & Panipat (90%)


Gurugram (79%), Jhajjar (81%) and Mewat (82%)

District wise status of Aadhaar seeding is given on Annexure No.2.2 (P-119).

Point for Discussion: Lead District Managers of Gurugram, Jhajjar and Mewat are advised to put in more efforts to achieve 100% seeding of Aadhaar in PMJDY accounts of their respective District as at Sept., 2017 as it was not satisfactory.The house may discuss.

AGENDA ITEM NO. 3.8

AADHAAR SEEDING IN THE ACCOUNTS OF MGNREGA WORKERS IN THE STATE OF HARYANA

Joint Secretary, DFS and Joint Secretary (MGNREGS), Ministry of Rural Development, GOI, New Delhi vide letter dated 1st July, 2017 had informed that in case the account holders of accounts existing prior to the date of notification no. G.S.R. 538 (E)i.e 01.06.2017 fail to submit their Aadhaar number to the bank by 31.12.2017, their accounts shall cease to be operational till the time the Aadhaar number is submitted by them. As such Aadhaar seeding in all savings bank account has become mandatory.


As per the instructions of MORD, GOI, New Delhi Special Camps were organized from 25th July-10th Sept., 2017 to ensure seeding of Aadhaar in the accounts of MGNREGA Workers in the State of Haryana. LDMs were advised to coordinate with the District Administration in organizing the Special Camps for seeding of Aadhaar in the accounts of MGNREGA Workers in their respective districts.Controlling heads of banks were also requested to advise their field functionaries to participate in the camps and ensure that no consent form received from the District Administration and LDM Office remains pending with them for seeding of Aadhaar in the account of MGNREGA.As per the report received from Rural Development Department, Haryana, out of 6,61,088 active MGNREGA workers in the State, 6,58,815 workers have been issued Aadhaar Card and out of these, Aadhaar in the accounts of 5,57,533 workers (84%) has been seeded and 1,03,555 workers is yet to be seeded.

District wise Progress is given on Annexure No.6 (P-126).

During the review in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017, representatives of banks were requested to advise their field functionaries to ensure that no consent form remains pending for Aadhaar seeding in the accounts of MGNREGA beneficiaries/workers. Controlling heads of banks are once again requested to impart suitable instructions to their field functionaries in this regard.

Representative of Rural Development Department is also requested to ensure that duly authenticated/verified consent forms of remaining beneficiaries/workers are submitted to the bank branches through the LDM Offices so as to accomplish the task of 100% Aadhaar seeding in the accounts of MGNREGA workers.


ITEM NO.3.9

ISSUES OF UNIQUE IDENTIFICATION AUTHORITY OF INDIA (UIDAI)- SETTING UP OF AADHAAR


ENROLMENT & UPDATION FACILITY IN BANK PREMISES

The Prevention of Money Laundering (Maintenance of Records) Rules, 2005 (“PLM Rules 2005”) have been amended with effect from June 1, 2017 & now Aadhaar is required for every bank account & all existing Bank accounts have to be verified with Aadhaar by the banks by 31st

December, 2017.

Vide Unique Identification Authority of India, Notification dated 14th July, 2017 it was decided that every Scheduled Commercial Bank shall set up Aadhaar enrolment and update facility inside its bank premises at a minimum of 1 out of their every 10 branches by 30th August, 2017. Vide UIDAI Circular dated 30th Aug 2017 the date was extended up to 30th

Sept 2017. Vide point no. 4 of the said circular it was informed that UIDAI would levy a financial disincentive of Rs. 20,000/- per uncovered branch for failing to adhere to the target of setting up of enrolment and update centers in 10 % of its branches by 30th September 2017.Vide UIDAI circular dated 7th Oct 2017. The last date for opening the enrolment and update centre in targeted number of branches by banks was extended upto 31.10.2017 & it was informed that the financial disincentive prescribed vide circular dated 30.08.2O17 will now be effective from 1st November 2017.

As per the list of branches received through SLBC Haryana, total 568 such branches (Annexure 7.1 P-127) have been identified by various LDMs to start enrolment & update facilities in State of Haryana & training has been provided to 516 identified staff/officers of banks.

As per the information available on UIDAI website https://appointments.uidai.gov.in/easearch.aspx in the State of Haryana as on 31st Oct 2017, 102 operators have been registered for 101 Kits in bank premises. The Bank wise and District wise details are given in Annexure No. 7.2-7.4 (P 128-130).

Controlling heads of banks are once again requested to ensure that the Aadhaar Enrolment and Updation Centers are set up in the identified branches and the information in this regard is submitted to SLBC Haryana Secretariat.


https://appointments.uidai.gov.in/easearch.aspx

Representative of UIDAI may apprise the house further in this regard.

AGENDA ITEM NO. 3.10

MICRO ATMs

Upto 30.09.2017, banks have provided 2427 Micro ATMs to their BCAs. Convener bank has also provided 500 Micro ATMs to its BCAs. This will enable the account holders to swipe their ATM Cards at BCA locations and they will not have to go to the far flung areas for swiping the ATM cards. Besides, 6240 ATMs installed by all the banks in the state of Haryana will also take care of swiping of cards.Bank wise/District wise status of providing of Micro ATMs is given on Annexure No. 3.1 & 3.2 (P 120-121).The house may review.


DEPLOYMENT AND WORKING OF BCAs

In Haryana at all 3244 SSAs (Sub Service Area), the banking service is being provided either by the branches or by BCAs. Out of 3244 SSAs, 1252 SSAs are covered by branches and 1992 by BCAs. In the State of Haryana 2269 BCAs have been appointed against the requirement of 1992 BCAs. 1 BCA of OBC is inactive. The representative of OBC is requested to ensure that the BCA is made active at the earliest to provide the banking services in the allocated SSA.

Bank wise status of providing of BCAs is given on Annexure No. 8 (P-131).The house may discuss.


PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY), PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY) AND ATAL PENSION YOJANA (APY)

3.12 (i) Pradhan Mantri Suraksha Bima Yojana (PMSBY)-The scheme is a one year cover, renewable from year to year, Accidental


Insurance Scheme offering insurance on accidental death and disability cover for disability on account of an accident. The scheme is being offered/administered through Public Sector General Insurance Companies (PSGICs) and other General Insurance Companies.All Saving bank account holders in the age group of 18-70 years can enroll themselves in participating banks on payment of an annual premium of Rs.12/- renewable on year to year basis.

Up to 30.09.2017, banks have enrolled 27,84,055 persons under the scheme and 26,33,715 (95%) records have been uploaded by banks.

Persons Enrolled as on 30.06.2017 : 26, 48,189Increase : 1,35,866Bank wise/District wise Progress is given on Annexure No.9 (P-132)/11A (P-135).Top 3 and bottom 3 banks with their performance in Enrolment under PMSBY are as under:-

Sr. No.


1 Top 3 Banks State Bank of India (5,39,601), OBC (3,76,257) and Sarva Haryana Gramin Bank (3,13,995)Convener Bank-2,91,373

2. Bottom 3 Banks

Catholic Syrian Bank (40), Nainital Bank (208) and South Indian Bank (690)

Point for Discussion: Controlling Heads of Catholic Syrian Bank, Nainital Bank and South Indian Bank are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMSBY. Top 3 and bottom 3 Districts with their performance in Enrolment under PMSBY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (3,03,215), Faridabad (2,66,416) and Karnal (1,83,184)


Charkhi Dadri (14,535), Mewat (54,704) and Palwal (708877)


Point for Discussion: Lead District Managers of Charkhi Dadri, Mewat and Palwal are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMSBY. The house may discuss.

3.12 (ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-The scheme is being implemented through LIC of India/other insurance companies willing to offer product on similar terms with necessary approvals and tie ups with banks for this purpose. Under the scheme all saving bank holders with the age-group of 18-50 years can enroll themselves to avail benefits of the scheme on payment of annual premium of Rs.330/-. Under the scheme Rs. 2 lacs is payable on member’s death due to any reason. Details of the scheme are available on PMJDY website and with all banks. DFS, MOF, GOI vide their letter No. F.No.H-12011/2/2015-Ins.II dated 20.05.2016 have informed amendment in rules for implementation of PMJJBY. It has been decided by the competent authority to incorporate a lien clause in the rules of PMJJBY w.e.f. Ist September, 2016 whereby claims for deaths which occur during the first 45 days from the date of enrollment will not be paid. The risk cover will commence only after the completion of 45 days from the date of enrollment into the scheme by the subscriber. However deaths due to accidents will be exempted from the Lien Clause. Accordingly, the revised consent cum enrolment form for PMJJBY with lien clause stands incorporated, effective from 01.06.2016. All banks and Insurance companies have been requested to initiate necessary action in order to ensure availability of the revised form for enrolment under PMJJBY.

Up to 30.09.2017, banks have enrolled 8,33,748 persons under the scheme and 7,68,634 (92%) applications have been uploaded by banks.

Persons Enrolled as on 30.06.2017 : 8,19,322

Increase : 14,426


Bank wise/District wise Progress is given on Annexure No.10 (P-133)/11A (P-135)Top 3 and bottom 3 banks with their performance in Enrolment under PMJJBY are as under:-

Sr. No.


1 Top 3 Banks Punjab National Bank (1,40,049), State Bank of India (1,18,685) and Sarva Haryana Gramin Bank (1,04,621)

2. Bottom 3 Banks

Catholic Syrian Bank (33), Nainital Bank (162), and South Indian Bank (332)

Point for Discussion: Controlling Heads of Catholic Syrian Bank, Nainital Bank and South Indian Bank are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMSBY and their contribution is negligible.

Top 3 and bottom 3 Districts with their performance in Enrolment under PMJJBY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (1,11,641), Faridabad (77,760) and Hisar (57,172)


Charkhi Dadri (6,825), Mewat (10,878) and Palwal (22,435)

Point for Discussion: Lead District Managers of Charkhi Dadri, Mewat and Palwal are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMJJBY. The house may discuss.

CLAIMS RECEIVED AND SETTLED UNDER PMSBY & PMJJBY Parameter Unit PMSBY PMJJBY

Claims Recd. No. 1085 2258


Amt. (Rs. In lacs) 2157* 4516Claims Lodged No. 1079 2253

Amt. (Rs.In lacs) 2145* 4506Claims Settled No. 809 1918

Amt. (Rs.In lacs) 1613** 3836Claims Pending No. 219 291

*It includes claims for partial disability lodged by BOM (1), PSB (2) & SHGB (10).

** It includes claims for partial disability BOM (1), PSB (2) & SHGB (2)

Bank wise/District wise Progress is given on Annexure No.12.1-12.2 (P 136-137)

3.12 (iii) Atal Pension Yojana (APY) - Keeping in mind the concern about the old age income security of the working poor, to focus on encouraging and enabling them to save for their retirement, to address the longevity risks among the workers in unorganized sector and to encourage them to voluntarily save for their retirement, the Government of India launched this pension scheme namely Atal Pension Yojana (APY). The scheme is being administered by Pension Fund Regulatory and Development Authority (PFRDA) through NPS Architecture.Under APY, there is guaranteed minimum monthly pension for the subscribers ranging between Rs.1000/-to Rs.5000/- per month. The benefit of minimum pension will be guaranteed by Govt. of India.All bank account holders which are citizen of India and in the age-group of 18-40 years can join APY and avail benefits of the scheme on payment of subscription according to their entry age and required minimum monthly pension ranging between Rs.1000/-to Rs.5000/- per month. Complete details are available with the participating banks and on the website of PFRDA and PMJDY as well.Up to 30.09.2017, banks have enrolled 1,28,399 persons under the scheme and 1,27,222 (99%) records have been uploaded by banks.

Persons Enrolled as on 30.06.2017 : 1,12,589

Increase : 15,810


Bank wise/District wise Progress is given on Annexure No.11 (P-134)/11A (P-135)

Top 3 and bottom 3 banks with their performance in Enrolment under Atal Pension Yojana are as under:-

Sr. No.


1 Top 3 Banks Sarva Haryana Gramin Bank (21,974), HDFC Bank (15,121) and State Bank of India (12,190)Convener Bank (8,921)

2. Bottom 3 banks

Karur Vysya Bank (0) Nainital Bank (2) and Catholic Syrian Bank (3)

Point for Discussion: Controlling Heads of Karur Vysya Bank, Nainital Bank and Catholic Syrian Bank are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMSBY.

Top 3 and bottom 3 Districts with their performance in Enrolment under PMSBY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (20,419), Faridabad (10,595) and Ambala (9,154)


Charkhi Dadri (941), Palwal (2,685) and Mewat (2,790)

Point for Discussion: Lead District Managers of Charkhi Dadri, Palwal and Mewat are requested to advise their field functionaries to put in concerted efforts to maximize the enrolment under PMSBY. The house may discuss.

AGENDA ITEM NO. 3.13 (i)

PRADHAN MANTRI MUDRA YOJANA (PMMY)-PROGRESS UPTO THE PERIOD ENDED SEPT., 2017 (2017-18)


Institution wise Progress under Pradhan Mantri Mudra Yojana (PMMY) upto the period ended Sept., 17 (2017-18) consisting of the following segment is given below:-

1. Shishu (Loans upto Rs.50000/-)2. Kishore (Loans from Rs.50001-Rs.5.00 lacs)3. Tarun (Loans above Rs.5.00 lac and upto Rs.10.00 lac)

Amt. Rs. In lacs

Parameter Public Sector Banks

Private Sector Banks

RRBs Total

SHISHUAch.- No. of A/cs 13555 34041 1676 49272Amt. 4874 9075 587 14536

KISHOREAch.- No. of A/cs 16595 3886 1611 22092Amt. 33322 11042 2132 46495

TARUNParameter Public Sector

BanksPrivate

Sector BanksRRBs Total

Ach.- No. of A/cs 4530 2460 101 7091Amt. 35949 17033 699 53681

TOTALTarget (Amt.) 281306 60086 14000 355393

Ach.- No. of A/cs 34680 40387 3388 78455Amt. 74144 37149 3418 114712%age Ach. 26% 62% 24% 32%

Out of total disbursement in 78,455 accounts under PMMY 33,145 women have been provided loans amounting to Rs.238.52 crore i.e. 42% of the total loans sanctioned under the scheme upto 30.09.2017 (2017-18).


Similarly, out of total disbursement in 78,455 accounts under PMMY 8,677 SC/ST beneficiaries have been provided loans amounting to Rs.73.27 crore.

Only Bank of India, Bank of Baroda, Canara Bank, Corporation Bank, IOB, Punjab National Bank, State Bank of India, HDFC Bank and Indusind Bank have submitted data relating to financing to SC/ST beneficiaries under the scheme:-

Controlling heads of remaining banks are requested to ensure submission of the data for incorporating the same in the agenda papers of SLBC Haryana scheduled for 17th Nov., 2017.

Top 3 and bottom 3 Banks with their performance under Pradhan Mantri Mudra Yojana (PMMY) upto the period ended Sept., 17 are as under:-

Sr. No.


1 Top 3 Banks (No. of A/cs wise)

HDFC Bank (21151), PNB (12158) and Yes Bank (9638)

2. Bottom 3 Banks (No. of A/cs wise)

Kotak Mahindra Bank (1), Dena Bank (77) and United Bank of India (196)

3. Banks with Zero Performance during qtr.

Catholic Syrian Bank, Karur Vysya Bank and South Indian Bank.

Point for Discussion: Controlling Heads of Kotak Mahindra Bank, Dena Bank, United Bank of India, Catholic Syrian Bank, Karur Vysya Bank and South Indian Bank are requested to put in strenuous efforts to improve the financing under the scheme as performance of their bank in the State as at Sept., 2017 was not satisfactory. Bank wise/District wise details is as per Annexure No. 13.1-13.2 (P 138-139).The following banks have till date not conveyed the targets allocated to their bank by their Corporate Office under Pradhan Mantri Mudra Yojana for the FY 2017-18:-

1. UCO Bank 2.United Bank of India 3. Catholic Syrian Bank 4. Indusind Bank and 5.Karnataka Bank


Controlling heads of above banks are requested to inform the targets to SLBC Haryana Secretariat for incorporating the same in the bank wise targets under the scheme for the State as a whole.The house may discuss. Top 3 and bottom 3 districts with their performance in Pradhan Mantri Mudra Yojana (PMMY) accounts are as under:-

Sr. No.


1 Top 3 Districts Karnal (6008), Panipat (5756) and Gurugram (5504)


Charkhi Dadri (221), Mewat (641) and Palwal (959)

Point for Discussion: Lead District Managers of Charkhi Dadri, Mewat and Palwal are advised to ensure that strenuous efforts are made by the banks of their respective district to improve the financing under the scheme as performance of their respective district as at Sept., 2017 was low.

AGENDA ITEM NO. 3.13 (ii)

PRADHAN MANTRI MUDRA YOJANA (PMMY)- COVERAGE OF “ACTIVITIES ALLIED TO AGRICULTURE (UPTO RS.10.00 LAKH)”(EXCLUDING CROP LOANS, LAND IMPROVEMENT SUCH AS CANALS, IRRIGATION , WELLS) AND SUPPORTING SERVICES.

The Ministry of Finance, Govt. of India has enlarged the scope of MUDRA and “Activities allied to Agriculture (upto Rs.10.00 lakh) ”(excluding crop loans, land improvement such as canals, irrigation, wells) and services supporting these, which promote livelihood or are income generating shall be eligible for coverage under PMMY w.e.f. 2016-17.


Activities allied to agriculture include pissiculture, beekeeping, poultry, livestock rearing, grading, sorting, aggregation agro industries, dairy, fishery, Agri-Clinics and Agribusiness Centres, Food & Agro Processing etc.Further, we have received a copy of D.O. No. 25-1 (15)/2016-17/AHD (Coord.) dated 19.01.2017 through the office of Director General, Animal Husbandry & Dairying, Haryana vide their letter dated 29th March, 2017 with the request to ensure to provide the benefits of PMMY to farmers as per the guidelines issued by MOF, GOI, in this regard.SLBC Secretariat vide its letter dated 12th April, 2017 has requested the controlling heads of banks to advise their field functionaries in the State of Haryana to ensure compliance of the instructions of MOF with regard to coverage of “Activities allied to Agriculture (upto Rs.10.00 lakh)”(excluding crop loans, land improvement such as canals, irrigation wells) and services supporting these, which promote livelihood or are income generating under PMMY so that the benefits could be availed by the farming community.Representatives of the banks are once again requested to ensure compliance of the same.

AGENDA ITEM NO.3.14

PROGRESS UNDER STAND-UP INDIA SCHEME UPTO THE PERIOD ENDED SEPT., 2017 (2017-18)

Stand-Up India Scheme was launched by the Hon’ble Prime Minister on 5th April, 2016 with the objective of facilitating bank loans between Rs.10 lakh and Rs. 100 lakh to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch of all scheduled commercial banks for setting up a green field enterprise. This enterprise may be in manufacturing, service or trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman Entrepreneur.An interactive portal (www.standupmitra.in) has also been launched by the Hon’ble Prime Minister which hosts information about various entities providing handholding support to the borrower. It has been advised to route the loan applications through the portal.


http://www.standupmitra.in/

Being one of the flagship programmes of the Government of India, the progress of implementation of Stand-Up India scheme is being closely monitored by a National Level Steering Committee for Stand-Up India Scheme under the Chairmanship of Hon’ble Minister of Finance and 5 Ministers from Union Cabinet, 3 Members of Parliament, besides, CMDs of NABARD, SIDBI andChairman, DICCI as members of the Committee.

NABARD and SIDBI have been nominated as Nodal Agencies for implementing the Stand-Up India Scheme. During the current financial year i.e. upto Sept. 2017, 549 Beneficiaries have been sanctioned loans amounting to Rs.123.49 Crore and disbursement amounting to Rs.94.30 crore has been made in 528 cases. Out of which 142 cases amounting to Rs. 23.67 Crore sanctioned and 137 cases amounting to Rs.16.83 Crores have been disbursed to SC/ST. Similarly, 407 cases amounting to Rs.99.82 Crore have been sanctioned and 391 cases amounting to Rs.77.47 Crores have been disbursed to Women Beneficiaries in Haryana State.Top 3 and bottom 3 Banks with their performance under Stand Up India Scheme are as under:-

Sr. No.


1 Top 3 Banks Punjab National Bank (134 cases) Bank of India (79 cases) and Canara Bank (39 Cases)

2. Bottom 3 Banks

IDBI Bank (1) Axis Bank & Yes Bank (1 case each) and United Bank of India (3)

3. Banks with Zero Performance

Bank of Baroda, Dena Bank, Bandhan Bank, Federal Bank, HDFC Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Nainital Bank, Ratnakar Bank Ltd. And South Indian Bank

Top 3 and bottom 3 districts with their performance under Stand Up India Scheme are as under:-

Sr. Parameter Name of the District


No.1 Top 3 Districts Faridabad (89 cases), Gurugram (68 cases) and

Karnal (41) 2. Bottom 3

DistrictsCharkhi Dadri (0), Jhajjar (3 cases), Mewat, Palwal & Fatehabad (4 cases)

Bank wise and District wise details are given in Annexure No.14.1 & 14.2 (P 140-141).

As per Govt. of India instructions, every branch of a scheduled commercial bank is mandated to finance at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower under Stand Up India Scheme. While going through the progress of banks under the scheme, it has been observed that out of 4708 branches of scheduled commercial banks in the State of Haryana, only 307 branches have participated in the scheme, which is very low.

The progress under the scheme was also reviewed in the 3rd

meeting of Steering Committee to SLBC Haryan held on 2nd Nov., 2017. The representatives of the banks were requested to ensure that all branches of their bank participate in the scheme so that considerable improvement could be made in the performance of their bank.

Controlling heads of banks are once again requested to advise their field functionaries suitably in this regard so that the target stipulated by the Govt. of India is not only achieved by each bank branch but surpassed with a good margin.


AGENDA ITEM NO. 3.15. (i)

PRADHAN MANTRI AWAS YOJANA (PMAY)-CREDIT LINKED SUBSIDY SCHEME (CLSS)

Pradhan Mantri Awas Yojana-Housing for all (Urban) Mission of the Ministry of Housing and Urban Poverty Alleviation was launched on 25th

June, 2015. The Mission is being implemented through four verticals inter alia includes affordable Housing through Credit Linked Subsidy Scheme (CLSS). CLSS is an important component of the Scheme.


The progress under the scheme was not showing improvement. As such the Government of India decided to extend the scheme for Middle Income Group beneficiaries as well.

- During the current financial year i.e. 2017-18 upto Sept. , 2017, 159 cases amounting to Rs.1854 lakh have been sanctioned, out of which 145 cases amounting to Rs.1250 lakh have been disbursed.

- Out of 159 cases, 24 cases amounting to Rs.198 lakh have been sanctioned to SC/ST beneficiaries and disbursement has been made in 24 cases amounting to Rs.187 lacs.

- Similarly, 49 cases amounting to Rs.538 lakh have been sanctioned to women and disbursement amounting to Rs.607 lakh has been made in 59 cases (including the cases sanctioned last year)

Bank wise Progress is given on Annexure No.15 (P-142).

From the above, it is observed that the progress under the scheme is low. Representatives of banks are requested to share their views about the low progress under the scheme.

The brief of the schemes is as under:-

Particulars

SchemeEWS/LIG MIG-1 MIG-II

Eligibility Individuals from Economically Weaker Sector (EWS)and Lower Income Group (LIG)

The beneficiary family should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India.

A beneficiary family should not have availed central assistance under any housing scheme from Government of India.

Household Income (Rs.p.a.)

EWS-Upto Rs.3.00 lakhLIG-Above Rs.3.00 lakh Upto Rs.6.00

Above Rs.6.00 lakh upto Rs.12.00 lakh

Above Rs.12.00 lakh upto Rs.18.00 lakh


lakhParticulars

Scheme

EWS/LIG MIG-1 MIG-IIEligible Housing Loan Amt. for Interest Subsidy

*Interest Subsidy @6.5% for a tenure of 20 years or during tenure of loan whichever is lower

Credit linked subsidy will be available only for loan amounts upto Rs.6.00 lakhs and additional loans beyond Rs.6.00 lakhs, if any, will be at a non-subsidized rate.

Interest Subsidy @4% for a tenure of 20 years or during tenure of loan whichever is lower


Interest Subsidy @3% for a tenure of 20 years or during tenure of loan whichever is lower


Dwelling Unit Carpet Area

EWS- 30 Sq.mLIG-60 Sq.m.

90 Sq.m 110 Sq.m

During the 2nd meeting of Steering Committee to SLBC Haryana held on 28.07.2017, representative of SUDA informed the house that the scheme is yet to take off in the State of Haryana. He also informed the house that the process of verification of beneficiaries has since started by SUDA for which a special survey is being conducted. He expressed hope that the progress under the scheme will pick up in coming months.

During the deliberations on the issue in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017 representative of SUDA present in the meeting informed the house that survey conducted


for identification of PMAY beneficiaries in the State by the Government and the process of verification of beneficiaries is going on.Controlling heads of banks are also requested to sensitize their field functionaries suitably so that progress under the scheme could be improved significantly.

The representative of Nodal Agency SUDA is requested to ensure that the details of verified beneficiaries are provided to SLBC Haryana for onward submission to the LDMs/banks for initiating necessary steps for financing the beneficiaries. Representative of HUDCO is also requested to apprise the house in this regard.

AGENDA ITEM NO. 3.15. (ii)

PRADHAN MANTRI AWAAS YOJANA GRAMIN (PMAY-G)

It has been informed by Rural Development Department, Haryana that MORD,GOI has revamped the Indira Awaas Yojana (IAY) as Pradhan Mantri Awaas Yojana-Gramin w.e.f. 2016-17 to realize the version of “Housing for All by 2022”. The emphasis under PMAY-G is on providing universal access to housing in rural areas by constructing houses for all during the period on 3 years from 2016-17 to 2018-19 in the State.Under this scheme, financial assistance amounting to Rs. 1.50 lakh will be provided to the beneficiaries for construction of their houses. The detail of amount is as under:-1. Rs.1.20 lakh for plain areas2. Rs. 0.18 lakhs as top up amount from State.

The above financial assistance of Rs.1.38 lakhs will be provided to the PMAY-G beneficiaries in three installments as per the following criteria:-

Plain AreasStages Installment AmountSanction Level Rs.0.45 lakhLintel Level Rs.0.60 lakh


Completion Level Rs.0.33 lakh (including Rs.0.18 lakh to up amount)

Sub Total Rs.1.38 lakh

3. Rs.0.12 lakh for construction of toilet.4. In addition to the above, upto 90/95 days unskilled wages through MGNREGA under convergence will be provided to PMAY-G beneficiaries.5. The beneficiaries would also be facilitated to avail loan (optional) upto Rs.0.70 lakh.

The beneficiaries are identified on the basis of SECC-2011 data. The Ministry has provided list of 1.56 lakh households having 0,1,2 room kutcha house. These lists have been made available at Gram Panchayat level where the Gram Sabha has verified and prioritized the eligible households to be covered under PMAY-G. There are 33418 beneficiaries who have been given priority setting out of 40219 remaining beneficiaries. 32243 beneficiaries have been verified by the appellate committee so far.

The Ministry of Rural Development (MORD), GOI has fixed target to construct 12886 houses during the financial year 2017-18.

Representative of Rural Development Department, Haryana is requested to apprise the house further in this regard.

AGENDA ITEM 4.1

OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL

As at 30.09.2017 131 FLCs (including 15 FLCs of Cooperative Banks) were functional in 119 blocks of the State of Haryana.


Out of 125 blocks allocated to various banks for opening of FLCs. FLCs in 6 blocks were to be opened as at June, 2017. The progress made thereafter is given below:-

S.No.

Name of the bank

FLCs yet to be opened in blocks

Latest Status & Action emerged

1. Corporation Bank

1- Nissing (Karnal)

FLC has been opened by PNB under an MOU with M/s CRISIL Foundation as a Centre For Financial Literacy (CFL) on 06.10.2017.

2. Oriental Bank of Commerce

2-Jakhal (Fatehabad) and Rania (Sirsa)

FLC at Rania has been opened on 04.10.2017.

3. State Bank of India

2-Loharu (Bhiwani), Bhattu (Fatehabad)

It has been informed by SBI ZO: Panchkula that bank is in the process of recruitment of FLC Counselors at vacant places and the process may be completed by 30th Nov., 2017. But no specific information about opening of FLCs in the remaining allocated blocks has been submitted.

4. Syndicate Bank

1.Sohna (Gurugram) Block

FLC has been opened by Syndicate Bank under an MOU with M/s CRISIL Foundation as a Centre For Financial Literacy (CFL) on 06.10.2017.

Total 6

The issue was also discussed in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017. Representative of State Bank of India and Oriental Bank of Commerce were requested to ensure that necessary steps are initiated immediately to ensure opening of the FLCs in remaining blocks at the earliest.


Controlling heads of banks of SBI & OBC are once again requested to ensure that the FLCs in the remaining blocks allocated to their bank are opened at the earliest.Controlling heads/representatives of Central Bank of India and Punjab & Sind Bank are requested to apprise the house about the status of functioning of their FLCs from independent premises and appointment of independent FLC counselors therein.The house may discuss.

AGENDA ITEM 4.2

REOPENING OF FINANCIAL LITERACY CENTRES (FLCs) BY BANK OF INDIA IN HISSAR-II BLOCK

Bank of India was allocated Hissar-II Block for opening of Financial Literacy Centre and the FLC was opened by the bank. The Financial Literacy Centre was closed down by the bank on the instructions of their Corporate Office without any information/permission from SLBC. The matter was followed up with Corporate Office of the bank by SLBC and we have been informed by Zonal Office Chandigarh of Bank of India that the FLC has been re-opened/restarted in the premises provided by the District Administration in Mini Secretariat, Hissar on 5th Nov., 2017 thus, raising the number of FLCs operating in the State to 132.This is for information of the house.

AGENDA ITEM 4.3

FINANCIAL LITERACY CENTRES (FLCs)–PROGRESS DURING THE Q.E.SEPT., 2017 (2017-18)

From the progress report of FLCs during the quarter ended Sept., 2017, it has been observed that:-


1751 Going Digital Camps were organized by 131 FLCs (Including Cooperative Banks) during the quarter ended Sept., 17.

2069 Targets Specific camps were organized by the 131 FLCs in the State of Haryana during the quarter ended Sept., 17.

The house may review.AGENDA ITEM 4.4

FINANCIAL LITERACY–HOLDING OF ONE CAMP PER RURAL BRANCH PER MONTH- PROGRESS DURING THE Q.E.SEPT., 2017 (2017-18)

Progress made by rural branches of banks in organizing Financial Literacy Camps during the quarter ended Sept., 17 is given below for information of the house:-

3251 Going Digital Camps were organized by 2118 rural branches of banks during the quarter ended Sept., 17.

2525 Targets Specific camps were organized by 2118 rural branches of banks in the State of Haryana during the quarter ended Sept., 17.

Sr. Citizens, landless labourers, students, farmers, MSME prospective borrowers, minority community groups, catchment area customers, SC/ST, APY account holders have been covered in the camps organized for targets groups.The controlling heads of banks are requested to advise their rural branches to organize more and more financial literacy camps for different target groups with the assistance of Financial Literacy Counselor of their bank/area to ensure that information about latest banking schemes/Govt. of India schemes is disseminated amongst the masses so that the rural masses could avail the benefits of these schemes.Bankwise/Districtwise Progress is given on Annexure No.16.1 & 16.2 (P 143-144) The house may discuss.

AGENDA ITEM 4.5

GRANT ASSISTANCE UNDER FINANCIAL INCLUSION FUND (FIF) FOR CONDUCT OF FINANCIAL LITERACY PROGRAMMES-SUPPORT FOR “GOING DIGITAL”


Department of Financial Inclusion and Banking Technology (DFIBT), NABARD, Mumbai vide their Circular No. 89/DFIBT-15/2017 dated 11th

April, 2017 and related circulars referred therein on the captioned subject and RBI Circular FIDD.FLC.BC.No.22/12.01.018/2016-17 dated 2nd March, 2017 advising banks (rural branches and FLCs) to conduct special camps every month for a period of one year beginning 01 April, 2017 on “Going Digital”.Controlling heads of banks are requested to ensure that the programmes may be conducted in accordance with the instructions of RBI issued vide their Circular No. FIDD.FLC.BC.No.22/12.01.018/2016-17 dated 2nd March, 2017.

AGENDA ITEM NO. 5.1

IMPLEMENTATION OF PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

Govt. of Haryana has issued notification on 13.06.2017 for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) in the State of Haryana for Kharif 2017 and Rabi 2017-18 Seasons. A copy of the notification has already been provided to the Controlling Heads of SLBC member banks in the State of Haryana through e-mail dated 15.06.2017 for imparting necessary instructions to their branches in the State for its implementation.Institution wise coverage of loanee and non-loanee farmers under PMFBY is given below for information of the house.Loanee Farmers

Public Sector Banks


RRBs Coop. Banks

Total

No. of eligible Farmers

4,12,759 46,760 1,55,561

384793 9,99,873

Farmers Covered 4,01,668 45,333 1,52,289

53,178 6,52,468

% age of Farmers covered

97.3% 96.95% 97.9% 13.8% 65.3%

Public Sector Banks


RRBs Coop. Banks

Total

Total Area 11,22,885 3,64,231 4,14,82 60,370 19,62,31


Covered (In acres)

5 1

Premium Collected (Rs. In lacs)

8323 2223 2502 361 13409

Non-Loanee FarmersPublic Sector Banks


RRBs Coop. Banks

Total

Farmers Covered 135 - 42 - 177Total Area Covered (In acres)

476 - 361 - 837

Premium Collected (Rs. In lacs)

3.6 - 1.24 - 4.8

Bank wise and District wise coverage of loanee and non-loanee farmers under PMFBY is given on Annexure No. 17.1 & 17.4 (P 145-148) for reference and record of the SLBC Member banks.

The above progress was also discussed in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017. Representatives of banks were requested to ensure that the data of their bank is uploaded on the PMFBY Portal correctly and matches with the data provided to SLBC Secretariat. Controlling heads of banks are once again requested to impart suitable instructions to their field functionaries in this regard so as to ensure compliance of Ministry of Agriculture & Farmers’ Welfare, GOI, New Delhi.The representative of Agriculture & Farmers’ Welfare Department, Haryana may deliberate on the issue.


AGENDA ITEM NO. 5.2

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)-FOLIO CONTAINING INFORMATION TO FARMER ABOUT THE SCHEME ALONGWITH LOGO AND TAGLINE OF THE SCHEME ALONGWITH ACKNOWLEDGEMENT RECEIPT/POLICY PAPER

As advised by the Ministry of Agriculture & Farmers’ Welfare Department, Govt. of India, New Delhi, Controlling heads of banks were requested to get the folio printed and supply to their branches in the State of Haryana for providing to the farmers covered under PMFBY containing information on Pradhan Mantri Fasal Bima Yojana (PMFBY) alongwith logo and tagline of the scheme and acknowledgement receipt/policy document after receiving from the respective insurance company for each crop season.

Controlling heads of banks are requested to ensure that the folio containing acknowledgement receipt/policy document received from the respective insurance company is delivered to the farmer covered under PMFBY by their branches in the State of Haryana is delivered to the loanee as well as non-loanee farmers covered under the scheme by branches of their bank.

Agriculture & Farmers’ Welfare Department, Haryana is requested to impart necessary instructions to the Insurance Companies that acknowledgement receipt/policy document is sent to the concerned branches of the banks well in time enabling the branches to hand over the same to the farmers covered under PMFBY.

The House may discuss.

AGENDA ITEM NO. 5.3

COMPLAINTS UNDER PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

Since the implementation of PMFBY in the State of Haryana, SLBC has been receiving a number of complaints from different corners on various issues. The same are being forwarded to the concerned stakeholders i.e. Agriculture & Farmers’ Welfare Department, Haryana, the concerned insurance companies, banks and Lead District Managers as well.


The main complaints relate to the following issues:-

1. The identified /insured area mentioned in the record of banks and insurance company differs due to clerical mistake committed at bank level. Due to this, the Insurance Companies have rejected the claims. As the beneficiaries are same and there is not dispute with regard to identification of farmers, crop sown and crop loss.

Convener SLBC vide its letter dated 17.10.2017 has requested ACS Agriculture & Farmers’ Welfare Department, Haryana and Director, Ministry of Agriculture & Farmers’ Welfare, GOI, New Delhi to impart suitable instructions to the Insurance Companies to resolve the matter.

The issue was also deliberated upon in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017. Joint Director (Statistics), Agriculture & Farmers’ Welfare Department, Govt. of Haryana vide their office letter dated 2nd Nov., 2017 have advised the 2 insurance companies namely Reliance General Insurance Co. Ltd., ICICI Lombard General Insurance Co. Ltd and Bajaj Allianz General Insurance Co. Ltd to settle the pending claims lying pending since last one year due to mistakes done by the banks. A copy of the same has been sent to the Controlling heads of banks and Lead District Managers in the State of Haryana vide SLBC Haryana Secretariat e-mail dated 3rd Nov., 2017.

A copy of the same is given on Annexure No.18 (P-149) for information of the SLBC Member banks.

Controlling heads of banks are requested to sensitize their field functionaries to ensure correct feeding of the relevant data at PMFBY portal to avoid rejection of claims of the farmers.

Representatives of the Insurance Companies are also requested to apprise the house in this regard.


AGENDA SEEKING CERTIFICATE FROM BANK BRANCHES BY


ITEM NO. 5.4 INSURANCE COMPANIES

Any information regarding PMFBY to be obtained by the respective insurance company from banks should be obtained with prior approval of Agriculture & Farmers’ Welfare Department, Haryana as it has been informed by the field that Insurance agencies are sending such formats to the banks only for their own convenience which does not commensurate with the operative guidelines of PMFBY or with notification of State Government issued in this regard.

A copy of the format sent by Bajaj Allianz General Insurance Co. Ltd is given on Annexure No.19 (P-150) for reference of the SLBC member banks.

Representatives of the Insurance Companies are requested to apprise the house in this regard.


AGENDA ITEM NO. 5.5

AADHAAR SEEDING IN THE ACCOUNTS OF PMFBY BENEFICIARIES

NABARD, RO, Haryana Chandigarh vide their letter dated 28th

Sept., 17 informed SLBC Secretariat that Ministry of Agriculture & Farmers’ Welfare Department, Govt. of India vide notification dated 28th August, 2017 has notified that in pursuance of the provisions of section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 (18 of2016) (hereinafter referred to as the said Act), the Central Government hereby notifies the following, namely:-

l. (l) All farmers eligible for receiving the benefits under the scheme are hereby required to furnish proof of possession of Aadhaar number or undergo Aadhaar authentication.(2) Any farmer desirous of availing the benefits under the scheme, who does not possess the Aadhaar number or has not yet enrolled for Aadhaar, is hereby required to make application for Aadhaar enrollment by 30th September, 2017 provided she or he is entitled to obtain Aadhaar under section 3 of the said Act and such individuals may visit


any Aadhaar enrolment centre specified in the Unique Identification Authority of India (UIDAI) website (www.uidai.eov.in) to get enrolled for Aadhaar.

(3) As per regulation 12 of Aadhaar (Enrolment and Update) Regulations, 2016, the Ministry through its implementing Agencies, is required to offer Aadhaar enrolment facilities for the beneficiaries who are not yet enrolled for Aadhaar and in case there is no Aadhaar enrolment centre located in the respective Block or Taluka or Tehsil, the Ministry through its Implementing Agencies, shall provideAadhaar enrolment facilities at convenient locations in coordination with the existing Registrars of UIDAI or the Ministry, itself becoming UIDAI Registrar:

Provided that till the time Aadhaar is assigned to the individual, benefits under the Scheme shall be given to such individuals, subject to the production of the following identification documents, namely:-

A (i) if she or he has enrolled, her or his Aadhaar Enrolment ID slip; or

(ii) a copy of her or his request made for Aadhaar enrolment, as specified in sub-paragraph (2) of paragraph 2 below; and

(b) (i) Bank Passbook or Post office Passbook with Photo; or (ii) Kisan Photo Passbook; or (iii) Kisan Credit Card; or (iv) Voter ID Card; or (v) Permanent Account Number (PAN) Card; or (vi) Passport; or (vii) Driving licence issued by Licensing Authority under the Motor Vehicles Act, 1988 (59 of 1988); or (viii) Ration Card; or (ix) MGNREGS Card; or (x) Certificate of identity having photo ofsuch member issued by a Gazetted Officer or a Tehsildar on an official letter head; or (xi) Any other document as specified by the Ministry:

Provided further that the above documents shall be checked by an officer specifically designated by the implementing Agencies for that purpose.

1. In order to provide convenient and hassle free benefits to the beneficiaries under the Scheme, the Ministry through its Implementing Agencies shall make all the required arrangements including the following, namely:-


(i) wide publicity through rnedia and individual notices shall be given to the beneficiaries to make them aware of the requirement of Aadhaar under the Scheme and they may be advised to get themselves enrolled at the nearest Aadhaar enrolment centers available in their areas by 30th September, 2017, in case they are not already enrolled and the list of locally available Enrolment Centers shall be made available to them.(2) in case, the beneficiaries under the Scheme are not able to enroll for Aadhaar due to non availability of enrolment centers in the near vicinity such as in the Block or Taluka or Tehsil, the Ministry through its Implementing Agencies are required to create Aadhaar enrolment facilities at convenient locations, and the beneficiaries may register their requests for Aadhaar enrolment by giving their names, addresses, mobile numbers and other details as specified in the first proviso to sub-paragraph (3) of paragraph 1, with the designated official of the Implementing Agencies or through the web portal provided for the purpose.Further, NABARD had also informed that special DLCC meetings are required to be convened by the LDMs to sensitize the banks for the requirement of Aadhaar enrolment for the aforesaid beneficiaries by 30th

September 2017. SLBC was requested to advise all the LDMs in the State of Haryana to convene special DLCC meetings immediately in consultation with district authorities and the Unique Identification Authority of India (UIDAI) in their respective district/s for the above purpose.SLBC Secretariat vide its communication dated 28th Sept., 2017 followed by reminder dated 25th Oct., 2017 advised all LDMs of Haryana to sensitize the banks operating in their respective district through a special DLCC meeting to ensure Aadhaar linkage of the loanee farmers so as to enable them to get the benefit of Interest subvention. LDM 1 Gurugram 2. Palwal 3. Rewari 4. Sonepat and 5 Sirsa have confirmed having organized the special DCC meetings in this regard. LDMs of the remaining districts are once again requested to ensure that field functionaries of various banks are sensitized suitably so that


the accounts of the loanee farmers are seeded with Aadhaar so that the benefits of the PMFBY could be extended to them in hassle free manner.Controlling heads of banks are also requested to impart necessary instructions to their field functionaries in this regard so that Aadhaar is seeded in the accounts of all loanee farmers of their respective branches.The house may discuss.

AGENDA ITEM NO. 6.1

OPENING OF BRICK & MORTAR BRANCHES IN VILLAGES WITHOUT A BANK BRANCH OF A SCHEDULED COMMERCIAL BANK WITH POPULATION MORE THAN 5000

As per the instructions of Reserve Bank of India, 194 unbanked villages (without having a brick and mortar branch of a Scheduled Commercial Bank) having population more than 5000 were identified in the State of Haryana. These villages were allocated to various banks for opening of brick and mortar branches. Despite relaxation of guidelines with regard to branch authorization policy issued vide Reserve Bank of India, Central Office, Mumbai vide their Circular No.RBI/2016-17/306/DBR.No.BAPD.BC.69/22.01.001/2016-17 dated 18th May, 2017 for “Banking Outlets” no considerable progress has been made. SLBC Secretariat vide its communications dated 20.09.2017 and 04.10.2017 requested the controlling heads of concerned banks to apprise us the action taken in this regard but no reply has been received from the banks.Upto 30th Sept., 2017, out of 194 villages, brick and mortar branches have been opened in only 44 villages and 150 villages are yet to be provided services of a brick and mortar branch. Reserve Bank of India has stipulated 31st Dec., 2017 as cut-off date for opening of brick and mortar branches in the unbanked villages having population above 5000.

Latest status as per the progress received from the concerned banks is as under:-


S.No.

Name of the Bank

No. of Villages allocated

Branches Opened till date

Remarks

1. Allahabad Bank

1 - No reply received

2. Andhra Bank 1 1 Branch already opened3. Bank of

Baroda5 - No reply received

4. Canara Bank 2 2 Branches already opened5. Central Bank

of India9 1 (Village

Khanak by SHGB)

Central Bank of India ZO Chandigarh has informed that BCs of their bank are already functional in 8 fixed locations out of allotted 9 locations and they are performing all the 4 functions as mentioned by RBI (viz. acceptance of deposits, encashment of cheques /cash withdrawal or lending of money) for at least 4 hours per day and 5 days a week. Hence, we have to open a banking outlet at only one location i.e. vill. Birdhana Distt. Jhajjar.They have taken up the matter with their central office for guidance but the reply is still awaited. Hence the matter is under process.

6. Corporation Bank


7. IDBI Bank 1 - DGM IDBI Bank Ltd vide their office letter dated 2nd Nov., 2017 have informed that RBI has invoked Prompt Corrective Action (PCA) on their bank. At present, IDBI


Bank is not in a position to open new branches.

8. OBC 18 4 (1-PNB2-Yes Bank1-OBC

-2 branches to be opened by 31.10.17.-2 by 30.11.17-3 by 31.12.17-7 by 31.03.18

9. Punjab National Bank

47 3 (Ugalan, Kirawar and

Sohansara by SHGB)

1 by Yes Bank (Bhaini

Chanderpal)4 by PNB

1 by Vijaya Bank

Total-9

-2 Premises under constructions-16 Under acquisition in process-10 Proposals sent to HO

10. Punjab & Sind Bank


11. State Bank of India

21+17=38

2=1 (Village Rohera by SHGB)1 Fagu by erstwhile SBOP

No reply received

13. Syndicate Bank

7 7 USBs already opened

14. Union Bank of India

4 1 (By SHGB) No reply received

15. UCO Bank 1 No reply received16. HDFC Bank 3 No reply received17. ICICI Bank 1 1 Branch already opened18. SHGB 53 10+3+2

(SHGB)1-IDBI BankTotal-16

Total 194 44

Bank wise/District wise progress is given on Annexure No20.1-20.2 (P 151-152).


Representatives of banks are requested to apprise the house about the progress made in this regard.

AGENDA ITEM NO. 6.2

RATIONALIZATION OF BRANCH AUTHORIZATION POLICY-REVISION OF GUIDELINES

RBI Central Office Mumbai vide their Circular No.RBI/2016-17/306/DBR.No.BAPD.BC.69/22.01.001/2016-17 dated 18th

May, 2017 issued revised guidelines on ‘Rationalization of Branch Authorization Policy-Revision of Guidelines.

In terms of para 4.4 of the above circular, the SLBCs have been assigned a constructive and proactive role of compiling and having an updated list (at all times) of all unbanked rural centers (URCs) in the state which shall be displayed on their website. Banks are required to inform and coordinate with the SLBC Convener Bank to earmark the centre identified by them for opening of banking outlet (BO). In case of failure of the bank to open the banking outlet within a year, the SLBC convener bank may indicate the centre as available for other banks to open the banking outlet. The non-member banks may also refer to the website, coordinate with the SLBC Convener Bank and earmark the centers identified by them.

RBI, Central Office Mumbai vide their letter dated 10th Oct., 2017 have advised the SLBC Convener Banks that the following points should be taken in to account:-

Banks need not obtain prior approval of SLBCs for identifying a centre. However, there may be cases where two or more banks might identify the same URC to open BO at the same time. In such case, SLBC convener bank, in a coordinated matter, should exercise its discretion to allot the centre to a particular bank.


A full-fledged ‘brick and mortar’ branch opened in a rural (Tier 5 & 6) centre which is already being served by a fixed point BC outlet by any bank will also be eligible to be treated as equivalent to opening a ‘Banking Outlet’ in a URC.

A ‘banking outlet’ opened in a rural (Tier 5 & 6) centre which is served by only a banking outlet of a Payment Bank will also be eligible to be treated as equivalent to opening a ‘Banking Outlet’ in a URC.

In this regard, it is informed that the URCs having population more than 5000 have already been uploaded on SLBC Haryana website.

As regards the URCs having population below 5000 is concerned, LDMs have been advised to provide the list of Unbanked Rural Centres of their respective Districts to SLBC Haryana Secretariat for uploading on the SLBC Haryana website. The following LDMs have till date not provided the details of such centres to SLBC Secretariat:-

1.Bhiwani 2. Gurugram 3. Kaithal 4. Panchkula 5. Rohtak and 6. Sirsa

LDMs of above districts are advised to ensure submission of the list of Unbanked Rural Centres (URCs) of their respective district which are having population below 5000 to SLBC Haryana Secretariat for compilation and uploading on the SLBC Haryana website and inform the RBI Central Office Mumbai through RBI, RO, Chandigarh accordingly.


AGENDA ITEM NO. 7

SWACHH VIDYALAYA CAMPAIGN

Under the “SWACHH VIDYALAYA CAMPAIGN” launched by Govt. of India, the CSR activities like construction of Toilets for girl students, provision


of Library & Sports Kit in Govt. Schools etc. in the adopted villages of banks are to be undertaken.As per reports received from banks, during the review period 173 toilets have been constructed in 164 schools of 157 villages of Haryana, besides other activities like opening of library cum reading rooms, providing sports kits etc. in the schools have also been undertaken by banks. Banks need to accelerate their efforts in this social area. The Controlling heads of banks are requested to ensure their active participation in this social movement/campaign. Bank wise progress as at Sept., 2017 is given on Annexure No. 21 (P-153).The House may discuss.

AGENDA ITEM NO. 8

REVIEW OF PERFORMANCE UNDER KEY PARAMETERS AS AT SEPT., 2017 (COMMERCIAL BANKs AND RRBs)

8.1 BASIC STATISTICAL DATA (KEY PARAMETERS)The comparative position of Key Banking Parameters is given below:-

(Amt. Rs. in Crore)Parameters Sept.,

2015Sept., 2016

Sept., 2017

Variation Sept. 2017/Sept.,

2016 (Absolute and %age

terms)No .of Branches 4348 4563 4708 145 (3%)Deposits 228497 262083 319469 57386 (22%)Advances 183911 190447 210193 19746 (10%)PS Advances 100956 109881 120859 10978 (10%)Agriculture 38151 44385 48935 4550 (10%)


MSME 46677 48856 54427 5571 (11%)Other PS 16128 16641 17497 856 (5%)Advances to WS 22826 25338 27072 1734 (7%)Advs. under DRI Scheme

18.36 17.93 20.33 2.40 (13%)

Bank-wise data is given on Annexure No.22.1-22.6 (P 154-159)While reviewing the progress under key-parameters, following trends have been observed:-8.2 BRANCHESDuring the period under review, 145 branches of Commercial Banks and RRBs have been added thereby raising the total number of bank branches in the State to 4708 as at Sept., 2017 from 4563 branches as at Sept., 2016. Area wise analysis with regard to Branch Expansion is summarized below:-No. of Branches

As At VariationSept.,2015

Sept.,2016

Sept.,2017

Sept. 17/ Sept. 16 (Absolute)

Rural 1696 1757 1675 -82Semi Urban 1055 1098 1211 113Urban 1597 1708 1822 114Total 4348 4563 4708 145Note: Negative growth of rural branches is due to reclassification of rural branches as semi-urban branches.This is for information of the House. 8.3 EXPANSION OF BRANCH NETWORK 53 Branch Licenses were pending as at Sept.17, with banks for opening of new branches. Banks with pending licenses are: Allahabad Bank (8), Canara Bank (2), Corporation Bank (4), Dena Bank (1), OBC (1) PNB (20), Punjab & Sind Bank (2), Syndicate Bank (12), Axis Bank (3). Bank-wise position of licenses in hand is given on Annexure No.22.7 (P-160).

The Controlling Heads of these banks are requested to initiate steps for opening of these branches at the earliest.


8.4 DEPOSITSTotal deposits have increased by Rs.57386 Crore from Rs.2,62,083 Crore as at Sept., 2016 to Rs.3,19,469 Crore as at Sept., 2017, showing a growth of 22%. Area-wise analysis of Deposit Mobilization has been summarized below:-

(Amt. Rs. in Crore)Aggregate Deposit

As at VariationSept.,2015

Sept.,2016

Sept.,2017

Sept., 2017/Sept., 2016

(Absolute)

%age

Rural 30855 34917 39443 4526 13%Semi Urban

39169 44391 52637 8246 19%

Urban 158473 182775 227389 44614 24%Total 228497 262083 319469 57386 22%

8.5 ADVANCESTotal advances have increased by Rs.19746 Crore from Rs.190447 Crore as at Sept., 2016 to Rs.210193 Crore as at Sept., 2017 showing a growth of 10%.

Further, area-wise analysis of Aggregate Advances has been summarized below:-

(Amt. Rs. In Crore)Aggregat

e Adv.As At Variation

Sept.,2015

Sept.,2016

Sept.,2017

Sept., 2017/Sept., 2016

(Absolute)

% age

Rural 30363 27728 26428 -1300 -5%Semi Urban

29310 33360 33972 612 2%

Urban 124238 129359 149793 20434 14%


Total 183911 190447 210193 19746 10%Note: Negative growth of advances is due to reclassification of rural branches as semi-urban branches.

8.6 PS ADVANCESAdvances under Priority Sector have increased from Rs.109881 Crore as at Sept., 2016 to Rs.120859 Crore as at Sept., 2017, thus showing an increase of Rs.10978 Crore on YOY basis or 10%.

(Amt. Rs. In Crore)Sector Sept.,

2015Sept.,2016

Sept.,2017

Variation Sept., 2017/Sept., 2016

Absolute %agePriority Sector

100956 109881 120859 10978 10%

8.7 AGRICULTURE ADVANCESTotal outstanding under agriculture advances increased from Rs.44385 Crore as at Sept., 2016 to Rs. 48935 crore as at Sept., 2017, showing an increase of Rs.4550 crore or 10% on YOY basis.

(Amt. Rs. In Crore)Sector Sept.,2015 Sept.,2016 Sept.,2017 Variation

Sept., 2017/Sept., 2016

Absolute %ageAgriculture Sector

38151 44385 48935 4550 10%

8.7-(i) NPAs UNDER AGRICULTURE AS AT 30th Sept., 2017(Amt Rs. in Crores)

Total Outstanding under Agriculture

NPA under Agriculture %age of NPA to total O/s under

Agriculture Advs.A/cs Amt. A/cs Amt.1449537 48935 132727 3805 8%

Bankwise position is given at Annexure No. 22.8 (P-161)8.8 MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs)


Advances to Micro, Small & Medium Enterprises have increase by Rs.5568 crore from Rs.48856 Crore as at Sept., 2016 to Rs.54427 Crore as at Sept., 2017 thereby registering a growth of 11%.


2015Sept.,2016

Sept.,2017


Absolute %ageMSME Sector

46677 48856 54427 5571 11%

8.9 ADVANCES TO WEAKER SECTORAdvances to Weaker Sector increased by Rs.1734 Crore on year-on-year basis from Rs.25338 Crore as at Sept., 2016 to Rs.27072 Crore as at Sept., 2017 showing a growth of 7%.


2015Sept.,2016

Sept.,2017


Absolute %ageWeaker Sector

22826 25338 27072 1734 7%

8.10 DRI ADVANCES-REVIEW OF PROGRESS The DRI advances have increased by Rs.2.40 Crore from Rs.17.93 crore as at Sept., 2016 to Rs.20.33 Crore as at Sept., 2017, registering a growth of 13%.As per the revised targets, at least 10 loans per rural branch per quarter are to be made by all the Scheduled Commercial Banks. The progress achieved so far is summarized as under:-

(Amt. Rs. in Lacs)Lending Institutions

Targets Sept., 2017

(Nos.)

Achievement % age Ach.A/c Amount

Public Sector Banks 17520 1740 258 10%Private Sector Banks 7240 65 5 1%Sarva Haryana Gramin Bank

8800 - - 0%

TOTAL 33560 1805 263 5%


Bank-wise position is available at Annexure No 22.9 (P-162)Member banks are requested to take suitable steps to extend finance to eligible persons under DRI. The House may review.

AGENDA ITEM NO.9 N A T I ON A L G O A L S

GOAL ACH.Sept. 2015

ACH.Sept., 2016

ACH.Sept., 2017

CD Ratio (Total) - 80% 73% 66%CD Ratio (Rural) 60% 98% 79% 67%CD Ratio (S Urban)

60% 75% 75% 65%

PS to total Advances

40% 55% 60% 63%

Agri. to total Advs.

18% 21% 24% 26%

Small & Marginal Farmers

8%** 8% 11% 11%

Micro Enterprises 7.5%** 8% 10% 11%Export Credit 2% 0.46% 0.13% 0.08%

WS Advances to Total Advances

10% 12% 14% 14%

The Bank-wise position under National Goals is available in Annexure No. 22.10 (P-163).

Highlights of performance of Banking Sector under prescribed National Goals are as under:-

Under Priority Sector, the performance of the banking system is 63%, which is above the prescribed National goal of 40%.

Under Agriculture Sector, the achievement is 26%, which is also above the National goal of 18%.

Under Small & Marginal Farmers the achievement is 11% against the target of 8%.

Under Micro Enterprises the achievement is 11% as against target of 7.5%.


Export Credit is 0.08% against the target of 2%. The ratio of WS Advances to total advances is 14% as against the

National Goal of 10%.OVERALL CD RATIOWhile calculating the overall CD ratio, member banks are requested to adhere to the instructions of RBI contained in their circular no RPCDLDS.BC No 47/2.13.03/2005-06 dated 9.11.2005 which, inter alia states that the CD Ratio at State Level should be calculated with the credit at the place of utilization. The comparative position of overall CD Ratio is as below:-

Period CD Ratio %age VariationSEPT., 2015 80% No changeSEPT., 2016 73% -7ppsSEPT., 2017 66% -7pps

Observations:Overall CD Ratio of Banks in State of Haryana as at Sept., 2017 has declined by 7pps when compared to the position as at Sept., 2016.CD RATIO – RURAL AREAThe comparative position of CD Ratio of Rural Areas in Haryana is as follows:

(Amt. Rs. in Crore)Period Rural Variation

Deposit Advances CD RatioSEPT., 2015 30855 30363 98% -6PPsSEPT., 2016 34917 27728 79% -19ppsSEPT., 2017 39443 26428 67% -12ppsObservations:The CD Ratio of Rural Areas has declined by 12PPs and stood at 67% as at Sept., 2017. CD RATIO – SEMI URBAN AREASThe comparative position of CD Ratio of Semi Urban Areas in Haryana is as follows:

(Amt. Rs. in Crore)


Period Semi-Urban VariationDeposit Advances CD Ratio

(%)SEPT., 2015 39169 29310 75% -2PPsSEPT., 2016 44391 33360 75% No changeSEPT., 2017 52637 33972 65% -10PPsObservations:The CD Ratio of Semi Urban Areas has also declined to 65% as at Sept., 17.This is for information of the house.AGENDA ITEM NO. 10.1

CD RATIO OF FINANCIAL SYSTEM: (COMMERCIAL BANKS, RRBs, COOPERATIVE BANKS WITH RIDF)

CD Ratio (TOTAL) GOAL

SEPT. 2015

SEPT. 2016

SEPT. 2017

Banking System (CBs & RRBs)

60% 80% 73% 66%

Financial System including Cooperative Bank

60% 84% 75% 68%

CD Ratio (Financial System) with RIDF

60% 85% 77% 69%

Overall CD Ratio in respect of Commercial Banks, RRBs excluding Cooperative Banks as at Sept., 2017 is 66%. However, with cooperative banks it is 68%.

There is an increase of 3% in CD Ratio (from 66% to 69%) when the amount of RIDF i.e. Rs.4325 Crore is included in total credit of Financial System.

As at Sept., 2017 District Rewari was having CD Ratio less than 40% i.e. 39%. District Narnaul and Rohtak were having CD Ratio of 40%.CD Ratio of Financial System excluding Cooperative Banks in District Ambala (49%), Faridabad (57%), Gurugram (50%), Jhajjar (49%), Mewat (47%), Narnaul (40%), Palwal (53%), Rewari (39%), Rohtak (40%), Sonepat (51%) and Yamuna Nagar (59%) is still below the stipulated level of 60%, which needs concerted efforts to be made by the banks and LDMs of these districts for further improvement.


The District-wise CD Ratio has been given at Annexure No. 23 (P-164).The CD ratio of Bank of Baroda (49%), Bank of Maharashtra (54%), Central Bank of India (59%), IDBI Bank (31%), IOB (55%), Oriental Bank of Commerce (44%), State Bank of India (56%), Syndicate Bank (44%), Union Bank of India (51%), United Bank of India (48%), Indusind Bank (49%), J&K Bank (50%), Ratnakar Bank Ltd. (26%), South Indian Bank (35%) and Yes Bank (23%) which needs considerable improvement as the same is very low. The Bank-wise CD Ratio has been given at Annexure No. 22.2 (P-155).The house may review.AGENDA ITEM NO. 10.2

CREDIT+INVESTMENT IN STATE GOVT. BONDS TO DEPOSIT RATIO

After adding the figures of Rs 7822 Crore of investment made by banks in the State Govt. Bonds with total credit of Rs.210193 Crore (excluding Cooperative banks) the credit + investment to deposit ratio works out to 68%.This indicates that besides credit deployment, large funds have also been invested by the banking system in State Government securities, which are ultimately utilized for the economic development of the State. The Bank-wise position is given at Annexure No. 24 (P-165).

This is for information of the house.

AGENDA ITEM NO. 11

PERFORMANCE UNDER ANNUAL CREDIT PLAN (ACP) DURING THE HALF YEAR ENDED SEPT., 2017 (2017-18)


Summary of achievement under Annual Credit Plan (2017-18) during the half year ended Sept., 2017 is given below:-

(Amount Rs. in Crore)Sector Prorata HY

Targets Ach. % Ach

Crop Loan 23895 23820 99.7%Agri. Investment Credit 11161 5233 46.9%Total Agriculture & allied

35056 29053 82.9%

MSMEs 11752 11366 96.7%Other Priority Sector 7904 5003 63.3%Total Priority Sector 54712 45422 83%

Institution-wise & Sector-wise ACP Achievement vis-à-vis half yearly Targets 2017 –2018 during the half year ended Sept., 2017 is as under:-

(Amount Rs. in Crore)Lending Institution

Agriculture MSME OPS Total Priority SectorTgt. Ach %

age

Tgt. Ach %age

Tgt. Ach %age

Tgt. Ach %age

Public & Pvt. Sec. Banks

24303 20100 83 10807 10797 100 7307 4477 61 42417 35374 83

RRBs 3837 3560 93 342 287 84 394 104 26 4573 3951 86

Coop Banks & Others

6916 5393 78 603 282 47 203 422 208 7722 6097 79

Total 35056

29053 83 11752 11366

97 7904 5003

63 54712 45422 83

Bank-wise/Achievement vis-à-vis Targets under ACP during the half year ended Sept., 2017 are given on Annexure No.25.1-25.3 (P 166-168).

Observations:- %age Achievement under Agriculture, MSME, Other Priority

Sector and Total Priority Sector as at Sept., 2017 against the prorata (half yearly) targets is 83%, 97%,63% and 83% respectively.


As against the Prorata half yearly target of Priority Sector advances of Rs.54712 Crore, Banks have disbursed loans to the tune of Rs.45422 Crore up to Sept. 2017. The achievement comes to 83%.

Against the Prorata h/y target Rs.35056 Crore under Agriculture & allied Activities, Banks have disbursed loans amounting to Rs.29053 Crore. The achievement comes to 83%. Achievement under Crop Loans and Term Loans has been 99.7% and 46.9% respectively.

Banks have disbursed loans amounting to Rs.11366 Crore against the prorata h/y target of Rs.11752 Crore set for Micro, Small & Medium Enterprises (MSMEs) during the half year ended Sept. 2017. The achievement comes to 97%.

Banks have disbursed loans to the tune of Rs.5003 Crore under Other Priority Sector against the prorata h/y target of Rs.7904 Crore. The achievement comes to 63%.

District wise Sector wise progress (%age Achievement) under Annual Credit Plan 2017-18 against the Prorata Half yearly Targets for the h/y ended Sept., 17 is given below:-

S.No.

District SectorAgricultur

eMSME OPS Total Priority

Sector1 Ambala 71% 75% 57% 69%2 Bhiwani 84% 74% 76% 83%3 Charkhi Dadri 83% 79% 73% 82%3 Faridabad 56% 101% 100% 96%4 Fatehabad 96% 115% 110% 99%5 Gurugram 80% 125% 27% 80%6 Hisar 97% 95% 78% 95%7 Jhajjar 65% 44% 47% 58%8 Jind 93% 43% 38% 87%9 Kaithal 75% 77% 37% 71%10 Karnal 93% 54% 94% 76%11 Kurukshetra 82% 90% 71% 82%12 M.Garh 79% 206% 107% 92%


13 Mewat 44% 31% 33% 42%14 Palwal 65% 43% 58% 60%15 Panchkula 85% 132% 130% 109%16 Panipat 79% 98% 76% 87%17 Rohtak 88% 102% 20% 76%18 Rewari 78% 87% 27% 66%19 Sirsa 91% 115% 84% 93%20 Sonepat 51% 353% 38% 76%21 Yamuna

Nagar100% 101% 97% 100%

Total 83% 97% 63% 83%

Institution wise Progress ;The analysis of banking group-wise progress reveals as under:-Total Priority Sector

Against the half yearly target of Rs.54712 Crore, the banks have disbursed loans amounting to Rs.45422 Crore under Total Priority Sector. The achievement works out to be 83%.

As against the h/y target of Rs.42417 Crore, the Public & Private Sector Banks have disbursed loans amounting to Rs.35374 Crore. The achievement works out to be 83%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.3951 Crore under Priority Sector as against the h/y target of Rs.4573 Crore thus showing achievement of 86%. Whereas, the Cooperative Banks & others have disbursed loans amounting to Rs.6097 Crore against the h/y target of Rs. 7722 Crore. The achievement comes to 79%.

Agriculture & Allied Activities Against the half yearly target of Rs.35056 Crore, banks

have disbursed loans amounting to Rs.29053 Crore. The achievement works out to be 83%.

As against the h/y target of Rs. 24303 Crore under this sector, the Public & Private Sector Banks have disbursed loans amounting to Rs.20100 Crore, the achievement comes to 83%.


Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.3560 Crore under this sector as against the h/y target of Rs.3837 Crore, the achievement comes to 93%.

The Cooperative Banks have disbursed loans amounting to Rs.5393 Crore against the h/y target of Rs.6916 Crore, thus achievement comes to 78%.

Micro, Small & Medium Enterprises/Non-Farm Sector Against the half yearly target of Rs.11752 Crore, the banks

have disbursed loans amounting to Rs.11366 Crore under MSME Sector. The achievement works out to be 97%.

As against the h/y target of Rs.10807 Crore under this sector, Public & Private Sector Banks have disbursed loans amounting to Rs.10797 Crore. The achievement comes to 100%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.287 Crore under this sector as against the h/y target of Rs.342 Crore; the achievement comes to 84%.

The Cooperative Banks & others have disbursed loans amounting to Rs.282 Crore against the h/y target of Rs.603 Crore; the achievement works out to 39%.

Other Priority Sector Against the half yearly target of Rs.7904 Crore, the banks

have disbursed loans amounting to Rs.5003 Crore. The achievement works out to be 63%.

As against the h/y target of Rs.7307 Crore under this sector, the Public & Private Sector Banks have disbursed loans amounting to Rs.4477 Crore. The achievement works out to 61%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.104 Crore under Other Priority Sector as against the h/y target of Rs.394 Crore, thereby showing achievement of 26%.

The Cooperative Banks have disbursed loans amounting to Rs.422 Crore against the h/y target of Rs.203Crore; the achievement works out to 208%.

District-wise Achievement vis-à-vis Targets under ACP during the half year ended Sept., 2017 are given on Annexure No.25.4-25.6 (P 169-171).

The House may review.


AGENDAITEM NO. 12

REVIEW OF PROGRESS UNDER DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME (DEDS)

The Secretary, Govt. of India, Ministry of Agriculture & Farmers’ Welfare, Department of Animal Husbandry, Dairying & Fisheries, GOI, New Delhi vide their letter dated 21st June, 2017 addressed to the Chief Secretary and copy endorsed to Convener SLBC Haryana have informed that:--The Dairy Entrepreneurship Development Scheme (DEDS) is being implemented through NABARD and Nationalized banks. -DEDS is the only direct beneficiary oriented scheme covering loaning in the entire value chain from cattle procurement to sale of milk through outlets.It has been mentioned that SLBC is the main institutional forum for review of programme and policies by all financial institutions. SLBC should cover monitoring of bank funded dairy development scheme, DEDS wherein nationalized, commercial and RRBs provide loan assistance. As advised by NABARD, progress under the scheme for the half year ended Sept., 17 has been collected and compiled. Summary of the same is as under:-Men

No. of applications

Recd.

No. of applications sanctioned No. of applications forwarded to NABARD

Units Amt.(Rs. In lakh)

Units

Amt.(Rs. In lakh)


Units

Amt.(Rs. In lakh)

Units Amt.(Rs. In lakh)General

CategorySC/ST

BeneficiariesTotal

866 1613 669 1196 150 236 819 1432 154 297

WomenNo. of

applications Recd.

No. of applications sanctioned No. of applications forwarded to NABARD


Units

Amt.(Rs. In lakh)


Units

Amt.(Rs. In lakh)

Units Amt.(Rs. In lakh)General

CategorySC/ST

BeneficiariesTotal

329 741 191 338 118 336 309 674 149 197


Total (Men+Women)No. of

applications Recd.

No. of applications sanctioned No. of applications forwarded to

NABARDUnits

Amt.(Rs. In lakh)

Units

Amt.(Rs. In lakh)

Units

Amt.(Rs. In lakh)

Units

Amt.(Rs. In lakh)

Units

Amt.(Rs. In lakh)

General Category

SC/ST Beneficiarie

s

Total

1195 2354 860 1534 268 572 1128 2106

303 494

The Bank wise position is available in Annexure No. 26.1-26.3 (P 172-174).


AGENDAITEM NO. 13.1

PROGRESS UNDER DEBT SWAP SCHEME DURING THE HALF YEAR ENDED SEPT., 2017 (2017-18)

With a view to bring the farmers out of the clutches of money lenders/ non institutional lending agencies, a target of 3% of agriculture disbursement has been fixed for banks under the scheme. The progress made by banks is being reviewed in each SLBC meeting.The summarized position of achievement under Debt Swap Scheme during the h/y ended Sept., 2017 is as under:- (Amt. Rs. in Lakh)

Lending Institution Disbursement under

Agriculture

Target (3% of Disb. under Agriculture)

Achievement under Debt

Swap SchemePublic Sector Banks 1621195 48636 2848 (6%)Private Sector Banks

388825 11665 80 (1%)

RRBs 355988 10680 3577 (33%)Coop. Banks 539273 16178 313 (2%)Total 2905281 87158 6817 (8%)

From the above, it is observed that an amount of Rs.6817 Lac has been granted as loan under the scheme during the half year ended Sept., 2017, which is only 8% of the target.


The Bank wise position is available in Annexure No. 27 (P-175).

AGENDAITEM NO. 13.2

ADOPTION OF VILLAGES UNDER DEBT SWAP SCHEME

Upto the period ended Sept., 2017 banks have reported adoption of only 160 villages (Bank of India-11, Canara Bank-3, Dena Bank-6, Indian Bank-8, IOB-18, OBC-19, PNB-57, SBI-12, Syndicate Bank-3, Union Bank of India-1 and Sarva Haryana Gramin Bank 22).

SLBC Secretariat has regularly been following up with the Lead District Managers to allocate villages of their district under Debt Swap Scheme for bringing the farmers out of the clutches of money lenders.

Despite of regular follow up and recent communications dated 20.09.17, 4.10.17, 17.10.17 and 24.10.17, only LDM Faridabad and Fatehabad have reported allocated the villages to the banks operating in their respective districts for financing under Debt Swap Scheme of their bank.LDMs of the remaining districts are requested to apprise the house in this regard.

Similarly, the controlling heads of banks have also been requested to advise their branches to adopt villages in coordination with the LDM of their respective district for financing under Debt Swap Scheme and bringing the farmers out of the clutches of money lenders. The Controlling Heads of Banks are once again requested to advise their field functionaries to adopt one village in each district where they are having branch and lend liberally under the scheme to get the farmers out of clutches of money lenders so that the target allocated to their bank could be achieved. LDMs are also advised to coordinate with banks and finalize Bank-wise adoption of villages.The house may deliberate.

AGENDA ITEM NO.14

DOUBLING THE FARMER’S INCOME BY 2022

During the deliberations of 141st meeting of SLBC Haryana held on 11th

August, 2017, CGM NABARD requested SLBC that the group be


reconstituted and a separate meeting be held to achieve this important goal of the nation.

It is informed that a Sub Group consisting of the following members was constituted and conveyed to the Chief Secretary, ACS Finance and Financial Advisor, IF&CC Haryana on 23rd Sept., 2016:-

1. Reserve Bank of India 2. NABARD 3.Financial Advisor, IF&CC, Haryana

4. Agriculture & Farmers’ Welfare Department, Haryana,5. Convener Bank 6. Sarva Haryana Gramin Bank 7.HARCO Bank 8. Canara Bank 9. Central Bank of India 10.Oriental Bank of

Commerce 11. State Bank of India 12. Syndicate Bank 13. Union bank of India

and14. HDFC Bank

A meeting of the sub group was also convened on 2nd May, 2017 and the proceedings were placed in the 140th meeting of SLBC Haryana held on 18th May, 2017.

Representative of NABARD is requested to apprise the house that what changes are required to made in the Sub Group. It is also requested that the agenda items to be discussed in the next meeting of Sub Group may also be sent to SLBC Haryana Secretariat for convening the meeting accordingly.


AGENDA ITEM NO. 15 ISSUES OF REVENUE DEPARTMENT HARYANA

The Sr. Executive-Legal, Indian Banks’ Association vide their letter dated 23rd May, 2017 has informed that a representation has been received for notifying all District Headquarter Town, all Taluka /Tehsil Headquarter Town, all area of Municipal Corporation (Mahanagarpalika), Municipal Council (Nagarpalika) Nagar Panchayat under Section 58 (f) of Transfer of Property Act, 1882 for creation of Equitable Mortgage in the State of Maharashtra. As Maharashtra Government has not notified all District Headquarter Town, All Taluka / Tehsil Headquarter Town, All area of


Municipal Corporation (Mahanagarpalika), Municipal Council (Nagarpalika) Nagar Panchayat under Section 58 (f) of Transfer of Property Act, 1882 common man/small business people are facing lot of difficulties to create equitable mortgage & availing housing/ business loans for their needs. Acting upon this representation, Indian Banks’ Association (IBA) has informed Convener SLBCs that the notification u/s. 58 (f) is issued by State Government; various State Governments have notified towns in different manner. Further the SLBCs have been requested to verify that all District Headquarter Towns, all Taluka/Tehsil Headquarter Towns, all area of Municipal Corporation (Mahanagarpalika), Municipal Council (Nagarpalika) Nagar Panchayat have been notified by the State Government under Section 58 (f) of Transfer of Property Act, 1882. If the same is not done till date, please take necessary steps accordingly”.

It has also been informed by IBA that they have collected details of Mortgage Registration Charges on ‘Mortgage by Deposit of Title Deeds & Registered Mortgage/Mortgage Deeds’ prevailing in different States including Union Territories of India and data showing the different Structure of Registration Charges applicable in different States and Union Territories of India (Annexure No.28 P-176) and SLBC has been requested to take up the matter with the respective State Governments for rationalization of charges. The matter was taken up with the Office of ACS, Revenue & Disaster Management Department, Haryana vide Convener SLBC letter dated 26th May, 2017 and 23rd October, 2017 to confirm that all District Headquarter Towns, all Taluka/Tehsil Headquarter Towns, all area of Municipal Corporation (Mahanagarpalika), Municipal Council (Nagarpalika) Nagar Panchayat have been notified by the State Government under Section 58 (f) of Transfer of Property Act, 1882 for creating equitable mortgage. No communication has been received from the department till date.

Representative of Revenue & Disaster Management Department, Haryana is requested to apprise the house in this regard.



PROGRESS OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs)–SEPT., 2017

In the State of Haryana, RSETIs are functioning in all 21 districts of the state. From the progress report of RSETIs upto Sept., 2017, it has been observed that:-

- 3438 training programmes of Skill Development have been organized upto Sept., 2017 wherein 93384 trainees participated.

- 15188 trainees have been financed by the banks to start their Enterprises, 39509 trainees have set up enterprise with their owned funds and 5932 trainees got wage employment.

- Settlement rate is 65%.- Out of the total 93384 trainees, 32825 were from SC/ ST category,

25816 from OBC, 6404 from Minority and 28339 were from other categories.

- 48543 women & 486 Handicapped persons have also been provided training for self-employment.

- 5718 trainees have also been sponsored by KVIC/KVIB/DIC for EDP Training under PMEGP. Out of which, 1238 were women and 10 handicapped persons.

Performance of the RSETIs functioning in the State up to Sept., 2017 is given on Annexure No.29.1 (P-177). The House may review. AGENDA ITEM NO. 16.2

DISPOSAL OF LOAN APPLICATIONS SPONSORED/REFERRED BY RSETIs OPERATING IN THE STATE OF HARYANA

In order to improve the settlement rate of RSETI trained candidates, bank wise details of loan applications of RSETI trained candidates


forwarded to various banks in the State and applying pending with various bank branches has been collected from RSETIs and compiled by SLBC Secretariat.

From the progress report upto the period ended Sept., 2017, it has been observed that:-

- Upto Sept., 2017, 11282 loan applications of RSETI trained candidates have been sponsored to various banks operating in the State of Haryana.

- Out of 11282 applications, 4917 loan applications have been sanctioned and disbursement has been made to 4714 applicants.

- 2660 applications have been rejected by banks.- 3705 Applications were still lying pending for disposal with various

branches of banks in the State as at Sept., 2017. Bank wise and District wise progress along with the pendency is given on Annexure No.29.2-29.3 (P 178-179) Bank wise pendency has already been sent to the controlling heads of banks by SLBC Secretariat on 29.10.2017 with a request to impart necessary instructions to their branches in the state to ensure disposal of the pending applications at the earliest and not to keep them pending for more than one month from the receipt of application (s) at theirs.The representatives of banks present in the meeting are one again requested to ensure that the required instructions are issued to their field functionaries in this regard.The Lead District Managers have also been also advised to obtain the details of pending cases from the respective RSETIs and get the pendency cleared from the concerned banks.

The house may review. AGENDA ITEM NO. 16.3

ISSUES HINDERING THE CONSTRUCTION OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs) BUILDING

The issues relating to hindering the construction of RSETI buildings were discussed in the last meeting of SLBC Haryana and the State


Government was requested to initiate necessary steps to resolve the issues at the earliest. Convener SLBC vide its letter dated 29th Sept., 2017 addressed to the ACS Finance, Haryana has communicated that in view of the inordinate delay and non resolution of the issues hindering construction RSETI Buildings of District Jhajjar, Sirsa, Yamuna Nagar, Kurukshetra and Jind, PNB Centenary Rural Development Trust (PNBCRDT), HO, New Delhi has asked to submit our opinion/recommendations to drop the construction of RSETI buildings of District Jhajjar, Jind and Sirsa keeping in view the last date fixed by MORD to complete the buildings by 30th June, 2018.However, Department of Finance, Govt. of Haryana held two Video Conferences with the Deputy Commissioners of all districts of Haryana, Ist on 29.04.2017 Chaired by ACS Finance and participated by Convener SLBC, Haryana along with other concerned officials from bank and the State Govt. The 2nd on 18.07.2017 Chaired by Hon’ble Finance Minister, Haryana, also participated by ACS Finance, the Convener SLBC Haryana, other concerned officials wherein it was emphasized upon the respective DCs that they should get every issue relating to hindrance in the completion of construction of RSETI buildings resolved. Each DC assured to do so but many issues have been remaining unresolved.We once again request the concerned authorities of the Govt. to intervene in the matter so that the issues are resolved at the earliest and the construction of RSETI building could be started and completed within the time stipulated by MORD, GOI, New Delhi and the rural masses and unemployed youth are not deprived of the facilities being provided by the RSETI in the State of Haryana.

Latest Position of issues hindering construction of RSETI Buildings is also given hereunder:- S.No.

District Latest Status

1. JHAJJAR Construction of RSETI building could not be started due to pending issue of allocation of additional suitable land of 1/2 acre adjoining to existing land of 1/2 acre. Matter was escalated


by ACS (Finance & Planning) with concerned DC in VC held on 29/4/17 & 18/7/17. In this regard, request application by RSETI to DC was also given on 9/5/17 but no action is so far taken despite constant follow up by LDM. It is again requested either to provide additional land adjoining to existing land or alternate suitable land of 1 acre to construct RSETI building as per MORD guidelines without any further delay. Stipulated date to complete the construction on or before 30/6/2018 is to be kept into mind.

S.No.

District Latest Status

2. SIRSA Alternate Land is allocated to RSETI Sirsa & application of CLU is submitted on -27/3/17-- to DTP Sirsa. Letter of Observations by DTP Sirsa was given on 12/4/17. A critical observation relating to non availability of link road of 33 ft (6 karam) has been raised. Resolution of this issue was escalated by ACS (Finance & Planning) with concerned DC in VC held on 29/4/17 & 18/7/17. Concerned DC assured to get the issue resolved by earmarking the land in revenue record for rasta as the connected land pertains to panchayat. Issue is not yet resolved and further clearance of CLU may also take long time. It is again requested to give one time exemption or relaxation in issue of CLU process as land is allocated by the Government for the pre-decided purpose or allocate alternate suitable land of 1 acre to construct RSETI building as per MORD guidelines without any further delay. Stipulated date to complete the construction on or before 30/6/2018 is to be kept into mind.

3. JIND Despite repeated follow up with District Administration, land is not yet allocated. It is again requested to provide suitable land of 1


acre to construct RSETI building as per MORD guidelines without any further delay. Stipulated date to complete the construction on or before 30/6/2018 is to be kept into mind.

4. Yamuna Nagar

Construction of RSETI building was started in the month of 25/1/16 and construction work was got stopped after receiving show cause notice from DTP Yamuna Nagar on 28/3/16. Foundation of two blocks with pillar has been constructed. Sh.Sanjeev Kaushal, IAS, ACS conducted a meeting of concerned department on 29.10.2016 and it was concluded that as per requirement bank would leave 30 mtrs open area from the edge of the road as ''no construction zone'' and for approving of CLU, powers in case of RSETIs would be delegated to concerned DC. Delegation of powers were issued vide order of DG, Town and planning office Chandigarh dated 19/10/2016.

In the above case, our official visited to the office of DC along with necessary documents but after 2-3 visits, it was concluded that case may be deposited to DTP Yamuna Nagar.

Thereafter, queries were made to DTP Yamuna Nagar by RSETI Director and Chief LDM Yamuna Nagar and DTP office gave lot many observations in the proposal as per requirement of regular proposal to be dealt by DTP and he also stated that as per order of DG Town & Planning Chandigarh dated 19/10/16, it does not fall in the delegated power of concerned DC. As such, after completion of entire documents as per their requirement, case was again submitted to DTP on 23/2/17. DTP also stated that it involves two parts viz. 1st approval of CLU & 2nd approval of map by competent


authority.

Construction work was got stopped even after giving undertaking to leave 30 meters area for ''no construction zone''. Already, there is heavy investment involved in respect of construction of RSETI and it is a project of skill development under the control and monitoring of Ministry of Rural Development Department, Govt. of India.

DTP vide his letter dated 28/3/2017 further raised number of observations in respect of Grant of CLU. Further, with complete documents, proposal was submitted on 8/6/17 & letter of intent from DG, Town & Country planning was received vide their letter dated 2/8/17. All formalities as per letter of intent have been completed and submitted to DG, Town & country planning, Chandigarh except getting of NOC from PWD for access to the building from scheduled road. Again this formality is having lengthy process and involvement of huge expenditure. However, RSETI has applied for permission of access to XEN PWD Yamuna Nagar. XEN PWD has also recommended the case to PWD Office Chandigarh for granting necessary approval and waiver of lease charges.

Keeping in view the existing other building on the adjoining land, CLU issue and NOC from PWD to be waived. Approval of map may be approved by DTP considering the condition of leaving 30 meter land in the front for "no construction zone "as suggested in the meeting convened by Sh. Sanjeev Kaushal, ACS (Finance). RSETIs are being constructed under the directions of MORD guidelines for skill


development of unemployed youth and state Govt. may exempt the process of statutory requirement & waiver of expenditure for establishment of institution being setup for Govt. project to be run free of charges.

5. Kurukshetra Application for approval of CLU & Map was submitted with DTP KKR in the month of Sept 2015. After lapse of 18 months, still final approval of map is not given. Now, DTP observed to provide lift or ramp. As per National building code, it is not required where building is upto the height of 15 meters. But in this case, it is less than 15 meters. Moreover, RSETI has undertaken to provide all physical amenities for physical challenged persons on the ground floor including residential arrangement. This has not been acceded to by the Department & there is hefty expenditure on arrangement of ramp or lift & requirement of additional space.

RSETI Director Kurukshetra deposited the file for approval of map with DTP KKR. Preliminary query raised that 25% minimal area of FAR (4104.885 SQ. METERS) has to be constructed which comes to 1026. Sq. meters for approval of map. Our estimates are approved on the basis of drawings with constructed area of 908 sq mtrs submitted initially and if area is revised, we have to go for 1st & 2nd floor which needs condition of lift / ramp requirement and further estimate of construction would go up approximately with Rs 70 Lacs. As such it is requested that to waive condition with regard to 25% minimum construction of FAR. It is also added that hefty charges for obtaining CLU, preparation of drawings, processing charges


and other charges have also been paid by the RSETI.

Other issues involved are as under;-

1. One time relaxation in allowing CLU for construction of RSETIs as a special case.

2. Waiver of CLU charges. 3. Waiver of Payment of charges / taxes for getting the maps of

RSETI Buildings passed/approved from respective Municipal Corporation/ Committees/ Department of Town & Country Planning.

4. Sanction of electricity load/ water supply on domestic rates- MORD, Govt. of India vide its letter dated 15/9/2015 had advised all the state Governments as under:-

'' Difficulty in construction of RSETI premises :- It has been brought to our notice that wherever RSETIs have been allotted land and constructed the RSETI premises; demand for water & electricity charges are raised at commercial rates. It is clarified that RSETIs are engaged in training unemployed youth, as per Govt. of India guidelines and as a such, they should not be treated as commercial establishments and hence charges as applicable to domestic rates need only be collected.''

5. Timely release of electricity connection-Electricity connection is being released after inordinate delay taking 3-6 months with hefty charges on commercial basis. As such, it is requested that the concerned department may please be suitably directed to do the needful within a reasonable time to avoid unnecessary delay.

The representative of respective Department of Govt. of Haryana is requested to update the house in this regard.AGENDA ITEM NO. 16.4

ESTABLISHMENT OF RURAL SELF EMPLOYMENT TRAINING INSTITUTE (RSETI) IN THE NEWLY CREATED DISTRICT CHARKHI DADRI

In terms of Clause 1.3 of MoRD, scheme for RSETIs contained in Ministry of Rural Development, GoI, New Delhi manual of Standard practices for RSETIs, the concept of one RSETI per district has been approved. The


goal is to set up RSETIs in all Districts where the concerned bank is the Lead Bank. During the deliberations on the issue in the 141st meeting of SLBC Haryana held on 11th August, 2017 it was desired by the house that a viability study be got conducted by the Lead District Manager Charkhi Dadri in coordination with LDM Bhiwani and District Rural Development Agency (DRDA).

LDM Charkhi Dadri was advised to get a viability study conducted with regard to setting up of RSETI in their district. After deliberating in the meeting with the stakeholders he has informed that parallel to other districts, Charkhi Dadri District will also require the services of RSETI in order to provide skill development training to the unemployed youth, PMEGP beneficiaries and rural masses of the district as well.

The house may deliberate and approve the same.


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME-SEPT.

Against the target of Rs. 1640 crore (outstanding), the achievement of banks as at Sept., 2017 against the annual target was Rs. 1502 crore i.e.92%.

The comparative progress of banks under this scheme is given below:-(Amt. Rs. In Crore)

Year No. of A/cs

Balance Outstanding

IncreaseAbsolute %age

Sept. 2015 45399 1304 81 6.6%Sept. 2016 44947 1348 44 3.4%Sept. 2017 44310 1502 154 11.5%Bank-wise achievement vis-à-vis target is given in Annexure No.30.1 (P-180) During the review period, the education loans in the State have registered an increase of Rs.154 Crore from Rs.134 Crore as at Sept. 2016 to Rs.1502 Crore as at Sept., 2017 thus showing YoY growth of


11.5%. During the half year ended Sept., 2017, banks have disbursed a sum of Rs.129 Crore to 4784 students.AGENDA ITEM NO. 17.2

BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME (FEMALE STUDENTS)

Education to female children is pre-requisite not only for women empowerment but also for socio economic development of the State. Banks have been contributing adequately in facilitating higher/ technical education among the girl students in the State of Haryana.The comparative progress of banks under this scheme is given below:-

(Amt. Rs. In Crore)Year No. of

A/csBalance

OutstandingIncrease

Absolute %ageSept. 2015 13761 364 -17.80 -4.7%Sept. 2016 14006 405 41 11.3%Sept. 2017 15319 455 50 12.3%During the half year ended Sept., 2017, banks have disbursed a sum of Rs.35 Crore to 1382 female students. All Member Banks are requested to lend liberally to female students in the state. Bank wise position is given on Annexure No.30.2 (P-181).


POSITION OF NPA IN EDUCATION LOANS

(Amt. Rs. in Crore)Total Outstanding

as at 30.09.17Out of Col. 2 amt.

of NPA

%age of NPA

to total O/s

Out of Col.2 Education Loans

granted Collateral Free

(Amt.)

Out of Col. 5

Amt. of NPA

%age of NPA to

Collateral Free Loans

No. of A/cs

Amount

1 2 3 4 5 6 744310 1502 106 7% 890 83 9%

From the above position, it is observed that out of total outstanding of Rs.1502 Crore under Education Loan Scheme as at Sept., 2017, a sum of Rs. 106 Crore i.e.7% has become NPA. Out of the collateral free loans of


Rs.890 Crore under the Education Loan Scheme, a sum of Rs.83 Crore or 9% falls under NPA. Bank wise position is given on Annexure No. 30.3 (P-182).

AGENDA ITEM NO.17.4

POSITION OF NPA IN EDUCATION LOANS TO FEMALE STUDENTS

(Amt. Rs. in Crore)Total Outstanding as at 30.09.2017

Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2

Education Loans

granted Collateral

Free

Out of Col. 5

Amt. of NPA

%age of NPA to Collateral Free Loans

No. ofA/cs

Amount

1 2 3 4 5 6 715319 455 24 5% 242 13 5%

From the above position, it is observed that out of total outstanding of Rs.455 Crore under Education Loan to 15319 female students as at Sept., 2017, a sum of Rs.24 Crore i.e 5% has become NPA. Out of total collateral free loans of Rs.242 Crore, a sum of Rs.13 Crore or 5% falls under NPA.Bank wise data is given on Annexure No. 30.4 (P-183)


DEENDAYAL ANTYODAYA YOJANA-NATIONAL RURAL LIVELIHOOD MISSION (DAY-NRLM)

A meeting of sub-committee to SLBC on NRLM was held on 02.11.2017 to review the performance of banks and chalking out plan for further improvement and achieving the target under NRLM. The following action points emerged during the meeting:-

1. Banks to feed unique code allocated to NRLM SHGs in their CBS so that data could be fetched and interest subvention could be provided by NRLM.


2. Interest on SHG loans should be charged @ 7% and interest subvention is to be claimed from NRLM where-as some banks are charging usual/normal rate of interest on the loans provided to SHGs.

3. Stamp duty on SHG credit linkage granted to women SHGs has been waived vide notification dated 4th July 2016 issued by Govt of Haryana and needs to be implemented in true letter and spirit.

4. Best performing SHG branches should be rewarded by the banks as per the scheme of their bank.

5. District-wise sub committees on NRLM, as provided in master circular of RBI, are to be formed where not existing as yet and convene meeting on monthly basis to review the progress and resolve the related issues.

Progress under DAYNRLM during the half year ended Sept.,17 is given below for information of the house:-

Annual Target of Bank-SHG Linkage

No. of Applications pending as at 31.03.17

Applications Sponsored during the H/Y ended Sept., 17

SHGs Credit Linked during the Quarter ended Sept., 17

Applications pending as at Sept., 17

SHGs Credit Linked (Cum. Since inception) Upto Sept., 17

Ist

Dose

Ist Dose

2nd Dose

Ist Dose

2nd Dose

Ist Dose

2nd Dose

Ist Dose

2nd Dose

Ist Dose

2nd Dose

4850 673 237 303 112 223 82 753 267 4887 1725

Bank wise progress is given on Annexure No. 31.1 (P-184).

Controlling heads of banks and Lead District Managers are requested to initiate necessary action on the relevant points so that the issues affecting the progress could be resolved and the performance of banks under the scheme could also be improved significantly to achieve the allocated target.



SAVING & CREDIT LINKAGE OF SHGs-PROGRESS DURING THE HALF YEAR ENDED SEPT., 2017 (2017-18)


From the progress report of Self Help Groups (SHGs) for the half year ended Sept., 2017 (2017-18), it has been observed that against the target of Saving Linkage of 10000 SHGs, banks have saving linked 2016 SHGs and 46298 SHGs have been reported saving linked since inception of the scheme. Out of these, 18138 SHGs are NRLM compliant.Similarly, against the target of Credit Linkage of 10000 SHGs, banks have credit linked only 1148 SHGs during the half year ended Sept., 2017 (2017-18) and 32012 SHGs have been reported credit linked since inception of the scheme. Out of these, 12679 SHGs are NRLM compliant.Bank wise progress under Saving and Credit Linkage of Self Help Groups (SHGs) is given on Annexure No. 31.2 (P-185).



E-SHAKTI PROJECT (PHASE-II)- DIGITIZATION OF SELF HELP GROUPS (SHGs)–COLLECTION OF SHG DATA BY NGOs

Digital India Programme has been launched by Govt. of India under which all schemes and programmes are being digitalized by Govt. of India. Under this process, NABARD is digitalizing SHG data in 22 districts of the country including District Ambala in Haryana State. After collecting SHG Data of district Ambala, the same is to be uploaded in soft form on website”E-Shakti.nabard.org.” NABARD has selected Two Project Implementing Agencies (PIAs) Ujala Welfare Committee and Infosys Federation & Educational Council. The projects of these PIAs have been approved by NABARD. These agencies are forming SHGs in the District and after collection and compilation of SHG data of District Ambala will be uploaded on the website.6th & 7th meetings of PIMC on Eshakti Phase-II-Digitization of SHGs in Ambala District were held on 27.02.17 and 29.03.17. During the last meeting held at Ambala on 8th June, 2017 it was informed that 100% Digitization of the targeted SHG accounts has been achieved & their data has also been uploaded on the Mobile of the animators. The focus has shifted to Credit Linkage of SHGs. As per E-Shakti portal 316 SHGs have been credit linked out of 522 SHGs.


To carry forward the movement of Digital India Mission of GOI, NABARD has selected 3 more districts of Haryana namely Karnal, Sonepat and Sirsa to implement this pilot project for digitization of SHG data. A meeting of LDMs, DDMs, District Project Managers of HSRLM, NGOs, Selected Implementing Agencies and representative of SLBC Haryana was convened by NABARD on 11th Oct., 2017 to discuss the steps to be taken for implementation of the project.Representative of NABARD may apprise the house about the latest progress made in this regard.

AGENDA ITEM NO. 19.

JOINT LIABILITY GROUPS (JLGs) PROGRESS UPTO SEPT., 2017 (2017-18) VS TARGET 2017-18

From the progress report received from banks, it has been observed that against the target of financing of 5000 JLGs, 2839 (1387 Farm Based & 1452 others) JLGs have been financed during the half year ended Sept., 2017. Out of 2839 JLGs, 1820 JLGs and 843 JLGs have been financed by HDFC Bank and Yes Bank only.Controlling heads of other banks are requested to advise their field functionaries to pay focused attention towards achieving the targets allocated to their bank.Bank wise progress under financing to Joint Liability Groups is given on Annexure No. 32 (P-186).The house may review.

AGENDA ITEM NO. 20

REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES


DEENDAYAL ANTYODAYA YOJANA-NATIONAL URBAN LIVELIHOOD MISSION (DAY-NULM)

The State Urban Development Authority (SUDA), Haryana had revised the targets for the financial year 2017-18 as under:-


1. SEP Individuals-10000 2. SEP Groups- 25003. SHG Formation-4500 4. SHG Bank Linkage-2500

The revised targets were further allocated to the LDMs for further allocation amongst various banks operating in their respective Districts. On the basis of their allocation bank wise targets for the State as a whole were compiled by SLBC Secretariat and the same have been forwarded to the controlling offices of the banks vide SLBC e-mail dated 17th Sept, 2017.Progress under DAYNULM during the half year ended Sept., 2017 along with the issues related to implementation of the scheme in the State of Haryana was discussed in the meeting of Sub-Committee to SLBC Haryana on NRLM & NULM held on 2nd

Nov., 2017. Bank wise progress has been forwarded to the concerned banks by SLBC Secretariat on 31.10.2017 with a request to impart necessary instructions to their field functionaries for disposal of pending applications and disbursement of sanction cases at the earliest.

During the meeting representative of SUDA (NULM) informed the house that some banks are insisting for PAN cards from members of SHGs under NULM. Chief Manager, SLBC Haryana clarified that PAN card/ITR is not required for members of SHGs under NULM and requested the bankers to issue the instructions to their branches accordingly.

Further, the issues raised by representative of NULM have also been forwarded to the concerned banks and LDMs with a request to ensure that the same are resolved at the earliest.

Progress under DAYNULM during the half year ended Sept., 17 is given below for information of the house:-

Annual Target

(SEP-Ind.)

Cases Sponsd

. to banks

Cases Sanctd.

Cases

Disb.

Cases reject.

/retd.

Cases pending

for sanction

Cases pending for Disb.

No. No. No. No. No. No. No.10000 4188 564 386 991 2633 178


From the above, it has been observed that against the target of bank linkage of 10000 beneficiaries, during the half year ended Sept., 2017 out of 4188 applications sponsored to banks only 564 cases have been sanctioned (5.6% of the annual target) and 386 cases have been disbursed (3.86% of the annual target). 2633 & 182 applications were lying pending with various branches of banks in the State of Haryana for sanction and disbursement respectively.

Annual Target(SEP-Groups)

Cases Sponsored to banks

Cases Sanctioned

Cases Disb.

Cases reject./retd.

Cases pending for sanction


No. No. No. No. No. No. No.2500 145 26 8 11 108 18

From the above it has been observed that against the target of bank linkage of 10000 beneficiaries, during the half year ended Sept., 2017 out of 145 applications sponsored to banks only 26 cases have been sanctioned (1% of the annual target) and 8 cases have been disbursed (0.32% of the annual target). 108 & 18 applications were lying pending with various branches of banks in the State of Haryana for sanction and disbursement respectively.

Annual TargetFormation of Self Help Groups-

SHGs

SHGs Formed

Revolving Fund Released

No. No. No.4500 802 175

Against the target of credit linkage of 4500 Self Help Groups (SHGs) only 802 SHGs have been formed. No application has been forwarded to banks for credit linkage of the SHGs. However, revolving fund has been released to 175 SHGs. A copy of the district wise and bank wise progress as at Sept., 2017 is given on Annexure No. 33.1 & 33.5 (P 187-191).


AMENDMENTS IN GUIDELINES OF SELF EMPLOYMENT PROGRAMME (SEP) COMPONENT OF THE MISSION I.E. NATIONAL URBAN LIVELIHOODS MISSION (NULM) ISSUED ON 15TH

JUNE, 2016The Director, Ministry of Housing & Urban Poverty Alleviation, GOI, New Delhi vide DO letter dated 15th June, 2017 has mentioned that:-


1. The progress reported by the State of Haryana against the credit targets issued by RBI for 2016-17 has scope for improvement. There is also a delay in the disposal of loan applications submitted by Urban Local Bodies (ULBs).

2. The Ministry has brought out several amendments in the operational guidelines of SEP component to improve performance under the scheme. Some of the following initiatives are as under:-

Amendments in guidelines of SEP component were issued vide letter dated 15th June, 2016 recommending that:--No margin money should be taken for loans upto Rs.50000/--For loans ranging from Rs.50000/- to Rs.10 lakh preferably 5% should be taken as margin money and is should in no case be more than 10% of the project cost for SEP Individual and Group Finance.

Provision for Term Loan, Composite Loan and Working Capital Loans through Cash Credit arrangement has been made explicit in guidelines under SEP Individual and Group Finance.

Loans to Individuals in groups for setting up individual enterprises have been provided in SEP (G) guidelines.

SEP guidelines have been amended vide letter dated 22nd

August, 2016 so that the banks can now directly accept loan applications of urban poor beneficiaries on the basis of relevant documents as per the guidelines of PMMY or any other such scheme WITHOUT HAVING PRIOR SPONSORING FROM ULB. The details of such loans sanctioned should be sent to ULBs for confirmation of their eligibility for interest subsidy under DAY NULM.

Vicinity of urban poor in the vicinity of bank branches should be considered while allocating targets to them.

Loan sanction letter should contain the monthly/quarterly interest subvention payable on timely repayment of loans so that the beneficiaries are made aware and appropriately sensitized.

Controlling heads of banks and Lead District Managers are requested to ensure compliance of the above instructions of MOHUPA. AGENDA ITEM NO. 20.2

REVISED TARGETS UNDER PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP) FOR THE FINANCIAL YEAR 2017-18.


The Office of State Director, KVIC Ambala vide letter dated 8 th Sept., 2017 informed SLBC Haryana that the Directorate of PMEGP, Mumbai has revised targets of all the 3 Nodal Agencies implementing PMEGP in the State of Haryana ( KVIC,KVIB & DIC) for the financial year 2017-18 as under:-

S.No.

Agency Revised Target 2017-18No. Margin Money

(Rs. In lacs)Employme

nt1. KVIC 1238 2454.63 99002. KVIB 1237 2454.63 99003. DIC 1650 3272.84 13200

Total 4125 8182.10 33000

The above targets were further allocated to the LDMs for further allocations amongst various banks operating in their respective Districts. On the basis of their allocation the same were compiled by SLBC for the State as a whole and the same have been forwarded to the controlling heads of the banks vide SLBC e-mail dated 12th Oct., 2017. AGENDA ITEM NO. 20.2 (i)

PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP)-PROGRESS DURING THE HALF YEAR ENDED SEPT., 2017 (2017-18)

PMEGP Progress- As at 30.09 2017 is as under:-

M.M. Rs. In lakhsAnnual Target Cases

forwarded to banks

Cases Sanctioned

Margin MoneyClaimed

Margin MoneyDisbursed

Cases rejected/Retd.

Cases pending with banks for disposal

No. of Projects

Margin Money

No. No. Margin Money

No. Margin Money

No. Margin Money

No. No.

4125 8182 3886 731 1889 428 1083 379 974 1522 1691

Bank wise pendency under PMEGP was forwarded to the Controlling heads of banks vide SLBC Secretariat e-mail dated 29th Sept., 2017 with a request to get the pending applications disposed of within the


prescribed time norms and also get the sanctioned cases disbursed at the earliest.

Bank wise & District wise Progress is given on Annexure No.34.1 & 34.3 (P 192-194).

Director KVIC, Ambala vide their office letter dated 24th Oct., 2017 informed SLBC that the progress under the scheme is still poor. As on date, applications involving margin money of Rs.21 crore have been sanctioned by the banks and a large number of applications involving margin money of more than Rs.65 crore are still lying pending in branches of various banks for a decision/disposal/sanction.

During the deliberation held in 3rd meeting of Steering Committee to SLBC Haryana held on 2nd Nov., 2017, representatives of banks present in the meeting were requested to:-

1. Monitor the progress of their bank on regular basis by viewing the progress report from PMEGP E-Portal.

2. Issue instructions to the field functionaries to dispose of the applications sponsored by the District Level Task Force Committee within the prescribed time norms and not to keep the same pending without genuine reasons and to disburse the sanctioned cases without delay.

3. Claim the Margin Money from the Nodal Bank after sanction of the loan.

4. Ensure that the Loans are disbursed after the EDP training.5. Ensure that the Branch Managers are advised to mark the

sanctioned/disbursed cases in the PMEGP Portal so as to reduce the pendency and improve the performance of their bank in the District and for the State as a whole.

Action Required from the Department

1. To ensure sanction of the loan, proper scrutiny of the loan applications be done by the DLTFC to minimize the rejection of applications


2. Maximum applications should be forwarded to the banks by 31st

Dec., 2017 so as to enable the banks to sanction and disburse the loans well before the end of the financial year and ensure achievement of the allocated targets.

3. While forwarding the applications to bank branches, residence/place of business/activity should be kept in mind.

4. While forwarding the applications to the banks, targets allocated to the bank in the district should also be kept in mind so as to maintain balance between the banks according to the allocated target.

5. To advise their District Level Nodal Officers to visit LDM Office on 20th of every month with bank wise pendency for follow up with the concerned bank branches. If 20th is a holiday then they should visit on the next working day.

Controlling heads of banks and representatives of KVIC/KVIB/DIC are requested to take necessary steps mentioned above.



PROGRESS OF CASES SPONSORED BY HARYANA SCHEDULED CASTES FINANCE & DEVELOPMENT CORPORATION (HSCFDC)

Progress of cases sponsored by HSFDC upto 30.09.17 was reviewed in the 3rd meeting of Steering Committee to SLBC Haryana held on 2nd

Nov., 2017 and the representatives of banks present in the meeting were requested to get the necessary instructions issued to their field functionaries to dispose of the applications sponsored by the Corporation as per the prescribed time norms and not to keep the same pending without genuine reasons and disbursement of the sanctioned cases without delay.

A copy of the progress report showing district wise/bank wise pendency has also been forwarded to the Controlling heads of banks vide SLBC e-mail dated 30th October, 2017 with a request to advise their field functionaries to dispose of the pending applications within the prescribed time norms.


However, Progress under the scheme for the State of Haryana as at Sept., 2017 is given below for information of the house:-

Annual Target

Cases Sponsd.

Cases Sanctioned

Cases Disbursed

Cases rejected/returned

Cases pending for sanction


%age Ach.

No. No. No. No. No. No. No.8000 8665 1876 1688 1734 5055 188 21%

Bank wise & District wise Progress is given on Annexure No.35.1 & 35.6 (P 195-200) for reference of the SLBC member banks.

The Managing Director, HSFDC, vide their DO Letter dated 24.10.2017 have informed that the %age achievement under the scheme as at 30.09.2017 is 21% only whereas it should have been at least 40%. It has also been mentioned that non-achievement of targets will not only affect adversely to the performance of HSFDC but it will also affect the flow of funds from Govt. of India. Further, as all are aware that delay in sanction/disbursal of loan discourages the beneficiaries, affects the proper utilization of funds and repayment thereof thus defeating the very purpose of loaning.

Convener SLBC vide its office letter dated 3rd Nov. 2017 has advised all LDMs of Haryana to ensure that all sponsored cases (HSFDC/PMEGP/NRLM/NULM etc.) are disposed of within the prescribed time norms and the sanctioned cases are disbursed without delay so that the target allocated to banks/districts/State as a whole could be achieved well in time.AGENDA ITEM NO. 21

PROTECTED CULTIVATION IN HARYANA- BANKABLE PLAN FOR 2017-2018


NABARD RO, Haryana Chandigarh has informed SLBC Haryana Secretariat that the target allocated under Protected Cultivation (Bankable Plans) for the FY 2016-17 have been retained for the financial year 2017-18 as well. The same are mentioned in the progress report for the half year ended Sept., 2017 available on Annexure No.36 (P-201).However, from the progress report received from banks, it has been observed that during the half year ended Sept., 2017, 40 units amounting to Rs.1863 lacs have been financed against the target of 1007 units with an amount of Rs.2346 lacs respectively under Naturally Ventilated Poly House Model (NVPH).No progress has been reported by any bank under Walk in Tunnel (WIT) Model during the half year ended Sept., 2017 against the target of 371 units with an amount of 557 lacs respectively.The House may reviewAGENDA ITEM NO. 22

PROGRESS OF CASES SPONSORED BY NATIONAL HORTICULTURE BOARD (NHB) DURING THE HALF YEAR ENDED SEPT.,17

From the Progress report received from the National Horticulture Board, RO Chandigarh it has been observed that no LOI has been issued by NHB during the half year ended Sept., 2017 under No.1 and 2 of NHB.However, Subsidy amounting to Rs. 1376.95 lacs has been released in 38 Projects during the half year ended Sept., 2017. (UBI-3, SBI-3, PNB-2, Allahabad Bank-1, Bank of India-3, BOB-3,Dena Bank-1, Federal bank-1, Indian bank-4, Kotak Mahindra Bank-3,OBC-2, RBL Bank Ltd.-4, Syndicate Bank-5, Vijaya Bank-1 and Ambala Central Coop. Bank-1 & Others-1)

Details of Bank wise subsidy released during the half year ended Sept., 2017 is given on Annexure No.37.1-37.2 (P 202-203).This is for information of the house.


RECOVERY UNDER HACOMP ACT


The position of recovery certificates as at Sept., 2017 is given hereunder:-

(Amt. Rs.in Crore)Particulars A/cs AmountTotal cases pending as at 31.03.17

18002 674.07

Cases filed during the period ended Sept., 2017 (1.04.17-30.09.17)

1847 78.28

Cases disposed of during the period ended Sept., 2017 (1.04.17-30.09.17)

3394 142.01

Cases pending as at Sept., 2017 16455 610.35Pendency levelUp to 6 months 3436 169.966 months to 12 months 3185 102.631 year to 3 years 7600 254.04Above 3 years 2234 83.72Total 16455 610.35

Bank wise/District wise position is given in Annexure No. 38.1 & 38.2 (P 204-205) OBSERVATIONS:

16455 Recovery Certificate cases amounting to Rs.610.35 crore were pending as at 30.09.2017 as against 18002 cases involving Rs.674.07 crore as at March, 2017.

During the h/y ended Sept., 2017 (01.04.17-30.09.2017), banks have filed 1847 Recovery Certificate Cases amounting to Rs.78.48 Crore. As many as 3394 cases amounting to Rs.142.01 Crore have been disposed of during the h/y ended Sept., 2017 (01.04.17-30.09.2017).

2234 Cases involving an amount of Rs.83.72 crore were pending for more than three years as on 30.09.17.

Controlling heads of banks are requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank and also provide District wise details of pending cases for taking up the matter with Revenue Department, Haryana accordingly.


All LDMs are also advised to review the pendency in the DCC/DLRC meetings and make efforts to get the pendency cleared/minimized at the earliest.

The House may discus

ITEM NO. 23.2 RECOVERY UNDER PRIORITY SECTOR ADVANCES

The Sector-wise recovery position is as under:-Sector Sept., 15

(% age Ach)Sept., 16

(% age Ach)Sept., 17

(% age Ach)Variation

(PPs)Agriculture

80% 73% 69% -4%

MSME 74% 80% 65% -15%OPS 75% 77% 68% -9%Overall 77% 76% 68% -8%

Bank-wise recovery position for the half year ended Sept., 17 is given in Annexure No.39 (P-206). The data reveals that the recovery position has declined by 4%, 15%, 9% and 8% under Agriculture, MSME, OPS and Total Priority Sector respectively during the half year ended Sept., 17. It has been observed that major private sector banks i.e. ICICI Bank, Indusind Bank, Kotak Mahindra Bank and Yes Bank have not submitted recovery position of their bank.

Controlling heads of all banks are requested to ensure submission of the recovery position of their bank during the next quarter so as the recovery position of the State is improved further.The house may deliberate.ITEM NO. 23.3 RECOVERY UNDER GOVT. SPONSORED

SCHEMESBank-wise Recovery position under various Govt. Sponsored Programmes during the half year ended Sept., 2017 is given on Annexure No. 40.1-40.4 (P 207-210). Gist of overall recovery position is as under:-

(%age Recovery)Period NULM/ SGSY/ SHG


PMEGP/ PMRY

SJSRY NRLM Under

SGSY

Other than SGSY

Sept., 15 PMEGP 51%PMRY 34%

NULM-63%

SJSRY 24%

NRLM-4%SGSY 48%

55% 68%


NULM-39%

SJSRY 26%

NRLM-52%SGSY 51%

56% 65%


NULM-54%

SJSRY 11%

NRLM-84%SGSY 64%

62% 62%

From the data submitted by banks it has been observed that majority of the banks particularly the private sector banks have not provided data relating to recovery.Controlling heads of banks are requested to advise the concerned officials of their bank to ensure submission of recovery data properly so that purpose of review of recovery position of banks could be achieved.The house may discuss.

AGENDA ITEM NO. 24

Disposal of cases filed by banks before Chief Metropolitan Magistrate(CMM)/District Magistrate(DM) under Section 14 of the SARFAESI Act, 2002

SLBC Secretariat has requested Deputy Commissioners of all the Districts to provide bank wise progress report of disposal of cases filed by banks under SARFAESI Act, 2002 on the prescribed format. Some of the Deputy Commissioners are providing information but not as per the prescribed format and in time which can be reviewed in SLBC meetings.Revenue Department authorities are requested to impart necessary instructions to all DCs/ADCs to ensure submission of the bank wise progress report to SLBC Haryana Secretariat on the prescribed format for review in the SLBC Meetings. SLBC Secretariat had also requested the Controlling Heads of SLBC member banks to provide district wise details of cases filed by their


bank before Chief Metropolitan Magistrate (CMM)/District Magistrate (DM) under Section 14 of the SARFAESI Act, 2002 which are lying pending but majority of the banks have not submitted the details of pending cases.

As per the report received from banks for the period ended Sept., 17, 55 cases were lying pending for disposal in District Ambala (2), Faridabad (17), Fatehabad (2), Gurugram (5), Hisar (4), Jind (4), Karnal (1), Kurukshetra (2), Panchkula (4), Panipat (2), Sonepat (1) and Yamuna Nagar (11).

A copy of the same has been sent to the Deputy Commissioners of the concerned districts with a request to ensure disposal of the pending applications at the earliest and office of ACS, Revenue & Disaster Management Department, Haryana as well for information and necessary action.

Summary of the same is given at Annexure No.41 (P-211).

Controlling heads of all SLBC member banks are requested to provide District wise details of pending cases for taking up the matter with Revenue Department, Haryana accordingly. They are also requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank. All LDMs are requested to closely follow up with Revenue authorities and get the pendency cleared/minimized at the earliest.

The House may discuss. AGENDA ITEM NO. 25

HOUSING FINANCE

The comparative position of outstanding advances under Housing Finance is given below:-

(Amt. Rs. In Crore)As At Accounts Amount Increase

Absolute %age


Sept., 2015 162454 12801 1159 10%Sept., 2016 151684 21362 8561 67%Sept., 2017 203806 25290 3928 18%Bank wise position as at Sept., 2017 is given in Annexure No. 42.1-42.3 (P 212-214).HIGHLIGHTS:-

The outstanding advances under Direct Housing Finance Scheme have increased by Rs.3928 Crore from Rs.21362 Crore as at Sept., 2016 to Rs.25290 Crore as at Sept., 2017, thus registering a growth of 18%.

Banks have disbursed Rs.3730 crore in 20286 accounts during the half year ended Sept., 2017.


AGENDA ITEM NO. 26

ADVANCES TO INDUSTRIAL SECTOR


FLOW OF CREDIT TO MICRO, SMALL & MEDIUMENTERPRISES (MSMEs)

Priority Sector Guidelines for MSME Sector In terms of circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015 on ‘Priority Sector Lending - Targets and Classification’, bank loans to Micro, Small and Medium Enterprises, for both Manufacturing and Service sectors are eligible to be classified under the Priority Sector as per the following norms:-

Manufacturing Enterprises The Micro, Small and Medium Enterprises engaged in the manufacture or production of goods to any industry specified in the first schedule to the Industries (Development and Regulation) Act, 1951 and as notified by the Government from time to time. The Manufacturing Enterprises are defined in terms of investment in plant and machinery. Service Enterprises Bank loans up to Rs.5 crore per borrower/unit to Micro and Small Enterprises and Rs.10 crore to Medium Enterprises engaged in providing or rendering of services and defined in terms of investment in equipment under MSMED Act, 2006.


In terms of the recommendations of the Prime Minister’s Task Force on MSMEs, banks are advised to achieve: (i) 20 per cent year-on-year growth in credit to micro and small enterprises, (ii) 10 per cent annual growth in the number of micro enterprise accounts and (iii) 60% of total lending to MSE sector as on preceeding March to Micro enterprises. It is further advised that banks should open more SME focused branch offices at different MSE clusters which can also act as Counseling Centers for MSEs. Each Lead Bank of a district may adopt at least one MSE cluster.The comparative position of credit outstanding to MSME is as follows:-

(Amt. Rs.in Crore)Particulars SEPT., 2016 SEPT., 2017

A/cs Amt. A/cs Amt.Micro Enterprises 423546

(39%)17690 (13%)

435913(3%)

21061 (19%)

Small Enterprises 127818 20868 127353 21906Micro & Small Enterprises (MSEs)

551364 38558(10%)

563266 42967 (10%)

Share of ME Advs. out of MSEs

(77%) (47%) (77%) (54%)

Medium Enterprises (MEs)

18141 10295 18151 11458

MSMEs 569505 48853 581417 54426Bank-wise performance is as per Annexure No. 43.1-43.2 (P 215-216). Observations:

In the State of Haryana, banks as at Sept., 2017 have provided credit to 435913 Micro Enterprises as against 423546 units as at Sept., 2016 thus registering annual growth of 3% against the target of 10%.


The share of micro enterprise advances to total MSE advances as at Sept., 2017 is 54% against stipulated level of 60%. MSE advances as at March, 17 were Rs.39161 crore.

YoY growth in credit to MSEs as at Sept., 2017 is 10% against the target of 20%.

The House may review.AGENDA ITEM NO. 26.2

NPA UNDER MSME ADVANCES

The position of NPA under MSME Advances as at 30th Sept., 2017 is as under:-

(Amt. Rs. in Crore)No. of MSME

Loan A/cs outstanding as at

30.09.2017

Amount of MSME Loans

outstanding as at

30.09.2017

Out of Col. 2, amt. of NPA as

at 30.09.17

%age of NPA under

MSME Loans as at

30.09.17

Out of Col. 2, MSME loans

granted collateral

free

Out of Col. 5, amt. of NPA as

at 30.09.17

%age of NPA under MSME

Loans granted

collateral free as

at 30.09.171 2 3 4 5 6 7

581417 54426 3886 7.1% 14974 855 5.7%Bank-wise detail is given as per Annexure No. 43 .3 (P-217).


BIFURCATION OF NPA UNDER MSME ADVANCES

The bifurcation of NPA under MSME Advances as at 30th Sept., 2017 is as under:-

(Amt. Rs. in Crore)Micro Enterprises Small

EnterprisesMedium

EnterprisesTotal NPA

under MSME Advances

48007 1936 9142 1165 2487 785 59636 3886Bank-wise detail is given as per Annexure No.43.4 (P-218).


MSME CLUSTERS IN THE STATE OF HARYANA

The progress of MSME clusters as at Sept., 2017 is given below:-


FLOW OF INSTITUTIONAL CREDIT TO IDENTIFIED MSME CLUSTERS– SYSTEM

(Amt. Rs. in Crore)District Cluster Annual

TargetAch. During the Q.E. Sept., 17

(1.07.17 to 30.09.17)

Ach. during the period ended

Sept.,17(01.04.17-30.09.17)

% age Ach.

A/cs Amt. A/cs Amt.Karnal Rice

Milling150.00 43 64.99 65 130.84 87%

Agri Imp. 0.50 5 0.85 15 2.85 570%Gurugram Auto

Components

Targets to be allocate by

LDMO

No Progress Submitted by LDMO Gurugram

YamunaNagar

Plywood Industries

54 40.56 73 46.41 -

Faridabad Auto Components

525 137.21 269.96 51%

Light Engg.

675 184.21 394.36 58%

Lead District Managers of District Gurugram and Yamuna Nagar have not revised/fixed the target of MSME. They are once again advised to allocate the targets and convey the same to SLBC Secretariat for incorporating the same in the agenda papers of next SLBC, Haryana meeting accordingly.LDMs may apprise the house in this regard.

AGENDA ITEM NO.26.4

CREDIT LINKAGE OF UNIDENTIFIED/UNRECOGNIZED MSMES CLUSTERS

As per the data for the period ended Sept., 2017 received from LDMs, it has been observed that 634 Micro and 8 Small units are yet to be credit linked. LDMs of these districts are requested to ensure that issues coming in the way of credit linkage of these units in the unidentified MSME clusters are resolved at the earliest and steps for their credit linkage may please be taken up expeditiously.


District wise Progress made with regard to Credit Linkage of Unidentified/Unrecognized MSME Clusters is given on Annexure No.43.5 (P-219)

The House may discuss.


SPECIALIZED MSE/MSME BRANCHES

109 Specialized SSI/MSME Branches in Haryana have sanctioned Rs.1418 Crore in 3707 cases during the half year ended Sept., 2017 and disbursement has been made in 3611 cases amounting to Rs.946 Crore. Outstanding advances of specialized MSE/MSME branches as at Sept., 2017 were Rs. 9550 Crore to 29402 units. Bank wise position is given on Annexure No.43.6 (P-220)The House may review.AGENDA ITEM NO. 26.6

COLLATERAL FREE LOANS UPTO Rs.10 LAKH TO MSE SECTOR

The progress of financing by the banks under Collateral Free loans upto Rs. 10 lakh to MSE Sector as at Sept., 2017 is summarized below:-

(Amount Rs. in Lakh)Period New MSEs loans

upto Rs. 10 lakhOut of which collateral

free loansNo. of units

Amount

No. of units

Amount

Sept. 2016 (01.04.16 -30.09.16)

72223 117613 69867 (97%)

109529 (93%)

Sept. 2017 (01.04.17 -30.09.17)

62380 107631 60096 (96%)

100296(93%)

Bank wise information is as per Annexure No. 43.7 (P-221) From the above data it has been observed that banks have disbursed loans up to Rs.10 lakh to 62380 MSE units during the half year ended Sept., 2017 against 72223 units during the corresponding period last year. Similarly, the collateral free loans have been provided to 60096 units (96% of the total units) amounting to Rs.100296 lac (93% of the total amount financed) during the half year ended Sept., 2017.


The following banks have not granted 100% collateral free loans to MSEs (Upto Rs.10 lacs):-Public Sector BanksAndhra Bank (58%) Bank of Baroda (66%) Bank of India (97%) Bank of Maharashtra (50%), Canara Bank (91%), Corporation Bank (99%),Dena Bank (62%), OBC (41%), P&SB (99%), Syndicate Bank (92%), UCO Bank (64%), and United Bank of India (59%). In terms of extant guidelines of RBI, loans upto Rs.10 Lac to MSE units have mandatorily to be provided collateral free. This aspect is being repeated in each SLBC meeting. Controlling heads of banks are requested to ensure that 100% collateral free loans upto Rs.10.00 lakh are granted by all branches of their bank. The house may discuss.


CREDIT GUARANTEE SCHEME OF CGTMSE

The Credit facility upto Rs. 200 Lakh sanctioned to MSEs (both Manufacturing & Service Sector) are eligible to be covered under CGTMSE. During the SLBC meetings, all banks are requested to avail the benefit of the Scheme and to get all eligible units covered under the Scheme.

Progress under the scheme up to Sept., 2017 is given below:-(Amount Rs. in Lakh)

Coverage 2016-2017

(Upto Sept., 16)

Coverage 2017-2018

(Upto Sept., 17)

Variation in no. of cases

Sept. 2017/2016

%age YOY growth

Cumulative position as at Sept., 2017

A/cs Amt. A/cs Amt. A/cs Amt. A/cs Amt. A/cs Amt.4868 2693

72340 24279 -2528 -2658 -52% -10% 39418 28949

2District-wise/Bank-wise position is given in Annexure No.43.8 (P-222).


The data reveals that 2340 cases have been covered during the half year ended Sept., 2017 as against 4868 cases covered under the scheme during the corresponding period of last year showing a negative growth of 52% in no. of accounts & 10% in the amount involved. Total number of applications approved since inception are 39418 amounting to Rs.2895 crore.

The house may review.AGENDA ITEM NO. 27

ENGAGEMENT OF APPRENTICES IN BANKS UNDER APPRENTICE ACT, 1961

The State Apprentice Advisor cum Director Skill Development and Industrial Training Department, Haryana, Chandigarh vide their DO letter dated 31st July, 2017 has informed that GOI has enacted Apprenticeship Act, 1961 to provide on the job training to the candidates for skill up-gradation. As per the notification GSR 479(E) dated 30th June, 1999 issued by the GOI, banking activities including financial services are covered under the Act. Ministry of Skill Development & Entrepreneurship (MSDE), Govt. of India is the Administrative Ministry for implementing the Act.As per the Act, -All establishments having more than six man power, are required to engage apprentices in the band of 2.5%-10% of the total manpower.

-In order to incentivize the establishments, the Ministry has launched National Apprenticeship Promotion Scheme (NAPS) with a provision to reimburse 25% of the paid stipend or maximum Rs.1500/-per month per apprentice, whichever is less, to the establishments.

-GOI has also instituted web portal www.apprenticeship.com, www.dgt.govin and www.apprenticeship.gov.in for information.

-out of 259 designated trades under the Apprenticeship Act covering various sectors, 15 optional trades (Annexure No.44 (P-223) have been notified by MSDE for apprenticeship training.

SLBC had been requested to issue necessary instructions to all banks in the State of Haryana, to immediately initiate the process of compliance


http://www.apprenticeship.gov.in/

http://www.dgt.govin/

http://www.apprenticeship.com/

of the Apprenticeship Act and engaging the apprentices in the numbers mandated as per the Act.Convener SLBC vide its letter dated 7th Sept., 2017 followed by reminder dated 27th Oct., 2017 has requested the Chairman IBA for providing necessary guidance on the issue of engaging apprentices under Apprenticeship Act but no communication has been received till date in this regard.The house may discuss.


CREDIT FLOW TO MINORITY COMMUNITIES UNDER PRIME MINISTER’S 15 POINT ECONOMIC PROGRAMME

SLBC has been repeatedly requesting SLBC member banks to advise their branches to open bank accounts of students & beneficiaries of minority communities which would help in ensuring accrual of benefits & delivery of financial support to these minority communities.

The comparative position of outstanding advances to minority communities is given below:-

(Amt. Rs. In lacs)Community

Outstanding as on Sept. 2015



A/cs Amt. A/cs Amt. A/cs Amt.Muslim 335380 299133

(46%)345699 250615

(-16%)182439 282798

(13%)Sikh 416912 577985

(15%)445808 749626

(30%)268050 810202

(8%)Christian 2596 10709

(9%)3696 19200

(79%)4061 20774

(8%)Buddhist 131 908 (9%) 170 1553

(71%)217 2166

(39%)Jain 4258 19806

(77%)2788 19146 (-

3%)3508 23903

(25%)Zorastrian 43 136(113

%)48 290

(113%)47 514

(77%)Total (Incl. Coop. bks)

759320 908677 (25%)

798209 1040430 (14%)

458320 1140318(10%)


Bank-wise data on loans disbursed and outstanding as at Sept. 2017 is given on Annexure No.45.1-45.3 (P 224-226).It has been observed that the total outstanding to Minority Communities in the State is Rs.11403 Crore to 458320 beneficiaries as at Sept. 2017. An amount of Rs.1907 crore has been disbursed to 81612 persons during the period ended June 2017 (2017-18).YOY growth is 10% and %age of amount advanced to minority communities to total priority sector advances is 9% which needs strenuous efforts by banks for considerable improvement.Member Banks are requested to advise the branches in the State to extend more credit to minority community for their economic development as Govt. of India wants that at least 15% of the Priority Sector Advances should go to Minority Communities. The house may review.AGENDA ITEM NO. 28.2

DATA ON MINORITY COMMUNITIES IN IDENTIFIED DISTRICTS OF MEWAT AND SIRSA & OTHER MINORITY CONCENTRATED DISTRICTS OF HARYANA

The RBI has identified 121 districts with concentration of Minority Communities, out of which, two districts of Haryana i.e. Mewat and Sirsa have been identified for this purpose. As advised by the ACS, SJE, Haryana, Data on financing to Minority Communities in the minority concentrated districts of Haryana i.e. District Mewat, Sirsa, Fatehabad, Yamuna Nagar, Kaithal and Palwal has been compiled by SLBC Secretariat and has been given on Annexure No. 46.1-46.2 (P 227-228). From the progress received from the LDMs of these districts it has been observed that:-

Amt. Rs. In LakhDistrict Total

Disb. Under Priority Sector

Disb. To Minority Communities

% age of Credit Disb. To Minority Communities

Total Outstanding Under Priority Sector

Outstanding To Minority Communities

% age of Total Outstanding to O/s to Minority Communities

Mewat 38218 24510 64% 133756 107639 80%Sirsa 36476 147727 40% 647009 301346 47%


0Fatehabad

256390

14506 6% 444178 56189 13%

YamunaNagar

397210

2994 0.75% 517241 55763 11%

District Total Disb. Under Priority Sector

Disb. To Minority Communities

% age of Credit Disb. To Minority Communities

Total Outstanding Under Priority Sector

Outstanding To Minority Communities

% age of Total Outstanding to O/s to Minority Communities

Kaithal 250789

9312 4% 521660 45697 9%

Palwal 68821 11675 17% 242902 56813 23%Controlling heads of banks are requested to advise their field functionaries especially in District Fatehabad, Yamuna Nagar, Kaithal and Palwal to extend more credit to the minority communities so that the socio economic status of these communities could be improved significantly.LDMs of the above Minority Community concentrated districts are also requested to review the progress in DCC/DLRC meetings and make concerted efforts to increase the financing to minority communities in their respective districts.The house may review and discuss.

AGENDA ITEM NO. 29

FINANCIAL ASSISTANCE TO WOMEN BENEFICIARIES

The empowerment of women is one of the primary objectives of Government of India. RBI has already issued instructions to the banks to advance at least 5% of their Net Bank Credit to Women Beneficiaries. This aspect is being monitored both at DCC and SLBC levels. The comparative position of advances to women beneficiaries is given below:-

Amt. Rs. in Crore)Year Balance O/s Increase % age of

Total Advances

Absolute %age

Sept., 2015

9881 1705 21% 5%


Sept., 2016

17293 7412 75% 9%

Sept., 2017

19334 2041 12% 10%

Advances to Women Beneficiaries witnessed an increase of Rs.2041 Crore from Rs.17293 Crore as at Sept., 2016 to Rs.19334 Crore as at Sept., 2017, thus registering a YOY growth of 12%. During the half year ended Sept., 2017, banks have disbursed loans amounting to Rs.3883 Crore to 123683 women beneficiaries.Bank-wise data depicting the performance during the quarter ended Sept., 2017 is given in Annexure No. 47 (P-229).The house may review.AGENDA ITEM NO. 30

BANKING PLANS FOR AREA BASED SCHEMES FOR INVESTMENT IN AGRICULTURE

Activity wise/Scheme wise progress under banking plan for identified activities i.e. Dairy, Under Ground Pipe Line (UGPL), Laser Land Leveler, and Sprinkler Irrigation for the financial year 2017-18 as at 30.09.2017 is given below:-Dairy

Amt. Rs. In lacsTarget Sanctioned Disbursed % age Ach.

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

89558 48361 6304 4020 5199 2868 7% 8%

Under Ground Pipe LineAmt. Rs. In lacs

Target Sanctioned Disbursed % age Ach.No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

7174 6810 516 2057 516 1963 7% 30%Laser Land Leveler

Amt. Rs. In lacsTarget Sanctioned Disbursed % age Ach.

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan


1905 6002 87 175 87 175 5% 3%Sprinkler Sets

Amt. Rs. In lacsTarget Sanctioned Disbursed %age Ach.

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

5557 1000 116 217 116 214 2% 22%Bank wise Progress is as per Annexure No.48.1-48.4 (P 230-233)

The House may review. AGENDA ITEM NO.31

PROVIDING KISAN CREDIT CARDS (KCCs) TO ALL THE ELIGIBLE & WILLING FARMERS

Position as on 30.09.2017 S.No

.Particulars Data

1 KCCs outstanding as at 31.03.2005 1447178Amt Rs. 5225 Crore

2 KCCs issued since inception of the Scheme

4017316

3 Amount Sanctioned Rs. 67489 crore4 Outstanding Card Nos. 23537285 Amount Outstanding Rs.43014 crore

As per census 2011, data on number of farmers available with the Agriculture Department, Haryana is as under:-

Sr. No.

Classification of Farmers Numbers in lakhs

1. Marginal Farmers 7.782. Small Farmers 3.153. Other Farmers 5.24

Total 16.17It may be observed from the above data that the no. of KCCs outstanding as on 30.09.2017 i.e. 2353728 is more than the no. of farmers in the State. The difference may be on account of issuance of more than one KCC to a farmer family depending upon the land ownership in the Revenue Record provided by the farmer to the Lending Institution.Bank-wise progress under Kissan Credit Card (KCC) Scheme as at Sept., 2017 is given in Annexure No. 49.1-49.2 (P 234-235).


This is for the information of the house.AGENDA ITEM NO. 32

PROVIDING OF RUPAY DEBIT CUM ATM CARD TO KISAN CREDIT CARDS HOLDERS

Govt. of India had advised the banks to ensure issuance of RuPay ATM cum debit cards to 95% of the total eligible KCC holders by 31st Dec., 2016. It has been observed from the progress reports received from banks that out of 2071754 eligible KCC holders, banks have issued only 1151391 Rupay ATM cum debit cards upto September 2017 i.e.36%. It has been observed that HARCO Bank has maximum KCC holders i.e. 1198403 but they have issued only 389561 (33%) Rupay Debit cum ATM Cards. Member banks are requested to issue Rupay Cards to remaining eligible KCC holders expeditiously.Representative of HARCO Bank may apprise the house further in this regard.Bank wise position of issuance of Kisan Rupay Cards is given on Annexure No.50 (P-236).

The house may review.AGENDA ITEM NO. 33

PROGRESS UNDER UPLOADING OF EQUITABLE MORTGAGES ON THE PORTAL OF CERSAI

Presently banks are uploading the position of Equitable Mortgage on the site of Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI). Bank wise progress as at September 2017 is given on Annexure No.51 (P-237).The representative from CERSAI is requested to apprise the members about the latest developments/information with regard to uploading of equitable mortgages by the bank branches.

The house may review.AGENDA ITEM NO. 34.1

HANDLOOM WEAVER MUDRA PORTAL


It was informed by NABARD, Haryana, Regional Office Chandigarh vide their e-mail dated 20th April, 2017 that the Office of Development Commissioner for Handlooms, Ministry of Textiles , GOI, Udyog Bhawan, New Delhi vide their Office Memorandum dated 30th June, 2017 have informed as under:--Guidelines regarding amendment in the scheme of Financial Assistance under Concessional Credit Component for Handloom Sector were issued by Ministry of Textile vide their Office memorandum (OM) No.6/2/99/DCH/16-17/DHDS/NIMRC dated 27th June, 2016 which states that “Concessional Credit Component for handloom Sector will now be available only through MUDRA Yojana for individual weaver entrepreneurs. The applications pending under WCC Scheme will be sanctioned upto 31.08.2016.”-It was clarified vide letter no. 6/2/99/DCH/16-17/DHDS/NIMRC (Part) dated 27th July, 2016 that “the commitments towards the margin money, interest subsidy and credit guarantee fee for already sanctioned WCC cases and the cases likely to be sanctioned within the notified time frame i.e. August, 2016 will be honoured by this office and funds will be provided through NABARD.”

-Vide OM No.9/1/2015/DCH/DHDS/MUDRA Scheme dated 14th June, 2017 it was intimated that “Handloom Weaver MUDRA Portal has been developed and will become operational for all participating banks by 01.04.2017. Participating banks will claim the financial assistance in terms of margin money, interest subvention and credit guarantee fee through this portal w.e.f. 01.04.2017.

The above communications have already been forwarded to all SLBC member banks for information and necessary compliance of the guidelines issued by Ministry of Textiles, GOI, New Delhi.

Keeping in view the above guidelines, the following procedure to be adopted for availing financial assistance under Concessional Credit Component for Handloom Sector:-

1. For loans sanctioned upto August, 2016 under Weaver Credit Card (WCC) Scheme, the claims to be submitted to NABARD.

2. For loans sanctioned after August, 2016 under Weaver Credit Card (WCC) Scheme, the claims to be lodged in “Handloom


Weaver MUDRA Portal.”

Further, it was also reiterated that the Weaver MUDRA Scheme is available only for handloom weavers. Banks should ensure that weavers’ identity card issued by the Office of Development Commissioner for Handlooms or State Government is invariably enclosed with the loan application. In case the handloom weaver does not possess weavers’ identity card, the same may be issued by the State Government subject to proper verification.

Controlling heads of banks/Department of Industries and Commerce, Haryana are requested to advise their field functionaries to ensure compliance of the above guidelines.


PROGESS UNDER WEAVER CREDIT CARD SCHEME DURING THE HALF YEAR ENDED SEPTEMBER, 2017

Progress under the scheme in 5 districts during the quarter ended September, 17 (2017-18) is as under:-

S.No

Name of the District

Cases Spons

d

Cases Sanctnd.

Cases Disb.

Cases Rej./Retd.

Cases Pending for

sanction

Cases pending for

Disb.1 Panipat 156 111 111 20 25 -2 Yamunanag

ar- - - - - -

3 Bhiwani - - - - - -4 Ambala - - - - - -5 Fatehabad

Total 156 111 111 20 25 -Bank wise/District wise progress is given on Annexure No.52 (P-238)The House may discuss.AGENDA ITEM NO.

RECOMMENDATIONS OF THE REPORTS OF THE COMMITTEE FOR STRENGHTENING THE


35 NEGOTIABLE WAREHOUSE RECEIPTS (NWRs) BY WDRA IN THE COUNTRY-DATA REPORTING BY BANKS TO SLBCs

Reserve Bank of India Central Office, Mumbai vide its communication dated 31st July, 2015 advised SLBC Conveners to monitor the progress of pledge financing against Negotiable Warehouse Receipts (NWRs) in the SLBC meetings and provide the data to LDMs for review in DCC/DLRC meetings. On the basis of information received from banks progress compiled by SLBC is as under:-

(AMT. RS. IN LACS)Institution Disbursement during

the H/Y ended Sept., 2017

Outstanding as at Sept., 2017

No. Of A/cs Amt. No. Of A/cs

Amt.

Public Sector Banks

169 36294 233 42383

Pvt. Sector Banks 4 328 2 205RRBs - - - -Coop.Banks - - - -Total 173 36621 235 42588

LDMs are also requested to monitor the progress in DCC/DLRC meetings of their respective districts.Bank wise/District wise progress is given on Annexure No. 53.1-53.2(P 239-240).The house may review.AGENDA ITEM NO. 36

NON-PAYMENT OF COMMISSION TO BANKS ON ACCOUNT OF DISBURSEMENT OF SOCIAL SECURITY PENSIONS & NON- SIGNING OF MOU BY SOCIAL JUSTICE & EMPOWERMENT DEPARTMENT, HARYANA

To plug the pilferage in disbursement of different types of Social Security pensions e.g. Old Age Pension, Widow Pension etc., in the year 2014, Govt. of Haryana decided to disburse the social security pensions in the State through Direct Benefit Transfer (DBT). Moving


forwarded in this direction, Govt. of Haryana asked the banks operating in the State to accomplish the task. A series of meetings were held in this regard. After working out the cost/expenses on services proposed to be provided by the banks, banks initially demanded minimum 3% commission but after a series of meetings banks agreed to work on 1.5% commission. It was decided by the Govt. of Haryana to pay commission @ 1.50% to banks for disbursement of social security pensions. On verbal consent of the Govt., the banks started the work and opened approximately 23 lakh accounts of pensioners and seeding their Aadhaar number by working day and night by the staff of their branches and BCAs and accomplished the task of uploading on the website of SJE Haryana in a very short span of time and started disbursement of SJE Pensions.

Later on SJE Haryana, informed that as Govt. of India has capped the payment of commission @1% with a cap of Rs. 10.00 per transaction, as such commission @ 1.50% can’t be paid but even commission @1% was also not paid to the banks by the department on account of the social security pensions of SJE Haryana disbursed by them.

Controlling heads of banks requested SLBC to take up the matter with the State Government to get the commission released @1% on account of disbursement of SJE pensions. SLBC took up the matter with ACS Finance and SJE Haryana with the submission that the banks are commercial organizations and they are also paying commission to their BCAs for disbursement of door to door pensions in addition to the other expenditure incurred by the banks in this regard. Several meetings were also convened by Dr.Rakesh Gupta, IAS, PSCM to resolve various issues related to SJE Department and banks including this issue but the same remained unresolved.

In this context a meeting was held with ACS Finance & Planning Department, Govt. of Haryana. During the deliberations, ACS Finance advised SLBC to convene a meeting of banks and produce the extra expenditure incurred - on disbursement of social security pension of Social Justice & Empowerment Department, Haryana within a week time to the Director, SJE so that any extra expenditure incurred by the banks due to disbursal of social security pension scheme may be


ascertained.

Accordingly, a meeting was held on 05.07.2017 where-in banks informed that they had incurred heavy expenditure by way of making payment to BCAs, spent almost 2-3 months of their valuable business hours for maintaining and monitoring the system for disbursement of pension on monthly basis but the Department has not paid the commission at already negotiated/agreed rate i.e. at the rate of 1.5% in spite of the discussions held in several meetings.

The major banks were advised to submit Cost Benefit Analysis (CBA) on account of expenditure incurred on disbursement of social security pensions. As such, CBA in respect of PNB, Sarva Haryana Gramin Bank, SBI, Syndicate Bank, Central Bank of India, Oriental Bank of Commerce and Canara Bank was submitted to the office of ACS, Finance, Haryana. From the CBA it was observed that on average cost per transaction was arrived from Rs.53.12-Rs.61.74.

Further, a meeting was again held on 27.07.2017 at Haryana Civil Secretariat under the Chairmanship of ACS (F&P). In the meeting, Chief Manager, SLBC provided a background of the social security pension and the methodology adopted by the bankers for opening account of beneficiaries under Social Security Schemes in a campaign mode and submitted that the commission which was agreed to be paid to bankers is not being paid on regular basis.

After a long deliberations on the issue in the meeting, it was decided that commission @ 1% subject to minimum of Rs 5 and maximum of Rs 10 as approved by Hon’ble FM on 16.02.2016 will be payable to banks till May 2017. Thereafter from June 2017 a commission of 1% subject to a maximum of Rs 16 per transaction would be payable to banks.

As such it is submitted that the commission on the amount disbursed by banks as social security pensions in the State of Haryana may please be paid to the banks by clearing their dues upto 30th Sept., 2017 at the earliest.All this could not have been done, had the banks and Social Justice &


Empowerment Department, Haryana entered into MOU before start of the work of disbursement of social security pensions.Although, MOU finalized with the consent of member banks was sent to the Department in the month of May, 2017 but the same has not been finalized by the department as yet. Hence the same could not been signed by the stakeholders. It requested that MOU be finalized in order to avoid all ambiguities in future and for smooth banking operations with regard to disbursement of social security pensions. The representative of Social Justice & Empowerment Department, Haryana may apprise the house in this regard.AGENDA ITEM NO. 37

APPOINTMENT OF INDEPENDENT DISTRICT COORDINATORS (DCOs) BY BANKS

During the 141st Meeting of SLBC Haryana held on 11.08.2017 Shri D.S.Dhesi, IAS, Chief Secretary, Haryana and the Chief Guest of the meeting advised the controlling heads of banks to provide list of their DCOs to SLBC Haryana but no bank except IDBI Bank has provided the list of their DCOs to SLBC Haryana Secretariat during the quarter.

The following major banks have not provided the list of their District Coordinators to SLBC Secretariat:-

1. Andhra Bank 2. Bank of India 3. UCO Bank 4. Vijaya Bank 5. Federal Bank 6. HDFC Bank 7. ICICI Bank 8. Indusind Bank 9. Kotak Mahindra Bank and 10 Yes Bank.

Controlling heads of the above said banks are requested to ensure that details of DCOs are provided to SLBC Secretariat as DCO is an important link between a bank and the Lead District Manager.

Controlling heads of banks are also requested to ensure that Independent DCOs are appointed and Branch Managers are not designated as DCO.

While collecting the SLBC Data from LDMs for the quarter ended Sept., 2017, LDMs informed that DCOs of State Bank of India of NCR Region didn’t provide the data relating to the branches of erstwhile associate banks of SBI to their respective LDMOs completely and well in time.


Representative of State Bank of India is once again requested to get the necessary instructions to all DCOs of their bank to cooperate the LDMs in all the matters including submission of SLBC and other meetings data complete and well in time in future.


AGENDA ITEM NO. 38

ANY OTHER ISSUE WITH THE PERMISSION OF THE CHAIR

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ITEMS FOR INFORMATION ONLY

AGENDA ITEM NO. 39

FARMERS’ CLUBS FORMED BY BANKS

Banks have formed Farmers 2654 Clubs up to September 2017 and its institution wise break up is given below:-

Institution No of clubsCommercial banks 523SHGB 1235Central Cooperative banks 708


PCARDBs 188Total 2654

All Banks are requested to form more such clubs and create awareness amongst farmers about the banking facilities and help them in becoming knowledgeable farmers. This will also help in bankers’ drive towards Complete Financial Inclusion.Lead District Managers are also requested to seek the help of Farmers’ Clubs in their district for recovery of bank dues, coverage of all the eligible non-defaulter willing farmers under KCC as also making the farmers aware of the benefits of Agriculture Insurance Schemes of NAIS and Pradhan Mantri Jan-Dhan Yojana, Swachh Bharat Abhiyan and Beti Bachao and Beti Padhao being implemented, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, Pradhan Mantri MUDRA Yojana and Stand Up India Scheme in the State.

AGENDA ITEM NO. 40

LOANS GRANTED TO DISABLED PERSONS AT NHFDC RATE UNDER TIE UP ARRANGEMENT

NHFDC functions as an apex institute for promoting economic development activities and self employment venture for the benefit of Persons with Disabilities (PWDs). The fund is channelized through State Channelizing Agencies (SCA) nominated by the respective state/ UT Government(s). NHFDC also provides grants for skill training of disabled persons. The detailed information on schemes and programmes of NHFDC is available on website www.nhfdc.nic.in.

With a view to make this segment of population economically independent in the state of Haryana, NHFDC has tied up with Sarva Haryana Gramin Bank and Haryana Gramin Bank for flow of collateral free concessional credit (interest rate of 4-8%p.a) to PWDs for self employment under credit guarantee scheme of Government of India. The bank will also extend education loan to eligible students with disabilities for higher education in India and abroad at an interest rate of 3.5-4% p.a only. The entire loan extended to PWDs for above purpose shall be refinanced by NHFDC to the concerned bank. Also the partner Banks will be able to earn 3% interest margin on above loans extended to PWDs.


http://www.nhfdc.nic.in/

Any Bank interested to sign agreement with NHFDC for flow of concessional credit to PWDs may contact the office of Ministry of Social Justice and Empowerment, Govt. of India, Shastri Bhawan, New Delhi. From the data, it is observed that banks have disbursed Rs. 537 Lac to 359borrowers during the year ended September 2017.

(Amt. Rs. in Lac)During the period ended September

17 Sanctioned Disbursed

A/c Amt. A/c Amt.357 594 359 537

Bank wise information on flow of credit to disabled persons is given on Annexure No. 54 (P-241).

AGENDA ITEM NO. 41

SWAROZGAR CREDIT CARD SCHEME (SCC) – NODAL AGENCY: NABARD

The matter for allocation of targets under Swarozgar Credit Card Scheme for the financial year 2017-18 was taken up with NABARD, Regional Office, Chandigarh. It has been informed by NABARD Regional Office, Haryana that the scheme is under review and the targets shall be intimated at a later stage.The progress achieved in implementing Swarozgar Credit Card Scheme up to the period ended September 2017 reveals that 2070 Swarozgar Credit Cards have been issued. Member Banks are requested to issue necessary instructions to their branches to improve the progress under the scheme so that targets allocated by NABARD could be achieved. However, target allocated during the previous year i.e. 25000 has been placed in the annexure. NABARD, Regional Office, Haryana is requested to convey the targets for the FY 2017-18 to SLBC Haryana Secretariat for onward communication to the member banks.


Bank wise Achievement vis-à-vis target during the quarter ended September 2017 (2017-18) has been given in Annexure No. 55 (P-242).

AGENDA ITEM NO. 42

PERFORMANCE IN IMPLEMENTATION OF NAYAK COMMITTEE NORMS

During the current financial year upto 30.09.2017, Banks have sanctioned working capital limits to 6601 small manufacturing units amounting to Rs.864.67 Crore out of which 6570 small manufacturing units with working capital limits amounting to Rs.852.19 Crore were sanctioned as per Nayak Committee Norms. Thus, banks have sanctioned 99% cases as per Nayak Committee Norms during the period under review. Bank-wise data is given in Annexure No. 56 (P-243)

AGENDA ITEM NO. 43

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME OF NATIONAL HOUSING BANK

The comparative position under the scheme is as under: (Amt. Rs. in Crore)

Period Disbursements SC/ST ShareA/cs Amt. A/cs % age to

total no.September 2015 1263 45 169 13%September 2016 1292 91 188 14%September 2017 1247 116 168 13%During the period ended September 2017, banks have disbursed loans amounting to Rs.116.41 Crore to 1247 beneficiaries as compared to Rs.91 Crore disbursed to 1292 beneficiaries during same period of last year. Out of 1247 beneficiaries, the share of SC/ ST is 13.47%. Controlling heads of banks are requested to further increase the credit disbursement under this sector as loans are fully secured and percentage of Recovery is also satisfactory. As per the guidelines, banks should include all the housing loans made in rural areas under this scheme irrespective of the amount of loan advanced.The data provided by Banks is given in Annexure No.57 (P-244). AGENDA ITEM NO. 44

GENERAL PURPOSE CREDIT CARD SCHEME (GCC)


Banks have issued 207808 cards amounting to Rs.384010 Lacs upto 30.09.2017 since inception of the scheme. Since there is great thrust of Department of Financial Services, MOF, GOI and RBI on total Financial Inclusion, banks are requested to issue maximum number of GCCs to the people in the Rural Area having no land to start their income generating activity. Bankwise progress is given in Annexure No. 58 (P-245)AGENDA ITEM NO. 45.1

GOVERNMENT SPONSORED SCHEMES BEING IMPLEMENTED THROUGH NABARD

NABARD has been implementing various Centrally Sponsored Subsidy Schemes for passing on Subsidy to the beneficiaries financed by the participating banks.The details of the capital subsidy sanctioned under different Govt. Sponsored Schemes during the half year ended September 2017 (2017-18) in the State of Haryana are as under:-

Name of Scheme No. of Proposals

Amount Sanctioned During the FY 2017-18

(Rs. lakh)

Amount Disb.During the FY 2017-18

( Rs. lakh)Advance SubsidyCISS - Rural Godowns 1084.378CISS-ISAM 425.287Subtotal : 1509.665Final/OT SubsidyCISS - Rural GodownsCISS-ISAMCISS - Cold StorageCLCSSACABC 3 11.699DEDS 85 86.429CSS - AH SchemePVCF (Subsidy) JNNSM#Solar Pump Set SchemeNPOF 33.00Sub Total 92 130.453 33.00


Grand Total 92 130.453 1542.665This is for the information of House.AGENDA ITEM NO. 45.2

Financing of Rural Godowns

Upto the period ended September 2017, banks in the State of Haryana have financed 504 Rural Godowns amounting to Rs.804.42 crore, of which 225 Godowns amounting to Rs.139.75 crore have been sponsored by NABARD and remaining 279 involving Rs.664.67 crore have been directly financed by banks.Bankwise progress is given on Annexure No. 59 (P-246)

AGENDA ITEM NO. 46

SANCTION OF LOANS BY BANKS TO TRAINED CANDIDATES UNDER THE CENTRAL SECTOR SCHEME “ ESTABLISHMENT OF AGRI-CLINIC & AGRI- BUSINESS CENTRES”(ACABC)

Upto the period ended September 2017, banks have financed 68 Agri-Clinics and Agri- Business Centres amounting to Rs.425 lakh. Bank wise progress is given on Annexure No.60 (P-247)The Controlling Heads of the banks are requested to advise their branches in the state to clear the pendency to facilitate the trained candidates to establish Agri-Ventures by availing bank loan. LDMs are also requested to review the progress of financing under ACABC to trained students in DLRC meetings.AGENDA ITEM NO. 47

ARTISANS CREDIT CARD SCHEME (ACCs)

During the half year ended September 2017, banks have issued 638 Artisan Credit cards amounting to Rs.102 lac. The cumulative progress under ACC scheme since its inception is 8803 cards amounting to Rs.4292 Lakh of which 204 cards are covered under CGTMSE with an amount of Rs.185 lac. Major participating banks in the scheme are PNB (2598), HARCO Bank (2732), SBI (2352), Syndicate Bank (405), Bank of India (183), Bank of Baroda (134) and UCO Bank (92).Bank-wise position is given at Annexure No. 61 (P-248)


AGENDA ITEM NO. 48

PROGRESS OF CASES FILED UNDER LOK ADALATS

It is observed that upto the period ended September 2017, 39497 cases involving Rs.167722 Lac were filed before the Lok Adalats out of which 2398 cases amounting to Rs.2316 Lac were settled.Bank wise data is given on Annexure No.62 (P-249). AGENDA ITEM NO. 49

CREDIT FACILITIES GRANTED TO EX-SERVICEMEN AND WIDOWS OF EX-SERVICEMEN

Bank-wise and district-wise data is given on Annexure No.63.1-63.2 (250-251).

AGENDA ITEM NO. 50

POSITION OF ATMs INSTALLED BY BANKS IN THE STATE OF HARYANA

Area Category

ATMs as at March

2017

ATMs installed during the H/Yended Sept.,

2017

ATMs closed during the

H/Yended Sept.,

2017

ATMs as at

September 2017

Rural 1031 49 163 917Semi-Urban 1620 76 126 1570Urban 3733 225 205 3753Total 6384 350 494 6240Bank wise position is given on Annexure No. 64 (P-252).

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