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CONVENER: STATE LEVEL BANKERS’ COMMITTEE, HARYANA

MINUTES OF 146th MEETING OF SLBC HARYANA

The 146th meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended September 2018 (FY 2018-19) was held on 15.11.2018 at Hotel Shivalik View, Sector 17, Chandigarh. Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt of Haryana was the Chief Guest and Shri L V Prabhakar, Executive Director, PNB, presided over the meeting. Shri Sunil Gulati, IAS, ACS, Animal Husbandry & Dairying, Haryana; Shri T C Gupta, IAS, Additional Chief Secretary, Employment & Skill Development, Haryana; Shri Ashok Sangwan, IAS, Director, Industries & Commerce Deptt., Haryana; Ms Bhawna Garg, IAS, Deputy-Director General, UIDAI; Shri Manish Gupta, Director, DFS, MoF, GoI, New Delhi, Ms Rachna Dikshit, Regional Director, RBI, Chandigarh; Shri D K Kapila, General Manager, NABARD, Regional Office, Haryana; Shri B S Raina, General Manager, PS&FI Division, PNB, Head Office, New Delhi; Shri Alok Srivastava, Zonal Manager, Punjab National Bank, Haryana Zone & Convener, State Level Bankers’ Committee, Haryana; Ms Kiran Lekha Walia, Financial Advisor, IF&CC, Govt of Haryana; Senior Officers of State Govt, Controlling Heads of Banks operating in the State of Haryana and media persons were amongst those present in the meeting.

List of participants is annexed.

At the outset, Shri Alok Srivastava, Zonal Manager, PNB, Haryana Zone and Convener SLBC Haryana extended warm welcome to Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt of Haryana-Chief Guest; Shri L V Prabhakar, Executive Director, PNB, Chairman of the meeting, dignitaries on dais and other distinguished members present in the meeting. He informed that in the present meeting besides others, the following important issues would be taken up for discussion:

Promotion of BHIM app and RuPay Card by every bank branch Recent modifications in PMJDY

Minutes of 146th meeting of SLBC Haryana held on 15.11.2018

Progress on implementation of PMJDY, 3 Social Security Schemes namely PMJJBY, PMSBY and APY

Effective implementation of Pradhan Mantri Mudra Yojana (PMMY) & Stand-up India Scheme

Progress under opening of FLCs and RSETIs in Haryana Recovery of Priority Sector Advances & Govt Sponsored Schemes Achievement of target in digital transactions by banks Aadhaar and mobile seeding Implementation of Prime Minister Fasal Bima Yojana (PMFBY) PMEGP, NRLM, NULM, HSCFDC, other Govt. Sponsored schemes Performance of banks under digital transactions Review of Banks’ performance in other key areas, national goals

etc. Performance of banks in achievement of Annual Credit Plan for

the period ended September 2018 (FY 2018-19) and other important issues concerning banks and various State Govt Deptts.

The Convener SLBC informed the house that as per RBI circular dated 06.04.2018 on revamped Lead Bank Scheme, 3 sub committees to SLBC and 1 steering committee were constituted and got approved in 145th meeting of SLBC Haryana held on 16.08.2018. He further informed that meetings of 3 Sub Committees to SLBC Haryana were convened on 25.10.2018 and 26.10.2018 respectively whereas the meeting of steering committee to SLBC Haryana was convened on 31.10.2018. In sub-committee meetings, all related issues were discussed at length so that action could be initiated timely by concerned agencies in order to achieve the targets under the schemes. It was decided in Sub-Committee meeting on Govt. sponsored programmes that a monthly certificate from Controlling Offices of each bank will be obtained that no application under any Govt Sponsored programme is pending in their branches for a period of more than 30 days. The certificate in this regard will be submitted by the Controlling Office of each bank on monthly basis by 10th of the succeeding month and accordingly, the certificate for the month of November 2018 should reach SLBC Secretariat by 10th December, 2018.

The Convener SLBC also informed that progress under PMAY was recently reviewed by Additional Chief Secretary, Finance & Planning, Govt of Haryana and necessary instructions with regard to formation of Task Force Committee at district level will be given to all DCs/LDMs/CEO, MC as in other Govt. Schemes like PMEGP, comprising


of Commissioner, Municipal Corporation and Additional Deputy Commissioner in case of Municipal Council/Committee, Executive Officer, Secretary, LDM and 2 representatives of the banks. The committee will analyze the eligibility of the applicants as per the scheme on the basis of details of applicants to be provided by the Department of Urban Local Bodies and list of eligible applicants will be sent to the respective LDMs for further allocating to banks.

Shri Alok Srivastava conveyed thanks to Additional Chief Secretary, Finance & Planning; Director, Department of Social Justice & Empowerment, Haryana for resolving pending issue of payment of commission to banks in the specially convened meeting on 5th

November, 2018, which is a Diwali Gift to the bankers. As per decision taken in the meeting, all banks will get 90% of their pending commission on the basis of their claim for commission and MIS-I & II submitted by them to the Department of Social Justice & Empowerment by 30th November, 2018. However, the Convener SLBC expressed his doubt about the deadline for payment by the concerned department, as earlier also they had not met their commitments.

While concluding, the Convener SLBC desired for active participation of all members so that there is fruitful discussion on various agenda items which would help in further socio-economic development of economy of the State.

ACTION: BANKS/LDMs/IF&CC/SUDA/STATE GOVT/SLBC

Shri L V Prabhakar, Executive Director, PNB & Chairman SLBC, while delivering his keynote address welcomed Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt of Haryana alongwith all dignitaries on the dais, media and all other members of SLBC. He dwelt upon the significant developments which took place recently on banking and economy.

The Chairman SLBC informed that Hon’ble Prime Minister of India on 2nd

November, 2018 announced 12 Point initiative/measures for small & medium enterprises, including “In Principal Sanction” of loans upto Rs 1 Crore in 59 minutes through a new portal, relaxed labour laws and easier compliance with environment laws, to give boost to India’s 2nd

biggest employment generating sector after agriculture. He also informed that the Govt will run an outreach programme for 100 days to take the scheme to the entire country to address issue of access of credit, high cost of credit, timely payments, access to market & ease of processes & compliance. GST registered MSMEs will get 2% interest Minutes of 146th meeting of SLBC Haryana held on 15.11.2018

subvention or rebate on incremental new loans of upto Rs. 1 Crore. Interest Subvention on pre-shipment & post-shipment credit for exports by MSME stands increased from 3% to 5%. He also informed that Public Sector Companies will now source at-least 25% of their requirement from MSMEs against 20% earlier and within that 3% would have to be done from units run by women. All central Public Sector Enterprises will have to join the Government’s e-Market place (GeM) to facilitate online procurement of common use goods & services by various Government Departments & Organizations. So far, more than 1.5 lakh suppliers have registered with GeM, including 40,000 MSMEs. All companies with turnover more than Rs 500 crore would have to now come on Trade Receivables e-Discounting system (TReDS) platform, so that there is no cash flow problem for MSMEs. Inspector visit to factories in the sector will be sanctioned only through computerized random allotment and inspectors will have to upload reports on the portal within 48 hours.

The Chairman SLBC further informed that India’s economy is sustaining its good growth amongst fastest economies of the world for the last so many years consequent upon good decisions being taken by the Govt on various quarters. Recently, India jumped by 23 notches in the World Bank’s Ease of Doing Business ranking to 77th place, becoming the top ranked country in South Asia for the first time and 3rd among the BRICS nations. In the last 2 years, the country has climbed 53 notches. China and India – two of the World’s largest economies are among the 10 top improvers. Ease of Doing Business is to maximize the governance with minimum Govt. personnel and procedures. India’s ranking is an indication of collective work between various ministries of Govt of India and also the State and the Central Govt. work in-tandem. He expressed happiness that the State of Haryana has obtained No.1 position in Ease of Doing Business in North India and 3rd in the country.

While referring to performance of digital transactions in the State of Haryana, the Chairman SLBC expressed hope that in the festive season digital transactions will increase during third quarter and during this financial year the target of digital transactions will also be surpassed.

The Chairman also apprised the house about achievements of banks in the State of Haryana under various flagship schemes run by Govt:-

Under PMJDY upto 30.09.2018, 66,23,690 accounts were opened out of which 30,96,449 accounts of women were opened. Out of


these, RuPay Cards were issued in 60,25,424 accounts out of which 86% cards were activated and a sum of Rs 2268 crore was mobilized by banks in PMJDY accounts.

As at 30.09.2018 banks in the State enrolled 28,84,434 persons in Pradhan Mantri Suraksha Bima Yojana (PMSBY), 8,98,290 persons in Jeevan Jyoti Bima Yojana (PMJJBY) and 2,43,250 persons in Atal Pension Yojana (APY).

Under Pradhan Mantri Mudra Yojana (PMMY), during the period from 1st April 2018 to 30th Sept., 2018, the banks in Haryana sanctioned a sum of Rs 1494 crore in 1,46,947 accounts.

Under Stand Up India scheme during the review period i.e. from 1st April 2018 to 30th Sept., 2018, banks sanctioned loans of Rs 57.52 crore to 292 beneficiaries, out of which 66 cases amounting to Rs 11.89 crore were sanctioned to SC/ST categories and 226 cases amounting to Rs 45.62 crores to women beneficiaries in the State of Haryana.

Lauding the achievement of banking system in the State, the Chairman-SLBC appreciated the role of banks in achieving all National Goals as on 30.09.2018, except Export Credit. During the period under review i.e. from September 2017 to September 2018, he highlighted the major parameters as under:-

60 New branches were opened by commercial banks and RRBs in Haryana thus raising the total number of branches to 4768.

Total Deposits of commercial banks/RRBs in Haryana increased by Rs 43,068 crores from Rs 3,19,469 crores to Rs 3,62,537 crores showing YoY growth of 13.5%.

Total Advances during the review period increased from Rs 2,10,193 crores to Rs 2,51,015 crores registering YoY growth of 19.4%.

Priority Sector Advances increased upto Rs 1,34,920 crores with 12% YoY growth. The achievement of National Goal under Priority Sector was 64% against the target of 40%.

Agriculture Advances increased to Rs 50,399 crores exhibiting YoY growth of 3%. The achievement of National Goal under Agriculture Sector as at Sept 2018 was 24% against the target of 18%.

Under Annual Credit Plan 2018-19, achievement of banks under Agri Sector remained at 81%, under MSMEs at 125% and under Other Priority Sector at 70% and over-all achievement of ACP remained at 89%.


The Chairman SLBC also congratulated all 22 LDMs of the State for doing excellent work in achieving saturation in all 235 villages in the state in PMJDY, PMSBY & PMJJBY during Gram Swaraj Abhiyan launched from 14.04.2018 to 05.05.2018. He also congratulated LDM Mewat for saturating all 299 villages during Extended Gram Swaraj Abhiyan, which was launched in aspirational districts from 01.07.2018 to 15.08.2018, for achieving saturation in PMJDY, PMSBY and PMJJBY Schemes.

The Chairman SLBC also raised the issue of increase in stamp duty by State Govt recently and felt that stamp duty on loan agreement, which stands increased from Rs 10/- to Rs 2000/- for small loans given to poor strata of the society, rural masses, farmer community, SHGs, JLGs, DRI loans, Education loan etc, was on very high side. He requested State Govt to consider revision on stamp duty on loan documents to be given to the weaker sector, priority sector & agriculture sector.

The Chairman SLBC also expressed concern over the incident that took place in Bhiwani where Asstt. General Manager and Manager of SBI, when they went for recovery, were misbehaved, beaten and forcibly captured in their house by the borrower and his family members. He requested State Govt authorities to initiate stern action against such defaulters.

The Chairman, while concluding, assured the State Government, Ministry of Finance, Govt. of India, Reserve Bank of India and other stakeholders of full cooperation from banking fraternity towards strengthening and uplifting the socio-economic conditions of the people of the State.

ACTION: BANKS/LDMs/STATE GOVT/SLBC

Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt of Haryana, complimented the role played by banks in implementation of various flagship schemes of the Government and appreciated the efforts put in by banks.

He shared the figures of State GDP which increased from Rs.3.99 lakh crore in 2014-15 to Rs 6.80 lakh crore. Similarly, per capita income increased from Rs 1.34 lakh in 2014-15 to Rs 2.17 lakh as on date (calculated by Central Statistical Organization). These statistics clearly speak of robust economic growth in the State which could have been possible only due excellent work done by State Govt, Banks and Minutes of 146th meeting of SLBC Haryana held on 15.11.2018

Reserve Bank of India. He informed that the phenomenal increase in GDP and per capita income is a healthy sign and thanked bankers for the important role played by them, which is also evident from the figures of achievement of National Goals like CD ratio at 69%, agriculture advances at 24% of total advances against National Goal of 18%, advances to weaker sector 14% against National Goal of 10%, advances to small and marginal farmers 10% against the target of 8%, but export credit at 0.15% remained a cause of concern. Advances to micro enterprises have increased to 12% from 11% but there is still lot of scope of improvement. While apprising about the relationship of credit dispensation & growth in GDP he mentioned that if export credit and credit dispensation to various economic entities is increased it will increase GDP of the State which will result into opening of more schools, hospitals and providing more basic amenities for the residents of the State. He further informed that necessary instructions have been issued to Department of Agriculture & Farmers’ Welfare to improve standards of Basmati so as to increase its export and open more opportunities for banks to increase export credit. He also said that out of two cars and two wheelers manufactured in the country, one each is being manufactured in Haryana, this is good achievement for the State. He stressed that employment opportunities are to be increased in proportion to the capital formation in the State which can be achieved by providing self-employment opportunities to skilled youth by providing them credit facilities for which banks can play major role.

He also informed that State Govt has compiled family data of one lac families and one bank branch in each district will be identified which will be given list of 1000 such families. The Bank Manager will understand the financial requirements of the family and will meet need-based credit requirements of the family.

Regarding release of commission to banks on account of disbursement of social security pension, he informed that the Department of Social Justice & Empowerment will be releasing 90% of the commission where MIS has been submitted by the end of November this year and also stressed that MoU be got signed by all banks at the earliest including ‘seamless transfer of funds without any manual intervention and shifting’ of data from server to server’ clause.


Shri Prasad also assured Bankers that stern action will be taken against all those who are involved in unpleasant incident which took place in Bhiwani. While concluding, Shri Prasad advised banks and concerned State Govt Departments to continue to work in a coordinated manner for achieving new milestones.


Shri Sunil Gulati, IAS, Additional Chief Secretary, Animal Husbandry & Dairying Govt of Haryana, informed that with the reducing land size farmers should look for other allied activities like dairy products so as to increase their income. He informed the house about salient features of schemes being promoted by their Department like high-tech dairy units, hi-tech and mini dairy units, piggery, sheep & goat units and poultry units. He called upon bankers to come forward to finance these projects which will not only help in increasing investment credit for banks but will also help farmers in doubling their income. To promote these schemes, their Department is giving interest subsidy to farmers. He, however, advised that bankers should not insist for projects reports, CA certificates for small loans. He also highlighted schemes which are being promoted by their Department like bio-gas plant from waste of poultry birds, milk chakkies where-in farmer can invest upto Rs 10.50 lakh for manufacturing of all milk products, micro milk processing units, milk packaging units, milk chiller machines etc.

Shri Gulati also suggested that banks should come with an innovative scheme like issuing of Credit Card having limit upto the value of their livestock, enabling farmer to purchase seeds, fodder etc from market so as to be beneficial for farmers.

The Convener SLBC assured that necessary instructions will be imparted to all banks to make these schemes successful. He also endorsed the idea given by Shri Gulati regarding issue of Credit Card having limit upto the value of their live-stock will be examined.

ACTION: BANKS/LDMs

In his address, Shri T C Gupta, IAS, Additional Chief Secretary, Employment & Skill Development, Govt of Haryana informed that Hon’ble Prime Minister launched a Scheme called ‘Pradhan Mantri Kaushal Rin Yojana’ which has been adopted by most of the banks,


but it has been observed that loans are not being extended by bankers in Haryana under this Scheme because of which students desirous of learning/acquiring higher level skills or want to undergo any skill development course and require loan under the scheme were facing problems. He informed that Govt of Haryana through Haryana State Development Mission had empanelled a Centre of Excellence (CoE) set up by Primordial Systems at Gurugram and a target of skilling of 1,000 persons during 2018-19 has been fixed by Govt of Haryana. He mentioned that banks should extend skill loans to willing candidates in accordance with the spirit of the scheme especially in Gurugram district to make the experiment of CoE a success. He noted with concern that only 17 loans were sanctioned by PNB in Gurugram under the Scheme. He further informed that after constant follow-up with SBI, the concerned officials from SBI informed that they are in the process of nominating one branch to sanction these loans whereas Syndicate Bank has rejected the cases on the ground that these courses are not approved by AICTE. He advised controlling heads of all banks to ensure to achieve modest target of 1,000 cases by the end of this financial year. He also shared that this loan is part of Education Loan and NPA percentage of Education Loan remains on lower side.

While referring to achievement of banks under Pradhan Mantri Mudra Yojana (PMMY), he noted with concern that total number of loans sanctioned under MUDRA, maximum number of loans have been sanctioned by private sector banks and so achievement of public sector banks under the scheme is on lower side. He was of the opinion that SLBC Haryana to compile and incorporate figures of NPA under Mudra for better analysis in SLBC Meetings.

He also informed that under Saksham Yuva scheme of Govt of Haryana, postgraduates and graduates are being paid unemployment allowance and their services can be utilized by any Govt Department free-of-cost and advised bankers/Govt Departments to avail of their services for conducting survey or for helping in recovery etc. He requested FLCs to conduct training programmes for these Saksham youths and to provide financial assistance to set up their business ventures.

He also advised that top three banks be honoured suitably in SLBC meetings on the basis of their performance as merely issuing directions to controlling heads may not become a ritual.


ACTION: ALL BANKS/LDMs/DEPTT. OF E & SIC, HARYANA

Ms Bhawna Garg, IAS, Deputy Director General, UIDAI, while addressing the house informed Haryana State is No. 2, after New Delhi, in achieving saturation in issuing of Aadhaar Cards and now only updation work is to be done. She further informed that in October 2018, 2 lakh updations and 88,000 new enrolments were done in Haryana out of which 29% of total enrolments have been done by banks.

She informed that Aadhaar Enrolment & Updation Centres (AECs) in 1 out of 10 bank branches are required to be set up. She also informed that 472 AECs are required to be set up in bank branches as number of branches as on 30.09.2018 is 4768. She noted that so far 131 Centres were yet to be opened and 24 AECs are with zero enrolment in last 30 days. The average enrolments done by banks are 7 where-as from November 2018, 8 enrolments are mandatory in every AEC and from January 2019 onwards 12 enrolments will be mandatory.

She also stated that enrolment machine should be in the bank custody overnight otherwise there is provision of penalty of Rs 1 lakh per instance. In Haryana, complaints of over-charging and denial of service are being received by them, which can be avoided by banks.

ACTION: BANKS/LDMs/SLBC

Shri Ashok Sangwan, IAS, Director, Industries & Commerce, Govt of Haryana, while addressing the house congratulated bankers for achieving targets under PMEGP by 110% during last financial year. He called upon bankers to increase the pace of disposal of pending cases so that target under PMEGP is achieved during the current financial year as well.

He also noted that performance under MSME advances is also satisfactory. He informed that Hon’ble Prime Minister has launched psbloansin59minutes portal in 100 districts in the country and 4 districts (Faridabad, Gurugram, Panipat and Sonipat) in Haryana have been identified. He stressed the need to evolve mechanism to give access of portal to Deptt. Of Industries, State Govt.,so as to involve State Govt authorities also for better and effective monitoring of the scheme.


While replying, Shri Rahul Priyadarshi, General Manager, SIDBI informed that the portal psbloansin59minutes is being maintained by their Mumbai office and assured that the issue will be taken up with their Central Office for effective monitoring by State Govt also.

ACTION: ALL BANKS/SIDBI While delivering her keynote address Ms Rachna Dikshit, Regional Director, Reserve Bank of India welcomed Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt of Haryana, Sh. L.V. Prabhakar ED, PNB alongwith all dignitaries on the dais, media and all other members of SLBC. She informed that complete & inclusive development of State is possible only through financial inclusion & financial literacy in Haryana and many Bank Officers working in Haryana are being imparted training on Financial Inclusion at RBI Training Centre based at Pune. RBI is undertaking the FI & FLC campaigns at a larger way through Banks & LDMs. While referring to State financials, she appreciated the role of banks in growth in deposits, advances, advances to priority sector, advances to agriculture and in having met all national goals. She advised LDMs of districts with CD ratio below State average to analyse and improve CD ratio of their respective district. She, however, expressed that bankers should lend more under Debt Swap Scheme to eligible farmers.

While referring to progress of brick & mortar branches in villages having population more than 5000, she expressed pleasure that out of 194, 125 bank branches/banking outlets have been opened in these villages and advised banks to open bank branches/banking outlets in the remaining villages at the earliest.

She advised bankers to pay due diligence while sanctioning loans as NPA percentage under Agriculture remained at 9%, under MSME at 8% and under MSME collateral free at 10%. She quoted two circulars issued by Reserve Bank of India recently. First, in case of any natural calamities, bankers should be geared up to help the affected people. Second, about co-origination of loans between bank and NBFCs as Priority Sector loans.

While concluding, she was confident that banks would continue to provide adequate and timely credit to all bankable projects and play their role in overall socio-economic development of State of Haryana.


ACTION: ALL BANKS

Shri Manish Gupta, Director, Department of Financial Services, Ministry of Finance, Govt of India appreciated the pro-active role played by State Govt bureaucracy in over-all development of the State and advised bankers to make good use of the available opportunity.

He expressed with happiness that performance of Haryana State vis-à-vis other States of the country is far better in various parameters, but in some areas like in Pradhan Mantri Mudra Yojana (PMMY) there is urgent need for improvement. In mobile seeding, Haryana is slightly above average but behind Kerala and Maharashtra and advised controlling heads of all banks to make efforts in this direction also and ensure to achieve 100% mobile seeding.

He noted with concern that increase in number of RuPay Cards issued was not in commensurate with number of PMJDY accounts opened, which means that RuPay Cards are not being issued and got activated in all new PMJDY accounts. He advised bankers to meticulously follow instructions of the Government that RuPay Cards should be issued and got activated in all new PMJDY accounts.

He also noted that claim cases under PMJDY and Social Security Schemes were pending for more than 3 months which is a matter of serious concern and advised SLBC to convene a separate meeting with insurance companies to get the pendency cleared.

ACTION: ALL BANKS/SLBC Shri D K Kapila, General Manager, NABARD, Regional Office Haryana, while speaking on the occasion, complemented all the banks for achievement under various parameters. He congratulated bankers for achievement under Annual Credit Plan by 89% for the period ended September 2018. He, however, noted with concern that achievement of banks under Agriculture Investment Credit remained only at 26% of the total agriculture sector. He laid emphasis on providing loans to farmers to facilitate capital formation/asset creation in the field of agriculture.

Shri Kapila informed the house that the Background Notes alongwith projection of potentials estimated in the Potential Linked Plans (PLPs) for all the districts have been provided to the LDMs.


As regards Financial Inclusion in the State of Haryana, while expressing happiness on opening of 66.24 lakh accounts under PMJDY till Sept 2018, out of which around 60.25 lakhs accounts RuPay Cards have been issued, he requested the SLBC to include the monitoring of RuPay Kisan Cards also. He advised banks to increase activation of RuPay Kisan cards, as well.

He informed about the clause in respect of FLCs sanctioned by NABARD that FLCs will be maintained even after completion of support from NABARD and asked the LDMs to ascertain that all FLCs sanctioned by NABARD are functional even after the grant period is over. NABARD HO has sanctioned camps for financial literacy directly to SBI, OBC, UCO Bank & Allahabad Bank. In case any bank as of now organizes camps from this sanction, NABARD Haryana Regional Office be informed accordingly. He requested Oriental Bank of Commerce to avail assistance for Aadhaar Enrolment Centre. As regards holding of Financial Literacy Camps ie. one camp per rural branch per month, 1449 camps has been sanctioned by NABARD to Commercial Banks and SHGB for holding camp under Financial Literacy Programme.

Under micro credit initiatives, GM informed that NABARD has taken up the digitization of SHGs to ensure proper accounting, transparency in transactions and increase comfort level of bankers for financing SHGs. Currently, in E-Shakti districts, all records of SHGs viz. saving, internal loaning and transactions with banks etc are being uploaded through E-Shakti Mobile App on a real time basis. However, out of total 4206 digitized SHGs, only 52 percent have been credit linked. He solicited the intervention of SLBC in ensuring continued cooperation in credit linkage of the SHGs.

GM, NABARD reiterated on the Area Development Scheme (ADS) for Commercial dairy prepared for the State as a whole for 22 districts along with the banking plan wherein a target for financing of 550 units amounting to Rs 207 crore was finalized for 5 years i.e. 2018-19 to 2022-23. Further, NABARD had also formulated 44 district specific Area development schemes (2 per district) covering eight activities to boost the term lending portfolio in the state. Under the scheme a target for financing of 58,688 units amounting to Rs.1573 crore has been finalized for 5 years i.e. 2018-19 to 2022-23. The implementation of the ADS including credit off-take is to be monitored regularly in the meeting of DCC/DLRC/SLBC. He requested the LDMs & Animal


Husbandry & Veterinary Department to take pro active role for smooth implementation of the programme, especially as regards the Commercial Dairy Project.

During the discussion on RSETIs, Shri Kapila mentioned that NABARD provides grant support to RUDSETIs/ RSETIs towards skill based training programmes. Out of 21 RSETIs, 13 are eligible for NABARD’s assistance. During the year 2018-19, NABARD supported 40 EDPs so far with a total grant assistance of Rs 29 lakh. He requested RSETIs to avail financial assistance in this regard.

On Doubling of Farmers’ Income, GM requested the SLBC and Agriculture Department to arrange for convening the meeting of sub group on “Doubling the Farmers’ Income by 2022” on a regular basis to review the initiatives towards doubling of farmers’ income by 2022.

He appealed to all banks to come forward and work more closely for implementation of various schemes launched by the Govt.


With the permission of the Chair, agenda-wise items were discussed: -

AGENDA ITEM NO 1

CONFIRMATION OF MINUTES OF 145TH MEETING OF STATE LEVEL BANKERS' COMMITTEE (HARYANA) HELD ON 16.08.2018

The minutes of last SLBC meeting held on 16.08.2018 were circulated on 30.08.2018. As no comments were received, house confirmed the same.

AGENDA ITEM NO 2

REVAMP OF LEAD BANK SCHEME - ACTION POINTS FOR SLBC CONVENER BANK/LEAD BANK

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that as advised by Reserve Bank of India vide circular dated 06.04.2018 on revamped Lead Bank Scheme, 3 sub-committees to SLBC Haryana and 1 steering sub-committees were constituted and got approved in 145th SLBC meeting held on 16.08.2018. Meetings of 3 sub committees to SLBC Haryana were convened on 25.10.2018 and 26.10.2018 where-as steering sub-committee to SLBC Haryana was convened on 31.10.2018. He also informed that fruitful discussions were taken place in sub-committee meetings and action points of sub-


committee meetings have been incorporated in agenda papers for further discussion by the house.

AGENDA ITEM NO. 3

SUB COMMITTEE TO SLBC HARYANA ON FINANCIAL INCLUSION & DIGITIZATION SCHEMES

AGENDA ITEM NO. 3.1

PROMOTION OF BHIM APP AND RUPAY CARD BY EVERY BANK BRANCH FOR CASHLESS TRANSACTIONS

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that as per instructions of Govt of India each bank branch is required to get BHIM app activated at business outlets of 100 small businessmen and start operation for digital transactions. Bank-wise progress was also discussed in sub-committee meeting and low performing banks were advised to improve their position and were also advised to submit information to SLBC Secretariat correctly.

Ms Kiran Lekha Walia, Financial Advisor, Govt of Haryana, noted with concern that performance of private banks in promotion of BHIM app was only 1% and advised them to ensure to achieve the target.

Controlling heads of all banks were advised to improve their performance and submit correct information to SLBC Secretariat.

ACTION: ALL BANKS

AGENDA ITEM NO. 3.2

RECENT MODIFICATIONS IN PRADHAN MANTRI JAN DHAN YOJANA (PMJDY)

The house was informed about following recent modifications in PMJDY wherein the Government decided to extend PMJDY beyond 14.08.2018 with the change in focus of opening accounts from ‘every household’ to ‘every adult’ with the following modifications: -


a) Existing overdraft limit to PMJDY account holders of Rs 5,000 has been raised to Rs 10,000.

b) Age limit of 18-60 has been revised to 18-65.c) There will not be any conditions attached for OD upto Rs

2,000.d) Accident insurance cover for RuPay card holders has been

raised from Rs l lakh to Rs 2 lakh to new PMJDY accounts opened after 28.08.2018.

ACTION: BANKS

AGENDA ITEM NO. 3.3 TO 3.18

IMPLEMENTATION OF SOCIAL SECURITY SCHEMES & DIGITIZATION

Discussions were held in details on the following items: -

3.3 Opening of accounts under PMJDY3.4 Issuance of RuPay Cards3.5 Activation of RuPay Cards3.6 Zero balance accounts3.7 Aadhaar seeding and mobile number seeding in operative saving

fund accounts3.8 Claims received and settled under RuPay Cards3.9 Aadhaar seeding in PMJDY accounts3.10 Camps for Aadhaar seeding in a/cs of MGNREGA workers in State

of Haryana3.11 Setting up of Aadhaar Enrolment & Updation facility in bank

premises3.12 Micro ATMs3.13 Deployment and working of BCAs3.14 i) Pradhan Mantri Suraksha Bima Yojana (PMSBY)

ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)iii) Atal Pension Yojana (APY)

3.15 i) Pradhan Mantri Mudra Yojana (PMMY)ii) Pradhan Mantri Mudra Yojana (PMMY coverage of activities allied to agriculture (upto Rs 10.00 lakh)

3.16 Progress under Stand-up India Scheme3.17 Implementation of measures for promotion & proliferation of

digital payments in the StateMinutes of 146th meeting of SLBC Haryana held on 15.11.2018

3.18 Promotion of digital payments in Smart Cities

The house reviewed the performance of banks under all aforesaid parameters and banks were advised to: -

o Ensure to get BHIM app activated at business outlets of 100 small businesses by every bank branch by 31.12.2018.

o Ensure issuance and activation of RuPay Cards to all eligible account holders at the time of opening of new accounts.

o Ensure further reduction in zero balance PMJDY accounts.o Ensure Aadhaar seeding in operative saving bank accounts

including PMJDY accounts. o Ensure disposal of settlement of claim cases under RuPay cards

maximum within a month as there was more than 3 months’ delay in settlement of some of claim cases.

o To accelerate efforts and achieve the allocated target under PMSBY, PMJJBY and APY.

o To make concerted efforts to achieve the targets under PMMY & Stand-up India scheme.

The performance of zero balance accounts was also reviewed. Ms Rachna Dikshit, Regional Director, Reserve Bank of India opined that inoperative PMJDY accounts be closed, after following proper procedure of issuing notices to the customers. Ms Kiran Lekha Walia, Financial Advisor, Govt of Haryana requested the Director, DFS, Min of Finance to clarify over the issue, who in turn replied that the necessary clarification shall be issued by his Department soon.

The representative of Department of Rural Development was advised to ensure submission of consent letters of remaining workers of MGNREGA to all LDMs so that Aadhaar numbers can be got seeded in 100% accounts to facilitate DBT in all the cases.

The performance under Social Security Schemes was also discussed at length. Shri Manish Gupta, Director, Department of Financial Services, Ministry of Finance, expressed concern over non-renewal 69119 PMSBY accounts by Oriental Bank of Commerce and desired to know the reasons for non-renewal of such a large number of beneficiaries. The Deputy General Manager, Oriental Bank of Commerce informed that these accounts could not be renewed due to insufficiency of funds and also assured to re-look the figures.


The pendency of claim cases was also discussed and Shri Manish Gupta, Director, Department of Financial Services, Ministry of Finance desired that no case should remain pending for more than a month.

While going through Mudra figures, Shri Yadav, General Manager, Reserve Bank of India advised SLBC secretariat to incorporate the figures from Mudra portal which also includes financing by NBFCs, MFIs etc.

ACTION: BANKS/LDMs/SLBC/UIDAI/RESPECTIVE AGENCIES/RURAL DEV.DEPTT.,HARYANA

AGENDA ITEM NO. 3.19

EXTENDED GRAM SWARAJ ABHIYAN (1ST JUNE TO 15TH AUGUST 2018) IN 117 ASPIRATIONAL DISTRICTS–OPENING OF BRICK & MORTAR BRANCHES IN ASPIRATIONAL DISTRICT MEWAT

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that in aspirational district Mewat, 13 brick & mortar bank branches are required to be opened as per instructions received from Department of Financial Services, Govt of India and informed that SHGB (7), SBI (4) and OBC (2) are yet to open brick & mortar branches in the district. The Chairman SHGB informed that banking outlets have already been opened in these villages and have requested RBI to permit them to open banking outlets in these villages. The Deputy General Manager, SBI and Deputy General Manager OBC informed that they have already opened fixed location banking outlets in these villages and have requested Department of Financial Services to exempt them from opening brick & mortar branches. Shri Manish Gupta, Director, Department of Financial Services informed that as per extant guidelines only brick & mortar branches are to be opened in aspirational districts. He, however, assured that necessary instructions of Govt shall be conveyed in this regard.

ACTION: SHGB/SBI/OBC/DFS


OPENING OF BRICK & MORTAR BRANCHES IN VILLAGES WITHOUT A BANK BRANCH OF A SCHEDULED COMMERCIAL BANK WITH POPULATION MORE THAN 5000 – PROGRESS AS AT SEPT., 2018.


The house was informed that out of 194 villages allocated, bank branches/banking outlets have been opened in 125 villages and 69 bank branches/banking outlets are yet to be opened. Ms Rachna Dikshit, Regional Director, Reserve Bank of India advised SLBC to re-allocate these villages to small finance banks so that these uncovered villages are covered with banking facilities at the earliest.

ACTION: SLBC/CONCERNED BANKS


OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL-PROGRESS AS AT 30TH SEPT., 2018 & PROGRESS.

The house reviewed the performance of opening of Financial Literacy Centres. The officials from OBC and SBI were advised to open FLCs in Jakhal (Fatehabad), Loharu (Bhiwani) & Bhattu (Fatehabad) so that all blocks in Haryana are covered with FLCs.

Shri Anil Yadav, General Manager, Reserve Bank of India, informed that one Financial Literacy Centre at Gannaur in Sonipat district is being operated by Branch Manager where-as as per Reserve Bank of India guidelines, Financial Literacy Centre should be handled by independent person. The General Manager, Central Bank of India informed that Branch Manager Gannaur is functioning as Financial Literacy Counsellor as per policy of their bank and assured that the matter shall be reviewed at higher level.

ACTION: OBC/SBI/CBI

AGENDA ITEM NO. 3.22 (i) TO 3.22 (iii)

PROGRESS OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs) UPTO SEPT. 2018 & DISPOSAL OF APPLICATIONS REFERRED BY RSETIs OPERATING IN THE STATE OF HARYANA

The house reviewed the performance of RSETIs upto September 2018 and disposal of loan applications sponsored by RSETIs was also


discussed. The controlling heads of Banks were advised to ensure to following action: -

1. Loan applications of RSETI trained persons be disposed of within 15-30 days from the receipt of application at the branch.

2. Loan application of RSETI trained person should be rejected only by the next higher authority at Controlling Office level.

3. To motivate rural masses and send them for training to RSETI functioning in their respective district.

ACTION: ALL BANKS

AGENDA ITEM NO. 4

SUB COMMITTEE TO SLBC HARYANA TO DISCUSS AGRICULTURE SECTOR RELATED ISSUES

AGENDA ITEM NO. 4.1

IMPLEMENTATION OF PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)-KHARIF 2018 & RABI 2018-19

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that Haryana has been the front-runner to have effective implementation of PMFBY. The bank-wise and institution-wise coverage of loanee and non-loanee farmers for Kharif 2018 under PMFBY was discussed in detail. PMFBY coverage by public sector banks was 98%, private sector banks 100%, RRBs 93% and Coop Banks remained at 18%.

Shri K B Singh, Deputy Zonal Manager, PNB informed that amount of claim was lying with bank branches in their sundry account and the same was not credited to farmers’ accounts as insurance companies have not as yet supplied them list of beneficiaries. He requested representative from Department of Agriculture & Farmers’ Welfare to take up with insurance companies to supply these lists to bank branches so that farmers’ accounts are credited immediately.

ACTION: ALL BANKS/AGRI. & FARMERS’ WELFARE DEPTT., HARYANA

AGENDA RESOLUTION OF COMPLAINTS UNDER


ITEM NO. 4.2 PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that a meeting was convened by Department of Agriculture & Farmers’ Welfare, Govt of Haryana, under the chairpersonship of Additional Chief Secretary, Agriculture & Farmers’ Welfare, Govt of Haryana on 08.10.2018 and during the meeting issue of resolution of complaints under PMFBY was discussed in detail. The Chairperson decided that each and every complaint will be resolved by District Level Monitoring Committee (DLMC) headed by Deputy Commissioner of the respective district and decision so taken by DLMC shall be final and binding on insurance companies. He requested representative from Department of Agriculture & Farmers’ Welfare to issue necessary instructions so that meetings are held on regular basis at the earliest and grievances of farmers are addressed.

ACTION: DOA/SLBC

AGENDA ITEM NO. 4.3

DOUBLING OF FARMERS’ INCOME BY 2022- CONVENING MEETING OF STATE COORDINATION COMMITTEE

Shri S D Sharma, Chief Manager, SLBC Haryana requested representative of Department of Agriculture & Farmers’ Welfare to take up matter with State Coordination Committee for convening the meeting of members on Doubling Farmers’ Income and inform action points to SLBC as the matter has already been delayed a lot.

ACTION: DOA

AGENDA ITEM NO. 4.4 (i)

DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME (DEDS)-CONTINUATION OF THE SCHEME FOR 2018-19

AGENDAITEM NO. 4.4 (ii)

PROGRESS UNDER DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME (DEDS) DURING THE PERIOD ENDED SEPT, 2018 (2018-19)

The house reviewed the performance of banks under the scheme and the same was found satisfactory. The house was informed that upto September 2018, against 1398 applications received, 1294 units have been financed. The progress under this scheme was felt satisfactory.


ACTION: ALL BANKS

AGENDA ITEM NO. 4.5

BANKING PLANS FOR AREA BASED SCHEMES FOR INVESTMENT IN AGRICULTURE- PROGRESS DURING THE PERIOD ENDED SEPT, 2018 (2018-19)

The house also reviewed progress under banking plan for identified activities i.e. dairy, underground pipeline, laser land leveler and sprinkler irrigation for the financial year 2018-19 upto September 2018 and % age achievement was only 7%, 15%, 1% and 1% respectively in these segments. The bankers were advised to increase their portfolio under these segments also.The Convener SLBC advised that proper dissemination of these schemes was required and farmers be sensitized through various Agriculture Officers/field functionaries of Banks as well as the respective Deptts. Of the State Govt.

ACTION: NABARD/BANKS/DEPTT. OF AGRI. HRY

AGENDA ITEM NO. 4.6

PROTECTED CULTIVATION IN HARYANA- BANKABLE PLAN FOR 2018-2019

The house was informed that upto September 2018, 19 units amounting to Rs 854 lakhs have been financed under Naturally Ventilated Poly House Model (NVPH) and under Under Walk in Tunnel (WIT) Model no case has been sanctioned during the period.

The reasons were analyzed in sub-committee meeting held on 26.10.2018 in detail for low progress in the State of Haryana where-as Poly Houses were doing well in neighboring state like Himachal Pradesh. It was observed that it was due to reasons the cost is high, vegetables grown in poly houses are costlier, cost of labour on these poly houses is high and land becomes infertile because of nematodes after a period of two years.

The Convener SLBC asked NABARD representative to work out some positive inputs by implementing of which the farmers may make good profit in this venture so that the same may be disseminated to the farmers across the State which will encourage them to undertake these business ventures.

ACTION: NABARD/BANKS


AGENDA ITEM NO. 4.7

FINANCING OF RURAL GODOWNS – PROGRESS AS AT SEPT., 2018

The house was informed that during the period ended September, 2018, 474 units amounting to Rs 75092 lakhs have been financed by various banks in the State of Haryana and the same was considered satisfactory.

ACTION: BANKS

AGENDA ITEM NO. 4.8

SANCTION OF LOANS BY BANKS TO TRAINED CANDIDATES UNDER THE CENTRAL SECTOR SCHEME “ ESTABLISHMENT OF AGRI-CLINIC & AGRI- BUSINESS CENTRES”(ACABC)- PROGRESS DURING THE PERIOD ENDED SEPT., 2018 (2018-19)

Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that during the period ended Sept., 2018, banks have financed 34 Agri-clinics and Agri-business Centres amounting to Rs 221 lakhs. An amount of Rs 957 lakh was outstanding in 260 accounts as at September, 2018.

ACTION: ALL BANKS

AGENDAITEM NO. 4.9 (i)

PROGRESS UNDER DEBT SWAP SCHEME DURING THE PERIOD ENDED SEPT. 2018 (2018-19) & ADOPTION OF VILLAGES UNDER DEBT SWAP SCHEME

The controlling head of banks were 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. LDMs were also requested to coordinate with banks and finalize bank-wise adoption of villages in their districts and inform the progress to SLBC in this regard on monthly basis.

ACTION: BANKS/LDMs


E-SHAKTI PROJECT (PHASE-II)- DIGITIZATION OF SELF HELP GROUPS (SHGs)


Shri S D Sharma, Chief Manager, SLBC informed that in view of Govt of India’s mission for creating a digital India, NABARD has launched a project for digitization of all SHGs in the country. The project is being implemented in 4 districts in Ambala, Karnal, Sonepat and Sirsa where-in all records of SHGs viz saving, internal loaning and transactions with banks etc are being uploaded through E-Shakti Mobile app on real time basis.

ACTION: BANKS

AGENDA ITEM NO. 5

SUB-COMMITTEE TO SLBC HARYANA TO REVIEW GOVT SPONSORED SCHEMES & ISSUES RELATING TO THEIR IMPLEMENTATION

AGENDA ITEM NO. 5.1

PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP)-PROGRESS DURING THE PERIOD ENDED SEPT., 2018 (2018-19)

Shri S D Sharma, Chief Manager, SLBC informed that during the current financial year against target of 4945 lakhs for margin money achievement upto Sept 2018 was only 1714 lakhs i.e. 35%. He also requested KVIC to sponsor sufficient number of applications to banks and complete the process of sponsoring of cases latest by 31.12.2018 so as to avoid sending bulk applications in the fag end of last quarter of the Financial year when Bankers remain busy in other important areas of Banking business.

The Convener advised all bankers to disburse the pending cases sanctioned during last financial year and also to dispose of the pending cases sponsored during this financial year within the stipulated time-frame.

ACTION: BANKS

AGENDA ITEM NO. 5.2

PROGRESS OF CASES SPONSORED BY HARYANA SCHEDULED CASTES FINANCE & DEVELOPMENT CORPORATION (HSCFDC) DURING THE PERIOD ENDED SEPT., 2018 (2018-19)

The Convener SLBC took a serious note over large number of pending cases under the Scheme. He observed that progress has not improved since last steering committee meeting.

While deliberations, representative from Union Bank of India suggested that name-wise and branch-wise list be provided to them for effective


follow-up from their end. Dy Zonal Manager, PNB advised representative from HSFDC to provide this list for effective monitoring by controlling offices.

ACTION: BANKS/HSCFDC

AGENDA ITEM NO. 5.3

DEENDAYAL ANTYODAYA YOJANA-NATIONAL URBAN LIVELIHOOD MISSION (DAY-NULM)-PROGRESS DURING THE PERIOD ENDED SEPT.,2018 (2018-19)

Shri S D Sharma, Chief Manager SLBC informed that bankers were already communicated the instructions vide SLBC e-mail dt.8th & 10th

Oct. 2018 that all the pending cases under NULM should be disposed off without any further delay and assured that these instructions will again be communicated to all banks for strict compliance. He, however, emphasized that in case any member of SHG is not having bank account and is not enrolled for PMSBY and PMJJBY, he/she should be guided to avail of these facilities in order to take the benefit of these schemes.

The Convener shared his concern with bankers over large number of pending cases under the scheme and strictly advised them to dispose of pending cases within 15 days.

ACTION: ALL BANKS

ITEM NO. 5.4 (i) & (ii) & 5.5

NATIONAL RURAL LIVELIHOOD MISSION (NRLM) & CREDIT LINKAGE OF SELF HELP GROUPS – PROGRESS DURING THE PERIOD ENDED SEPT., 2018

Shri S D Sharma, Chief Manager, SLBC Haryana informed that annual target for credit linkage of NRLM SHGs for Financial Year 2018-19 has been fixed as 11875 whereas 3724 SHGs were credit linked against the annual targets of 4850 during the FY ended March 2018. It has been observed that overall target for the state of Haryana has been fixed on a very higher side and it is not realistic. Out of total target of credit linkage of 11875 SHGs during FY 2018-19, credit linkage of 7418 (62%) SHGs has been allocated to PNB 3026 & SHGB 4392. SBI has also been allocated a target of 1726 SHGs. It was requested that targets should be realistic and distributed amongst various banks in proportion of their rural branches in the state. He further informed that a sub-


committee meeting to discuss various issues of NRLM was convened on 25.10.2018 and all related issues were discussed at length and guidelines and suggestions emerged in the meeting have been conveyed to the member banks for compliance.

ACTION: BANKS/LDMs/RBI/STATE GOVT/SLBC/NABARD

AGENDA ITEM NO. 5.6

PRADHAN MANTRI AWAS YOJANA (PMAY)-PROGRESS DURING THE PERIOD ENDED SEPT.,2018 (2018-19)

Shri S D Sharma, Chief Manager, SLBC informed the house that during the period ended September, 2018, 815 cases amounting to Rs 8652 lakhs have been sanctioned, out of which 593 cases amounting to Rs 7748 lakh have been disbursed.

He also informed that the progress under PMAY has not been upto the desired level. The issue was also discussed in the meetings held under the Chairmanship of ACS, Finance & Planning, Govt of Haryana on 05.11.2018. The ACS, Finance, accorded permission to form Task Force Committee at the district level as recommended in the Working Group meeting held on 04.10.2018. The ACS F&P also advised SLBC to fix target of minimum 2 cases per bank branch for sanction of PMAY loan, to be achieved in FY 2018-19.

ACTION: ALL BANKS

AGENDA ITEM NO. 5.7

PROGRESS OF CASES SPONSORED BY NATIONAL HORTICULTURE BOARD (NHB) DURING THE PERIOD ENDED SEPT., 2018 (2018-19)

The house was informed that 1 LOI has been issued by NHB during the period ended Sept., 2018 (2018-19) under Scheme No. 1 Development of Commercial Horticulture through Production & Post Harvest Management and no LOI has been issued under scheme 2 of NHB. Capital Investment Subsidy for Construction/Modernization/Expansion of Cold Storage of Horticulture Crops. Subsidy amounting to Rs 215.46 lakh has been disbursed in 6 cases i.e. 5 cases amounting to Rs 210.46 lakh under scheme 1 and under scheme 2, 1 case amounting to Rs 5.00 lakh has been disbursed as subsidy.

ACTION: ALL BANKS

AGENDA FINANCIAL ASSISTANCE TO COBBLERS UNDER DRI


ITEM NO. 5.8

SCHEME-PROGRESS DURING THE PERIOD ENDED SEPT., 2018 (2018-19)

In order to further increase DRI loans to cobblers, all controlling heads of banks were requested to advise their field functionaries to continue sanction of loans to interested and eligible borrowers/cobblers under DRI scheme.

ACTION: ALL BANKS

AGENDA ITEM NO. 5.9

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

This issue was taken up by Shri TVSN Prasad, IAS, Additional Chief Secretary, Finance & Planning, Govt. of Haryana in his inaugural address.

Controlling heads of all banks were advised to submit their claims to the Department of Social Justice & Empowerment.

ACTION: BANKS/DSJE


FINANCING OF DEVELOPMENTAL CHARGES LEVIED BY THE STATE GOVERNMENT ON ACCOUNT OF LEGALIZING UNAUTHORIZED COLONIES OF FARIDABAD AND GURUGRAM DISTRICTS

Shri S D Sharma, Chief Manager, SLBC Haryana informed that as discussed in subcommittee to SLBC Haryana held on 25.10.2018, controlling heads/representatives of SLBC member banks were again requested to initiate necessary steps for getting the scheme approved from their board and inform the progress made in this regard to SLBC Haryana.

Shri S D Sharma, Chief Manager informed that draft mechanism approved by the State Govt was sent to controlling heads of banks for getting the same approved from their respective Boards at Corporate


Office. The scheme has since been implemented by SHGB and Board of PNB has also approved the scheme.

He requested all bankers to get scheme approved from their respective Boards and inform SLBC Secretariat accordingly.

ACTION: ALL BANKS


DISPOSAL OF RECOVERY CERTIFICATE CASES FILED BY BANKS UNDER HACOMP


DISPOSAL OF CASES FILED BY BANKS UNDER SECTION 14 OF SARFAESI ACT, 2002

Shri S D Sharma, Chief Manager SLBC requested bankers to submit desired information regarding pendency of Recovery Certificates filed by them and SARFAESI Act to SLBC Haryana Secretariat for effective follow-up with State Govt.

ACTION: ALL BANKS/FINANCE DEPT


NOTIFICATION UNDER INDIAN STAMP (HARYANA AMENDMENT) BILL 2018

Shri S D Sharma, Chief Manager SLBC informed the house that recently Haryana vide Notification dated 04.10.2018 with regard to Indian Stamp Act (Haryana Amendment) Act, 2018 wherein revised stamp duty on execution of various documents has been notified in terms of which stamp duty for Term Loan Agreement which include Education Loan, DRI loan and other Small loans being given to poor strata of the society, stands increased from Rs 10 to Rs 2000 which is adversely affecting rural masses. He requested State Govt authorities to review the decision.

Ms. Kiran Lekha Walia, Financial Advisor, Govt of Haryana suggested that a separate meeting be convened with Revenue Department to review the decision which is affecting the loans to weaker section, farmers and priority sector.

ACTION: ALL BANKS

ITEM NO. 6 SWACHH VIDYALAYA CAMPAIGN

The banks were advised to accelerate their efforts and actively participate in Swachh Vidyalaya Campaign.


ACTION: BANKS/LDMs

ITEM NO. 7 REVIEW OF PERFORMANCE UNDER KEY PARAMETERS AS AT SEPT 2018 (COMMERCIAL BANKS AND RRBs)

The house reviewed the performance under various key parameters viz Deposits, Advances, PS advances, Agriculture, MSME, Other PS, Advances to Weaker Sector, Advances under DRI Scheme and growth over last year was found satisfactory.

ACTION: BANKS/LDMs

ITEM NO. 8 & 9

NATIONAL GOALS & CREDIT+INVESTMENT IN STATE GOVT BONDS TO DEPOSIT RATIO

The performance of banks in achievement of national goals was appreciated in the house. However, it was felt that CD ratio though at 69% against the national goal of 60%, could have been better should be increased further.The Lead District Managers of the districts with CD ratio below the stipulated level of 60% were also advised to analyze the reasons for low %age of CD ratio and also to take measures for improvement of CD ratio of their district.

ACTION: BANKS/LDMsITEM NO.

10PERFORMANCE UNDER ANNUAL CREDIT PLAN (ACP) DURING THE PERIOD ENDED SEPTEMBER, 2018 (2018-19)

The house reviewed the achievement of banks under Annual Credit Plan (2018-19) during the period ended September 2018 as achievement under total Agriculture sector was 81%, under MSME Sector 125% and under OPS at 70% and over-all achievement remained at 89% and the same was considered as satisfactory by the house. The Convener SLBC called upon the bankers to boost progress in credit dispensation in order to ensure that ACP targets for financial year 2018-19 are surpassed.

ACTION: BANKS/LDMs

ITEM NO. EDUCATION LOAN SCHEME AND EDUCATION Minutes of 146th meeting of SLBC Haryana held on 15.11.2018

11.1 TO 11.4

LOAN TO FEMALE STUDENTS AND POSITION OF NPA IN EDUCATION LOAN.

Controlling heads of member banks were requested to advise their field functionaries to make all out efforts to achieve the allocated targets under education loans.

ACTION: BANKS

ITEM NO. 12

JOINT LIABILITY GROUPS (JLGs) TARGET 2018-19 – PROGRESS UPTO SEPT 2018 (2018-19)

Controlling heads of banks were requested to advise their field functionaries to pay focused attention towards achievement of targets under JLG as this is important measure to increase micro financing to the needy people.

ACTION: BANKS/LDMs

ITEM NO. 13.1 & 13.2

RECOVERY UNDER PRIORITY SECTOR ADVANCES & UNDER GOVT SPONSORED SCHEMES

The house was informed that during the period ended September, 2018 recovery under Priority Sector Advances remained at 64% where-as under Govt sponsored programmes remained at PMEGP 45%, NULM 64%, NRLM – 34%, SGSY 54%.

ACTION: BANKS/LDMs

ITEM NO. 14

HOUSING FINANCE

The comparative position of outstanding advances under Housing Finance was discussed and observed that there was an increase of 13% over the figures of corresponding period of last year.

ACTION: BANKS/LDMs

ITEM NO. 15.1

SPECIAL SUPPORT AND OUTREACH CAMPAIGN FOR MSMEs PLANNED FOR 100 DAYS FROM 02.11.2018 IN CLUSTERS IN 100 SELECT DISTRICTS OF THE COUNTRY


Shri S D Sharma, Chief Manager, SLBC Haryana informed the house that in order to give boost to the nation’s second biggest employing sector i.e. MSME Sector Hon’ble Prime Minister launched a special support and outreach campaign for 100 days from 02.11.2018 in MSME clusters of 100 districts of the country. Specific product lines have been identified in each district where clusters have emerged over time. The campaign is aimed at reaching out to MSMEs in these 100 clusters and beyond thereby helping to nurture ecosystem for such MSMEs. Sh. Alok Srivastava, Convener SLBC called upon all the Banks to participate actively in all the camps to be organized by LDMs in four identified Districts i.e. Panipat, Sonepat, Faridabad and Gurugram (Manesar).

ACTION: BANKS/LDMs

ITEM NO. 15.2

FLOW OF CREDIT TO MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs)

During deliberations the house was informed that in the State of Haryana, banks as at September 2018 have provided credit to 578797 Micro Enterprises as against 581417 units as at September 2017. The bankers were requested to increase their advance portfolio under MSME Sector substantially.

ACTION: BANKS/LDMs

ITEM NO. 15.3

NPA UNDER MSME ADVANCES

The house was informed that position of NPA under MSME Advances as at 30.09.2018 remained at 10%. The bankers were requested to accelerate their efforts for recovery of bank dues in order to bring further reduce the NPA level in MSME sector.

ACTION: BANKS/LDMs

ITEM NO. 15.4

MSME CLUSTERS IN THE STATE OF HARYANA

The Lead District Managers of District Gurugram and Yamunanagar were advised to revise their target and under MSME and also inform progress to SLBC.

ACTION: BANKS/LDMs

ITEM NO. CREDIT LINKAGE OF UNIDENTIFIED/UN-Minutes of 146th meeting of SLBC Haryana held on 15.11.2018

15.5 RECOGNISED MSME CLUSTERS

RBI had advised SLBC to initiate steps for credit linkage of unidentified/unrecognized MSMEs clusters in Districts Gurugram, Hisar, Panchkula and Panipat in order to facilitate availability of banking outlets and credit flow in such clusters. Accordingly, LDMs were advised to initiate necessary steps for credit linkage of the units operating in their districts.

ACTION: BANKS/LDMs GURUGRAM, HISAR, PANCHKULA & PANIPAT

ITEM NO. 15.6 SPECIALIZED MSE/MSME BRANCHES

The house was informed that in Haryana 113 specialized SSI/MSME branches have sanctioned Rs 857 crore in 2172 cases during the period ended September 2018 and disbursement has been made in 2169 cases amounting to Rs 772 crores. Though the progress in this regard was considered satisfactory, but controlling heads of banks were requested to increase their advances portfolio under MSME.

ACTION: BANKS/LDMs

ITEM NO. 15.7

COLLATERAL FREE LOANS UPTO RS 10 LAKH TO MSE SECTOR

The house reviewed the progress made by banks under collateral-free loans upto Rs 10.00 lakhs to MSE Sector and it was informed that 96% units have been financed collateral-free MSE loans upto Rs 10.00 lakhs.

ACTION: BANKS/LDMsITEM NO. 15.8

BANKWISE PROGRESS OF CLAIMS LODGED & APPROVED UDNER CGTMSE DURING THE PERIOD ENDED SEPTEMBER 2018

The house was informed that during the period ended September 2018, 304 claims amounting to Rs 3437 lakhs were lodged by banks with CGTMSE, out of which 249 claims amounting to Rs 2758 lakhs have been approved.

ACTION: BANKS/LDMs

ITEM NO. 16.1

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


The house reviewed the progress of various banks in the State of Haryana regarding credit flow to minority communities and it was observed that YoY growth during the review period remained at 4%.

ACTION: BANKS

ITEM NO. 16.2

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

Lead District Managers of above minority community concentrated districts were requested to review the progress in DCC/DLRC meetings and make concerted efforts to increase the financing to minority communities in their respective districts.

ACTION: BANKS/LDMs

ITEM NO. 17 FINANCIAL ASSISTANCE TO WOMEN BENEFICIARIES

The house was informed that advances to women beneficiaries witnessed an increase of Rs 4013 crore from Rs 19334 crore as at September 2017 to Rs 23347 crore as at September 2018 and YoY growth remained at 11%, which was considered satisfactory by the house.

ACTION: BANKS/LDMs

ITEM NO. 18 PROVIDING KISAN CREDIT CARDS (KCCs) TO ALL THE ELIGIBLE & WILLING FARMERS

The house was informed that the number of KCC issued as on 30.09.2018 is more than the number of farmers in the State and 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.

ACTION: ALL BANKS

ITEM NO. 19 PROVIDING OF RUPAY DEBIT-CUM-ATM CARD TO KISAN CREDIT HOLDERS


The bankers were advised to ensure issuance of RuPay ATM-cum-debit cards to all eligible KCC holders and their activation as well, at the earliest.

ACTION: ALL BANKS

ITEM NO. 20 PROGRESS UNDER UPLOADING OF EQUITABLE MORTGAGES ON THE PORTAL OF CERSAI

The house was informed that banks are uploading the position of equitable mortgage on the side of Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI).

ACTION: BANKS/SLBC

ITEM NO. 21

RECOMMENDATIONS OF THE REPORTS OF THE COMMITTEE FOR STRENGTHENING THE NEGOTIABLE WAREHOUSE RECEIPTS (NWRs) BY WDRA IN THE COUNTRY

The house was informed under pledge finance against Negotiable Warehouse Receipts (NWRs) in the State of Haryana as at September 2018 banks had financed 412 units amounting to Rs 33240 lakhs. The LDMs were requested to monitor the progress in DCC/DLRC meetings of their respective districts.

ACTION: BANKS/LDMs/SLBC

SUPPLE-MENTARY

ITEM

FINANCIAL ASSISTANCE BY THE BANKS UNDER SKILL LOAN SCHEME APPROVED BY INDIAN BANKS’ ASSOCIATION (IBA)

This issue was taken up by Shri T C Gupta, IAS, Additional Chief Secretary, Employment & Skill Development, Govt of Haryana in his inaugural address.

Controlling heads of all banks were advised to provide financial assistance under this Pradhan Mantri Rin Kaushal Yojana and also send one copy of the circular issued by their bank to SLBC Secretariat.

ACTION: BANKS


V O T E O F T H A N K S

While extending vote of thanks, Shri Vijay Murar, Field General Manager, Central Bank of India expressed thanks to bankers and Govt officials for their active deliberations during the 146th SLBC meeting. He also thanked media persons for covering the deliberations of the meeting.

LIST OF PARTICIPANTS OF 146th MEETING OF SLBC HARYANA HELD ON 15.11.2018

S.NO S/SHRI/SMT. DESIGNATION INSTITUTIONCHIEF GUEST

1. TVSN Prasad, IAS ACS, F&P Govt. of HaryanaCHAIRMAN SLBC

2. L V Prabhakar Executive Director PNB HO New DelhiSENIOR OFFICERS OF CENTRE/STATE GOVT.

3. Sunil Gulati, IAS ACS Animal Husbandry4. T C Gupta, IAS ACS Empl & Skill Dev 5. Bhawna Garg, IAS Director UIDAI6. Ashok Sangwan, IAS Director Industries &

CommerceMinutes of 146th meeting of SLBC Haryana held on 15.11.2018

7. Meenaxee Raj, HCS Joint Director Urban Local Bodies8. Manish Gupta Director DFS,MoF,GoI

RBI/NABARD/NATIONAL HOUSING BANK/SIDBI9. Rachna Dikshit Regional Director RBI

10. Anil Kumar Yadav GM RBI, Chandigarh11. Santosh Kumar AGM RBI12. D K Kapila GM NABARD13. Shankar Dass AGM NABARD, RO,

Haryana14. Rahul Priyadarshi GM SIDBI15. P S Sardar DGM SIDBI

CONVENER BANK16. Alok Srivastava Zonal Manager, PNB

& Convener, SLBC, Haryana

PNB

17. B S Raina General Manager, PS & FI Div. Head Office New Delhi

PNB, HO

18. K B Singh Dy Zonal Manager PNB19. S.K.Bajaj DGM Circle Office, PNB,

Chandigarh20. S.D. Sharma Chief Manager PNB SLBC Haryana21. Dinesh Arora Senior Manager PNB SLBC Haryana22. Ramesh Papneja Manager PNB SLBC Haryana23. V.K. Kamra Manager PNB SLBC Haryana24. Pawan Gera Dy. Manager PNB SLBC Haryana25. Aashish Kumar Dy Manager (Agri) PNB SLBC Haryana

S.NO S/SHRI/SMT. DESIGNATION INSTITUTIONPUBLIC/PRIVATE SECTOR BANKS

26. N Singh AGM Allahabad Bank 27. Mandeep Manager Allahabad Bank

28. M S Rama Rao AGM Andhra Bank29. P S Avinash Asst Manager Andhra Bank

30. Rahul Bansal Senior Manager Bank of Baroda

31. Gian Singh Credit Head Bank of India32. S K Rikhi Senior Manager Bank of

Maharashtra


33. Amarjeet Singh DGM Canara Bank34. Vijay Murar FGM Central Bank of India35. Amritesh Parmarth Senior Manager Central Bank of India36. H S Nagodra DGM Corporation Bank37. Savita Kashyap Chief Manager Dena Bank38. Shweta Sharma Manager Dena Bank39. Najeebulla Khan DGM Indian Bank40. Chand Ramani Jally AGM Indian Overseas

Bank41. Ajit Gupta AGM IDBI 42. Subhash Gupta DGM Oriental Bank of

Commerce43. Lalit Mohan DGM State Bank of India 44. Yashpal Gupta Chief Manager State Bank of India45. B L Soni Chief Manager Punjab & Sind Bank46. S K Narang AGM Syndicate Bank47. Bhagwat Parshad Manager Syndicate Bank48. T K Kaushik DZM UCO Bank49. Rama Nand Ram AGM Union Bank of India50. Kamaljeet Singh Manager Union Bank of India51. Nitya Nand Jha Chief Manager United Bank of India52. Neeraj Khanna DGM Vijaya Bank53. Gagan Rawat Agri Officer Vijaya Bank54. Shalini Varghesee AVP Axis Bank55. Ashok Puri DVP HDFC Bank56. Vivek Doda CH HDFC Bank57. Saurabh Jairath RH ICICI Bank58. Ranbir Yadav Zonal Manager ICICI Bank59. Rajiv Bharadwaj Exec Manager J&K Bank60. Vikas D/M Kotak Mahindra Bank61. Harjot Gill AVP Kotak Mahindra Bank62. Aman Verma VP Yes Bank Ltd.

S.NO S/SHRI/SMT. DESIGNATION INSTITUTION63. Manpreet Singh Senior Manager RBL Bank

HARCO/HSARDB/RRB64. A K Nanda Chairman Sarva Haryana

Gramin Bank65. Manoj Bansal Managing Director HARCO Bank66. Yeshwir Singh Manager HARCO Bank67. Anil Sharma Dy Sec. HSARDB

CENTRAL/STATE GOVERNMENT DEPARTMENTS & OTHER INSTITUTIONS


68. Kiran Lekha Walia Financial Advisor IFCC69. Ashutosh Dy Director UIDAI70. Naveen Bansal SRP UIDAI

71. Sharat Bhattacharya Regional Head National Housing Bank

72. Harjot Kaur GM HUDCO73. Neisievilie Lhousa AGM (P) HUDCO74. Rakesh Vaid Asstt Director MSMEDI Karnal75. J D Kapoor A D I Inds & Commerce

Dept76. Raj Kumar

ManchandaSupdt Inds & Commerce

Dept77. Krishan Kumar Asstt Inds & Commerce

Dept78. Mahavir Singh P O Rural Dev Deptt79. Sandeep Wahi System Analyst Rural Dev Deptt80. Yashpal Singh Director KVIC81. Surat Singh Asstt KVIC

82. Surinder Dahiya Addl Director Agri Dept of Agri & FW83. Rangi Ram ASO Dept of Agri & FW84. R P Bharadwaj Dev Officer KVIB85. Sanjeev Kumar

VermaGSR Revenue & Disaster

Management86. Susheel Kumar Chief Stamp Auditor -do-87. Neeru Malik Dy Director SJE88. Nand Kishore AO -do-89. Dr Anil Banwala C P O Animal Husbandry90. Abhishek Singh Consultant Electronics & IT

Deptt91. Abhineet Sarkar Consultant -do-

S.NO S/SHRI/SMT. DESIGNATION INSTITUTION92. Jagdish Chander Deputy Director DBT93. K L Nagpal Sr Accounts Officer Housing Board

Haryana94. Dev Kant Sharma Accounts Officer -do-95. Anurag Aggarwal S (FI) SUDA96. Dinesh Sharma AMD SUDA97. Ramesh Krishan CEO HSRLM98. R K Dharia DFM FI HSRLM99. Ramzan Mohammad SDM FI Aajeevika Skills100. Seema Singh Statistical Asstt. HSCFDC


LEAD DISTRICT MANAGERS

101. Naresh Singla LDM Ambala102. Asha Desai LDM Bhiwani103. Vijay Kumar LDM Charkhi Dadri104. Dr A Mishra LDM Faridabad (Synd

Bank)105. A K Meena LDM Fatehabad106. R C Nayak LDM Gurugram (Synd

Bank)107. B K Dhingra LDM Hisar108. Prem Singh LDM Jhajjar109. M K Jha LDM Jind110. R K Kataria LDM Kaithal111. Rajinder Malhaotra LDM Karnal112. H S Gumrah LDM Kurukshetra113. Satya Prakash Singh LDM Mewat(Syndicate

Bank)114. S.D. Pathak LDM Narnaul115. B B Bansal LDM Palwal (OBC)116. P N Khanna LDM Panchkula117. Rakesh Verma LDM Panipat118. Deepak Gupta LDM Rewari119. Mukesh Jain LDM Rohtak120. Arun Soni LDM Sirsa121. S K Chaudhry LDM Sonepat122. Sunil Chawla LDM Yamuna Nagar


ABSENTEESS.NO. NAME OF BANK/ DEPARTMENT1. IndusInd Bank2. National Horticulture Board3. Haryana Backward Class Kalyan Nigam4. National Commission for SC5. Welfare of SC & Backward Classes

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